Monroe College

Table of Content

  1. Header
  2. Page
    1. Welcome
    2. Open Enrollment Education Sessions
    3. Medical & Prescription Drug
    4. Voluntary Benefits
    5. Supplemental Life
    6. Dental
    7. Additional Benefits
    8. How to Enroll
    9. Contact Information
  3. Footer

Welcome

2022 Annual Enrollment Starts Here!

Annual enrollment is your opportunity to learn about the 2022 Monroe College Employee Benefits program, review your current coverage and choose the best options for you and your family. The elections you make during this Annual Enrollment period will take effect on May 1, 2022 and continue through April 30, 2023. Please review the 2022 Benefits Guidebook and attend our upcoming education sessions to learn more about your benefit options for the May 1, 2022 plan year.

 

Highlights for 2022:

The medical plans will be moving to Aetna! Monroe College is excited about this new partnership. 

  • The four medical plans that are currently in place today will continue to be offered with Aetna beginning May 1, 2022. 
  • There will be no change to the paycheck contributions for the medical plans in the new plan year!


Also new for 2022, PayFlex will be the administrator for our Health Savings Accounts (HSA).


 All other benefits will be continued with no changes! 

  • Dental will remain with Cigna and the paycheck contributions for this plan will not change
  • Vision will remain with Ameritas and the paycheck contributions for this plan will not change
  • Life and disability will remain with Hartford with no cost or plan design changes
  • The Cigna voluntary benefits will continue to be offered with no changes
  • No changes to the flexible spending account program

Open Enrollment Education Sessions

If you were unable to attend this year's open enrollment education sessions, you can view the presentation here..

2022 Open Enrollment Presentation

2022 Open Enrollment Presentation

Medical & Prescription Drug

Aetna Medical Plan Options

Aetna Medical / Prescription Drug Plans

Exciting news for 2022 – Aetna will be our carrier for medical and prescription drug beginning May 1, 2022! 

 

While this is a carrier change, there will be no changes to how our plans work. That means what you pay out-of-pocket for the plans’ deductibles, copays, coinsurance, etc. will all stay the same for the new plan year.

 

Additionally, the paycheck contributions for the medical plans will not increase in the new plan year!

 

Health Reimbursement Account (HRA)

If you enroll in the Aetna HRA or Aetna Enhanced HRA plan, the College will fund your Health Reimbursement Account up to $750 for Employee Only coverage and up to $1,500 for Employee and Dependent coverage.

 

Health Savings Account (HSA)

If you enroll in the Aetna HSA or Aetna Enhanced HSA plan, Monroe College will continue to provide a contribution to your PayFlex Health Savings Account.

  •  Aetna HSA Plan: $500 for Employee Only coverage and $1,000 for Employee and Dependent coverage.
  • Aetna Enhanced HSA: $400 for Employee Only coverage and $800 for Employee and Dependent coverage.

 

The maximum you may contribute to an HSA in 2022, as set by the IRS, is:

  • $3,650 for Employee Only coverage
  • $7,300 for Employee and Dependent coverage
  • Up to $1,000 additional catch-up contribution if you are age 55 or older


These HSA contribution maximums include the amount contributed to your HSA by Monroe College.



Aetna HRA Benefit Summary

Aetna HRA Benefit Summary

Aetna HSA Benefit Summary

Aetna HSA Benefit Summary

Aetna Enhanced HSA Benefit Summary

Aetna Enhanced HSA Benefit Summary

Aetna Enhanced HRA Benefit Summary

Aetna Enhanced HRA Benefit Summary

Aetna HRA Summary of Benefits & Coverage

Aetna HRA Summary of Benefits & Coverage

Aetna HSA Summary of Benefits & Coverage

Aetna HSA Summary of Benefits & Coverage

Aetna Enhanced HSA Summary of Benefits & Coverage

Aetna Enhanced HSA Summary of Benefits & Coverage

Aetna Enhanced HRA Summary of Benefits & Coverage

Aetna Enhanced HRA Summary of Benefits & Coverage

Aetna Provider Search Instructions

Aetna Provider Search Instructions

Medicare HSA Q&A

Medicare HSA Q&A

Voluntary Benefits

Cigna Voluntary Benefit Plans

As a Monroe College employee, you have access to these voluntary plan options from Cigna:

  • Accidental Injury
  • Critical Illness
  • Hospital Indemnity


These plans pay a cash benefit for covered services. Refer to the information below to reach more about each of these plan options.

Accidental Injury Benefit Summary

Accidental Injury Benefit Summary

Critical Illness

Critical Illness

Hospital Indemnity Benefit Summary

Hospital Indemnity Benefit Summary

Supplemental Life

The Hartford Supplemental Life Insurance

Supplemental Life may be purchase in amounts as follows:

  • Employee coverage: the lesser of $500,000 or 5 times your annual earnings, purchased in $10,000 increments
  • Spouse coverage: the lesser of $250,000 or the amount of the employee supplemental life coverage purchased, coverage is purchased in $5,000 increments
  • Child coverage: the lesser of $10,000 or the amount of the employee supplemental life coverage purchased; coverage is purchased in $2,000 increments


You must have or enroll in Supplemental Life coverage for yourself if you want to purchase Supplemental Life coverage for your spouse or child(ren).


