Open enrollment

four yellow rubber ducks following a larger yellow rubber duck with the words 'get your ducks in a row,' written in dark blue text, underneath the graphic and 'open enrollment 2020' written in lighter blue text below that

October 1-31, 2020

During open enrollment, eligible subscribers may change their coverage for the following year. PEBA wants to help you get your ducks in a row to select your insurance benefits for 2021. Start thinking now about what changes you might want to make to your insurance coverage. Be on the lookout, too, for the ducks on PEBA’s enrollment pond. They can help you understand your options, so you’ll be ready to get your ducks in a row!

Any changes that you make during open enrollment take effect January 1, 2021.

The 2021 Insurance Summary has details about open enrollment options for active employees and includes an open enrollment worksheet. The 2021 Insurance Benefits Guide (IBG) describes all PEBA-sponsored insurance benefits.

If your current coverage quacks like a duck and you're satisfied with your coverage, you don’t need to do anything. Your coverage will continue in 2021. Keep in mind, though, you must re-enroll in MoneyPlus flexible spending accounts each year. You can re-enroll in MoneyPlus and make any other eligible changes online using MyBenefits at mybenefits.sc.gov. If you’re unsure what insurance coverage you currently have, just log in to MyBenefits to find out. While you’re logged in, take a few minutes to review your life insurance beneficiaries and make any updates.

Open enrollment highlights for active employees

  • Enroll in or increase your Optional Life coverage up to $50,000 without medical evidence.
  • Enroll in Supplemental Long Term Disability (SLTD) coverage without medical evidence.
  • Change your benefit waiting period from 180 days to 90 days for existing coverage without medical evidence.

Open enrollment options for active employees

Choose your health plan.

Consider how much you will spend on medical care to determine how much you should contribute to your MoneyPlus account.

Choose your vision coverage.

  • Enroll in or drop State Vision Plan coverage for yourself and/or your eligible dependents.

Consider how much you will spend on vision care to determine how much you should contribute to your MoneyPlus account.

Choose your additional life insurance coverage.

  • Enroll in or increase Optional Life coverage up to $50,000 without medical evidence.
  • Enroll in or increase Optional Life coverage (over $50,000) or Dependent Life-Spouse coverage with medical evidence.
  • Drop or decrease Optional Life and Dependent Life-Spouse coverage.
  • Enroll in or drop Dependent Life-Child coverage.

If you want to enroll in or increase Optional Life coverage over $50,000 or Dependent Life-Spouse coverage, your benefits administrator will give you a Statement of Health form to complete and return to MetLife.

You can enroll in or increase your Optional Life coverage up to $50,000 through MyBenefits. For life insurance open enrollment changes that require medical evidence (Optional Life coverage over $50,000 or Dependent Life-Spouse coverage), you must complete a Notice of Election form, sign it and return it to your benefits administrator by October 31, 2020. Your benefits administrator will submit the form to PEBA once he receives approval for coverage from MetLife.

Choose your additional long term disability coverage.

  • Enroll in Supplemental Long Term Disability (SLTD) coverage without medical evidence.
    As a reminder, you can apply for SLTD throughout the year with medical evidence.
  • Change your benefit waiting period from 180 days to 90 days for existing coverage without medical evidence.
    As a reminder, you can change your benefit waiting period from 180 days to 90 days for existing coverage throughout the year with medical evidence.
  • Change your benefit waiting period from 90 days to 180 days for existing coverage without medical evidence.
  • Drop coverage.

Choose your MoneyPlus elections.

Remember you can carry over up to $550 of unused Medical Spending Account (MSA) and Limited-use MSA funds into the next plan year. Take this into consideration when you make your election. If you enroll in the Savings Plan and are not enrolled in a Health Savings Account (HSA), consider enrolling in one. If you already have an HSA, you do not need to re-enroll, but consider whether you would like to change your contribution amount.

Open enrollment options for retirees, survivors, COBRA subscribers and former spouses

Choose your health plan.

Choose your vision coverage.

  • Enroll in or drop vision coverage for yourself and/or any eligible dependents.

How to make changes

Log in to MyBenefits to make your coverage selections during open enrollment. You will need to register if you don’t already have a MyBenefits account. View our Setting Up a New MyBenefits Account flyer to learn how to register.

Keep in mind that changes to existing dental coverage can be made only during open enrollment in odd-numbered years. Your next opportunity to make a change will be October 2021 or within 31 days of a special eligibility situation.

If you want to enroll in or increase Optional Life or Dependent Life-Spouse coverage that requires medical evidence, be sure to get a Statement of Health form from your benefits administrator and submit it to MetLife. Then, complete a Notice of Election form, sign it and return it to your benefits administrator by October 31, 2020. Your benefits administrator will submit the form to PEBA once he receives approval for coverage from MetLife.

Some coverage changes, including enrolling a dependent who is not covered under any benefit, require supporting documentation. You can upload documents through MyBenefits. Keep in mind that PEBA must receive the documents by December 1 to approve the changes.

Follow up on your open enrollment changes.

At the beginning of December 2020, log in to MyBenefits and select Review Benefits from the drop-down list to see your 2021 benefits. If you notice any errors, contact your benefits administrator immediately.

Retirees, survivors, COBRA subscribers or former spouse subscribers of a state agency, public higher education institution or public school district should contact PEBA. If you are a retiree, survivor, COBRA subscriber or former spouse subscriber of an optional employer, contact the benefits administrator at the optional employer with which you have a coverage relationship.

What happens if you miss open enrollment?

Open enrollment ends October 31, 2020, at 11:59 p.m. Once the deadline has passed, you must wait until either the next October or until you have a special eligibility situation. These occur after life events like getting married or having children. Insurance changes must be made within 31 days of a qualifying event.

Questions?

Talk to your benefits administrator or call PEBA’s Customer Contact Center at 803.737.6800 or 888.260.9430.