2025 Open Enrollment is Here

Changes to the benefits program are outlined below. If you have questions specific to your circumstances, please reach out to your confidential benefits resource, collectivehealth@ajg.com, or your Collective Health benefits team by submitting an Employee Benefits Ping Ticket.

The Details

Medical Plans

There are no major changes to our Medical plans. We have enhanced our plans design to cover one preventative mammogram per plan year for all employees and dependents aged 18+. No other plan changes to our Medical plans.

You still have the option between Core and Plus Medical plans with Blue Shield of California. To view specific Medical information by location, click the appropriate link below:

Dental Plans

There are no changes to our dental plans. You still have the options between Core and Plus dental plans on Guardian or Collective Health for Guardian:

• The Core plan has an in- and out-of-network deductible ($50 individual / $150 family), higher coinsurance and lower orthodontia coverage.

  • This is a great option for those who typically only use preventive care (e.g. oral exam, cleanings, routine x-rays) and want to pay lower premiums (employee premiums are 100% covered).

• The Plus plan has no deductible and higher coverage but comes with cost share for employees and higher overall premiums.

Vision Plan

No changes here to our vision plan - employee premiums are still 100% covered. You still have the option for either a pair of frames, OR a $400 allowance for contact lenses in lieu of new frames. See Vision plan details here.

NEW! Pregnancy Leave

We are excited to introduce a new Pregnancy Leave policy. Effective 01/01/2025, all employees who are birthing parents are eligible to take Pregnancy Leave upon hire. Here are the details:

• 1 week of paid pre-birth leave

• 7-9 weeks of post-birth leave, with wage replacement (coordinated with any applicable state/local & disability benefits)

  • 7 weeks for vaginal delivery

  • 9 weeks for C-Section delivery

As with other Leave of Absence, Pregnancy Leave will be administered by The Larkin Company. Full details can be found in the Employee Handbook on 01/01/2025.

Wellness — via Forma

We are excited to announce a few new categories and items that will be eligible for reimbursement under the Wellness Stipend as of 01/01/2025. See below!

• Fitness Trackers (Apple Watch, Fitbit, Garmin, etc.)

• Oura Rings

• Massage Guns/Massage Equipment

• Non-Prescription Blue Light Glasses

• National Park Passes

As a reminder, we continue to offer the $100/month Wellness Stipend with a quarterly reset policy!

• $100/month stipend can be accumulated throughout the quarter; however, any unused funds at the end of the quarter will be lost. Your account balance resets at the beginning of each quarter.

• Claims are required to be submitted in the quarter the cost is incurred - no retroactive claims will be accepted.

• You must be an active employee at the time of claim submission

• Reimbursement of your One Medical membership is continued as an eligible Wellness expense.

More information about the Wellness Stipend can be found here.

HRA — via Forma

No change to the Health Reimbursement Arrangement (HRA), which helps to offset medical, dental and vision costs when you opt into any of the Core medical plans.

• Enroll in any of the Blue Shield Core medical plans and the company will contribute $375 for Employee Only plans or $750 for all other enrollment plans (Employee + Spouse, Employee + Family, etc.)

• HRA dollars can be used to fund co-pays, out of pocket expenses towards your deductible, prescription costs, among other eligible expenses.

More information about the HRA can be found here.

FSA — via Forma

If you are enrolled in a Healthcare FSA for the 2024 plan year, up to $640 of your unused balance will rollover to the 2025 plan year. Dependent Care FSA does not have rollover but instead has a 2.5 month grace period which allows claims to incur until 3/15/2025 for the 2024 plan year’s contribution (must be submitted by 3/30/2025).

The 2025 Healthcare FSA will only apply to eligible expenses between January 1, 2025 - December 31, 2025. If you leave the company, your FSA will end on your final day.

• 2025 Healthcare FSA - up to $3,300 pre-tax dollars can be set aside for healthcare eligible expenses like medical, dental, vision costs, prescriptions, copays and/or out-of-network expenses. More details for Healthcare FSA here.