The Hartford is offering employees an opportunity to purchase additional life insurance without requiring you to complete any medical information forms – no questions asked! Here is what you need to know:

  • If you are not currently enrolled in Supplemental Life, you may elect up to $150,000 of Supplemental Life coverage
  • If you are currently enrolled in Supplemental Life with less than $150,000 in coverage, you may elect to increase your current coverage up to a total of $150,000


For new enrollments or increases to coverage that exceed $150,000, you must complete and submit an Evidence of Insurability form to The Hartford for approval. Additionally, if you wish to elect coverage for your spouse, they must submit Evidence of Insurability and the entire amount of their election must be reviewed for approval by The Hartford. Contact Human Resources for the Evidence of Insurability form. Coverage will be effective after The Hartford approves your application.

Dental

Cigna Dental Plan

The Monroe College Dental plan will remain with Cigna in the May 2022 plan year. There will be no change to the plan’s deductible or coinsurance. And no change to the payroll cost for this coverage.


Monroe College’s Dental plan is a PPO plan, meaning the benefits paid by the plan differ for services provided by dentists that are part of the Cigna dental network, as compared to out-of-network dentists. Keep in mind that you will limit your out-of-pocket cost for services if you choose a Cigna participating dentist, as they will accept Cigna’s allowed amount as payment in full. In addition, the plan has a lower deductible and pays a higher percentage of the allowed amount for certain services (e.g., fillings, oral surgery, endodontics) when you visit a Cigna network dentist.

Cigna Dental Benefit Summary

Cigna Dental Benefit Summary

Additional Benefits

Monroe College provides you with additional benefits at no cost to you:

  • Basic Life Insurance (The Hartford) – your benefit is 3 times your annual salary (rounded up to the next $1,000) or $850,000, whichever is less
  • Basic Accidental Death & Dismemberment (The Hartford) – coverage is in the same amount as the Basic Life benefit above
  • Short Term Disability (The Hartford) – this income replace benefit equals 60% of your weekly pre-disability earnings, up to $1,500 per week, following a 7-day benefit waiting period
  • Supplemental Paid Leave – Monroe College will supplement your Short Term Disability benefit paid by The Hartford with a benefit of 40% of your weekly pre-disability earnings; this benefit is payable for up to 8 weeks, depending on your years of service with the College
  • Long Term Disability (The Hartford) – this income replacement benefit equals 60% of your monthly pre-disability earnings, up to $16,000 per month, following a 90-day benefit waiting period. If the College pays the cost of this coverage for you, any Long Term Disability benefit payable to you will be subject to applicable income taxes


Additional employee-paid benefits available to you:

  • Long Term Disability (The Hartford) – this income replacement benefit equals 60% of your monthly pre-disability earnings, up to $16,000 per month, following a 90-day benefit waiting period. If you pay the cost of this coverage, any Long Term Disability benefit payable will not be subject to income taxes
  • Supplemental Accidental Death & Dismemberment (The Hartford) – Monroe College provides you with Basic AD&D coverage, but you may purchase additional coverage, as well as AD&D for your spouse and/or child(ren)
  • Vision (Ameritas) – no change to the vision plan for the 2022, and no change to your payroll cost for this coverage. See below for a summary of benefits
  • Flexible Spending Accounts (EBC) - FSA plan options included Health Care FSA (not available to anyone who is enrolled in the HSA or Enhanced HSA plan); Limited FSA (available to employees enrolled in the HSA or Enhanced HSA plan); Dependent Care FSA; Mass Transit and Parking 
Vision Benefit Summary

Vision Benefit Summary

Health Care FSA Eligible Expenses

Health Care FSA Eligible Expenses

Limited FSA Eligible Expenses

Limited FSA Eligible Expenses

CommuteEase for Mass Transit & Parking

CommuteEase for Mass Transit & Parking

How to Enroll

Is Action Required?

This is a passive enrollment, so some elections you have in place today will roll forward to the May 1, 2022 – April 30, 2023 plan year and remain in place during that time.


Flexible Spending Account (FSA) and Health Savings Account (HSA) election will not carry forward to the new plan year. You must make these benefit elections each year during annual enrollment if you would like them to continue.


Unless you have a mid-year life event, your next opportunity to elect Monroe College’s benefits will be in March 2023 (for coverage effective May 1, 2023).


You have from March 7 through March 18, 2022 to make your election.  Use the ADP link to get started!  

2022 Monroe ADP Instructions

2022 Monroe ADP Instructions

Contact Information

Medical & Pharmacy | Aetna

www.aetna.com

1-833-931-3596

Group #: 186119


Dental | Cigna

www.mycigna.com

1-800-244-6224

Group #: 2500001


Accident, Critical Illness and Hospital Indemnity | Cigna

www.mycigna.com

1-800-754-3207

Policy #: Accident AI961048; Critical Illness CI961007; Hospital HC960442


Vision | Ameritas

www.vsp.com

1-800-877-7195

Group #: 026-201555


Flexible Spending Accounts | Employee Benefits Corporation

www.ebcflex.com

1-800-346-2126

Group ID #: M94479


Life and AD&D Insurance | The Hartford

www.thehartford.com

1-888-563-1124

Policy #: 893541


Short and Long Term Disability Insurance | The Hartford

www.thehartford.com

1-888-301-5615

Policy #: 893541


Benefit Support Team | NFP

Email: MonroeCollegeBenefits@nfp.com

1-877-607-2372