Frequently Asked Questions
- General questions
- What is Open Enrollment?
Open enrollment is the annual opportunity to reflect on your current benefit elections and make any changes for the coming calendar year.
- When is Murray State’s 2023 Open Enrollment?
Open Enrollment begins October 21, 2022 and ends on November 4, 2022.
- How do I enroll?
Use your myGate username and password to log in to Benefitfocus. You can also find the link on the Employee tab myGate in the Human Resources section. Complete the acknowledgement within your To Do List and select Enroll Now to make your benefit elections.
- Is Murray State making any changes in employee benefits for 2023?
There is no increase in employee health premiums for any of the health plans. There also are no changes in health plan design features, such as deductibles, out-of-pocket costs and co-pays. Racer Wellness participants will continue to be eligible to earn the $250 Wellness Pledge incentive for 2022.
Voya Life is offering $20,000 Guaranteed Issue (GI) for current participants in 2023!
New for 2023: MASA Emergency Medical Transportation Coverage!
A new voluntary benefit that offers emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a given group healthcare benefits network.
- If there are no changes, should I just keep my benefits the same for 2023?
It is very important that you take the time to review all of your benefit options, as your needs may be different for 2023. This is an active enrollment, which requires that you review your benefit options and enroll in 2023 benefits during the Open Enrollment period.
- If I don’t want to join Murray State’s health insurance plan, do I still need to complete
the online enrollment process?
Yes, you will still need to opt-out of health insurance and make decisions on other benefits in Benefitfocus. Becoming a member or keeping your Sick Leave Bank membership is part of the Open Enrollment process even if you do not plan on taking Murray State’s health insurance. Sick Leave Bank provides a means of obtaining additional sick leave days to avoid loss of compensation.
- I do not plan to make changes to my coverage for 2023. Do I still need to complete
the online enrollment process?
Yes, this is an active Open Enrollment meaning you must elect each benefit coverage and dependents for all benefits offerings each year. Becoming a member or keeping your Sick Leave Bank membership is part of the Open Enrollment process even if you do not plan on taking Murray State’s health insurance. Sick Leave Bank provides a means of obtaining additional sick leave days to avoid loss of compensation.
- What should I do if I’m having trouble accessing Benefitfocus?
First, try using a different browser. If you continue to experience issues with Benefitfocus, contact HR at 270.809.2146 for assistance.
- I completed Open Enrollment, but how do I review my elections, including my dependents?
When you complete the enrollment process, you will have access to a summary to view or print for your records. It is critically important that you confirm your choices before the end of Open Enrollment to ensure you have entered all of your elections as you intended.
- Will I receive a confirmation when I successfully complete Open Enrollment?
You will receive an email confirmation upon completion. You can review your individual information on Benefitfocus at any time during 2023.
- Can I make a change to one or more of my benefits after Open Enrollment?
You may make changes to your benefit selections at any time during the Open Enrollment period. However, once Open Enrollment ends on November 4, 2022, you cannot make changes to benefit selections during the year unless there is a life circumstance change that is a qualifying event.
- What is the Racer Wellness Pledge and am I eligible to participate?
Murray State’s Racer Wellness program is designed to encourage, support, and assist employees in taking a proactive approach to improve their health and well-being. Programming includes health fairs as well as Lunch and Learn educational health and well-being sessions throughout the year.
Employees must be enrolled in Murray State’s health plan AND must elect the Racer Wellness Pledge during 2023 Open Enrollment. Additional requirements can be found on the Racer Wellness Pledge website.
- Is there an incentive for me to participate in the Wellness Pledge?
Yes, you can earn the $250 incentive by successfully completing both Phase 1 and Phase 2 of the Pledge.
- How will I receive the incentive payment?
If the Racer Wellness Pledge participant is enrolled in a High Deductible Health Plan, the incentive will be deposited into the HSA account. Participants in the PPO plan will receive the payment as a discount from their health insurance premium.
- Is there a penalty if I do not complete the Pledge?
If Phase 1 is NOT completed, participants will incur a penalty of $180, assessed monthly September 2023 – November 2023.
Successful Phase 1 participants will move to Phase 2. If Phase 2 is NOT completed, participants will incur a penalty of $120, assessed monthly November2023 – December 2023.
- Does the Wellness Pledge include access to the Susan E. Baurenfeind Wellness Center?
Employees who have taken the 2023 Racer Wellness Pledge are also eligible to participate in the Susan E. Baurenfeind Wellness Center Access program. You must be a Wellness Pledge participant to be eligible, but this program is NOT part of Wellness Pledge programing and isn’t included as a part of Pledge requirements. Access requires a membership, which is paid by Racer Wellness. This is a taxable employee benefit, as determined by the IRS.
- I know Murray State has an Employee Assistance Program (EAP), but I'm not sure what
it is or how it would help me?
