Open Enrollment Faqs

Open Enrollment FAQs  Who does this apply to? o All benefit eligible employees

 How do I begin the process? o Log in to MyMissouristate.edu o Under Profile, Employment Details, Benefits o Select Online Benefits Enrollment o Follow the screen instructions to complete your enrollment

 What benefit(s) does this apply to? o Medical o Dental o Vision, o Supplemental Life Insurance (Employee, Eligible Dependents) o Critical Illness Insurance o Accident Insurance o Group Universal Life Insurance

 Do I need to do anything if I plan on keeping my current coverage as is? o Yes, review and confirm benefits for 2018

 Will I be able to make changes during the year 2018 if I take no action now? Only, o As a result of a Qualifying/Life Changing Event o And during Open Enrollment for 2018

 How am I affected if I take no action? o Possibility of having incorrect benefits during 2018, or no benefits

 What type/kind of changes can I make? o Enroll/Drop/Add/Modify

 Can I stop at any point, save my elections, and then return at a later date to complete them? o Yes, as long as it’s completed no later than 11:59pm on December 1, 2017

 When is the deadline to complete my enrollment? o December 1, 2017 at 11:59pm

 How do I know my enrollment is complete and finalized i.e. How do I know I have successfully completed my enrollment? o By getting to the confirmation page, and clicking on Confirm/Sign.  I’m a recent new hire who has gone through enrolling in my benefits. Do I still need to go through this process again? o Yes, in order to maintain your current benefits.

 If I have questions/issues, whom do I contact? o HR – 417.836.5102, 8am – 5pm, Mon - Fri o Call Center –877.282.0808 - 7am – 4pm, Mon - Fri o Email – [email protected] o Paula Huey, Denise Lofton, and Michel Bampoe

 What about the Cafeteria Plan, where do I go to complete that enrollment?  Go to www.asiflex.com/missouristate  Click on the Enrollment tab at the top of the screen,  Click on "Click here to begin your Online Open Enrollment Session!”  New for the 2018 benefit plan year, you may elect to receive an ASIFlex debit card for use in paying for qualified health, dental, and vision care expenses.

 Can I increase my Life Insurance? o Yes, you can increase by one level as long as it is not over the guaranteed issue. .

 What and where can I find rates? o Medical Coverage You Pay MSU Pays Employee Only $30 $418.16 Employee/Spouse $350.91 $553.16 Employee/Children $252.89 $418.16 Family $393.20 $553.16 o Dental Coverage You Pay MSU Pays Employee Only $0 $33.03 Employee/Spouse $27.25 $33.03 Employee/Children $21.22 $33.03 Family $42.78 $33.03

o Vision (VSP) Coverage You Pay MSU Pays Employee Only $7.65 $0 Employee/Spouse $14.95 $0 Employee/Children $16.05 $0 Family $23.85 $0 o Life Insurance Age Cost per Age Brackets Cost per $1000 Brackets $1000 Less $0.04 50-54 $0.22 than age 30 30-34 $0.05 55-59 $0.42 35-39 $0.07 60-64 $0.65 40-44 $0.09 65-69 $1.26 45-49 $0.14 70 and older* $1.83

o Dependent Life Options Spouse Coverage/Child(ren Monthly Cost ) Option 1 $10,000 Child(ren): $5,000 $1.15 Option 2 $20,000 Child(ren): $10,000 $2.30 Option 3 $30,000 Child(ren): $20,000 $3.90 Option 4 $40,000 Child(ren): $20,000 $8.70 Option 5 $50,000 Child(ren): $20,000 $13.70

o Critical Illness (Non – Tobacco User) – Low Plan ($10,000) Ages Employee Employee/Spouse Employee/Children Family 18-35 $11.92 $20.14 $11.92 $20.14 36-50 $21.82 $34.99 $21.82 $34.99 51-60 $40.22 $62.59 $40.22 $62.59 61-63 $60.42 $92.89 $60.42 $92.89 64+ $86.72 $132.34 $86.72 $132.34 (Tobacco User) Low Plan($10,000) Ages Employee Employee/Spouse Employee/Childre Family n 18-35 $16.02 $26.29 $16.02 $26.29 36-50 $33.12 $51.94 $33.12 $51.94 51-60 $63.72 $97.84 $63.72 $97.84 61-63 $90.22 $137.59 $90.22 $137.59 64+ $130.92 $198.64 $130.92 $198.64

(Non-Tobacco User) – High Plan ($20,000) Ages Employee Employee/Spouse Employee/Children Family 18-35 $17.31 $28.23 $17.31 $28.23 36-50 $37.12 $57.94 $37.12 $57.94 51-60 $73.94 $113.16 $73.94 $113.16 61-63 $114.33 $173.75 $114.33 $173.75 64+ $166.91 $252.63 $166.91 $252.63

(Tobacco User) – High Plan ($20,000) Ages Employee Employee/Spouse Employee/Children Family 18-35 $25.50 $40.52 $25.50 $40.52 36-50 $59.70 $91.82 $59.70 $91.82 51-60 $120.94 $183.66 $120.94 $183.66 61-63 $173.94 $263.16 $173.94 $263.16 64+ $255.32 $385.24 $255.32 $385.24

o Accident insurance Mode Plan Employee Employee/Spouse Employee/Children Family Monthly Low $17.99 $33.86 $36.84 $44.89 High $24.67 $47.22 $51.68 $63.45

 Have there been any rate increases for 2018? o No

 Group Universal Life Insurance o Visit GUL page for rates