Researching insurance options before you enroll

 2.   Learn about your options  

You may find these videos useful as you research your insurance options.

 3.   Double-check which providers are in-network 

 4.   Make your decisions 

Before going through the enrollment process, make sure you know how you want to answer the following questions:

1. Which plan(s) do you wish to enroll in?
2. How many individuals do you want to cover? Plans have coverage levels like "self only," "self and spouse," etc. that you will choose from when enrolling.
   1. Confirm eligibility: For any dependents who are already covered by your plan(s), make sure they are eligible to be covered.
      • For example, most children can be covered only until they reach age 26. To confirm your dependents are eligible, consult the applicable summary plan description(s) (SPD).
   2. New dependents: You will need to specify any spouse/sponsored adult dependent or child you want to cover in each plan.
      • For every dependent you are adding to a plan, you will need their full name, birth date and Social Security number.
   3. Proof of Relationship: Proof of Relationship (POR) is required in order to enroll new dependents.
      • After you complete your enrollment, submit supporting documentation to the HR Service Center or your campus HR Generalist within the required time frame.
      • See the Proof of Relationship form (PDF) for more information.
3. Where possible, do you want to enroll on a pre-tax or after-tax basis? 
   • Premiums are deducted from your paycheck automatically, and selecting pre-tax or after-tax determines the order in which taxes and premiums are deducted.
   • If you're not sure which is best for you, watch the pre-tax vs. after-tax premiums (2:47) video for help.

 5.   Submit your plan choices

Enrolling in myHR

Full step-by-step instructions on completing the enrollment process, with screenshots, is available on the myHR Training webpage.

1. Open your internet browser and navigate to myHR (myhr.umsystem.edu) (Firefox or Chrome recommended). Log in with your username and password. Click “Sign In.”
2. Click the “My Benefits” tile. Then, to access the self-service application, select “Benefits Enrollment” or "Life Events" from the menu on the left side of the screen (depending on the type of change).
3. Follow the instructions on your screen to select and submit your plan choices or waive coverage.
4. After you click the “Submit Enrollment” button, a “Benefits Alerts” pop-up will appear stating your enrollments have been submitted. Click “Done.” An email confirmation will be sent to your university email account so you know your submission was received.
   • Note: You are not done with your enrollment until you click both the “Submit Enrollment” button as well as the “Done” button on the pop-up screen.
5. When your Confirmation Statement has been generated, you will receive another email to your university email account with steps on how to view/print your confirmation statement.
   • Newly-benefit eligible employees and employees experiencing a life event receive their statement within a few days of enrolling. Those enrolling during Annual Enrollment receive their statement mid-December.