Enroll

Use this checklist when you are ready to enroll. Choosing the right coverage for your unique needs, budget, and lifestyle may help you save money.

You are eligible to enroll in Western Union benefits:

  • If you are a new hire or newly eligible. You have 31 days from your date of hire to enroll.
  • If you have a qualified life event. You have 31 days from the day of your qualified life event to make elections.
  • During the Annual Enroll period every fall.

Things to consider

  • Consider how much medical, dental, and vision coverage you will need in 2021. It is important to think about the whole cost of coverage – the amount you will spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
  • Estimate what you will pay for coverage. View the premium amounts for 2021.
  • Know what you are currently spending on care. View your claims history, which will include the number of times you and any of your covered family members have been to the doctor this year, what the plan paid, and what you paid.

How to enroll

Log in
When logging on to Mercer Marketplace 365+ for the first time, go to OKTA and click on the Mercer tile specific to 2021 enrollment for direct access.

Helpful tip: Have your dependent and beneficiary information ready (name, date of birth and Social Security number), so you can quickly make updates when you enroll.

Make your elections
To select your benefits, click the “Get started” button on the homepage and then choose a path for enrollment. The options are to receive expert guidance, which will present you with a suggested package you can edit based on your responses to a few questions, or to choose your own.

Check personal information

  • Enter or edit information for any dependents you wish to cover, if needed.
  • Depending on which path for enrollment you choose, you need to answer a few questions about your health needs and personal priorities, which will help Mercer Marketplace 365+ identify the best coverage for your needs.

Shop for benefits

  • Compare plan features and costs.
  • Use the site’s tools and educational resources to learn more.
  • Select the benefits that best fit your needs and budget.
Confirm and finish
  • Once you are happy with your selections, review your benefits summary for accuracy, then click either the “Submit Package” button or “Checkout” button, depending on which path you chose for enrollment.
  • You will receive a confirmation email and may also download a copy of your enrollment details for reference.

Enrollment checklist
Use this checklist when you are ready to enroll. Choosing the right coverage for your unique needs, budget and lifestyle may help you save money.

  • Consider how much medical, dental, and vision coverage you will need in 2021. It is important to think about the whole cost of coverage – the amount you will spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
  • Estimate what you will pay for coverage. View the premium amounts for 2021.
  • Know what you are currently spending on care. View your claims history, which will include the number of times you and any of your covered family members have been to the doctor this year, what the plan paid, and what you paid.

Tip: Think about the whole cost

It is important to think about the whole cost of coverage. Use the tools on Mercer Marketplace 365+ to compare the coverage and costs of each medical plan and determine which plan fits your budget.

Here are a few key plan features to compare when estimating your 2021 health care costs:

Paycheck contributions: The amount you pay from each paycheck for coverage. Review your 2021 price tags.

Deductible: The annual amount you pay before the plan pays benefits. Some services may not be subject to the deductible, such as preventive care.

Coinsurance: The percentage of an eligible expense you and the plan pay for a covered service or supply.

Copayment: The fixed dollar amount you pay for a covered service at the time you receive it.

Annual out-of-pocket maximum: You pay the deductible, copayments, and coinsurance until you reach your annual out-of-pocket maximum. Then the plan pays 100 percent for most covered services for the rest of that year.

In-network or out-of-network providers: Your costs are lower when you use in-network providers because they charge lower, discounted fees than out-of-network providers. Check to see if your doctors are in the plan’s network.

HSA: If you enroll in the 1850 or 2850 Deductible Plan, you’re eligible for a Health Savings Account (HSA).