Changes for 2025

Annual Enrollment is October 28 - November 11, 2024

Mosaic is proud to continue providing a comprehensive benefits plan with great programs to support your needs, so you and your family can focus on your overall wellbeing.

As you think about your benefit elections for 2025, we encourage you to consider your future needs, review the benefits Mosaic provides, and ensure you’re enrolled in coverage that is best for you. And, remember to use our wellness resources, now and throughout 2025!

Premiums:

• You will see an increase in your medical plan premiums of $5 to $23 per month depending on the plan you are enrolled in.
• Your cost for dental, vision, and all other premiums will not increase. In fact, you may see a slight decrease in some premiums depending on the plan you are enrolled in.

Plan Updates:

• Medical, dental, and vision plans will remain the same with one exception:
• For 2025, the IRS requires the individual deductible within the family coverage for the Consumer Plan to increase from $3,200 to $3,300 (up $100). If you have family coverage, the individual deductible helps you meet your deductible faster, so an individual doesn’t have to meet the full $5,600 family deductible before the plan coinsurance begins.
• Note, the single and family coverage Consumer Plan deductibles are not changing ($2,800/$5,600).
• For more information and examples on how the deductible works, view the plan comparison chart.
• Complete details of your 2025 medical benefits can be found in the Summary of Benefits Coverage (SBC).
• Effective January 1, 2025, we are transitioning from Prudential to New York Life as our life and AD&D, disability, and leave of absence supplier. All of your benefits coverage will continue to be the same with New York Life unless you make changes during Annual Enrollment.
• During Annual Enrollment, New York Life is offering a one-time, special enrollment opportunity for the 2025 plan year. You will be able to elect supplemental Long-Term Disability (LTD) coverage, and supplemental life coverage for you and your spouse up to the guaranteed issue amounts, without having to provide Evidence of Insurability (EOI) – proof of good health. We encourage you to take advantage of this special enrollment opportunity as you will be required to provide proof of good health if you choose to elect expanded coverage in the future! Learn more about what New York Life can offer you by clicking on the documents tab.
• Starting next year, Virgin Pulse will be changing their name to Personify Health. You will still be able to access the same wellness resource you enjoy with Virgin Pulse but on a refreshed platform. Be on the lookout for more information about this update in the coming year. New participants may register at any time. Learn more about the wellness resources here.
• Take note! Livongo is now part of Teladoc Health. In 2025, Livongo will be rebranding. You may receive Livongo-branded and Teladoc Health-branded communications during this transition.
• The company contribution to the Health Savings Account (HSA) will remain at $750 for individual and $1,500 for family coverage.
• For 2025, the IRS is increasing HSA contribution limits to $4,300 for single coverage (up $150) and $8,550 for family coverage (up $250).
• 2025 contribution limits for Flexible Spending Accounts (FSAs) are to be confirmed. Refer back to this website for updated amounts when limits are released.  

What You Should Know about Healthcare Costs

Mosaic’s medical and pharmacy costs are expected to rise 5.9% for 2025. However, employee premiums will only increase about half of that ($5-$23 per month) as Mosaic continues to absorb the majority of the healthcare costs to support you and your family. It is important to remember healthcare cost increases are driven by how we use the plan (i.e., dependent on the health of everyone covered) and general market increases for medical services. You can keep your healthcare costs low by:

• Maintaining a healthy diet and regular exercise
• Prioritizing preventive care to identify potential health problems before they become serious
• Managing any chronic conditions and using the resources Mosaic provides

For additional information on 2025 Annual Enrollment, visit the Virtual Benefits Fair and review the 2025 Annual Enrollment Guide. Clic aquí para español.