Open Enrollment for 2027

Before you enroll

Review all the information on the HR Benefits webpage. These webpages are available to assist you with comparing plans and review relevant information as you consider your 2027 plan selections.
Review your current plan selections in your Benefits Summary in MyBGSU.
If you are covering a spouse on your 2027 medical plan, have readily available the name and email address of your spouse's employer representative if they are employed full-time outside of BGSU. This is needed for the required annual spousal certification form.
If you are newly covering a spouse and/or child(ren), submit copies of the required proof of dependency documents to the Office of Human Resources/Benefits via secure email at benefits@bgsu.edu or fax to 419-372-2920.

What's new or changed for 2027

Health Savings Account maximums are increased (totals include both employee and employer contributions). Individuals age 55 and older may make an additional $1,000 "catch-up" contribution annually to their Health Savings Account (HSA). This is in addition to the amounts listed below and does not change for 2027.
$4,500 - single
$9,000 - family
Flexible Spending Account for healthcare - maximum contributions and carryover:
$3,400 maximum contribution
$680 carryover allowance
Flexible Spending Account maximum contributions for Dependent Care remain at a $7,500 maximum.
Effective January 1, 2027, the Life Insurance and Long-Term Disability coverage will be moving to a new insurance carrier, Lincoln Financial. This is a change in the insurance carrier, but the coverage will remain unchanged.

Key points to review

Information regarding all of the plans and corresponding employee contributions can be located in each section of the HR Benefits website. Please review all information prior to making your selections for 2027.
Your 2026 coverage elections will continue for 2027 even if you do not make new elections, except the FSA and HSA. If you would like to contribute to the FSA or HSA, the IRS requires new elections annually.
If you are covering a spouse on your medical insurance, you are required to complete a Spousal Certification Form annually. This form can be located in the HR Benefits website under the Health & Prescription tab. To be considered for 2027, the form must be completed after Oct. 1, 2026 and before 5 p.m. on Nov. 20, 2026.
BGSU offers three voluntary benefit options through Securian. For plan information, pricing and how to contact a Securian representative please see the Voluntary Benefits tab in the HR Benefits website. You can elect the voluntary plan(s) of your choice within the MyBGSU benefits portal while completing your Open Enrollment.
If you are adding dependents to your 2027 coverage that have not been covered on any BGSU insurance plan during 2026, you must submit the required proof of dependency (in English) to the Office of Human Resources by 5 p.m. on Nov. 20, 2026. No late documents will be accepted, and dependents that do not have the proper proof of dependency documents on file within the Office of Human Resources prior to the deadline will not be covered for 2027.
If you want to contribute to a Flexible Spending Account (FSA) or a Health Savings Account (HSA) for 2027, the IRS requires that you elect that plan and select the amount you would like to contribute each year. Any elections from 2026 will NOT continue in 2027 unless you make new elections. Please make your election for the HSA in the online enrollment system via the M y BGSU portal. The HSA form is only to be used for mid-year changes.
If you elect life insurance or long-term disability that requires Evidence of Insurability (The system will notify you of the requirement when you enroll), you must submit the completed form(s) by 5 p.m. on Nov. 20, 2026. No late documents will be accepted, and you will not be considered for the additional coverage for 2027. The evidence of insurability forms must be submitted directly to the carrier electronically. The link is available in the MyBGSU benefits enrollment portal as you make your plan selections.
Open Enrollment is a great time to check your life insurance beneficiaries to make sure they are up to date. Remember you need to check both Basic Life and Supplemental/Optional Life as both plans have beneficiary options and must be completed separately.

Insurance plan comparisons

Enrolling

To enroll, log in to MyBGSU, click on the Benefits dropdown, select Benefits Information, then Benefits Enrollment. Also, please remember to submit your enrollment and print a confirmation statement for your records. Review your confirmation statement to make sure your selections are correct, as no changes can be made after Nov. 20, 2026 unless you have a qualifying Life Event. Qualifying Life Events must be fully completed within 30 calendar days (including weekends and holidays) to include the date of the event. The first step requires proof of the qualifying change noting the associated date for approval. The second step then requires the additional information of any legal dependents to be added and any requested plan changes. The Life Event is not considered complete until all steps are finalized and submitted prior to the deadline.
The Office of Human Resources is available to answer questions and assist you with enrolling during normal business hours. If you need assistance with using the Benefits Enrollment portal, you can arrange a virtual meeting for assistance. To ask questions or request virtual assistance, please call 419-372-8421 or email benefits@bgsu.edu.

