Open Enrollment for 2018 benefits is October 23 - November 3, 2017. Open Enrollment is an annual period when you may make changes to your benefits for the following calendar year. If eligible, you may enroll in or change your coverage for the U‑M health, dental, vision and legal services plans plus enroll in a flexible spending account.
Learn More About Your U-M Dental Plan Options
When you enroll in the U-M Dental Plan, you choose Option 1, Option 2 or Option 3. To help you better understand the three options, view a two-minute video: A Quick Guide to Your U-M Dental Plan Options.
Learn More About Your U-M Health Plan Options
To help you better understand your U-M health plan choices, view a two-minute video: A Quick Guide to Your U-M Health Plan Options. Note: This video is intended for faculty, staff and retirees who are eligible for the university's health plans. If you are a benefit-eligible graduate student, including Graduate Student Instructor (GSI), Graduate Student Staff Assistant (GSSA), Graduate Student Research Assistant (GSRA), benefit-eligible fellowship holder, or medical school student, please visit GradCare to learn about your university health plan option.
Minor Changes for 2018
- In 2018, U-M will no longer offer the Health Alliance Plan (HAP) HMO. The Benefits Office informed current HAP members of this change. HAP members who do not select a different health plan during Open Enrollment will be automatically enrolled in the Blue Cross Blue Shield Community Blue PPO plan effective January 1. See Health Plans for additional options.
- The annual limit for contributions to a health care flexible spending account will increase to $2,600 for 2018. IRS rules do not allow flexible spending account (FSA) enrollments to continue across calendar years. Faculty and staff need to re-enroll to participate in an FSA in the upcoming year.
- Beginning January 1, the U-M dental plan will include two fluoride treatments per calendar year for plan members up to age 19.
Make Your Elections Online Beginning Monday, October 23, 2017
The university encourages you to review your current U-M benefits enrollments and all of the benefits plans and options that are available to you. Review an online Open Enrollment book for highlights of your benefits plan choices.
- You will be able to make your benefits changes through Wolverine Access self-service beginning on Monday, October 23, 2017.
- Elections must be complete by 5:00 p.m. (Eastern Time) on Friday, November 3, 2017. Changes take effect on January 1, 2018.
- If you are happy with your current benefits, you do not need to do anything to keep them through 2018, with two exceptions:
- If you are enrolled in the HAP health plan, you will need to choose a different U-M health plan during Open Enrollment, or you will be automatically enrolled in the BCBSM Community Blue PPO plan effective January 1.
- If you are enrolled in a Flexible Spending Account (FSA), you will need to re-enroll if you want to participate in 2018. IRS rules do not allow FSA enrollments to cross calendar years.
- Enroll in an FSA through Wolverine Access during Open Enrollment, from October 23 to 5:00 p.m. on November 3, 2017, or
- Enroll by completing and submitting a paper 2018 FSA enrollment form by December 1, 2017 to have your health care FSA funds available for reimbursement beginning January 1, 2018. The form will be available after November 3. Paper FSA enrollment forms will be accepted until December 31, 2017, however your account will not be set up with PayFlex and available for reimbursement until February 1, 2018. You may incur eligible health care expenses in January, but you may not use your PayFlex Card to pay for them. You will need to pay out of pocket and then submit a claim for reimbursement after February 1.
Think About Other Benefits Plans and Life Changes
While you are thinking about your benefits, now is a good time to think about any changes you may need to make. Download and review a checklist to help you get ready for Open Enrollment.
- If there has been a change in your life, for example, marriage or divorce, now is a good time to think about your beneficiary designations.
- If you are planning to retire in 2018, be sure to add eligible dependents you want to cover on your U-M retiree benefits to your coverage during open enrollment.
- If you have a young child who will visit the dentist for the first time in 2018, be sure to add your child to your dental plan coverage during open enrollment.
- If you moved to a new address, be sure to update your address with the university through Wolverine Access. Contact TIAA and Fidelity directly to update your address for your retirement savings accounts.
- Life insurance, Long-Term Disability, and the retirement savings plans are not part of Open Enrollment and you may enroll or make changes to your coverage or enrollment in these plans at any time. Please note that 403(b) Supplemental Retirement Account (SRA) and 457(b) Deferred Compensation Plan retirement savings plan elections will not be available through Wolverine Access on November 2 and November 3 to avoid conflict with Open Enrollment. SRA and 457(b) online elections will reopen on November 4.