  • Rollover up to $660 unused dollars to the following plan year (2026).

  • Reminder: Over-the-counter (OTC) medications (e.g. Tylenol, Zyrtec, cold medicine) and feminine care products (e.g. pads, tampons) are now FSA eligible.

• 2025 Dependent Care FSA (DCFSA) - up to $5,000 pre-tax dollars can be set aside for dependent care eligible expenses like daycare, elder care, preschool, day camps. More details for DCFSA here.

Headspace/Headspace Care

NEW! We are enhancing our Headspace Care offering by including 8 subsidized therapy/psychiatry sessions per year for every employee and up to 5 dependents, each receiving 8 subsidized sessions!

We are continuing to offer Headspace and Headspace Care to all employees (including Headspace Care Teens) with no other changes.

• Headspace subscription for you and your dependents. Headspace provides quick and easy access to meditation and more!

• Headspace Care provides on-demand, chat based support from a certified behavioral healthcare coach 24/7.

• Headspace Care Teens - adolescent dependents between the ages of 13 and 17 can also benefit from Headspace Care! See here for more details.

Life & Disability

We continue to offer the same basic life and AD&D insurance and voluntary life insurance for you and your dependents.

Short and Long Term Disability

Same STD/LTD plans:

• Short Term Disability (STD) covers 60% of your weekly pay to a weekly maximum benefit of $3,250.

• Long Term Disability (LTD) covers 60% of your monthly pay to a monthly maximum benefit of $14,000.

Voluntary Insurance Plans

No changes to our Voluntary Insurance Plans. We continue to offer the following:

• Accident Plan - Guardian

• Hospital Indemnity Plan - Guardian*

• Legal Service Plan - ARAG

• ID Theft Protection Plan - Norton LifeLock

• Pet Insurance - Pets Best

*Hospital Indemnity is not health insurance.

Learn more about your 2025 Financial Benefits here.

FAQs

General OE Questions

I don’t want to make changes to my current benefits, do I have to participate in Open Enrollment and make elections?

• No. This year is a passive enrollment, meaning if you are not wanting to change your current elections for the 2025 plan year, your current 2024 elections (excluding FSA/DCFSA) will be carried over to next year.

  • If you would like to make FSA/DCFSA contributions for 2025, they will need to be re-elected in BeneTrac.

• As a reminder, open enrollment will run from October 28 through November 8th. Please make your benefits election in BeneTrac (password: betterhealth).

What are qualifying events? If I experience one, what’s the process to add my dependent(s)?

• A ‘qualifying life event’ (QLE) is defined by the IRS, and allows you to make changes to your benefits (i.e. add or drop dependents) outside of the open enrollment period. Common examples include marriage, divorce, the birth or adoption of a child, and loss of coverage for yourself or your spouse/domestic partner or dependents. Reach out to the Collective Health Benefit team by submitting an Employee Benefits Ping ticket for more information.

• You have 30 days from the qualifying event date to make changes. You can do so by reaching out to the Collective Health Benefit team by submitting an Employee Benefits Ping ticket with information and documentation about your QLE. Your BeneTrac account will then be unlocked for you to submit changes.

Are domestic partners eligible for benefits coverage? How do we define a domestic partnership?

• Yes. For the purposes of benefits enrollment, we define a domestic partner as someone with whom you share an interconnected domestic life (think, shared financial and domestic responsibilities). We do not require any legal certification of domestic partnership. Note that premium deductions for domestic partners are post-tax.

I am a new hire starting during Open Enrollment, how can I make elections for the 2025 plan year?

• Welcome! Start with electing and finalizing your New Hire benefits in BeneTrac for the current plan year (now through December 31, 2024) during your first week. After that, the Benefits team will reach out letting you know that your BeneTrac account has been re-opened for you to make your Open Enrollment elections for the 2025 plan year. You will have 1 week after your account is re-opened to submit your Open Enrollment elections.

