Who needs to engage with Open Enrollment via ADP?

 

All eligible employees who need to complete one or more of the items listed below must participate in the ADP Open Enrollment process between November 1 and November 22nd.

 

  • Continue participation in a Flexible Spending Account (FSA)
  • Continue participation in a Dependent Care Account (DCA)
  • Continue making Health Savings Account (HSA) contributions through payroll deductions
  • Keep an eligible spouse or domestic partner enrolled on your medical plan
  • Enroll in or continue the Health Plan Waiver Incentive
  • Make any changes to your benefit elections

If none of the above apply, no action is necessary. Your current benefit elections will carry forward into 2027. Please note that all employees will be subject to the 2027 plan updates, including the transition to United Concordia Dental and the move to the National Select Formulary for prescription coverage. See the Important Benefit Updates and Changes section below for more information and 2027 medical rates.

Additionally, if you've completed the Be Well @ Juniata Wellness Incentive by October 31, 2026, your discount to the medical base rate will be applied to your ADP profile after Open Enrollment ends. Therefore, the rate shown during the ADP Open Enrollment event is the base rate and not the wellness rate. Employees who have completed the program will receive a notification from Human Resources by November 6th.

ADP Open Enrollment Instructions can be found HERE.

Recording of Open Enrollment Meeting HERE.

 

Important Benefit Updates and Changes:

 
Medical Coverage: 

Juniata will continue offering three Medical Plan Options in 2027. Juniata will offer the PPO Gold option with a $500/1,000 deductible, the Qualified High Deductible Health Plan coupled with a Health Savings Account (HSA) with a $1,750/3,500 deductible, as well as the PPO Blue option with a $2,000/4,000 deductible. Please note that all Juniata plans fall under Highmark's PPO Blue Network. This is different than the name differentiation using the colors Gold and Blue, chosen for Juniata's colors. 

PLAN CHANGES FOR 2027:

    • Effective January 1, 2027, prescription coverage under all medical plans will move to the National Select Formulary. Members and their healthcare providers will be notified in advance if any medications they currently take are affected by this change.
    • Qualified High Deductible Health Plan (QHDHP) annual deductible will be increasing from $1,700 to $1,750 for employee only coverage, and from $3,400 to $3,500 for two person or family coverage. This change is required to retain the status of a Qualified High Deductible Health Plan per the minimum deductible amounts released by the IRS for 2027. Juniata's Employer HSA Contribution for 2027 will be $500 for employee only coverage and $1,000 for two person or family coverage.
  •  Be Well @ Juniata Incentive savings continues with a set amount of savings for each plan. Employee rates remain unchanged from 2026; there will be no increase for 2027. Please see the rates HERE.

MEDICAL PLAN INFORMATION:

