Open enrollment is also your opportunity to make changes to your other health and welfare benefits and to elect a Flexible Spending Account (FSA).
Please refer to your 2019 Benefits Open Enrollment Guide for your options, monthly premium rates and plan details.
- Express Scripts will be the new administrator for the pharmacy benefits included in all Harvard-sponsored medical plans; see What’s New for details.
- For 2019, the hearing aid benefit offered under Harvard-sponsored health plans will no longer be limited to those under age 19. Refer to your plan document for details.
Provided through Delta Dental – accepted by 97% of Massachusetts dentists – offers in-network and out-of-network coverage. Please refer to your 2019 Benefits Open Enrollment Guide for monthly premium rates.
For 2019, members of Local 26 will move into the enhanced dental plan (now available to faculty, nonunion staff, postdoctoral fellows, and all unions except SEIU Arboretum). Learn more about the dental plan.
Provided through Davis Vision, offers coverage of exams, eyewear and contact lenses and discounts on other services. Please refer to your 2019 Benefits Open Enrollment Guide for monthly premium rates. Learn more about the vision care plan.
Flexible Spending Account (FSA)
FSAs let you save on taxes while paying for out-of-pocket medical, dental and vision care and/or dependent care expenses. With the FSA, you contribute money before taxes to pay predictable expenses and receive a debit card that makes paying easy where accepted – with no reimbursement forms to file.
FSA funds that are unspent/unclaimed by the end of the plan year are forfeited, so please estimate expenses carefully. You have until March 15, 2020 to incur expenses. The tax-savings calculator, with out-of-pocket medical cost estimator – a tool provided by our FSA administrator Benefit Strategies – can help you estimate how much to save in an FSA based on your expected out-of-pocket costs, and also show you your tax savings.
You must actively elect this benefit each year during open enrollment. Learn more about FSAs.
2019 FSA Limits:
*The Limited Purpose FSA is only for those enrolled in a HDHP; it allows participants to contribute money before taxes to pay for eligible dental and/or vision care expenses. Medical expenses may not be reimbursed from the limited purpose FSA.
- HUSPMGU and Local 26 members (only) - If you enroll or continue coverage in the one of the Harvard-sponsored HMO or POS plans for 2019, you will receive a $275 contribution to a Health Care FSA to help pay for eligible out-of-pocket medical, dental, and vision care expenses for you and your eligible dependent(s). You must elect the FSA during the Open Enrollment period in order to receive Harvard’s tax-free contribution, even if you do not wish to make your own contributions. Simply make an election of $0.
Health Savings Account (HSA)
Available to those who are enrolled in the High Deductible Health Plan (HDHP), the HSA lets you save money before taxes to pay for out-of-pocket medical expenses today – or save and invest tax-free for the future. You may enroll or change your contribution amount during Open Enrollment. Learn more about the HSA.
New for 2019: If you currently have an HSA through Harvard, your election will continue for 2019 and you will receive the Harvard contribution to this account. You may elect to change your contribution during Open Enrollment.
2019 HSA Limits:
Harvard Tax-Free Contribution to HSA:
Harvard’s 2019 contribution will appear in HSA accounts on January 5, 2019.
Supplemental Life Insurance
Supplemental Life Insurance coverage is available at 1 to 6 times your annual salary, up to a maximum benefit of $2.5 million. The 6x salary level and increased maximum benefit are both new for 2019. Please refer to your 2019 Benefits Open Enrollment Guide for premium rates. If you enroll in Supplemental Life Insurance, you and your spouse/domestic partner can access free will preparation and estate resolution/probate services as well as additional services.
Special enrollment opportunity for 2019: If you are currently enrolled in Supplemental Life Insurance, you may increase by one coverage level with no Statement of Health during the Open Enrollment period (only). See What’s New for details.
Dependent Life Insurance: If you have Supplemental Life Coverage, you may also elect dependent coverage for your spouse/domestic partner and/or dependent children.
Coverage for dependent children up to age 26 of $5,000 or $10,000 is available with no Statement of Health and one monthly payment covers all your eligible children.
Note that you must be actively at work on the date your coverage becomes effective, and your spouse/domestic partner and eligible child(ren) must not be confined to a hospital, or be at home for any medical reason or receiving or entitled to receive disability income for any medical reason on the coverage effective date.
Hyatt Legal Plan
Hyatt Legal provides a wide range of legal services for you, your spouse/domestic partner and dependents. There are no copayments or claim forms when you use an in-network attorney or use an out-of-network attorney and be reimbursed for covered services. There are some exclusions, including employment-related matters, divorce, class action and others. See Employee Discounts for more information. Please refer to your 2019 Benefits Open Enrollment Guide for premium rates.
If you would like this coverage for 2019, you must enroll during Open Enrollment – this is you only enrollment opportunity. If you elected this benefit for 2018, your coverage will continue for 2019 unless you cancel it during Open Enrollment.
Optional LTD insurance protects your financial security if you become unable to work due to illness or disability. If you elect LTD insurance during open enrollment, you must complete an Evidence of Insurability form (available in PeopleSoft.) Please refer to your 2019 Benefits Open Enrollment Guide for premium rates. Learn more.