UPG Open Enrollment Information

UPG Open Enrollment

Open Enrollment is now closed. However, you may refer to the below information regarding the plan year July 1, 2023 - June 30, 2024.

Open Enrollment is your opportunity to make elections for the upcoming plan year of July 1, 2023 - June 30, 2024.

This is your annual opportunity to add or drop a plan, change plan level (for dental), and make changes to your covered dependents without having a qualifying life event. For those employees with life insurance through Guardian, Open Enrollment provides an opportunity, with limits, to initiate or increase your coverage, without needing to submit Evidence of Insurability. You can also re-enroll in or start a flexible spending account during this time.

What is staying the same?

The medical insurance plan remains with Anthem. There will be some valuable plan enhancements, highlighted below. Due to utilization trends, there will be a rate increase.

Guardian remains the vendor for Dental and Vision coverage and the rates remain unchanged

Flexible Spending Options through McGriff Insurance remain the same. There is an increase in the maximum allowed for the medical FSA.

What is changing?

Health insurance rates are increasing by 11%. You'll find the rate sheet below.

We’ve added Anthem’s Gene Therapy solution coverage for four high-cost gene therapy medications. 

There are several Anthem Plan Enhancements of note:

  • Expansion of the PreventiveRx – additional medications, including certain cardiovascular and mental health medications.  The new flyer is linked below under Anthem Resources.
  • Rehabilitative Services will now include coverage for physical medicine and rehab services rendered by VA licensed Athletic Trainers, with certain restrictions
  • Virtual mental health and substance abuse visits with a LifeHealthOnline provider will now have zero co-pay.
  • Expansion of the Specialty Condition management program
  • Expansion of covered durable medical garments
  • Anyone who uses a BlueCard PPO provider – when out of network – will receive the tier 2 in-network benefit.
  • Building Healthy Families program replaces Future Moms program

As a plan administration enhancement, and to align with UVA, UPG will, starting July 1, 2023, allow 60 days to request an applicable change to benefits due to a qualifying life event.

As a reminder, last year we eliminated the part-time rate differential.  All benefit eligible employees pay the same rate for health insurance coverage. 

Critical to Know:

  • You must complete your choices for Open Enrollment between May 22 - June 2, 2023 in Workday. For Workday-related assistance, please see the Open Enrollment job aid (will be available May 22).
  • Open Enrollment closes at 5:00 pm on June 2.
  • 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.
  •  FSA accounts MUST be re-elected each year by completing your Workday open enrollment event. If you have an FSA and do not complete the Workday event, your FSA election will default to waived starting on July 1, 2023. If you have unused medical FSA deductions, $570 will rollover to the new plan year that you can continue to use. The rollover amount will increase to $610 in the coming plan year. 

Elections take effect July 1, 2023. The plan year deductions will first be reflected on your July 14 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

    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, 2023 – June 30, 2024 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:


    Employee Rate Sheet
  • Voluntary Dental and Vision Insurance

    UPG will offer voluntary dental and vision plans through Guardian. There are two dental plan options from which to choose based on the level of dental coverage you and your family need. View details in the Dental Plan Summary document below to compare the Base and High Plans.

    There is a vision benefit for a routine eye exam within the health insurance plan (see summary above). However, employees have an option to elect a buy-up vision plan through Guardian that proves for material benefits as well as the routine eye exam. 

    Dental and Buy Up Vision insurance is fully employee-paid. 


    Employee Rate Sheet
  • 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: $3,050
    • Dependent Care Annual Contribution Limit: $5,000

    The plan year is July 1, 2023 – June 30, 2024. 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 $610 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, 2023 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, 2024 to capture the missed deductions.

    Our FSA vendor is McGriff Insurance.

    FSA Resources

  • Life Insurance

    UPG provides Basic Life and Accidental Death and Dismemberment insurance to managers and staff that is 200% of annual salary. For those who wish to supplement this coverage, Guardian is extending a special open enrollment opportunity this year. This Open Enrollment period only, eligible staff and managers have an opportunity to purchase additional life insurance for themselves, their spouse and/or children up to the guaranteed issue amount without Evidence of Insurability, even if they have waived this previously.  

    Please note: this does not apply to employees with life insurance coverage through MetLife.  

    Details are below:

    • You may elect up to $200,000 for yourself without submitting certification of good health. If you already carry supplemental life above $200,000, your current rate is grandfathered.
    • You may elect up to $30,000 for your spouse, without submitting certification of good health. If you already carry spousal supplemental life above $30,000, your current rate is grandfathered. Coverage purchased for spouse can 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 guaranteed issue amounts, you will be required to submit Evidence of Insurability to the carrier. Guardian will mail this form to you. In that case, the coverage beyond the guaranteed issue amount will not go into effect until Guardian has approved your application.
    Person Covered Guaranteed Issue Amount Max Policy Value
    Self $200,000 $500,000
    Spouse $30,000 $100,000
    Child $20,000 $20,000


Completing Your Enrollment

Elections are completed in Workday. Beginning May 22, you will have an Open Enrollment task in your Workday Inbox. 

For assistance in Workday:

For questions, please email the UPG Benefits Team: RBENEFITS@uvahealth.org