2017 Online Benefits Open Enrollment

Enrollment and Benefits Resources

Summary Benefits Information for 2017

Benefits Enrollment Guide for 2017 [pdf]

Comparison of Medical Plan Benefits [pdf]

Comparison of Dental Plan Benefits [pdf]

Vision Plan Benefits [pdf]

Medical Rates [pdf]

Dental Rates [pdf]

Vision Rates [pdf]

Domestic Partner Coverage

Authorized FSA and HSA Expenses

Excellus Website for St. John Fisher College

Excellus HealthyRewards Program


Learn More

Human Resources will be offering Informational Sessions. These sessions will focus on 2017 open enrollment changes and education on high deductible health plans (HDHP).

An Excellus VSP Vision, DIAL, Wegmans, and Healthy U representative will be available during the information sessions and immediately following the sessions to answer questions on the College's health care programs.

Date: November 1
Location: COP Conference Room

  • 9:30 - 10:30 a.m. - Information Session
  • 10:30 - 11:30 a.m. - Representatives available for 1-on-1 questions

Date: November 3
Location: COP Conference Room

  • 12:30 - 1:30 p.m. - Information Session
  • 1:30 - 2:30 p.m. - Representatives available for 1-on-1 questions

Date: November 8
Location: COP Conference Room

  • 12:30 - 1:30 p.m. - Information Session
  • 1:30 - 2:30 p.m. - Representatives available for 1-on-1 questions

Date: November 9
Location: COP Conference Room

  • 9:30 - 10:30 a.m. - Information Session
  • 10:30 - 11:30 a.m. - Representatives available for 1-on-1 questions
C-Shift Sessions

Date: November 3 - Informational Session
Location: Facilities Conference Room
Time: 10:15 - 11:15 p.m.

Date: November 10 - Representatives available for 1-on-1 questions
Location: Facilities Conference Room
Time: 10:15 - 11:15 p.m.

For questions regarding benefit changes for 2017, you may also contact the Human Resources office at (585) 385-8048 or at hr@sjfc.edu.

The annual benefits open enrollment for 2017 will take place from October 31 through November 11, 2016 (ending at 4:30 p.m.). All changes will be effective January 1, 2017.

The elections you make when you enroll during annual enrollment will be in effect for all of 2017 unless you experience a qualifying/life event. If you experience a qualifying event, you will have 30 days from the date of this event to make any changes and documentation will be required.

If you do not wish to change your benefit coverage it is recommended you go onto the system in order to confirm and verify your current benefit coverage including your beneficiary information. Please note that your 2016 Flexible Spending Account elections (medical and/or dependent care) will not carry over to 2017. If you do not enroll by December 1, 2016 by 4:30 p.m., the benefit coverage in the enrollment system will remain in effect for 2017.

If you have a Health Savings account, please be advised that your elections for this open enrollment will continue each plan year. The amount you select will continue going forward.


Open Enrollment Procedures

  1. First review the Frequently Asked Questions (FAQs) [pdf] document. This document contains the most frequent questions posed regarding benefit options and instructions for enrolling.
  2. To review and confirm your benefit elections for 2017, you must log on to www.myfisherbenefits.bswift.com. The enrollment system will be available starting October 31, 2016.
  3. Log In Instructions
    Username: SJFC email address
    Password: Your password is what you previously designated. If you do not remember your password, there is a reset option (forgot password). For technical assistance, please contact St John Fisher College Human Resources at (585) 385-8048.
  4. When you log in to the system, please review your personal information including your current address. If an update is needed, please complete a Change of Address Form [pdf] and return this document to the Human Resources Department to update your records.
  5. When you log in to the system, please review your dependent information. You must ensure that your dependent information is accurately entered in order to receive dependent coverage under medical, dental, vision, dependent care flexible spending account, dependent life, and accidental death and dismemberment insurances. Note: Domestic partners are only eligible to participate in medical and dental benefits.
  6. To view more details regarding the online enrollment system, please view the Benefits Enrollment Guide [pdf]

What's New for 2017

  • Vision Plan – the College will be offering a vision plan through VSP.  Vision plans offer quality and savings on high quality vision care through a choice of in and out of network providers.
  • DIAL – an online tool to help employees make informed decisions when selecting a health care plan taking into consideration premiums and out-of-pocket costs.
    • Website: https://sjfc.dialinsights.com
    • Username: SJFC email address
    • Password: first initial, last initial, birth year (example, John Smith, born in 1970 would be JS1970)
  • Wegmans Home Delivery – provides cost savings and convenience for employees on maintenance prescriptions.  Representatives from Wegmans will be at all open enrollment sessions to answer questions and assist in enrollment. 
  • New HSA Provider – for employees who elect BluePPO (HDHP) starting January 1, 2017 your HSA account provider will be HSA Bank. HSA Bank provides an easy application process, online and mobile device access and investment options.

