2023 Open Enrollment

Medical Benefits

Here’s an overview of the 2023 plan changes for each University medical plan.

Classic Plan

You will save $1,250 (individual coverage) or $2,500 (family coverage) on your non-SmartCare medical out-of-pocket maximum if you complete wellness program requirements.

Prescription drug out-of-pocket limits will increase $100 for individual coverage and $200 for family coverage (to $1,800 individual/$3,600 family coverage).

Premier Plan

You will save $500 (individual coverage) or $1,000 (family coverage) on your non-SmartCare medical out-of-pocket maximum if you complete wellness program requirements.

Prescription drug out-of-pocket limits will increase to $100 for individual coverage and $200 for family coverage ($1,800 individual/$3,600 family coverage).

Health Savings Plan 

The IRS-mandated deductible will increase to $3,000 individual/$6,000 family coverage.

Health Savings Account

In 2023, the University’s contribution toward your Health Savings Account (HSA) will increase! If you enroll in the Health Savings Plan, the University will contribute $650 individual/$1,200 family coverage.

2023 contribution limits (set by the IRS):

  • Individual: $3,850
  • Family: $7,750

Remember that an additional $1,000 catch-up contribution is allowed if you will be age 55 or older by December 31, 2023.

Flexible Spending Account

2023 contribution limits (set by the IRS):

  • Healthcare FSA: $2,850*
  • Dependent Care FSA: $5,000*

* As of October 1, 2022, the IRS has not issued updated limits for 2023. Given campus-level coding and publication deadlines, the University will use 2022 maximums for 2023.

Infertility Coverage

The lifetime maximum for infertility treatment and services is increasing to $30,000 ($20,000 for medical expenses and $10,000 for pharmacy expenses).

Navigating infertility treatment can be overwhelming, but if you are enrolled in University medical coverage, you can contact the UMR Maternity Management Program for assistance. Speak with a dedicated nurse, who can guide you through pre-approvals and inform you of your options. Call 844.604.6244 to get started.

Insulin Pumps

When you purchase an insulin pump, it will be covered under the medical plan—not under prescription drug coverage.

Continuous glucose monitors will only be covered under the pharmacy benefit. The preferred brands for continuous glucose monitors are FreeStyle Libre and Dexcom G6.

Diabetes supplies will continue to be covered under both the medical and pharmacy benefit.

Dental Eligibility

Dentists often recommend that dental exams begin at a young age. To provide you flexibility in when you start to cover your children under your dental benefit, you can add a child to your dental coverage when you are first hired by the University, when you have a qualifying life event, including birth, and each year during Open Enrollment.

Hospital Indemnity Insurance

Even when you have health insurance, paying for a hospital stay can mean a lot of money coming out of your pocket to pay for your care. The Hospital Indemnity Protection Plan helps take care of that burden. If you receive covered hospital care, such as hospital admission and confinement or staying in the ICU, you’ll receive a cash benefit to use any way you choose. Plus, there’s a yearly wellness benefit of up to $50 per year. All you need to do is complete one preventive screening or test.

Accident Insurance

Accidental injuries might put a stop to your plans, but the Accident Protection Plan can help with the expenses from an unexpected event. If you have a covered injury that requires medical attention, like a burn, concussion or fracture, you’ll receive a cash benefit to use any way you choose. Plus, there’s a yearly wellness benefit of up to $50 per year. All you need to do is complete one preventive screening or test.

LegalShield Enhancement

We’re expanding LegalShield coverage to include a buy-up option for home businesses—a great option if you own a home business, are a consultant, or need business legal advice. Important: You must enroll in Basic Coverage to elect the Home Business Supplement.

Important! Due to plan changes, you must re-enroll in LegalShield coverage through Workday if you want to pay through payroll deductions.

If you want to pay through direct pay (paying LegalShield directly), enroll through LegalShield. If you currently pay LegalShield directly (direct bill) and you want to pay through payroll deductions, you must enroll through Workday AND call LegalShield at 800.654.7757 to cancel your direct-pay coverage, or email sapphireelite@legalshieldcorp.com for instructions.

Remember, changes made during Open Enrollment are not effective until January 1, 2023.

COBRA Administration Change

Starting October 1, 2022, UMR will take over administration of Consolidated Omnibus Budget Reconciliation Act (COBRA) continuation coverage. If you have a qualifying life event that causes you or a dependent to lose coverage, you can continue your enrollment in medical, dental, and vision coverage for a specified period of time under COBRA. Current COBRA participants will automatically be moved to UMR administration; additional information will be provided.