Note: This is a printed version of https://isc.uw.edu/your-benefits/limited-open-enrollment-july-2020. Please visit this page on the ISC website to ensure you're referencing the most current information.
Limited Open Enrollment – July 2020
In recognition of how the current COVID-19 public health crisis has impacted the needs of many employees and their families, between July 1-31, PEBB benefits-eligible employees have a rare, one-time opportunity to make certain mid-year changes to their current medical, Flexible Spending Arrangement (FSA) and/or Dependent Care Assistance Program (DCAP) plans.
On This Page:
Understand the Changes You Can Make
During this Limited Open Enrollment, the following changes can be made:
- Medical Plans:
- If you previously waived medical insurance, you can newly enroll yourself and your dependents in a medical plan – this includes enrolling dependents and/or enrolling in a Health Savings Account (HSA) if you select a Consumer Directed Health Plan (CDHP), or
- If you are currently enrolled in medical insurance, you can add dependents to your medical plan
- Flexible Spending Arrangements (FSAs):
- You can newly enroll in an FSA for the remainder of the year, or
- If you are currently enrolled in a FSA, you can increase or decrease* your FSA contributions
- Note: You cannot enroll in an FSA if you select or are enrolled in a Consumer Directed Health Plan (CDHP)
- Dependent Care Assistance Program (DCAP):
- You can newly enroll in the DCAP for the remainder of the year, or
- If you are currently enrolled in the DCAP, you can increase or decrease* your current DCAP contributions – without having to submit proof of a change in childcare costs
*Please note that FSA and DCAP contributions can only be lowered to the amount you have already contributed or claimed for the year.
During this Limited Open Enrollment, employees cannot:
- Change or waive their current medical plan
- Change their dental plan or add dependents to their dental plan
- Remove dependents from their medical or dental plan
Answers to Your Most Common Questions
No. If you are happy with your current elections, you do not need to take any action at this time. Your current benefit elections will remain the same unless you submit changes in Workday.
To quickly review your current insurance coverage, simply log into Workday using the “Sign in to Workday” at the top of this page, select the Benefits worklet, then under View, select the Benefits Elections button.
You can also always review your year-to-date contribution or premium amounts on your UW payslip: after logging into Workday, select the Pay worklet, then under View, select Payslips.
⇒ If you are newly enrolling in either an FSA or the DCAP during the July 2020 Limited Open Enrollment…
New FSA and DCAP elections go into effect on August 1, 2020; you can then use your new accounts for expenses incurred from that date forward. Mid-year enrollments in an FSA and/or the DCAP, therefore, cannot be used for expenses incurred before August 1, 2020.
⇒ If you are already enrolled in an FSA and/or the DCAP and take this Limited Open Enrollment opportunity to increase your contribution amounts…
Because you are effectively increasing your FSA and/or DCAP balance(s) for the year, you can apply the “new” funds in your FSA or DCAP account for expenses incurred earlier in the year.
Please note that, if you were enrolled in a Medical FSA for the 2019 plan year (that is, last year), the HCA has provided extra time to incur services and submit claims for reimbursement as part of their response to the COVID-19 pandemic; these deadlines have been extended to August 31, 2020.
The definition of who qualifies as a dependent is set by Washington State’s Health Care Authority (HCA). Please carefully review the HCA’s How to Determine Eligibility page for a complete list of qualified dependents, which includes information about how children are defined as well as who qualifies as an eligible extended dependent. Please note that parents are not considered eligible dependents.
Prepare in Advance
To help ensure a smooth enrollment experience, please take a few moments prior to July 1 to:
1. Verify Your Home Address in Workday
Did you know? Your medical plan options are determined by your home address. The country and/or zip code in which you live influence whether you can be covered by Kaiser/Group Health versus UMP Plus – Puget Sound High Value Network, or another plan altogether. So, before enrolling or making any changes during this Limited Open Enrollment opportunity, take a moment to log into Workday and double-check that everything looks okay. Refer to the Home/Mailing Address section of the Managing Your Personal and Work Information page for step-by-step guidance.
2. Prepare Your Dependent Verification Documents
If you’ll be adding any dependents – including a child, spouse or State Registered Domestic Partner (SRDP) – to your medical coverage, state law requires you attach valid dependent verification documentation in Workday. Take a moment to review the list of what qualifies as valid dependent verification, scan the documents you plan to use, then save them to a secure computer before beginning to make your Limited Open Enrollment selections.
3. Learn About Your Benefit Options
- Visit the Health Care Authority’s (HCA’s) Limited Open Enrollment page: Find a broad overview of what options are available during this special enrollment opportunity.
- Compare Health Plan Options and Providers: Review plan costs, compare networks and coverage, and learn about Health Savings Accounts (HSAs). You can also reach out directly to insurance providers ahead of time if you still have questions about whether a plan is right for you or your family.
- Learn About Flexible Spending Arrangements (FSAs): Explore how an FSA can help you pay for medical costs, as well as reduce your taxes.
- Learn About the Dependent Care Assistance Program (DCAP): Explore how the DCAP helps you pay for childcare and elder care, as well as reduce your taxes.
How to Make Changes
To participate in this Limited Open Enrollment opportunity, you’ll submit your changes in Workday. To get started, select the appropriate step-by-step User Guide below:
After Submitting Your Limited Open Enrollment Changes in Workday…
After you follow the above User Guide(s) to submit your Limited Open Enrollment changes in Workday:
- At 11:59 pm on July 31, Workday will accept the most recent changes you have submitted. July 31 is a hard deadline and the HCA cannot provide exceptions or grace periods.
- Once the deadline arrives, any unsubmitted selections in Workday will be deleted, and coverage will not be processed if any required supporting documentation is missing (you may end up with a partial enrollment).
- Your next opportunity to make health plan changes will be during Open Enrollment in November 2020, or within 60 days of a qualifying Life Event.
- If you realize there is a need to modify the Limited Open Enrollment selections you’ve submitted in Workday, contact the ISC as far in advance of the July 31 deadline as possible.