Welcome to 2025 Open Enrollment!
November 4th – November 15th, 11:59 PM CSTOpen Enrollment for 2025 is your opportunity to enroll in, modify, or waive coverage for the upcoming year. It’s essential for employees to thoroughly evaluate the available benefits and select options that best meet their family’s needs. Please be aware that Open Enrollment is a passive event, meaning that if you take no action, your 2024 benefit choices will automatically continue into 2025, with the exception of Flexible Spending Accounts (Health Care and Dependent Care) and Health Savings Account contributions. Get your elections in before Open Enrollment closes!
Where do I go to enroll in Benefits? Benefits enrollment is managed through our third-party vendor, Alight. You can access the single sign-on feature through the US Benefits Portal Application in Workday or click here to go directly to the Alight portal.
Things to Consider for Open Enrollment
● Update Beneficiaries. Ensure your beneficiaries are named and up to date to safeguard the right person(s). This can be done on the Alight portal. Beneficiary changes for the retirement plan are managed separately on the Empower portal.
● Update Dependent Information. Ensure all dependent social security numbers are updated, especially for employees who welcomed a newborn child this year.
● Evaluate Benefit Options. Use this opportunity to evaluate your benefit options for the upcoming year. Remember, the only other time you can make changes is if you have a qualified life event.
● Compare Health Plans. Review the different health plan options, including premiums, deductibles, copays, and out-of-pocket maximums. Need some help? Use the medical plan tool in the Alight portal.
● Check Network Providers. Ensure your preferred doctors and hospitals are included in the plan’s network.
Things to Remember
● Vendor ID Cards. When you enroll in benefits for the first time, you will receive cards from some of the vendors prior to January 1. Those who are rolling over their current benefits from 2024 will not receive new cards except for medical. This year only, all employees who enroll in medical coverage will get new cards due to the HAS program. Our Dental and Vision providers do not send cards. To use these benefits, inform your provider of the insurance carrier and provide your SSN. This information is sufficient to look up the plan information and run a claim. You can also contact MetLife (dental) and VSP (vision) directly using the details below:
MetLife:
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- 800.942.0854
- Group number: 229496
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Vision Services Plan (VSP):
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- 800.877.7195
- Group number: 30022223
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● Health Savings Account (HSA). Those enrolled in the High Deductible Health Plan (HDHP) are eligible to participate in the HSA. You can change your HSA contributions at any time through the Alight portal. To do so:
1. Visit Workday and select “US Benefits Portal” under “Your Top Apps” on the right-hand side of the Workday home screen.
2. Click “Alight SSO”.
3. On your benefits home screen, select “Change Your Coverage” at the top.
4. Under “Most Popular”, click the “Change HSA” box
Benefit Changes for 2025
● Health Savings Account (HSA) Limits. The IRS limits for the Health Savings Account have increased to $4,300 for individuals and $8,550 for families.
● Commuter Benefits Limits. The IRS limits for Commuter Benefits have increased to $325 per month for both transit and parking.
● Flexible Spending Accounts (FSA) Limits. The IRS limits for Health Care Flexible Spending Accounts have increased to $3,300 for 2025. The Dependent Care Flexible Spending Account remains unchanged at $5,000.
● Total Pet Discount Plan. The Total Pet Discount plan will be discontinued as of January 1, 2025. Employees currently enrolled in the plan who wish to continue participating can port their coverage by visiting petbenefits.com and selecting “renew your coverage.”
● Employee Assistance Program (EAP). The Employee Assistance Program (EAP) through ComPsych will no longer be available as of January 1, 2025. As a reminder, employees have access to mental health support and employee assistance program through Lyra.
● New Medical Cards. All employees will receive new medical cards for January 1 regardless of any changes in coverage. The new card will include the addition of the number for the HAS program.
New for 2025!
● Enhanced Vision Plan. The vision plan has been enhanced! Your frame and contact allowance will increase to $225.
● Diabetes Management Program. We are partnering with Teladoc (formerly known as Livongo) and BCBSIL to offer a diabetes management program. Employees enrolled in medical insurance will receive a free blood glucose monitor, unlimited test strips, and access to health coaches.
● Enhanced Voluntary Plans. The voluntary Accident, Critical Illness, and Hospital Indemnity plans have been enhanced. Employees will have access to a larger benefit should an accident, critical illness, or hospital indemnity claim occur.
● Health Advocacy Solutions (HAS). Ryan Specialty is partnering with BCBSIL and Health Advocacy Solutions (HAS) to provide access to a team of health advocates. Services through HAS are dedicated exclusively to Ryan Specialty. Representatives will assist with:
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- Answering health care questions
- Claims management
- Finding the right provider
- Finding lower-cost treatment options
- Assistance with scheduling appointments
- Getting preauthorization
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This feature is available to employees during Open Enrollment by calling (855) 649-9633. The BVA number listed on the back of your medical insurance card currently can still be used through the remainder of 2024.
● Pet Insurance Program. We are excited to rollout a true Pet Insurance program through Wishbone. Wishbone offers different plan options to fit your budget and coverage needs. To get started, visit Pet Insurance by Wishbone. Premium deductions will be managed directly with Wishbone. To get started or obtain a quote, click here.
● Tuition Reimbursement Program. A formal tuition reimbursement program will be available to eligible employees Q1 2025.
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