Introduction
Open Enrollment is your opportunity to learn about the benefits available to you, review your current coverage and choose the best options for you and your family.
- If you'd like to change your existing coverage or make new elections, you must do so in the Paycom enrollment portal by December 10th.
- Your current medical, dental and vision elections will carry forward to 2022 if you don't make a new election.
- To participate in a Flexible Spending Account in 2022, you must make an active election, even if you're already participating in 2021.
Remember, your elections will be locked in for the plan year once Open Enrollment closes, and you will not be able to make any changes to your coverage or dependents until the next Open Enrollment period, unless you experience a qualified life event.
Examples of a qualified life event include:
- Change in marital status (marriage, divorce, legal separation)
- Change in number of dependents (birth, adoption, death)
- Gain or loss of other coverage
- Change of custody, judgement, court order or decree requiring medical coverage including qualified Medical Child Support Order
Enrollment Resources
Watch the 2022 Open Enrollment Webinar and use the resources provided to understand your benefits options for 2022.
* this summary is for illustrative purposes only intended to provide general guidelines. Actual out of pocket expenses may vary.
Additional Resources
The NFP Benefits Concierge is you one-stop contact center for answering benefits questions.
- Call M-F between 9am-6pm ET at 877.835.1361
- E-mail anytime at DBbenadmin@nfp.com
The NFP Claims Advocacy team is your one-stop contact center for resolving benefits claim issues. They can help you with claims questions, reviewing Explanations of Benefits (EOBs), and appeals, to name a few. To get in touch with a claims advocate, contact CSclaims@nfp.com. Please note, you will be required to complete a HIPAA form for all claims-related inquiries.
Medical
Minor Changes to Oxford's Plan Designs
- You will continue to have two medical plans to choose from - a $0 Deductible Plan and a $3,000 Deductible Plan
- Plan designs are changing slightly effective January 1st, so be sure to review your options carefully
- $0 Deductible Plan - In-network out-of-pocket maximums are increasing from $3,000 / $6,000 (individual / family) to $3,250 / $6,500. Out-of-network out-of-pocket maximums are increasing from $7,500 / $15,000 (individual / family) to $7,750 / $15,1500.
- $3,000 Deductible Plan - In-network out-of-pocket maximums are increasing from $8,550 / $17,100 (individual / family) to $8,700 / $17,400. Out-of-network out-of-pocket maximums are increasing from $10,000 / $20,000 to $10,500 / $21,000.
Dental & Vision
No Changes to Dental or Vision Benefits
- You will continue to have two dental plans to choose from (administered by Delta Dental) and one vision plan (administered by VSP)
- There are no changes to your plan designs or paycheck contributions in 2022
- Remember, orthodontia is only covered under the Delta Dental high plan
FSA
You Can Participate in a Health and/or Dependent Care Flexible Spending Account (FSA)
- An FSA is a special account that lets you put aside pre-tax dollars to pay for certain out-of-pocket healthcare or dependent care expenses.
- FSA elections are "locked in" unless you experience a qualified life event, so consider your healthcare spending needs and make your election accordingly. You must re-enroll every year if you want to participate.
- You want to spend the funds in your account, like the name implies, because FSA funds are "use-it-or-lose-it." That means any remaining balance you have in your FSA at the end of the applicable grace period is forfeited.
- Your plan's grace period is 2.5 months after the end of the plan year. That means you can incur expenses against your 2022 funds through March 15, 2023. You have until March 31 to submit claims.
- Terminated employees must submit FSA claim form within 90 days from the last day of active coverage. Your FSA Debit Card will be suspended.
Healthcare FSA
- You can contribute up to $2,850 annually. Funds are front loaded at the beginning of the year.
- There are thousands of FSA-eligible items, including over-the-counter medications.
Dependent Care FSA
- You can contribute up to $5,000 annually. Funds become available as they are deducted from your paycheck. You submit claims for reimbursement.
- Qualified expenses must be for the purpose of you, and if married, your spouse, to be employed. Qualifying dependents are: a tax dependent of yours under the age of 13 or any other tax dependent of yours (such as a spouse or elderly parent) who is physically or mentally incapable of self-care and has the same principle residence as you.
Note: FSAs are administered in accordance to the IRS tax codes. Neither Discovery Benefits or La Perla has the authority to make any exception to this IRS rule. It is your responsibility to meet the deadline by serving appropriate documentation to Discovery Benefits for claims adjudication.
Commuter Benefits
You Can Participate in Pre-Tax Transit and Parking Benefits
- Pre-tax transit and parking accounts let you direct pre-tax pay towards qualified transit and parking expenses.
- Transit and parking are two separate accounts. You can fund $280 per month into each account.
- A qualifying commuter expense would be: train, subway bus, transportation in a commuter highway vehicle or transit passes.
- A qualifying parking expense would be parking at or near your place of employment. It also includes park-and-ride locations.
- These benefits can be changed at anytime and roll over from month to month.
How To Enroll
If you'd like to change your existing coverage or make new elections, login to the Paycom enrollment portal by December 10th.
Remember:
- Your current medical, dental and vision elections will carry forward to 2022 if you don't make a new election.
- FSA elections do not carry forward. You must actively re-enroll if you want to participate in 2022.
Contact Us
Questions?
Contact Human Resources at hr.usa@laperla.com or the NFP Benefits Concierge at DBbenadmin@nfp.com.