Open enrollment is the period each year when benefits-eligible colleagues can make changes to their health insurance and other select benefits for the upcoming year, without a qualifying event. Open enrollment is May 15 through June 1, 2024 with decisions effective on July 1, 2024.
Questions? Check out the Frequently Asked Questions, contact Human Resources at HR.Benefits@kzoo.edu, or pose questions on the Open Enrollment team.
Health Insurance Changes
There are three ways to learn more about changes to our health plan:
Please use a smart phone to review Kalamazoo College’s Benefits Guide for the short 2024 plan year.
Watch Benefits Presentation Video
Check out the information below
Black Plan
- Eliminate MRA making the deductible $750/1500
- Enhanced benefit for Advanced Imaging in non-facility setting on Black plan (waive coinsurance)
- OP infusion site of care requirement
- ER treatment subject to deductible and coinsurance
- Office Visits: $25 PCP / $40 Specialist
- No longer covering obesity surgery
- POS 11 services rendered subject to deductible and coinsurance
- Rx copays: $10/25/50/100
- Implement Magellan PBM to replace ASCEND
- No longer cover Covid-19 tests at pharmacy
- Standardize vision benefit, increase benefit to $350
- Increase dental maximum to $1300
- Add Teladoc services
- Add Behavioral Health Systems and EAP services
Employee Contributions for Black Plan Participants
Salaries under $25,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $17.72 | $35.44 |
| Double Coverage | $53.16 | $106.31 |
| Family Coverage | $67.66 | $135.32 |
Salaries $25,001 – $50,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $31.01 | $62.02 |
| Double Coverage | $85.05 | $170.10 |
| Family Coverage | $106.31 | $212.63 |
Salaries $50,001 – $75,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $44.30 | $88.60 |
| Double Coverage | $127.58 | $255.15 |
| Family Coverage | $159.47 | $318.94 |
Salaries $75,001 – $100,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $57.59 | $115.17 |
| Double Coverage | $159.47 | $318.94 |
| Family Coverage | $199.34 | $398.68 |
Salaries $100,001+
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $79.74 | $159.47 |
| Double Coverage | $233.89 | $467.78 |
| Family Coverage | $292.36 | $584.73 |
Full Premium (Employer plus Employee portions)
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $442.98 | $885.95 |
| Double Coverage | $1,063.14 | $2,126.28 |
| Family Coverage | $1,328.93 | $2,657.85 |
Orange Plan
- OP infusion site of care requirement
- ER treatment subject to deductible and coinsurance
- No longer covering obesity surgery
- POS 11 services rendered subject to deductible and coinsurance
- Rx copays: $10/25/50/100
- Implement Magellan PBM to replace ASCEND
- No longer cover Covid-19 tests at pharmacy
- Standardize vision benefit, increase benefit to $350
- Increase dental maximum to $1300
- Add Teladoc services
- Add Behavioral Health Systems and EAP services
Employee Contributions for Orange Plan Participants
Salaries under $25,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $74.47 | $148.93 |
| Double Coverage | $178.72 | $357.43 |
| Family Coverage | $255.16 | $510.32 |
Salaries $25,001 – $50,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $89.36 | $178.72 |
| Double Coverage | $214.46 | $428.92 |
| Family Coverage | $289.87 | $579.74 |
Salaries $50,001 – $75,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $109.22 | $218.43 |
| Double Coverage | $262.12 | $524.24 |
| Family Coverage | $327.65 | $655.30 |
Salaries $75,001 – $100,000
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $124.11 | $248.22 |
| Double Coverage | $297.86 | $595.72 |
| Family Coverage | $372.33 | $744.66 |
Salaries $100,001+
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $158.86 | $317.72 |
| Double Coverage | $381.26 | $762.52 |
| Family Coverage | $476.58 | $953.16 |
Full Premium (Employer plus Employee portions)
| Number of people | Biweekly | Monthly |
|---|---|---|
| Single Coverage | $496.44 | $992.87 |
| Double Coverage | $1,191.45 | $2,382.89 |
| Family Coverage | $1,489.31 | $2,978.62 |
Protect Your Finances
Kalamazoo College is proud to partner with Unum to offer Voluntary Life, Accidental Death & Dismemberment (ADD), and Accident Insurance. If you wish to make changes to Voluntary Life and ADD you may do that now. If you are keeping the same coverage you do not need to take action.
- Voluntary life insurance is life insurance coverage in addition to the basic life insurance that the College provides at no cost for you.
- Accidental death and dismemberment is coverage if you die or are diagnosed with a terminal illness.
- Accident insurance can pay you money for covered injuries and their treatment.
Unum Voluntary Life, Accidental Death & Dismemberment, and Accident Insurance Enrollment packets will be mailed to your address on file with the College or emailed to your K College email address.
