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you wish, and to receive Harris’ HSA contribution for next year.
2015 Hermes Awards Entered by Joanne Dietch, Inc. For Harris Corporation Category 12—Benefits
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My Benefits. My Choices. …Focusing on Your 2015 Harris Benefits There’s change and then there’s change. Harris Corporation’s 2015 annual enrollment was all about significant change that would impact their employees’ all-important health care programs. In fact, there would be new Medical, Dental and Vision Care Plan choices that would lead to mandatory enrollments or employees would default—for certain plans, to no coverage. Also being introduced were the Best Doctors referral program and a host of voluntary benefits that could be beneficial to participants’ welfare—if they took the time to learn about them. Focus…we needed to bring focus. In addition to an extensive e-communication campaign that included both employee and family websites, e-cards, a mobile app and a detailed e-zine, we determined it was essential to summarize what was happening—in a user-friendly, graphic fashion—and push that information to the home. Family members also use and benefit from these plans. Having the information in their hands would hopefully encourage employees to make enrollment decisions on a timely basis. In an e-world, we also felt it beneficial to have something sitting on the kitchen counter as an ongoing reminder instead of having our entire communication hovering overhead in the cloud. We developed an engaging self-mailer that went to employees’ homes prior to enrollment. My Benefits. My Choices. Focusing on Your 2015 Harris Benefits, a six-panel folder, presented the facts, the action steps, decisions and the communication sources. We developed a fold (schematic attached) that revealed the information in a logical fashion and picked up design elements from the e-program. We boiled down what “needed to be said and known and done” and were able to provide a ready and accessible reference source to guide people and encourage their active participation in the enrollment process.
My Benefits. My Choices. Focusing on your 2015 Harris benefits. Look inside for a plan-byplan preview and more.
DON’T L O S E
ANNUAL ENROLLMENT BEGINS NOVEMBER 17, 2014. Find additional details on the employee and family benefit websites.
s i g h t o f
t h i s !
Everyone must actively enroll in — or waive — the Harris Medical Plan or default into CDHP 1 and Pharmacy 1, single coverage at tobacco-user rates for 2015. You must actively enroll in dental, vision, FSAs, MetLaw and new voluntary benefits if you want to be covered by these plans in 2015.
Access information inside.
There are no carryover elections for healthcare benefits. Your Life Insurance, LTD and MetPay insurance elections will automatically continue in 2015. Enrollment is always a great time to make sure that your beneficiary designations are correct and complete.
MWMR logos with taglines_Final June 2013
MyWork. MyRewards.
PERFORMANCE COUNTS. HARRIS AND YOU. HEALTH AND WELFARE
In Focus: Plan-By-Plan Preview MEDICAL OPTIONS
CDHP 1
CDHP 1
No provision changes!
The current Consumer Driven Health Plan (CDHP) has been modified (new coinsurance and Harris HSA contribution levels) and will be known as CDHP 1.
Provision changes!
CDHP 2 CDHP 2
NEED TO KNOWS...
The deductibles, coinsurance, copays and out-of-pocket limits for Open Access Plans (OAPs) 2, 3 and 4 will not change. OAP 1 will no longer be offered.
Here’s the 2015 benefit line-up.
OAP 2,33and and OAP 2, 4 4
Heads up for new CDHP participants
There will be an additional option — CDHP 2.
NEW option!
If you elect a CDHP and open or continue a Health Savings Account (HSA), Harris will contribute to your account. Harris’ contributions to CDHP 1 and 2 will differ.
PHARMACY OPTIONS A $5,000 annual pharmacy family out-of-pocket limit will be added for the OAPs (now $2,500 per person). Also, there will be a change to the formulary (list of covered drugs), impacting some participants.
The following CDHP overview offers a topline comparative look at CDHP 1 and 2, and highlights what’s changing.
• CDHP 1 will be priced higher than
CDHP 2 since it has higher benefit coverage.
• You can add tax-free dollars
to your HSA on top of Harris’ contribution up to 2015 federal limits ($3,350 if covering yourself; $6,650 if also covering others).
• You and your spouse, if both age
55 or older and enrolled in a CDHP, can also make separate $1,000 catch-up contributions to an HSA.
