Open Enrollment: Open Enrollment Highlights

On this page:

Overview

Healthcare and other benefits are an important part of an employer's total compensation package. Wright State University works to provide benefits to employees that are both competitive in the broader talent marketplace and fiscally sustainable for an operation of our size.

The information below details some of the major highlights of the 2027 healthcare offerings. Further details about all our plan offerings, including life insurance and short-term disability coverage, can be found throughout the Open Enrollment website.

Online Open Enrollment

We're making the Open Enrollment process easier! Employees will have access to a new, user-friendly online benefits enrollment application through WINGS to make their 2027 benefit elections.

The new application provides a simple, streamlined enrollment experience, making it easier to review benefit options, enroll in coverage, add or review dependents, and confirm elections—all in one place.

All benefit-eligible employees must make an affirmative 2027 election, even if they are choosing to continue their current elections or make changes. Employees must take action through WINGS between November 2–16, 2026.

A $100 late enrollment fee will apply to employees who do not complete their 2027 benefits election by November 16, 2026.

For step-by-step instructions on using the new application, visit the How to Enroll webpage.

Need help completing your elections? Attend an Open Enrollment computer lab session for assistance.

Pharmacy Benefits

Effective January 1, 2027, MedImpact will replace CarelonRx as Wright State University's Pharmacy Benefit Manager (PBM). MedImpact will manage prescription drug benefits, including the pharmacy network and formulary (drug list). Anthem will continue to administer medical benefits.

While there will be some changes to the covered formulary (drug list), there will be no changes to the current prescription drug copays, coinsurance, and overall pharmacy plan design. We anticipate minimal disruption, with most prescriptions experiencing no change in coverage or cost.

If a medication you or an enrolled family member currently takes is affected by this transition, MedImpact will mail a letter to your home address explaining the change and any steps you may need to take. MedImpact will also be available to discuss your options and help guide you through the process.

As part of this transition, Anthem will issue new insurance ID cards to all members enrolled in a Wright State University medical plan for 2027. The new cards will include both Anthem medical and MedImpact pharmacy information, so separate cards will not be needed. Cards will be mailed to members' home addresses in December 2026.

MedImpact Informational Sessions

To help employees and their covered family members prepare for the transition, MedImpact will host informational sessions. These sessions will provide an overview of the new prescription drug program, explain what to expect during the transition, and offer an opportunity to ask questions.

For session dates, times, and additional resources, visit the MedImpact Informational Meetings section of the Open Enrollment website.

For detailed pharmacy coverage information and resources, visit the Medical and Pharmacy webpage.

Medical Plans

Wright State University will continue to offer the same three medical plans in 2027, with no changes to the current plan designs:

  • Blue High-Performance Network (Blue HPN)
  • High Deductible Health Plan (HDHP)
  • PPO 80/20

Blue High-Performance Network (Blue HPN)

The Blue HPN is a copay-based plan that requires members to receive medical care from a broad network of providers in Ohio, Kentucky, and Indiana. Out-of-network services are not covered under this plan, except for emergencies. Providers within the Kettering Health Network are not covered under this plan.

Network Updates Effective January 1, 2027

  • OhioHealth hospitals, physicians, and other providers will no longer participate in the Blue HPN.
  • Mount Carmel Health System has joined the Blue HPN in the Columbus market.

Before scheduling care, members enrolled in the Blue HPN should confirm that their provider participates in the HPN network.

Please refer to the Medical and Pharmacy webpage for detailed information and resources for all three medical plans.

Medical and Pharmacy Premiums

Medical and prescription drug coverage will continue to be included under one combined premium. Employees will not pay a separate premium for prescription drug coverage.

Premiums will continue to follow a four-tier salary structure with four coverage levels:

  • Employee
  • Employee + Child(ren)
  • Employee + Spouse
  • Employee + Family

Please refer to the 2027 Healthcare Premiums for further information.

Spousal Insurance Coverage Policy

The objective of the Spousal Insurance Coverage Policy is to recognize all forms of health coverage that may be available to a participating employee's family.

If a spouse is employed and has access to medical insurance coverage through their own employer, the policy positions that employer to be the primary payer of its employee's medical claims when the coverage offered is deemed affordable according to the Affordable Care Act (ACA).

If the spouse's employer-sponsored coverage is deemed affordable, the spouse may elect only secondary coverage under a Wright State medical plan.

Dental Plan Designs and Premiums

The Delta Dental plan design will remain the same for 2027, with one change in coverage.

Beginning January 1, 2027, the dental plan will provide coverage for dental implants for members age 19 and older.

For more information about coverage, plan details, and premiums, visit the 2027 Open Enrollment Dental webpage.

Vision Plan Design and Premiums

The plan design for Vision Service Plan (VSP) will remain the same for 2027.

For more information about vision coverage and premiums, visit the 2027 Open Enrollment Vision and Hearing webpage.

Insurance Cards

Anthem will issue a new combined ID card to all members for their Anthem medical and MedImpact pharmacy benefits. Cards will be mailed to members' home addresses in late December 2026.

Delta Dental and Vision Service Plan (VSP) do not issue insurance cards. You can retrieve digital cards or print them from the Delta Dental and VSP websites. You can also inform your provider that your coverage is associated with Wright State University so they can verify your plan details.

Health Savings Account (HSA)

For High Deductible Health Plan (HDHP) participants only.

