2025 Open Enrollment

Open Enrollment: Available in ADP from Nov. 4 - Nov. 15

Office hours sessions:
CLICK HERE for Wednesday Nov. 6, 12 - 1pm EDT (9 - 10am PDT)
CLICK HERE forMonday Nov. 12, 4 -5pm EDT (1 - 2pm PDT)

What's New for 2025?

dbt's current Medical, Dental and Vision carriers will NOT change for the Jan. 1 - Dec, 31, 2025 plan year.

BENEFIT UPDATES

Cigna Medical OAP Buy Up

Adding In-Network deductible of $250/individuals, $500 /family
Out-of-Network deductible increasing to $1,500 /individuals, $3,000 /family
In-Network OOP Max increasing to $3,500 /individuals, $7,000 /family
In-Network Copay increasing to $20 (PCP) $40 (Specialist)

Visit the Cigna Virtual Benefits Education Website for more information on Cigna plans

NEW DECISION SUPPORT TOOL

We’ve introduced a new tool—Nayya—to help make the process of selecting your benefits easier and more personalized.

Here’s how Nayya helps you:

Personalized Recommendations: Nayya tailors suggestions based on your unique health and financial situation.
Side-by-Side Comparisons: Compare different plan types, costs, and benefits in one place.
Total Cost Breakdown: Nayya helps you understand the total cost of your choices, not just the premiums, but also co-pays, deductibles, and out-of-pocket expenses.

NEW VOLUNTARY BENEFITS THROUGH UNUM:

Critical Illness
Accident
Hospital Indemnity

ENROLLMENT REMINDERS:

If you wish to participate in the Health Care FSA, Dependent Care FSA, or Limited Purpose FSA for Jan. 1, 2025 – Dec. 31, 2025 plan year, you must re-enroll. Your current elections will not roll over so you must log in to ADP, at workforcenow.adp.com, and make a new election during Open Enrollment.
Open Enrollment is ACTIVE. What this means is you are required to make a new election to continue your benefits Jan. 1. Your current Medical, Dental, and Vision elections will NOT continue into the 2025 plan year unless you take action in ADP.
If you enroll in the HDHP HSA, you may not enroll in Healthcare FSA. Instead, you may enroll in the new Limited Purpose FSA plan, which is compatible with HSA, and allows you to set aside additional pre-tax dollars for Dental and Vision expenses.

What Do I Need to Do?

Log in to ADP to make your 2025 benefit elections from Nov. 4 through Nov. 15.

Cigna no longer issues physical ID cards. To access your member information, please be sure your Healthjoy wallet includes your eCard; you can also log into the myCigna app to download your eCard
It is imperative that all dbt employees add their life insurance beneficiary(ies) in ADP.

Medical

	Cigna HDHP	Cigna PPO Base	Cigna PPO Buy Up	Kaiser HMO
	In-Network	In-Network	In-Network	In-Network
Deductible (Ind. / Fam/)	$1,650 / $3,300	$500 / $1,000	$250 / $500	$0
Out Of Pocket Max (Ind. / Fam.)	$4,000 / $8,000	$6,000 / $12,000	$3,500 / $7,000	$3,000 / $6,000
Office / Specialist Visit	10% after deductible	$25 / $50	$20 / $40	$20 / $20
Diagnostic / Advanced Imaging	10% after deductible	$200	$70	$10 / $100
Outpatient Services	10% after deductible	$400 + 10%	$150	$125
Inpatient Services	10% after deductible	$400 + 10%	$150/day up to 5 days	$250/day
Urgent Care	10% after deductible	$100	$70	$20
Emergency Room	10% after deductible	$300	$250	$100
Preferred Generic Rx	$20 Retail / $40 Mail Order	$15 Retail / $30 Mail Order	$10 Retail / $20 Mail Order	$10 Retail / $20 Mail Order
Preferred Brand Name Rx	$40 Retail / $80 Mail Order	$45 Retail / $90 Mail Order	$40 Retail / $80 Mail Order	$30 Retail / $60 Mail Order
Non-Preferred Generic & Brand Name Rx	$70 Retail / $140 Mail Order	$65 Retail / $130 Mail Order	$60 Retail / $120 Mail Order	$30 Retail / $60 Mail Order

Please note that the information above only provides the highlights of our plan. Please refer to the full Plan Documents if you have questions about a plan or your coverage.

Kaiser "Understanding your HMO Plan" Presentation
Kaiser Wellness Tools and Resources:

For Questions about Cigna medical plans, please call Cigna OneGuide: 888-806-5094, use the Cigna Easy Choice Tool, or visit the Cigna Virtual Benefits Education Website

Cigna Plan Comparison

Transition of Care
Your plan includes transition of care. This service allows members currently undergoing a course of treatment from an in-network physician to receive services paid at the in-network level for a period of time. Even if the physician is considered out-of-network with you will still be covered through the transitional care service. You or your dependent must call Cigna Customer Service at 1.800.CIGNA24 within 60 days of January 1 to determine eligibility for the transitional care benefit.
Prior authorizations
All prior authorizations will need to be resubmitted to your new carrier after the 1st of January. Your Doctor should contact the number listed on the back of your ID card to submit your new Authorizations.

