As Annual Election approaches, we want to help HealthFlex participants better understand the various plans you have to choose from.
You can register up until the start of the event, but you must register to get the link.
Annual Election: What you need to know
To make your elections
BenefitsAccess.org is the new starting point for Annual Election.
If you have already registered for Benefits Access, there is nothing more you need to do. If you have not registered, please go to BenefitsAccess.org, select “New User Registration”, and complete the registration process.
If you need help registering for Benefits Access, please call Wespath Customer Service at 1-800-851-2201. Representatives are available Monday through Friday from 8:00 a.m. to 6:00 p.m., Central Time.
Then starting Nov. 3, log into BenefitsAccess.org starting to make elections.
- Select your HealthFlex plan – medical, dental and vision
- Six medical/pharmacy plans, most of which include a health savings account (HSA) or health reimbursement account (HRA) to help offset out-of-pocket expenses.
- Three dental plans
- Three vision plans
- Choose which eligible dependents to cover — If you don’t see your dependents listed, contact the benefits office.
- Choose reimbursement accounts — for tax savings in 2022 and saving for future needs
- Health Care Flexible Spending Account (FSA) — The 2022 IRS FSA Contribution limits have not been determined. 2021 Contribution limits were minimum $300; maximum $2,750.
- FSA Dependent Care Account (DCA): minimum $300; maximum $5,000
- Health Savings Account (HSA) — 2022 Contribution Limit (including employer contribution): Self only $3,650; Family: $7,300. HSA catch-up contributions (age 55 or older): $1,000
- Limited use FSA HealthCare Account
Be advised, if you do not make any elections, you and any dependents enrolled in 2021 will be enrolled in the NEAC default plans: HealthFlex B1000 PPO, Cigna Passive PPO 2000, VSP Exam Core. Any health account contributions you have elected in 2021 will not continue automatically in 2022. You must make these elections at this time as well.
Contact the Annual Election Support Team at (844) 688-1375
for help making your 2022 elections.
Tools to help with your decision making
ALEX® Online Benefits Counselor
ALEX uses simple language to explain your plan benefits in order to help you:
- Select the best HealthFlex plans for you
- Estimate total out-of-pocket costs, including
- premiums, deductibles, co-payments and
- Estimate how much to set aside in a health
- account to prepare for health care costs and maximize tax savings
To access ALEX prior to annual election, log into BenefitsAccess.org and click the link in the banner at the top of the page.
HealthFlex Participants Turning Age 65 during 2022
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.