If I do not want to make changes and plan to elect the same plans for 2025, will I receive new insurance cards for 2025?

• Medical

  • No, you will not receive new medical cards in 2025.

• Dental -

  • Guardian Platform: No, Guardian does not provide insurance cards

  • Collective Health Platform:  No, only members changing plans will receive new cards.

• Vision: No, VSP does not provide insurance cards

• FSA  - Forma: If you currently have a Healthcare FSA/Dependent Care FSA, you will receive a new FSA Card in the mail in November/December. If you did not have an FSA/DCFSA election in 2024, but will in 2025, you will receive a Forma FSA card in the mail in January.

• HRA - Forma: No, HRA cards will not be sent out from Forma. To submit a reimbursement claim under the HRA please use the Forma website or app.

I can’t access my BeneTrac account. Is there a way to reset my password?

• Yes! If you are not able to login to BeneTrac due to password or username issues, please click the “Forgot your User Name or Password?” button on the main login screen.

  • If for some reason that still does not work, please reach out to the Collective Health Benefits team by submitting an Employee Benefits Ping ticket and we can assist.

Healthcare and Wellness Benefits Questions

How do I access the wellness benefit?

• To sign into your Forma account, please go to the login page and click “Sign in”. This will direct you to login via Okta. Alternatively, you can click “Get magic link” on the login page. A MagicLink will be sent to your email inbox. It contains a link that will log you directly into Forma. Once you have logged in for the first time, you may also choose to create a password as an alternative login method going forward. 

• There are 2 ways you can spend your wellness stipend through Forma: 

  • Forma Store: includes a list of pre-approved products and services that can be purchased directly through the store using your stipend. Many of these products are discounted as much as 30%. 

  • Claims Reimbursement: Purchase eligible items using a personal form of payment and submit a manual claim for reimbursement via direct deposit.

• Employees will receive $100/month, which can be accumulated throughout each quarter ($300/quarter). This is a quarterly benefit and claims need to be submitted before the end of the quarter in which the expense was incurred in order to be eligible for reimbursement.

• Remember, the wellness reimbursement is considered taxable income (you can read more about our wellness benefit on your location-specific benefits site - SF, Chicago, Lehi).

• Please also remember that if you have a recurring claim, such as a gym membership, you will need to submit a new claim each month, attaching the purchase receipt from that month.

I am an Utah employee - what is the difference between the Blue Shield Full Select Network, and the Blue Shield Blue Card Network?

• The Blue Shield Full Select Network offers the Intermountain Health network as INN (UofU Health is OON).

• The Blue Shield Blue Card Network offers the University of Utah Health network as INN (Intermountain Health is OON).

I’ve noticed we have different premiums for hourly vs salaried employees.  Why is that?

• Our benefits cost sharing strategy aligns with the company’s business strategy to provide no barriers to access healthcare. In order to allocate costs to help achieve that goal, we have different premiums for employees in hourly roles vs those in salaried roles. Collective Health continues to bear the majority of the cost, making healthcare affordable and accessible to all employees.

How can I access virtual care on our Blue Shield plans?    

• Blue Shield offers a telemedicine option called Teladoc. Teladoc provides you 24/7 access to virtual doctor visits via their app with a $0 visit copay. See here to learn more about Teladoc.

HRA and FSA Questions

What is an HRA and how is it different from an FSA?

• Health Reimbursement Arrangement (HRA) is a tax-advantaged account funded by Collective Health to help cover your health care costs. The money contributed to an HRA is not taxed. You can access these funds to pay for any qualified medical expense for you or your dependents.

• Only your employer can contribute to HRA; whereas a Flexible Spending Account (FSA) is funded by employee contributions.

What are the FSA maximum elections, and if I enroll in an FSA product, will the $ amount expire at the end of December 2025?