Medical & Prescription Insurance

Bowling Green State University offers two health insurance options that are self-funded and administered by Medical Mutual of Ohio. The prescription drug benefit is included as part of both health insurance options and is administered by CVS/Caremark. The chart below is a brief outline of the plans.

	Medical Mutual & CVS/Caremark - Plan A		Medical Mutual & CVS/Caremark - Plan B
Benefits Coverage	In-Network Benefits	Out-of-Network Benefits	In-Network Benefits	Out-of-Network Benefits
Annual Deductible
Individual	$400	$800	$2,000	$4,000
Family	$800	$1,600	$4,000	$8,000
Coinsurance	85%	60%	90%	60%
Maximum Out-of-Pocket
Individual	$1,600	$4,800	$4,000	$8,000
Family	$4,200	$12,600	$6,750 single/$8,000 family	$16,000
Physician Office Visit
Primary Care	$20 copay	60% after deductible	90% after deductible	60% after deductible
Specialty Care	$35 copay	60% after deductible	90% after deductible	60% after deductible
Preventive Care
Adult Periodic Exams	100%	60% after deductible	100%	Not Covered
Well-Child Care	100%	60% after deductible	100%	Not Covered
Diagnostic Services
X-ray and Lab Tests	85% after deductible	60% after deductible	90% after deductible	60% after deductible
Urgent Care Facility	$20 copay	60% after deductible	90% after deductible	60% after deductible
Emergency Room Facility Charges	$100 copay, then 85%	$100 copay, then 85%	90% after deductible	90% after deductible
Inpatient Facility	85% after deductible	60% after deductible	90% after deductible	60% after deductible
Outpatient Facility and Surgical Charges	85% after deductible	60% after deductible	90% after deductible	60% after deductible
Mental Health/Substance Abuse
Inpatient	85% after deductible	60% after deductible	90% after deductible	60% after deductible
Outpatient	$20 copay	60% after deductible	90% after deductible	60% after deductible
Retail Pharmacy (30 Day Supply)
Generic (Tier 1)	$10 copay	You pay 100% of retail cost and then file a claim with Caremark. Reimbursement will be based on the allowable network cost	10% after deductible	40% after deductible
Preferred (Tier 2)	20% to $100 max		10% after deductible	40% after deductible
Non-Preferred (Tier 3)	40% to $125 max		10% after deductible	40% after deductible
Preferred Specialty (Tier 4)	Contact Caremark to see if drug is preferred or non-preferred		Contact Caremark to see if drug is preferred or non-preferred	Not covered
Mail Order Pharmacy (90 Day Supply)
Generic (Tier 1)	$20 copay	You pay 100% of retail cost and then file a claim with Caremark. Reimbursement will be based on the allowable network cost	10% after deductible	40% after deductible
Preferred (Tier 2)	20% to $300 max		10% after deductible	40% after deductible
Non-Preferred (Tier 3)	40% to $375 max		10% after deductible	40% after deductible
Preferred Specialty (Tier 4)	Contact Caremark to see if drug is preferred or non-preferred		Contact Caremark to see if drug is preferred or non-preferred	Not covered

