Benefits: Active & Retiree

As part of your total compensation package, Oberlin College offers you and your family access to high-quality healthcare, a large network of doctors and hospitals, and a wide range of health programs.

Additionally, Oberlin College offers TIAA Retirement Plans, more information on these plans can be found on our Retirement Plans webpage.

Employees who are eligible to retire and who were covered under one of Oberlin College’s group health plans while in active service, may enroll to continue to participate in the health plan during retirement.

Health and Welfare Benefit Plans

Open Enrollment

Active Employee: October 6, 2025 - October 24, 2025

Retiree: October 15th - December 7th

Changes made will be effective January 1, 2026

Active Employee

2025 Open Enrollment Letter

Retiree

2025 Open Enrollment Letter - mailed to your home

Oberlin College has a passive open enrollment period, meaning if no changes are made to medical, vision, dental, and/or life and accidental death and dismemberment, the benefit you are enrolled in will continue into the next calendar year.

If you contribute to a charitable organization, Dependent Care - Flexible Spending Account (FSA-DC) or Health Savings Account (HSA) through payroll deduction, you must re-enroll for 2026.

Enrollment/Changes can be made for Medical, Dental, Vision, Flexible Spending Dependent Care Account (DCFSA), Health Savings Account (HSA), Optional Life Insurance, Optional Accidental Death & Dismemberment (AD&D), and Charitable Deductions.

Online Open Enrollment - Log in to OberView and go to Open Enrollment to make your choices online. Each time you go into your choices you must click “Complete” – even if you do not make changes. Click here to access a guide to help you.

Paper forms are available for each benefit and must be uploaded to the open enrollment submission folder for scanning and processing. Original documents are not required.

You may also bring your paperwork to the Human Resources office located in the Service Building Suite 205. Monday through Friday 8 am to 5 pm. A secure lock box is available after hours.

USPS Mail: Human Resources 173 West Lorain Street, Suite 205 Oberlin, OH 44074

Email: benefits@oberlin.edu

Phone: (440) 775-8430 Confidential Fax: (440) 775-8438

Here are some key questions that often come up during open enrollment.

If I am not making any changes, do I need to do anything? Coverage for the benefits you are enrolled in will continue into the next calendar year. This includes medical/prescription, vision, dental, optional life, optional accidental death and dismemberment.

Do I need to complete a Spousal Coordination of Benefits Form? Yes, if you have a spouse covered on your medical plan in 2025 you will be required to complete this form by the end of open enrollment. No, if you will not have a spouse covered on your health plan. Each year this form is required to verify eligibility. Failure to complete this form will result in termination of coverage. Retiree do not need to complete this form.

Do I need to re-enroll in Health Savings Account (HSA) account contributions through payroll deduction? Yes, if you would like to contribute to your HSA account, you must re-enroll each calendar year. The annual IRS maximum contribution amounts increased. You may start and stop making contributions at any time throughout the year.

Do I need to re-enroll in a Flexible Spending Account for Dependent Care (FSA-DC)? Yes, if you would like to contribute to your FSA-DC account, you must re-enroll each calendar year. The annual IRS maximum contribution amounts increased.

How can I see a copy of my benefits? In OberView go the Employee Dashboard and click on Benefits, then click Current Summary, then click on the date you want to see. The plan, premium, covered people, and coverage amount (if applicable) will be displayed.

How can I make a change? Log in to OberView and go to Open Enrollment to make your choices online. Paper forms are available for each benefit and must be uploaded to the open enrollment submission folder for scanning and processing. Original documents are not required.

Active Employee Benefits

2026 Forms

2025 Forms

Medical Mutual is our health insurance carrier. We have the option to enroll in a group Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) / Health Reimbursement Account (HRA).

A CDHP is a plan that coverage that starts to pay after a deductible is met. It is considered a consumer-directed plan as members in a CDHP have more control over the cost of their care enabling them to get more value for their health care dollar.

Our plan is paired with a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) to offset qualified health expenses.

The provider network is called SuperMed PPO. For providers outside of Ohio, you will use the Cigna PPO network. To search for a medical facility, physician or specialty physician, search the provider network.

