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LSSU Employee Benefits 2027

This page shares information about LSSU medical, dental, vision, and voluntary benefits for employees

Open Enrollment is your annual opportunity to change your benefit coverage. Changes made during the year are only allowed if you have a Qualified Life Event. Two information sheets are linked below.

>> Start Here: Open Enrollment Guide <<

>> Open Enrollment and Qualified Life Events <<

 

If you are not changing your medical plan and need to renew your HSA participation, you can use the HSA election form.

If you are not changing your medical plan and need to renew your FSA participation, you can use the FSA election form.

 

Important Dates - Open Enrollment

Open Enrollment begins November 2, 2026

Open Enrollment closes November 13, 2026

Register for “Choosing the Right Health Plan”

 

AP Benefit Information

> BCBSM Plan Offerings

Summary of Plan Options

Traditional PPO Plan, 500/1000 Deductible and FSA
Document: AP Benefits at a Glance Traditional PPO-500 Plan
Document: Formulary: Traditional PPO-26 Plan (172)

PPO HD-17 Plan, 1750/3400 Deductible, HSA, and BenExtend
Document: AP Benefits at a Glance PPO HD-1750 Plan
Document: Formulary: PPO HD-17 Plan (108/109)

PPO HD-30 Plan, 3000/6000 Deductible, HSA, and BenExtend
Document: AP Benefits at a Glance PPO HD-3000 Plan
Document: Formulary: PPO HD-30 Plan (183/184)

PPO HD-63 Plan, 6350/12700 Deductible, HSA, and BenExtend
Document: AP Benefits at a Glance PPO HD-6350 Plan
Document: Formulary: PPO HD-63 Plan (157)

Dental & Vision Coverages
Document: AP Dental & Vision Benefits at a Glance

> Active HSA & FSA Enrollment Required

Active enrollment is required each year for HSA & FSA (medical and/or dependent care).

Document: HSA Contribution and Match Schedule for AP

Document: HSA Enrollment & Contribution Election Form

> Enrollment Form for AP Employees

Click here to access / download the Enrollment Form

Send your completed form to HR.

Please note: If you’re enrolled in any part of Medicare (Parts A, B, or D), you are not eligible to make or receive HSA contributions. Please consult a Medicare expert and HR before changing coverage.

See Aflac, OE Support, and other information below!

ESP Benefit Information

> BCBSM Plan Offerings

Summary of Plan Options

PPO HD-17 Plan, 1750/3400 Deductible, HSA, and BenExtend
Document: ESP Benefits at a Glance PPO HD-1750 Plan
Document: Formulary: PPO HD-17 Plan (108/109)

PPO HD-30 Plan, 3000/6000 Deductible, HSA, and BenExtend
Document: ESP Benefits at a Glance PPO HD-3000 Plan
Document: Formulary: PPO HD-30 Plan (183/184)

PPO HD-63 Plan, 6350/12700 Deductible, HSA, and BenExtend
Document: ESP Benefits at a Glance PPO HD-6350 Plan
Document: Formulary: PPO HD-63 Plan (157)

Dental & Vision Coverages
Document: ESP Dental & Vision Benefits at a Glance

> Active HSA & FSA Enrollment Required

Active enrollment is required each year for HSA & FSA enrollment (dependent care).

Document: HSA Contribution and Match Schedule for ESP

Document: HSA Enrollment & Contribution Election Form

> Enrollment Form for ESP

Click here to access / download the Enrollment Form

Please note: If you’re enrolled in any part of Medicare (Parts A, B, or D), you are not eligible to make or receive HSA contributions. Please consult a Medicare expert and HR before changing coverage.

See Aflac, OE Support, and other information below!

Faculty Benefit Information

> Faculty BCBSM Plan

Traditional PPO 250/500
Document: Faculty Benefits at a Glance PPO-250
Document: Formulary: Traditional PPO Custom Drug List

Dental & Vision Coverages
Document: Faculty Dental & Vision Benefits at a Glance

> Active FSA Enrollment Required

Active enrollment is required each year for FSA enrollment (medical and/or dependent care).

> Enrollment Form for Faculty Employees

Click here to access / download the Enrollment Form

Return your completed form to HR.

See Aflac, OE Support, and other information below!

Aflac Supplemental Plans

> University Provided Aflac for HD Plan Enrollments

The BenExtend plan is provided by LSSU for those who are enrolled in one of the HD plans.

Video: BenExtend For HD Enrollments Overview

> Voluntary Aflac Plans

All employees have the option to voluntarily enroll in supplemental coverage plans offered by Aflac. Information on three plans is shared below.

Aflac LSSU – Critical Illness
Video: AFLAC Critical Illness Voluntary Plan

Aflac LSSU – Hospital Indemnity
Video: AFLAC Hospital Indemnity Voluntary Plan

Aflac LSSU – Accident
Video: AFLAC Accident Voluntary Plan

> Aflac Enrollment Form

Form: Aflac Enrollment Form for Voluntary Employee Paid Plans

 

Opt Out - Medical / Dental / Vision

> Don’t Need Medical/Dental/Vision Coverage?

Qualifying employees can opt out of their medical/dental/vision coverage and receive a $100/pay-period stipend ($2,600/year).
Qualifying employees are those individuals who have coverage under any LSSU medical/dental/vision plan.
Employees who elect to opt out must confirm that they do not have coverage through another LSSU policyholder and acknowledge that they are declining university-provided medical/dental/vision benefits for the upcoming plan year.
To opt out, submit an enrollment form indicating that you are opting out. Opt-outs from the current year do not roll over to the coming year.

Explainer Videos and Handouts

Explainer videos and handouts are available to help you better understand aspects of the plans and the open enrollment process.

Medical Plan, FSA, and HSA

Video: HSAs Explained

Document: Understanding FSAs and HSAs

Video: Traditional PPO compared to HD PPO Plans

Video: PPO Plans and HSA Strategy Explained

Video: Overview of LSSU Plans with Mike Hagerty

Video: How Medical Plans Work with Mike Hagerty

 

FSA & HSA Account Management

We are transitioning from Health Equity to Lively for FSA & HSA accounts. This change will allow us to access improved customer service and more efficient account management. See the following documents for more information.

Document: Lively: A Better Experience

Document: Lively: Transition FAQs

Document: Lively: Startup Guide

 

 

COBRA Retiree Information

> COBRA BCBSM Plan Offerings & Rates

Retiree COBRA BCBSM Plan
Document: Benefits at a Glance Traditional PPO-500 Plan
Document: Retiree Dental / Vision Benefits at a Glance

 

Contact Support

> Have Questions or Need Help?

If you have questions or need help with any aspect of Open Enrollment, feel free to contact the following:

> Medical Plan and Open Enrollment Team

Christine Coon
(616) 222-5462
[email protected]

Kyle Chestnut
(616) 222-1266
[email protected]

LSSU HR
(906) 635-2213
[email protected]

> Aflac Team

Micha Castro
210.757.4273
[email protected]

Lisa Mattern
210.348.4184
[email protected]

Walter Sprang
M 210.885.9301
[email protected]