MUST ONLINE MARKET
MEMBER GUIDE
2015
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Contents
Access to Online Enrollment ......................................................................................................................... 3
Usernames and Passwords ........................................................................................................................... 3
Forgot Username / Password ....................................................................................................................... 4
Verify Your Information ................................................................................................................................ 4
Verify Your Family Information ..................................................................................................................... 5
Select Your Benefits ...................................................................................................................................... 7
Plan Selection With Ask Emma ..................................................................................................................... 7
Plan Selection Without Ask Emma .............................................................................................................. 13
Group Plans ................................................................................................................................................. 15
Beneficiary Information .............................................................................................................................. 16
Supplemental Life Insurance Plans (Employee, Spouse, Child(ren)) .......................................................... 17
Election Confirmation ................................................................................................................................. 18
Confirmation Statement ............................................................................................................................. 19
Logging Out ................................................................................................................................................. 20
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Access to Online Enrollment
To access your online enrollment go to Mustenrollment.bswift.com. For this website to work well you
should use the most recent version of the following browsers: Microsoft Internet Explorer, Mozilla
Firefox, Safari, or Google Chrome.
Usernames and Passwords
Username: First Initial of First Name, First 3 Letters of Last Name, Last 4 of SSN
Password: Date of birth (mmddyyyy)
Example:
First Name: JOHN
Last Name: SMITH
Social Security: 123-45-6789
Birth Date: November 26, 1975
Username Example: JSMI1234
Password Example: 11261975
NOTE: Once you log in, you need to accept a brief user agreement and change your password. Hit Save
and go to your Home Page.
!
Please note: It is important that you log off when you are done. Although the online benefits
enrollment site is secured and your information is encrypted, logging off is another way to protect your
information. To exit, click the Log Out icon in the upper right-hand corner of the enrollment site.
For security purposes, the system will automatically log you out if you leave your system idle for more
than 30 minutes. When using the site, please avoid the browser’s back button because it will log you out
of the site. All pages on this website are encrypted to keep your data secure. Please use the buttons
within the page such as “back” or “save and continue”.
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Please accept the terms of the agreement and click “Continue” to enroll in your benefits. You will have
to do this on your initial login but you will not have to do this again.
All users are asked to change their password after the first time they log in. Please notice that passwords
must be at least 8 characters long, contain at least 1 number and at least 1 special character (!, $, @,
etc.).
To begin your enrollment from the Home Page, click on the “Enroll Now” button.
Forgot Username / Password
If you have forgotten your username, please call MUST at 1-800-845-7283.
If you have forgotten your password, then you can click the ”Forgot Password” link to have a temporary
password sent to you or you can call MUST at 1-800-845-7283 to obtain a temporary password. You will
be required to change your password.
Verify Your Information
To begin, please verify the accuracy of your personal information (SSN, DOB, etc.) If you need to make
any changes to bolded information, please contact MUST (1-800-845-7283). When you are finished,
please click “I agree” and “Continue.”
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Verify Your Family Information
To add dependents click on the Add Dependents link. When all family information is accurate, check “I
agree” and click “Continue.” At this point, you are not adding your family member to your benefit
coverages, just adding them as listed dependent(s).
If you wish to add dependents, please note that all fields with an asterisk (*) are required. Please make
sure that you enter information in the field marked with an asterisk (*) for every dependent.
NOTE: All names and addresses should be entered in ALL CAPS. When all of your family information is
accurate, check “I agree that the above information is correct” and click “Continue.”
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After you verify your personal and family information, the system will guide you through your
enrollment process.
! Please Note: To finish, you must click on the “Save My Enrollment” button at the end of the
enrollment and confirmation process.
(continued)
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Select Your Benefits
To enroll in your benefits you have the option of utilizing the Ask Emma tool or continuing without it.
Ask Emma is a virtual benefits support tool. She’ll ask you a few questions and help you figure out the
best fit Medical plan. To use Ask Emma, continue to the next section of this enrollment guide. If you do
not want to use Ask Emma, move onto page 13.
Plan Selection With Ask Emma
You’ll hear an introduction from Ask Emma and can click “Let’s Go” to start your enrollment.
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You will have the option to waive health coverage by clicking the “I do not want a health plan” link. If
you do want coverage, continue by clicking the “Let’s get started” button.