Get Your ID Card on Your Phone. With the mobile app, you always have your ID card with you. View the front and back of your card and call any of the phone numbers listed with just a tap. You can also email and fax your card to your provider. Download the mobile app!

Request a New Card if Your Information Changes: If you need to update any personal information on your ID card, a Customer Care specialist will be happy to help you.

Lost or Misplaced Your Card? You can request a new ID card if you have lost or misplaced it. Just submit your order below. You’ll receive your new card(s) within 5 to 7 business days.

Medical Mutual Advocacy Program

Need Help with Your Health Plan? Call or schedule an appointment with your personal Health Advocate to make healthcare easier!

Find in-network doctors & schedule appointments
Get help with pre-authorizations & billing questions
Connect with nurse case managers, social workers, or pharmacists
Learn about community resources like transportation to appointments

Call 1-888-636-3622 Hours (ET): Mon–Thu: 7:30 a.m.–7:30 p.m. Fri: 7:30 a.m.–6:00 p.m. Sat: 9:00 a.m.–1:00 p.m.

Meet Your Advocate Virtually Schedule a one-on-one appointment with a Medical Mutual expert. Available Mondays & Tuesdays, 8:00 a.m.–4:30 p.m. [Schedule here]

My Health Plan is the quick, easy and secure way to take care of all your health plan needs, 24/7.

Visit My Health Plan to see real-time account information, like deductible, coinsurance and maximum out-of-pocket accumulations. Estimate costs for many healthcare services and procedures. Access money-saving discounts or enroll in programs and services, such as WeightWatchers® and QuitLine, our tobacco cessation program. Manage your communication preferences, opt in for text messaging and go paperless for other options.

If you have a spouse on your plan a Spousal Coordination of Benefits Form must be completed.

2026 Health Plan Highlights

2025 Health Plan Highlights

CDHP with HSA	Summary of Benefits and Coverage	Summary Plan Description
Single	CDHP with HSA Single SBC	CDHP with HSA - SPD
Employee + Spouse	CDHP with HSA Employee + Spouse SBC	CDHP with HSA - SPD
Employee + 1 Child (or) Employee + Children	CDHP with HSA Employee + Child (ren) SBC	CDHP with HSA - SPD
Family	CDHP with HSA Family SBC	CDHP with HSA - SPD

NOTE: If you are not qualified for an HSA, your plan will be paired with an employer-funded Health Reimbursement Arrangement (HRA) instead of an HSA.

CDHP with a HRA	Summary of Benefits and Coverage	Summary Plan Description
Single	CDHP with HRA Single SBC	CDHP with HRA - SPD
Employee + Spouse	CDHP with HRA Employee + Spouse SBC	CDHP with HRA SPD
Employee + 1 Child (or) Employee + Children	CDHP with HRA Employee + Child (ren) SBC	CDHP with HRA - SPD
Family	CDHP with HRA Family SBC	CDHP with HRA - SPD

Additional Information and Resources

To be eligible for an HSA, the IRS requires that you not be enrolled in secondary insurance (such as through your spouse) that provides first-dollar coverage such as a traditional PPO. You also cannot be enrolled in Medicare or be claimed as a dependent on someone else’s tax return and make or receive contributions into an HSA account.

If you are not qualified to make or receive contributions into an HSA, you may still sign up for the College’s CDHP medical plan; however, it will be paired with an employer-funded Health Reimbursement Arrangement (HRA) instead of an HSA.

An HRA is an employer-funded group health plan from which employees are reimbursed tax-free for qualified expenses. The College will contribute the same annual funding amounts into HRA accounts. Unused HRA funds will roll over into subsequent years. NOTE: HRAs can only be funded by employers and you will not be taxed on the contributions. Also, employers are not permitted to cash out the balance to employees when they leave employment including retirement.

Employees who have the HSA, also have the option to fund your account with pre-tax dollars through payroll deduction. If HSA dollars remain at year-end, they roll over for you to use in the future. The HSA account is owned by you and is also portable; you take it with you if you leave the plan or the college.

Oberlin College will fund 50% of the in-network deductible into your HSA/HRA amount in January. These dollars can be used to cover eligible expenses.

Medical Mutual's self service line is available 24/7, 365 days a year. Call and you will be prompted to enter your debit card number or social security number.

