What's New for 2022

For 2022, we are making exciting changes to your Mercury benefits. Because of our 2022 changes, you must enroll by November 19, 2021 to have medical coverage in 2022.

You must also reenroll in Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions each year.

Any elections you have today for voluntary benefits will carry over automatically to 2022.

New Medical Plan Carrier: Blue Shield

After conducting a careful review of medical plan carriers, we’ve chosen to transition to Blue Shield as our medical plan carrier for 2022. We believe that Blue Shield offers the customer service, provider network and member programs and resources that will best serve your health care needs.

Blue Shield’s medical plans are very similar to the current Cigna medical plans, with some minor exceptions. Here’s a summary of the Blue Shield plan options to help you with choosing your new medical plan for 2022:

2021 Cigna Plan 2022 Blue Shield Plan
Cigna OAP $aver → Blue Shield PPO $aver/HSA (All TM’s)
Cigna OAP Super $aver → Blue Shield PPO Super $aver/HSA (All TM’s)
Cigna HMO → Blue Shield HMO (California TM’s)
Cigna HMO Select → Blue Shield HMO Trio (California TM’s)
Cigna OAP No Deductible → Blue Shield No Deductible Plan (TM’s outside of California)

Note: In California, the Kaiser HMO plans will continue to be available.

Your prescription drug coverage will also be provided through Blue Shield of California. Your Blue Shield prescription drug coverage is very similar to the current Express Scripts' coverage, with some minor exceptions. Blue Shield's network of participating pharmacies makes it easy to meet your prescription drug needs. You can fill your prescription through pharmacies at major grocery store chains, including Albertson's, Ralphs and Vons, as well through your local Costco and Walmart stores.

Get Your Questions Answered!

The Blue Shield Concierge Assistance will be available during Open Enrollment (November 8 – November 19, 2021) to answer questions about your new medical plan options and prescription drug coverage.

Blue Shield Concierge is a team of registered nurses, health coaches, social workers, pharmacy technicians, pharmacists, and customer service representatives, who can support your questions on finding a provider, choosing a plan, getting care, filing claims and more. Just call 855-747-5800 for assistance between 7 a.m. – 7 p.m. PST or schedule an individual consultation with a representative now.

Health Savings Account (HSA) Limits Increase

You can save even more in your HSA for 2022. The IRS limit will increase to $3,650 for team member only and $7,300 for family coverage. Remember, Mercury contributes to your account as well — we’re excited to continue to help you save on health care expenses in 2022!

2022 Team Member Rates

See your 2022 team member rates

 

How to Enroll

Open Enrollment is November 8 – November 19, 2021. You MUST enroll to have medical coverage in 2022.

You must also reenroll in Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions each year.

Any elections you have today for voluntary benefits will carry over automatically to 2022 (these include voluntary life and AD&D insurance, accident insurance, critical illness insurance, and hospital insurance).

You can enroll in two ways:

Benefits elected during Open Enrollment will become effective on January 1. After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualified family life event, such as a birth or a marriage.

Who’s Eligible for Mercury Benefits?

You’re eligible if you work 30 or more hours per week. Eligibility begins on the 1st of the month following your date of hire. If you’re hired on the 1st of the month, you’re immediately eligible for benefits.

When you enroll for benefits, you can also enroll your eligible dependents. Your eligible dependents include:

  • Spouse1
  • Qualified domestic partner2
  • Child(ren) up to age 26
  • Child(ren) of any age who are permanently disabled.

1Includes both opposite-sex and same-sex spouses.

2Domestic partnership certified by the state of California.

Your enrollment checklist

Use this checklist to make the most of your Open Enrollment opportunity:

  • Learn about your benefit options, paying special attention to the medical and prescription drug changes for next year.
  • Choose your 2022 medical plan.
  • Choose your 2022 dental and vision plans.
  • Determine how much you will contribute to your HSA or FSA.
  • Make sure your dependent information is correct and all your dependents are still eligible.
  • Review your beneficiaries — it’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and make updates as needed.
  • Complete your benefits enrollment by November 19.

Important! You must enroll by November 19 if you want Mercury medical coverage on January 1! You must also reenroll in Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions each year.

Any elections you have today for voluntary benefits will carry over automatically to 2022 (these include voluntary life and AD&D insurance, accident insurance, critical illness insurance, and hospital insurance).

When Coverage Begins

Benefits elected during Open Enrollment will be effective January 1 – December 31, 2022.

Enrolling After Open Enrollment

During the year, you can only change your benefits when you experience a qualified life event. Qualified life events include:

  • Marriage, divorce, or legal separation
  • Addition of eligible domestic partner, or termination of domestic partnership
  • Birth or adoption
  • A dependent becomes ineligible for coverage elsewhere
  • Death of your covered spouse/domestic partner or one of your children
  • Change in work status for you or your spouse/domestic partner.

If you experience a qualified life event and would like to change your coverage, you must make the change within 30 days of the event. You must provide necessary documentation when applicable (for example, a marriage certificate, birth certificate, or proof of loss of coverage).

If you fail to make a change within 30 days of a qualified life event, you won’t be eligible to make a change until the next Open Enrollment period, unless you experience another qualified life event.

 

Virtual Benefits Fair

Learn more about Mercury’s 2022 benefits at our virtual benefits fair!

Don’t miss this fun and informative event — it’s available 24/7/365!

A Self-Paced Interactive Experience
  • Visit information booths for each of Mercury’s benefits, including Blue Shield.
  • Connect directly with Mercury’s customer service representatives — see the live chat schedule.
  • Watch videos or webinars, and review informative PDFs about each plan.
  • Visit 5 booths for a chance to win a prize!
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Decision Support

Choosing the right benefit plans is important for both your health and your financial well-being.

Take advantages of the resources below to help understand your options and select the right coverage for you and your family.

Tip: Think About the Whole Cost

When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).

Remember: You Must Enroll!

Open Enrollment is November 8 – November 19, 2021.

Because of the changes to Mercury’s 2022 benefits, you must enroll by November 19, 2021 to have medical coverage in 2022.

You must also reenroll in Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions each year.

Any elections you have today for voluntary benefits will carry over automatically to 2022.