For 2025, we’re strengthening our benefits by adding programs that support your wellbeing, many at no cost to you. Plan design changes will be minimal, and Assurant will continue to pay for the majority of your health care coverage.
Health Plans:
- Paycheck Contributions: There will be a modest per paycheck increase of approximately 3%, which is considerably below the national average of 7%. This applies across all health plans.
- Blue Plan: To simplify the plan, the annual deductibles will be lowered by $500 for Individual Coverage and $1,000 for Family Coverage and in exchange, Assurant’s contribution to the Health Reimbursement Account (HRA) will be eliminated.
- Orange Plan: To comply with IRS requirements, the annual deductible for in-network and out-of-network services will increase by $100 for Individual Coverage and $200 for Family Coverage.
- Two new digital programs through Sword Health, at no cost to you (for health plan enrollees):
- Thrive, a virtual physical therapy program to help with musculoskeletal issues such as back, shoulder, neck, hip, knee, elbow, ankle and wrist pain.
- Bloom, a virtual pelvic health care solution for individuals with vaginal anatomy that addresses issues such as bladder leakage, bowel disorders, and pelvic pain.
Prescription Drug:
- Two new programs to strengthen the prescription drug benefit, at no
cost to you (for health plan enrollees):
- Cost Saver, powered by GoodRx®, this program can help you save money on many commonly prescribed generic medications at an in-network retail pharmacy.
- Virtual PrEP Care provides convenient access to HIV preventive treatment support.
Dental:
- Dental High Plan option – To provide more competitive orthodontia coverage, the lifetime orthodontics maximum will increase from $1,000 to $1,500.
- Paycheck contributions – For both the High and Low Plan, there will be a modest per paycheck contribution increase on average of less than a dollar (exact amount will vary depending on your plan and coverage level).
Long-Term Disability:
- Buy-Up plan – The maximum monthly benefit, which covers 60% of your Plan Pay at the time of disability, will increase from $15,000 to $18,000.
Hospital Indemnity Insurance:
- To provide you with another option to obtain supplemental financial support, we are introducing Hospital Indemnity Insurance. This new benefit through MetLife provides a lump-sum payment to use any way you wish if you are hospitalized.
If you don’t elect or waive coverage, most of your current 2024 benefits will automatically roll over at 2025 rates, except for the Flexible Spending Accounts (FSA) and Health Savings Account (HSA). If you want to contribute to an FSA or HSA in 2025, you must actively elect it on MyHR during the enrollment timeframe.
| If You Don’t Enroll in Benefits by the enrollment deadline. | |
|---|---|
| You’ll have the same coverage in 2025 for these plans and programs, including the same enrolled dependents: |
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| You will not participate in the following programs unless you actively make an election during Open Enrollment: |
*If you’re a participant in the Green or Orange health plan, you’re required to enroll in the HSA to complete the enrollment process; however, you’re not required to make personal contributions, and you’ll still receive the company contribution if you meet the eligibility criteria and properly complete the opening of your account. |
| You’ll continue to have coverage in these core benefits (no election is required): |
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Unless you have a qualified life event (such as a marriage or divorce, birth or adoption of a child, etc.), your next opportunity to change your coverage category or enroll in these benefit programs will be at Open Enrollment in the fall of 2025 for coverage in 2026.
- Go to Connect and click on the MyHR icon from the dashboard.
- Check your MyHR inbox and click on the task “Open Enrollment.”
- Complete your tobacco use attestation, make your benefit elections, and review/add beneficiaries.
- You can make changes to your submitted elections at any time during the the enrollment period. Simply select your Benefits worklet in MyHR, then “Change Enrollment.” Don’t forget to resubmit your elections if you make changes.
- After the enrollment period ends, you’ll find a summary of your 2025 elections in your Benefits worklet.
- Review this summary to make sure all your changes are accurate before the enrollment period ends. For detailed instructions, refer to the job aid on the MyHR Resources site via your Quick Links worklet.
Before electing your 2025 benefits, review your options to keep you and your family healthy and protected.
- Review the Open Enrollment Guide and explore MyAssurantBenefits.com for details.
- Compare all Assurant’s benefit options to determine which are right for you.
- Check out the ALEX Plan Comparison Tool.
- Compare coverage through Assurant with other options that may be available to you through your spouse/partner or parents (if you’re under age 26).
- Review your past health care expenses while considering any anticipated services or procedures in the coming year.
- Confirm your providers are in-network by visiting the Health Plan Network page.
- For questions, start a chat with ERIN.
Ready to enroll, make changes, or waive coverage, click MyHR.
Thrive (Sword Health)
Your no-cost digital physical therapy program designed to help you overcome joint, back, and muscle pain—all from home.
Bloom (Sword Health)
Your no-cost at-home pelvic therapy solution can give you relief from bladder issues, bowel dysfunction, and pelvic pain.
Prescription Drug
Cost Saver helps you save on many generic medications. Virtual PrEP Care provides no-cost access to HIV preventive treatment support.
Hospital Indemnity
This illness and injury benefit provides a lump-sum payment to use any way you wish if you are hospitalized.
Assurant offers a diverse range of benefits under four Live Well pillars: Physical, Emotional, Financial, and Social.
With MyWellbeing (Virgin Pulse), you can earn up to $50 per quarter/$200 during a full calendar year for completing wellbeing activities.
