University of Toledo 2027 Open Enrollment

To help you understand your 2026 benefits options, below is information provided by UToledo Human Resources.

Why is the University Making Changes to 2026 Healthcare Benefits?

Each year the University strives to offer healthcare plans and other benefits options to meet the various needs of a widely diverse workforce, while also trying to contain rising healthcare costs. 

To help continue to meet these goals, the University encourages you to protect your health. In addition to understanding your options and selecting the plans that best meets your household's needs, be sure to partner with your primary care provider; practice a healthy lifestyle; and participate in the University's many free offerings throughout the year, provided by Rocket Health.

Will My Healthcare Costs Increase for 2026?

There will be a 3% average increase to medical premiums on the gold and blue plans. This is due to a number of factors including increased medical costs, increased UToledo member claims experience, and increased pharmaceutical cost. This increase for 2026 is below the national trend increase of nearly 9%. 

Are There Any Other Changes to UToledo 2026 Benefits?

The IRS has increased the minimum deductible on high deductible plans. To maintain consistency between tiers, deductibles and maximum out of pockets have been adjusted for both plans. 

Is Anything Changing with Dental and Vision Benefits?

Dental and Vision premiums have been adjusted based on plan performance. 

Dental: Gold +4.64 Vision: -1.31%

Must I Enroll for 2026 Benefits During Open Enrollment?

Yes. Each employee is required to participate in open enrollment for 2026 to review healthcare plan options and ensure their benefits still meet their needs.

• Current Flexible Spending Account (FSA) and Health Savings Account (HSA) elections will not carry over to 2026; you must enroll to select either to participate again.

Can I Get Healthcare Coverage for My Children (Dependents), Spouse or Partner?

Each plan sets specific guidelines for who is eligible for coverage; therefore, be sure to review plan details for this information.

UToledo requires documentation as proof of dependency if you request to add your dependents to any employee healthcare coverage option (medical/prescription drug, dental and vision). Documentation is required at initial enrollment for each dependent. Further, an annual spousal affidavit is required to cover a spouse on your Gold healthcare plan.

Are There Advantages If I choose UT Physicians or the University of Toledo Medical Center for Healthcare?

If you choose to receive your care through the University, you will have significant savings by seeing a UT Physician, including primary care providers and specialists, as well as having diagnostic testing and medical treatment performed at a UToledo facility, including UTMC. Those services include blood draws and other laboratory tests, imaging services (X-rays, CT scan, MRI, etc.), physical or occupational therapy, and many other healthcare services.

Because all of your medical-related records are legally protected health information, HIPAA ensures your privacy among colleagues. To find a UToledo-affiliated healthcare provider, visit utphysicians.utoledo.edu. A complete list of UTMC services is available at utmc.utoledo.edu.

What Are The Benefits of Using UToledo Outpatient Pharmacies for Prescriptions?

There are many advantages of using our on-campus pharmacies, including:

• You will have lower out-of-pocket costs for prescriptions filled at our on-campus pharmacies.
• If the cost of a medication is less than your co-pay, you pay the lesser amount.
• To save money and trips to the pharmacy, 90-day prescriptions are available at UToledo outpatient pharmacies.
• If a UT Physician writes a prescription and you fill it at one of our outpatient pharmacies, you will receive an extra 15% discount on the cost of your prescription.
• All UToledo outpatient pharmacists are trained to provide individual counseling on medications and disease states.
• All recommended adult immunizations are available at all UToledo outpatient pharmacies.
• You can request refills via the RX App.
• The onsite UToledo outpatient pharmacies offer convenient hours of operation for easy pickup of your prescriptions during the workday.
• You can schedule a free, confidential appointment with a clinical pharmacist to discuss your medications; call Bree Meinzer, Pharm.D., 419.383.1591.

Where Can I Find List of Providers?

For your convenience,  all Tier 1 and Tier 2 providers can be found by logging in to your Medical Mutual account.

*Your rocket number is your member ID when creating a new account. 

Is the Health Savings Account Changing?

The Health Savings Account (HSA) connected to the Blue medical plan will remain the same for 2026. The IRS limits have been adjusted to reflect the new amounts for 2026. The HSA is administered through Optum. Please note that you will not receive a new HSA card (unless you are new to the plan). The UToledo and voluntary contribution amounts are listed below.

 I Am In A Collective Bargaining Unit (AFSCME, CWA, FOP or UTPPA). In Previous Years, I’ve Been Able To Elect Only The Blue Plan. Is This Still The Case?

Yes, per your collective bargaining agreement (CBA), members of these units hired after a certain date are eligible only for the Blue plan. Please refer to your respective CBA for more information.

What is a “Wrap Network” and When Can I Use It?

A wrap network supplements the regional network (MMO) by providing access to a (CIGNA) national network of providers that will be covered as in-network (Tier 2). A wrap network is intended to be used when you travel outside the regular network area, or if a provider is not covered by the regional network. The wrap network being used by Medical Mutual is Cigna.

 For Questions or Help to Enroll

If you still have questions after reviewing this information or need help enrolling online, please contact benefits@utoledo.edu or 419.530.4747 - Option 4. We look forward to serving you.