INTRO

Open Enrollment is your opportunity to learn about the 2021 benefit offerings, review your plan options, and choose the best options for you and your family. Please see the information below, attached documents, and presentation videos.

Enrollment will again be through Employee Navigator. Watch for an email inviting you to log on and make your elections for the upcoming plan year.




How to Enroll

Action Required

All employees should complete their elections through Employee Navigator by 11//20/2021. Watch your email for a link inviting you to complete your elections for benefits effective 12/1/2021.

ELECTION CHANGES

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.


Contact Human Resources if you have questions about qualifying events.

MEDICAL

BlueCross BlueShield


There are no changes to the BCBS medical plan.


See below for plan details and link to find an in-network provider.


HSA

Health Savings Account (HSA)

If you participate in BMDC's medical plan, you are eligible to participate in a Health Savings Account (HSA).


An HSA is similar to an FSA in that you are eligible to pay for health care expenses with pre-tax dollars.

Advantages of an HSA include the following:

  • Money can be invested much like 401(k) fund.
  • Unused money is not forfeited at the end of the year and is carried forward.
  • The account is yours to keep. You can take it with you if you change jobs or retire.
  • If you have any money remaining after your retirement, you may withdraw it as cash.


2021 Annual Maximum Contribution

  • Employee Only: $3,600
  • Employee + 1: $7,200
  • Family: $7,200


If you are 55+, you can also make an additional $1,000 “catch-up” contribution annually.

DENTAL

Dental offered through Dental Select

There are no changes to your dental plan this year.


Dental Select's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Dental Select Platinum Co-Insurance network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs may be higher.

Use the link below to find an in-network provider.

Select Dental then your city or zip code.

Select "Advanced Search".

The network is "Platinum (Co-Insurance)".


VISION

Vision offered through Dental Select (EyeMed Select network)

There are no changes to your vision plan this year.


DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes

BMDC, Inc offers vision coverage through Dental Select's EyeMed Select network to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the EyeMed Select Network. Review your coverage details in your Benefit Guide.

To find out if your provider is in-network, please visit the Provider Finder link below.