2025 Important Open Enrollment Information

Our Benefits and Wellness Committee, with the help of the Northwest Leadership Team, has carefully evaluated and finalized the University’s renewal of health, dental, vision and life insurance benefits for the 2025 calendar year.

In 2025, we are pleased to announce no changes to vision or life insurance plans. Changes to health and dental insurance for 2025 are summarized below:

• The deductible on the Qualified High Deductible Health Plan will increase from $3,200/$6,400 to $3,300/$6,600 in order to remain compliant with IRS guidelines for high deductible plans.
• The coverage level for Basic dental services will increase from 70% to 80% for dentists in the Premier network with Delta Dental. 

Our benefit consultant, USI, negotiated a 1.9% increase to health insurance rates for 2025. The University will absorb the 1.9% increase, and there will be no change to health insurance rates for employees in 2025.

Please take a few minutes to review the open enrollment guide , which includes details about all of the benefits available to employees. The rate sheet summary is available to provide a snapshot of the benefit plan designs and rate information.

This year, the open enrollment period will be Oct. 30 - Nov. 15. Please take a few minutes to review the open enrollment guide , which includes details about all of the benefits available to employees. Additionally, a rate sheet summary is available to provide a snapshot of the benefit plan designs and rate information.

If you are not making any changes, no forms are needed for medical, dental, vision or supplemental life insurance.

For enrollment changes for medical, dental, or vision elections, please complete an Insurance Enrollment Form and send to the Office of Human Resources by Friday, Nov. 15, at 5 p.m.

To make changes to supplemental life insurance, please complete a new Life Insurance Enrollment Form and send to the Office of Human Resources by Friday, Nov. 15, at 5 p.m.

Our benefit consultant, USI, will host virtual benefits education meetings via Zoom on the following dates:

Tuesday, Nov. 5 – 9 a.m.
https://us02web.zoom.us/j/85324797080 
Meeting ID: 853 2479 7080 

Thursday, Nov. 7 – 4 p.m.
https://us02web.zoom.us/j/86007461506 
Meeting ID: 860 0746 1506

If you are unable to attend one of the virtual meetings, view PowerPoint Presentation

• Enroll online at https://enroll.asiflex.com/select010.aspx and use employer code MO
• Forms due to ASI Flex by December 1
• MO Cafeteria Plan Enrollment Guide

• Open Enrollment Guide
• Rate Sheet Summary
• Insurance Enrollment Form
• HSA Payroll Deduction Form (for changes to employee contribution to Health Savings Account)
• Life Insurance Form (for open enrollment changes to supplemental life and/or dependent life)
  • If you are requesting to add supplemental life insurance for the first time, requesting an increase to your current plan of more then $10k, or requesting more than $300k you must submit Evidence of Insurability. Please contact the Office of Human Resources for additional information.
• MO Cafeteria Plan Enrollment Guide (must re-enroll each year)
• Open Enrollment Presentation

If you are not making any changes, no forms are needed for medical, dental, vision or supplemental life insurance.

• Blue Cross Blue Shield Base PPO Plan summary
• Blue Cross Blue Shield Qualified High Deductible Plan summary
• Delta Dental plan summary
• EyeMed plan summary
• The Hartford Basic Life and AD&D plan summary
• The Hartford Employer Paid Long Term Disability plan summary
• The Hartford Supplemental Life Insurance plan summary

In this section you will find annual health plan notices as well as the Children's Health Insurance Program (CHIP) notice:

Health Plan Notices (includes):

• Medicare Part D Creditable Coverage Notice
• Women’s Health and Cancer Rights Notice
• Notice of Special Enrollment Rights
• General COBRA Notice
• HIPAA Comprehensive Notice of Privacy Policy and Procedures
• Health Insurance Marketplace Coverage Options

Children's Health Insurance Program (CHIP) Notice