2025 ANNUAL ENROLLMENT
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Monday, November 04 Annual Enrollment Begins |
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Friday, November 15 Annual Enrollment Closes |
Annual Enrollment is from November 4–15, 2024
This year’s enrollment is passive, meaning if you do not make any benefit elections during the enrollment period, your 2025 benefits will roll over to the new plan year, except for your Flexible Spending Account (FSA) and Health Savings Account (HSA), which require a new election for 2025.
2025 Enrollment Guide
2025 Enrollment Guide
Review Your 2025 Benefits
Do you have questions about your 2025 benefits? Reach out to the HBC Benefits Team for assistance, or use the link below to login to the Wex enrollment portal to review your elections. Please note that all passwords have been reset. Please follow these instructions to create a new password.
ENROLLMENT PORTAL
ENROLLMENT PORTAL
2025 Benefit Highlights
NEW! 2025 Benefit Changes & Enhancements
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CVS Pharmacy will be our new prescription drug provider. You will receive a new ID card as part of this change. Be prepared to update your insurance information with your preferred pharmacy.
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Effective 1/1/2025, Cigna will no longer mail home physical ID cards; however, you can request a physical ID card. Use this FAQ to learn how to request a physical card or access a digital version of your card.
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There are no other changes to your out-of-pocket deductible, or coinsurance for medical, dental and vision coverage.
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Premium changes are applicable to medical plans only.
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No premium changes to dental and vision plans.
Annual Enrollment Next Steps
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Review the 2025 benefit options to ensure they still meet the needs of you and your family.
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Re-enroll or enroll in the Health Savings Account (HSA) or Flexible Spending Account (FSA) for 2025.
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Verify your personal, dependent, and beneficiary information.
How to Enroll
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Online: Click the above 'Enrollment Portal' button. This will direct you to the HBC Benefits Portal which is available 24/7. You can log in and follow the prompts to complete your enrollment at your convenience.
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By Phone: Call the Benefit Service Center to speak with a Benefits Counselor. They will help you with benefit decisions and record your elections.
Call 1-800-498-8705, weekdays from 8:30 a.m. to 7:00 p.m. (ET).
Additional Information
Cigna Medical Plan Premiums
Cigna Medical Plan Premiums - NOT in the Wilkes-Barre Distribution Center.
| Non-Tobacco/Nicotine User Premiums | |||
| Coverage Tier | Choice CDHP |
Choice Plus CDHP |
PPO |
| Weekly Associate Only Associate + Spouse Associate + Children Family |
$22.41 $71.01 $48.67 $109.52 |
$36.86 $111.80 $77.02 $157.82 |
$54.35 $161.24 $120.74 $227.69 |
| Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$48.56 $153.86 $105.45 $237.30 |
$79.87 $242.23 $166.89 $341.94 |
$117.75 $349.35 $261.61 $493.33 |
| Tobacco/Nicotine User Premiums | |||
| Coverage Tier | Choice CDHP |
Choice Plus CDHP |
PPO |
| Weekly Associate Only Associate + Spouse Associate + Children Family |
$37.41 $86.01 $63.67 $124.52 |
$51.86 $126.80 $92.02 $172.82 |
$69.35 $176.24 $135.24 $242.69 |
| Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$81.06 $186.36 $137.95 $269.80 |
$112.37 $274.73 $199.39 $374.44 |
$150.25 $381.85 $294.11 $525.83 |
Spousal Surcharge: If your spouse/domestic partner has access to coverage through their employer, and you choose to cover them on an HBC plan, you will incur a $25 surcharge on your weekly medical premium or $54.17 on your semi-monthly medical premium.
Geisinger Medical Plan Contributions
| Non-Tobacco/Nicotine User Premiums | |||
| Coverage Tier | CDHP Plus | Core HMO | Base HMO |
| Weekly Associate Only Associate + Spouse Associate + Children Family |
$29.01 $97.06 $73.20 $118.40 |
$24.49 $83.55 $62.76 $101.33 |
$15.85 $53.10 $40.53 $64.14 |
| Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$62.85 $210.30 $158.60 $256.54 |
$53.07 $181.03 $135.99 $219.55 |
$34.35 $115.05 $87.82 $138.98 |
| Tobacco/Nicotine User Premiums | |||
| Coverage Tier | CDHP Plus | Core HMO | Base HMO |
| Weekly Associate Only Associate + Spouse Associate + Children Family |
$44.01 $112.06 $88.20 $133.40 |
$39.49 $98.55 $77.76 $116.33 |
$30.85 $68.10 $55.53 $79.14 |
| Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$95.35 $242.80 $191.10 $289.04 |
$85.57 $213.53 $168.49 $252.05 |
$66.85 $147.55 $120.32 $171.48 |
Spousal Surcharge: If your spouse/domestic partner has access to coverage through their employer, and you choose to cover them on an HBC plan, you will incur a $25 surcharge on your weekly medical premium or $54.17 on your semi-monthly medical premium.
