Open Enrollment 2023

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New This Year

• Standalone Dental! Dental coverage will no longer be bundled with the medical plan, meaning that you can elect or decline dental coverage independently of your medical election.
• Employee + 1 Tier! We will now offer an Employee +1 tier for medical and dental benefits! This tier is for anyone who enrolls in the coverage along with 1 qualified dependent (spouse or child).
• Medical Plan Change The same medical plan will continue to be offered, but new this year you will see the addition of deductible and coinsurance. This cost share will only apply to in-network inpatient hospitalizations or outpatient surgeries, most services will remain copay based. There are no changes to prescription drug copays.
• ID Cards Due to the change in the medical plan coverage, all members enrolled in the medical coverage will receive new ID cards. While every effort will be made to get these to you by 1/1, please note your current ID cards will continue to work until your new cards arrive. Prescription cards will only be provided to those newly enrolled in coverage for 2023.
• Disability & Life Insurance Carrier We will be moving to The Hartford for life insurance and disability coverage. If you are currently enrolled in employer-paid or voluntary benefits, this coverage will automatically shift to the Hartford, no action will be required on your part.

Enrolling in your Benefits

The annual open enrollment period will take place from December 5 – December 16. During this time, employees will be offered an opportunity to enroll in each of the below-outlined benefits. The elections you make during open enrollment are your elections for the full 2023 plan year and cannot be changed until the next open enrollment unless you experience a qualifying event (i.e. marriage, divorce, newborn, etc.) that allows for benefit changes during the year. If this happens, you must notify Human Resources within 30 days of the qualifying event date.

Benefit elections should be made online through OneLink, a self-service benefits portal that gives you access to view all benefit plan options available to you. To complete the open enrollment process please visit https://onegroup.employeenavigator.com. Access to OneLink can be done via computer or mobile device.

If you have forgotten your username and/or password, there are links on the login page to access your username and reset your password.

If you have never accessed OneLink you will need to create your account. On the login page, select “Register as a new user” and enter the personal information requested as well as the Company Identifier – OHSI. You will then be asked to create a username and password.

For assistance logging into OneLink, please contact Human Resources at 315-361-2040 or OneGroup (Jackie Penfield) at jpenfield@onegroup.com or 315-413-4410.

Please note, your open enrollment elections must be made by December 16. All employees will be required to log in and complete the open enrollment process or coverage may be canceled.

Medical Plan – Excellus

Oneida Health will continue to offer the same Excellus medical plan option for 2023. New this year we are introducing deductible and coinsurance to specific in-network services (inpatient hospitalization and outpatient surgeries) as shown in the following document (changes highlighted in red). These deductibles are per person (with a cap of 3x for family contracts). For a more detailed summary of benefits and coverage (SBC) please visit OneLink.

2023 Bi-Weekly Health Insurance Rates (based on 26 pay periods)

Prescription Drug Plan – Express Scripts

Prescription drug coverage will continue to be provided by Express Scripts. There are no changes to copays. For a detailed summary of the benefits and coverage (SBC) please visit OneLink. Don’t forget cost-saving opportunities such as utilizing mail orders. open enrollment process or coverage may be canceled.

Dental Plan – Delta Dental

The dental plan will now be a standalone benefit and can be elected or declined independently of your medical coverage and you do not have to cover the same dependents as you may on your medical or vision plan. There are no changes to the plan design.

2023 Bi-Weekly Dental Rates (based on 26 pay periods)

Vision Plan – Davis Vision

Oneida Health will continue to offer the same vision plan through Davis Vision. There will be no plan or rate changes for this coverage. For a more detailed summary of the vision benefits please visit OneLink.

2023 Bi-Weekly Vision Rates (based on 26 pay periods)

Life Insurance & Disability – The Hartford

Basic Life/AD&D & Long Term Disability

Financial protection in the event the unfortunate happens is important in your planning. Long-Term Disability and Basic Term Life and Accidental Death & Dismemberment (AD&D) Insurance is provided to all eligible employees at no cost to you. Please visit OneLink for more details on this valuable coverage. Beneficiary information for Life Insurance should be reviewed annually and can be updated in OneLink.

Voluntary Life/AD&D

In addition to the company-paid life insurance, you have the opportunity to purchase additional term life insurance for yourself, your spouse, and your children. Voluntary Life Insurance rates are based on age and these group rates are typically less expensive than they would be if you shopped for coverage on your own. Please visit OneLink for more details on coverage, and eligibility and to view your rates.

Flexible Spending & Dependent Care – LBS

Oneida Health will continue to partner with LBS to offer a Health FSA and Dependent Care FSA. These programs allow employees to set aside and use pre-tax funds for certain qualified expenses.

A Health Care FSA pays for eligible out-of-pocket medical expenses such as copays, coinsurance, deductibles, prescription, dental or vision expenses. The 2023 annual maximum contribution amount for a Health Care FSA is $3,050.

A Dependent Care FSA allows reimbursement of dependent care expenses (i.e. daycare) incurred by eligible dependents including children under age 13, a disabled spouse, and/or a disabled relative or household member who is the participant’s IRS tax dependent. The 2023 annual maximum contribution amount for a Dependent Care FSA is $5,000.

Please note, both the Health FSA and Dependent Care FSA must be re-elected annually.

Cancer Plan & Short-Term Disability – Aflac

Oneida Health will continue to partner with Aflac to offer both Cancer Protection Coverage and Supplemental Disability Coverage. In the event you experience such a medical event, AFLAC Cancer Coverage can cover out-of-pocket expenses like travel, copays, lodging, treatments, etc. AFLAC’s Supplemental Disability Coverage helps in situations of any off-the-job injury/illness and enhances the NYS Disability benefit. Please visit OneLink or contact our Aflac representative Mark Flurschutz at mark_flurschutz@us.aflac.com for more details on coverage, cost, and how to enroll.

403(b)

The 2023 contribution limits have increased to $22,500 for those under age 50 in 2023 and $30,000 for those age 50 and older in 2023. Please consider contributing at least 6% as the Hospital matches 50% of the first 6% you contribute. Please contact our 403(b) Financial Representative, Michael Kent at (315) 558-6784, to schedule your 1-on-1 conversation to discuss your account, investments, and retirement planning.