2022 Annual Enrollment

Step 1: If you haven’t already, check out this annual enrollment video, and be sure to share it with your family so you can make the best benefits choices together!

In 2022, we are incorporating industry-leading mental health benefits, increased access to care in-person and virtually, new programs for supporting your well-being and a comprehensive selection of benefits so you can create a personalized benefits package.

Medical Plan

• NEW $0 copay for mental health office visits (was $20).
• Medical contributions remaining the same or are reduced.
• NEW Omada for Diabetes program. Available starting November 1, 2021.
• NEW 2nd.MD second opinion service (previously Best Doctors). $75 VISA gift card for initial consultation. Available starting January 1, 2022.
• NEW 2022 UnitedHealthcare (UHC) Medical ID cards will be issued.
• Brown & Brown will continue in 2022 to pay HSA maintenance administrator fees for active teammates with an Optum Bank HSA account.

Dental Plan

• Deductible lowered for the High PPO plan to $50 for employee only, $150 for
  employee plus dependents.
• Annual maximum for High PPO plan increased to $2,000.
• 3.6% contribution increase for High PPO plan only.
• No change to rates or coverage for Low PPO plan.

Short Term & Long Term Disability

• There will be a mid-plan year carrier partner change. Starting April 1, 2022,
  both Short Term and Long Term disability coverage will be offered through The Hartford (currently provided through Cigna until March 31, 2022).
• Long Term Disability Buy-Up rate changing from $0.16 to $0.19 per $100 of
  covered monthly earnings per benefit per month.

Medicare Advocacy

• NEW benefit provided through Brown & Brown Eligibility Services.
• Teammates and/or family members eligible for Medicare often have questions
  on Medicare, Medigap, Medicare Advantage or Medicare Prescription Drug coverage. Brown & Brown Eligibility Services is the Medicare-focused arm of Brown & Brown Absence Services Group. Brown & Brown Eligibility Services can provide valuable education to assist with answering Medicare questions at no cost. To learn more about Medicare or Medicare related products and services, contact Brown & Brown Eligibility Services at 1-833-830-2386.

Flexible Spending Account (FSA) & Dependent Care Account (DCFSA) Changes 

• New elections are required for your healthcare FSA and/or dependent care (DCFSA). If you do not make new elections for 2022, your participation in these accounts will end. Elections do not roll-over from year to year. 

Commuter Benefits

• Commuter benefits continue to be offered through WageWorks (wageworks.com).  
• New York teammates should make elections for the Long Island Railroad and Metro North Railroad prior to 12/4/21 to be effective 1/1/22. All other elections and/or changes must be made by 12/10/21 for an effective 1/1/22 date. 

Step 2: Preview your 2022 benefit changes and thoroughly review the 2022 Benefits Guide for new plan year details.

• 2022 Summary of Benefits and Coverage
• 2022 Summary of Benefits and Coverage – Harvard Pilgrim (for teammates in Maine, Massachusetts, and New Hampshire)
• 2022 Medical Benefits Summary

Step 3: It is time to enroll!  Navigate the following links to confirm your 2022 benefit elections or waivers via ADP – ALL teammates must complete this process.

• Enroll with single sign-on access to ADP through our intranet, The Spot at inet.bbins.com
• If you know your ADP login information, navigate directly to ADP here.
  • Google Chrome is the preferred browser. 
  • Trouble accessing ADP? Email [email protected].
• Selecting 2022 commuter benefits? Visit wageworks.com.

Step 1: Preview your 2022 benefit options and thoroughly review the 2022 Benefits Guide for new plan year details.

• Hawaii Fully Insured HMSA HPH / PPP with HMSA Vision Medical Plans
  • 2022 HPH Summary of Benefits and Coverage (SBC)
  • 2022 PPP Summary of Benefits and Coverage (SBC)
  • 2022 Hawaii HMSA PPP & HPH with Vision Benefit Summary
• Hawaii Fully Insured Kaiser Hawaii With Kaiser Optical Medical Plan
  • 2022 Kaiser Summary of Benefits and Coverage (SBC)
  • 2022 Kaiser Summary of Benefits

Short Term & Long Term Disability

• There will be a mid-plan year carrier partner change. Starting April 1, 2022,
  both Short Term and Long Term disability coverage will be offered through The Hartford (currently provided through Cigna until March 31, 2022).
• Long Term Disability Buy-Up rate changing from $0.16 to $0.19 per $100 of covered monthly earnings per benefit per month.

Medicare Advocacy

• NEW benefit provided through Brown & Brown Eligibility Services.
• Teammates and/or family members eligible for Medicare often have questions
  on Medicare, Medigap, Medicare Advantage or Medicare Prescription Drug coverage. Brown & Brown Eligibility Services is the Medicare-focused arm of Brown & Brown Absence Services Group. Brown & Brown Eligibility Services can provide valuable education to assist with answering Medicare questions at no cost. To learn more about Medicare or Medicare related products and services, contact Brown & Brown Eligibility Services at 1-833-830-2386.

Flexible Spending Account (FSA) & Dependent Care Account (DCFSA) Changes 

• New elections are required for your Healthcare FSA and/or Dependent Care (DCFSA). If you do not make new elections for 2022, your participation in these accounts will end. Elections do not roll-over from year to year. 

Commuter Benefits 

• Commuter benefits continue to be offered through WageWorks (wageworks.com).  
• New York teammates should make elections for the Long Island Railroad and Metro North Railroad prior to 12/4/21 to be effective 1/1/22. All other elections and/or changes must be made by 12/10/21 for an effective 1/1/22 date. 

