Open Enrollment
2022 Open Enrollment
November 10 – November 23, 2022
Take Action
You must enroll during Open Enrollment if you want Allied Universal® medical, dental, and/or vision coverage, flexible spending accounts and/or a health savings account effective January 1, 2023.
If you are currently enrolled in voluntary life insurance, short and/or long-term disability, legal, accident, hospital and critical illness plans, these coverage(s) will carry over into 2022 unless you make a change to your coverage.
State Health Insurance Mandates
If you live in California, Massachusetts, New Jersey, Rhode Island, Vermont or Washington, D.C., you will be required to maintain minimum essential medical coverage to avoid incurring a state income tax penalty.
What’s New for 2022
Allied Universal is committed to offering our employees a range of benefit options. Every year, we take a close look at our benefits program and consider changes that could better support your total well-being and are cost effective. For 2022, the changes to benefits are:
| Benefit | 2022 Changes |
|---|---|
| New carrier for Minimum Value Plan (MVP) medical coverage option | Beginning January 1, 2022, Anthem will replace Boon as the carrier for the MVP medical plan option. The plan will continue to offer many of the same in-network benefits as the current Boon MVP, with some enhancements. There is no out-of-network coverage. Prescription drug benefits will be provided through Express Scripts. |
| New Kaiser Hawaii Choice medical option | Beginning January 1, 2022, employees in Hawaii will have an additional medical option available through Kaiser. This is a PPO plan that allows members to use non-Kaiser providers for health care services. |
| Cigna Dental PPO (DPPO) enhancement | Beginning January 1, 2022, the Cigna DPPO will cover adult orthodontia. |
| New carrier for Pet Insurance | MetLife will replace Nationwide as the carrier for Pet Insurance. Contact MetLife at www.metlife.com/allieduniversal/ or 1-866-937-7387. |
| Purchasing Power | Purchasing Power is a purchasing program available to Allied Universal employees that allows you to purchase brand name computers, appliances, furniture, electronics and more through automatic payroll deductions. For more information about this program, go to Allied.PurchasingPower.com or call 1-888-923-6236. |
| FinFit | FinFit offers a variety of educational tools, assessments and other resources to help you manage your budget, keep track of bills and financial accounts, consolidate student loans, and access your ADP paystub, W2, 401(k) information and more. FinFit also provides short-term loans that are repayable through payroll deductions. For more information about this program, go to www.myfinfit.com or call 1-888-928-7248. |
Next Steps for Open Enrollment
1. Review What’s New for 2022 to learn about the changes we’re making for next year.
2. Comparison shop and select the plans that are right for you and your family. Which medical plan should you select for 2022? Consider your 2022 health care needs, review Allied Universal’s medical plans, compare them with your spouse or domestic partner’s options and visit the Insurance Marketplace to find the plan that’s best for your needs and your budget.
3. Make your elections November 10 – 23, 2022. See How to Enroll for details.
Choose from Dependent Coverage Tiers
You will be able to choose from four coverage “tiers” that enable you to select the coverage you need for you and your family. You can choose from:
• Employee Only,
• Employee plus Spouse,
• Employee plus Child(ren), or
• Employee plus Spouse plus Child(ren)
Dependent Eligibility Audit
As part of our efforts to manage the overall cost of Allied Universal’s benefits program and to ensure compliance with our plan rules, Allied Universal has contracted with a third-party to verify only eligible dependents are enrolled in our plans. An eligible dependent is considered to be: your legally married spouse or domestic partner and/or your dependent child(ren) up to age 26, as defined in the Allied Universal Health and Welfare Benefit Plan and Summary Plan Description. Review a full list of eligible dependents.
Be sure to review your dependents’ eligibility and do not enroll those who are not eligible for coverage. You will be required to provide documentation proving your dependent(s) are eligible for Allied Universal coverage, such as:
- Marriage Certificate,
- Proof of domestic partnership, such as documentation of registration or if your state or local government does not have a registry, a signed Affidavit of Domestic Partnership or Civil Union
- or Birth certificate, for children.
If it is determined that you have enrolled ineligible dependents, they will be removed from coverage retroactively and you may be required to repay any benefits paid on their behalf. Providing false, incomplete or misleading information for the purpose of receiving benefits under the Allied Universal benefit plans may result in disciplinary action or other adverse consequences up to termination of employment.