2025 Open Enrollment & Benefits Fair information

Open Enrollment 2025

It’s almost time for Open Enrollment! WPI employees will have the opportunity to add or remove as well as make changes and updates to their current benefit elections from October 21st – November 5th in Workday. All changes will take effect January 1, 2025. You are encouraged to take the time to review the 2025 Benefits Guide to educate yourself about your options, review insurance rates and choose the best coverage for you and your family. The information below will also serve as a resource as you review information for the 2025 Open Enrollment period. Employees are also encouraged to bookmark the WPI Benefits website as another resource available 24/7/365.

Enhancements & Updates for the 2025 Benefits Plan Year

What’s new in 2025? Keep reading to learn more about plan enhancements and premium updates. Although there are a few changes to the WPI benefit plans in 2025, your Open Enrollment is passive, meaning that if you are satisfied with your current coverage and do not want to make any changes, you may not need to take action in Workday. Your current benefits will roll over to 2025. However, if you want to participate in a Health Care and/or Dependent Care Flexible Spending Account (FSA) or a Health Savings Account (HSA) in 2025, you must enroll.

Harvard Pilgrim Health Care: Plan design changes and premium increases in 2025

Historical inflation continues to drive up the cost of medical supplies, and equipment and workforce shortages are hitting healthcare facilities hard. Health care costs have risen steadily and significantly in the past several years, and WPI has absorbed a large portion of these increases to keep premiums affordable for our faculty and staff. Due to these reasons out of our control, you will see medical plan premium increases in 2025. We continue to do all we can to keep these increases as low as possible and are making changes to medical plan designs in order to control costs. As a result, you will see some changes to deductibles and copays in 2025. See the medical plan options page in your 2025 Benefits Guide for details.

New: Fertility Coverage - In 2025, members will benefit from the expansion of Fertility Benefits under the WPI Harvard Pilgrim Health Plans. At WPI, we know that everyone’s family forming experience is different. To meet you where you are on your own journey, we are expanding our fertility benefits effective January 1, 2025 to provide coverage for employees who do not currently meet the definition of infertility.

2025 Plan Design Changes

Plan	Plan Design	2024	2025
HSA HMO	Deductible	$3,000/$6,000	$4,000/$8,000
	OOPM	$5,000/$10,000	$6,000/$12,000
	OOPM	(Embedded Ind OOPM of $5k)	(Embedded Ind OOPM of $6k)
PPO	Deductible (IN & OON)**	$1,000/$2,000 (IN)	$1,500/$3,000 (IN)
	Deductible (IN & OON)**	2,000/$4,000 (OON)	$3,000/$6,000 (OON)
	High Tech Radiology (IN)	$75 copay	Covered in full after deductible
	High Tech Radiology (IN)	($150 max/year)	Covered in full after deductible
	PCP/Specialist/Urgent Care Copays (IN)	$25/$25/$25	$25/$40/$40
HMO	PCP/Specialist/Urgent Care	$25/$25/$25	$25/$40/$40
All Plans	Mail Order Non-Preferred Brand Copay	$150 copay	$100 copay
All Plans	Enhanced Fertility Coverage	Members must meet the definition of infertility	Expand coverage for members who may not meet the definition of infertile but still require assistance achieving pregnancy

**The PPO’s deductible cross accumulates

All Harvard Pilgrim Health plans are designed to provide you with access to top-notch care, as well as the doctors and hospitals you know and trust. During Open Enrollment employees are encouraged to leverage the supports provided through Harvard Pilgrim to ensure you have the information needed to make decisions for care in 2025.

MyConnect: a Member Advocate service is your direct connection to Harvard Pilgrim for support with questions about your coverage. Available Monday – Friday, members can chat, send secure email messages, or call 866-623-0184. Representatives are available Mondays, Tuesdays, and Thursdays from 8 a.m. to 6 p.m.; Wednesdays from 10 a.m. to 6 p.m.; and Fridays from 8 a.m. to 5:30 p.m.

Delta Dental: There are no plan or premium changes to dental in 2025.

You will have access to same coverage as you have today with world-class service from Delta Dental.

As a reminder, through the Right Start 4 Kids Program, Delta Dental offers free dental care for

covered children under the age of 13 (this does not include orthodontic services). WPI participants have a choice between the High Plan or Low Plan. If you do not make a change during Open Enrollment, your current coverage will continue at your current coverage level.

VSP: Plan enhancements and premium increases in 2025

Starting January 1, 2025, VSP participants will see enhancements to the vision coverage. There will be a higher allowance for frames, giving you more flexibility to choose the glasses you desire the most. Due to rising vision care costs and the improvements made to the coverage, you will see a slight increase to the 2025 vision premiums.

