FAQ's - Open Enrollment
Q. What if I miss the Open Enrollment period and need to enroll or make changes to my benefits?
A. If you believe you will not be able to complete your online enrollment before the deadline, please contact BenefitsQA@whoi.eduASAP. If you do not complete your online enrollment before the deadline (11/15/2016), you may miss your opportunity to enroll in benefits for 2017. 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 Open Enrollment deadline and have a concern, contact the WHOI Benefits team.
Q. It seems too good to be true! Why wouldn't someone enroll in the Blue Care Elect Deductible plan?
A. There is no catch. Because of the lower premium cost, greater WHOI cost share, and availability of the HRA (which equates to up to 50% of the annual deductible), it is an attractive option for many employees. The Blue Care Elect Deductible is still a choice for employees and should be considered carefully before enrolling. Typically, a high deductible health plan is not desirable to those who are not comfortable with taking the upfront risk for paying out-of-pocket expenses, which can 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 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 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, how will the WHOI Medical plans benefit me?
A. The WHOI Medical plans might still 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. 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 27, 2016