What is Staying the Same as 2016

  • All the same medical and dental plan offerings.  The only change to any of the plan designs is BluePPO (HDHP) will have a change in how in and out of network deductibles will be tracked.
  • Same annual family (IRS) maximums available for Dependent Care Flexible Spending Accounts ($5,000).
  • Same college contributions to Health Savings Account (HSA) with High Deductible Health Care Plan (HDHP) of $500/single coverage; $1000 for other coverage levels (2-person, employee and child(ren) and family).

What is Changing for 2017

  • Medical plans rates have changed and are reflected in employee premiums: 
    • BluePPO (HDHP) -  5% decrease
    • Healthy Blue Hybrid - 4% increase
    • BlueEPO (EPO J) - 16% increase
  • Medical plan rates are based on the experience of the plan.  Because the BluePPO (HDHP) ran better than expected the plan is seeing a decrease in 2017.  It is also important to note that the percentages above also represent the increase, or in the case of BluePPO (HDHP) the decrease, of the College contribution to health care for that specific plan.  For example, with Healthy Blue Hybrid the employee’s cost is going up 4% and the College’s contribution to the plan will also go up 4%.
  • Dental rates have increased 6.4% due to claims experience and trends.
  • IRS increased HSA contribution limits for employees in HDHP single by $50/year allowing employee contributions up to $2,900/year.
  • IRS increased Medical FSA contribution limits for employees by $50/year, allowing employee contributions up to $2,600/year.

Summary Benefits Information for 2017

Health Coverage

You may choose one of the following three plan options or you may decline medical coverage:

  • Excellus BlueEPO (EPO J)
  • Excellus Healthy Blue Hybrid
  • Excellus BluePPO (HDHP)

Not Enrolling in Medical Coverage

Employees who can attest to having other group health insurance may elect to opt out of St John Fisher College’s medical coverage. Employees who elect to opt out will receive $1,700 annually. The amount of $70.83 will be credited to 24 paychecks as taxable income over the plan year. You need to waive medical coverage in the benefits enrollment system in order to receive the $1,700 annual opt-out.

Dental Coverage

You may choose one of the following two plan options or you may decline dental coverage:

  • Excellus Smile Saver I - No Orthodontia
  • Excellus Smile Saver IV

Vision Coverage

You may choose the following vision plan or you may decline vision coverage:

  • VSP Vision

Health Savings Account

A Health Savings Account (HSA) provides a way for you to designate pre-tax dollars to pay for certain medical expenses. You must be enrolled in BluePPO (HDHP) to be eligible for the HSA.

Eligible employees who elect employee only BluePPO (HDHP) coverage will receive an annual College contribution of $500; employees who elect employee/child(ren) or family coverage will receive an annual contribution of $1,000. Employees may contribute pre-tax monies up to $2,900 for single coverage and $5,750 for employee/child(ren), or family coverage. Employees age 55 and over also may contribute up to an additional $1,000 as a catch-up provision. If you are age 65 or older and enrolled in Medicare Part A or B, you cannot contribute to an HSA. If you have selected the Healthy Blue Hybrid or BlueEPO (EPO J), you are not eligible for this benefit.

Additional HSA Information:

  • If you are electing BluePPO (HDHP) for the first time, an HSA account will be set up for you with HSA Bank. Once created you will receive your debit card and additional information from HSA Bank.
  • If you have questions on your HSA, please contact HSA Bank at 800-357-6246.
  • The College contribution to your HSA account will be provided the first payroll in January. For new hires a prorated College contribution will be made to your HSA account in the first payroll after the account has been created.
  • If you currently contributing to your HSA you will not have to change your HSA election each year. Your current amount will continue to rollover each plan year.
  • You can change your HSA amount any time during the year. Please contact HR if you wish you change your HSA during the year.
  • Domestic Partners are not eligible for this benefit.

