Benefit Choice (SEGIP)

The Benefit Choice period for FY 2019 has ended.

Benefit Choice is your annual opportunity to make changes to your State of Illinois benefits:

  • Health, dental, AD&D and life insurance
  • Dependent coverage
  • Opt out (full-time employees) of State of Illinois health and dental insurance coverage (with proof of comprehensive health coverage, from a source other than plans administered by CMS)
  • Waive (part-time employees 50% - 99%) State of Illinois health and dental
  • Enroll or re-enroll in the Flexible Spending Account (FSA) Program for the upcoming plan year

Typically, Benefit Choice is available from May 1 through May 31, and any plan changes become effective July 1 of the same calendar year.

Benefit Choice is now completed through CMS MyBenefits. You will need your CMS-issued Employee ID Number (EIN) to log on. This is not the same as your University ID Number (UIN) or NetID. If you have lost or forgotten your EIN, please use the self-authentication process available on CMS MyBenefits or call the MyBenefits Service Center at 844-251-1777 or TDD/TTY 844-251-1778.

Benefit Choice Options Booklet

View the FY 2019 Benefit Choice Options booklet

This booklet contains the most current information regarding changes for the upcoming plan year (July – June). Please carefully review the booklet before making any changes.

For a summary of the changes, see the "What Is Changing" section of the booklet.

Changing Health Plans

During Benefit Choice, you may change health insurance plans. Enrolling in a health insurance plan automatically enrolls you in the vision insurance plan, at no additional cost.

Changes to health insurance are made through CMS MyBenefits.

Types of Health Insurance Coverage

You can elect a health plan in one of three types of plans, with providers dependent on your location. Select from the links below to read about your options:

Primary Care Physicians and HMO/OAP Limitations

See the Managed Care Plan Map in the FY 2019 Benefit Choice Booklet for the plans available in your area.

If you select an HMO Plan, you must select a Primary Care Physician (PCP) for yourself and each covered dependent. When making your selection, you will be required to enter your PCP's National Provider Identification (NPI) number. Some HMOs also require a medical group code. See the provider directory links for more information about these codes.

Keep in mind that in an HMO plan your PCP will direct all healthcare services and will make referrals for specialists and hospitalizations. You can only change your PCP by calling your insurance plan's Customer Service department directly. See your insurance card for this phone number.

In most cases, HMO benefits (and some OAP benefits) are not available for you or your dependents if you reside outside the service area, such as children attending college away from home. See the Managed Care Plan Map in the FY 2019 Benefit Choice Booklet. Contact your health plan administrator for passport or reciprocity programs. If you have concerns about specific benefit limitations or exclusions, contact your health plan administrator directly.

Dependents

Important: Dependent Social Security numbers are required when enrolling in State benefit programs.

All insured dependents must be enrolled in the same health and dental plans as the employee. Employees electing to opt out or waive health plan coverage may only enroll their dependents in life insurance coverage. Dependents can be dropped from the dental plan, or from both the health and dental plans. Dependents dropped from the health plan will also lose dental coverage.

When both parents are State employees, either employee may elect to cover children as dependents, but the same dependent cannot be enrolled under both employees for the same type of coverage. For example, eligible dependents may be enrolled under one parent for health and dental coverage and enrolled under the other for life coverage. If you and your spouse are both State employees, neither may enroll as a dependent of the other.

Changing State Life Insurance and AD&D Coverage

During Benefit Choice, you may apply for or increase life insurance coverage on the optional State plan for yourself, your spouse and your eligible dependents.

Dependents who meet the eligibility requirements for health and dental insurance are eligible for optional life insurance. Relationship documentation is required.

You may also add or change Accidental Death and Dismemberment (AD&D) coverage.

Changes are made through CMS MyBenefits.

Enrolling and Re-enrolling in the Flexible Spending Account (FSA) Program

Important: The FY 2019 maximum annual contribution amount for the Medical Care Assistance Plan (MCAP) is $2,650 and for the Dependent Care Assistance Plan (DCAP) is $5,000 per household.

For more detailed information on the Flexible Spending Account program, see the Flexible Spending Accounts page or the State of Illinois Flexible Spending Account Program booklet.

During Benefit Choice, you may elect to participate in the Flexible Spending Account (FSA) program. If you are currently enrolled in the FSA program you must re-enroll each plan year to continue participating in this program. Any balance remaining (up to $500) in your MCAP account may roll over to the next year, only if you re-enroll for the next plan year. Remaining funds will be forfeited per IRS regulations if you do not re-enroll in the following plan year or if your MCAP balance exceeds $500. Enrollment and re-enrollment are completed through CMS MyBenefits.

The FSA is a simple way to set aside tax-free money for eligible medical and/or dependent care expenses. You can enroll in the Medical Care Assistance Plan (MCAP) and/or the Dependent Care Assistance Plan (DCAP). Your FSA money will be automatically deducted from your pay, before taxes, and deposited into an account, with a variety of ways to access your funds when you have eligible medical or dependent care expenses.

Dependents do not need to be enrolled in your health/dental plan to be eligible for participation in the FSA MCAP program.

Benefit Choice Resources

FY 2019 (Beginning July 1, 2018)

FY 2018 (July 1, 2017 through June 30, 2018)

Questions?

For questions about Benefit Choice or State of Illinois benefits, contact the MyBenefits Service Center at 844-251-1777 or TDD/TTY 844-251-1778, Monday – Friday 8:00 a.m. – 6:00 p.m. CT.

For questions about eligibility or University plans, contact University Payroll and Benefits.