MUST DO…
Deductible • Individual • Family
CDHP 1
INNETWORK
CDHP 2 OUT-OFNETWORK
INNETWORK
OUT-OFNETWORK
$1,500 $3,000
$3,000 $6,000
$2,000 $4,000
$4,000 $8,000
• Individual • Family
$4,000 $8,000
$ 8,000 $16,000
$ 5,000 $10,000
$10,000 $20,000
Coinsurance (after deductible)
80%
60%
70%
50%
Preventive care
100%
0%
100%
0%
Harris HSA contribution • Covering you only • Covering you + others
$250 $500
Out-of-pocket limit
All Harris medical plan participants will have access to the prestigious Best Doctors program that offers free second opinions and other services to help you make informed healthcare decisions. Over 53,000 top physicians participate in the program. Harris is providing this benefit at no cost to you. For more information, go to https://members.bestdoctors.com/. (Be sure to discuss any Best Doctors’ recommendations with your Medical Plan to determine coverage.)
DENTAL OPTIONS The Harris Dental Plan will offer two options in 2015 — Dental 1, the current plan, and the new Dental 2. Both options provide similar benefits with the exceptions highlighted in the overview below. Depending on your dental benefit use, Dental 2 might be a choice worth considering. If you wish to have Harris dental coverage in 2015, you must actively enroll or you will default to NO DENTAL COVERAGE in 2015.
$ 500 $1,000
Elect a medical and pharmacy option (even if you want the same options you have now) or actively waive coverage (even if you are not currently enrolled). Otherwise, you will default to CDHP 1 and Pharmacy 1 for you only (regardless of your current level of coverage) with a $50 monthly tobacco surcharge applied. If you elect a CDHP, enroll in your HSA (even if you currently have an HSA) to receive the Harris contribution and make your own pretax contributions in 2015. New participants! Also complete the online application on the enrollment website.
LIFE INSURANCE PLANS
As of 2015, domestic partners and their children can be insured under your Spouse Life and Child Life Insurance. Enrollment is also always a good time to see if your beneficiary designations are correct and complete.
VOLUNTARY BENEFITS
Harris is pleased to expand our voluntary benefit offerings. Below are the six new types of coverage you can purchase at group rates, but the availability of voluntary benefits is subject to individual state insurance laws. The coverage is portable, meaning that you can continue it even if you leave Harris. For more information, go to the employee or family benefit websites.
NEW PLAN
»»Are administered by MetLife »»Access the Preferred Dentist Program (PDP).
• Dental 1 will be priced higher
than Dental 2 since it has higher benefit coverage.
Feature
Dental 1
The plan pays a lump sum in the event of a covered critical illness (e.g., certain cancers, heart attacks, kidney failure, major organ transplant, stroke) for out-of-pocket expenses not covered by your medical insurance.
Defender Identity Theft Insurance (MetLife)
The service protects you on the personal, financial and health data fronts. It proactively monitors your credit to protect you against identity theft and offers a financial guarantee should you become a victim of financial fraud resulting from the failure of the program. This plan also includes social media monitoring and specialized protection for children against cyber predators, cyber bullying and child identity theft.
Excess Liability Insurance (Fireman’s Fund)
Commonly referred to as “umbrella coverage,” the plan provides an additional level of liability protection beyond your auto, home, boat and recreational vehicle insurance polices.
Group Accident Insurance (MetLife)
The plan provides benefits — in addition to group medical, life and accident coverage — for a variety of expenses related to accidental injury. The plan also includes lump-sum benefits should you or an eligible dependent die or suffer dismemberment as the direct result of a covered accident.
Hospital Indemnity Insurance (MetLife)
Even if you have medical insurance, there are usually out-ofpocket expenses related to hospitalization. This insurance provides lump-sum payments that you could, for example, use to meet deductibles, copays, coinsurance and noncovered services that result from a hospital stay.
Veterinary Pet Insurance (VPI)
The plan covers expenses resulting from accidents, x-rays, surgeries, prescriptions and hospitalizations for a covered pet. Benefits begin once an annual deductible is met.
Dental 2
Preventive care
100%
100%
Basic restorative care (fillings, root canals)
80%
50%
Major restorative care (crowns, bridges)
50%
50%
Orthodontia for children (limits apply)
50%
0%
Annual deductible (applies to basic and major restorative care) • Individual • Family
$ 50 $100
$ 50 $100
$1,500
$1,000
Annual per person maximum for preventive and restorative care
VISION CARE PLAN
Harris will offer a new MetLife Vision Care Plan. The plan offers enhanced benefits for exams, frames, lenses and contacts as well as multiple vision-related discounts through network providers. You can find a provider listing at http://Metlife.com. If you wish to have Harris vision care coverage in 2015, you must actively enroll or you will default to NO VISION CARE coverage in 2015.
