Annual Enrollment provides an opportunity to review and change your benefits for the following calendar year.
Annual Enrollment for faculty, staff and retirees is October 25 to November 5, 2021.
Annual Enrollment for faculty and staff is October 25 – November 5. As always, we hope you will take some time to get to know your plan options and make an informed decision about the coverage that will work best for you in 2022.
I am pleased to share that 2022 premiums for self-only coverage will stay the same as they were in 2021. For most other coverage levels, 2022 premiums will be similar to those seen in 2021. Overall, participants who select self and spouse coverage, self and child(ren) coverage and family coverage will see an increase in their premium ranging between $4-29/mo.
For many of us, health care needs are even more top-of-mind than they have ever been. As we prepare for a new year and a new plan, I encourage you to take advantage of the preventive care coverage available through all our university plans. Preventive care can help you understand your current health and identify issues before they become more serious. During a pandemic, preventive care like immunizations for COVID-19 and the flu can help you protect yourself as well as those in the communities where you live and work. As always, these immunizations are covered by our health plans.
Mental health is an important part of your overall wellbeing, too, so consider how our university’s offerings can help. Behavioral health services are available to help those covered by your health plan address depression, anxiety, substance use disorders, caregiver concerns and more through tailored treatment plans, a broad network and online visits. The Employee Assistance Program is also available to provide support to faculty, staff and their immediate family members with personal or professional stressors. And, as always, all faculty, staff and students have free access to the top-rated Sanvello app through the university.
Thank you for engaging in the Annual Enrollment process. I hope you will make use of the information here and the details on our insurance plan webpages (see Health Programs as well as Disability and Life Insurance). Staying engaged helps ensure you make the choice that best supports you and your family in the coming year. For additional support, reach out to your HR Generalists who are ready to help, or to the HR Service Center.
Vice President for the Office of Human Resources, University of Missouri
Click on a header to expand the selection and uncover additional information about Annual Enrollment.
1. Get to know the process (overview and info meetings)
Annual Enrollment is October 25 to November 5, 2021.
Annual Enrollment provides you an annual opportunity to review and change your benefits for the following calendar year. Review your current benefit plan elections in myHR, including enrolled dependents and designated beneficiaries, and make changes as necessary during the Annual Enrollment period.
If you do not make changes to your elections, your current enrollments will continue into the new calendar year, with the exception of Flexible Spending Accounts (FSAs). You must re-enroll in Health Care and Dependent Care FSAs each year.
For Annual Enrollment for 2022, if you are currently enrolled in the PPO Plan for 2021 and eligible for PPO Plan with Tiered Feature (also called Tiered PPO Plan), your enrollment will automatically update to the Tiered PPO Plan during Annual Enrollment.
Attend an Annual Enrollment virtual meeting in your location to get information about your benefits options. View the full schedule on the Annual Enrollment informational meetings to find the session that works best for you.
Reach out to your HR Generalist
You can book a one-on-one appointment with your campus HR Generalist to get personalized assistance for all your insurance and enrollment questions.
2. See what is new (plan changes for 2022)
- An expanded PPO Plan with Tiered Feature (also called Tiered PPO Plan) that offers two tiers of providers in UHC’s network which can help provide additional cost savings.
- Available to faculty and staff who live and/or work in an eligible county in and around the Kansas City and Rolla geographic areas.
- Those eligible will automatically see the Tiered PPO Plan option when enrolling in myHR.
- If you are newly eligible and enrolled in the PPO Plan for 2021, your enrollment will automatically update to show Tiered PPO Plan coverage for 2022.
- Durable medical equipment (DME) will shift from a copay structure to coinsurance in both the PPO and CNP plans. Those purchasing DME will need to meet their deductible before the plan begins to pay. Cost will be specific to the plan in which they are enrolled.
- The out-of-pocket maximum for prescription costs in both versions of the Custom Network Plan and the PPO Plan plans will increase to $5,200 for self-only and $10,400 for a family plan.
- Annual HSA contribution limits as approved by the IRS will increase to $3,650 for an individual and $7,300 for a family.
