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2020 Open Enrollment

Open Enrollment Period for 2020 Benefits

This year’s benefits Open Enrollment Period will run from Wednesday, November 6, through Friday, December 6, at the end of the business day. “Open Enrollment” refers to the official, annual period when employees can make changes to their benefit plans for the following plan year. This is your chance to enroll in health, dental, or vision plans, add or drop a dependent, switch plans or drop a plan. The Open Enrollment Period is also the only time when employees can enroll for a health-care or dependent-care Flexible Spending Account (FSA) through Benefit Strategies.

All Open Enrollment changes must be made through Workday. For information and instructions on the process, please visit the Workday Help Site. If you do not make any changes, your 2019 elections will continue with the exception of you Flexible Spending Account (FSA).

For any questions, please contact Human Resources at or call the office at 413-585-2270.

What You Need To Do for Open Enrollment

All Open Enrollment changes need to be completed through Workday. This is a passive enrollment. If there are no changes, Workday will continue your 2019 elections at 2020 deduction rates (if applicable) with the exception of the FSA.

If Newly Electing or Making Changes to Health, Dental or Vision

This is your annual chance to enroll in health, dental or vision plans, add or drop a dependent, switch plans, or drop a plan. All changes need to be submitted through Workday by December 6, by the end of the business day.

Rate Comparison Sheet

Deduction Tier Structure

Who you enroll in each plan will determine your deduction tier for health, dental and vision coverages:

  • Employee
  • Employee plus Spouse
  • Employee plus Child(ren)
  • Family—Employee, Spouse, plus Child(ren)

Please note the deduction differences between tiers and what defines them. If you see any inconsistencies between your tier and your listed dependent(s), please contact HR at or call 413-585-2270

Health Plan Options: Tools to Help You Choose

2020 Health Plans

Compare each plan to see which works best for you:

Summaries of Benefits and Coverage

Health Plan Comparison Tool

Use the Health Plan Comparison Tool below to help you determine which health plan (Value HMO, HMO, HDHP with HSA, or POS) may be the best option for you. This tool will estimate your total out of pocket costs (combined premiums and cost of care) for all four plans. The tool allows you to estimate your health needs for 2020 and uses average costs for different services along with Smith's actual premiums to arrive at the estimated total cost for each plan.

NOTE: While the HDHP with HSA has the lowest premium, please keep the annual deductibles and out-of-pocket maximums in mind for any services you require.

Download the Excel tool to your computer:

Prescription Drugs

OptumRx will continue to be our prescription drug administrator for 2020. Prescription information will continue to be included on your Harvard Pilgrim insurance cards.

OptumRx will be providing a new service to members called PillarRx, specifically for those on specialty prescriptions. If applicable, members of PillarRx will reach out to you regarding enrollment information and you could potentially have a lower copay on your specialty prescriptions.

Dental Plans

There have been no changes made to the dental plans for 2020.

NOTE: You cannot waive in and out of dental coverage on a yearly basis. For example, you cannot elect a dental plan, have high-cost work done, waive the coverage the next year, and then elect coverage again a year later. However, you can switch enrollment between the Value Plan and the High Plan.

Vision Plan

There have been no changes made to the vision plan for 2020.

Flexible Spending Accounts (FSA)

If you want to have a Health Care FSA and/or a Dependent Care FSA for 2020, you must elect the benefit in Workday. Do not go through the Benefit Strategies website. Your elections will be sent to Benefit Strategies via Workday.

Please remember to choose a payment election for your FSA before submitting your Open Enrollment event.

Health Savings Accounts (HSA)

The HSA is only available to members on the HDHP plan. You can change contributions to this account at any time during the year, which means you can lump sum the annual maximum contribution amount in your first pay period(s). Otherwise, you can set regular bi-weekly contributions up to the annual maximum. These will appear in your account the week after a payroll.

For any additional questions about the HDHP with HSA, please contact the HR office.

NOTE: You cannot have a Healthcare FSA and HSA under any of the Smith College plans. However, you can have a Dependent Care FSA as well as a HSA.

PrivacyArmor by InfoArmor

As a voluntary benefit, Smith College will be offering identity theft protection starting January 1, 2020. This will be available to all benefits eligible employees and is completely voluntary. You can opt in and out of the plan at any time during the year.

The Family plan will cover any individuals in your household even if they are not a dependent on your insurance. For example, if you have a parent physically living in your household and is financially dependent on you, they are eligible for identity theft protection through your PrivacyArmor Family plan.

No Changes for 2020?

If you are not making any changes to your health, dental and vision insurance, or if you are continuing to waive these plans, you do not have to do anything. Your current elections will simply continue at the 2020 premium rates.

Remember, if you want an FSA for 2020, you must enroll through Workday. Please check your listed dependents and their personal information (date of birth, SSN, etc.) as this will affect dependent insurance coverage and Dependent OneCard eligibility.

Non-Benefits-Eligible Employees

For those employees who are not benefits-eligible, you’ll find health insurance options through the Commonwealth Health Connector by calling 1-877-MA-ENROLL (1-877-623-6765) or by visiting