Human Resources

2025 Open Enrollment

Open Enrollment is an annual opportunity to assess your individual or family needs. Elections made during Open Enrollment will be effective January 1, 2025.

The 2025 Open Enrollment is an active enrollment, which means all benefits eligible employees are required to complete Open Enrollment.
(Casual/Seasonal/Short-Term and student employees are not benefits eligible).

Benefits Plan Year: January 1 - December 31, 2025
Open Enrollment Period: November 11 - November 25, 2024

2025 Benefits Guide

Benefits Open Enrollment Informational Sessions:

*A recorded informational session will be available following the first session

What is changing for 2025?

  • A new Open Enrollment platform, "Employee Navigator", will be used this year instead of Banweb.
    • Specific instructions on how to access and operate Employee Navigator will be sent directly to each benefits eligible employee's MTU email by Friday, November 8th.
    • Employees will receive an email from Employee Navigator on the first day of Open Enrollment that will include a registration link to create their account, as well as a Michigan Tech Company Identifier code. 
      • Please note: You will set up a new username and password for access to Employee Navigator. You will be asked to provide your date of birth, the last four digits of your Social Security Number, and Michigan Tech Company Identifier to enable your account. 
      • Enrollment Instructions:
        • Click the link in the email sent to you by Employee Navigator. Create an account, and create your own username and password. You must include the Company Identifier: MichiganTU
        • To begin your open enrollment:
          • Verify and enter some personal information for you and your dependents.
            • Note: Tobacco usage is a required field due to the Critical Illness benefit option for employees.
          • Enter Social Security Numbers and dates of birth for eligible family members.
          • Select your benefits elections.
          • Benefits will be finalized only after your sign and authorize your elections.
        • After clicking Start Enrollment you'll need to complete some personal and dependent information before moving to your benefits elections.
        • To enroll dependents in benefits, click the checkbox next to the dependent's name under Who am I enrolling?
          • Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.
          • Click Save & Continue at the bottom of each screen to save your elections. If you do not want a benefit, click Don't want this benefit? at the bottom of the screen and select a reason from the drop-down menu.
        • If you have elected benefits that require a beneficiary designation, or completion of an Evidence of Insurability form, you will be prompted to add those details
        • Review the benefits you selected on the enrollment summary page to make sure they are correct, then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.
          • Please note: The non-medical subsidy of $105 per month, the subsidy for enrolling in the HDHP 2 plan, and premiums for Designated Eligible Individuals will not be included in the summary calculations in Employee Navigator. Employees will need to refer to their pay stubs to view biweekly amounts.
        • Tips:
          • If you miss a step, you'll see Enrollment Not Complete in the progress bar with the incomplete steps highlights. Click on any incomplete steps to complete them.
          • Have dependent details available. To enroll a dependent in coverage, you will need their date of birth and Social Security Number.
      • Additionally, Employee Navigator will not be used to update your matching retirement contributions (403b).
        • Employees can complete the Retirement Election & Allocation form to have changes effective 1/1/2025.
        • Employees wanting to keep their current matching retirement contribution amount(s) do not have to complete the form. Your current contribution amount(s) will continue in 2025.
  • Group health insurance plan changes:
    • Increase to the Employee premiums for PPO & HDHP1.  
  2024 Premiums New 2025 Premiums
HDHP1
  • Employee Only: $4/month
  • Employee + Spouse: $8/month
  • Employee + Child(ren): $6/month
  • Employee + Family: $12/month
  • Employee Only: $8/month
  • Employee + Spouse: $17/month
  • Employee + Child(ren): $15/month
  • Employee + Family: $24/month
PPO
  • Employee Only: $100/month
  • Employee + Spouse: $200/month
  • Employee + Child(ren): $185/month
  • Employee + Family: $285/month
  • Employee Only: $135.68/month
  • Employee + Spouse: $284.92/month
  • Employee + Child(ren): $257.78/month
  • Employee + Family: $407.03/month
    • Improved HDHP1 Employee coinsurance.
  •   Services 2024 Employee Coinsurance
    (In-Network)    		 New 2025 Employee Coinsurance
    (In-Network)
    HDHP1






    		 Office Visits

    35%

    after deductible

    20%

    after deductible
    Mental Health
    Virtual Visits
    (Telehealth)
    Office Consultations
    Pre-Surgical Consultations
    Non-Emergency use
    of Emergency Room
    Postnatal Care Visits
    Chiropractic
    Durable Medical Equipment
    Prosthetic & Orthotic Devices
    Allergy Testing & Therapy
    Physical, Occupationals and Speech
    Therapy
    • Increase to the Out-of-Pocket Maximum (OOPM) for HDHP1.
  2024 Out-of-Pocket Maximum
(In- Network)		 New 2025 Out-of-Pocket Maximum
(In- Network)
HDHP1 $3,000/$6,000
(Individual/Family)		 $4,000/$8,000
(Individual/Family)
  • WEX will be replacing HealthEquity for Health Savings Accounts (HSA).
    • All 2024 HSA claims will be processed through HealthEquity. 
    • Interest Rate Comparison - WEX vs. Health Equity
    • Employees who currently have an HSA will have the option to leave their balance(s) with HealthEquity or transfer the balance(s) to WEX.
        • WEX will provide an individual credit equal to the $25 closure fee for each employee who transfers their balance(s) from Health Equity, as long as the employee has a positive balance of at least $500 at the time of transfer.
        • If you chose to leave your balance(s) with HealthEquity, the following fee schedule will apply:
 

Monthly Administration Fee

 Electronic Statement Fee
(if enrolled)		 Paper Statement Fee Account Closure Fee
Account balance over $2,500 Free Free $1.00 per statement $25
Account balance under $2,500 $3.95 monthly Free $1.00 per statement $25
  • Flexible Spending Accounts (FSA) will now be administered through WEX.
  • Infusion site of care benefits.
    • Employees who receive medical infusion drugs at inpatient medical facilities will now have these same services available for in-home administration or at an ambulatory infusion site.
  • Addition of "2nd. MD", a virtual, medical second opinion service through BCBSM.
  • Addition of virtual primary/urgent/mental telehealth through "First Stop Health".
    • Continuation of the current virtual, urgent care visits through "Teledoc Health".
  • Voluntary Life Insurance and Accidental Death & Dismemberment insurance benefits will be combined, and offered in increments of $10,000.
    • Additional Life Insurance: $10,000 to $500,000
    • Spouse Life Insurance: $10,000 to $250,000
    • Child Life Insurance: Flat $10,000
  • A group Medicare Advantage plan is being offered through RetireeFirst beginning January 1, 2025.
    • Please note: Enrollment in retiree insurance is not part of the regular open enrollment process. For more information, please visit the Retiree Benefits website.

For more information, please contact Benefit Services at hr-help@mtu.edu or 906-487-2517