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What health insurance changes can I make and how?
You are able to add your spouse, children and eligible stepchildren to your coverage. You may also drop your coverage if you elect coverage through your spouse's plan. You may enroll your dependents in benefits at any time. However, if you wish to drop coverage or elect a new PEBTF plan you must submit the proper documentation within 60 days of the date your spouse became eligible for coverage.
Please consider the following if you wish to enroll your dependents in your benefit coverage. If you were hired after August 1, 2003 and your spouse is eligible for medical benefits through their employer, they must enroll in their employer benefits for primary coverage. They can then be added to PEBTF benefits under secondary coverage.
If your spouse is already enrolled in your benefit coverage as a secondary and they lost their primary benefits due to job loss or position change, documents may be submitted to PEBTF to change the coverage to primary.
Are there other insurance programs I should review?
The commonwealth offers several optional insurance programs you may want to consider. If you already participate in any of these plans, you should review your current choices to ensure they continue to meet your needs. You may purchase additional life insurance for yourself or your eligible dependents. You may also purchase short-term and/or long-term disability coverage.
For more information, please contact Prudential at 800.893.7316 or visit the website for commonwealth employees. For detailed information or to enroll in critical illness insurance, please contact MetLife at 877.755.7480 x2001 or visit the website for commonwealth employees.
You may also want to consider enrolling in the Health Care FSA or Dependent Care FSA. These programs allow you to reduce your taxable income by saving pre-tax funds for these expenses.
To enroll, visit www.fsa.oa.pa.gov, or call 833.628.0580. If you are already enrolled, you may stop or change your deductions.
How do I update my beneficiaries?
You may be enrolled in other plans offered by the commonwealth. You should review your designated beneficiaries.
If you have questions, you may contact each provider directly or complete and follow the submission instructions on the forms provided below:
Should I change my tax withholding?
Adding dependents could affect the amount of taxes you pay. You may want to speak with a financial consultant to discuss your situation. If you would like to change your filing status and withholding, you may do so in ESS under Payroll Information. You may contact the HR Service Center by phone, or complete a new Form W4 and submit it to the HR Service Center.
What other things should I consider?
A few more things to think about include updating your Direct Deposit if you have decided to make any banking changes. You may make the change via ESS under Payroll Information or return a completed Direct Deposit Authorization Form to the HR Service Center.
Changing employment status is a Qualifying Event that allows you 60 days from the date of the event to enroll, stop deduction or change deductions in the Dependent Care Account Program (DCAP).
If you plan to incur any child car or dependent care expenses, the Dependent Care Account Program allows you to reduce your taxable income by saving pre-tax funds for these expenses.
The Health Care FSA allows you to set aside pre-tax funds from your paycheck to help pay for eligibile out-of-pocket health care expenses.
To enroll, visit www.fsa.oa.pa.gov, or call 866.628.0580.