Open Enrollment Information

2025 Plan Year: Notable Changes & Open Enrollment Instructions

Below is a list of notable changes to the university's flexible benefits program for the 2025 plan year. Please note that a full description of all benefit offerings as well as important documents can be accessed on the Benefits Information & Forms page.

As in the past, all enrollments and changes will be completed using the Maxwell Health platform. Shortly, you will be receiving an email (to full-time, benefit-eligible employees only) from Maxwell Health. In this email, you will receive instructions about how to log into the Maxwell Health platform. As a reminder, Maxwell Health is not an insurance provider, but rather it is an online platform that allows employees to select and make changes to their benefits.

Wellness Incentive

Regardless of the medical insurance plan you choose, an additional annualized incentive of $250 for single coverage, or $500 for all other coverage levels is being offered for employees who complete the wellness activities in ConnectCare3 by November 25th, 2024. Incentives will be distributed through either (1) additional deposit to your HSA account for those enrolled in the HDHP OR (2) through an equivalent reduction to your medical benefit payroll deduction for those enrolled in the PPO $400 plan in 2025.

Opting Out of Medical Insurance

Full-time benefit-eligible employees who do not enroll in one of the university’s medical plans will receive $100.00 per month ($50.00 paid twice each month) provided they:

  • Show proof of alternative medical coverage AND complete the wellness activities in ConnectCare3 by November 25, 2024
  • If you have already provided proof of alternate coverage and your medical insurance has not changed, you do NOT need to resubmit your documentation. However, you must complete your wellness activities in ConnectCare3 for the 2025 Open Enrollment by November 25, 2024.

Spouse/Dependent Proof Now Required to Enroll in Benefits

In order to enroll your spouse, domestic partner, or dependents in benefits, you must submit proof of dependent status. You will also need to complete the Dependent Attestation form. This form, as well as acceptable forms of proof, may be found under the “Documents Library” in Maxwell Health.

If you do not submit proof, your spouse, domestic partner, or dependent will not be enrolled in benefits for the 2025 plan year.

Upon conclusion of the open enrollment period on November 22, 2024, you will receive an email from "HireForms" inviting you to create an account/log in to upload proof of depednent status via a secure online portal. The deadline to upload this documentation is December 6, 2024. 

Prescription Drug Coverage is now with Prime Therapeutics

Starting 1/1/25, your prescription coverage (previously with Highmark) will now be administered through Prime Therapeutics. You will receive a new ID card from Prime Therapeutics to use for perscription drugs after January 1, 2025.

RxManage - Optional RX Savings Program

RxManage offers a $0 copay on over 250 specialty and brand medications from FDA approved international pharmacies. This program offers convenient delivery of your specialty and brand medications right to your doorstep. RxManage is complementary to your existing prescription coverage and does not replace it. Please attend an Open Enrollment meeting for more information and how to participate in this program.

Other Benefit Highlights

Highlights of other benefits offered for the 2025 plan year include:

High Deductible Health Plan (HDHP $2000)

  • Will continue to be offered as an option for plan year 2025 with an associated Health Savings Account (HSA)
  • No changes to plan design
  • Employees who enroll in the High Deductible Health Care Plan will receive a deposit from the University into their HSA in the amount of $750 for single coverage, or $1,500 for all other coverage levels
  • Employees may choose to also fund their HSAs through pre-tax payroll deductions, up to the 2025 annual maximums of $4,300 single and $8,550 for all other coverage levels. These maximums include both employer and employee contributions to the account.

If you have secondary medical coverage (Medicare included) and your secondary plan is NOT another HDHP, you are ineligible to enroll in the Health Savings Account and receive funding (employer and employee).

If you are 65+ and enrolled in Medicare Part A and/or Part B, you are ineligible to enroll in the Health Savings Account and receive funding (employer and employee). The employer funding will be provided through payroll, not directly into an HSA account.

PPO $400 (with and without wellness incentive)

  • Will continue to be offered as an option for plan year 2025
  • No changes to plan design

Mental Well-Being for HDHP $2000 and PPO $400

  • Highmark has partnered with Spring Health to provide a Mental Well-Being solution, which includes a 24/7 virtual care program with tools, coaching, and clinical mental health support for members 6 years of age or older. Please refer to the Open Enrollment Presentation for more information.

