Highlights and Changes for 2025

  • Dental and Vision rates remain the same as 2024
  • Medical premiums are increasing
    • First significant increase (9.75%) in 5 years
    • Butler’s sharing same cost increase
    • Rates will be published before OE begins
  • No plan offering changes – PPO Plus, PPO Core and HDHP
  • PPO plans – no increase to deductible or out-of-pocket maximum
  • Mental Health for HDHP change for how out-of-network benefit is covered
    • No longer applied toward in-network limits
  • Dependents turning 26 during 2025
    • Will have benefits through the end of the month they reach age 26
  • Pharmacy Benefit Manager
    • Name change from Magellan to Prime Therapeutics
    • No need to change login information
  • New cards will be issued
    • Current cards will continue to be active
    • Mailed out in a white, unmarked envelope
  • 90-day supply now available at retail pharmacy
    • No longer need to order through mail
  • PaydHealth specialty medications remain
  • High Deductible Plan – Deductible increase:
    • Individual $3,200 to $3,300 (+100)
    • Family $6,400 to $6,600 (+200)
  • Health Savings Account (HSA) annual limits increased
    • Must re-enroll each year
    • Individual $4,150 to $4,300 (+$150)
    • Family $8,300 to $8,550 (+250)
    • Catch-up contribution 55+ $1,000
  • Butler employer HSA contributions are moving to per pay deposit
    • Employer contributions remain at:
      • Individual – $750
      • Family – $1,500
  • Flexible Spending Account (FSA)
    • Must re-enroll each year
    • Contribution Max: $3,200 to $3,300
    • Rollover: $640 to $660
    • Any amount less than $25 will be forfeited
    • Expenses must be incurred within plan year
  • Benefits Central Advocacy
    • Direct contact to employee benefits specialists
    • Help with claims, billing or eligibility questions and more
    • Advocating for the member, not the insurance company
  • Cleveland Clinic – Complimentary Second Opinion Program
    • Exclusive virtual clinical review from top-ranked Cleveland Clinic specialists
    • Heart, cancer, gynecology and urology
  • OrthoIndy Incentive Program
    • Hip and shoulder replacements
    • Knee replacements and revisions
    • Lumbar fusions
  • Access to Anthem discounts
    • Active & Fit Direct
    • Jenny Craig
    • Nationwide Pet Insurance
    • ASPCA Pet Insurance and more
  • COMING SOON (EARLY 2025)
    • Diathrive Diabetes Management Program
    • Unlimited diabetes care, free to you!
    • SWORD Health – Virtual Physical Therapy Program
    • Next-generation, clinically effective platform, free to you!