HSA: 1.800.522.2037
HRA: 1.800.384.0859
Email: MySpendingAccounts@MedMutual.com

2026 HSA Information

2025 HSA Information

Additional Resources

CVS Caremark® administers the college’s prescription drug benefits.

With CVS Caremark®, you have access to affordable medication and convenient options for filling prescriptions. Register for an account to explore your savings options.

Get to know CVS Caremark digital tools

Everything you need is always available online. Access your plan online anytime to find pharmacies in your network and search for the lowest price. To get started:

Register for an online account
Read your plan summary
Use the Check Drug Cost & Coverage tool below to find the cost of your medication
Set your communication preferences so we can reach you with important messages

List of Medications

Formulary changes happen from time to time when drugs are: recalled from the market; replaced by a new generic drug; or, Clinical restrictions are added, including, but not limited to, prior authorization, quantity limits or step therapy.

2025

2025 updates to Specialty Medications (updated 07/01/2025)
2025 Advanced Control Formulary (updated 07/01/2025)
CVS Caremark No - Cost Preventive Service
Preventive Drug List - Generic and Name Brand Drugs (7/2024)

Caremark Cost Saver provides automatic access to GoodRx's prescription pricing that allows lower prices, when available, on generic medications. When you visit the pharmacy to collect a prescription, you only need to present your ID card to your preferred in-network pharmacy. The amount paid will automatically be applied to the deductible and out-of-pocket thresholds. No action is required by you.

Do you want to see the cost of your prescription under the CDHP plan before you meet your deductible, and price lower cost options?

The Drug Price Comparison Tool links below will help. The default pharmacy will be CVS. There is an option for you to change the pharmacy. If the prescription is a maintenance medication, it will show the 90 day option.

PRE - Deductible - To estimate the cost under the CDHP plan before you meet your deductible.
POST- Deductible - To estimate the cost under the CDHP plan before after you have met your deductible.

Additional Information

Superior Dental Care (SDC) administers our dental insurance.

SDC’s network offers over half a million access points throughout the United States! Find a Participating Dentist

Go online to Superior Direct Connect or download the mobile app, which is available through the Apple App Store or Google Play Store. You will have the ability to securely access plan information, view claims, print ID cards, and more.

Dental ID Card

If you enroll in a new dental option, or change your plan you will receive a new ID card.
If no changes are made, you may continue the same ID card.

Summary of Benefits and Coverage and Rates (all options)

Evidence of Coverage

For specific plan coverage, select one of the following:

Medical Mutual partners with EyeMed Vision Care, one of the largest optical retailers of eyewear products and optometry services in the U.S., to give you comprehensive vision coverage at the right price and with less hassle.

EyeMed offers eye exams, eyeglass lenses and frames, and contact lens benefits through an expansive network of providers.

Accessing your vision benefits is easy — simply visit one of the many participating network optical providers and show your health plan identification card. The provider will verify your eligibility, plan benefits and any fees that apply. There are:

No prior authorizations or referrals needed
No claim forms to fill out
No waiting for reimbursement

And if you exhaust your regular benefit, you can still get savings on vision services through discount arrangements.

For help finding an EyeMed Vision Care provider, click on our Provider Search tool and select the Vision provider type or visit EyeMedVisionCare.com.

The provider network is called Access.

Unum administers our Optional Life and Optional Accidental Death & Dismemberment benefits.

GREAT News! A special True Open Enrollment period is being offered. We are excited to share a special opportunity for you and your family. During open enrollment you can sign up for Optional Life and Accidental Death & Dismemberment (AD&D) coverage – no medical exam required - with coverage effective January 1, 2026.

What does this mean? You can enroll yourself and eligible dependents, even if you have never enrolled before! No health questions or past enrollment decisions will stop you this time. You can increase your coverage amount up to the guaranteed issue amount. This is your chance to add extra protection and peace of mind for you and your loved ones.

Take a moment to learn how this benefit can protect your finances when you need it most, by clicking here.

