EXPLORE YOUR BENEFIT OPTIONS DURING OPEN ENROLLMENT 2025
MONDAY, NOVEMBER 11, 2024 – FRIDAY, NOVEMBER 22, 2024
Open Enrollment for 2025 benefits takes place from November 11 – November 22, 2024. During this time, you will have the opportunity to elect, change, or waive benefits for the 2025 plan year. Any benefits you elect are effective January 1 – December 31, 2025.
We know one size doesn’t fit all, so that’s why ARCO makes sure that you have an array of benefit options so you can choose those that suit you and your family best. Open enrollment is the time to review these options and pick the ones that match your needs for the upcoming year. Take the time to review these benefit options closely so that you can rest easy knowing that you have the plan that’s right for you.
For the plan year 2025, associates will have the ability to renew their benefits elections through a passive enrollment. This means that for those associates who do not wish to make any changes to their current elections, all of your current benefit elections will roll forward (except for Flexible Spending Accounts – associates need to choose to enroll in Flexible Spending Accounts each year).
Want to learn more?
You can review our Open Enrollment Guide for more details on plan coverage and rates. You can also view our open enrollment webinar. The webinar focuses on determining which plans are right for you and helps you make the best decisions for 2025. We also review HSAs and FSAs and how to get the most out of them. The webinar will also include an overview of our My Benefits Portal!
What’s new?
HINGE HEALTH – We will be adding virtual physical therapy through Hinge Health to those enrolled in ARCO’s medical insurance. Hinge Health provides personalized and convenient physical therapy exercise sessions with a dedicated physical therapist or coach at no cost.
SURENCY FSA – Surency will be the new FSA Administrator for 2025. Members will have 24/7 access to easy-to-use member tools through their Member Account at Surency.com or the mobile app.
HOSPITAL INDEMNITY – Hospital Indemnity is a new voluntary benefit being offered through Reliance. It provides a range of fixed, lump-sum daily benefits to help cover costs associated with hospital admission and confinement.
MEDICAL/DENTAL/VISION – There will be an increase of 2.1% to medical premiums for the 2025 plan year. Since there are no changes to our medical and dental coverages, there will not be new insurance cards issued unless you make a change to your coverage. You can continue using your current UMR medical card and Delta Dental card for you and your dependents in 2025. Please note there is no physical VSP ID card. If you are enrolled in vision coverage, just let your doctor know we use VSP and our group number.
As a reminder, if you are enrolling new dependents in your 2025 coverage, you will be required to upload documentation to verify them. For more details on what will be required to verify your new dependents please click here.
IMPORTANT REMINDERS
If you are enrolled in the Medical FSA plan for 2024, you have until 01/31/2025 to incur claims to submit toward your 2024 contributions. All claims must be submitted no later than 3/31/2025. Any unused funds in your account will be lost.
Dependent Care FSA plans have until 12/31/2024 to incur claims to submit toward your 2024 contributions. All claims must be submitted no later than 3/31/2025. Any unused funds in your account will be lost.
Commuter and Parking FSA account balances will roll over to 2025 for future use.
You must be enrolled in the High Deductible Health Plan (HDHP) if you wish to open and contribute to a Health Savings Account (HSA). You cannot be enrolled in an HSA and an FSA in the same year.
The 2025 HSA contribution limits have been released.
The 2025 HSA Individual contribution limit is $4,300.
The 2025 HSA Family contribution limit is $8,550.
If you are 55 or older in 2025, you can contribute an additional $1,000 catch-up contribution.
The 2025 FSA Medical contribution limit is $3,300.
The 2025 FSA Commuter and Transit limits are $325 monthly.
The Dependent Care annual maximum will remain the same at $5,000 for 2025.
Surency will be the new FSA administrator starting in 2025. Please note that there will be a blackout period beginning on December 20, 2024, during which you will not have access to your FSA card. Starting January 1, 2025, you will need to submit manual claims to Surency for any out-of-pocket expenses incurred during the blackout period for 2024 charges.
HOW TO ENROLL / MAKE CHANGES
Elections are made in the My Benefits Portal through UKG. Access instructions can be found here.
- The first step is to log in to UKG. Contact technology@arco1.com if you need assistance logging in.
- To launch open enrollment, click the “Menu” tab at the top left-hand corner of the screen, hover over the Myself tab, and click on “My Benefits”.
- Once inside the My Benefits Portal, you will want to navigate to your open enrollment event, select your desired coverage, and be sure to click Approve on the review page. If you do not receive a confirmation page, then your elections have not been submitted.
- Please reach out to benefits@arco1.com if you have any questions.
*Please note that anyone you wish to enroll in coverage needs to be marked as a dependent in the system (even your spouse), and you must have their social security number and date of birth on their contact record. You will be required to submit documentation to verify dependent eligibility.
Health Advocate is a white glove advocacy service that helps with all things relating to health insurance. They will support you, your spouse, children, parents, and in-laws for free. They can assist you in finding specialists, long term care facilities, and in-home healthcare. They can also help with administrative issues such as getting necessary prior approvals, resolving claims and billing questions, coordinating benefits, and much more. Give them a call (866-695-8622) or visit members.healthadvocate.com
ARCO offers an employee assistance program through SupportLinc. They offer free and confidential coaching and counseling services to you and your immediate family. Their website has educational content on a variety of mental, physical, financial, legal, lifestyle, parenting, and career topics. Just give them a call (1-888-881-5462) or visit supportlinc.com to get started.
Group Code = ARCO
Virtual visits give you convenient access to care online via your phone or computer at any time. For those enrolled in the PPO medical plan, the cost for a virtual visit is just a $0 copay. On the HDHP plan, the cost is $54, which is significantly lower than the cost of an in-person visit. Visit Teladoc.com or call 1-800-Teladoc to get started.
REQUIRED NOTICES
Click the links below to review.
FOR MORE TARGETED CONTENT PLEASE EXPLORE OUR BENEFITS VIDEOS.
These videos break down the insurance coverages by topic, so you only have watch the topics you are interested in.
*To view this year's rates, refer to your Open Enrollment Guide
