MUSC.edu

MUSC A to Z

As a new hire you will select benefits and can change benfits within 31 days of your hire date:
-Change health insurance carrier
-Add/drop Health or Dental coverage for yourself or dependents
-Add/drop Optional/Dependent Life, Supplemental Long Term Disability, or Long Term Care
-Enroll/cancel Flexible Spending Accounts or the Pre-Tax Premium feature

Enrollment Periods occur every year from October 1st through October 31st.  Employees may make changes to their insurance benefits based on the type of enrollment period.  All changes and any applicable premium changes are effective January 1st of the following year.  Annual Enrollment changes are allowed every year, while Open Enrollment changes are permitted in October of the odd-numbered years only.

Annual Enrollment	Open Enrollment
Change health plans (ie: CIGNA to Standard)	Change health plans (ie: CIGNA to Standard)
Enroll/Re-enroll in Medical Spending, Dependent Care or Health Savings Accounts	Enroll/Re-enroll in Medical Spending, Dependent Care or Health Savings Accounts
Any Special Changes Allowed by Insurance Carriers	Any Special Changes Allowed by Insurance Carriers
*If enrolled in pretax feature, add/drop/increase/decrease optional life	*If enrolled in pre-tax feature, add/drop/increase/decrease optional life
	Add/Drop dependents from Health or Dental
	Add/Drop Dental Plus

When you experience a life event, you may make changes within 31 days of the event:
-Marriage
-Separation/Divorce
-Birth/Adoption/Death
-Employment/Insurance Change of Dependents
-Dependency Change of Children-children may be covered until age 19, or until age 25 if they are a full-time student; unless the child gains other coverage or marries

Throughout the year, employees can:
-change HMO physician
-drop dependent life, long term disability, and/or long term care
-add/increase dependent life insurance, long term disability and long term care with medical evidence of good health
-change beneficiaries