Department of Human Resources

Open Enrollment

Active Employee: October 7th - October 25th 
Retiree: October 15th - December 7th

Changes made will be effective January 1, 2025

 

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 2025.

Enrollment/Changes are available for Medical, Dental, Vision, Flexible Spending Dependent Care Account (DCFSA), Health Savings Account (HSA), Life Insurance, 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

Active Employee 

Retiree 

2025 Forms

 

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 limits did not change.

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.               

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

    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 plan - Medical Mutual COMP

    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

     

     

     

    Medical Mutual

    Medical Mutual will remain our health insurance carrier and we will continue to have the option to enroll in a group Consumer Driven Health Plan (CDHP) with Health Savings Account/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 is a resource that can help you make the most of your health plan. This program gives you access to a designated team of experts to guide you through your healthcare journey. This team is familiar with the Oberlin College plan and can connect you with vital resources when you need extra support. They will serve as a single point of contact for you.  

    Call 1-888-636-3622 Medical Mutual Health Advocates are available Monday through Thursday from 7:30 a.m. to 7:30 p.m. (ET), Friday from 7:30 a.m. to 6 p.m. (ET), and Saturday from 9 a.m. to 1 p.m. (ET). 

    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 and submitted to HR by 10/25/24

    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

    CVS Caremark® will continue to administer 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 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

    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) will continue to administer 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:

    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 willbe 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 2025. 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.

    2025 HSA Information
    Additional Resources

    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 will continue to administer our Optional Life and Accidental Death & Dismemberment benefits. 

    There are no changes to the plan options, or rates in 2025.

    All benefit-eligible employees will have the opportunity to enroll in valuable coverage, with benefits beginning on January 1, 2025. Read more, by clicking here to see how this can help protect you, your family, and your finances. 

    If you currently have coverage and would like to make changes you may go online or complete the Optional Life/AD&D form below.

    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.

    Have questions regarding your status of your pending application? Unum can help. Call: (800) 421-0344; hours are 8 a.m. to 8 p.m., Monday through Friday

    The effective date of coverage for all amounts over the guarantee issue amount is determined when you are approved. All amounts up to the guarantee issue about will begin January 1, 2025.

    Here are four reasons why you should update your beneficiaries:

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

    Life Insurance Beneficiary Form 

     

    WageWorks will continue to administer our Dependent Care Flexible Spending Account (FSA-DC) 

    All 2024 FSA-DC accounts will terminate on December 31, 2024. If you have money left in your Dependent Care FSA account at the end of the year, you will have until March 31, 2025, to get reimbursed for expenses incurred up through December 31, 2024. If no action is taken by March 31, 2025, amounts will be forfeited.

    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.

     

    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 2025 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.

    HIPAA Privacy Practices - This notice describes how medical information about you may be used and disclosed.

    HIPAA Special Enrollment Rights - This notice provides information about your rights and protections as participants in group health plans. 

    Summary Annual Reports - This gives notice of the annual report summarizing each benefit plan subject to ERISA.

    Women's Health and Cancer Rights Act - This notice describes your rights after a mastectomy.

    Creditable Coverage Disclosure Notice - This notice is about your prescription drug coverage and Medicare.

    USERRA - This notice describes your rights under The Uniformed Services Employment and Reemployment Rights Act.

    Drug-Free Workplace Act - This notice informs you about the college policy to maintain a drug-free workplace.

     

    Mercy Allen Hospital in Oberlin has exclusively reserved appointment slots for our 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 mamogram 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. 
    • 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:

    The scheduled days are: 

    • Tuesday 10/22,
    • Wednesday 10/23, and
    • Thursday 10/24

    Appointments are as follows 

    • 10/22 Morning: 8:00, 8:15, 8:30, 8:45, 9:00, 9:30, 9:45, 10:00,  11:00
    • 10/22 Afternoon: 1:00, 1:15, 1:30, 1:45, 2:00, 2:15, 2:30, 3:00
    • 10/23 Morning: 8:00, 8:15, 8:30, 8:45, 9:30, 9:45, 10:00,  11:00
    • 10/23 Afternoon: 1:00, 1:30, 2:00, 2:30, 3:00
    • 10/24 Morning: 8:00, 8:15, 8:30, 8:45, 9:00, 9:30, 9:45, 10:00,  11:00
    • 10/24 Afternoon: 2:00, 2:15, 2:30, 3:00