FLEXIBLE SPENDING ACCOUNTS (FSAs) Interested in enrolling in an FSA for 2015? Then, you’ll want to know that Your Spending Account (YSA) will take over the administration of the Healthcare, Dependent Care and Commuter FSAs. During the transition, continue to send 2014 plan year claims to ADP for processing (including 2014 claims through the March 15, 2015 grace period). All claims against your 2015 funds will be processed by YSA.
QUICK OVERVIEW
Critical Illness Insurance (MetLife)
2015 Dental Overview • Both Dental Plan options:
2015 CDHP Overview Feature
YOU DESERVE THE “BEST DOCTORS”… NOW YOU HAVE THEM
KEEP IN MIND…
2015 medical and pharmacy pricing can be found in the enrollment e-magazine on the employee benefit website.
KEEP IN MIND…
This only impacts you if you are electing a CDHP for the first time. Tax law will not allow you or Harris to fund your HSA in 2015 if you have a Healthcare FSA balance as of December 31, 2014. To take advantage of Harris’ HSA contribution as of January 2015 and the tax-free savings available to you, you must zero out your Healthcare FSA by December 31, 2014. Otherwise, contributions to your HSA will be delayed until April 2015. You can find a list of eligible Healthcare FSA expenses at http://benefits.harris.com.
This publication contains highlights of changes to benefits for eligible Harris employees. It does not include non-exempt employees working on the Harris IT Services State 6 or GSA9/CDC contracts, or Harris employees outside the continental United States. The contents provide a high-level summary of information about certain benefit plans being offered for the 2015 plan year and in no way replace the plan documents that actually govern the operation of all benefit plans. If there is ever a discrepancy between the information in this publication and the plan documents, the latter will always prevail. Harris reserves the right to amend or discontinue any benefit programs at any time. Receipt of this publication is in no way a guarantee of continued employment.
In Focus: Information and Enrollment WHEN… Now
WHAT… Employee benefit website
WHY THIS IS IMPORTANT… You can access current benefit enrollment information (including the enrollment e-magazine), the annual enrollment system and more through the employee benefit website on the Harris homepage or directly at http://benefits.harris.com, beginning November 17.
More details are a click away! Visit the employee or family benefit website 24/7!
Now
Family benefit website
Your dependents can access information about 2015 benefits at http://harris.com/myworkmyrewards/.
Now
Benefit plan inquiries
You can contact the Harris Benefits Service Center, 8:30 a.m. to 5:30 p.m. (ET), business days, at 1.800.225.4343, option 1.
Nov. 17– Dec. 2
Annual enrollment
You must actively enroll in medical, pharmacy, dental and vision care if you want your choice of coverage in 2015. Otherwise you will:
• For medical and pharmacy — default to CDHP 1 and Pharmacy 1,
Enroll online or on-the-go through the mobile app!
Access the system through the Harris homepage or at http://benefits.harris.com, beginning November 17.
single coverage with the $50 monthly tobacco surcharge applied and • For dental and vision, default to no coverage next year.
CDHP participants! Be sure to enroll in an HSA for 2015 and have your account open. This will allow you to make pretax contributions, if you wish, and to receive Harris’ HSA contribution for next year.
In Focus: YOU Annual enrollment is YOUR time to assess your benefits and determine what best fits your needs and budget. Harris’ 2015 benefit program offers increased choices and enhancements designed to appeal to the needs of our diverse employee population. Please take the time to consider all your possible health & welfare benefit elections — healthcare, survivor, disability, FSA and voluntary benefit plans and act as needed to ensure your choice of coverage for next year.
Harris Benefits Service Center 1025 W. NASA Blvd. C-41I Melbourne, FL 32919
In Focus: Harris 2015 Employee Benefits NEW benefits and NEWS about current plans.
Your 2015 benefits… have a closer look! EVERYONE MUST actively enroll this fall to avoid default medical and pharmacy coverage.