2027 Medical Plan Contributions - Plan A
Coverage Level	Biweekly 18 Pay			Biweekly 24 Pays			Monthly / 12 Pays			Monthly 9 Months (January through May)**			Monthly 9 Months (September through December)***
Coverage Level	Employee	BGSU	Total	Employee	BGSU	Total	Employee	BGSU	Total	Employee	BGSU	Total	Employee	BGSU	Total
Employee Only	$146.51	$830.22	$976.73	$109.89	$622.67	$732.55	$219.77	$1,245.33	$1,465.10	$351.63	$1,992.53	$2,344.16	$219.77	$1,245.33	$1,465.10
Employee + Spouse	$436.60	$1,746.41	$2,183.01	$327.45	$1,309.81	$1,637.26	$654.90	$2,619.62	$3,274.52	$1,047.84	$4,191.39	$5,239.23	$654.90	$2,619.62	$3,274.52
Employee + Child(ren)	$254.54	$1,018.13	$1,272.67	$190.91	$763.60	$954.51	$381.81	$1,527.20	$1,909.01	$610.90	$2,443.52	$3,054.42	$381.81	$1,527.20	$1,909.01
Employee + Family	$508.53	$2,034.11	$2,542.63	$381.40	$1,525.58	$1,906.98	$762.79	$3,051.16	$3,813.95	$1,220.46	$4,881.86	$6,102.32	$762.79	$3,051.16	$3,813.95
2027 Medical Plan Contributions - Plan B
Coverage Level	Biweekly 18 Pay			Biweekly 24 Pays			Monthly / 12 Pays			Monthly 9 Months (January through May)**			Monthly 9 Months (September through December)***
Coverage Level	Employee	BGSU	Total	Employee	BGSU	Total	Employee	BGSU	Total	Employee	BGSU	Total	Employee	BGSU	Total
Employee Only	$63.38	$464.77	$528.15	$47.54	$248.58	$296.12	$95.07	$697.16	$792.23	$152.11	$1,115.46	$1,267.57	$95.07	$697.16	$792.23
Employee + Spouse	$188.87	$991.58	$1,180.45	$141.66	$743.69	$885.34	$283.31	$1,487.37	$1,770.68	$453.30	$2,379.79	$2,833.09	$283.31	$1,487.37	$1,770.68
Employee + Child(ren)	$110.11	$578.09	$688.20	$82.59	$433.57	$516.15	$165.17	$867.13	$1,032.30	$264.27	$1,387.41	$1,651.68	$165.17	$867.13	$1,032.30
Employee + Family	$219.99	$1,154.93	$1,374.91	$164.99	$866.20	$1,031.19	$329.98	$1,732.39	$2,062.37	$527.97	$2,771.82	$3,299.79	$329.98	$1,732.39	$2,062.37

BGSU Health Savings Account Contributions*
Coverage Level	Annual Amount
Single	$500
Employee + Spouse	$1,000
Employee + Child(ren)	$1,000
Employee + Family	$1,000

* Health Savings Account contributions are deposited with 1/2 in January and 1/2 in July for those who have active coverage on the first of each of those months. Employer contributions are not prorated.

** Contributions for January through May = 8/12 of the amount paid over 5 equal monthly payments for coverage January through August.

*** Contributions for September through December = 4/12 of the annual amount paid in 4 equal monthly payments for coverage September through December.

Please note that some rates may be off by a small amount due to rounding factors with the enrollment system.

Dental Insurance

Bowling Green State University is pleased to continue offering two dental insurance options. The plans are administered through Delta Dental.

	Delta Dental - Base Plan			Delta Dental - Enhanced Plan
Benefits Coverage	PPO Benefits	Premier Benefits	Out-of-Network Benefits	PPO Benefits	Premier Benefits	Out-of-Network Benefits
Annual Deductible
Individual	$50	$50	$50	$25	$25	$25
Family	$50 per person	$50 per person	$50 per person	$75	$75	$75
Waived for Preventive Care?	Yes	Yes	Yes	Yes	Yes	Yes
Annual Maximum
Per Person / Family	$1,500	$1,500	$1,500	$2,000	$2,000	$2,000
Preventive	100%	100%	100%	100%	100%	100%
Basic	80%	80%	80%	90%	90%	90%
Major	50%	50%	50%	60%	60%	60%
Orthodontia
Benefit Percentage	100%	100%	100%	60%	60%	60%
Adults	Not covered	Not covered	Not covered	Covered	Covered	Covered
Dependent Child(ren)	Covered	Covered	Covered	Covered	Covered	Covered
Lifetime Maximum	$1,000	$1,000	$1,000	$2,000	$2,000	$2,000