3. Research your medical plan options (compare medical insurance plans)
The university offers multiple medical insurance plans for faculty, staff and their dependents. UnitedHealthcare is the administrator for all medical plan options, and Express Scripts handles the prescription drug portion of each plan. Medical plan options include:
- Healthy Savings Plan (for all benefit-eligible employees, no matter where you live/work)
- Custom Network Plan (for employees living/working in an eligible county near Columbia or St. Louis)
- PPO Plan (for all benefit-eligible employees no matter where you live/work, unless eligible for the Tiered PPO Plan)
- Tiered PPO Plan (for employees living/working in an eligible county near Kansas City or Rolla)
All of the plan options use the same prescription drug formulary and the university has negotiated discounted rates on prescriptions drugs. However, the cost for faculty and staff will vary between plan options. To compare medical plan options, estimate prescription drug costs or learn about network providers, visit the UnitedHealthcare health plan options website.
Also check out the Plan Information and Comparison handout (343KB, PDF), which features a comparison chart and premium rates for the available insurance plans, as well as the Researching insurance options webpage for additional resources.
4. Consider additional plans and options (dental, vision, life and disability insurance)
Visit the webpage for each plan to see detailed information about coverage available. Also check out the Plan Information and Comparison handout (343KB, PDF), which features a comparison chart and premium rates for the available insurance plans.
Other health coverage
- Health Savings Account (HSA)
- Flexible Spending Account (FSA)
- Includes Health Care and Dependent Care options
Life and disability coverage
- Life insurance, including:
- Basic life, Plan A – 100% university-paid
- Basic life, Plan B
- Additional life
- Dependent life (spouse, sponsored adult dependent, and/or child)
- Long-term disability insurance, including:
- Core Plan – 100% university-paid
- Buy-up Plan
- Accidental death and dismemberment insurance, including:
- Coverage available in increments of $25,000
- Starting at $25,000 and increasing up to $150,000
5. Enroll in myHR (select and submit the plans that are right for you)
Once you have decided which insurance plans are best for you, enroll by logging into myHR (myhr.umsystem.edu). Annual Enrollment provides you an opportunity to review and change your benefits for the following calendar year. Review your current benefit plan elections in myHR, including enrolled dependents and designated beneficiaries, and make changes as necessary during the Annual Enrollment period.
- Prepare to enroll your dependents.
- New dependents: In myHR, you will need to specify any spouse, sponsored adult dependent or child you want to cover in each plan. You will need names, dates of birth and Social Security numbers for any new dependents.
- Proof of Relationship: Proof of Relationship (POR) is required in order to enroll new dependents. Once your plan choices are submitted, submit supporting documentation to the HR Service Center or your campus HR Generalist within the required time frame. See the Proof of Relationship form (PDF) for more information.
- Select pre-tax vs. after-tax elections. Where pre-tax is an option, you will need to know whether you want to enroll in a plan on a pre-tax or after-tax basis. Premiums are deducted from your paycheck automatically, and selecting pre-tax or after-tax determines the order in which taxes and premiums are deducted. See the Researching Insurance Options Before You Enroll webpage for additional details.
Submit your choices
Full step-by-step instructions on completing the enrollment process, with screenshots, is available on the myHR Training webpage.
- You can make plan changes only during your enrollment period.
- You are not done with your enrollment until you click both the “Submit Enrollment” button as well as the “Done” button on the pop-up screen.
- Open your internet browser and navigate to myHR (myhr.umsystem.edu) (Firefox or Chrome recommended). Log in with your username and password. Click “Sign In.”
- Click the “My Benefits” tile. Then, to access the self-service application, select “Benefits Enrollment” from the menu on the left side of the screen.
- Follow the instructions on your screen to select and submit your plan choices or waive coverage.
- After you click the “Submit Enrollment” button, a “Benefits Alerts” pop-up will appear stating your enrollments have been submitted. Click “Done.” An email confirmation will be sent to your university email account so you know your submission was received.
- In December, once your Confirmation Statement has been generated, you will receive another email to your university email account with steps on how to view/print your confirmation statement.
A few reminders
- PPO Plan with Tiered Feature (also called Tiered PPO Plan): If you are eligible for the Tiered PPO Plan, you will automatically see the Tiered PPO Plan option when enrolling in myHR.
