Open Enrollment
Make your 2025 benefits elections now through November 13.
This is the one time each year you can make changes to your benefit elections outside of a qualifying event (marriage, baby, etc.).
This will be a passive open enrollment, meaning your benefits will carry over if you don’t participate (outside of FSA elections). However, we highly recommend you log in and review your enrollments and beneficiaries. There are some changes which could affect benefits and/or costs. Below is an outline of some of the changes.
Overall Plan Change (for Medical/Dental/Vision):
- New employees hired after 1/1/25 will be eligible for medical, dental, and vision starting the first of the month following 30 days of employment.
Medical:
Buy-Up PPO
- Increase deductible to $1,000 (single)/$2,000 (family) to align with benchmark data
Base PPO
- Increase Primary, Diagnostic, and outpatient mental health copay to $40
- Increase Specialist & Urgent Care copay to $75
- Increase Emergency Room Copay to $350
HDHP
- Increase deductible to $3,300 (single) / $6,400 (family) to align with IRS regulations.
Pharmacy
- NOAH is moving from Navitas to MedOne as our Pharmacy Benefit Manager.
HSA/FSA
- NOAH is moving from HealthEquity to Lively as our HSA vendor/bank.
- NOAH is moving from Wex to Lively as our FSA vendor.
403(b)
- NOAH is moving for matching 4% of an employees annual salary to 4% of an employees per pay period match starting 1/1/25.
- New employees hired after 1/1/25 may begin contributing immediately, however NOAH will not begin contributing a matching contribution until employees hit their 90 days.
Any changes that you make will be effective January 1, 2025.
As always, you can also reach out to NOAH Benefits Manager, Kat Bergman at kabergman@noahhelps.org.