FAQ's - Open Enrollment
Q. What if I miss the Annual Open Enrollment period and need to enroll or make changes to my benefits?
A. If you did not complete your 2018 Open Enrollment elections by completing the online enrollment before the deadline (11/15/2017), you have missed your opportunity to enroll in benefits for 2018, unless you experience a "Qualified Life Event." Federal law limits your ability to change most of your elections outside of Open Enrollment unless you experience a 'Qualified Life Event' (such as a birth or marriage) and, if you do, you must notify BenefitsQA@whoi.edu and submit any required supporting documentation within 31 days of the event. If you've missed the 2018 Annual Open Enrollment deadline and have a concern, contact the WHOI Benefits team by emailing us at BenefitsQA@whoi.edu.
Q. It seems too good to be true! Why wouldn't someone enroll in the High Deductible Blue Care Elect Deductible plan?
A. There is no catch. You have to weigh the Pros and Cons of the three plan options based on your situation. Because of the lower premium cost, greater WHOI cost share as compared to the Low Deductible Plan, and availability of the employer paid HRA (which equates to up to 50% of the annual deductible), it is an attractive option for some employees. Typically, a high deductible health plan may not be desirable to those who are uncomfortable with the potential of upfront out-of-pocket expenses, which may create a cash flow issue for some.
Q. What is considered in-network under the WHOI Medical plans?
A. Any provider or hospital in the BCBS PPO Preferred Network which includes over 90% of all providers and hospitals in the United States. There are even some participating providers outside the U.S. in places like Puerto Rico and US Virgin Islands. All employees considering enrollment in one of the WHOI Medical plans are encouraged to check if their current providers are in the PPO network. To verify if your healthcare providers are in the PPO Preferred network or to find a PPO provider or hospital (use "XXP" for the 3-digit ID number), visit the BCBSMA Provider Finder website at http://www.bcbs.com/healthtravel/finder.html.
Q. I have a child that attends college out-of-state, will the WHOI Medical plans provide coverage for them while at college?
A. The WHOI Medical plans might be a good option for college students residing out of state. Under these plans, there is a very large provider network, which means there is a good chance you should be able to find an in-network doctor and/or hospital in the geographic area of your child‘s school. Do some research and check to see if providers and hospitals near your child’s school are in the BCBS PPO Preferred Network. To verify if your child's healthcare provider is in the PPO Preferred network or to find a PPO provider or hospital (use "XXP" for the 3-digit ID number), visit the BCBSMA Provider Finder website at http://www.bcbs.com/healthtravel/finder.html. Remember that, under our plans, your child can seek urgent or emergency care anywhere.
Q. My child is no longer a full time student. How long can my child be covered under my WHOI Medical plan?
A. Under the Affordable Care Act (ACA) children are eligible to be covered as dependents up until age 26. Under the WHOI Medical plans, eligible dependent children can be covered to the end of the month in which they turn age 26. However, the IRS definition of a qualified dependent who may be covered under an employer’s Health Savings Account (HSA) is different. This means, for instance, that an employee whose 24 year old child is covered on the Blue Care Elect Saver (with HSA) plan may not be eligible to use HSA funds to pay that child’s medical bills (unless the child qualifies as a federal tax dependent). Further, imputed income does not apply for covered dependents (unless dependents of a domestic partner).
Q. What is better an HRA or an HSA?
A. It's a trick question. There is no clear answer. It's like asking, "What's a better vehicle - a pick-up truck or a compact sedan?" The answer in both cases depends on your current and projected needs, your budget and your preferences. While we cannot help you decide, you may find the information below helpful in making your decision.
Last updated: October 30, 2017