Frequently Asked Questions

Employees should enroll through the Elon Benefits Hub. The enrollment window is June 8th – June 16th. Please complete your elections by the deadline.

Coverage under Elon’s benefit plans begins July 1, 2026. Your Queens’ coverage will end on June 30, 2026. Please ensure you are providing your new Elon ID cards and insurance information to providers as of July 1, 2026.

Yes, you are required to elect benefits during the enrollment window of June 8th – June 16th. If you do not take action you will not have coverage as of July 1, 2026.

If no action is taken by the June 16th deadline, you will be defaulted into not having any benefits coverage. It is imperative you complete your enrollment by June 16th.

Yes. This transition is considered a special enrollment opportunity, allowing you to choose new plan options and add or remove dependents. An exception to this is the Medical Flexible Spending Account. Please refer to question 35 for more information.

The Elon benefits plan year runs from January 1 through December 31, just as Queens benefits do. This means July 1 is a mid‑year entry into the Elon plan.

Please visit the Elon HR benefits webpage. There you can find detailed information on the benefit offerings.

For questions about Elon’s benefit offerings or assistance enrolling, Benefit Counselors through the Elon Benefits Call Center are available beginning June 8th, Monday – Friday, 9am – 6pm EST at 1-877-382-9808.

The Elon Office of Human Resources is also available to assist and can be reached at 336-278-5560.

No. Any amounts you paid toward your 2026 plan year medical deductible and out-of-pocket maximum (OOPM) under the Queens medical plan will be credited to the Elon medical plan.

Expenses covered under the Queens medical plan that were incurred between January 1st, 2026 and June 30th, 2026, and were applied toward your medical deductible and/or out-of-pocket (OOPM) maximum with Cigna/ESI will carry over to the new Elon medical plan.

Your 2026 plan year deductible and OOPM payments from the Queens medical plan will be transferred administratively to the new Elon medical plan. Once complete, your new plan will reflect:

• Remaining deductible (if any)
• Remaining out‑of‑pocket maximum for the rest of the year (if any)

Please note, this process may take up to 90 days to complete after July 1st so a delay is expected. In the event any claims need to be reprocessed, your provider will be notified.

Generally, no. The deductible and out-of-pocket credits will be applied to the Elon medical plan using claims data provided by the Queens medical carrier, Cigna. However, if you believe something is missing or incorrect, you may be asked to provide more information.

Yes. You may move from a Queens HSA plan to an Elon PPO plan or from a Queens PPO plan to the Elon HSA plan, if eligible.

All deductible and out of pocket credits will be applied to the new plan you have elected regardless  if you transition from a Queens PPO plan to the Elon HSA plan or vice versa.

Not necessarily. While deductible and OOPM credits carry over, the plan design, network, and covered services under the Elon plan may be different.

Employees are encouraged to review:

• Plan summary documents for covered services
• Provider networks to ensure your current doctor is in-network under BCBS
• Prescription formularies to ensure your current drugs are covered

Visit the Blue Cross Blue Shield of NC website and use the provider search tool. If your doctor is out of network, your costs may be higher.

If you are being treated for an ongoing special condition with a provider who was in-network under the Queens Cigna medical plan but is out-of-network under the Elon BCBSNC medical plan, you may be eligible for continuity of care (CoC). CoC is provided for a specified amount of time to allow members the opportunity to transition to a participating provider.  You will need to complete and submit the CoC form found on the Transition to Elon webpage for review and approval. Please ensure this is done as soon as possible, no later than August 14, 2026. Ongoing special conditions include:

• Serious and complex conditions
  • Acute illness (required specialized medical treatment to avoid death or permanent harm)
  • Chronic illness (life threatening, degenerative, potentially disabling, or congenital requiring treatment over a prolonged period of time)
• Course of institutional or inpatient care
• Scheduled to undergo nonelective surgery, including receipt of postoperative care with respect to such a surgery
• Pregnant and undergoing a course of treatment for the pregnancy
• Terminally ill

You will need to alert your provider to submit a prior authorization to BCBSNC for the procedure.

There could be delays. We highly recommend filling your prescriptions under the Queens plan prior to the transition taking place on June 30th. You may even be able to ask for an early refill in certain scenarios.

Most prescriptions will remain covered, but:

• Formularies will differ so your drug may no longer be covered
• Copays or coinsurance may change
• Prior authorizations may be required

You can view Elon’s OptumRx formulary list by visiting the OptumRx website. If your drug is on the list it will show you what coverage tier it falls into. Please refer to the 2026 Elon Benefits Guide for copay/coinsurance amounts. If your drug is not on the list, it will not be covered under the Elon plan and you will need to discuss an alternate therapy with your doctor.

