2015 Open Enrollment



Usually, the spring is reserved for new beginnings and changing routines. However, Open Enrollment season is a great time to reevaluate everything from your health benefits to retirement choices so that you and your family are set up for success in the upcoming year. And again this year, St. Jude is pleased to offer high-quality, affordable benefits to support you and your family.


Highlights for 2015:  Details

Open Enrollment is your annual opportunity to evaluate your benefits and make changes for the upcoming plan year, which begins January 1, 2015. Use this site to learn what’s new and where to find more information.

Follow these easy steps to make changes What’s NOT changing?
What’s changing in 2015? Get more information

 

Follow these easy steps to make changes

Step 1 Read the 2015 Open Enrollment information on this site. Members of the Benefits Team will be available to answer your questions at help sessions (see schedule below). No appointments are necessary.

Barry/Longinotti Building (St. Jude North); Training Rms. F/G
  • Tues., Nov. 4 8am-5pm
  • Wed., Nov. 5 7am-1pm
  • Tues., Nov. 11 8am-5pm
  • Wed., Nov. 12 7am-1pm

You can also email questions to benefits@stjude.org or call ext. 4502 to speak with a Benefits team member.

Step 2 Log into the MYBenefits portal. If this is your first time to log in, enter your St. Jude user ID and the last four digits of your Social Security Number in the password field. You will be prompted to change your password immediately upon login.
Step 3 The portal will guide you through your enrollment choices. Once you have entered all required information and made updates, click the “Save Enrollment” button. If adding/removing family members from coverage, be sure to upload supporting documents (i.e. certificates for marriage, birth, etc.).


Please remember that all benefits-eligible employees must log into MYBenefits this year. Also, participation in a Flexible Spending Account does require annual enrollment. Benefits elected during Open Enrollment cannot be dropped during the plan year without a qualifying life event (i.e. marriage, divorce, birth, etc.)

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Get more information

In-person enrollment help sessions

Talk to a Benefits team member who will gladly sit down with you at a computer to help you enroll in your benefits. No appointment necessary.

If adding/dropping a family member to coverage, please bring supporting documentation (i.e. marriage certificate, birth certificate, etc.)

Barry/Longinotti Building (St. Jude North); Training Rms. F/G

Tues., Nov. 4        8am-5pm
Wed., Nov. 5         7am-1pm
Tues., Nov. 11      8am-5pm
Wed., Nov. 12       7am-1pm

Call the HR Benefits Team (901) 595-4502
Email us benefits@stjude.org

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Open Enrollment Deadline

Open Enrollment will end at 5 p.m. Friday, November 14, 2014. There are no paper forms this year; all enrollments must be done through the MYBenefits portal.

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What’s changing in 2015?

Health Plans

ACTION REQUIRED

Answer the tobacco question

To enroll in the medical plan for 2015, you must verify your eligibility for the $50/month non-tobacco user premium discount. You will do this when logging into the MYBenefits portal during Open Enrollment.

Those who do not verify eligibility by the Open Enrollment deadline will be assumed not eligible for the discount and will pay higher premiums.

If you do not qualify for the discount, you will be given an opportunity to sign up for tobacco cessation classes to receive the discount.

New protections for out-of-pocket costs—medical and prescription drug plans

Out-of-pocket (OOP) costs are your medical expenses that aren't reimbursed by insurance (i.e. deductibles, coinsurance and co-pays). The annual OOP max is the highest amount you would pay before St. Jude starts covering 100% of eligible costs.

  • Medical Plan: Office visit and emergency room co-pays will now count toward your OOP max; this means you will reach your max sooner so St. Jude can start paying at 100%.
  • Prescription Drug Plan: St. Jude is adding an OOP max to help cap your costs; amounts will mirror the medical OOP max amounts for individuals and family coverage the Select PPO and Choice PPO plans (in-network only).
Life Insurance

ACTION REQUIRED

Name a beneficiary

You’ll be prompted to name a life insurance beneficiary when you log into the MYBenefits portal. Going forward, MYBenefits will be the official record for beneficiary information.

If no beneficiary is selected by the Open Enrollment deadline, your beneficiary will default to “My Estate.” This means that life insurance money can be subject to probate, probate fees and taxes, as opposed to when you name an actual person as your beneficiary.


ACTION REQUIRED

Verify your dependents

You’ll be prompted to verify that your spouse and/or child(ren) are covered under Dependent Life Insurance. Remember this great benefit is completely paid for by St. Jude.

Two new coverage levels available for Additional Life Insurance—Spouse You can currently purchase additional life insurance for your spouse by paying $3.60/month for a policy valued at $20,000.

New: During Open Enrollment, you have two more options:
  • $5.40/month for policy valued at $30,000
  • $7.20/month for policy valued at $40,000
One flat rate for Additional Dependent Life Insurance—Child(ren) You can currently purchase additional life insurance for your dependent children by paying $.48/month per child for a policy valued at $10,000 per child.
New: Beginning in 2015, the rate will be a flat amount--$.96/month (under $12/year!), regardless of the number of children covered.
Don't forget
Flexible Spending Accounts for health and dependent care Remember participation in a Flexible Spending Account requires annual enrollment even if you took part in the past.
Hyatt Group Legal Plan
Aflac
Additional Life Insurance (for employees)
Dependent Life Insurance (spouse and children)

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What’s Not Changing?

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