Giving you more choice with a new Kaiser medical plan!

We're excited to offer a new, affordable plan option with copays for office visits and prescription drugs. Team members in Georgia (ATL Metro), Mid-Atlantic States, Oregon, and Washington can enroll in the new Kaiser plan or any of the United Healthcare plans.

Learn more about the Kaiser plan at choose.kp.org/alclear.

United Healthcare Medical premiums will increase slightly

• Individual coverage: $5 - $12 per month increase

• Family coverage: $16 - $38 per month increase

High-Deductible Health Plan (HDHP) plan limits are increasing

Due to IRS mandates, there are higher deductibles and out-of-pocket maximums for the HDHP.

• In-Network Deductible: $1,600/$3,200  -> $1,650/$3,300

• In-Network Out-of-Pocket Maximum: $3,200/$6,400 -> $3,300/$6,600

• Out-of-Network Deductible: $3,200/$6,400 -> $3,300/$6,600

• Out-of-Network Out-of-Pocket Maximum: $6,400/$12,800 -> $6,600/$13,200

Dental & Vision premiums are not increasing

Enhancement to Dental PPO Plan 

• Preventive care will no longer count toward the $1,500 annual benefit maximum, giving you more coverage for major dental expenses.

• For example, if each routine cleaning costs $150 and you have 2 cleanings per year, that’s an additional $300 in benefit coverage available for other dental needs. Visit costs will vary by region and dentist.

United Healthcare Medical premiums will increase slightly

• Individual coverage: $5 - $12 per month increase

• Family coverage: $16 - $38 per month increase

High-Deductible Health Plan (HDHP) plan limits are increasing

Due to IRS mandates, there are higher deductibles and out-of-pocket maximums for the HDHP.

• In-Network Deductible: $1,600/$3,200  -> $1,650/$3,300

• In-Network Out-of-Pocket Maximum: $3,200/$6,400 -> $3,300/$6,600

• Out-of-Network Deductible: $3,200/$6,400 -> $3,300/$6,600

• Out-of-Network Out-of-Pocket Maximum: $6,400/$12,800 -> $6,600/$13,200

Dental & Vision premiums are not increasing

Enhancement to Dental PPO Plan 

• Preventive care will no longer count toward the $1,500 annual benefit maximum, giving you more coverage for major dental expenses.

• For example, if each routine cleaning costs $150 and you have 2 cleanings per year, that’s an additional $300 in benefit coverage available for other dental needs. Visit costs will vary by region and dentist.

New Kaiser plan in select regions! 

We're excited to offer a new, affordable plan option with copays for office visits and prescription drugs. Team members in Georgia (ATL Metro), Mid-Atlantic States, Oregon, and Washington can enroll in the new Kaiser plan or any of the United Healthcare plans.

Learn more about the Kaiser plan at choose.kp.org/alclear.

Kaiser Medical premiums are increasing for some

• Bronze and Silver individual coverage premiums will not increase.

• All other plan premiums will increase slightly by $8 - $38 per month.

Dental & Vision premiums are not increasing

Enhancement to Dental PPO Plan 

• Preventive care will no longer count toward the $1,500 annual benefit maximum, giving you more coverage for major dental expenses.

• For example, if each routine cleaning costs $150 and you have 2 cleanings per year, that’s an additional $300 in benefit coverage available for other dental needs. Visit costs will vary by region and dentist.

Kaiser Silver medical premiums will remain free; small increase for Gold plan

• Gold Plan premiums are increasing by $8 - $17 per month.

Dental & Vision premiums are not increasing

Enhancement to Dental PPO Plan 

• Preventive care will no longer count toward the $1,500 annual benefit maximum, giving you more coverage for major dental expenses.

• For example, if each routine cleaning costs $150 and you have 2 cleanings per year, that’s an additional $300 in benefit coverage available for other dental needs. Visit costs will vary by region and dentist.

Great news! Your healthcare premiums are staying the same, and we’re excited to introduce two new enhancements to your benefits package:

• Triple S Medical Plan: $0 copays for office visits and diagnostic care received at Salus facilities

• Delta Dental PPO Plan: 

  • Preventive care will no longer count toward the $1,500 annual benefit maximum, giving you more coverage for major dental expenses.

  • For example, if each routine cleaning costs $150 and you have 2 cleanings per year, that’s an additional $300 in benefit coverage available for other dental needs. Visit costs will vary by region and dentist.

Kaiser Medical

Premiums: 

• • $0 plan premiums will remain free.

  • Anyone currently paying for family coverage will see an increase of $20 - $37 per month.

New for 2025:

• • Chiropractic coverage for up to 20 visits annually at $20 per visit.

  • Enhanced $200 Fit Rewards Gym Membership or $0 Home Fitness Program.

Dental & Vision premiums are not increasing

Enhancement to Dental PPO Plan 

• Preventive care will no longer count toward the $1,500 annual benefit maximum, giving you more coverage for major dental expenses.

• For example, if each routine cleaning costs $150 and you have 2 cleanings per year, that’s an additional $300 in benefit coverage available for other dental needs. Visit costs will vary by region and dentist.

Continental U.S. team members: review here

Puerto Rico team members: review here

We’re excited to announce new coverage available for all team members to purchase, including part-timers. These plans designed to offer financial protection in the event of unexpected health challenges.

• Critical Illness Insurance offers a lump-sum payment if you're diagnosed with a covered serious illness, helping to cover medical expenses and other costs during your recovery.

• Accident Insurance provides financial support for medical and other expenses resulting from accidental injuries, ensuring you have coverage when you need it most.

We’re excited to announce new coverage available for all team members to purchase, including part-timers. These services give you peace of mind, knowing you're covered legally and financially! 

• LegalShield provides access to legal advice and services whenever needed, from everyday issues to more complex matters.

• IDShield provides comprehensive identity theft protection, monitoring your personal information and full restoration support if anything goes wrong. 

The maximum amount you can contribute to tax-favored accounts in 2025 is:

Health Savings Account:

• • Individual: $4,300 ($150 increase from 2024)

  • Family: $8,550 ($250 increase from 2024)

Healthcare & Limited Purpose Flexible Spending Account:

• • $3,300 ($100 increase from 2024)

  • Carryover limit: $660 ($20 increase from 2024)

U.S. 401(k) Retirement Plan:

• • Pending IRS announcement

Puerto Rico 401(k) Retirement Plan:

• • Pending IRS announcement

Commuter:

• • $325 per month ($10 increase from 2024)

CLEAR covers the cost of Long-Term Disability Insurance, which provides financial support by replacing a portion of your income if you’re unable to work for an extended period due to illness or injury. 

Good news! We're increasing the maximum monthly benefit from $1,000 to $5,000 for Field Salaried team members.

This change will go into effect for any disabilities that occur after January 1, 2025.