Huber
4

Annual Enrollment for your 2025 benefits begins November 1 and ends November 15. This is your annual opportunity to review your needs and select the benefits that provide the best coverage and value for you and your family.

 

What’s Changing

Each year, we take a close look at our benefits program and consider changes that could better support the diverse needs of you and your family for your total well-being. We focus on providing quality programs and services for your physical, social, financial, and emotional health.

As part of our holistic, inclusive approach to benefits, we’re pleased to announce some enhancements to our current benefits program. Most enhancements and changes take effect January 1, 2025*, unless otherwise noted. Here’s what’s changing for 2025.

Medical Plans

There will be increases to the Core in-network deductible and increases to all three plan options’ out-of-pocket maximums. There will be increases to the contribution rates for dependent coverage. There will be no increases to contribution rates for employee only coverage.

  Core Choice I Choice II
Annual deductible (single/family)
In-network $500/$1,000 $1,800/$3,600 $3,300/$6,600
Coinsurance
In-network You pay 20%, plan plays 80% You pay 20%, plan pays 80% You pay 20%, plan pays 80%
Annual out-of-pocket maximum (single/family)
In-network $3,000/$6,000 $3,700/$7,400 $4,300/$8,600
Health Savings Account (HSA) features
HSA-eligible No Yes Yes
Company funding to HSA No $600 single
$1,200  family		 $600 single
$1,200 family

Vision Plan

There will be no changes to the vision plan and your employee contributions will remain the same. See your vision coverage options.

Dental Plan

There will be no changes to the dental plans and your employee contributions will remain the same. See your dental coverage options.

New Surgical Centers of Excellence

We have partnered with Carrum Health to offer you the absolute best care with access to top quality doctors at world-class hospitals. Surgeries include Orthopedic, Cardiac, ENT, GI, Hysterectomy, Spine, Urology, Bariatric, and more. Carrum Health also provides services for cancer care, substance use disorders, and pain management. It is easy to use! The patient care team and technology take care of everything needed for each service. The best part of it all, medical care costs, including travel if needed, are covered*.

*If you are enrolled in the Core plan, your costs are covered at 100% with no deductible. If you are enrolled in the Choice I and II plan, you must meet the federal minimum deductible ($1,650 individual/$3,300 family) before the plan covers 100% for Carrum services.

As a patient, once your doctors confirm the type of surgery you need, Carrum Health’s team provides support through the process of finding the right surgeon for you. This includes planning your appointments, helping you complete required paperwork, and answering any questions you may have along the way. This new benefit is in addition to your coverage through Aetna. You can choose to coordinate your surgical care through Aetna or Carrum. To learn more, call 1-888-855-7806, or visit carrum.me/huber.

Available Now! Pre-Diabetes Management

We expanded our Livongo Program to include coverage and treatment if you have been diagnosed with pre-diabetes. Livongo can help reduce your risk of developing type 2 diabetes by providing expert coaching and support on nutrition, meal plans, and weight loss. Additionally, through the Livongo pre-diabetes management program you get access to a smart scale at no cost to you, which syncs to a mobile app so you can track your weight and activity all in one place. This program is available now if you are enrolled in a Huber medical plan. If you are not currently enrolled, but you plan to for 2025, you can participate as early as January 1, 2025. For more information, call 1-800-945-4355 or visit www.livongo.com/jmhuber.

Re-Register Now! 529 College Savings and 529 ABLE Program

Gift of College will replace SoFi as our 529 College Savings Program provider and will be offering 529 ABLE plans! Earnings in a 529 College Savings plan grow tax free, and withdrawals are tax free when used for qualified education expenses. The 529A (ABLE) plans allow individuals with disabilities to save for disability-related expenses in a tax-advantaged way without impacting public benefits.

The Gift of College At-Work platform makes it easy for you to direct contributions to any 529 (college savings) plan or 529A plan account using automated payroll deductions (after-tax). You must contribute a minimum of $25 per paycheck to participate. Huber will further help your financial well-being by providing a flat $25 per paycheck match contribution towards your 529 plans.

If you are currently enrolled in SoFi, your last contribution will take place with your final December paycheck. If you’d like to continue participating in Huber's 529 match program, you’ll need to re-register within the Gift of College system as soon as possible to avoid any missed payrolls next year.

To register now, www.giftofcollege.com/huber, link your 529 account(s), and make your payroll elections. If you have any questions or concerns, please email customerservice@giftofcollege.com, or call 877-244-6630 Mon - Fri from 8am - 5pm CST.

UPDATED! Savings and Spending Accounts Contribution Limits

The Health Savings Account (HSA) contribution limits (which includes the amounts from both you and Huber) are increasing for 2025. The new limits are:

  • Up to $4,300 for employee-only coverage
  • Up to $8,550 if you cover dependents

If you enroll in an HSA during Annual Enrollment, Huber will contribute $600 to your account for employee-only coverage, or $1,200 to your account if you also cover dependents. If you’re age 55 or older, you may contribute an additional $1,000.