Dental Plan Contributions
| Cigna Dental Premiums | |||
| Coverage Tier | Core | Buy-Up | DHMO |
| Weekly Associate Only Associate + Spouse Associate + Children Family |
$7.38 $14.63 $18.97 $24.76 |
$13.21 $26.26 $26.91 $44.52 |
$4.80 $8.92 $10.60 $16.36 |
| Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$16.00 $31.69 $41.10 $53.65 |
$28.63 $56.89 $58.31 $96.47 |
$10.41 $19.34 $22.96 $35.46 |
Core and Buy-up use Total Cigna Dental DPPO network
DHMO uses Cigna Dental Care Network
Vision Plan Contributions
| VSP Vision Premiums | ||
| Coverage Tier | Core | Buy-Up |
| Weekly Associate Only Associate + Spouse Associate + Children Family |
$1.40 $2.80 $2.99 $4.78 |
$2.64 $5.29 $5.65 $9.03 |
| Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$3.03 $6.06 $6.48 $10.36 |
$5.73 $11.46 $12.25 $19.57 |
Supplemental Term Life Insurance Contributions (Monthly)
| Associate | Spouse | |||
| Age Band | Tobacco/Nicotine User Premium Per $1,000 | Non-Tobacco/Nicotine User Premium Per $1,000 | Tobacco/Nicotine User Premium Per $1,000 | Non-Tobacco/Nicotine User Premium Per $1,00 |
| $0.028 | $0.021 | $0.101 | $0.072 | |
| 25-29 | $0.038 | $0.028 | $0.143 | $0.086 |
| 30-34 | $0.056 | $0.044 | $0.164 | $0.114 |
| 35-39 | $0.066 | $0.051 | $0.186 | $0.136 |
| 40-44 | $0.076 | $0.059 | $0.288 | $0.153 |
| 45-49 | $0.122 | $0.098 | $0.457 | $0.238 |
| 50-54 | $0.198 | $0.160 | $0.876 | $0.377 |
| 55-59 | $0.384 | $0.315 | $1.355 | $0.723 |
| 60-64 | $0.600 | $0.493 | $2.632 | $1.121 |
| 65-69 | $1.172 | $0.965 | $4.284 | $2.175 |
| 70+ | $1.913 | $1.576 | $4.284 | $3.539 |
Supplemental Associate AD&D Contributions (Monthly)
| $0.016 per $1,000 benefit amount (post-tax) |
Supplemental Child Life Insurance Contributions (Monthly)
| $5,000 benefit - $0.502 contribution |
| $10,000 benefit - $1.00 contribution |
Permanent Life Insurance
Click here to view associate, spouse, and child Permanent Life Insurance premiums.
Long-Term Disability Contributions (Monthly)
| Salaried Associates | ||
| Core provided at no cost; Buy-up benefit contribution is $0.166 per $100 of covered monthly earnings | ||
| Hourly Associates | ||
| Age Band | Core | Buy-Up |
| $0.046 | $0.110 | |
| 25-29 | $0.059 | $0.142 |
| 30-34 | $0.113 | $0.271 |
| 35-39 | $0.177 | $0.425 |
| 40-44 | $0.263 | $0.634 |
| 45-49 | $0.355 | $0.855 |
| 50-54 | $0.491 | $1.179 |
| 55-59 | $0.521 | $1.253 |
| 60-64 | $0.550 | $1.320 |
| 65-69 | $0.571 | $1.378 |
| 70+ | $0.585 | $1.469 |
Accident Insurance Contributions (Monthly)
| Associate Only | $6.49 |
| Associate + Spouse | $11.08 |
| Associate + Children | $11.90 |
| Associate + Family | $16.50 |
Critical Illness Insurance Contributions (Monthly)
| Associate Non-Tobacco/Nicotine Weekly Premiums | ||||||||
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 |
| 0-29 | $2.14 | $4.27 | $6.41 | $8.54 | $10.68 | $12.81 | $3.74 | $17.08 |
| 30-39 | $3.27 | $6.54 | $9.81 | $13.08 | $16.35 | $19.62 | $5.72 | $26.16 |
| 40-49 | $6.63 | $13.26 | $19.89 | $26.52 | $33.15 | $39.78 | $11.60 | $53.04 |
| 50-59 | $11.67 | $23.34 | $35.01 | $46.68 | $58.35 | $70.02 | $20.42 | $93.36 |
| 60+ | $20.33 | $40.65 | $60.98 | $81.30 | $101.63 | $121.95 | $35.57 | $162.60 |
| Spouse Non-Tobacco/Nicotine Weekly Premiums | ||||||||
| Age | $2,500 | $5,000 | $7,500 | $10,000 | $12,500 | $15,000 | $17,500 | $20,000 |
| 0-29 | $1.07 | $2.14 | $3.20 | $4.27 | $5.34 | $6.41 | $7.47 | $8.54 |
