BGSU's open enrollment for Plan Year 2009 begins on Monday, October 27 and continues until 5:00 pm on Friday, November 21, 2008.  

Any changes will become effective January 1, 2009.

We will accept the original form, faxed copy, or a scanned copy via email. Please do not email or fax, and then follow with the original in campus mail. Only send in one format.

Any and all forms that apply to you are due by 5:00pm on Friday, November 21, 2008.  

An email confirmation that the Office of Human Resources has received your form(s) will be sent within three business days of receipt of the form.

The following information explains the purpose of each form and a link to download the form in pdf format.

2009 Open Enrollment Brochure

This explains any changes that have been made to your benefit package, which includes medical, prescription, and dental coverage. Information can also be found about the Working Spouse Rule, Dependent children eligibility, vendors web sites and phone numbers, etc. 

Full-Time Student Status Form

Effective January 1, 2009, unmarried children are covered through the end of the year they obtain age 19 or through the end of the year they obtain 24 as long as they are full-time students.  You must show proof of full-time student status to continue coverage for your unmarried children beyond the end of the year they obtain age 19.  "Full-time student means a person who is enrolled and attending full time in a recognized course of study or training at one of the following educational institutions:

1) an accredited high school or vocational school; or
2) an accredited college or university; or
3) a licensed technical school, beautician school, automotive school, or similar training school."

• For those dependents after the end of the year they obtain 19, to continue coverage, validation of full-time student status will be conducted twice a year, in the spring and again in the fall. For this open enrollment, for unmarried dependents who turn ages 19 through 23 by December 31, 2008, and/or those that will turn age 24 in Plan Year 2009 must complete and return the Full-Time Student Status Form by 5:00 pm on November 21, 2008.
  
  In the event the form is not returned, the dependent(s) will be removed from coverage effective January 1, 2009. The dependent(s) will be sent information concerning the Consolidation Omnibus Budget Reconciliation Act (COBRA) on December 15, 2008.  The COBRA rate for single coverage effective January 1, 2009 will be $473.21 per month. The dependent child is eligible to carry COBRA for up to a maximum of 36 months.
  
  If you would like to assist your dependent child researching the cost of purchasing an individual policy through Medical Mutual, please visit their web site link  to build a quote.  

          Super Med One

• If your dependent child will be a part-time student at BGSU, please click on the link below regarding information on BGSU's student health insurance. If you have any questions regarding BGSU's student health insurance, please contact Student Health Services at 419-372-7496.
  
  BGSU's student health insurance information
  
  
• If your dependent will be a part-time student at another institution, please click on the link below to find out more information regarding student health insurance offered through a specific institution.  Please not that not all institutions utilize Aetna as their student health insurance carrier.
  
  Aetna student health insurance information
  
• The Ohio Department of Insurance also has a listing of insurers offering individual coverage. Click here for more information.
  

These various options noted above are being provided to assist you and your dependent child in finding a health care plan that meets his/her need.  This information is not intended to endorse one vendor/policy over another.

Primary Coverage Spouse Form

If your spouse is working full-time and his/her employer offers health care coverage to their employees and pays 70% or more of the cost, your spouse must take at least a single-coverage plan through his/her employer. You are permitted to cover your spouse under BGSU as a secondary coverage, if you choose.

In order for the rule to apply, all three conditions must be met:

1) The spouse works full time
2) The spouse's employer offers health care coverage
3) The spouse's employer covers at least 70% or more of the cost toward the health care coverage

This form must be completed during every open enrollment only if you cover your spouse as primary under the BGSU Health Care Plan. If the spouse of a BGSU employee begins to work full-time anytime during the Plan Year, or has a job change, the BGSU employee is required to notify the Office of Human Resources of the spouse's change in employment and complete a new Primary Coverage Spouse Form.

Health Care and/or Dependent  Care Reimbursement Account Form

Reimbursement Accounts, sometimes referred to as Section 125 Plans or Flexible Spending Accounts, allow reimbursement of certain expenses with tax-free dollars. BGSU offers two Reimbursement Accounts through the FlexSave Program administered by Medical Mutual Services:

1) A Health Care Account for medical, dental, prescription (and some over-the-counter drugs) and vision expenses not covered by a benefit plan
    
    Health Care Account Worksheet

2) A Dependent Care Account for work-related child care or elder care expenses.

BGSU Health Care Enrollment and Change Form

This form needs to be completed and returned if any of the following apply:

1) Making changes in coverage level such as adding a dependent or removing a dependent
2) Changing marital status
3) Changing address (this also needs to be changed by going to MyBGSU and making the change)
4) Changing spouse's employment and health care coverage status
5) Waiving coverage if you have been covered
6) Electing coverage if you had waived coverage before

Life Insurance/Long-Term Disability Form (Full-time Administrative and Faculty Staff only)

Administrative and Faculty Staff have two options to choose from for benefits that include basic life insurance and Long-Term Disability (LTD) coverage. They are:

Choice A:  Life insurance benefit is 2.5 times annual salary, up to a maximum of $150,000. The LTD benefit (eligible after one year of full-time employment) is 60% of your monthly salary not to exceed $5,000/month. This is jointly paid by you and BGSU.
Choice B: Life insurance benefit is $50,000. The LTD benefit (eligible after one year of full-time employment) is 60% of your monthly salary not to exceed $2,000/month. This is paid by BGSU.

During open enrollment, you may wish to elect the one that you are not currently in.  If you are in Choice B and wish to elect Choice A, you will be required to submit evidence of insurability (EOI). This can be completed on-line through Sun Life's web site.  You will also need to complete and return the Life Insurance/Long Term Disability Form to the Office of Human Resources.  If you are in Choice A and would like to change your coverage to Choice B, you will need to complete and return the Life Insurance/Long Term Disability Form to the Office of Human Resources.