Ideally, yes, every effort is being made to transfer documentation of your approval to fill a script requiring prior authorization to OptumRx as soon as possible. However, there may be delays. Please make sure to fill your script before June 30th in order to avoid potential interruption of treatment.

Every effort will be made to transfer any open mail order prescriptions from ESI to OptumRx. However, you may need to initiate the transfer by calling OptumRx. Please make sure to fill your script before June 30th in order to avoid potential interruption of treatment.

No, the Elon plan does not have a wellness premium differential. The payroll deductions are the same for all employees. Please refer to the 2026 Benefits Guide for premium amounts.

HSA balances are always yours to keep.

If you enroll in an Elon PPO Plan or waive medical coverage, your HSA funds can remain in the current Bank of America account for you to access, however under IRS rules you may no longer contribute to that HSA. Refer to IRS guidance for more information. Bank of America will also likely begin charging you an administrative fee for your account.

If you enroll in the Elon HSA Plan C, a new Health Savings Account (HSA) through HealthEquity will be set up for you. As of July 1st, your payroll deducted HSA contributions along with any employer HSA contributions will be deposited into the HealthEquity account. You may leave your existing HSA funds in Bank of America or transfer them to HealthEquity. If you wish to transfer them you will need to complete and submit the HealthEquity Transfer Request form found on the Transition to Elon webpage. Please note that Bank of America may begin charging you administrative fees if you leave your HSA funds in that account.

If you enroll in Elon’s HSA Medical Plan C during this transition for July 1, Elon will contribute $250 for employee only coverage and $500 for family coverage into your HSA. Please note when completing enrollment in Benefits Hub, you will not see an option to contribute to the HSA. Elon Benefits Team will be reaching out separately to capture your HSA contribution election. It is your responsibility to ensure you do not overcontribute, taking into consideration the funds contributed by you and your employer under both the Queens and Elon plans. 2026 IRS maximums – $4,400 Individual / $8,750 Family.

You may contribute the IRS maximum if you are eligible under IRS rules. Eligibility depends on whether you are enrolled in a qualified high-deductible health plan (QHDHP). Refer to IRS guidance for confirmation. It is your responsibility to ensure you do not overcontribute, taking into consideration the funds contributed by you and your employer under both the Queens and Elon plans. 2026 IRS maximums – $4,400 Individual / $8,750 Family.

Queens’ and Elon’s dental plans are both through Delta Dental so there is no change to the network. To confirm your provider is in-network or locate a new in-network provider, visit the Delta Dental website and use the provider search tool. If your provider is out-of-network, your costs may be higher.

Yes, historical dental claims information will be captured for the transition from Queens to Elon. However, please expect a delay in this information being applied to the new Elon plan.

Visit the VSP website and use the provider search tool. If your provider is out of network, your costs may be higher.

No, historical vision claims information will not be captured for the transition from Queens to Elon.

After June 30, 2026 your Bank of America funds will no longer be able to be accessed and there will be a blackout period while the funds are transitioned over to Flores & Associates. During this period if you incur expenses that you wish to apply towards your 2026 account, you will need to pay out of pocket and then submit for reimbursement once your Flores account is active.

You can submit for reimbursement by visiting Flores247.com or via the Flores mobile app. You will need to register.

Yes, you will receive a new debit card in the mail from Flores shortly after the July 1, 2026 transition date.

As of July 1, 2026, Flores will handle reimbursement for any costs you already incurred but have not been reimbursed by BofA. Even if that cost was incurred prior to the July 1st transition date.

If you are currently enrolled in the FSA through Queens, you may not make any changes to your election under Elon’s plan. If you elected to waive coverage under Queens for the 2026 plan year, coverage will continue to be waived through Elon.

Yes, you may use this opportunity to enroll in the Dependent Care Account through Elon. It is your responsibility to ensure you do not overcontribute for the year.

If eligible, you can enroll proactively, however it is not required. If no action is taken, the first contribution will enroll you into the plan as a “default” enrollment.

No, your MyTIAA experience will be bridged, and you will not need an additional login for TIAA’s portal. However, your credentials may be different at Elon.

At this time, your money will not move from one account to another. You may do so online or by calling TIAA. However, the plans differ in their offerings, and you do not have to move your assets if you do not want to at this point in time.

No, each retirement plan has different investment offerings.

Yes, you may meet by scheduling an in person or virtual appointment or meet on demand with financial consultants at your convenience.

Queens Accident, Critical Illness, and Hospital Indemnity plans are through Unum. Elon offers similar plans through Wellfleet.

When considering enrollment in the Elon Wellfleet plans, please keep in mind that for the Critical Illness and Cancer policies, your diagnosis date must be after July 1, 2026 in order to receive a benefit through Wellfleet. Therefore, in certain circumstances it may benefit you to port or convert your current coverage through the Queens Unum Critical Illness plan.