Annual Election is the time to choose your 2023 HealthFlex benefits. Between Nov. 2-17, 2022, you’ll select your medical, dental and vision coverage, choose which eligible dependents to cover, and elect to contribute to health accounts.

To feel confident with your choices during Annual Election, follow these three easy steps:

1. Understand your plan options by visiting the new HealthFlex Annual Election webpage 

2. Get personalized recommendations for plans and health account contributions by logging into Benefits Access and clicking the ALEX® Benefits Counselor link

3. Make your elections* via Benefits Access from Nov. 2-17, 2022

*Be Advised, if you don’t make any elections, your current HealthFlex coverage will continue for 2023. However, any health account contributions you have elected in 2022 will not continue automatically in 2023. You must make new elections.

If you have a health care Flexible Spending Account (FSA)

Just a reminder that you can carry over up to $570 in a health care FSA from 2022 into 2023. Any funds in your FSA above $570 will be forfeited.

You have until December 31, 2022, to spend money in your health care FSA and get under the $570 maximum—and then you have until April 30, 2023, to submit 2022 FSA expenses for reimbursement.

If you have not yet registered for Benefits Access 

We encourage you to register for Benefits Access so you can easily elect your 2023 benefits online. To register, go to Benefits Access and select “New User Registration.”

If you have trouble registering, contact Wespath Customer Service at 1-800-851-2201. Representatives are available business days from 8 a.m. to 6 p.m. Central Time.

Additional information 

• How Do I Choose My HealthFlex Plans?
  • ¿Cómo elijo mi plan de HealthFlex? (Spanish)
  • HealthFlex 플랜을 어떻게 선택해야 할까요? (Korean)
• Detailed Side-by-Side Comparison of 2023 Plans
  • HealthFlex: comparaciónes de planes de 2023 (Spanish)
  • HealthFlex—2023년 플랜 비교 (Korean)
• 2023 Plan Comparison—Health Accounts
• Health Equity HSA Information
• More information about HSA Plans
• More information about HRA Plans

2023 Co-Pay Costs

2023 Health Insurance Co-Pay Rate/Premium Credit Tables

HealthFlex Participants Turning Age 65 during 2023

When a Participant with HealthFlex Benefits reaches age 65 and become eligible for the New England Conference Group-Sponsored Medicare Advantage (PPO) Plan with UnitedHealthcare (UHC).  The UHC Group Medicare Advantage (PPO) plan includes United Healthcare Medical Plan, Guardian Dental Plan and Optum Rx Plan. 

Once enrolled onto the UHC Group Medicare Advantage (PPO) plan the following will be terminated:

• HealthFlex coverage: (Blue Cross and Blue Shield Medical plan, Cigna Dental, Optum RX and Vision plans.
• Health Care Flexible Spending Account and Dependent Care Account.
• Health Savings Account – make or receive additional contributions
• Virgin Pulse
• Wellness Incentive through New England Conference

Health Care Flexible Spending Account (FSA and Dependent Care Account (DCA)

• When a Participant with HealthFlex Benefits reaches age 65 and become eligible to go onto the NEC post 65 plan or if you cease working during the plan year—whether due to retirement, termination of employment or a leave of absence—your Health Care Flexible Spending Account (FSA)) and Dependent Care Account (DCA) is terminated on your last day of employment. Only eligible expenses incurred before you stop working may be reimbursed from your FSA. Expenses incurred after your termination date are not reimbursable.
• If your coverage terminates during the plan year you will have only 90 days after the date your coverage ends to submit claims for eligible expenses incurred before your termination date (i.e., before and including your final date of employment).

Health Savings Account (HSA)

• When you turn age 65 and are eligible to go onto the NEC post 65 plan you will not be able to make or receive additional contributions. Unused balance is portable; remains with you indefinitely regardless of UMC employment / appointment. 
• If you terminate UMC Employment or Waive HealthFlex the unused balance is portable; remains with you indefinitely regardless of UMC employment / appointment.

Health Reimbursement Account (HRA)

• When you turn age 65 and are eligible to go onto the NEC post 65 plan you will not be able to receive additional plan contributions.  The Unused balance remains until exhausted
• If you terminate UMC Employment or Waive HealthFlex the unused balance can be used for eligible expenses for up to 90 days after termination or waiver.