Open Enrollment Resources

Benefits information can be overwhelming. We have developed materials to help you understand this information so you can make the best benefit choices for you and your family.

Medical Plan options

Are you needing a detailed explanation of how each of the three medical plans work? Watch and listen to this recorded presentation.

Take a look at a written side-by-side comparison and information on how each of the medical plans covers prescription medications.

Are you eligible for or enrolled in Medicare, TriCare or another group health plan? If so, please read this important information on how that other enrollment impacts your medical plan choices.

Health Savings Account

If you are enrolled in one of the HSA Medical Plans, CentraCare will make a bi-weekly contribution into the Health Savings Account on your behalf. You may also choose to make pre-tax contributions into your Health Savings Account, up to the maximum established by the IRS.

If you wish to contribute to your Health Savings Account in 2024, you must elect to do so. Any current election in 2023 does not carry forward into 2024. Please click here for details.

If you newly elect a Health Savings Account Plan for 2024, after open enrollment ends you will need to open and activate your HSA by logging into your Fidelity account. Your HSA must be opened and activated in order to receive funding.

You have 90 days to complete this. If not completed in 90 days, any funding will be returned. If you later open and activate your HSA you must notify the benefits department via a MyPortal case, after which the employer funding will begin from that date forward.

Watch for emails from Fidelity starting around mid-December with instructions on how to open and activate your HSA — don’t lose out on employer contributions!

Dental Plan

Employees have been asking for orthodontia coverage, and we now are able to offer an enhanced dental plan for 2024 that includes adult and child orthodontia, and a higher annual benefit maximum. Please click here for plan design summaries and 2024 premium rates.

Vision Plan

Did you know that you have great options for discounts on eyeglasses, contacts, and laser eye surgery without having to purchase vision insurance?

Click here for information on those discounts and how to access them!

Flexible Spending Accounts (FSAs)

CentraCare offers a Medical FSA, a Limited FSA, and a Dependent Care FSA. Read here for more information on each of these accounts, including what your maximum election can be. FSA elections do not carry over from year-to-year, so if you want to be enrolled in 2024, you must make the election during Open Enrollment.

Supplemental Life Insurance

Supplemental Life insurance is available for purchase on yourself, your spouse and your children (under age 26).

Yourself: You may now purchase up to six times your annual salary in voluntary supplemental life insurance on yourself, to a maximum of $1,000,000! If you are at the old maximum of four times your salary, consider whether to increase your coverage. Remember, Open Enrollment is your opportunity to increase your plan by one level without medical authorization!

Your Spouse: You may continue to purchase 50% of what you’ve purchased on yourself, up to a maximum of $250,000.

Your Child/ren: We are offering a second level of Child Supplemental Life Insurance beginning in 2024! Your two options are now:

  • A $10,000 policy covering all of your children (up to age 26) for a flat monthly rate of $2.26.
  • A $20,000 policy covering all of your children (up to age 26) for a flat monthly rate of $4.52.

More details can be found by clicking here.

Supplemental Accidental Death & Dismemberment Insurance

Supplemental Accidental Death & Dismemberment insurance is available for purchase on yourself, your spouse and your children (under age 26). You may now purchase Accidental Death & Dismemberment (AD&D) Insurance. What is Accidental Death & Dismemberment Insurance, you ask?

  • AD&D pays a benefit if a covered accident results in your death. Benefits may also be payable if you are severely injured and experience a physical loss, such as a hand, foot, or your eyesight, which could make it difficult or impossible to remain working.

Supplemental AD&D coverage is available for:

  • You: 1x to 6x your annual salary, up to $1M
  • Your Spouse: 50% of what you purchase on yourself, up to a maximum of $250,000
  • Your Child(ren): either a $10,0000 or a $20,000 policy

The cost of Supplemental AD&D Insurance is $0.028 per $1,000 of coverage.

To enroll in Spouse or Child AD&D, you would need to be enrolled in Supplemental AD&D coverage for yourself first. Click here to learn more.

Legal Plan

The Legal Plan, offered through MetLife Legal Plans, provides you, your spouse and your dependent children with telephone and office consultations for an unlimited number of legal matters with the MetLaw attorney of your choice.

Before enrolling, it is recommended to check for in-network attorneys in your area by calling 800-821-6400 or visiting their website and entering password 1500688. The plan costs $7.27 per pay period. You may only enroll or drop coverage during open enrollment. Mid-year enrollments or cancellations are not allowed.

View additional details on MetLife legal services here.

How do I enroll?

Between Nov. 17 and Dec. 1, go to Oracle, then click on Me, Journeys, Open Enrollment 2024.

*If you do experience a mid-year qualify life event (such as a marriage, divorce, birth/adoption of a child, or loss of other coverage), you may make a mid-year election change in Oracle within 30 days of the qualifying life event and providing supporting documentation of the event.