• The IRS announces the annual maximum contribution amounts each year. The current maximum amounts are:

  • Dependent Care FSA - $5,000

  • Healthcare FSA - $3,300

• If you enroll in a 2025 Healthcare FSA, you’ll want to elect the amount you anticipate needing for the next year, as the funds will expire after December 31, 2025 (with up to $660 of unused funds eligible to carryover to your 2026 Healthcare FSA ). Otherwise, you might need to spend some time on FSAstore.com!

• If you enroll in a 2025 Dependent Care FSA, the balance will expire after March 15th, 2026, with no carry over allowed, you have until 3/31/2026 to submit eligible claims incurred in the 2025 plan year.

• These plans must be elected each year, your elections will not carry over.

How do I enroll in Commuter Benefits?

• Everyone will be provided access to the Forma portal. If you’d like to enroll in a commuter plan(s), please enroll and elect your monthly contribution amount directly in Forma’s portal. You can change your election amount on a monthly basis. The deadline to submit your monthly election is the 15th of the prior month. For January 2025, please submit your commuter plan(s) contribution amount by December 15th, 2024.

Headspace & Headspace Care

Will we continue to offer Headspace Care in 2025?

• Yes! Headspace Care continues to be our behavioral health partner for employees and your dependents. We encourage you to download the app and meet with a coach today!

Will there be changes to the Headspace Care offering for 2025?

• Mental health continues to be a top priority at Collective Health. As such, we are expanding our current Headspace Care offering to include 8 subsidized therapy/psychiatry sessions per year for you and up to 5 dependents.

What is Headspace Care for Teens?

• Headspace Care for Teens is offered to your dependents aged 13-17 and provides access to text-based coaching and self-care resources. Teenage dependents must be referred to the program by their legal guardian (a Collective Health employee) and will also have access to up to 8 free therapy and/or psychiatry sessions per year. If more than 8 sessions are needed in a given year, members (and Teens) can continue to see their Headspace Care provider and video-based therapy/psychiatry sessions will run through your Blue Shield medical plan.

How does my adolescent access Headspace Care for Teens?

• Headspace Care for Teens will be available to adolescents by invitation from a parent who is signed up for Headspace Care. Teens and their parents can expect:

  • Full continuum of care: Teens will have access to all of Headspace Care’s care services, which include behavioral health coaching to therapy and psychiatry. Coaching for teens will be offered during designated hours (7am-10pm PT), a clinical approach substantiated by academic literature and best practice.

  • Provider-matching: Teens will be matched with coaches and clinicians who have relevant and applicable experience working with adolescents.

  • Guided self-care: Teens will have access to Headspace Care’s self-care content, including new topic areas that are specific to the adolescent population such as mood management, identity and belonging, conflict resolution, sexuality and sexual identity, and more.

  • Parental support: Parents, who already have access to the full spectrum of care for their own mental health, will also receive assistance from their own care team in order to provide the best support to their child and will have an understanding of the cadence of care and the child’s care team.

What is Headspace and how do I access it?

• Headspace is a mindfulness and meditation app in support of your mental and physical well being. Through science-backed meditation and mindfulness tools, Headspace helps you create life-changing habits to support your mental health and find a healthier, happier you.

• You can access Headspace by signing up at our group-specific registration page, https://work.headspace.com/collectivehealth/member-enroll. When creating your account, you are welcome to use a personal email in Step 1 of the account creation process; however, make sure to use your Collective Health email (@collectivehealth.com) in Step 2 to verify account eligibility.

Voluntary Benefits

Are there any changes to voluntary benefits being offered for the 2025 plan year?

• No changes for the 2025 plan year. We will continue to offer the same voluntary benefits as the previous year. More information on the voluntary benefits can be found here.

Thank you for making it this far! As a reminder, if you have questions please reach out:

• Gallagher is your confidential resource, available by email: collectivehealth@ajg.com, or phone, (833) 248-0484 (available Monday - Friday, 6:00am - 4:00pm PT / 7:00am - 5:00pm MT / 8:00am - 6:00pm CT).

• Your CH Benefits team is available by submitting an Employee Benefits Ping ticket.