FIRST-CLASS MAIL U.S. POSTAGE PAID MELBOURNE, FL PERMIT NO. 551
In Focus: Plan-By-Plan Preview
My Benefits. My Choices. Focusing on your 2015 Harris benefits.
MEDICAL OPTIONS OAP 2,33and and OAP 2, 4 4
DON’T
CDHP 1
CDHP 1
o f
Find additional details on the employee and family benefit websites. Access information inside.
The current Consumer Driven Health Plan (CDHP) has been modified (new coinsurance and Harris HSA contribution levels) and will be known as CDHP 1.
Provision changes!
There will be an additional option — CDHP 2.
NEW option!
If you elect a CDHP and open or continue a Health Savings Account (HSA), Harris will contribute to your account. Harris’ contributions to CDHP 1 and 2 will differ.
PHARMACY OPTIONS A $5,000 annual pharmacy family out-of-pocket limit will be added for the OAPs (now $2,500 per person). Also, there will be a change to the formulary (list of covered drugs), impacting some participants.
s i g h t
BEGINS NOVEMBER 17, 2014.
No provision changes!
CDHP 2 CDHP 2
L O S E
ANNUAL ENROLLMENT
The deductibles, coinsurance, copays and out-of-pocket limits for Open Access Plans (OAPs) 2, 3 and 4 will not change. OAP 1 will no longer be offered.
Here’s the 2015 benefit line-up.
Look inside for a plan-byplan preview and more.
Heads up for new CDHP participants
NEED TO KNOWS...
The following CDHP overview offers a topline comparative look at CDHP 1 and 2, and highlights what’s changing.
t h i s !
2015 CDHP Overview
Everyone must actively enroll in — or waive — the Harris Medical Plan or default into CDHP 1 and Pharmacy 1, single coverage at tobacco-user rates for 2015.
KEEP IN MIND…
You must actively enroll in dental, vision, FSAs, MetLaw and new voluntary benefits if you want to be covered by these plans in 2015.
• You can add tax-free dollars
Feature
• CDHP 1 will be priced higher than
Deductible
CDHP 2 since it has higher benefit coverage.
• Individual • Family Out-of-pocket limit
to your HSA on top of Harris’ contribution up to 2015 federal limits ($3,350 if covering yourself; $6,650 if also covering others).
There are no carryover elections for healthcare benefits.
• Individual • Family
• You and your spouse, if both age
55 or older and enrolled in a CDHP, can also make separate $1,000 catch-up contributions to an HSA.
Your Life Insurance, LTD and MetPay insurance elections will automatically continue in 2015. Enrollment is always a great time to make sure that your beneficiary designations are correct and complete.
MUST DO…
MWMR logos with taglines_Final June 2013
MyWork. MyRewards.
c In Fo
CDHP 1
INNETWORK
CDHP 2 OUT-OFNETWORK
INNETWORK
$1,500 $3,000
$3,000 $6,000
$2,000 $4,000
$4,000 $8,000
$ 8,000 $16,000
$ 5,000 $10,000
OUT-OFNETWORK $4,000 $8,000 $10,000 $20,000
Coinsurance (after deductible)
80%
60%
70%
50%
Preventive care
100%
0%
100%
0%
Harris HSA contribution • Covering you only • Covering you + others
$250 $500
Elect a medical and pharmacy option (even if you want the same options you have now) or actively waive coverage (even if you are not currently enrolled). Otherwise, you will default to CDHP 1 and Pharmacy 1 for you only (regardless of your current level of coverage) with a $50 monthly tobacco surcharge applied. If you elect a CDHP, enroll in your HSA (even if you currently have an HSA) to receive the Harris contribution and make your own pretax contributions in 2015. New participants! Also complete the online application on the enrollment website.
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$ 500 $1,000
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2015 medical and pharmacy pricing can be found in the enrollment e-magazine on the employee benefit website.
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This only impacts you if you are electing a CDHP for the first time. T Tax law will not allow you or Harris to fund your HSA in 2015 if you have a Healthcare FSA balance as of December 31, 2014. To take advantage of Harris’ HSA contribution as of January 2015 and the tax-free savings available to you, you must zero out your Healthcare FSA by December 31, 2014. Otherwise, contributions to your HSA will be delayed until April 2015. You can find a list of eligible Healthcare FSA expenses at http://benefits.harris.com http://benefits.harris.com.