Before you select a plan, let us know which dependent(s) you would like to have under the plan. Check
the box next to the name of the dependent listed. You may also add a new dependent by clicking on the
“Add Dependents” link.
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Ask Emma gives you the option to find out more about out-of-pocket costs. To move to the next step of
enrollment, click “Continue.”
After selecting dependents for medical coverage, you can indicate the general health of you and your
dependents. Doing so will help the system estimate your total premium and estimated out-of-pocket
costs. To move to the next step of enrollment, click “Continue.”
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Next, you can indicate any upcoming medical needs to further assist Emma in estimating the cost of
your insurance.
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Now you can see your plan options along with premium and out-of-pocket costs. You can also compare
plans side by side, get more information, view plan details, and even see your costs for the worst-case
scenario.
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After you select a medical plan, Emma will announce her exit. You will see your plan summary as well as
cost summary in the top left-hand corner of the screen. For your plan selection to be complete, you
must click “Save and Continue Enrollment.”
To select other non-group plans (Dental and Vision) follow the steps described for Medical Plan
Selection. Ask Emma will be turned on for a few of the plans unless you decide to turn it off.
You can find your cost summary in the top left-hand corner of the screen.
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Plan Selection Without Ask Emma
Choose the dependents you would like to cover.
Select the medical plan you would like for you and any dependents by clicking on the radio button next
to the plan name.
To find out more information on each plan available, click on “View Plan Details” or you can compare up
to 3 plans. When your selection is complete. Click “Next.”
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On the Plan Details page, you can go back to enrollment by clicking the blue button.
On the Compare Plans page, you can select a plan or go back to enrollment.
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When you’re finished with your selection, click “Next.” To complete your selection, you must click “Save
and Continue Enrollment.” Then you can see your plan summary as well as a cost summary in the top
left-hand part of your screen.
You can use the steps above to guide you through selecting other non-group plans (Dental, Vision etc.).
Any time during enrollment, you can go back to a plan and change your selection.
Group Plans
You may be automatically enrolled in other employer benefits such as Basic Long Term Disability. These
auto-enroll plans come at no cost to you, the employee, so just go head and click “Next” to move on.
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Beneficiary Information
Because you are enrolled in Basic Life or Employer Paid Life, you need to designate one or more persons
as primary beneficiary. For each person or beneficiary, you determine the amount of benefit to them by
entering a percentage. For example, if you list two individuals as your primary beneficiaries, you can
assign 50% to each or any other percentage, like 75% & 25%. The combined percentages must equal
100%. Secondary beneficiaries are optional. All dependents will automatically appear as beneficiary
options. You can also add other beneficiaries by clicking the “Add Beneficiary” link.
Similar to other plans, you must click “Save and Continue Enrollment” for you selection to be complete.
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Supplemental Life Insurance Plans (Employee, Spouse, Child(ren))
In addition to the Medical, Dental, Vision and employer-sponsored benefits, you may have the option to
enroll in Voluntary Life Insurance. The enrollment for this is a little different. You need to determine the
dollar amount you want for the coverage under “Coverage Amount.” To see your cost per pay period for
each coverage amount, click on the “Calculate Costs” link. When you are satisfied with your election,
click “Next.”
A warning will appear if you elect an amount above the guaranteed coverage amount:
Coverage amount exceeds the guaranteed issue from the insurance
carrier. Therefore, you will need to complete an Evidence of Insurability
form and submit it to the carrier for approval. When the carrier approves
the requested amount, MUST will update the system and the new coverage
amount will be reflected on your confirmation statement and in your pay
check.
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Election Confirmation
On the final review page, carefully examine all of your benefit elections and covered dependents. You
can change your election by clicking “Edit” for any of your plan selections. Please note that some of your
elections may appear as pending upon approval by the insurance carrier.
!
Please note: your selections are not complete until you click “I agree, and I’m finished with my
enrollment” and “Save My Enrollment!”
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Confirmation Statement
It is important that you retain your confirmation statement of elections. To do so, click on the “Print,
View, or Email (if applicable)” icon on the right hand side of your screen. To view your benefits on a
specific date, enter the date and click “Recalculate”.
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Logging Out
When you have completed any actions on the Benefits site, please be sure to log out by clicking the “Log
Out” button on the upper right hand corner of your browser.
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