Choosing the right plans matters to your health and your financial well-being. Use these resources to help you select the best options for you and your family.
- UnitedHealthcare website - Use the site to search for doctors and facilities that participate in the network.
- Workday – Review complete coverage and cost details for all your benefit options.
- 2025 Open Enrollment Guide or 2024 New Hire Guide - Download the 2024 New Hire Guide to learn about all your benefit options at MSCI.
Before you enroll, use this checklist to help you make informed decisions about your benefits.
Learn about your benefits options.
Review any medical coverage options available to your spouse/domestic partner
and compare that coverage to MSCI medical coverage. Remember, a surcharge will apply if you enroll a spouse/domestic partner in an MSCI medical option when other employer-sponsored coverage is available.
Read your Guide
to review hypothetical employee profiles that explain how costs may vary based on your personal situation and the plan you choose.
Estimate your health care needs
for the current year by thinking about which medications and medical services from the past year will continue next year; which ones will not continue; and what new services you may need. Also, consider opportunities to lower your costs by switching from an out-of-network provider to an in-network provider or using a generic medication instead of a brand-name drug.
Gather Social Security numbers and dates of birth for any dependents you wish to cover.
When you enroll, make sure your dependent information is correct and all your dependents are eligible.
Consider your FSA or HSA contribution amount.
Select an amount that will help you pay for your anticipated expenses with tax-free money. Learn how these accounts save you money.
Select your beneficiaries.
Designate your life insurance beneficiary information during the enrollment process. Don’t forget your 401(k) beneficiary, too, which requires logging on to the Principal Financial Group website.
During Open Enrollment, if you do not actively enroll by November 22, 2024, your current elections will rollover for 2025, with the exception of the FSAs. If you wish to participate in an FSA for 2025, you must actively enroll in that benefit.
If you are a new hire and you do not enroll within 31 days, you will only have MSCI-provided basic life and accident insurance, short-term disability (STD) insurance, and long-term disability (LTD) insurance.
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).
- Do I need to enroll?
During Open Enrollment, if you do not take action by November 22, your 2024 medical, dental and vision coverages will carry over to 2025. However, you MUST make new elections for Health Care and/or Dependent Care Flexible Spending Accounts, even if you contributed in 2024.
If you are a new hire and you wish to participate in benefits other than the MSCI Inc.-provided basic life and accident insurance, short-term disability (STD) insurance, and long-term disability (LTD) insurance, you will need to complete your New Hire task in Workday. Please ensure you submit your enrollment and print a confirmation of your elections for your records.
- What happens if I don’t enroll?
If you do not enroll during Open Enrollment, your current 2024 benefits will continue with the exception of the Health Care and/or Dependent Care Flexible Spending Accounts. You must re-enroll in the spending accounts each year in order to participate in 2025.
If you are a new hire and do not enroll within 31 days of your date of hire, you will only have MSCI Inc.-provided basic life and accident insurance, short-term disability (STD) insurance, and long-term disability (LTD) insurance.
- How are the medical plans different?
The key difference between the plans is how much you pay in payroll contributions and how you pay for services throughout the year. Consider how you prefer to handle costs. For instance, would you rather pay extra from your paycheck for a medical plan that covers more of your costs when you need care, or pay as little as possible from your paycheck — even if that means bigger bills when you need care? Compare the plans here.
- What’s the difference between the Health Care Flexible Spending Account (FSA) and the Health Savings Account (HSA)?
The way the Health Care FSA and the HSA work is largely the same — you contribute to your account through automatic, pre-tax payroll deductions, then use the money to pay for eligible health care expenses. However, there are some important differences. For example, unlike an FSA, MSCI contributes to your HSA. Plus, all the unused money in an HSA rolls over year after year and is always yours to keep whereas a FSA is a ‘use it or lose it’ plan. You can change your HSA contribution amount during the year whenever you want. Compare the accounts here.
- I have questions. Whom do I contact?
If you have questions about your benefit options, eligibility, or enrollment, email the US Benefits Team at askbenefits@msci.com. If you have questions about claims or coverage throughout the year, please contact the plan administrator using the Contacts list on this website.