Benefits Enrollment

Benefit Enrollment Options

As a new BJC employee or a current employee who becomes eligible for benefits during the year, and each year during annual enrollment, you and your eligible dependents can choose to enroll in the following benefit options through the enrollment tool on myBJCnet:

When Can I Enroll?

New Employees

As a new employee, you have 15 days from your hire date to enroll in your benefits on myBJCnet. If you experience a change in your job status (e.g., you change from part-time to full-time employment), you have 31 days to enroll or make changes to your benefits. You may also change your benefit elections during the year if you experience a Qualified Family Status Change, also known as a Life Event, such as marriage or birth of a child.  

Annual Enrollment

Every fall BJC announces an annual enrollment period in which you are required to enroll.  Annual enrollment provides you with an opportunity to review your benefit options, choose the options that best meet your needs, and re-enroll in the flexible spending accounts. Watch this video for an overview of annual enrollment for 2017(You must be logged in to the BJC network in order to access this video.)

Annual enrollment for 2017 benefits is November 2-16, 2016. Learn more about 2017 benefits here.

Life Events -- Qualified Status Change 

If you experience a qualified change in status event during the plan year, you must request your election change within 31 days, and your coverage will be effective as generally described in the Life Events section of enrollment. If the change in status event is birth, adoption or placement for adoption, coverage will be effective on the date of the event. If you marry, coverage for your spouse will begin on the first day of the month on or after your marriage. 

Making Changes to Benefits on myBJCnet 

  • To make changes to your benefits, visit the “Enroll Due to Life Events” link on myBJCnet (myHR).
  • The change must be on account of and consistent with the qualified change in status event.
  • Your coverage will be effective on the first day of the month on or after the date of your change in status event.
  • If you do not change your elections within 31 days of a qualified change in status event that causes your dependent to lose eligibility under the option, the ineligible dependent’s coverage will still terminate as of the last day of the month in which he or she became ineligible.

Eligibility

Am I Eligible to Enroll in Benefits?

You are eligible to enroll in benefits if you are classified as a regular full-time employee who works at least 35 hours per week (70 hours per pay period), or as a regular part-time employee who works at least 24 hours per week (48 hours per pay period).

Can I Enroll My Dependents?

Yes. You can cover your dependents in the benefits you elect, including your spouse, your children up to age 26 or your disabled child of any age.

BJC’s Summary Plan Description defines a child as an employee’s natural child, step child, legally adopted child, or a child placed with you for adoption. Your dependent cannot be enrolled in benefits by more than one BJC employee. Please see the Benefits Summary Plan Descriptions for more detail. 

Working Spouse Contribution

During benefits enrollment, you will be asked to electronically sign an affidavit about whether your spouse has access to a group medical plan through his or her employer.

A BJC employee whose spouse is eligible for his/her employer’s group medical coverage, but chooses to cover his/her spouse under BJC’s Medical Plan, will pay an additional $50 per pay period toward the spouse’s medical coverage. This is called the “Working Spouse Contribution (WSC).

The Working Spouse Contribution will not apply under certain conditions. See "WSC Exemptions."

Working spouses of Memorial employees are not eligible for BJC medical coverage if they have access to group medical coverage from their employer and, therefore, are not subject to the Working Spouse Contribution.

Waiving Coverage

If you waive health care coverage for yourself and your eligible dependents because you have other coverage, you can elect coverage with BJC at a later date as long as you meet the eligibility criteria and you involuntarily lose your other coverage or acquire a new dependent. 

When Coverage Begins for Employees and Dependents

In general, coverage for you and your eligible dependents will begin on the first day of the month after 30 days of employment, provided you complete your online enrollment within 15 days of your hire date.

Residents, your medical coverage will begin on your hire date. All other coverage will begin on the first day of the month after 30 days of employment, provided you complete your online enrollment within 15 days of your hire date. 

When Coverage Ends for Employees and Dependents 

In general, coverage for you and your covered dependents will end the last day of the month in which you terminate employment, cease to be eligible, or the last day of the year if you cancel coverage during annual enrollment. 

COBRA Continuation Coverage 

You and your qualified dependents may be offered COBRA continuation coverage when your coverage under the Plan (medical, dental and/or vision) would otherwise end because of a “qualifying event.”

How to Enroll

Enrolling in benefits is easy. Here's an easy-to-follow, step-by-step guide for completing the enrollment process.

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