During open enrollment, eligible subscribers may change their coverage for the following year. Below is PEBA’s enrollment playlist so you can see what changes can be made during this year’s open enrollment. Any changes that you make during open enrollment take effect January 1, 2020.
If your current coverage playlist is the perfect mix, you don’t need to do anything. Your coverage will continue in 2020. 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, just 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.
What’s new for 2020?
Changes listed below are effective January 1, 2020.
Premiums for 2020 are available to the right.
There is no increase in State Health Plan employee premiums.
Premiums for Dental Plus will decrease.
Premiums for the State Vision Plan will decrease.
Here’s your 2020 open enrollment playlist.
Song 1: Choose your health plan.
Change from one health plan to another:
Savings Plan; or
TRICARE Supplement Plan.
Enroll yourself or any eligible dependents in health coverage.
Drop health coverage for yourself or any dependents.
If you are eligible for Medicare, you may enroll in or change from the Medicare Supplemental Plan.
Consider how much you will spend on medical care to determine how much you should contribute to your MoneyPlus account.
Song 2: Choose your dental plan.
Change from one dental plan to another:
Dental Plus; or
Enroll yourself or any eligible dependents in dental coverage.
Drop dental coverage for yourself or any dependents.
Changes to existing dental coverage can be made during open enrollment only in odd-numbered years, so if you don’t make changes this year, your next opportunity to make a change will be in October 2021.
Consider how much you will spend on dental care to determine how much you should contribute to your MoneyPlus account.
Song 3: Choose your vision coverage.
Enroll in or drop State Vision Plan coverage for yourself or any eligible dependents.
Consider how much you will spend on vision care to determine how much you should contribute to your MoneyPlus account.
Song 4: Choose your additional life insurance coverage.
Enroll in or increase Optional Life coverage with 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.
If you want to enroll in or increase Optional Life coverage, your benefits administrator will give you a Supplemental Form to complete that includes five health questions. If you answer yes to any of the questions, you must complete a full Statement of Health form to enroll in or increase Optional Life coverage. Answering no to all five health questions does not automatically approve you for coverage.
If you want to enroll in or increase Dependent Life-Spouse coverage, your benefits administrator will give you a full Statement of Health form to complete.
Song 5: Choose your additional long term disability coverage.
Apply for Supplemental Long Term Disability (SLTD) coverage with medical evidence. As a reminder, you can apply for SLTD throughout the year, not just open enrollment.
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.
Song 6: Choose your MoneyPlus elections.
Enroll in or drop the Pretax Group Insurance Premium feature. Enrolling in the Pretax Group Insurance Premium feature allows you to save in taxes by reducing your taxable income. You can participate in the feature even if you do not enroll in a MoneyPlus spending account.
Enroll in, re-enroll in or drop flexible spending accounts:
Medical Spending Account.
Limited-use Medical Spending Account.
Dependent Care Spending Account.
Enroll in or drop a Health Savings Account.
Remember you can carry over up to $500 of unused Medical Spending Account (MSA) funds into the next plan year. Take this into consideration when you make your 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.
How to make changes
Log in to MyBenefits (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. Learn how to register here.
If you want to enroll in or increase Optional Life or Dependent Life-Spouse coverage, or if you make changes to your Supplemental Long Term Disability coverage that require medical evidence you cannot make your open enrollment changes through MyBenefits. Instead, you must complete a Notice of Election form, sign it and return it to your benefits administrator by October 31, 2019. Your benefits administrator will submit the form to PEBA once he receives approval for coverage from MetLife or The Standard.
Follow up on your open enrollment changes.
In January 2020, log in to MyBenefits and select Review Benefits from the drop-down list to see your 2020 benefits. If you notice any errors, contact your benefits administrator immediately. Retirees, survivors or COBRA subscribers of a state agency, public higher education institution or public school district should contact PEBA. If you are a retiree, survivor or COBRA subscriber of an optional employer, contact the benefits administrator at the optional employer with which you have a coverage relationship.
What happens if you miss open enrollment?
Open enrollment ends October 31, 2019, at 11:59 p.m. Once the deadline passes, you must wait until either the next October or until you have a special eligibility situation. These occur after life events like getting married or having children. Insurance changes must be made within 31 days of an event.
Talk to your benefits administrator or call PEBA’s Customer Contact Center at 803.737.6800 or 888.260.9430.