Open enrollment is your opportunity to review your medical, dental, vision, and reimbursement account benefit elections and make any changes necessary to ensure your choices continue to meet your needs.

If you wish to participate in the Health Care and/or Dependent Care Reimbursement Accounts for 2023, you must enroll (or re-enroll). Participation in the reimbursement accounts does not automatically continue from year to year.

If you do not make changes to your medical, dental or vision coverage, your current medical, dental and vision coverage elections for 2022 will continue for 2023.

Open Enrollment 2023: Oct. 17 (2 p.m.) to Oct. 28, 2022 (6 p.m.)

• Decisions to Make During Open Enrollment
• 2023 Plan Highlights and Changes
• What You Need to Know for Open Enrollment 2023

Decisions to Make During Open Enrollment

Open Enrollment is the one time of year when benefit eligible employees can enroll in or change their medical, dental and/or vision insurance plans, and enroll in reimbursement accounts. Changes made during open enrollment are effective on January 1, 2023. Here's what you need to decide this year:

1. Which medical plan best meets my needs and the needs of your covered family member? Duke offers four different medical plans. Carefully consider the network available, (particularly if your dependents live outside of the Triangle Area), any specific health providers that you see, or a need to cover dependent pregnancy. Note that if you change health plans, your care management may be disrupted and may also need to change. If you have recently changed your residence and live outside of the state of North Carolina, Duke Options is the medical plan that will provide comprehensive coverage for you and your dependents.
2. Will you cover yourself and/or dependents for dental and vision insurance? Duke offers three different dental plans and a vision plan that covers eye exams, lenses, and frames.
3. How much would you like to save on taxes? During Open Enrollment, you can sign up to participate in a Health Care Reimbursement Account and/or a Dependent Care Reimbursement Account. Both of these accounts allow you to put money aside before taxes to pay for health care costs and child or elder care costs, respectively. Since the money is taken out of your paycheck before taxes are calculated, you save about 30 cents of every dollar you put in the accounts.

Remember: If you take no action during Open Enrollment, the elections you made for 2022 for your medical, dental, and vision coverage will continue for 2023. To continue to use a reimbursement account, you must re-enroll for 2023.

2023 Plan Highlights and Changes

Medical Plans

• As a reminder, one of the important benefits provided under your medical plan is an annual preventive care visit for each adult enrolled, provided at no charge to the member when you visit an in-network provider. If the visit includes treatment or the provider makes a healthcare diagnosis, a copay may apply. 
• Certain specialty pharmacy drugs are considered non-essential health benefits under the plan, and the cost of these drugs will not be applied toward a member’s out of pocket maximum.  Although the cost of these eligible specialty drugs will not be applied towards the out of pocket maximum, these costs will be reimbursed by the manufacturer at no cost to the member.  A list of specialty medications eligible for this program is available online.
• Travel benefits are available on the Duke Options PPO plan for members who reside outside of North Carolina and may require access to services that are prohibited or restricted within 100 miles of their permanent home address.
• Infertility Services and Bariatric Surgery provided under the Duke Options PPO plan have been expanded for those members who reside outside of the state of North Carolina.  If your permanent home address is in another state, you may access a provider other than a Duke provider for these services, as long as you meet the eligibility requirements, medical policy criteria, and prior review and certification is obtained.
• Effective January 1, 2023, Applied Behavioral Analysis (ABA) therapy for autism spectrum disorder will be covered under each of Duke’s medical plans (Duke Select, Duke Basic, Blue Care, and Duke Options), subject to medical policy criteria and requiring prior authorization.

Dental Plans

• No change in co-pays, deductibles or premiums for any of the dental plans.
• Maximum annual benefit for the Preferred Provider Option (PPO) Plan is increased to $2,000.
• As a reminder, if you or a dependent are not currently enrolled for dental coverage through Duke and enroll for 2023, a "late entrant" provision will apply (refer to page 10 for more information).

Vision Plan

• No change in co-pays, deductibles or premiums for the vision plan.

Reimbursement Accounts

• Maximum annual contribution for Health Care Reimbursement Account is $2,850 (subject to IRS regulations). Up to $570 of your unused 2023 Health Care reimbursement Account balance can be carried over to the 2024 plan year.
• Maximum annual contribution for Dependent Care Reimbursement Account is $5,000 per family. There is no carryover for the Dependent Care Reimbursement Account.

Starting at 2 p.m. on October 17, you can enroll/make changes online at Duke@Work > MyBenefits through 6 p.m. on October 28.

This enrollment guide serves as a summary of material modification to the benefits described in the official summary plan descriptions for these plans. The benefits that you receive are based upon the plan’s official plan documents, not this guide or any other written or oral statement. If there is a conflict between this guide and the official plan documents, the official plan documents will govern in all cases. Duke reserves the right at any time to change or terminate these plans.