If you elect or increase your amount over the guarantee issue amount, you will need to Sign in to complete your Statement of Health (Evidence of Insurability) online with Unum. Access Code: SUHYWHB

Before you start, review the Statement of Health Checklist so you have necessary information to complete this process. Questions regarding the status of your application? Call Unum: (800) 421-0344; from 8 a.m. to 8 p.m., Monday through Friday

The effective date of coverage for the amount over the guarantee issue amount is determined when you are approved by Unum.

Here are four reasons why you should update your beneficiaries:

Your Heirs Can Change. Legal relationships can change over time.
Beneficiary Designations Supersede Legal Will.
Simplify Probate Processes.
Ensure Financial Security for Loved Ones.

Life Insurance Beneficiary Form

WageWorks administers our Dependent Care Flexible Spending Account (FSA-DC) - an employer-sponsored benefit that allows you to use pre-tax dollars for qualifying expense.

Dependent Care FSA (for children under the age of 13 or for elderly dependents who reside with you) reimburses the participant for eligible dependent care expenses such as day care, preschool, before/after school care programs, summer camps, and Nanny expenses attributed to dependent care.

Starting in 2026, the annual limit will increase to $7,500 for families ($3,750 for those married filing separately). This change marks the first major increase to this benefit since its inception in 1986.

All 2025 FSA-DC accounts will terminate on December 31, 2025. If you have money left in your Dependent Care FSA account at the end of the year, you will have until March 31, 2026, to get reimbursed for expenses incurred up through December 31, 2025. If no action is taken by March 31, 2026, amounts will be forfeited.

Maximize Your Impact by Making a Gift to Oberlin.

Oberlin College is committed to supporting and investing in the local community. Employees have the option to donate through payroll deduction.

If you are enrolled in this benefit and you want to continue donating through payroll deduction, you must re-enroll each calendar year.

Enroll online or complete our Charitable Donation Form.

Our charities are:

Diversity Center of NEO
Oberlin Community Services
Oberlin College Gift
Oberlin Early Childhood Center
Northern Ohio Youth Orchestra
Youth Opportunities Unlimited
United Way of Lorain County

All employees and retirees are responsible for notifying HR of any changes in personal status that change benefits enrollment or contact information on a timely basis.

Relevant changes in status include:

Name Change
Address and/or Phone Number
Change in Marital Status (history of dependents cannot be deleted)
Emergency Contact Information
Change in Life Insurance Beneficiary
Change in Dependents (history of dependents cannot be deleted)
Change in Tax Withholding

You will be limited to updating only specific information, including your preferred name, gender identity, personal pronouns, personal phone number(s), personal mailing address (es), and emergency contact(s). Other information, including legal name, will be displayed without update capability.

Online updates will reduce the need to fill out a form and will also allow for more consistent collection of cell phone numbers which may be used for health safety survey text messages. Please note, it is still your responsibility to submit a complete Ohio IT-4 form to HR when changing your address. This will ensure your school district tax is accurately updated.

To log in, launch the My Self Service Profile task in OberView and click the Start button in the upper right. We encourage you to log in to review your personal information and enter an up-to-date cell phone number. Entering a cell phone number does not automatically opt you in to receive text messages, but makes it possible for you to opt in for text message reminders when they become available and for the college to send you text messages if necessary.

Mercy Allen Hospital in Oberlin has exclusively reserved appointment slots for our active employees to schedule a mammogram screening and is committed to having a minimal wait time.

If you cannot attend one of these appointments, you may make your own appointment at a location and time convenient for you. An order from a physician must be obtained before a mammogram can be performed.

Your Medical Mutual health insurance through Oberlin College will cover a 3D mammogram, so every mammogram will be 3D unless you specify you want a 2D.

If you do not have health insurance through the College, please check with your insurance provider to see which option they cover and if Mercy Hospital is in your network.

Please request an order from your physician so you will be well prepared in advance.

You cannot receive a mammogram without a physician's order (a self-referral may be accepted if a physician's order cannot be obtained).
The order does not need to specify 2D or 3D.

To schedule an appointment, click here. Once scheduled, submit the required documentation to this secure submission link.