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In Focus: Plan-By-Plan Preview
Heads up for new CDHP participants
PERFORMANCE COUNTS. HARRIS AND YOU. COMPENSATION
MEDICAL OPTIONS
The deductibles, coinsurance, copays and out-of-pocket limits for Open Access Plans (OAPs) 2, 3 and 4 will not change. OAP 1 will no longer be offered.
Here’s the 2015 benefit line-up.
OAP 2,33and and OAP 2, 4 4 CDHP 1
CDHP 1
No provision changes!
The current Consumer Driven Health Plan (CDHP) has been modified (new coinsurance and Harris HSA contribution levels) and will be known as CDHP 1.
Provision changes!
CDHP 2 CDHP 2
NEED TO KNOWS...
There will be an additional option — CDHP 2.
NEW option!
If you elect a CDHP and open or continue a Health Savings Account (HSA), Harris will contribute to your account. Harris’ contributions to CDHP 1 and 2 will differ.
PHARMACY OPTIONS A $5,000 annual pharmacy family out-of-pocket limit will be added for the OAPs (now $2,500 per person). Also, there will be a change to the formulary (list of covered drugs), impacting some participants.
The following CDHP overview offers a topline comparative look at CDHP 1 and 2, and highlights what’s changing.
• CDHP 1 will be priced higher than
CDHP 2 since it has higher benefit coverage.
• You can add tax-free dollars
to your HSA on top of Harris’ contribution up to 2015 federal limits ($3,350 if covering yourself; $6,650 if also covering others).
• You and your spouse, if both age
55 or older and enrolled in a CDHP, can also make separate $1,000 catch-up contributions to an HSA.
MUST DO…
Deductible
• Individual • Family
CDHP 1
INNETWORK
CDHP 2 OUT-OFNETWORK
INNETWORK
OUT-OFNETWORK
$1,500 $3,000
$3,000 $6,000
$2,000 $4,000
$4,000 $8,000
• Individual • Family
$4,000 $8,000
$ 8,000 $16,000
$ 5,000 $10,000
$10,000 $20,000
Coinsurance (after deductible)
80%
60%
70%
50%
Preventive care
100%
0%
100%
0%
Out-of-pocket limit
Harris HSA contribution • Covering you only • Covering you + others
All Harris medical plan participants will have access to the prestigious Best Doctors program that offers free second opinions and other services to help you make informed healthcare decisions. Over 53,000 top physicians participate in the program. Harris is providing this benefit at no cost to you. For more information, go to https://members.bestdoctors.com/. (Be sure to discuss any Best Doctors’ recommendations with your Medical Plan to determine coverage.)
DENTAL OPTIONS The Harris Dental Plan will offer two options in 2015 — Dental 1, the current plan, and the new Dental 2. Both options provide similar benefits with the exceptions highlighted in the overview below. Depending on your dental benefit use, Dental 2 might be a choice worth considering. If you wish to have Harris dental coverage in 2015, you must actively enroll or you will default to NO DENTAL COVERAGE in 2015.
$250 $500
$ 500 $1,000
Elect a medical and pharmacy option (even if you want the same options you have now) or actively waive coverage (even if you are not currently enrolled). Otherwise, you will default to CDHP 1 and Pharmacy 1 for you only (regardless of your current level of coverage) with a $50 monthly tobacco surcharge applied. If you elect a CDHP, enroll in your HSA (even if you currently have an HSA) to receive the Harris contribution and make your own pretax contributions in 2015. New participants! Also complete the online application on the enrollment website.
LIFE INSURANCE PLANS
As of 2015, domestic partners and their children can be insured under your Spouse Life and Child Life Insurance. Enrollment is also always a good time to see if your beneficiary designations are correct and complete.
VOLUNTARY BENEFITS
Harris is pleased to expand our voluntary benefit offerings. Below are the six new types of coverage you can purchase at group rates, but the availability of voluntary benefits is subject to individual state insurance laws. The coverage is portable, meaning that you can continue it even if you leave Harris. For more information, go to the employee or family benefit websites.
NEW PLAN
» Are administered by MetLife » Access the Preferred Dentist Program (PDP).
• Dental 1 will be priced higher
than Dental 2 since it has higher benefit coverage.
Feature
Dental 1
The plan pays a lump sum in the event of a covered critical illness (e.g., certain cancers, heart attacks, kidney failure, major organ transplant, stroke) for out-of-pocket expenses not covered by your medical insurance.
