"2022 open enrollment logo: Explore your benefits"

During open enrollment, eligible subscribers may change their coverage for the upcoming year. PEBA wants to help you explore your benefits so you are ready to select your insurance coverage for 2023. Start thinking now about what changes you might want to make to your coverage. This webpage can help you explore your options, so you’ll be ready to complete your mission and elect your benefits for 2023.

Any changes that you make during open enrollment take effect January 1, 2023.

The 2023 Insurance Summary provides a high-level overview of benefits for active employees. The 2023 Insurance Benefits Guide (IBG) describes all PEBA-sponsored insurance benefits.

If you are satisfied with your coverage, you don’t need to do anything. Your coverage will continue in 2023. Keep in mind, though, you must re-enroll in MoneyPlus flexible spending accounts each year.

If you’re unsure what insurance coverage you currently have, log in to MyBenefits to find out. While you’re logged in, take a few minutes to review your life insurance beneficiaries and make any updates.

Follow these steps to learn about open enrollment and make changes:

  1. Review the information on this webpage to learn about what changes you can make.
  2. Download your open enrollment worksheet (available under Open enrollment resources) to plan your coverage for 2023.
  3. Log in to MyBenefits to review your coverage and make changes during open enrollment if necessary.

Highlights for 2023

Open enrollment options for active employees

  • Change from one health plan to another:
    • Standard Plan;
    • Savings Plan; or
    • TRICARE Supplement Plan.
  • Enroll yourself or any eligible dependents in health coverage.
  • Drop health coverage for yourself or any dependents.

Be sure to consider how much you will spend on medical care to determine how much you should contribute to your Medical Spending Account or Health Savings Account.

Changes to existing dental coverage can be made during open enrollment only in odd-numbered years. Your next opportunity to make changes will be in October 2023.

  • Enroll in or drop State Vision Plan coverage for yourself and/or your eligible dependents.

Be sure to consider how much you spend on vision coverage to determine how much you should contribute to your Medical Spending Account or Health Savings Account.

  • Enroll in or increase your Optional Life coverage up to $50,000 without medical evidence. Amounts more than $50,000 will require medical evidence.
  • Enroll in or increase Dependent Life-Spouse coverage with medical evidence.
  • Drop or decrease Optional Life and Dependent Life-Spouse coverage.
  • Enroll in or drop Dependent Life-Child coverage.

To enroll in or increase Optional Life coverage more than $50,000 or Dependent Life-Spouse coverage, you must complete a Notice of Election (NOE), sign it and return it to your benefits administrator by October 31, 2022. You must also complete a Statement of Health online to provide medical evidence. You will receive an email from MetLife that includes a link to the form on MetLife’s MyBenefits platform. If MetLife approves your coverage, your benefits administrator will submit the NOE to PEBA.

You may make all other open enrollment changes in MyBenefits.

  • Apply for Supplemental Long Term Disability (SLTD) coverage with medical evidence.
    As a reminder, you can apply for SLTD throughout the year with medical evidence. You can also change your benefit waiting period, which may require medical evidence.
  • Change your benefit waiting period from 180 days to 90 days for existing coverage with medical evidence.
  • Change your benefit waiting period from 90 days to 180 days for existing coverage without medical evidence.
  • Drop coverage.

Remember you can carry over up to $570 of unused Medical Spending Account (MSA) and Limited-use MSA funds into the next plan year (2024). Be sure to take this into consideration when making your election.

If you are enrolled in the Savings Plan:

  • Enroll in or drop a Health Savings Account (HSA).
  • Change your contribution amount for an existing HSA election.

If you enroll in the Savings Plan and are not enrolled in a Health Savings Account (HSA), consider enrolling in one. If you already have an HSA, you do not need to re-enroll, but consider whether you would like to change your contribution amount for 2023. As a reminder, you can enroll in an HSA or change/stop your HSA contributions anytime throughout the year.

Open enrollment options for retirees, survivors, COBRA subscribers and former spouses

  • Change from one health plan to another:
    • Medicare Supplemental Plan, if eligible for Medicare;
    • Standard Plan1;
    • Savings Plan; or
    • TRICARE Supplement Plan for eligible members of the military community.
  • Enroll yourself or any eligible dependents in health coverage.
  • Drop health coverage for yourself or any dependents.

1The Standard Plan is the Carve-out Plan for Medicare primary members. Learn more in the Insurance Coverage for the Medicare-eligible Member handbook.

Changes to existing dental coverage can be made during open enrollment only in odd-numbered years. Your next opportunity to make a change will be in October 2023.

  • Enroll in or drop State Vision Plan coverage for yourself and/or your eligible dependents.

How to make changes

Log in to MyBenefits at mybenefits.sc.gov to make your coverage selections during open enrollment. You will need to register if you don’t already have a MyBenefits account. View our Setting Up a New MyBenefits Account flyer and "Setting up a New MyBenefits Account" video to learn how to register.

Keep in mind that changes to existing dental coverage can be made during open enrollment only in odd-numbered years. Your next opportunity to make a change will be October 2023 or within 31 days of a special eligibility situation.

If you want to enroll in or increase Optional Life or Dependent Life-Spouse coverage to an amount that requires medical evidence, be sure to complete the online Statement of Health that you receive in an email from MetLife. You also must complete a Notice of Election (NOE), sign it and return it to your benefits administrator by October 31, 2022. If MetLife approves your coverage, your benefits administrator will submit the NOE to PEBA.

Some coverage changes, including enrolling a dependent who is not currently covered under any benefit, require supporting documentation. You can upload documents through MyBenefits. Keep in mind that PEBA must receive the documents by December 1 to approve the changes.

Follow up on your open enrollment changes

At the beginning of December 2022, log in to MyBenefits and select Review Benefits from the drop-down list to see your 2023 benefits. If you notice any errors, contact your benefits administrator immediately.

Retirees, survivors, COBRA subscribers or former spouse subscribers of a state agency, public higher education institution, public school district or charter school that participates in both insurance and retirement should contact PEBA. If you are a retiree, survivor, COBRA subscriber or former spouse subscriber of an optional employer or charter school that participates in insurance only, contact the benefits administrator at the employer with which you have a coverage relationship.

If you miss open enrollment

Open enrollment ends October 31, 2022, at 11:59 p.m. Once the deadline has passed, you must wait until either the next October or until you have a special eligibility situation. Special eligibility situations occur after life events such as getting married or having children. Insurance changes must be made within 31 days of a qualifying event.

Questions

Talk to your benefits administrator or call PEBA’s Customer Service at 803.737.6800 or 888.260.9430.