- If you are newly eligible and enrolled in the PPO Plan for 2021, your enrollment will automatically update to show Tiered PPO Plan coverage for 2022.
- A small group of employees will see both PPO Plan options in myHR. If this applies to you, make sure to select the correct plan option when completing your enrollment.
- FSA continuation: If you would like to contribute to a Health Care or Dependent Care Flexible Spending Account (FSA), you must re-enroll each year.
- 2021 FSA to 2022 HSA: If you are switching from an FSA to a Health Savings Account (HSA), your 2021 FSA must have a zero balance by December 31, 2021. If not, contributions to your HSA will be delayed until April 1, 2022.
6. After you enroll (ID cards and types of care)
Watch the mail for important documents
- New ID cards: Make sure you show your provider your new card(s) at the time of service; benefits are effective even if you have not received your cards yet.
- Medical/Prescription: You will receive a single ID card only if you are newly enrolled or have changed plans.
- Dental: You will receive an ID card in the subscriber’s name only if you are newly enrolled.
- Vision: You will receive an ID card in the subscriber’s name only if you are newly enrolled.
- HSA paperwork: If you are newly enrolled in the Healthy Savings Plan and chose to open a Health Savings Account, Optum Bank will send a welcome packet to your home address. In some cases, you may be required to submit additional information to establish your HSA.
Make the most of your health insurance
Preventive services let you take charge of your health and stop problems before they start. If you enroll in medical insurance, in-network preventive care is covered at 100%. Preventive care includes annual physical exams, immunizations and well-child care unrelated to a medical diagnosis. A list of what is considered preventive under Health Care Reform/ACA is available on healthcare.gov or UHC's preventive care website.
With vision insurance, annual eye exams are offered with a small copay. Generally speaking, if you are enrolling in the dental plan, routine oral exams are covered completely, but it is always a good idea to check with your provider. Contact information for all insurance administrators is available on the Plan Contacts webpage.
Choose the right type of care
Making an informed decision about your health care needs can save you time and money, but when you are ill or injured, assessing your condition and choosing the best place to go for treatment is not easy. You have many care options, but each is unique in the services it provides. Check out UHC's Where to go for Care flyer for additional information.
UnitedHealthcare virtual visits let you see and talk—by phone or video—to a doctor from your mobile device or computer without an appointment, any time. Virtual visits are a great option for when your doctor is not available, if you get sick while traveling or if you are considering visiting a hospital emergency room for a non-emergency health condition. Visit the Virtual Visits webpage for additional information.
7. Make the most of other benefits (tuition assistance, EAP and shared leave programs)
The UM System offers benefits that extend well beyond your insurance options and focus on helping you further your education and support the personal health and well-being for you, your family, your friends and your community.
If you meet educational assistance eligibility requirements, 75% of tuition and supplemental fees can be waived for college- level credit courses up to the allotted course limit. After you have one year of continuous full-time service in a fully benefit- eligible position, your spouse and/or dependent may also be eligible to have 50% tuition waived for UM System college-level credit courses up to the allotted limit. Visit the Tuition Assistance webpage to learn more.
You must submit an enrollment form every semester that you want assistance by the required deadline:
- Fall semester- October 1
- Spring semester- March 1
- Summer semester- July 1
If you are a veteran of the U.S. Armed Forces, consult your campus veteran services office to learn more about special programs and tuition benefits available only to veterans.
Employee Assistance Program
All employees and their immediate family members — regardless of eligibility for other benefits — have access to free, confidential help for personal or professional challenges. Visit the Employee Assistance Program webpage to learn more.
Shared Leave Program
The Shared Leave Program allows employees to donate accrued vacation leave benefits to colleagues in need. Donated hours are pooled and used to provide additional paid leave benefits to eligible employees who have experienced certain catastrophic events personally or within their family and have exhausted other sources of paid leave. If you are interested in donating time or wish to apply, learn more about eligibility and the donation or application process on the Shared Leave Program webpage.
Retirees and their dependents have different medical insurance options than active employees. If you are satisfied with your current enrollments and would like to continue the same coverage in 2022, no action is required on your part. You and your covered dependents will be enrolled in the same plans you have now. Changes for 2022 must be submitted by November 5, 2021.
Click on a header to expand the selection and uncover additional information about Retiree Annual Enrollment.
