To: RCUH Employees (who are benefits eligible) and Principal Investigators
The RCUH Benefit Open Enrollment period is your opportunity to elect, waive, or change certain benefit elections for the upcoming plan year. Health insurance and flexible spending account (FSA) plan years start on July 1, 2022 and last through June 30, 2023. Mid-year changes and enrollments are not allowable unless you experience a qualified life event (marriage, divorce, birth of child, etc.).
Please access all Open Enrollment forms and materials (rate sheets, summary of benefits, comparison documents, and videos) at the following link:
2022-2023 RCUH Open Enrollment Page
What you can do during Open Enrollment:Waive health insurance (Health Waiver form is MANDATORY for all employees who wish to waive coverage for this plan year)
Enroll in or change health plan(s): Dental (1 plan) and Medical (7 plans)
Add dependents to your current health plan
Enroll in a Flexible Spending Account – Healthcare for the upcoming plan year
Enroll in a Flexible Spending Account – Dependent Care for the upcoming plan year
Change your group Life Insurance coverage amount (maximum 2xs base salary up to $600,000) (contact [email protected] for more information)
Enroll you (and your spouse) in Supplemental Long Term Care Insurance (contact [email protected] for more information)
IMPORTANT: As a condition of employment or continued employment, an employee deemed eligible for the RCUH health insurance must either elect or waive health insurance coverage. All employees waiving medical coverage are required to submit a health waiver form as an acknowledgement of the offer of health insurance and agreement that they are opting to waive coverage.
If you are currently enrolled in health insurance and have no changes to your coverage, no action is needed.
If you are currently enrolled in the Flexible Spending Healthcare or Dependent Care Account and you wish to continue your benefit, you must submit a new enollment form as plan elections do not rollover.
Introducing eUpload
Once you determine what forms you need to submit, use the eUpload feature in Employee Self Service to upload forms and supporting documentation to RCUH Human Resources in a secure and efficient manner. Employees will also be able to access real-time tracking of their requests and confirm the effective date of their requested change – all through the Employee Self Service portal.
How to prepare for Open Enrollment:
Health insurance needs can change from year to year. Not all plans have the same levels of coverage benefits and out of pocket costs. By comparing your options, you may be able to save money, find more appropriate coverage, or both. Take a few minutes to review your medical costs during the current plan year. You may find your current medical and dental monthly premiums in Employee Self Service > Benefits > Benefits Summary page. Please be aware that monthly premiums are not the only cost you should consider. We encourage you to compare plans by considering other factors besides the monthly premium including but not limited to deductibles, clinic locations, ease of scheduling appointments, and the potential out of pocket costs in case of a medical catastrophe (monthly premium x 12 months per year + deductible and out of pocket costs).
Health Insurance Premiums:
Monthly premiums for both Kaiser plans and Hawaii Dental Service will remain the same as last year. However, HMSA plans have experienced a 9-15% increase in cost, depending on your plan.
Flexible Spending Accounts (FSA): Healthcare and Dependent Care
Once you better understand your out of pocket medical costs, you might consider enrolling in a Healthcare Flexible Spending Account (FSA). Do you wear glasses or contacts? Do you wear sunscreen? Have you purchased COVID-19 test kits? If you answered YES to any of these questions, participation in the FSA Healthcare can potentially save you money. If you are interested in learning more about Healthcare FSAs this plan year, please contact Amber Kaneakua at [email protected] to schedule a short informational overview of this benefit.
You work hard for your money. Our goal is to provide you with information and tools to help you to make good financial decisions this open enrollment period.
Important Dates
April 28 – May 17: RCUH Employee Benefit Open Enrollment Period
May 17 – 5:00pm: DEADLINE to submit Open Enrollment forms via ESS eUpload
June 6: Open Enrollment benefit changes reflected in ESS Benefit Summary
July 1: Start date of benefit enrollment/change
Questions?
Please contact the RCUH Employee Benefits section to discuss your questions or concerns about Open Enrollment.
Email: [email protected]
Phone: (808) 956-7055 or (808) 956-6979
Employee Self Service (ESS) Password Resets: RCUH HR Information Systems
Email: [email protected]
Phone: (808) 956-8900
eUpload Assistance: HR Help Desk
Email: [email protected]
Phone: (808) 956-7055 or (808) 956-6979
Contact vendors directly with questions regarding specific coverage questions or current claims:
Hawaii Dental Service (HDS) Member Services: (808) 529-9248
HMSA Preferred Provider Plan & CompMED: (808) 948-6111
HMSA Health Plan Hawai’i & Health Plan Hawai’i Plus: (808) 948-6372
Kaiser Member Services: (808) 432-5955
National Benefit Services (NBS) Flexible Spending Account Member Services: (855) 399-3035