The Employee Assistance Program (EAP) is a voluntary, confidential program that Murray State provides as a no-cost benefit to you and your household. The EAP provides professional help for you and members of your household who may need help to discuss and find ways to better manage such issues as stress and anxiety, emotional challenges, alcohol/drug problems, legal matters and financial management. In addition, the EAP offers work-life resources and tools to support your overall well-being. This benefit is administered by Wayne Corporation at no cost to you. Wayne Corporation can be contacted at 1-800-441-1EAP (1327) or waynecorp.com.
- Will there be in-person benefits presentations to help me make my choices?
A virtual informational session will be offered this year. You can register for the Q&A Zoom session held on Wednesday, November 2 from 1:00 to 2:00 p.m. to get benefit questions answered. Additional information is available on the HR website.
- What if I have additional questions about enrolling?
If you have questions about or need assistance with Open Enrollment, please register for the Q&A Zoom session. You can also contact Human Resources, as the HR Benefits team is available by appointment to meet with you. Please contact Marcie Clark, Assistant Director of Benefits, at 270.809.2158, Mandy Lawson, Benefits Administrator, at 270.809.2237, or Kelly Allison, Benefits Coordinator, at 270.809.4428 to schedule an appointment.
- Health Plans & Spending Accounts
- What health plans will be offered for 2023?
Murray State will continue to offer two High Deductible Health Plans (HDHP) and one Preferred Provider Organization (PPO) plan for the coming year.
- Will Anthem continue to be the provider for Murray State’s 2023 health insurance program?
Murray State will continue to self-insure our health plan, and Anthem will continue to provide the administrative services for provider networks and claims processing, as is currently the case.
- Can my adult child be covered on my insurance?
Children under age 26 are eligible for medical insurance, as well as voluntary benefits. Unmarried children who are unable to support themselves due to a physical or mental disability are also eligible for medical and voluntary benefits.
- Can I cover my spouse on my medical insurance?
Generally, spouses can be covered on Murray State’s plan. However, with comparable coverage available through their employer are not eligible for medical coverage through Murray State’s plan.
- I’m a tobacco user. Will this have an impact on my premium?
The tobacco surcharge is $55 per month, which is added to the health insurance premium for tobacco users. All employees enrolling in Murray State’s medical plan must attest to their tobacco use status when enrolling through Benefitfocus. Providing false information when enrolling in Murray State’s medical plan may be considered insurance fraud and may result in payment of applicable premium charges.
- What is a High Deductible Health plan (HDHP)?
A HDHP features higher annual deductibles than traditional health plans. With the exception of preventive care, employees must meet the annual deductible before the plan pays benefits. However, HDHPs may have significantly lower premiums than a PPO or other traditional plan.
- What is a Preferred Provider Organization Plan (PPO)?
A PPO is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. Your out-of-pocket cost is lower if you use providers that belong to the plan's network.
- What’s the difference between a PPO and an HDHP?
PPO refers to the network structure of a plan, whereas HDHP refers to its pay structure. A high deductible health plan simply works differently than more traditional plans in that there are no copays — you pay everything out-of-pocket until you reach your deductible. After that, the plan’s coinsurance kicks-in, and the insurer picks up a percentage of the bills until you reach your out-of-pocket maximum.
- What is a Health Savings Account (HSA)?
A Health Savings Account (HSA) is a tax-exempt trust or custodial bank account with a qualified HSA trustee (bank) to pay or reimburse qualified medical expenses you incur. If you are enrolled in a High Deductible Health Plan (HDHP) and qualify for an HSA, Murray State will contribute up to $400/single and $800/family to your HSA. IRS guidelines apply if you are 65 or older and enrolled in Medicare.
The IRS does not allow a family to have Flexing Spending Account (FSA) and HSA at the same time. Employees should consult with their tax advisors for additional information.
- What happens if I still have an HSA balance at the end of the year?
Since you own the money in your HSA, any unspent balances automatically roll over year after year. Your account is both portable and non-forfeitable.
- What is a Flexible Spending Account (FSA)?
A Flexible Spending Account (FSA) is an account you put money into that you use to pay for certain out-of-pocket health or childcare costs. Since you don’t pay taxes on this money, you’ll save an amount equal to the taxes you would have paid on the money you set aside. You can contribute to either a Healthcare Flexible Spending Account (HCFSA) or a Dependent Care Flexible Spending Account (DCFSA).
The IRS does not allow a family to have FSA and HSA at the same time. Employees should consult with their tax advisors for additional information.
- Can I carry over funds from my current FSA account to 2022?
If you were enrolled in a healthcare FSA for 2022 and enroll in 2023, you can use 2022 funds to pay 2022 plan year claims through May 31, 2023. Claims incurred in 2023 CANNOT be paid with 2022 contributions. After May 31, 2023, you are allowed to carry over up to $500 to pay future claims. You have until May 31 of the following year to pay plan year claims. After that point, you can carry over up to $500 to pay future claims. If you have an FSA in 2022 and elect an HSA or waive the FSA in 2023, you are not eligible for the $500 carryover.
- How much can I contribute to a Healthcare Flexible Spending Account?
You can contribute a minimum of $50 and a maximum of $2,850 to a Healthcare FSA. Your contributions are paid through payroll deductions with pre-tax dollars.