| 30-39 | $1.64 | $3.27 | $4.91 | $6.54 | $8.18 | $9.81 | $11.45 | $13.08 |
| 40-49 | $3.32 | $6.63 | $9.95 | $13.26 | $16.58 | $19.89 | $23.21 | $26.52 |
| 50-59 | $5.84 | $11.67 | $17.51 | $23.34 | $29.18 | $35.01 | $40.85 | $46.68 |
| 60+ | $10.16 | $20.33 | $30.49 | $40.65 | $50.81 | $60.98 | $71.14 | $81.30 |
| Associate Tobacco/Nicotine Weekly Premiums | ||||||||
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 |
| 0-29 | $3.02 | $6.03 | $9.05 | $12.06 | $15.08 | $18.05 | $21.11 | $24.12 |
| 30-39 | $6.11 | $12.22 | $18.33 | $24.44 | $30.55 | $36.66 | $42.77 | $48.88 |
| 40-49 | $12.64 | $25.27 | $37.91 | $50.54 | $63.18 | $75.81 | $88.45 | $101.08 |
| 50-59 | $24.24 | $48.47 | $72.71 | $96.94 | $121.18 | $145.41 | $169.65 | $193.88 |
| 60+ | $43.58 | $87.15 | $130.73 | $174.30 | $217.88 | $261.45 | $305.03 | $348.60 |
| Spouse Tobacco/Nicotine Weekly Premiums | ||||||||
| Age | $2,500 | $5,000 | $7,500 | $10,000 | $12,500 | $15,000 | $17,500 | $20,000 |
| 0-29 | $1.51 | $3.02 | $4.52 | $6.03 | $7.54 | $9.05 | $10.55 | $12.06 |
| 30-39 | $3.06 | $6.11 | $9.17 | $12.22 | $15.28 | $18.33 | $21.39 | $24.44 |
| 40-49 | $6.32 | $12.64 | $18.95 | $25.27 | $31.59 | $37.91 | $44.22 | $50.54 |
| 50-59 | $12.12 | $24.24 | $36.35 | $48.47 | $60.59 | $72.21 | $84.82 | $96.94 |
| 60+ | $21.79 | $43.58 | $65.36 | $87.15 | $108.94 | $130.73 | $152.51 | $174.30 |
Hospital Indemnity Insurance Contributions (Monthly)
| Associate Only | $17.68 |
| Associate + Spouse | $35.55 |
| Associate + Children | $28.10 |
| Associate + Family | $45.97 |
Identity Theft
| Identity Theft Premiums | ||
|---|---|---|
| Coverage Tier | Privacy Armor | Privacy Armor Plus |
| Monthly | ||
| Associate Only | $7.95 | $9.95 |
| Associate + One or More | $13.95 | $17.95 |
Legal Coverage
| MetLife Legal Premiums | |||||
| Coverage Tier | Premium | ||||
| Semi-Monthly | $7.75 | ||||
| Monthly | $15.50 | ||||
Cigna Medical
Geisinger Medical (Wilkes-Barre Distribution Center Associates Only)
Cigna Dental
VSP Vision
Life and Accidental Death & Dismemberment
Reliance Disability
- Choice (CDHP) SBC
- Choice (CDHP) Benefit Summary
- Choice Plus (CDHP) SBC
- Choice Plus (CDHP) Benefit Summary
- PPO SBC
- PPO Benefit Summary
Geisinger Medical (Wilkes-Barre Distribution Center Associates Only)
- HMO Core SBC
- HMO Core Benefit Summary
- HMO Basic SBC
- HMO Basic Benefit Summary
- CDHP Plus SBC
- CHDP Plus Benefit Summary
Cigna Dental
- DPPO Core Plan Summary
- DPPO Core Plan Summary TX
- DPPO Core Plan Summary MS
- DPPO Buy-Up Plan Summary
- DPPO Buy-Up Plan Summary TX
- DPPO Buy-Up Plan Summary MS
- DHMO Plan Summary
VSP Vision
Life and Accidental Death & Dismemberment
Reliance Disability
Prescription drug coverage is moving to CVS Pharmacy.
Please note: CVS will mail physical ID cards, which should be used every time you fill a prescription, and is separate from your digital ID medical card through Cigna.
A few things to keep in mind:
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Prior prescription authorizations should automatically transfer from Cigna to CVS.
- Consider refilling your prescription in advance of 1/1/2025, to have your prescription available to you, until you receive your Pharmacy ID card.
- If there are anticipated disruptions to authorizations or currently covered medications, you will receive a communication directly from CVS with more information.
The coverage you didn't know you needed. Read more about How It Works.