Defender Identity Theft Insurance (MetLife)
The service protects you on the personal, financial and health data fronts. It proactively monitors your credit to protect you against identity theft and offers a financial guarantee should you become a victim of financial fraud resulting from the failure of the program. This plan also includes social media monitoring and specialized protection for children against cyber predators, cyber bullying and child identity theft.
Excess Liability Insurance (Fireman’s Fund)
Commonly referred to as “umbrella coverage,” the plan provides an additional level of liability protection beyond your auto, home, boat and recreational vehicle insurance polices.
Group Accident Insurance (MetLife)
The plan provides benefits — in addition to group medical, life and accident coverage — for a variety of expenses related to accidental injury. The plan also includes lump-sum benefits should you or an eligible dependent die or suffer dismemberment as the direct result of a covered accident.
Hospital Indemnity Insurance (MetLife)
Even if you have medical insurance, there are usually out-ofpocket expenses related to hospitalization. This insurance provides lump-sum payments that you could, for example, use to meet deductibles, copays, coinsurance and noncovered services that result from a hospital stay.
Veterinary Pet Insurance (VPI)
The plan covers expenses resulting from accidents, x-rays, surgeries, prescriptions and hospitalizations for a covered pet. Benefits begin once an annual deductible is met.
Dental 2
Preventive care
100%
100%
Basic restorative care (fillings, root canals)
80%
50%
Major restorative care (crowns, bridges)
50%
50%
Orthodontia for children (limits apply)
50%
0%
• Individual • Family
$ 50 $100
$ 50 $100
Annual per person maximum for preventive and restorative care
$1,500
$1,000
Annual deductible (applies to basic and major restorative care)
VISION CARE PLAN
Harris will offer a new MetLife Vision Care Plan. The plan offers enhanced benefits for exams, frames, ames, lenses ou can find a provider and contacts as well as multiple vision-related discounts through network providers. You listing at http://Metlife.com. If you wish to have Harris vision care coverage in 2015, you must actively enroll or you will default to NO VISION CARE coverage in 2015.
FLEXIBLE SPENDING ACCOUNTS (FSAs) Interested in enrolling in an FSA for 2015? Then, you’ll want to know that Your Spending Account (YSA) will take over the administration of the Healthcare, Dependent Care and Commuter FSAs. During the transition, continue to send 2014 plan year claims to ADP for processing (including 2014 claims through the March 15, 2015 grace period). All claims against your 2015 funds will be processed by YSA.
QUICK OVERVIEW
Critical Illness Insurance (MetLife)
2015 Dental Overview • Both Dental Plan options:
2015 CDHP Overview Feature
YOU DESERVE THE “BEST DOCTORS”… NOW YOU HAVE THEM
KEEP IN MIND…
2015 medical and pharmacy pricing can be found in the enrollment e-magazine on the employee benefit website.
KEEP IN MIND…
This only impacts you if you are electing a CDHP for the first time. Tax law will not allow you or Harris to fund your HSA in 2015 if you have a Healthcare FSA balance as of December 31, 2014. To take advantage of Harris’ HSA contribution as of January 2015 and the tax-free savings available to you, you must zero out your Healthcare FSA by December 31, 2014. Otherwise, contributions to your HSA will be delayed until April 2015. You can find a list of eligible Healthcare FSA expenses at http://benefits.harris.com.
This publication contains highlights of changes to benefits for eligible Harris employees. It does not include non-exempt employees working on the Harris IT Services State 6 or GSA9/CDC contracts, or Harris employees outside the continental United States. The contents provide a high-level summary of information about certain benefit plans being offered for the 2015 plan year and in no way replace the plan documents that actually govern the operation of all benefit plans. If there is ever a discrepancy between the information in this publication and the plan documents, the latter will always prevail. Harris reserves the right to amend or discontinue any benefit programs at any time. Receipt of this publication is in no way a guarantee of continued employment.
Harris Benefits Service Center 1025 W. NASA Blvd. C-41I Melbourne, FL 32919
In Focus: Harris 2015 Employee Benefits NEW benefits and NEWS about current plans.
Your 2015 benefits… have a closer look! EVERYONE MUST actively enroll this fall to avoid default medical and pharmacy coverage.
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