Open Enrollment & Changing Benefits for MUSC Health Employees

October 1 to October 31, 2024

During open enrollment, eligible subscribers may change their coverage for the following year. PEBA wants to help you gear up to select your insurance benefits for 2024. Start thinking now about what changes you might want to make to your insurance coverage. Any changes that you make during open enrollment take effect on January 1, 2025. Open Enrollment begins October 1 and ends October 31 at 11:59pm.

Log into “MyBenefits” - mybenefits.sc.gov - to make your Open Enrollment changes beginning September 15, 2024. Please do not use OurDay to make your Open Enrollment changes for 2024. Open Enrollment changes made in OurDay will not be honored by PEBA.

If you are satisfied with your Health, Vision, Life Insurance and Supplemental Disability coverage, you do not need to do anything. Your coverage will continue in 2025. Please note, if you wish to participate in Money Plus Accounts (Medical Spending or Dependent Care Spending), you must re-enroll for 2025.

Highlights

• Health: Add/drop health insurance for yourself and/or dependents.
• Dental: Changes to dental coverage are NOT allowed this year and can be made during open enrollment only in odd-numbered years. Your next opportunity to make a change (Add/Drop) will bein October 2025.
• Vision: Add/drop vision insurance for yourself and/or dependents.
• Optional Life: Enroll in or increase coverage with medical evidence, cancel or decrease coverage.  Life insurance changes require medical evidence; CTM’s must complete an NOE form and send to their MUHA Benefits Administrator by October 31st, 2024.  You will receive an email from MetLife that includes a link to a Supplemental Form with five health questions on MetLife’s MyBenefits platform. Based on your answers, a full Statement of Health may be required. The MUHA Benefits Team will submit the NOE to PEBA upon approval from MetLife, (if approved).  
• Dependent life-Spouse: Enroll in or increase coverage with medical evidence; cancel or decrease coverage.
• Dependent Life-Child: Enroll in or cancel coverage.Supplemental Long Term Disability (SLTD): Active employees may apply for SLTD or change their SLTD benefit waiting period for existing coverage without medical evidence.
• Supplemental Long Term Disability (SLTD) monthly premium factors will decrease in 2025.
• MoneyPlus pretax feature: Enroll in or drop the Pretax Group Insurance Premium feature.
• MoneyPlus Accounts: Enroll in or re-enroll in Medical Spending account or Dependent Care Spending Account.

How to make changes (do not make your changes in OurDay)

Log in to MyBenefits at mybenefits.sc.gov,  to make your coverage selections during open enrollment. You will need to register if you don’t already have a MyBenefits account. View our Setting Up a New MyBenefits Account flyer to learn how to register.

Keep in mind that changes to existing dental coverage can be made during open enrollment only in odd-numbered years. If you don’t make changes this year, your next opportunity to make a change will be October 2025 or within 31 days of a special eligibility situation.

Some coverage changes, including enrolling a dependent who is not currently covered under any benefit, require supporting documentation. You can upload documents through MyBenefits. Keep in mind that PEBA must receive the documents by December 1, 2023, to approve the changes.

Follow up on your open enrollment changes

At the beginning of December 2024, log in to MyBenefits and select Review Benefits from the drop-down list to see your 2025 benefits. If you notice any errors, contact your benefits administrator immediately.

If you miss open enrollment

Open enrollment ends October 31, 2024, at 11:59 p.m. Once the deadline has passed, you must wait until either the next October or until you have a special eligibility situation. Special eligibility situations occur after life events, such as getting married or having children. Insurance changes must be made within 31 days of a qualifying event. 

Setting up MyBenefits Registration