Accident Insurance: No one can protect you from unexpected accidents or injuries, but Cigna Accidental Injury insurance offers coverage that can help you bounce back.
Critical Illness Insurance: Being diagnosed with a Critical Illness is hard enough, but you should not have to worry about how it impacts your finances as well. That’s why having Cigna Critical Illness insurance is so important.
Hospital Indemnity Insurance: A hospital stay can happen at any time, and it can be costly. Cigna Hospital Care can provide you and your loved ones with additional financial protection and can help cover these unexpected events – so you can focus on getting better.
Make the most of your plan with these supplemental health solution benefits
Each plan is provided with even more from Cigna's supplemental health solutions 'value add' programs. From health and wellness support to financial and legal needs, we can help with life’s everyday challenges. Cigna Supplemental Health Solutions offers a variety of programs that can provide you with resources, services and discounts to help you manage your unique concerns. This can help you save time, energy and money.
Filing a claim for any plan is easy!
How to file a claim
How to file a wellness incentive claim
Accident Insurance: No one can protect you from unexpected accidents or injuries, but Cigna Accidental Injury insurance offers coverage that can help you bounce back.
- What It Is: A cash benefit paid directly to you when you face an unexpected, covered accident, such as an ankle sprain or arm fracture.
- Submit claims to Cigna by phone, email, fax, or mail
- Cigna pays a lump sum benefit directly to you
Critical Illness Insurance: Being diagnosed with a Critical Illness is hard enough, but you should not have to worry about how it impacts your finances as well. That’s why having Cigna Critical Illness insurance is so important.
- What It Is: A cash benefit paid directly to you when you are diagnosed with a covered illness, such as a heart attack or stroke.
- Submit claims to Cigna by phone, email, fax, or mail
- Cigna pays a lump sum benefit directly to you
Hospital Indemnity Insurance: A hospital stay can happen at any time, and it can be costly. Cigna Hospital Care can provide you and your loved ones with additional financial protection and can help cover these unexpected events – so you can focus on getting better.
- What It Is: A cash benefit paid directly to you when you experience a covered hospital stay for events such as an in-patient procedure or the birth of a child.
- Submit claims to Cigna by phone, email, fax, or mail
- Cigna pays a lump sum benefit directly to you
Make the most of your plan with these supplemental health solution benefits
Each plan is provided with even more from Cigna's supplemental health solutions 'value add' programs. From health and wellness support to financial and legal needs, we can help with life’s everyday challenges. Cigna Supplemental Health Solutions offers a variety of programs that can provide you with resources, services and discounts to help you manage your unique concerns. This can help you save time, energy and money.
Filing a claim for any plan is easy!
How to file a claim
How to file a wellness incentive claim
When the time comes to start considering Medicare, the options can be overwhelming. Should you continue HBC coverage or consider full Medicare benefits even if you choose to work? Cigna's Medicare Concierge Services can help eligible Associates navigate the health plans best for them - at no cost to you.
Medicare Options
Medicare Options
- Medicare doesn't have to be confusing.
- Be informed about the many Medicare options that are available.
- Licensed Benefit Advisors can provide specific details on Medicare Advantage plans, Medicare Part D, drug plans and Medicare Part D, drug plans and Medicare Supplement plans (Medigap) so you can make a well-informed decision.
Although there is no need to make changes to your 401(k) elections during Annual Enrollment, it’s a great time to review your current contribution rates and investment elections. Keep in mind that any elections that you have at the end of this year will carry over to the New Year!
If you’d like to enroll or make changes to your contribution rate and/or investments, contact Bank of America Merrill at 1-888-335-8218 or view your account online at www.benefits.ml.com.
When completing your review don’t forget to verify that the current beneficiary information on file is correct!
As an HBC Associate, you have special access to enroll in the Bank of America Preferred Rewards program and receive Gold tier benefits, such as:
- A special bundle of no-fee banking services on qualified checking and savings accounts.
- Rate discounts on some of life’s big purchases
- Help to achieve financial goals through free financial education, available online or in person.
- Full suite of investment solutions from Merrill, including access to the people, tools, and personalized advice and guidance you may need to put your investing ideas into action.
For more information, visit the Banking and Investing Program for HBC webpage at www.promo.bankofamerica.com/BIP/#/hbc.
Starting November 4 through November 15, you can review your benefits and enroll. Once you feel well-informed to make your 2025 elections, you can enroll by visiting the Benefits Portal by clicking the Enroll Here button above. Please note that all passwords have been reset. Please follow these instructions to create a new password. If you need assistance with your enrollment, you can contact the Benefit Service Center at 1-800-498-8705, weekdays 8:30 am - 7:00 pm (ET).
Contact Us
Questions? Contact Benefit Service Center |
PHONE 1-800-498-8705 |
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HOURS 8:30am - 7:00pm ET |
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