Timeline
May 2024
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| 19 | 20 | 21 | 22 | 23 | 24 | 25 |
| 26 | 27 | 28 | 29 | 30 | 31 |
May 16, 2-3pm: Benefits Presentation in Olmsted, Mandelle
May 21, 10:30am -noon: Enrollment Assistance in 106 Mandelle
May 22, 11:00 – noon: Benefits Presentation in Olmsted, Mandelle
May 23, 3:00-4:30pm: Enrollment Assistance in 106 Mandelle
May 24, 1:30-2:30pm: Pre-65 Retiree Benefits Presentation in Olmsted, Mandelle
May 28, 10:00 – 11:00am: Benefits Presentation in Olmsted, Mandelle
May 29, 11:00am – 12:30pm: Enrollment Assistance in 106 Mandelle
May 15- May 31: Open enrollment
June 2023 do not use for 2024
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| 18 | 19 | 20 | 21 | 22 | 23 | 24 |
| 25 | 26 | 27 | 28 | 29 | 30 |
June 12: Unum Life Insurance forms due to HR
July 2023 do not use for 2024
| Su | Mo | Tu | We | Th | Fr | Sa |
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| 1 | ||||||
| 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| 9 | 10 | 11 | 12 | 13 | 14 | 15 |
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| 23/ 30 | 24/ 31 | 25 | 26 | 27 | 28 | 29 |
Open Enrollment – ASR Health, Dental, & Vision – Unum Voluntary Life, ADD & Accident Insurance 2024
ASR and Unum Enrollments will begin May 15, 2024. The plans and coverage you enroll in are effective July 1, 2024 through December 31, 2024. Any deductibles and co-insurances run January 1 through December 31. A special enrollment period will be held in Nov 2024 to enroll in benefits for the 2025 calendar year.
ASR Enrollment
ASR Health, Dental and Vision Insurance will be available through the Benefits Enrollment Online link May 15th, 2024 through June 1, 2024. The Benefit Enrollment link will be available on the Hornet HQ on May 15th. All current employees must use Benefits Enrollment Online to enroll for ASR Health, Dental and Vision Insurance during this Open Enrollment period.
Plans and costs are located on the Healthcare page. Salaries in effect on July 1, 2024 is used to determine the employee contribution.
Please please visit Benefits Enrollment Online if you need instructions how to enroll online.
If you need to update your ASR coordination of benefits please use the Coordination of Benefits form.
Unum Enrollment
Unum Voluntary Life, Accidental Death & Dismemberment (ADD), and Accident Insurance Enrollment packets will be mailed to your address on file with the College or emailed to your K College email address.
- If you wish to make changes to Voluntary Life and ADD you may do that now. If you are keeping the same coverage you do not need to take action. Evidence of Insurability may be required based on changes you decide to make.
- If you are enrolling for the first time in Voluntary Life and ADD you will be required to complete Evidence of Insurability.
- If you would like to elect Accident Insurance you may do that now. If you were enrolled previously in Accident Insurance you must turn in a new form to continue coverage.
- Unum plans and costs are effective July 1, 2024 through June 30, 2025.
- Unum forms are due to Human Resources by June 12, 2024.
If you have questions please email HR.Benefits@Kzoo.edu or Human.Resources@Kzoo.edu.
You can also ask Open Enrollment questions by visiting the Open Enrollment team on Microsoft Teams.
Frequently Asked Questions
Health, Dental, Vision
I wish to keep my health, dental, and/or vision insurance the same. Do I need to do anything?
Yes. Please log in to Hornet HQ to reconfirm your health, dental, and vision decisions.
When do the changes take effect?
Changes are effective on July 1, 2024. The health plan year continues through December 31, 2024. Another enrollment process will open in November 2024 for calendar year 2025.
When does my deductible reset?
Deductibles reset on January 1.
I had a change in other health insurance that I have. Do I need to do anything?
Yes, please update your ASR Coordination of Benefits form.
I see that employee contributions continue to be based in salaries. How does that work?
The annualized base salary in effect on July 1, 2024 is used to determine the employee contribution.
How are pre-65 retiree rates determined and what will they be?
Pre-65 retiree rates are based on the full premium (employer plus employee) with an approximate 30% discount. Pre-65 retirees who began their employment at K before October 2001 are eligible for the grandfathered rates.
Standard Monthly Health Insurance Rates
| Coverage | Black Plan | Orange Plan |
|---|---|---|
| Single | $620.17 | $794.30 |
| Double | $1,435.24 | $1,787.17 |
| Family | $1,860.50 | $2,382.90 |
Grandfathered Monthly Health Insurance Rates
| Coverage | Black Plan | Orange Plan |
|---|---|---|
| Single | $220.17 | $394.30 |
| Double | $1,035.24 | $1,387.17 |
| Family | $1,460.50 | $1,982.90 |
I don’t see any information about the dental and vision plans. Are there are changes for either of these plans?
Yes, there are changes to the dental or vision plans. Learn more about these plans by selecting the links below.
Where can I learn more about the health plan that is currently in place?
Life and Accident Insurance
I don’t want to make any changes to my life and/or accident insurance. What do I need to do?
Nothing. You do not need to take action if you wish to keep your life and/or accident insurance unchanged.
I am enrolling in voluntary life insurance and/or accident insurance for the first time at K. Is there anything else that I need to do?
Yes. If you are enrolling for the first time in voluntary life insurance and/or accidental death and disability insurance, you will be required to complete Evidence of Insurability. Unum will contact you directly about completing the Evidence of Insurability form.
When do changes take effect?
Unum plans and costs are effective July 1, 2024.
How much life insurance does the College purchase for me?
Generally, the College purchases 2x a person’s salary, up to $100,000 in coverage.