Step 2: It is time to enroll!  Navigate the following links to confirm your 2022 benefit elections or waivers via ADP – ALL teammates must complete this process.

• Enroll with single sign-on access to ADP through our intranet, The Spot at inet.bbins.com
  • If you know your ADP login information, navigate directly to ADP here.
    • Google Chrome is the preferred browser. 
    • Trouble accessing ADP? Email [email protected].
• Selecting 2022 commuter benefits? Visit wageworks.com.

Need help? Contact the Brown & Brown Team Resources Center!

• Phone: 1-866-505-0991 – Representatives available Monday-Friday from 8:00 a.m. to 6:00 p.m. ET, except holidays.
• Email: [email protected].

Step 1: Preview your 2022 benefit options and thoroughly review the 2022 Benefits Guide for new plan year details.

• Proctor Financial Fully Insured PPO Medical Plan 
  • 2022 BCBSM PPO SBC and Summary of Benefits
• Proctor Financial Fully Insured PPO/HSA Compatible Medical Plan 
  • 2022 BCBSM PPO/HSA SBC and Summary of Benefits 

In 2022, we are changing medical care to Blue Cross Blue Shield of Michigan (BCBSM) to enhance network access and improve teammate satisfaction. Along with this change, the employee contributions are decreasing on both the PPO and PPO/HSA plan.

The banking partner for the Health Savings Account (HSA) will be changing from Optum Bank to HealthEquity. We are also providing enhanced benefits on the High dental plan with a slight rate increase.

Medical Plan

• NEW medical plan: For the 2022 plan year, medical benefits will be provided through Blue Cross Blue Shield of Michigan (BCBSM). A PPO Plan and PPO/HSA Plan are available. The new BCBSM plans will be similar to the previous HAP plans, but with some enhancements and changes. Both plans will provide access to the nation-wide Blue Cross Blue Shield network of providers.
• PPO Plan Changes:
  • Reduced urgent care copay.
  • Decrease in total out-of-pocket maximum.
  • Increase to coinsurance maximum.
• PPO/HSA Plan Changes:
  • Increase in total out-of-pocket maximum.
• Changes to Both Plans:
  • Prescription drug copays.
  • Reduction in number of Chiropractor and PT/OT visits per plan year.

Health Savings Account

• NEW HSA provider: HealthEquity. HealthEquity is fully integrated with BCBSM. Beginning January 1, 2022, you can manage your HSA through the BCBSM portal at bcbsm.com or on the BCBSM mobile app.
• How to Transfer your Current Optum Bank HSA Account:
  • If you currently have an HSA with Optum Bank, the previous administrator, you can easily transfer these funds to your new HealthEquity account after January 1, 2022.
  • Visit healthequity.com/form to download a transfer form.
  • Return the completed form: Fax to 801-846-2929, Email to: [email protected], or Mail to: HealthEquity, Attn: Operations; 15 W. Scenic Pointe Dr., Suite 100; Draper, UT 84020.
  • HealthEquity will submit the form to Optum Bank to initiate the transfer of your balance to your HealthEquity HSA (less any applicable closing fees). The transferred amount will appear in your HealthEquity account within four to six weeks (processing timeframes and blackout periods may vary).
  • For questions on the transfer process call HealthEquity at 877-284-9840. Visit HealthEquity’s HSA webpage for helpful tools, forms and information on the HealthEquity HSA.

Dental Plan

• Deductible lowered for the High PPO plan to $50 for employee only, $150 for employee plus dependents.
• Annual maximum for High PPO plan increased to $2,000.
• 3.6% contribution increase for High PPO plan only.
• No change to rates or coverage for Low PPO plan.

Short Term & Long Term Disability

• There will be a mid-plan year carrier partner change. Starting April 1, 2022, both Short Term and Long Term disability coverage will be offered through The Hartford (currently provided through Cigna until March 31, 2022).
• Long Term Disability Buy-Up rate changing from $0.16 to $0.19 per $100 of covered monthly earnings per benefit per month.

Medicare Advocacy

• NEW benefit provided through Brown & Brown Eligibility Services.
• Teammates and/or family members eligible for Medicare often have questions on Medicare, Medigap, Medicare Advantage or Medicare Prescription Drug coverage. Brown & Brown Eligibility Services is the Medicare-focused arm of Brown & Brown Absence Services Group. Brown & Brown Eligibility Services can provide valuable education to assist with answering Medicare questions at no cost. To learn more about Medicare or Medicare related products and services, contact Brown & Brown Eligibility Services at 1-833-830-2386.

Healthcare FSA, Limited Purpose FSA & Dependent Care FSA

• New elections are required for your Healthcare FSA, Limited Purpose FSA and/or Dependent Care (DCFSA). If you do not make new elections for 2022, your participation in these accounts will end. Elections do not roll-over from year to year. 

Commuter Benefits 

• Commuter benefits continue to be offered through WageWorks (wageworks.com).  
• New York teammates should make elections for the Long Island Railroad and Metro North Railroad prior to 12/4/21 to be effective 1/1/22. All other elections and/or changes must be made by 12/10/21 for an effective 1/1/22 date. 

Step 2: It is time to enroll!  Navigate the following links to confirm your 2022 benefit elections or waivers via ADP – ALL teammates must complete this process.

• Enroll with single sign-on access to ADP through our intranet, The Spot at inet.bbins.com.
• If you know your ADP login information, navigate directly to ADP here.
  • Google Chrome is the preferred browser. 
  • Trouble accessing ADP? Email [email protected].
• Selecting 2022 commuter benefits? Visit wageworks.com.