Retirees: Prepare for Annual Enrollment
To get ready for Annual Enrollment:
- Update your mailing address to ensure you receive timely communications.
- Review the retiree benefits overview.
- Attend an informational session to learn about benefits plans and changes for 2022 (full schedule below).
- Find a provider among a full list of plan contacts.
Retirees: Learn more about the plans available
If you have not received your personalized Annual Enrollment letter by October 18, 2021, contact the HR Service Center.
Learn about UM-sponsored plans
- UM-sponsored UnitedHealthcare® Group Medicare Advantage Base (13796) and Enhanced (13797) Plans
- In 2022, prescription drug coverage for Medicare retirees will move from Express Scripts to an integrated Medicare Advantage plan with Part D prescription drug coverage through UnitedHealthcare.
- View the most current plan benefit and cost information on the UnitedHealthcare coverage for UM System Retirees website.
- Retiree Health PPO Plan and Retiree Healthy Savings Plan
- View the most current plan benefit and cost information on the Retiree benefits overview webpage.
Contact the HR Service Center.
For Medicare-eligible participants, the UnitedHealthcare call center will open September 24, 2021, for questions regarding the 2022 UM-sponsored integrated Medicare Advantage plans with Part D prescription coverage. Call 1-866-899-5903, TTY 711, from 8:00 a.m. – 8:00 p.m. all time zones, Monday – Friday.
Retirees: Attend an informational session
Online and call-in sessions
The UnitedHealthcare presentations are a general overview of all retiree medical plan changes in 2022 for both non-Medicare and Medicare-eligible members. All retirees and their dependents enrolled in a medical plan are invited to listen in, regardless of Medicare status.
Specific questions regarding University of Missouri retiree benefit premiums and non-medical plans are not addressed on this call. These individual questions should be referred to the HR Service Center for assistance.
|Date||Time||Type of Session||Access information|
|Tuesday, October 12, 2021||10 a.m. – 12 p.m. CST||Teleconference (call in only)||View the recorded presentation|
|Tuesday, October 12, 2021||2 p.m. – 4 p.m. CST||Webex (call in or view online)|
|Thursday, October 14, 2021||10 a.m. – 12 p.m. CST||Webex (call in or view online)|
|Thursday, October 14, 2021||2 p.m. – 4 p.m. CST||Teleconference (call in only)|
Retiree Health Benefits Virtual Town Hall
October 7, 2021, 1:00-2:00 p.m.
See detailed event page for speaker and access information.
This event is hosted in cooperation with the four UM System campus retiree associations and focuses on health insurance benefits for retirees during the 2022 calendar year. UM System content experts will be joined by representatives from UnitedHealthcare to answer questions about Medicare-eligible and non-Medicare-eligible insurance; dental, vision and hearing benefits; wellness resources; and more.
Retirees: Change elections for 2022
Make changes during Annual Enrollment
Annual Enrollment for retirees ends November 5, 2021.
To change medical plans and/or change, cancel or add the vision plan for yourself and your dependents, complete the 2022 Annual Enrollment Retiree Benefits Change Form. Additionally, use this form to make changes to dental and/or life plan options with an effective date of January 1, 2022. If coverage is reduced or cancelled, it cannot be reinstated at a later date.
- 2022 Annual Enrollment Retiree Benefits Change Form (available soon)
As part of the move to an integrated Medicare Advantage Plan, all Medicare Advantage Plan members will receive a new single ID card from UnitedHealthcare to use for both medical and prescription coverage. Effective January 1, you will no longer have a separate ID card for prescriptions.
Non-Medicare-eligible retirees who change their medical plan for 2022 will receive a new ID card from UnitedHealthcare.
Those who add vision coverage for the first time in 2022 will receive plan information and an ID card from EyeMed Vision Care.
Make changes outside Annual Enrollment
To change dental and/or life plan options for yourself and your dependents, or to cancel coverage, including medical, complete a Retiree Benefits Change Form. Please note, you may reduce or cancel coverage in all of these plans at any time during the year and are not limited to retiree Annual Enrollment. If coverage is reduced or cancelled, it cannot be reinstated at a later date.
- Retiree Benefits Change Form (PDF, 827KB)