You will need:

A physician's order
A copy of your ID
A copy of your insurance card
Patient Information Sheet
Mammography Scheduling Questionnaire
An appointment

The scheduled days are:

Tuesday 10/21,
Wednesday 10/22, and
Thursday 10/23

Appointments are as follows

10/22 Morning: 8:00, 8:30, 9:00, 9:30, 10:00, 11:00
10/22 Afternoon: 1:00, 1:30, 2:00, 2:30, 3:00
10/23 Morning: 8:00, 8:30, 9:30, 10:00, 11:30
10/23 Afternoon: 1:00, 2:30, 3:00
10/24 Morning: 8:00, 8:30, 9:00, 9:30, 10:00
10/24 Afternoon: 1:00, 1:30, 2:00, 2:30, 3:00

Retiree Benefits

Forms

Faculty and staff members who are in active employment and are at least age 52 with a minimum of 10 years of service, are eligible to retire from the college.

Beginning January 1, 2026, newly hired Faculty and Staff will have new eligibility for retirement benefits: (1) 55 years of age; (2) a minimum of 15 years of service, and; (3) a minimum combined years of age and service of 75.

You may use this Retirement Booklet if you are planning to retire from the college. To begin the retirement process, you must send a written notification of your retirement to your manager/Dean, and submit your Intent to Retire via OberView. Once Human Resources receives your intent to retire, a Retirement Packet will be prepared for you.

Medical and Prescription Insurance

Medical Mutual Logo

Retirees under 65 will be enrolled in the Consumer Driven Health Plan with a Health Reimbursement Account (HRA)
Retirees aged 65 and over will be enrolled in the Medical Mutual Medicare Advantage Plan with Express Scripts (prescription coverage).
Retirees under 65 whose spouse or Domestic Partner is aged 65 and over, and participates in our health plan, will also be enrolled in the Medical Mutual of Ohio Retiree Comp Plan.

Vision and Dental Insurance

To continue or elect coverage in the Vision and/or Dental plans, you must indicate your choice at the time of retirement.

MedMutual Medicare Advantage Plan Participants - age 65 or older, and enrolled in Medicare Part A and Medicare Part B

Click here, to access important information, including resources for how to find a provider, the appeals process and much more. Oberlin College group number is required: 590467

Where to get care in and out of Ohio

In-network, full-benefit coverage for services incurred anywhere in the US or US territories.
Must use providers that accept Medicare.
No travel restrictions.
Providers that accept Medicare or MedMutual Advantage plans can be found using search tools.
https://www.medicare.gov/
https://providersearch.medmutual.com/

Questions? We encourage you to contact MedMutual Customer Care Center at 1-800-801-4823 (TTY: 711 for hearing impaired). Written correspondence may be mailed to: Medical Mutual Medicare P.O. Box 94563 Cleveland, OH 44101 or Fax: 1-216-687-7885

For more information about Medicare, contact Medicare directly at 1-800-MEDICARE (TTY: 1-877-486-2048 for hearing impaired), 24 hours a day, seven days a week. You can also visit Medicare.gov.

Medicare Supplement transition COMP plan - 2026 Summary of Benefits (SBC)

Medicare Supplement transition COMP plan - 2025 Summary of Benefits (SBC)

COMP Plan - Summary Plan Description

CDHP Plan with HRA - less than age 65.	Summary of Benefits and Coverage	Summary Plan Description
Single	CDHP with HRA Single SBC	CDHP with HRA - SPD
Retiree + Spouse	CDHP with HRA Retiree + Spouse SBC	CDHP with HRA - SPD
Retiree + 1 Child (or) Retiree +Children	CDHP with HRA Retiree + Child (ren) SBC	CDHP with HRA - SPD
Family	CDHP with HRA Family SBC	CDHP with HRA - SPD

Benefits coverage for you and your eligible dependents in effect at the time of retirement can continue. Covered dependent children remain on your benefits until they no longer meet eligibility requirements, usually the end of the month in which they turn 26 for health, vision and dental insurance. Note: A retiree cannot add a dependent during retirement.

Group Life and Accidental Death

Long Term Care & Plans Ending Upon Retirement

Retirees Who Move or Change Address

Additional Retiree Benefits

Oberlin College Department of Human Resources

173 West Lorain St.
Oberlin, OH 44074
440-775-8430

Email: Benefits@oberlin.edu

Social Security Administration