Open Enrollment Information and Benefit Fairs

Montgomery College Employees,

The Human Resources and Strategic Talent Management (HRSTM) Benefits Team is excited to announce the Montgomery College Open Enrollment (OE). This year, open enrollment is being held from October 26 through November 13, 2026. Your benefits are an important part of your overall well-being, and is the perfect opportunity to make sure your coverage continues to meet your needs.

Open Enrollment for 2027 benefits began on Monday, October 26, and will continue through Friday, November 13, 2026. During this time, you can review your current benefits, explore available options, and make changes for the upcoming year.

Not sure which plans are right for you? Start with ALEX, your virtual benefits advisor, to compare plans, explore coverage options, and estimate costs. You can also visit Open Enrollment for additional information and resources.

If you have questions or need additional guidance after using ALEX, the Benefits Team offers a limited number of 15-minute virtual appointments.

BENEFITS SESSIONS AND WEBINARS

Learn more about your 2027 benefits by attending an upcoming information session.

• Benefit and Retirement Sessions Thursday, November 5, at 11 a.m. or Tuesday, November 10, at 2 p.m.
• FSA and Smart Benefits Updates Wednesday, November 11, 1-2 p.m.
• HSA Overview With Cigna Thursday, November 12, Noon-1 p.m.

WHAT'S NEW FOR 2027?

HEALTH PLAN RATE CHANGES

• Kaiser Permanente: 5% increase.
• Cigna Choice Fund with a Health Savings Account (HSA): 15% increase.
• Cigna Choice Point-of-Service (POS): 15% increase.
• Cigna Dental Plans: No rate change.
• EyeMed Vision Plan: 12% increase.

Review the new rates in Workday.

CIGNA POS PLAN

• In-network coinsurance: Reduced from 10% to 0%
• In-network deductible: Reduced from $500 to $100.
• Out-of-network deductible: Reduced from $1,000 to $200.
• Out-of-pocket maximums: Reduced from $4,000 individual/$8,000 family to $2,500 individual/$5,000 family.
• Emergency room copay: Reduced from $150 to $100.

CIGNA CHOICE FUND HSA Per IRS regulations, 2027 deductibles will increase to:

• Employee: $1,750
• Employee + 1: $3,500
• Family: $3,800

Employer HSA contributions remain unchanged:

• Employee: $750
• Employee + 1: $1,125
• Family: $1,500

KAISER PERMANENTE

• Kaiser Permanente will introduce gift card rewards for completing eligible healthy activities.

VISION PLAN

• Eye360: Now included with EyeMed, offering a $0 copay eye exam and additional allowances at PLUS providers.

Open Enrollment Benefit Fairs

Join the HRSTM Benefits Team at our Open Enrollment Benefits Fairs to explore your 2027 benefits, connect with representatives, and get answers to your questions.

Enjoy complimentary chair massages, wellness giveaways, snacks, and opportunities to win prizes. Flu vaccinations will also be available at select locations. Bring your insurance card.

• Central Services (CT) Building Tuesday, November 3, 11 a.m.-2 p.m., Board of Trustees (BOT) Gallery, Room S108
• Germantown (GT) Campus Wednesday, November 4, 11 a.m.-2 p.m., Rooms BE151 and BE152

REVIEW, REVISE, AND RENEW: ENTER TO WIN!

Review and submit your 2027 benefits elections for a chance to win a gift card!

The first 100 employees to review and submit their benefits elections will be entered into a raffle for 1 (one) of 4 (four) prizes.

• First Place: $100 gift card for 2 (two) winners.
• Second Place: $50 gift card for 2 (two) winners.

Gift cards val