When is Open Enrollment? Open enrollment is scheduled for October 29 through November 14, 2025 for the 2026 benefits plan year.
Who can participate? All benefits-eligible employees, including employees who qualify for benefits under the requirements of the Affordable Care Act.
I don’t want to make changes to my benefits. Do I need to do anything? Your current elections will automatically roll over if you do not make changes. However, you will need to elect and confirm your wellness credits and elect your FSA, if you choose to have one.
When will my benefits elections take effect? January 1 of the following year.
Can I change my elections more than once during Open Enrollment? Yes, you can make changes up until 10:59 p.m. on the last day of enrollment.
What if I don’t want benefits – can I waive them? Yes, just select waive benefits during Open Enrollment.
I got married and/or had a child this past year. Can I add new dependents to my insurance? Yes. You just need to submit a copy of the marriage license and/or birth certificate before the Open Enrollment deadline.
Who pays for the health insurance that Memorial provides under its two medical plans? It’s a shared cost between Memorial and you, but Memorial pays for around 75% of the cost of benefits coverage, and you pay the other 25%.
What are the differences in the deductibles between the two plans? MMCP and MCHP cover services after you meet your annual deductible: $100 individual/$300 family for MMCP, and $1,000 individual/$2,000 family for MCHP.
How can I save money on my health insurance? By completing your annual preventive exam before the deadline, and by being tobacco-free, you can receive wellness credits and pay less.
What does the Humana Vision plan cover? The vision plan covers part of your annual eye exam, lenses and frames every two years and also offers a contact lens allowance, Lasik discounts, and 20% off a second pair of glasses.
What’s the difference between the two dental plans? The DPPO plan offers flexibility with in- and out-of-network dentists, includes coinsurance and a $2,500 annual max, while the DHMO plan has no annual max, fixed copays for services, and only covers in-network care.
