2027 Plan Year Open Enrollment

East West's Annual Enrollment is here! This is your chance to make or change elections to your health insurance to take effect on 1/1/2027. This is your only opportunity to make or change elections outside of experiencing a Qualified Life Event.

Overview

Resources

Next Steps

Overview

Open Enrollment comes with a lot to consider, but you don’t have to figure it all out at once. There are plenty of resources available to help you understand your options and make informed choices. We’ll start with the basics: when you can make your elections, which benefits are provided automatically, which require you to actively enroll, and what happens if you don’t take action during Open Enrollment.

Summary Things to Consider 2027 Rates

Summary

Open Enrollment is your once-a-year opportunity to review your benefits and make changes for the upcoming year. Outside of Open Enrollment, changes to most benefit elections can only be made if you experience a qualifying life event (QLE), such as marriage, divorce, birth or adoption of a child, or a change in other coverage.

This year is a Passive Enrollment year, meaning most of your current benefit elections will automatically continue into the new year if you take no action.

Important Exception - Flexible Spending Accounts (FSAs): IRS regulations require employees to make new FSA elections each year. This includes Healthcare, Limited Purpose, and Dependent Care FSAs. Current FSA elections will NOT automatically roll over into 2027. If you wish to participate, you must actively enroll and select your annual contribution amount during this Open Enrollment period.

Open Enrollment runs from October 26 through November 6. This is your window to review your benefits and submit any elections or changes for the upcoming year in Rippling. Any changes must be completed and submitted within this timeframe.

Because this is a Passive Enrollment, if you do not submit changes by November 6, most of your current benefit elections will automatically carry over into the new year. Exceptions apply to benefits that require a new annual election, such as Flexible Spending Accounts (FSAs).

Things to Consider

Considerations for Open Enrollment

Even if your current benefits worked well this year, Open Enrollment is a great time to consider whether they still fit your needs for the year ahead. Think about what has changed—or what you expect may change. A different medical plan may make more sense if your healthcare needs, prescriptions, providers, or anticipated expenses have changed. If you’re planning to start or grow your family, expecting a procedure, or managing ongoing care, take time to compare your options and potential out-of-pocket costs.

Your other benefits deserve a review, too. A growing family, new financial responsibilities, or other life changes may be a reason to consider increasing your life insurance for added financial security. You may also want to review your HSA or FSA contributions, supplemental coverage, and other voluntary benefits. Open Enrollment is your opportunity to look at the full picture and make sure your benefits continue to support you and your family.

2027 Rates

2027 Bi-Weekly Per Check Rates

Please click on the Rate sheet below that corresponds to the arm of East West Family of Companies you are employed with to view your Medical, Dental, and Vision per check premiums for 2027.

EW Hospitality

EW Partners and Slifer, Smith, & Frampton

EW Hospitality - Urban Managements

Updated Resources

Resources

With so much to consider during Open Enrollment, we’ve got you covered! Below, you’ll find upcoming and recorded virtual presentations, along with helpful resources and ways to connect directly with our benefit partners.

Virtual Presentations Contacts 2027 Rates

Virtual Presentations

Virtual Presentations:

Tuesday October 13th 11:30am: Transcarent Surgical Centers of Excellence
- Care navigation and surgery support, find out more about how their Centers of Excellence can offer potential FREE non-emergent surgeries.
- ENGLISH VIDEO SPANISH VIDEO
Wednesday October 14th 1:00pm: ID Watchdog
- Explore the tools and resources available to help protect your identity, monitor your personal information, and respond if identity theft occurs.
- ENGLISH VIDEO
Thursday October 15th 11am English & 12pm Spanish: 401(k) and Roth Retirement Plans
- Join retirement experts from Creative Planning to learn about available resources and ways to make the most of your retirement savings. Spanish session at noon.
- ENGLISH VIDEO SPANISH VIDEO
Monday October 19th 1:00pm: Nationwide Pet Insurance
- Available to all employees, learn how pet insurance can help you prepare for unexpected veterinary expenses.
- ENGLISH VIDEO
Tuesday October 20th 11am English & 12pm Spanish: Health Savings Accounts (HSA)
- This benefit offers a triple-tax-advantage! But what does that mean? Join and see how an HSA can help you save and pay for eligible healthcare expenses. Spanish session at noon.
- ENGLISH VIDEO SPANISH VIDEO
Wednesday October 21st there will be 2 presentations
- 11am Rx Benefits/CVS Caremark:
  - Understand how prescription coverage works through CVS Caremark. Mail order, specialty drugs, and more.
- ENGLISH VIDEO
- 12pm Voya Supplemental Coverages:
  - Take a dive into supplemental coverages like Accident, Critical Illness, Hospital Indemnity, and Voluntary Life and AD&D.
- ENGLISH VIDEO
Thursday October 22nd 12:00pm: Anthem Medical, Dental, and Vision plans
- The big 3 of the enrollment season! You'll see the same great options during Open Enrollment, take the time to learn about the plans and ask yourself, if you are on the one that is best for you?
Friday October 23rd 11:30am: Health Advocate
- Wrapping up the series, discover how their experts can help you navigate and utilize all of the information from the previous sessions to make the best decision for yourself and dependents during this Open Enrollment.

Contacts

Health Advocate: this partnership is available to help you select a plan right now, you can be as specific as you feel comfortable being, they are HIPAA compliant, meaning nothing is shared about your personal health information. Available to answer ALL benefit related questions.

They can also help find and schedule appointments with in-network providers, give claims assistance and answer billing questions, help file appeals if necessary, walk you through a pre-authorization, and so much more. Enrollment assistance is literally just the beginning of what all they do.
866-989-2942 or email answers@healthadvocate.com

Anthem: Available for Medical, Dental, and Vision. Review YTD claims and have an idea of your expenses and plan usage.