Open Enrollment

Open Enrollment is November 1 - 15, 2024 for 2025 benefits.

CDS employees: The Open Enrollment period does not apply to you this year. You will be enrolling through the New Hire process in December. You will see a New Hire Benefit Enrollment task in your Workday inbox to complete and submit your elections at that time.

Sections

    PDFs

    About Open Enrollment

    Make Sure You’re Covered in 2025.  Enroll by November 15! 

    (Note: this open enrollment period does not apply to CDS employees. You will enroll in benefits through the New Hire enrollment process in December. You will receive a New Hire Benefits task in your Workday inbox to complete and submit your elections at that time).

    You must make elections to continue most benefits for 2025 even if no changes are needed, or your coverage will end after December 31, 2024. We ask every full-time employee to complete the open enrollment process to elect or waive each benefit during this Open Enrollment period, even if you wish to decline all benefits, to confirm you are enrolled or waived in each benefit plan as intended.

    Open Enrollment is the one time each year when you can change your benefit elections without a qualifying life event and make sure they continue to fit the needs of you and your family. Please review your options carefully and choose to enroll, re-enroll or decline coverage in any of our plans; drop or add dependents; or change plan options or coverage tiers.  

    This is your chance to consider your elections for the following plans:

    • Medical

    • Dental

    • Vision

    • Health Savings Account (HSA)

    • Dependent Care Flexible Spending Account (FSA)

    • Supplemental Life and/or Accidental Death (AD&D) for you, a spouse, or dependent children

    • Other Voluntary Benefits such as Legal Assistance Plan, Identity Theft Protection, Hospital Indemnity Insurance, Critical Illness, or Accident

    Plan Highlights for 2025

    Refer to the applicable page for each plan on this website to see details regarding any of the changes listed below and to view pre-recorded overview videos.

    Attend the Virtual Benefits Fair at www.MaritzBenefitsFair.vfairs.com on October 23rd from 11:00 am – 2:00 pm CDT.

    Effective January 1, 2025:

    • Medical Plan

      • Changes to current medical plan rates, deductibles, and out-of-pocket maximums

      • New second medical plan option being offered.

    • Prescription Coverage

      • Express Scripts 2025 Preferred Formulary changes

    • Health Savings Account (HSA)

      • Annual Limits increase to $4,300 for individuals or $8,550 for family

    • No changes to the following plans for 2025:

      • Dental

      • Vision

      • Dependent Care FSA

      • Life and AD&D

      • Hospital Indemnity

      • Accident

      • Critical Illness

      • Commuter

      • YouDecide Discounts

    401(k)

    Please note: The 401(k) is NOT part of this open enrollment period. 

    401(k) enrollments or changes can be made at any time during the year at https://rps.troweprice.com.  

    However, this is a good time for you to take a moment to review your current contribution levels and investment options, and make changes if needed. 

    You are eligible to contribute up to 90% of your pay pre-tax, up to an annual contribution limit of $23,000 for 2024. This limit is projected to increase to $23,500 for 2025 but will be officially announced by the IRS late October or early November. If you are age 50 or over, you may contribute additional catch-up contributions up to $7,500.