Open Enrollment Plan Year 2025

Open Enrollment for Plan Year 2025*:
November 7, 2024 through November 26, 2024

Open Enrollment

Open Enrollment is your opportunity to review, enroll in or make changes to your medical, dental, and vision benefits, as well as to add or drop coverage for eligible dependents.  It is also the time to elect or drop other benefits such as Flex Spending Accounts (FSA), Health Savings Account (HSA), Aflac Supplemental Income Insurance and new this year for salaried employees Voluntary Life and AD&D Insurance.

*Please Note: Elections made for the January 1, 2025 plan year will remain in effect through December 31, 2025 unless there is a Qualifying Life Event (QLE).

Before selecting your coverage during this open enrollment, take the time to review your benefits options in the Open Enrollment Guide (below).

HIGHLIGHTS for Plan Year 2025

• No changes to any vendors or carriers
• Open Enrollment will be fully web based this year using CBiz Enroll.
• The number of Albion College sponsored health plan options will increase to four (two PPO plans and two HDHP plans)
• Employer HSA contributions will be $250 for single coverage and $500 for family coverage for both HDHP plans
• Employer paid basic life insurance will be a flat $50,000
• Full-time Salaried Employees will have the option to purchase additional life insurance for themselves, spouses, and dependents

Benefit elections and changes cannot be made outside of the open enrollment period, unless you experience a Qualifying Life Event (QLE), such as a change in marital status, the birth or adoption of a child, a change in your partner’s/spouse’s work status or coverage, etc.

Open Enrollment Overview

Open Enrollment is your annual opportunity to make changes to your current benefit election. Please review your current plan to determine which of the new plan options you want to enroll in, if you want to add/remove family members, drop coverage and/or make additional changes to your plans. Changes requested during open enrollment will take effect January 1. The plan year begins on January 1 and continues through December 31.

Please be aware that decisions made during Open Enrollment are generally binding for the entire plan year. An individual may not make any changes until next year’s Open Enrollment period unless that individual has a Qualifying Life Event (e.g., marriage, birth, adoption, etc.) and notifies the Human Resources Office within 30 days from the date of the qualifying event.

Open Enrollment Deadline

All 2025 elections must be completed no later than Tuesday, November 26, 2024.

Open Enrollment Resources

Please note, some of the links below are shared google docs – *please use your Albion google credentials to access documents

• 2025 Plan Year Employee Benefits Guide
• Recording of *Open Enrollment Information Session and slides used
• PLANselect Health Plan Decision Support tool (11/13/2024 link will be restored at a later time/date)
• Open Enrollment is fully online using CBiz Enroll website refer to the Benefits Guide for initial login information.
• *Premiums Rate Chart 2025
• Plan Designs (in and out of network information)
• *Transparent Rx National Preferred Formulary
• If waiving coverage, a Group Health Insurance Employee Waiver Form will need to be completed (download the pdf to complete it) and then uploaded via the online enrollment process in addition to waiving coverage to receive a monthly opt-out payment.
• Supplemental Insurance (Aflac)

Preventative Care Benefits

• *Reform Preventive Services Brochure
• ASR Preventative Care Services Required without Cost Sharing under Health Care Reform
• *ACA Preferred Drug List

Benefit Summaries

• Benefit Summary for PPO 1 and the HDHP 1 effective 1/1/2024
• To Be Added – Benefit Summary for PPO 2 and the HDHP 2
• Dental

Summary of Benefits and Coverage (SBC)

• PPO1 Plan SBC 
• PPO2 Plan SBC to be added
• HDHP1 Plan SBC
• HDHP2 Plan SBC to be added

Additional Resources

 

• Albion College Employee Benefit Plan Document – will need to be updated
• Life Insurance Provider and add-on benefits

2024 Plan Year Links

Refer to individual benefit page for remainder of calendar year

• 2024 Plan Year Employee Benefits Guide
• Plan Year 2024 Election/Change Form
• *Premiums Rate Chart
• Group Health Insurance Employee Waiver Form
• Health Savings Account Guide (HSA)  *HSA Election  Form 2024   FAQ   Sample Eligible Expenses
• *Flexible Spending Accounts Guide (FSA) – *FSA 2024 Election Form
• Benefit Summary for PPO 1 and the HDHP 1 effective 1/1/2024

HIPAA

The Albion College Employee Benefit Plan (Plan) maintains a Notice of Privacy Practices that provides information to individuals whose protected health information (PHI) will be used or maintained by the Plan. If you would like a copy of the Plan’s Notice of Privacy Practices, please contact the Human Resources Office.