The Health Care Flexible Spending Accounts (FSAs) contribution limits are also expected to increase in 2025, however the IRS announcement has not been made yet. View the current FSA limits.

Reminder! You must actively enroll in your HSA and/or FSAs each year, as your current elections will not carry over into the following year. 

Enhanced Identity Theft Protection

We are upgrading from Norton LifeLock Premier to Norton LifeLock Premier+ for 2025. With Norton LifeLock Premier+ you get:

  • Up to $50,000 for Cyber Crime Coverage, which includes protection from phishing, cyber extortion, digital currency crime, cyber bullying, and more
  • Coverage for 10 devices with single coverage
  • Unlimited device coverage for families
  • Norton AntiTrack
  • 500GB of PC Cloud Backup space

With these enhancements, there will be a slight increase to the identity theft contribution rates. Learn more about our current identity theft protection coverage here.

Available Now! Menopause and Midlife Care

A new standard of care is here. Progyny puts you and your health in focus, providing virtual care for all stages of menopause and all the unique symptoms that come with it. Their expert network combines evidence-based solutions with a personalized care plan so you can feel your best – utilizing a combination of hormonal and non-hormonal treatments, nutrition and weight management, sleep support, mental health care, and more. Learn more on getting access to a patient care advocate by calling 1-833-215-5348.

Fertility & Family Building Program Updates

For 2025, Progyny coverage will include several enhancements to further support your family planning journey. Progyny brings together cutting-edge science and a high-quality network of fertility experts from across the nation to deliver superior clinical outcomes and to shorten the path to pregnancy. The enhancements include an increase to three smart cycles, travel reimbursement for fertility services and a doula reimbursement.

Learn more about Progyny.

 

Cost of Coverage

For 2025, there will be slight increases to the contribution rates for the medical plans. There will be no changes to the contribution rates for the vision or dental plans.

Annual Wellness Credit

Remember! The requirements to earn the Annual Wellness Credit for 2025 have changed. In order to obtain the Annual Wellness Credit:

  1. You and your covered spouse* must have completed an annual physical between January 1, 2023 and August 31, 2024 and
  2. Complete the tobacco/nicotine-free attestation during the 2025 Annual Enrollment period in the fall of 2024.

For more information, click here.

*Your covered children are not required to get an annual physical for you/your spouse to receive the credit.

2025 bi-weekly employee contributions

Medical

Plan and Coverage Level Wellness Credit No Wellness Credit
Core    
Employee only $61.18 $88.88
Employee + spouse $140.46  $195.84 
Employee + child(ren) $118.77  $146.47 
Family $219.19  $302.27 
Choice I    
Employee only $36.11 $63.80
Employee + spouse $90.42  $145.80 
Employee + child(ren) $75.74 $103.43 
Family $142.63  $225.71 
Choice II    
Employee only $9.46 $37.15
Employee + spouse $37.54  $92.92 
Employee + child(ren) $25.02  $52.72 
Family $62.55  $145.63 
Opt-out* $23.08 bi-weekly cash back 

*If you have the Medical and/or Dental opt-out credit and do not actively enroll during Annual Enrollment, the opt-out will carry over to 2025.

Dental

Coverage level Dental I Dental II
Employee only $8.71 $5.65
Employee + spouse $16.98 $10.93
Employee + child(ren) $16.98 $8.63
Family $28.64 $16.27
Opt-out* $2.31 bi-weekly cash back

*If you have the Medical and/or Dental opt-out and do not actively enroll during Annual Enrollment, the opt-out will carry over to 2025.

Vision

Coverage level Vision Care Plan
Employee only $4.22
Employee + spouse $8.01
Employee + child(ren) $8.43
Family $13.49
 

Take Action

You must take action during Annual Enrollment (November 1 – 15) in order to make changes to your benefits, confirm your nicotine/tobacco-free status to receive your wellness credit*, and/or elect 2025 contributions for an FSA or HSA.

* You and your covered spouse must have completed an annual physical between January 1, 2023 and August 31, 2024.

What happens if you don’t enroll?

If you don’t enroll, you will keep your current coverage in 2025, with the exception of your wellness credit and/or FSAs and HSA annual contribution elections. Note, if you have the Medical and/or Dental opt-out and do not actively enroll during Annual Enrollment, the opt-out will carry over to 2025.

Don’t miss the deadline 

After Annual Enrollment ends, you won’t be able to change your benefits coverage during the year unless you experience a qualified life status event, such as a marriage, divorce, birth or adoption of a child, or a change in your or your spouse’s employment status that affects your benefits eligibility.

How to enroll

You have three easy ways to enroll in your benefits — online or by phone.

Enroll online through COMPASS

  1. Outside the Huber Network: Log in to COMPASS at your convenience, any time of day or night, using any device with internet access. Follow the prompts to register your account.
  2. Within the Huber Network: If you’ve already registered, you can seamlessly access COMPASS through single sign-on  when connected to the Huber Network. 