Health Savings Account (HSA): Increase to annual contribution amount

Employees who participate in the Harvard Pilgrim Best Buy High Deductible Health Plan (HDHP) will continue to receive HSA contributions from WPI - $1800 annually for individual plans and $4000 annually for Employee + Child(ren) and Family plans. In addition, participating employees have the option to voluntarily contribute funds to up to the IRS maximum allowance. In 2025, you can contribute up to $4,150 for individual medical coverage and $8,300 for Employee + Child(ren) or Family coverage. Employees 55 and older can contribute an additional $1,000 as a catch-up contribution.

Existing members will continue to use the same HSA card through the card expiration date. New participants will be issued a card that will be sent to home addresses before January 1st.

ACTION NEEDED: HSA participants – Employees must re-elect these benefits for 2025 during Open Enrollment. Under IRS regulations, participants in the Health Savings Account (HSA) benefit must re-enroll each plan year. This includes the contributions you receive from WPI. These are pre-tax accounts that provide employees with taxable savings to offset the cost of medical expenses.

Elections must be made in Workday between October 21st and November 5th for 2025. If you elect the Best Buy HSA plan you must take action in Workday to receive your funds. Select the HSA plan, enter zero and submit. If you would like to make additional voluntary contributions to your HSA you may enter the annual amount in place of the zero and submit.

Flexible Spending Accounts (FSA) – Health, Limited Purpose, and Dependent Care

Health and Limited Purpose FSA: Increased annual contribution amount in 2025.

You can save even more into your spending account in 2025! Employees can contribute up to $3,200 for both the Health Care and Limited Purpose Care FSA.

Dependent Care FSA: The $5,000 annual maximum contribution remains the same in 2025.

ACTION NEEDED: FSA participants – Employees must re-elect these benefits for 2025 during Open Enrollment. Under IRS regulations, participants in the Flexible Savings Account (FSA) benefit must re-enroll each plan year. These are pre-tax accounts that provide employees with taxable savings to offset the cost of medical, dental, vision and dependent care expenses. Elections must be made in Workday between October 21st and November 5th for 2025.

HYKE Decision Doc – This tool is free for benefit eligible employees looking to cost compare health, dental, vision insurance plans as well as health savings, flexible spending accounts and life insurance. The HYKE Decision Doc platform assists employees with selecting the benefit plan most suited to their specific needs while providing a recommendation for best overall financial value. Employees will navigate the tool via a designated web link, answer questions based on individual and covered family member needs and in turn will be provided with a recommendation for health, dental and/or vision plans for the 2025 plan year. Employees are not obligated to select the recommended plan(s). This tool will be available beginning October 21st for employees.

WPI Employee Benefits Fair

The Benefits Team will host an onsite Employee Benefits Fair on Wednesday, October 23rd from 11am – 2pm in the Rubin Campus Center, Odeum A&B. Vendors will be available to answer questions and provide information related to the plans offered to WPI employees. There will be door prizes, chair massage and other health activity offerings. Be sure to swing by to visit with vendors, WPI representatives from the divisions below as well as the WPI Benefits Team.

Chair Massage is back! Employees are invited to schedule a 15-minute massage during the Benefits Fair. Sign-ups are required to participate in this wellness offering. Employees who sign up for massage must be prompt for their appointment. Location: Odeum C. Chair Massage Sign-Up

WPI Benefit Vendors

Harvard Pilgrim Health Plan	Delta Dental
VSP Vision	Optum Rx
Hartford Insurance – Life & Disability	Voya FSA and HSA
Fidelity Retirement	TIAA Retirement
LTC Long Term Care Solutions	Allstate ID Theft Protection
MetLife Legal Plans	Nationwide Pet Insurance
Brown & Brown Medicare Advocacy Support

WPI Divisions

Graduate Studies	DEIB/ Office of Equal Opportunity and Outreach
School of Business	Center for Wellbeing
T&I - Talent Strategy Partners	Sports & Recreation Center
Staff Council	Library Services

Open Enrollment Drop In Sessions

Can’t make it to the Benefits Fair or just need a little extra help with making your 2025 elections in Workday? No problem! Visit a member of the Benefits Team at one of our drop-in sessions.

Thursday, October 24th 9am-11am – Gordon Library: Anderson Computer Lab
Tuesday, October 29th 9am-11am – Rubin Campus Center: Mid-Century Room
Wednesday, October 30th 2pm- 3pm - Gordon Library: Anderson Computer Lab
Thursday, October 31st 9am-10am - Gordon Library: Anderson Computer Lab

Department(s):