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Health Reform Changes
Flexible Spending Account Benefit Changes
Health Savings Account Maximum Changes

Welcome to USI's Benefits Website!

Open Enrollment for 2016 is now closed.  Deadline was November 11, 2015, for changes effective January 1, 2016.  Please contact a benefits staff member if you have any questions.

Looking for our current 2015 medical plans? Click here for the Comparison Overview. You can find further details on each plan by visiting: Anthem Buy-Up, Anthem Core, and Anthem Lumenos CDHP/HSA.

For information on USI's other benefits, see the links on the left.

Health Reform Changes

Since 2011, all University Health Plans incorporated required and voluntary Health Reform changes including: (1) coverage for enrollees’ children to age 26, even if the young adult no longer lives with his or her parents, is not a dependent on a parent’s tax return, or is no longer a student, or is married; (2) no pre-existing condition exclusions for children under age 19; (3) no lifetime maximum benefit; (4) 100% coverage for preventative care for federally designated services.

Effective January 1, 2013, the University amended its Flexible Benefit Plan (under Section 125) that allows for flexible spending accounts for health expenses to lower the maximum annual contribution to $2,500, as required by the Affordable Care Act. Also in 2013, the University’s medical plan information for each Anthem plan is provided in the new format required by the Affordable Care Act. Called the Summary of Benefit Coverage (SBC), this common format will be especially helpful to those who compare medical coverage options between two spouse’s employers.

In 2014, the University's medical plans no longer have a pre-existing condition exclusion as required by the Affordable Care Act.

Flexible Spending Account Benefit Change

Effective January 1, 2015, the maximum annual contribution to a Flexible Spending Account for health expenses is $2,550. Flexible Spending Accounts for dependent care expenses have an annual maximum of $5,000.

Since January 1, 2011, the cost of over-the-counter medicines are not reimbursable through your Flexible Spending Account for medical expenses unless the medicine is prescribed by a physician. Some exceptions, like insulin, apply.

Changes to Health Savings Account Maximums

Effective in 2015, per IRS guidelines, Health Savings Account maximums increase to $3,350 for individuals and $6,650 for family coverage.  


Open Enrollment Dates

TIAA-CREF Representative

Lori Matthews of TIAA-CREF will hold individual appointments in the HR Training Room on the below dates. To schedule an appointment, contact 800/732-8353. 

2015-2016 Dates

  • Dec 9
  • Dec 10
  • Jan 13 & 14
  • Feb 23
  • Mar 23 & 24
  • April 19
  • May 25 & 26
  • June 21
  • Jul 20 & 21
  • Aug 23
  • Sept 21 & 22
  • Oct 18
  • Nov 16 & 17
  • Dec 6