Enroll by phone at 1-844-347-9035 

Representatives are available to assist you Monday through Friday from 9am to 6pm Eastern Time.

Who’s eligible to enroll?

All regular full-time employees are eligible for Huber’s benefits program. Regular part-time employees are eligible for certain benefits (see the Benefits-at-a-Glance table)

In addition, you may also cover your eligible dependents, which includes your:

  1. Spouse
  2. Child(ren) up to age 26
  3. Disabled children of any age (for a disabled child over the age of 26 to be considered eligible, they must be primarily supported by you and incapable of self-sustaining employment due to disability. Proof of the condition and dependence will need to be provided to the medical plan provider.)

Verify dependents

If you are adding any new dependents to your benefit plans, you are required to provide valid proof documentation by no later than January 31, 2025. If your supporting documents are not provided or are invalid, your dependents will not be added to coverage.

You may upload proof documentation by logging in to your COMPASS account (or visit COMPASS through single sign-on access when inside the Huber Network if you have already registered).

If you do not have online access, you may submit proof documentation to Empyrean via mail or fax at:

J.M. Huber Benefits Service Center
Attn: J.M. Huber Dependent Verification Dept.
P.O. Box 1227
Bellaire, TX 77402
Fax: 866-440-8220

Your enrollment checklist

Use this checklist to make the most of your Annual Enrollment opportunity:

image
  • Think about your coverage needs, including how much health care you anticipate needing.
  • Complete your tobacco/nicotine-free family attestation to receive the wellness credits next year*.
  • Make sure your dependent information is correct and all your dependents are still eligible.
  • Update your Flexible Spending Account (FSA) annual contribution election.
    As a reminder FSA is “use-it-or-lose-it” and does not carry over to the next year.
  • Update your Health Savings Account (HSA) annual contribution election.
  • Review your beneficiaries — it’s a good idea to look over your beneficiary information (especially if your personal circumstances have changed) and make updates as needed.
  • Take advantage of the tools and resources available to help you make informed decisions about your benefits.
  • Complete your benefits enrollment by November 15.
  • Remember: After Annual Enrollment ends, you cannot change your benefit elections unless you experience a qualified life status event, such as a birth or marriage.

*You and your covered spouse must have completed an annual physical between January 1, 2023 and August 31, 2024.

 

Decision Support

Choosing the right plans is important for both your health and your financial well-being. These resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.

  • 2025 Annual Enrollment Newsletter – Review key details, reminders, and deadlines related to Annual Enrollment.
  • 2025 Annual Enrollment Presentation – Read this presentation at your convenience for an overview of what’s changing and what action to take during Annual Enrollment.
  • Prescription Plan Cost Comparisons – Gain a better understanding of your prescription drug costs with each of Huber’s medical plan options. Express Scripts offers an interactive tool where you can price a medication, find out what medications are covered, locate a pharmacy, and more.

TIP: Think about the whole cost.

When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).

 

Benefit Options

Annual Enrollment is your opportunity to enroll in benefits for 2025. Here’s list of the Huber benefit options you may elect during Annual Enrollment. (Note: This is not an inclusive list of all Huber benefits. Explore this website to learn more.)

  • Medical: You have a choice of three plans: Core, Choice I, or Choice II. You can also elect to opt-out of medical coverage to receive cash back bi-weekly.
  • Dental: You have a choice of two plans: Dental I or Dental II. You can also elect to opt-out of dental coverage to receive cash back bi-weekly.
  • Vision: Choose the Vision Care Plan or waive coverage.
  • Health Savings Account (HSA): Available with Choice I or Choice II; Huber will make an annual contribution of $600 or $1,200 based on your coverage level (prorated based on eligibility date).
  • Health Care Flexible Spending Account (FSA): Available with Core or waived coverage.
  • Dependent Care FSA:  Available to all eligible employees – Huber matches 10 cents on every dollar (to a maximum of $450)
  • Accident Insurance: Supplements your medical coverage with cash benefits for specific injuries and treatment resulting from an accident.
  • Critical Illness Insurance: Supplements your medical coverage with cash benefits for a diagnosed covered illness.
  • Hospital Indemnity Insurance: Supplements your medical coverage with cash benefits for a covered hospital stay.
  • Supplemental life insurance: Benefits to provide financial support in the event of death; various coverage levels available for you, your spouse, and/or child(ren).
  • Supplemental AD&D insurance: Benefits to provide financial support in the event of an accidental death or dismemberment; various coverage levels available.
  • Legal Services Plan: Unlimited legal support for covered issues from network attorneys nationwide.
  • Identity Theft Protection:* Comprehensive identity theft protection, credit monitoring, remediation services, and identity theft Insurance.
  • Pet Insurance:* Coverage to help protect you from the financial impact of veterinary care for your pet.

*While Annual Enrollment is a great time to consider these plans, you may enroll in Identity Theft Protection and Pet Insurance at any time during the year.