Dental

	Dental Buy Up Plan	Dental Base Plan
	In-Network	In-Network
Deductible (Ind. / Fam/)	$50 / $150	$75 / $225
Calendar Year Maximum	Year 1: $1,500 Year 2: $1,750 Year 3: $2,000 Year 4: $2250	Year 1: $1,500 Year 2: $1,750 Year 3: $2,000 Year 4: $2250
Preventative / Diagnostic Care	100% No Deductible	100% No Deductible
Basic Restorative Care	90% after deductible	80% after deductible
Major Restorative Care	60% after deductible	50% after deductible
Orthodontia	50% No deductible	Not Covered
Orthodontia Lifetime Max	$1,500	N/A

Vision

	Standard Vision Plan
	In-Network
Deductible (Ind. / Fam/)	$0 / $0
Annual Eye Exam	Covered in full
Single, Bifocal, Bifocal & Lenticular Lenses	Covered in full
Elective Contacts	Up to $180
Medically Necessary Contacts	Covered in full
Exam Frequency	Once every 12 months
Lens Frequency	Once every 12 months
Frame Frequency	Once every 12 months

Income Protection Plans

	Covered Amount
UNUM Life and AD&D	100% of your annual earnings to a maximum of $250,000
UNUM Short Term Disability	Elimination Period: 7 days Max Benefit Duration: 12 weeks Benefit Percentage: 60% of weekly earnings Max Benefit: $2,885/week
UNUM Long Term Disability	Elimination Period: 90 days Max Benefit Duration: Social Security Normal Retirement age Benefit Percentage: 60% Max Benefit: $12,500/month

NEW Critical Illness, Accident and Hospital Coverage

Critical Illness Insurance:

Financial Protection to Help You Cope:

Worry less about how to pay your illness-related expenses and concentrate more on your recovery.

•It pays you in addition to your medical insurance, no matter what type of plan you have

•Guardian pays you cash benefits based on each covered diagnosis

•The cash benefits are paid directly to you and you decide how to use them

Accident Insurance Can Help You Get Back on Your Feet:

•Supplements your medical plan — no matter what other insurance you have

•Cash is paid directly to you, based on covered injuries, treatments and services

•Use the money for any purpose, whether for medical or non-medical expenses

•Rainy Day Fund; and, if you don’t use any of it, a part of it keeps rolling over to the next year.

Hospital Indemnity Insurance Can Help Protect You from Unexpected Expenses

•This supplements your medical plan — no matter what other insurance you have

•Cash is paid directly to you

•Affordable group rates that you can’t get individually

•Use the money for any purpose, whether for medical or non-medical expenses

FSA and HSA

Health Savings Accounts (HSA) allow medical expenses to be paid with pre-tax dollars. You can participate in an HSA if you are enrolled in a qualifying High Deductible Health Plan (HDHP).
Employees can contribute to the HSA plan to pay for qualified medical expenses

HDHP Key Features:

•In and out-of-network coverage (same network as PPO)

•Deductible must be met first then coinsurance is applied

•Deductible is only waived for preventive care

•Nationwide coverage

•Self-refer to specialist

•Contribute pre-tax dollars into an HSA banking account

•Save money for future healthcare costs

dbt Labs HSA Contributions: $500 for Employee only, or $1,000 for Employee + family

A Flexible Spending Account (FSA) is a pretax benefit allowed under IRS Code Section 125, which allows employees to set aside a specific pretax dollar amount for unreimbursed medical, dental, vision and dependent care expenses.

Limited Purpose FSA *

For those who choose the HDHP plan with HSA, a limited FSA is available to help pay for eligible dental and vision expenses. Otherwise works the same as a healthcare FSA.
*Only available for those enrolled on the HDHP Plan

Dependent care FSA

FSA funds can use pre-tax dollars to reimburse you for dependent care expenses, including child care. An eligible dependent is a child under the age of 13 or any dependent incapable of self-care who spends at least eight hours a day in your home and can be claimed on your tax return.

FSA Facts:

•Make sure to spend down your 2024 FSA funds by 12/31/2024. Those funds will not rollover to the 2025 plan year.

•Amounts of $660 or less for Healthcare may be carried over to the next year, 2025

•Claim submission: You have until 2/28/25 (or 60 days following the end of calendar year) to submit expenses for reimbursement that were incurred during your plan year

•Healthcare FSA Annual Limit: $3,300
•Limited Purpose FSA Annual Limit: $3,300

•Dependent Care FSA Annual Limit: $5,000

Employee Monthly Contributions

dbt Labs HSA Contributions: $500 for Employee only, or $1,000 for Employee + family

Open Enrollment Documents

For questions about Cigna medical plans and providers, please call Cigna OneGuide: 888-806-5094

Medical Benefit Summaries

Medical SBCs

Dental Summaries

Vision Summary

The Standard Vision

UNUM Life and Disability Summaries

UNUM Voluntary Lines

UNUM Employee Assistance Program

Additional Documents:

Benefits Overview
Open Enrollment Presentation
Cigna Plan Comparison