With so many benefit choices, you have important decisions to make. You will have support every step of the way, with access to education and resources that help you understand your options and the enrollment process.
Mercer Marketplace 365+ enrollment website – Visit the Mercer Marketplace 365+ website to find educational information and decision-support tools to help you select the benefits that are right for you. These tools allow you to:
2022 benefits program presentations – Watch the Overview module. At the end of the presentation, you’ll be prompted to open a PDF document with links to view other presentations which include specific plan details. These recorded presentations can be watched at your convenience, from work or home.
As you review your options, take an active role in managing your costs by selecting the right amount of coverage for your needs — remember, you’ll pay more from your paycheck for plans with lower deductibles and higher cost-sharing when you need care, but if you don’t expect to need a lot of care, higher deductible plans could save you money overall.
2022 Medical, Dental and Vision
You can view your 2022 premium rates for medical, dental and vision coverage through the links below:
2022 Life Insurance and Long-Term Disability:
Use this checklist to prepare.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (deductibles and coinsurance).
The key difference between the plans is how much you pay from your paycheck and how much you pay toward the cost of health care you receive throughout the year. Consider how you prefer to handle costs. For instance, would you rather pay extra every pay period for a medical plan that covers more of your costs when you need care, or pay as little as possible from your paycheck — even if that means bigger bills at the time you receive services? The other consideration is that the three high deductible health plans allow you to contribute to an HSA, but the $900 Deductible Plan does not.
The way the Health Care FSA and the HSA work is largely the same — you contribute to your account through automatic, pre-tax payroll deductions, then use the money to pay for eligible health care expenses. However, there are some important differences. For example, all the money in an HSA rolls over year after year and is always yours to keep, whereas you can only carry over $550 in a Health Care Flexible Spending Account. With an HSA, you must have the funds available in your account to pay for an expense; an FSA allows you to reimburse yourself up to the total amount you choose to contribute for the year — even if the money has not yet been contributed to your account. It’s also important to note that you cannot contribute to both an HSA and Health Care FSA at the same time; however, you can contribute to both an HSA and a Combination FSA.
Benefits counselors are available by phone through Mercer Marketplace’s dedicated Transamerica Benefits Center at 866-891-4274 or via secure online chat on the Mercer Marketplace 365+ website, Monday through Friday between 6 a.m. and 8 p.m. CT.
After your benefits enrollment ends, benefits counselors can assist you with making coverage changes if you have a qualifying event during the year, help you locate providers and specialists and answer questions about how your benefits work.