- How much can I contribute to a Dependent Care Flexible Spending Account?
A Dependent Care FSA lets you use pre-tax dollars to pay for eligible expenses related to day care while you and your spouse work or go to school full-time. The maximum amount allowed by the IRS is $5,000 per year for individuals or married couples filling jointly or $2,500 for a married person filing separately.
- Pharmacy Benefits
- Who administers Murray State’s prescription drug program?
Express Scripts is Murray State’s pharmacy benefits manager.
- Can I use my Anthem card for prescription coverage?
No, your Anthem card is for medical and vision claims only. Express Scripts will mail an ID card to your home address to use for prescriptions when you enroll in medical coverage. Additionally, Express Scripts offers a digital ID card for your convenience. You can access the digital ID card with the Express Scripts mobile app and website. If you need assistance with a paper or digital ID card, you can contact Express Scripts at 844-581-1742.
Express Scripts will be moving to offering only digital ID cards later in 2023. This means participants on Murray State’s health plan will need to access their cards from either the Express Scripts mobile app or website. We send more information out about this upcoming change as we receive it.
- What is Know Your Rx, and what role does it play in my prescription benefits?
Murray State is a member of the Know your Rx coalition that provides personalized support to assist you in making the most of your prescription benefit. The dedicated team of pharmacists work together with Murray State and Express Scripts, your pharmacy benefits administrator, to ensure the best possible experience for you and your family. You can ask Know Your Rx about potential cost-saving strategies, including options that may make filling prescriptions easier and more convenient. You can contact Know Your Rx at 855-218-5979 to talk directly with a pharmacist who understands Murray State’s prescription plan, or you can email KYRX@uky.edu.
- Voluntary Benefits
- What voluntary benefits does Murray State provide?
You can choose from Delta Dental, Anthem Vision, MASA – Emergency Medical Transportation, Voya Supplemental Life Insurance, Group Critical Illness, Short-Term Disability, Accident, and Group Hospital Confinement Indemnity program.
- What does MASA – Emergency Medical Transportation cover?
MASA MTS Emergent Plus Transportation Services Insurance policy provides the following coverages: emergency air ambulance coverage, emergency ground ambulance coverage, hospital to hospital ambulance coverage, and repatriation to hospital near home coverage (when arranged by MASA). These services are available within the United States and Canada, regardless of whether the provider is in or out of a given healthcare benefits network.
The $14.00 monthly premium covers employee, spouse, and eligible dependents under the age of 26. MASA provides additional coverage for services provided on Murray State’s health insurance. MASA does not require participants to be enrolled in Murray State’s health insurance plan.
If services are needed MASA participants will be required to meet their health insurance’s annual deductible before MASA benefits will be applied. The maximum benefits amount pays a maximum of $20,000 per event for up to two (2) events per 12-month period for emergency air ambulance and emergency ground ambulance. MASA will cover out of pocket expenses for hospital to hospital ambulance after applying primary insurance benefits. Total costs are paid for repatriation to hospital near home coverage when MASA MTS arranges the transportation service.
- What does the dental insurance cover?
You can choose from two plans for you and your dependents, the Basic Core planand the Buy-up plan, which includes some orthodontia. Delta Dental is Murray State’s dental vendor. You can use Delta Dental’s Find-A-Dentist tool to easily find the in-network providers.
- What are the options for vision coverage?
Anthem Blue Vision is Murray State’s vendor for vision coverage. The provides details of coverage. A basic preventive vision exam is also available through each of the medical plans, which is covered at 100%.
- What is the difference between the Voya Accident, Critical Illness, Short-Term Disability
and Hospital Indemnity voluntary plans as well as supplemental life offered by Voya?
The Voya Employee Benefits Resource Center provides detailed information for each plan. Voya offers short videos as well as a benefits summary and cost for each plan. Simply click on Learn More under the plan you wish to review to locate the summary.
- Is there a Voya wellness benefit?
Participants in Voya’s optional Accident and Critical Illness plans are eligible to be reimbursed through the Voya wellness benefit. This benefit pays you a wellness benefit of $100 per adult and $50 per child on the plan for a wellness exam. There is an annual maximum of $200 for all children combined.
Employees that enroll in both Accident and Critical illness voluntary plans can have an additional wellness benefit up to $400.
- Does Murray State provide life insurance?
Murray State provides basic term life insurance coverage and a $10,000 accidental death and dismemberment (AD&D) coverage to you at no cost if you are in a benefits eligible position.
- Can I purchase supplemental life insurance in addition to the basic plan covered by
During Open Enrollment, current supplemental life insurance participants will have the option of an additional 2 increments of $10,000 or a total of $20,000 guarantee issued supplemental life up to seven times their annual salary or $250,000 whichever is less. Evidence of insurability would be required for employees not participating in supplemental life prior to open enrollment for any amount selected during open enrollment as well as for participants wishing to obtain more than the additional $20,000 guarantee issue. Note - newly hired employees, upon their initial benefits selection, have the option of guarantee issue supplemental life insurance in the amount of seven times their annual salary or $250,000, whichever is less.