Telemedicine

  • Your telemedicine benefit will remain with HealthiestYou

Other Spending Account Options

Spending Account Medical Spending FSA Limited Purpose FSA (Dental & Vision) Dependent Spending FSA
Plans PPO $400 plan only HDHP $2,000 only PPO $400 and HDHP $2,000
Annual Maximum Contribution $3,300 $3,300 $5,000
Rollover $640 N/A N/A

PLEASE NOTE: IF YOU DO NOT RE-ENROLL, YOUR SPENDING ACCOUNT ELECTIONS WILL NOT ROLL OVER TO PLAN YEAR 2025. Be sure to log in to Maxwell Health to reaffirm your spending account elections!

Dental Insurance

  • No changes to provider or plan design
  • No premium equivalent rate changes for any tier

Vision Insurance

  • No changes to provider or plan design
  • No premium rate changes for any tier

Voluntary Cancer Insurance through Sun Life

  • No changes to provider or plan design
  • No premium rate changes for any tier

2025 Benefit Contributions

Salary < $40,000

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year)
Single  $567.49 1.5% $24.63
Parent & Child $1,260.48 1.5% $136.79
Parent and Children $1,460.97 1.5% $171.24
Employee & Spouse $1,615.64 1.5% $210.41
Family $1,888.31 1.5% $245.92

Salary $40,000 < $62,000

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year)
Single  $567.49 2.5% $24.88
Parent & Child $1,260.48 2.5% $138.16
Parent and Children $1,460.97 2.5% $172.95
Employee & Spouse $1,615.64 2.5% $212.51
Family $1,888.31 2.5% $248.38

Salary $62,000 < $100,000

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year)
Single  $567.49 3.0% $25.00
Parent & Child $1,260.48 3.0% $138.84
Parent and Children $1,460.97 3.0% $173.81
Employee & Spouse $1,615.64 3.0% $213.57
Family $1,888.31 3.0% $249.61

Salary $100,000 or greater

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year)
Single  $567.49 4.0% $25.25
Parent & Child $1,260.48 4.0% $140.21
Parent and Children $1,460.97 4.0% $175.52
Employee & Spouse $1,615.64 4.0% $215.67
Family $1,888.31 4.0% $252.07

Salary < $40,000

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year) With Wellness Biweekly Deduction (24 pays / year) W/O Wellness
Single $975.30 1.5% $102.68 $114.08
Parent & Child $1,687.32 1.5% $296.16 $318.94
Parent and Children $1,960.40 1.5% $344.06 $366.85
Employee & Spouse $2,282.24 1.5% $400.56 $423.35
Family $2,506.57 1.5% $439.92 $462.72

Salary $40,000 < $62,000

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year) With Wellness Biweekly Deduction (24 pays / year) W/O Wellness
Single $975.30 2.5% $103.70 $115.22
Parent & Child $1,687.32 2.5% $299.12 $322.13
Parent and Children $1,960.40 2.5% $347.51 $370.52
Employee & Spouse $2,282.24 2.5% $404.57 $427.58
Family $2,506.57 2.5% $444.32 $467.35

Salary $62,000 < $100,000

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year) With Wellness Biweekly Deduction (24 pays / year) W/O Wellness
Single $975.30 3.0% $104.22 $115.79
Parent & Child $1,687.32 3.0% $300.60 $323.73
Parent and Children $1,960.40 3.0% $349.23 $372.35
Employee & Spouse $2,282.24 3.0% $406.57 $429.70
Family $2,506.57 3.0% $446.52 $469.66

Salary $100,000 or greater

Plan Type 2025 Monthly  Premium Eqivalent Rate 2025 Premium Rate Change Biweekly Deduction (24 pays / year) With Wellness Biweekly Deduction (24 pays / year) W/O Wellness
Single $975.30 4.0% $105.24 $116.93
Parent & Child $1,687.32 4.0% $303.56 $326.92
Parent and Children $1,960.40 4.0% $352.67 $376.02
Employee & Spouse $2,282.24 4.0% $410.57 $433.93
Family $2,506.57 4.0% $450.92 $474.29