    • PPO Blue $2,000/4,000 and PPO Gold $500/1,000: The PPO Blue plan functions in the same way as PPO Gold plan; same co-pays, network, covered services and medication formulary, with a higher deductible in exchange for lower monthly premiums. The services that apply to your deductible are the same under both the PPO Gold and PPO Blue plan and remain unchanged from prior years.
      • What applies to the deductible? Inpatient care, lab work and diagnostic services ( MRI, CAT, PET scan etc.), Basic Diagnostic Services ( standard imaging, labs/pathology and allergy testing), maternity services, Other Therapy Services ( cardiac rehab, infusion therapy, chemotherapy, radiation therapy and dialysis), vasectomy, home health care, hospice, Infertility counseling, Testing and Treatments, and Private Duty Nursing.
      • The family deductible is a specified dollar amount of covered services that must be incurred by covered family members before the program begins to provide payment for certain benefits. For a family with several covered dependents, the deductible you pay for all covered family members, regardless of family size, is specified under family deductible. To reach this total, you can count the expenses incurred by two or more covered family members. However, the deductible contributed towards the total by any one covered family member will not be more than the amount of the individual deductible ( $500 for the PPO Gold or $2,000 for the PPO Blue). If one family member meets the individual deductible and needs to use benefits, the program would begin to pay for that person's covered services even if the deductible for the entire family has not been met.
      • 2026 PPO Gold Plan Information ($500/1000) and 2026 PPO Blue Plan Grid ( $2,000/4000)
    • Qualified High Deductible Health Plan (QHDHP) annual deductible will be increasing from $1,700 to $1,750 for employee only coverage, and from $3,400 to $3,500 for two person or family coverage. This change is required to retain the status of a Qualified High Deductible Health Plan per the minimum deductible amounts released by the IRS for 2027. Juniata College will continue to contribute monies into an HSA account for those enrolled in the QHDHP at the annual amount of $500 for employee only and $1,000 for two person and family coverage. 
      • What applies to the deductible? All services ( outside of preventive care) ; therefore, this plan requires the employee to meet the deductible before the plan pays for any covered services or prescriptions. 
      • For a family with several covered dependents, the deductible you pay for all covered family members, regardless of family size, is specified under family deductible. To reach this total, the entire family deductible must be satisfied in one benefit period by
        one or more family members. Benefits for any individual member of the family will not be payable until the family deductible has been satisfied. Once the family deductible is met, no further deductible amounts must be satisfied by any covered family member.
      • 2026 QHDHP Plan Information ($1,700/3,400)
    • 2027 Medical Rates can be found HERE. Employee rates remain unchanged from 2026; there will be no increase for 2027. Please note that if you've completed the Be Well @ Juniata Wellness Incentive by October 31, 2026, your discount to the medical base rate will be applied to your ADP profile after Open Enrollment ends. Therefore, the rate shown during this ADP Open Enrollment event is the base rate and not the wellness rate. 
      • Employees who have completed the program will receive a notification from Human Resources. If you have not received an email by November 6th confirming completion and believe you have completed the program, please email Paige Hower at howerp@juniata.edu.
Voluntary Dental Coverage: 
  • NEW for 2027: Dental insurance will be provided through United Concordia's Elite Plus Network. If you do not make any changes in ADP during Open Enrollment, your current dental coverage will automatically transition to United Concordia for 2027.
  • Dental rates have decreased for the 2027 plan year; find new rates HERE.
  • United Concordia Benefit Summaries available HERE. 
    • 2027 enhancements include:  preventive services will no longer count toward the Annual Maximum Benefit under both the High and Low Plan, the United Concordia High Plan will now provide 60% coverage for implants, and the United Concordia Low Plan will now include coverage for surgical extractions. All other dental benefits and coverage levels will remain unchanged.
  • REMINDER: United Concordia will send a welcome letter with a paper ID card. Employees are encouraged to register for online portal acces, where you can save a digital ID cards, print replacement cards, monitor claims, and locate in-network providers. Please register HERE. 
Vision Coverage: (no changes for 2027)
  • VBA covers an exam every 12 months
  • VBA covers lenses every 12 months
  • Material Allowance for contacts (in lieu of eyeglass benefits) is $125 every 12 months
  • Frames wholesale allowance every 24 months is $75 (approximately $175 to $210 retail value)
  • Additional Plan Information can be found HERE.
  • You can check your eligibility HERE.
Flexible Spending Account (FSA) and Dependent Care Account (DCA):
  • Enrollments must be completed through ADP's Open Enrollment Portal and no separate enrollment is needed. These benefits continue to be offered through Ameriflex. 
  • Detailed information on FSA's and DCA's HERE. 
  • The annual maximum for your health FSA for 2027 is $3,500. The maximum carryover amount for your FSA is $680-- i.e. you can carryover $680.00 from 2026 into 2027. 
  • The annual maximum for dependent care DCA's has increased to $7,500.
  • Please note that QHDHP participants are not eligible to enroll in an FSA account but can contribute to an HSA account. QHDHP participants can enroll in a Dependent Care Account ( DCA).
  • FSA Store
Health Spending Account ( HSA):
  • Enrollments must be completed through ADP's Open Enrollment Portal and no separate paper form is needed.
  • Detailed information on HSA's HERE. 
  • The annual maximum for an HSA is $4,500 for employee only coverage and $9,000 for two-person and family coverage with the opportunity for an additional $1,000 catch-up contribution for anyone 55+. Please note Juniata's employer contribution is included in the annual maximum limits. For example: Employee A, age 55, is enrolled in employee-only coverage. Because Juniata contributes $500 to the employee's HSA, Employee A may contribute a maximum of $5,000. Together, these contributions total $5,500, the annual HSA contribution limit for individuals age 55 and older.
Other Information:

Medical Plan Information