Flexible Spending Account (FSA)

A Flexible Spending Account (FSA) provides a way for you to designate pre-tax dollars to pay for certain medical expenses. If you enroll in the BluePPO (HDHP), you are not eligible for the Medical FSA. Domestic Partners are not eligible for this benefit.

The limit on the annual amount of reduction permitted for medical expense reimbursement cannot exceed the lesser of your earned income or $2,550 (per household). Any claim submitted for an eligible medical expense cannot exceed the amount allocated for the plan year.

The annual amount you enter will be divided by the annual number of pay periods in which health care deductions are taken. If you are electing mid-year the annual amount will be divided by the remaining number of pay periods for the year.

Dependent Care Flexible Spending Account (FSA)

The Dependent Care Flexible Spending Account Plan allows you to pay for dependent care expenses for children under the age of 13 or an older dependent who is physically and/or mentally incapable of self-care.

The limit on the annual amount of reduction permitted for dependent care expenses cannot be more than $5,000 ($2,500 if married filing separately) per household, or if your spouse is a student for more than 5 months of the year, the lesser of your spouse’s earned income or $5,000. Any claim submitted for an eligible dependent care expense cannot exceed the total amount currently available in your account at the time the claim is filed. Domestic Partners are not eligible for this benefit.

The Dependent Care Flexible Spending Account is separate from the health Flexible Spending Account and can be used for non-healthcare expenses related to your dependents (Example: Day care expenses for children under 13).

The annual amount you enter will be divided by the annual number of pay periods in which health care deductions are taken. If you are electing mid-year the annual amount will be divided by the remaining number of pay periods for the year.

Basic Life Insurance

The College provides one times base salary of term life insurance to all eligible employees, up to maximum of $160,000.

You do not need to elect this coverage and employees do not contribute to the cost.

Supplemental Life Insurance

You may elect to purchase supplemental life insurance in increments of 1, 2, or 3 times your base annual salary, to a maximum of $300,000. The total Basic and Supplemental Life Insurance benefit cannot exceed $460,000. Life Insurance amounts are reduced at age 70. 

If you are increasing your coverage or electing coverage for the first time after your initial New Hire eligibility during the annual enrollment, you will need to submit Evidence of Insurability (EOI).

You will be able to access the Evidence of Insurability form in the enrollment system. Your new coverage amount will not go into effect until approved by the carrier. 

If you elect supplemental life insurance for yourself, you will be eligible to pick up life insurance for a spouse/dependent.

Spouse and Dependent Life Insurance

If you elect supplemental life insurance for yourself, you will be eligible to elect life insurance for a spouse/dependent. If you elect coverage, eligible children are automatically covered up to age 21, or to age 25 if a full-time student. Domestic partners are not eligible for this benefit.

You may elect one of two levels of coverage:

  • $2,000 dependent/$4,000 spouse
  • $4,000 dependent/$10,000 spouse

Basic Accidental Death and Dismemberment (AD&D) Insurance

Accidental Death and Dismemberment Insurance (AD&D) pays your beneficiary a death benefit if you die due to a covered accident while you are insured. It also pays you a benefit for certain accidental injuries. AD&D covers losses that occur away from work or at work.

You do not need to elect this coverage and employees do not contribute to the cost.

Supplemental AD&D Insurance

Supplemental AD&D can be purchased in $10,000 increments on an after-tax basis. You may elect to purchase up to a maximum of 10 times your annual compensation to a maximum of $500,000 in benefit coverage. The amount reduces at age 70. Employees may purchase the insurance for themselves and their family members.

You may not cover your dependent if they dependent is covered as an employee under the policy. No person can be insured as a dependent of more than one employee under the policy. Your benefit will reduce on the January 1st after you turn age 70. Domestic partners are not eligible for this benefit.

This notice is provided for information purposes only for eligible faculty and staff, and does not constitute a legal contract. St. John Fisher College reserves the right to amend or terminate any of the plans or programs described in this notice at any time. Further, there may be certain coverage limitations or features based on carrier contract and/or College policy. In cases where discrepancies occur, the Plan Document or other relevant plan materials will be the ruling and binding instrument.

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