2021 Benefits Open Enrollment ONLINE

Nov. 2 - 16, 2020

Which Medical Plan is Best for Me?

In This Guide

What to Know

Open enrollment is your once-a-year opportunity to review and update your benefit elections to make sure they continue meeting your needs. Enrollment for your 2021 benefits will be from November 2 – 16, 2020. This is an active enrollment so you will need to take action and select your benefit elections, even if you are not making changes from last year.

It’s especially important that you review the benefits materials on this webpage carefully to understand the differences between benefit election options. Although there are no benefits plan design changes for 2021, there are a few differences to help better manage benefit costs.

How to Enroll

Employees will not be able to make 2021 benefit elections in SmartBenTM until the Open Enrollment period is available (Nov. 2, 2020 through Nov. 16, 2020).

All benefit elections will be made using SmartBenTM.

All benefits-eligible employees must log-in to SmartBenTM. The system is available 24 hours a day, 7 days a week during Open Enrollment so you can make your benefit elections for 2021.

Log-in with your BearID and Password at: www.baylor.edu/smartben.

Need help with SmartBen? Then use our SmartBenTM Guide.

Information Session Video Recordings

During Benefits Open Enrollment, employees can learn more about the following Topics: Overview of medical, dental, vision, and voluntary insurance offerings for 2021, Blue Cross/Blue Shield, Member Rewards Program, Benefits Value Advisor, Virtual Visits, HSA, FSA, Prescription Plan, AFLAC, Employee Assistance Program, and more!

  • Benefits Open Enrollment Information Sessions - led by the Baylor Benefits Team which will provide an overview of the medical, dental, vision, and voluntary insurance plans offered for 2021.

  • Benefits Open Enrollment Vendor Sessions - led by representatives from Blue Cross/Blue Shield, CVS/Caremark, BenefitsWallet, and Guidance Resources-Employee Assistance Program.

  • Benefits Open Enrollment AFLAC Sessions - led by AFLAC representatives to discuss additional medical insurance availability for employees.

What's New for 2021

Great News! There are no benefits plan design changes for 2021! However, be sure to review your plan elections and premiums and select the best option for you and your family.

Below are two important items to be aware of as you plan your benefits enrollment for 2021.

PrudentRx Copay Program: Baylor has partnered with PrudentRx to assist you in obtaining specialty prescription medication(s) for free. The PrudentRx Copay Program only applies to individuals that are enrolled in the Low Deductible Plan (PPO) and are currently taking specialty medications. These are high cost medications typically used for chronic/complex conditions (such as multiple sclerosis, rheumatoid arthritis, or cancer).

  • The program allows you to get your specialty medications for $0.00!
  • It’s simple! All you need to do is select Baylor’s Low Deductible Plan (PPO) and then enroll with PrudentRx. Be on the lookout for instructions on how to enroll in this program directly from PrudentRx!

Dependent Eligibility Audit: As an organization, it is important to prudently keep overall benefits costs down so we can provide you with competitive health care plans. To help manage these costs, we are partnering with HMS Employer Solutions to complete a dependent verification audit for our health plan. This standard audit confirms only currently eligible dependents are being provided insurance coverage.

If you have dependents enrolled in one of Baylor’s medical plan options, you will receive a letter at your home address from HMS Employer Solutions. The letter will explain the steps you must take to keep coverage on your enrolled dependents, including submitting evidence of eligibility (EOE) directly to HMS Employer Solutions.

When you receive correspondence from HMS Employer Solutions, please read and follow the instructions carefully as there are specific due dates. Failure to follow the instructions could result in loss of coverage for your dependents.

2021 Benefits Brochure

Download and view the entire 2021 Benefits Brochure online below.

NOTE: The 2021 Premium Schedule monthly payment amounts (listed on pages 7 & 8) are based on the benefits-eligible employee's salary as of January 1, 2021.

This Open Enrollment brochure summarizes benefit plans that are available to benefit-eligible employees at Baylor University. This brochure is meant only to cover the major points of benefit plans, and it does not contain all of the details that are included in summary plan descriptions.

While every effort has been made to ensure the accuracy of information in this guide, if there is ever a question about one of these plans and policies, or if there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern. Examples shown within this brochure are for illustration purposes only and your individual situation may vary.


Visit our Benefits Open Enrollment FAQ webpage to learn more and get answers to common open enrollment questions.

Contact HR

If you have additional questions regarding the 2021 Benefits Open Enrollment which are not answered through this webpage, please email askHR@baylor.edu.