2020 Annual Enrollment has ended. Review your 2020 elections in the Benefits Service Center.




Call the Benefits Service Center at 888-860-6178. Help is available Monday–Friday, 9 a.m.–6 p.m. CT. You can also chat or send a secure email by logging into the Benefits Service Center.

Although Annual Enrollment is over, there may be more that you need to do. Please note the Benefits Service Center will keep you apprised of any upcoming actions you may need to complete.

  • Dependent Verification – Documentation demonstrating relationships such as a birth certificate or marriage certificate is required before dependents can be added to your medical, dental or vision care coverage. Look for a notification around mid-November advising your individual due date to submit documentation through the Benefits Service Center. If you have already submitted documentation previously for your dependents, this information will automatically carry over.
  • Statement of Health (SOH) – Certain increases in your life or disability coverage elected during Annual Enrollment may require a statement of health (also known as an Evidence of Insurability (EOI)). Team members who need to complete this form can access the link through your alerts on the Benefits Service Center. If you are unable to complete the online form within seven (7) days of enrolling, a SOH will be mailed to your home address.
  • Verify Beneficiaries – Log into the Benefits Service Center to verify your beneficiaries for your life and AD&D coverage. You can update your beneficiaries at any time.


Things to keep in mind as we approach 2020:

  • New Medical ID cards should arrive at your home in mid-December.
  • Smart-Choice Accounts will be your spending account provider in 2020. If you elected a spending account for next year for the first time, you’ll receive a debit card to use in mid-December. If you have a current YSA account, you will be mailed a Smart-Choice Accounts debit card in mid-December to replace your YSA debit card. As part of the transition, you’ll be able unable to process reimbursements from your remaining 2019 account balances Jan. 1 to 14, 2020. We’ll share more soon so you’ll know what to expect. Remember that you can carry over up to $500 of remaining Flexible Spending Account (FSA) funds from 2019 to 2020.

Your newly enrolled benefits begin on Jan. 1, 2020.

2020 Annual Enrollment Guide

Your Annual Enrollment guide includes detailed information on 2020 changes, coverage and rates.

What’s new for 2020?

New dental options

We’ve heard you want better dental benefits with a choice of plans. We’re replacing most current offerings with two new options that provide a clear choice based on your coverage needs. The TWU option will remain in place.

Basic Dental: You’ll pay a little less per month for $1,000 in coverage.

Plus Dental: You’ll pay a little more per month for $2,000 in coverage. You must stay in this option for two years.

Creating your own journey to well-being

For 2020, we’re introducing Journey to Well-Being powered by Limeade, another step in caring for you on life’s journey. Journey to Well-Being is an enhanced program that supports you in four main areas of well-being, including the physical, emotional, work and financial sides of your life. You and your covered spouse or domestic partner will continue to be able to earn your $250 in Wellness Rewards, but with our new program, you’ll have more ways to earn than ever before. In 2020, you can still earn rewards by completing the same activities you did in 2019, but you can define your own well-being journey by choosing activities that make sense for you and your life. Look for more information later this year.

Easier health account access

You’ll access Smart-Choice Accounts through the Benefits Service Center via my.aa.com. The new experience, which replaces Your Spending Account (YSA), should make it easier to find:

  • Your account balance
  • Any actions you need to take
  • Your recent activity and pending claims

If you have a current YSA account, you will be mailed a Smart-Choice Accounts debit card in December to replace your YSA debit card. As part of the transition, you’ll be able unable to process reimbursements from your remaining 2019 account balances Jan. 1-14, 2020. We’ll share more soon so you’ll know what to expect.

Life Insurance changes

We’re letting you increase voluntary life insurance to certain levels without a Statement of Health during this Annual Enrollment. We’re asking you to provide the name and birth date of any children you are covering by child life insurance.

Extended life event timeline

When life changes in the middle of the year, you may be eligible to make any needed changes to your benefits. Starting Jan. 1, 2020, you’ll have up to 60 days to make any needed changes to your benefits and 31 days after that to submit any required documentation.

Renaming the Value option

We’re renaming the Value option as “High Cost Coverage” for 2020. The new name better reflects how it compares with your other medical options.

Why? The “Value” name can be confusing because it may not be the best value for you based on your medical needs. Generally, covered services are the same among plans. However, what you pay for them varies. This option has historically had the highest paycheck contributions for team members, and that will continue to be the case for 2020. And, if you factor in all potential costs for 2020 (including deductible, out-of-pocket maximum and paycheck contributions), this option will cost more than the Standard option.

The Value option name is not intended to convey that it is better than the other plan options.

Paycheck contributions increasing

Health care costs in the United States continue to see large increases annually, and American’s self-funded plans are certainly affected by that. Take a look at all your options when selecting a medical plan to make sure you’re getting the right coverage for you.

For DFW-area team members: a new medical option

We’re partnering with Baylor Scott & White Quality Alliance (BSWQA)—an integrated health care network that is part of Baylor Scott & White Health—to offer you a new kind of health care experience available in the Dallas-Fort Worth (DFW) area.

About DFW ConnectedCare

DFW ConnectedCare uses the BSWQA network of more than 5,000 primary and specialty care providers, 50 hospitals, and more than 95 facilities, laboratory and imaging service providers—all conveniently located throughout the DFW area. In addition, BSWQA partners with select providers and facilities that include Methodist Health System, Cook Children’s and Children’s Health.

Your primary care physician (PCP) acts as a quarterback for your care. Your PCP and all of your other BSWQA health care providers and facilities work together to understand your health care needs. They are all committed to making sure you stay in-network, your care is coordinated and you get the right care at the right time.

Check if this plan is available to you on the eligibility map.

You can see if your preferred provider(s) are in-network by visiting dfwconnectedcare.com.