The university's annual HSA contribution for 2027 will remain:

  • $500 for employee-only coverage
  • $1,000 for employee + child(ren), employee + spouse, and employee + family coverage

In accordance with federal law, the 2027 HSA total annual contribution limits are:

  • $4,500 for single coverage
  • $9,000 for family coverage (employee + child(ren), employee + spouse, or employee + family)
  • $1,000 additional catch-up contribution for individuals age 55 or older

For more information, visit the 2027 Open Enrollment Health Savings Account (HSA) webpage.

Flexible Spending Account (FSA)

The following are the projected 2027 federal FSA annual contribution limits:

  • Healthcare FSA: $3,500. Participants may carry over up to $700 in unused 2027 FSA funds into 2028.
  • Dependent Care FSA: $7,500 per household. No carryover is permissible.

For more information about eligibility, contribution limits, and account rules, visit the 2027 Open Enrollment Flexible Spending Account (FSA) webpage.

2027 Health Management Initiative (HMI)

Wright State University will continue the Health Management Initiative (HMI) for employees enrolled in a university medical plan as the policyholder.

The 2027 program year begins November 1, 2026, and ends August 31, 2027.

The purpose of this initiative is to raise awareness of behaviors that impact health, increase the detection of chronic conditions such as cardiovascular disease and diabetes, and encourage participants to begin or continue making healthier lifestyle choices.

The following three required actions must be completed by August 31, 2027, to avoid a $170 monthly non-participation fee beginning January 1, 2028:

  1. Complete a confidential online Health Risk Assessment (HRA).
  2. Participate in a biometric screening (on campus, at Labcorp, or through your Primary Care Physician).
  3. Visit your Primary Care Physician (PCP) to discuss your biometric screening results.

Visit the 2027 Health Management Initiative webpage for detailed program requirements, screening options, instructions, and resources.

2026 HMI Participation and Results

During the 2026 program year, 1,050 participants completed a biometric screening. Aggregate results showed:

  • 9.6% had high cholesterol levels.
  • 9.5% had hypertension stage 2 or crisis-level blood pressure readings.
  • 5.9% had high A1C or glucose results or were diabetic.
  • 41.7% were obese or severely obese.

These aggregate results will help guide university wellness programming. Comparing results over time will also help the university understand changes in the overall health of employees.

Life and Disability Insurance

Effective January 1, 2027, Wright State University is transitioning its life and disability insurance coverage from Unum to Lincoln Financial, following the award of the life and disability insurance contracts to Lincoln Financial through the Inter-University Council (IUC) of Ohio Purchasing Group.

Current life and disability insurance elections, along with beneficiary information, will automatically transfer to Lincoln Financial, except for Child Life Insurance Option 1 ($2,000).

Short-Term Disability Insurance

Employee-paid short-term disability coverage, plan designs, and rates will remain unchanged.

Employees not currently enrolled in short-term disability insurance have a special opportunity to enroll during Benefits Open Enrollment without answering medical questions.

For coverage details and enrollment instructions, visit the 2027 Disability Insurance webpage.

Long-Term Disability Insurance

The university-paid long-term disability plan design and coverage will remain unchanged.

For more information, visit the 2027 Disability Insurance webpage.

Group Life Insurance

The university-paid group life insurance plan design and coverage will remain unchanged. Current designated beneficiaries will automatically transfer from Unum to Lincoln Financial.

Employees should keep beneficiary information up to date as life events and relationships change. To update beneficiary designations, complete the Lincoln Financial Life Insurance Form (PDF).

Supplemental Employee Life Insurance

Coverage options, plan design, and rates will remain unchanged. Current beneficiary designations will automatically transfer to Lincoln Financial.

To make changes to beneficiary designations, complete the Lincoln Financial Life Insurance Form (PDF).

Spouse Life Insurance

Coverage options and plan design will remain unchanged, with slightly lower rates.

Child Life Insurance

Child Life Insurance coverage options have been enhanced for 2027:

  • Option 1: Benefit amount increases from $2,000 to $5,000.
  • Option 2: Benefit amount remains $10,000.

Action required for current Option 1 participants: Employees currently enrolled in Child Life Insurance Option 1 ($2,000) must take action during Open Enrollment to enroll in the new Option 1 ($5,000), enroll in Option 2 ($10,000), or waive coverage.

Lincoln Financial Resources

Phishing Scams

Companies claiming to be university partners occasionally contact Wright State employees by email or phone to offer advisory services for benefit-related products.

If you receive a benefits-related message and are unsure whether it came from an authorized university vendor, please check the Benefit Vendor Contacts list.

If the company is not a university vendor, please mark the email as spam. Companies called AF Appreciation Financial, PeraGuides, and National Educational Services have previously contacted employees offering benefit-related services. Wright State is not affiliated with these vendors.

Omada

Omada offers free virtual support for weight management, diabetes, and high blood pressure. With a customized health plan and a dedicated team of health coaches, Omada helps participants build lasting habits that improve overall well-being.

Learn more about Omada and its eligibility requirements.

Anthem's Sydney App

Sydney is a free app provided by Anthem to help employees manage their medical benefits. Once enrolled, members can use the app to find in-network providers, estimate costs, locate care, review claims and benefits, view ID cards, and access virtual care and other available services.

To use the app, download it and establish a username and password.