FAQ's - Open Enrollment
Q. What is Open Enrollment?
A. Open Enrollment is an annual event during which time benefits-eligible employees may make changes to or enroll in medical and dental insurance plans, add a dependent(s) to their coverage, or enroll in the healthcare flexible spending account and/or dependent care flexible spending acount.
Q. How can I see what benefits I currently have?
A. We are pleased to provide you with a customized statement of your benefits and compensation package. Your statement was designed to illustrate the value of your benefits package. To view your personalized benefits statement, visit www.ibenecom.com/whoi. Once on the website, you will be instructed on how to sign in and reset your password.
Q. Do I need to do anything if I don't want to make any changes to my benefits?
A. It depends. If you don't want to make any changes to your current medical or dental coverage, you don't need to do a thing. However, if you wish to participate in one of the flexible spending account programs (health and/or dependent care), you need to re-enroll each year during open enrollment.
Q. What if I miss the Open Enrollment period and need to enroll or make changes to my benefits?
A. Federal law limits your ability to change most of your elections outside of Open Enrollment unless you experience a 'qualifying event' and, if you do, the change must be made within 30 days of the event. Supporting documentation will need to be submitted to HR along with any election change. If you've missed the Open Enrollment deadline and have a concern, contact the Human Resources office.
Q. It seems too good to be true! Why wouldn't someone enroll in the HDHP?
A. There is no catch to the HDHP. Because of the lower premium cost, greater WHOI cost-share, and availability of the HRA that covers 50% of the annual deductible, it is an attractive option for many employees. The HDHP 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 HDHP?
A. Any provider or hospital in the PPO Preferred Network which includes over 90% of all providers abd hispitals in the United States. There are even some participating proviers outside the U.S. in places like Puerto Rico and US Virgin Islands. All employees considering enrollment in the HDHP are encouraged to check if their current providers are in the PPO network. All employees considering enroilling in the HDHP are encpouraged to check if their current providers are in the PPO network. Use the following link to find a PPO Preferred network provider or hospital (use "XXP" for the 3-digit ID number):
Last updated: October 7, 2015