Open Enrollment FAQs

Tandem HR is offering open enrollment for the Tandem master medical BlueCross BlueShield of IL, master Guardian ancillary plans, and other medical plans with a renewal date on or around 9/1. This open enrollment will allow you to make changes to your health, dental, vision, disability, life insurance plans. Tandem HR is also offering an early enrollment in the 2024 FSA/HSA plan, so you can get your elections in early. If you are unsure if your benefits fall in any of these categories, please reach out to our Benefits Team at benefits@TandemHR.com.

Ancillary benefits refer to any benefits offered outside of major medical insurance. Things like dental, vision, disability, and life insurance are examples of ancillary benefits.

If you are enrolling in the BCBSIL plan or are choosing different benefits from last enrollment, you will receive new ID cards.

If you are going to receive new ID cards they will be available on or before September 1, 2023.

If your employer isn’t making any changes to ancillary plan choices, then this is considered a passive enrollment event. In a passive enrollment event, you will automatically be enrolled with your same elections as the previous benefits period unless you make changes. If your employer chooses a different ancillary offering, you will need to make new elections. All medical insurance open enrollments are active, and you will need to take action.

Regardless, we highly recommend that you take the time to log in to your employee portal to check your current elections to be sure that you are enrolled in the benefits you wish to receive.

A passive enrollment means that if you do not wish to make any changes to your current elections, you are not required to do anything. This applies only to the Guardian ancillary benefits.

If you are still within the open enrollment window, you may go into the employee portal and reopen your submission to make any changes. Please be sure to RESUBMIT or we will not receive your changes.

The following events allow you to enroll (or un-enroll) from your current benefits plans:  

• Marriage 
• Divorce 
• Birth/adoption of a child 
• Gain or loss of other coverage 
• Death 
• Aging out of parental insurance 

If you want to make changes after the open enrollment period ends, you must contact benefits@tandemhr.com to inquire. We will try our best to accommodate, but it will be based on the timing and the change requested. 

If you do not complete your open enrollment and your employer made no changes to the benefits available, your elections from last year will be repeated. If your employer did make changes to the benefits options, Tandem HR benefits team will assume you want to stay enrolled and will elect the closest plan to your current option for you if your current option is not available. 

Our employee portal automatically sends reminder emails to all eligible employees when there are 5 days left, 3 days left, and 1 day left.  

All Tandem master plans have calendar year deductibles (January - December).

Participants will be able to make early 2024 FSA/HSA elections during this open enrollment period. Participants will have until December 15, 2023, to make any FSA election changes for 2024.