Open Enrollment for 2015 benefits: October 27 - November 7, 2014

Open Enrollment 2014

Open Enrollment is the annual opportunity for benefits-eligible faculty, staff, retirees and students to review their current benefits and make changes for the next calendar year.

Open Enrollment for 2015 benefits is October 27 - November 7, 2014.

No action is required to keep your current benefits through 2015, except Flexible Spending Accounts. IRS rules do not allow FSA enrollments to carry over from year to year, and you must enroll to participate in 2015.

During Open Enrollment, October 27 - November 7, make your benefits choices online through Self Services > Benefits > Benefits Enrollment on Wolverine Access. You can make changes as often as needed until the 5:00 p.m. deadline on Friday, November 7.

Your Open Enrollment elections will remain in effect to the end of 2015 and you cannot make any changes until the next Open Enrollment period — usually in October — unless you experience a qualified family status change.

What's New for 2015

Expanded U-M Premier Care health care options

The University of Michigan and CHE Trinity Health have finalized an agreement to expand health care access. On Jan. 1, 2015, practitioners from about 40 community practices in Washtenaw and Livingston counties will become U-M Premier Care Network Provider 1 providers. Over time, the university expects to add more tier one providers in Michigan to U-M Premier Care.

  • If you are currently enrolled in U-M Premier Care, you don't need to change anything to take advantage of the expanded network.

  • If you are enrolled in a different U-M health plan and want to switch to U-M Premier Care, do so during Open Enrollment, Oct. 27 - Nov. 7, for coverage that will begin on Jan. 1.

For more information, see the University Record article and Facts and Questions & Answers.

Legal Services Plan available to retirees

U-M retirees will have the option to enroll in the university’s Legal Services Plan during this year’s Open Enrollment. This benefit is currently available to benefits-eligible faculty and staff and is being made available for the first time to retirees beginning in 2015.

The Legal Services Plan is administered by Hyatt Legal Services and the monthly premium is fully paid by the employee or retiree. Those enrolled in U-M's Optional Life Insurance or Retiree Life Insurance plans already have access to simple will preparation services with Hyatt attorneys. The additional legal plan may be of interest to those needing professional legal assistance with wills, trusts, estate planning, real estate transactions, and other family law matters. For more information, see Legal Services Plan or view the 2015 Legal Services Plan book.

Click here to view the 2015 Legal Services Plan monthly rates.

Most U-M health plans to cover in vitro fertilization

The university will expand its current coverage of infertility diagnosis, drug therapy and counseling to include in vitro fertilization. The new coverage takes effect on January 1, 2015 and applies to most U-M health plans.

  • The expansion will provide IVF coverage for women through age 42 who have been diagnosed with infertility. Individuals contribute a co-insurance of 20 percent of the cost, and the remainder is covered by the plan up to a $20,000 lifetime maximum.

  • U-M Health System will be the exclusive provider for those who qualify for the IVF benefit. IVF services at non-UMHS providers will not be covered.

  • All of U-M's self-insured health plans will add IVF coverage for 2015. Health Alliance Plan (HAP) is not a self-insured plan and is excluded. Employees with HAP coverage who are candidates for IVF can select a different health plan during Open Enrollment to receive coverage of IVF in 2015.
For more information on the expanded coverage, see IVF Questions and Answers.

GradCare Co-pay Changes

Beginning January 1, 2015, GradCare medical co-pays and prescription drug plan co-pays will change.

  • Medical: No co-pays will be charged for preventive care. Primary care office visits and urgent care visits will be $25, specialty care office visits will be $30, and emergency room visits will be $100. Co-pays for ER visits will be waived whenever the patient is admitted to the hospital.

  • Prescription Drugs Co-pay Changes: The prescription drug co-pays for GradCare, GEO members, GSRAs, benefits-eligible fellowship holders, and medical school students will increase to $10 for tier 1 generic drugs, $20 for brand name tier 2 drugs, and $45 for brand name tier 3 medications. Union members should refer to their collective bargaining agreement for co-pay information.



Will your child's first dental checkup be in 2015?

Ask your pediatrician or dentist when to schedule the first dental checkup for young children. If the first visit will be in 2015, enroll your child on your U-M dental coverage during Open Enrollment, Oct. 27 - Nov. 7, 2014. Coverage is effective January 1.

Save Money with the U-M Mail Order Pharmacy

The University of Michigan’s mail order prescription drug program offers convenience and cost savings with free delivery of 90-day supplies of eligible prescriptions right to your door. If you or someone in your family is currently taking one or more maintenance medications—such as to control blood pressure or cholesterol—signing up for mail order delivery can save you time and money. For details, see U-M Prescription Drug Plan: Mail Order Service.


Questions about benefits or Open Enrollment?

For answers to questions about benefits or Open Enrollment, call the SSC Contact Center at (734) 615-2000 or (866) 647-7657 (toll free) 8 a.m. - 5 p.m. Monday through Friday.


Benefits Plans You Can Change or Elect at Any Time

The following benefits plans that are not part of the Open Enrollment process and if eligible you may enroll or change your coverage at any time. To review your current benefits, log on to Wolverine Access and select Benefits Summary under Benefits on Self Service. If you are eligible, you may change or enroll in these plans at any time. The effective date of your enrollment or change and the paycheck in which the enrollment or change will take effect depends on the plan and when you complete enrollment. See the Benefits Office website for enrollment instructions.

SRA Elections Closed During the Last Two Days of Open Enrollment

Please note that 457(b) Deferred Compensation and 403(b) Supplemental Retirement Account (SRA) elections will be closed on November 6, 2014 and until 6 p.m. on November 7, 2014 to avoid conflict with Open Enrollment elections.

Beneficiary Updates

While you are thinking about your benefits coverage, this may be a good time to review your beneficiary designations to make sure they are up to date. See Beneficiary for more information.






The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.