UPG Open Enrollment Information

UPG Open Enrollment

This page contains Open Enrollment information for the plan year July 1, 2021 - June 30, 2022.

Critical to Know:

  • You must complete your choices for Open Enrollment between May 24 - June 4, 2021 in Workday. For Workday-related assistance, please see the Open Enrollment job aid.
  • Open Enrollment closes at 5:00 pm on June 4.
  • For the plan year July 1, 2021 - June 30, 2022, there are no plan changes. 
  • For health insurance, there will be a 10 percent reduction in employee premium from the current year rates. We are in a unique position this year regarding insurance utilization for the group and, while we are pleased to be able to offer this reduction for the 2021/2022 plan year, we do not anticipate this reduction will be able to stay in place in future plan years. 
  • Voluntary dental and vision premiums remain the same.
  • If you do not wish to make any changes and do not complete the Workday event, your current insurance plans will continue as they are currently. 
  • FSA accounts MUST be re-elected each year by completing your Workday open enrollment event. If you have an FSA and do not complete Workday event, your FSA will terminate June 30, 2021.

Open Enrollment determines your elections for the upcoming plan year of July 1, 2021 - June 30, 2022.

This is your annual opportunity to add or drop a plan and make changes to your covered dependents without having a qualifying life event. For dental, you can also change your coverage level at this time. For those employees with life insurance through Principal, Open Enrollment provides an opportunity to increase your coverage without needing to submit Evidence of Insurability.

Elections take effect July 1, 2021. The plan year deductions will first be reflected on your July 16th paycheck. After Open Enrollment, you will only be able to make changes if you experience a qualifying life event. 

Please review the sections below regarding insurance, flexible spending accounts, and life insurance options.

Insurance Benefits

  • Health, Dental, and Vision Overview

    Plans will remain the same for the upcoming plan year July 1, 2021 – June 30, 2022. 

    Once elections are made, they cannot be changed mid-year unless there is a qualifying life event. All deductions are pre-tax and paid on a bi-weekly basis.

    Rate Sheet for July 1, 2021 – June 30, 2022 for Health, Dental, and Vision

  • Health Insurance

    UPG offers Health insurance through Anthem. 

    Virginia residents who elect coverage will be enrolled in the Anthem Healthkeepers plan. This is an open access point of service plan and no referral is needed for specialist visits. The network is a Virginia-based network of providers.

    Employees living outside the Commonwealth of Virginia who elect coverage will be enrolled in the Anthem KeyCare plan. 

    The assigned plan is based on residence and an employee cannot elect between the two. Premiums for the two plans are the same.

    Both plans include a vision benefit of one routine eye exam per plan year per member.

    The cost of health insurance premiums is shared between UPG and the Employee. 


    Virginia Residents:

    Non-Virginia Residents:


  • Vision Insurance

    Health insurance includes a vision benefit for a routine eye-exam.  However, employees have an option to elect a buy-up vision plan that proves for material benefits as well as the routine eye exam. 

    The Buy UP Vision is employee-paid. 



  • Dental Insurance

    Dental coverage is available for UPG employees through United Concordia Dental, in the Elite Plus network. There are two plan options from which to select based on the level of dental coverage you and your family need. View details in the document below comparing the High Plan and the Base Plan.

    Dental insurance is employee-paid. 


  • Flexible Spending Account

    If you wish to contribute to you Flexible Spending Account (FSA), you must elect the amount in Workday each year during Open Enrollment.

    UPG employees have the opportunity to enroll in a Flexible Spending Account (FSA) for health care out-of-pocket expenses and/or for dependent daycare expenses.

    • Medical FSA Annual Contribution Limit: $2,750
    • Dependent Care Annual Contribution Limit: $5,000

    The plan year is July 1, 2021 – June 30, 2022. Once elections are made, they cannot be changed mid-year unless there is a qualifying life event. All deductions are pre-tax and paid on a bi-weekly basis.

    Flexible Spending Accounts are "Use it Or Lose It". Funds that are not expensed by the end of the plan year are forfeited, so please consider your contribution amount carefully. However, the UPG Medical FSA does allow for $550 unused funds to be rolled over into the next year’s medical FSA.

    Important note regarding limits: While UPG’s Plan Year runs July – June, the annual contribution limits are tied to the tax year, per IRS regulations. Therefore, if you started a benefited position with UPG after January 1, 2021 and maximized either of these plans, maximizing again MAY lead you to exceed the calendar year IRS limits. If you reach the limit in the tax year, Workday will stop your deduction for the remainder of the year and a manual adjustment will be processed in January, 2022 to capture the missed deductions.

    Our vendor for FSA is McGriff Insurance.

    FSA Resources

  • Life Insurance

    During Open Enrollment, eligible staff and managers have an opportunity to purchase supplemental life insurance for themselves, their spouse or children or to increase their supplemental life insurance if they already participate.

    • You may elect an additional $10,000 or $20,000 for yourself without needing to complete Evidence of Insurability.
    • You may elect an additional $5,000 or $10,000 for your spouse without needing to complete Evidence of Insurability, provided coverage purchased for spouse does not exceed what you have purchased for yourself.
    • You may also elect coverage for your child (a flat $20,000 life policy), provided coverage purchased for yourself is equal to, or greater than, $20,000.
    • If you wish to purchase additional coverage beyond these limits or your elections exceed the personal coverage limit of $200,000 (self) and $30,000 (spouse), you will be prompted to submit Evidence of Insurability to the carrier. When applicable, Workday will send this to you as an additional task. In that case, the increased premium rates will not go into effect until Principal has reviewed and approved your application.


Completing Your Enrollment

Elections are completed in Workday. Beginning May 24, you will have an Open Enrollment task in your Workday Inbox. 

See the Open Enrollment job aid for Workday assistance.

For questions, please email the UPG Benefits Team: RBENEFITS@hscmail.mcc.virginia.edu