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鈥檚
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 鈥淒ocuments
Library鈥� 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 dependent 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 prescription 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!