2027 Dental Plan Contributions - Basic
	Biweekly 18 pays		Biweekly 24 pays		Monthly/12 Pays		Monthly 9 months (January through May)**		Monthly 9 months (September through December)**
Coverage Level	Employee	BGSU	Employee	BGSU	Employee	BGSU	Employee	BGSU	Employee	BGSU
Employee Only	$4.75	$18.96	$3.56	$14.22	$7.12	$28.44	$11.39	$45.50	$7.12	$28.44
Employee + Spouse	$9.17	$36.67	$6.88	$27.51	$13.75	$55.01	$22.00	$88.02	$13.75	$55.01
Employee + Child(ren)	$11.66	$46.65	$8.75	$34.99	$17.49	$69.98	$27.98	$111.97	$17.49	$69.98
Employee + Family	$17.79	$71.15	$13.34	$53.36	$26.68	$106.72	$42.69	$170.75	$26.68	$106.72
2027 Dental Plan Contributions - Enhanced
	Biweekly 18 pays		Biweekly 24 pays		Monthly/12 Pays		Monthly 9 months (January through May)**		Monthly 9 months (September through December)**
Coverage Level	Employee	BGSU	Employee	BGSU	Employee	BGSU	Employee	BGSU	Employee	BGSU
Employee Only	$20.97	$18.96	$15.73	$14.22	$31.45	$28.44	$50.32	$45.50	$31.45	$28.44
Employee + Spouse	$40.80	$36.67	$30.60	$27.51	$61.20	$55.01	$97.92	$88.02	$61.20	$55.01
Employee + Child(ren)	$53.57	$46.65	$40.18	$34.99	$80.36	$69.98	$128.58	$111.97	$80.36	$69.98
Employee + Family	$81.79	$71.15	$61.34	$53.36	$122.68	$106.72	$196.29	$170.75	$122.68	$106.72

** Contributions for January through May = 8/12 of the amount paid over 5 equal monthly payments for coverage January through August.

Contributions for September through December = 4/12 of the annual amount paid in 4 equal monthly payments for coverage September through December.

The dependent limiting age for eligible children is 26. Dependent children turning age 26 will be removed from coverage at the end of the month in which they turn 26.

Please note that some rates may be off by a small amount due to rounding factors with the enrollment system.

Vision Insurance

Bowling Green State University is pleased to offer two vision insurance options. The plans will continue to be administered through VSP. The chart below is a brief outline of each plan.

	VSP - Base Plan	VSP - Enhanced Plan
Copay
Routine Exams	$10 copay	$0 copay
Materials Copay	$25 copay	$0 copay
Materials
Lenses	Single Vision: 100% after $25 copay Bifocal: 100% after $25 copay Trifocal: 100% after $25 copay	Single Vision: Covered in full Bifocal: Covered in full Trifocal: Covered in full
Contacts Covered in lieu of frames	Elective contacts: $150 allowance Medically necessary contacts may be covered at a higher benefit level	Elective contacts: $180 allowance Medically necessary contacts may be covered at a higher benefit level
Frames	$150 allowance	$180 allowance
Frequencies
Rountine Exams	Covered every 12 months	Covered every 12 months
Lenses/Contact Lenses	Covered every 12 months	Covered every 12 months
Frames	Covered every 24 months	Covered every 12 months

2027 Vision Plan Contributions - Basic
	Biweekly 18 pays	Biweekly 24 pays	Monthly/12 Pays	Monthly 9 months (January through May)**	Monthly 9 months (September through December)**
Coverage Level	Employee	Employee	Employee	Employee	Employee
Employee Only	$4.45	$3.34	$6.68	$10.69	$6.68
Employee + 1	$8.91	$6.70	$13.37	$21.39	$13.37
Employee + 2 or more	$14.33	$10.75	$21.50	$34.40	$21.50
2027 Vision Plan Contributions - Enhanced
	Biweekly 18 pays	Biweekly 24 pays	Monthly/12 Pays	Monthly 9 months (January through May)**	Monthly 9 months (September through December)**
Coverage Level	Employee	Employee	Employee	Employee	Employee
Employee Only	$9.05	$6.81	$13.58	$21.73	$13.58
Employee + 1	$18.13	$13.60	$27.20	$43.52	$27.20
Employee + 2 or more	$29.15	$21.86	$43.73	$69.97	$43.73

** Contributions for January through May = 8/12 of the amount paid over 5 equal monthly payments for coverage January through August.

Contributions for September through December = 4/12 of the annual amount paid in 4 equal monthly payments for coverage September through December.

The dependent limiting age for eligible children is 26. Dependent children turning age 26 will be removed from coverage at the end of the month in which they turn 26.

Please note that some rates may be off by a small amount due to rounding factors with the enrollment system.

Updated: 10/01/2026 08:57PM

2027 Open Enrollment

Open Enrollment for 2027

Before you enroll

What's new or changed for 2027

Key points to review

Insurance plan comparisons

Medical & Prescription

Dental

Vision

Enrolling

2027
Open Enrollment