2021 Open Enrollment has now closed.

Open Enrollment Podcast

Open Enrollment  Video

VBAS

Vbas  Guide

BENEFIT COUNSELING 

American Fidelity

INFORMATION

Medical: Active Employees
and pre-65 Retirees

Medical:  Medicare Retirees

Dental

Vision

Life

TOOLS

Videos on Demand

Vbas

Vbas Guide

Enrollment and Change Forms

​Plan Cost Estimator

​Plan Cost Estimator ​(Double-BSSP Coverage)

FAQ's

WHat happens if i change my medical plan?​

If you change your medical plan, the amount accumulated towards your benefit limits or maximums as of September 30 may carry over to your new benefit effective October 1.

When you move from a non-HSA plan to another non-HSA plan (i.e. 80% M $40 to 80% J $30) OR an HSA plan to another HSA plan (i.e. MEC HSA to HSA B)...
The amounts accumulated toward your medical and prescription deductibles and out of pocket maximums through September 30 WILL be applied to your elected benefit as of October 1.

When you move from an HSA plan to a non-HSA plan (i.e. MEC HSA to 80% J $30)...
The amount accumulated toward your deductible and out-of-pocket maximums for medical claims incurred through September 30 WILL be applied to your elected benefit as of October 1.  Prescription claims are not eligible to transfer. Depending on your accumulator totals, you may or may not have any additional deductible and/or out-of-pocket amount to meet as of October 1. Your limits will reset on January 1 when the annual plan limit cycle begins.

When you move from a non-HSA plan to an HSA plan (i.e. 80% J $30 to MEC HSA)...
The amounts accumulated toward your deductible and out-of-pocket maximums through September 30 WILL NOT be applied to your elected benefit as of October 1, in accordance with IRS regulations.  Your HSA plan deductible and out-of-pocket limits will reset to $0 on October 1 and again on January 1 when the annual plan limit cycle begins.

Will i receive a new id card?

If  you elect a new medical plan at Open Enrollment, yes, you will receive a new Member ID Card. If you choose to stay with the plan you are currently enrolled in, you will not receive a new Member ID Card. If you need a replacement card or cards for dependent children, please call Member Services at 800-564-7475.

What are the plan limit cycles?

• Medical plan limits accumulate on a calendar year basis, from January 1 through December 31.  *Non-HSA plans carryover amounts applied to the deductible only between October 1 and December 31 to the following calendar year’s deductible.
• Dental plan benefit maximums accumulate on a calendar year basis, from January 1 to December 31.  Orthodontia benefits are a lifetime maximum.
• Vision benefits are available 12- or 24-months from the last date of the same service.