2025 Open Enrollment

For 2025, plan design changes will be minimal, and we’re strengthening our benefits by adding programs that support your wellbeing, many at no cost to you. 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 ($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 the 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 during 2025 Open Enrollment, most of your current 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 by Friday, November 8.

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 Open Enrollment period, through 10 p.m. ET Nov. 8, 2024. Simply select your Benefits worklet in MyHR, then “Change Open 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 Open Enrollment period ends 10 p.m. ET Nov. 8, 2024. 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.
• 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.
• Check out the ALEX Plan Comparison Tool.
  
• For questions, start a chat with ERIN.

   Ready to enroll, make changes, or waive coverage, click MyHR.