2022 Open Enrollment
Make a change October 25 – November 5, 5 p.m. ET
Time to make your 2022 benefit decisions
The Open Enrollment period begins October 25. We encourage you to review your current benefit choices to make sure they will continue to meet your needs in 2022.
Open Enrollment is your once-a-year opportunity to make changes to your benefits so they continue to be the right fit for you and your family. Outside of experiencing a qualifying life event, it’s the only time you can change plans or add or remove dependents.
You only need to take action if:
- You want to change your current benefit plan choices.
- You want to change or add coverage for family members.
- You want to participate in a Flexible Spending Account during 2022.
- You want to enroll in one of the voluntary benefit programs.
If you don’t take action by November 5:
Connect to your 2022 benefits
What You Need to Know
This year we are keeping things simple with just a few enhancements to the YNHHS Medical Plan, dental, and vision benefits, and there are no changes to the HDHP Medical Plan. Whether or not your plan is changing, we encourage you to take a moment to review your current benefit choices and coverage level to make sure they will continue to meet your needs in 2022.
What’s Changing for 2022
YNHHS Medical Plan
Beginning January 1, the new YNHHS Medical Plan annual deductible for Anthem PPO providers will be reduced by 50%:
- Individual: $1,750 (currently $3,500)
- Family: $3,500 (currently $7,000)
Note: There are no changes to the HDHP medical plans at Westerly Hospital, VNA, or Lawrence + Memorial Hospital.
Delta Dental Basic and Plus Plans
If you are an employee of Yale New Haven Health System and enrolled in a Delta Dental plan, the plan will cover the following services beginning January 1:
- Fluoride treatment for children under the age of 19
- An oral health enhancement option that provides two additional cleanings a year for people with periodontal disease
Note: There are no changes to the Cigna dental plans at Westerly Hospital, VNA, or Lawrence + Memorial Hospital.
The Yale New Haven Health System Vision Plan
The LightCare benefit will be available with the Basic Vision Plan and EasyOptions Premier Plan beginning January 1:
- LightCare: The frame allowance can be used toward ready-to-wear (not prescription) sunglasses or blue light filtering glasses from a VSP provider. Selecting this option replaces the frame and lens benefit.
Note: There are no changes to the vision plans at Westerly Hospital, VNA, or Lawrence + Memorial Hospital.
Health Care and Dependent Care FSA
Due to a temporary pandemic relief rule, there is no limit on the Health Care and/or Dependent Care FSA balance you can roll over from 2021 into 2022. For example, if you have a $700 balance in the Health Care FSA at the end of this year, you can carry it all over into 2022 (the usual limit is $550).
Health Savings Account (HSA)
The HSA contribution limits will increase to $3,650 if you have individual coverage, and $7,300 if you cover others too. If you’re age 55 or older, you can save an additional $1,000 in catch-up contributions. Note: The HSA is only available with the HDHP Medical Plan.
What You Need to Do
- Review this site for your medical, dental, and vision plan options, and consider how your needs may be different for 2022.
- Add or remove dependents, as needed.
- Make your Dependent Care Flexible Spending Account or Health Care Flexible Spending Account contribution elections for 2022. Note: The temporary pandemic relief change removes limits on balance roll overs from 2021 to 2022.
- Make your Health Savings Account (HSA) contribution for 2022. Note: The HSA is only available with the HDHP Medical Plan.
- Make a change to your benefit elections for 2022, if needed. You can return to the enrollment site at any time to change your elections between October 25 and November 5 at 5 p.m. ET.
- Print a copy of your enrollment confirmation and keep it for your records.
Things to Keep in Mind
- If you have a Health Care FSA, you have until March 31, 2022, to submit claims for 2021.
- If you are enrolled in the YNHHS Medical Plan, use Signature network providers. When you do, there’s no deductible and you’ll pay less for services. Connect with a Patient Resource Coordinator to assist you with your Tier 1/Signature network needs. Call 844-543-2147, option 3, to get started.
- If you are enrolled in the HDHP Medical Plan, it’s important to remember that the $2,000 individual annual deductible only applies to “employee only” coverage. If you cover anyone else under this plan, your annual deductible is $4,000.
- Don’t skimp on care. Although you may be tempted to put off a doctor’s visit, it’s always better to get care sooner rather than later. Use your telehealth benefit to get the care you need, when you need it—without leaving home.
- Plan for the unexpected by providing additional financial security for your family. Through YNHH voluntary benefits, you can purchase group hospital indemnity, group legal, and group critical illness insurance at prices that are typically below market rates. You can also enroll in auto, home, and pet insurance, student loan refinancing, or identity theft protection at any time of the year.
- It’s a good idea to review your 403(b) and life insurance beneficiaries every year, and make changes as needed.
- If you participated in the Know Your Numbers Plus program in 2021, you’ll see your annual employee medical premium credit on your enrollment confirmation statement. If you did not participate this year or you’re a new hire, you’ll be able to participate in 2022 to earn credit toward your 2023 medical premium.
If You Take No Action During Open Enrollment
- You will be unable to contribute to a Health Care or Dependent Care FSA in 2022.
- You and any dependents you currently cover (if eligible) will be automatically enrolled in the same medical, dental, and vision plans you had in 2021.
- If you waived plan coverage in 2021, your coverage will remain waived in 2022.