Open Enrollment for 2025

Before You Enroll

Review all the information on the HR Benefits webpage. The benefits brochure section is available to assist you with comparing plans and review other relevant information as you consider your 2025 plan selections.
Review your current plan selections in your Benefits Summary in MyBGSU.
If you are covering a spouse on your 2025 medical plan, have readily available the name and email address of your spouse's employee 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), have readily available proof of dependency as required.

Highlights of What is New or Changed for 2025

Medical Plan A has a change in deductibles and out-of-pocket maximums. View Medical Plan A changes
A new Voluntary Benefits provider has been selected for 2025, Securian Financial. The same three plan offerings are available at more affordable rates. These plans are now available to elect within the MyBGSU benefits portal along with the other plan options during the Open Enrollment period.
Health Savings Account maximums are increased (totals include both employee and employer contributions).
$4,300 single
$8,550 family
Flexible Spending Account maximum contributions and carryover allowance have increased.
$3,200 maximum contribution
$640 carryover allowance
There are no coverage changes for Life Insurance, Long-Term Disability, Medical Plan B, Dental, and Vision plans.

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 2025.
Your 2024 coverage elections will continue for 2025 even if you do not make new elections, except the FSA and HSA. If you would like to participate in 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 2025, the form must be completed after Oct. 1, 2024 and before 5 p.m. on Nov. 22, 2024.
BGSU offers three voluntary benefit options through Securican. 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 2025 coverage that have not been covered on any BGSU insurance plan during 2024, you must submit the required proof of eligibility (in English) to the Office of Human Resources by 5 p.m. on Nov. 22, 2024. No late documents will be accepted, and those dependents will not be covered for 2025.
If you want to participate in a Flexible Spending Account(FSA) or a Health Savings Account(HSA) for 2025, the IRS requires that you elect that plan and select the amount you would like to contribute each year. Any elections from 2024 will NOT continue in 2025 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 let you know when you enroll), you must submit the completed forms by 5 p.m. on Nov. 22, 2024. No late documents will be accepted, and you will not be considered for the additional coverage for 2025. The long-term disability evidence of insurability form must be submitted directly to the carrier electronically. The life insurance evidence of insurability form must be submitted directly to Human Resources. The links are available in the MyBGSU 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 both be completed separately.

Insurance plan comparisons

Information Session Schedule

There will be information sessions held by Human Resources throughout the Open Enrollment period with virtual and in-person options.

View meeting schedule

Enrolling

To enroll, login to MyBGSU, click on the Employee Tab, locate the Benefits Information section and then Benefits Enrollment on the left-hand side. 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. 22, 2024 unless you have a qualifying Life Event.
The Office of Human Resources is available to answer questions and assist you with enrolling during normal business hours. In addition, you can arrange to set up a virtual meeting for enrollment 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

Updated: 10/21/2024 11:32AM

	What you have in 2024:	What it’s changing to in 2025:
Deductible (In-network)
Single	$300	$400
Employee + 1	$600	$800
Family	$700	$800
Out-of-Pocket Max (In-network)
Single	$1,250	$1,600
Employee + 1	$2,500	$3,200
Family	$3,250	$4,200

	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

	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

2025
Open Enrollment

Open Enrollment for 2025

Insurance plan comparisons

Medical & Prescription

Dental

Vision

Information Session Schedule

Benefits Team

Office of Human Resources

2025 Open Enrollment

Open Enrollment for 2025

Insurance plan comparisons

Medical & Prescription

Dental

Vision

Information Session Schedule

Benefits Team

Office of Human Resources

2025
Open Enrollment