Open enrollment and Virtual benefit fair November 1 – December 1.
What is Open Enrollment?
Open enrollment is the annual period during which you can elect/decline/or make changes to your medical, dental, vision, and cafeteria/flexible spending plans for the upcoming calendar year. (Flexible spending elections must be elected annually). Additionally, voluntary benefit carriers may provide guarantee issue during this period as well (determined yearly by the carrier). Open enrollment for the 2024 benefits year will run from Nov. 1, 2023 through Dec. 1, 2023.
Do I need to complete open enrollment?
Yes!
Even if you do not wish to make changes you should complete open enrollment to review your plans for accuracy, verify your personal information is up to date, and make sure you have your beneficiaries updated.
Enrollment in the cafeteria (flexible spending) plan is outside of the open enrollment system. Flexible spending elections must be made yearly. Enroll with Asiflex.
How do I complete open enrollment?
You may call 877-282-0808 or 417-836-3000 to have a benefit counselor assist you over the phone, or you may complete electronically through my Missouri state portal
- Log in to My Missouri State
- Search for the Benefits Card
- select Online Benefits Enrollment
Virtual benefit fair?
We are pleased to announce that we are hosting a virtual benefit fair. The virtual Benefit fair is interactive. Attendees will find out more information about benefits by visiting virtual tables and be entered for prizes. Participants can invite a guest to attend. The virtual fair will run con-current with Open enrollment and be available for viewing from Nov 1, 2023, through December 1, 2023.
What’s New?
Supplemental Term life insurance guaranteed issue for select enrollees:
Employees already enrolled in the supplemental term life insurance coverage can elect to increase their coverage by one benefit level provided the increase does not exceed $300,000 in supplemental coverage without answering medical questions.
- If you have not previously enrolled in supplemental term life insurance, select a change of current coverage exceeding $300,000 in supplemental coverage, or elect a coverage level higher than one benefit option above your current life insurance, you will be required to answer medical questions and be approved by the insurance carrier before additional coverage would be effective.
Short term disability coverage:
While Short term disability was offered the prior 2 years, it is a newer benefit and we want to make sure you understand the benefits of this coverage. Short term disability pays you benefits to replace a portion of the income (benefits based on your elections) if you’re unable to work due to an illness or off-the-job injury. This benefit offering is a supplemental coverage in addition to the robust sick, vacation, and leave options offered by the university.
- Payment, based on medical necessity, is paid up to employee’s ability to return to work or Long-term disability eligibility
- Pre-existing conditions have minimum allowed amount of 4 weeks.
- Pre-existing limitation does not apply after coverage in force for 1 year.
- Guaranteed issue during open enrollment means no medical questions.
- Does not offset other income
- 2 coverage levels allow you to choose the option that fits your needs and works with your budget.
Change in Medical plan rates:
| 2024 Base plan = Monthly premium | 2024 Buy-up plan = Monthly premium | ||
| Employee Only | $42.00 | Employee Only | $93.00 |
| Employee + Spouse (domestic partner) | $399.00 | Employee + Spouse (domestic partner) | $511.00 |
| Employee + Child | $294.00 | Employee + Child | $388.00 |
| Employee + Family | $457.00 | Employee + Family | $577.00 |
See the open enrollment FAQ’s for additional information or contact HRBenefits@missouristate.edu
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