Benefits Enrollment

What’s new or changing for 2027


Medical

You must enroll in medical coverage for 2027

Your current medical election will not carry over to 2027. If you want Veradigm medical coverage next year, you must actively enroll during Open Enrollment.

Even if you want coverage similar to what you have today, take a fresh look at your options. Two BCBS plans have new names for 2027, and there are important changes to plan features and costs.

2027 MEDICAL PLANS


Dental

  • Associate premiums will increase slightly.
  • Cigna will continue to administer both dental plan options, with no changes to plan features.

DENTAL PLANS


Vision

  • Associate premiums will not increase.
  • VSP will continue to administer the vision plan, with no changes to plan features.

VISION PLAN


Health savings accounts (HSAs)

If you enroll in the BCBS or Kaiser HSA Plan and are eligible for an HSA, you must elect the savings account during Open Enrollment if you want to participate in 2027. Your current HSA election will not roll over. Remember that enrolling in the HSA medical plan and electing the HSA itself are separate steps.

Your 2027 HSA contributions

If you enroll in the BCBS HSA or Kaiser HSA Plan, you can contribute up to the IRS maximums for 2027:

  • Individual: $4,500 (currently $4,400)
  • Family: $9,000 (currently $8,750)
  • If you are age 55 and older: You can contribute an additional $1,000 as a catch-up contribution

Veradigm’s HSA contributions will remain the same for 2027.
HSAs


Flexible spending accounts (FSAs)

You must re-elect your FSA contributions each year to participate. Your current elections will not roll over.

For 2026, IRS contribution limits* are:

  • General purpose health care FSA and limited purpose health care FSA: $3,400.
  • Dependent care FSA:
    – Single individuals or married couples filing jointly: $7,500 for (up from $5,000), or
    – Married couples filing separately: $3,750 for (up from $2,500)

Note: Any funds remaining in your health care and/or dependent care FSAs at the end of the year cannot be rolled over to the next year. You must use your 2026 account funds by Dec. 31, 2026, and submit claims by March 31, 2027. For 2027 contributions, you must use funds by Dec. 31, 2027, and submit claims by March 31, 2028.

* 2027 IRS contribution limits are expected in late 2026. Check the FSAs page for updates.

FSAs


Voluntary benefits

New administrator for voluntary benefits

Beginning Jan. 1, 2027, New York Life will replace Aetna as the provider for Veradigm’s accident, critical illness and hospital indemnity benefit plans. You must actively enroll to have coverage for 2027 since your current elections will not roll over.

These voluntary benefits provide additional financial protection to help with expenses related to a covered accident, serious illness or hospital stay.

What to know

  • Accident and hospital indemnity rates will remain the same.
  • Critical illness rates will be lower for the $10,000 and $20,000 benefit levels and comparable for the $30,000 level.
  • All three plans include a $50 health screening benefit.
  • Rates are guaranteed for three years.
  • The accident plan adds coverage for cervical spine dislocation.
  • Covered conditions and benefits under the New York Life plans differ from the current Aetna plans. Review the plan documents for complete coverage details, including covered and excluded conditions and services.

It’s ALMOST time to enroll for benefits!

Enroll between Monday, Nov. 2 and Monday, Nov. 16.

Enrollment News

AllCare Service Center

Enroll, make mid-year life event changes, find benefits information, or ask questions.

Available Monday through Friday from 8 a.m. to 8 p.m. ET.

844.705.4101
VeradigmBenefitsUS.com

Not sure which medical plan is right for you?

Health Advocate can help you compare your options and answer your benefits questions. Call 866-799-2728 or visit healthadvocate.com/member and enter registration code 7QR4TKP.

Benefit elections start Jan. 1

The benefits you choose during Open Enrollment will start on Jan. 1, 2027, and last until Dec. 31, unless you have a qualifying life event (like marriage, birth, or divorce) or lose eligibility. Your next chance to make changes will be during next fall’s Open Enrollment.

Remember to update your beneficiaries

Open Enrollment is also a good time to make sure your beneficiary information is up to date, particularly if you’ve experienced a marriage, divorce, birth or other family change. Be sure your beneficiary information is current for your health savings account (HSA). You can make any changes during Open Enrollment to review and update your beneficiary information through veradigmbenefitsus.com. plan beneficiary anytime through workplace.schwab.com.

Medical rates

Associate per-pay-period contribution

Coverage level BCBS Gold BCBS HSA BCBS Silver Kaiser HSA Kaiser Co-pay
Associate only $95.00 $85.00 $48.00 $71.50 $41.00
Associate + spouse/DP $239.50 $202.00 $152.50 $170.00 $130.50
Associate + child(ren) $136.00 $119.00 $83.00 $100.00 $71.00
Associate + family $239.50 $214.50 $159.00 $180.50 $136.00

Medical plans

Dental rates

Associate per-pay-period contribution

Coverage level Dental PPO Dental HMO
Associate only $9.39 $5.06
Associate + spouse/DP $29.65 $9.56
Associate + child(ren) $18.49 $11.24
Associate + family $29.65  $16.59

Dental plans

Vision rates

Associate per-pay-period contribution

Coverage level
Associate only $3.73
Associate + spouse/DP $7.08
Associate + child(ren) $7.45
Associate + family $10.95

Vision plan

Voluntary life insurance rates

Monthly rates per $1,000

Associate age
as of Jan. 1
Associate
non-smoker rate
Associate
smoker rate
Spouse/domestic
partner rate
Under 24 $0.04 $0.066  $0.050
25-29 $0.04 $0.074  $0.061
30-34 $0.05 $0.082  $0.081
35-39 $0.061 $0.116  $0.090
40-44 $0.095 $0.166  $0.101
45-49 $0.125 $0.264  $0.151
50-54 $0.23 $0.363 $0.232
55-59 $0.43 $0.496 $0.433
60-64 $0.66 $0.66 $0.665
65-69 $1.27 $1.27 $1.279
70+ $2.06 $2.06 $2.074

Your life and AD&D insurance is based on your age and eligible earnings as of Jan. 1. This means your life and AD&D benefit and applicable deductions will remain frozen until the following Jan. 1. Eligible earnings include base pay and commissions paid in the preceding 12-month period.

How to calculate your monthly cost

Multiply your annual salary by the multiple selected and then round up to the next higher $1,000. Divide this amount by $1,000 and multiply by the monthly rate shown in the table. To determine your pay period deduction, divide this amount by 2.

Voluntary life insurance rates for your child(ren)

Coverage is the same cost for one or more children.

Coverage level Per-pay-period deduction
$10,000 $0.41
$25,000 $1.03

Voluntary life insurance

Voluntary AD&D rates

You may purchase additional AD&D insurance for yourself and your family in increments of one to ten times your salary, to a maximum of $1,000,000.

Coverage level Monthly rate per $1,000
Associate Only $.02
Family
• Spouse: 50% of associate benefit
• Child: 10% of associate benefit
$.03

Voluntary AD&D

Pre- and post-tax

Based on the plan, your cost or contributions for benefits coverage are made on either a before- or after-tax basis.

Before-tax benefits let you pay for coverage with dollars from your pay before taxes have been deducted, which results in tax savings for you. After-tax benefits let you pay for coverage on an after-tax basis using dollars from your pay after taxes have been calculated.

When covering a domestic partner, contributions for your domestic partner will be deducted on a post-tax basis. You will also pay taxes on the imputed income on the portion of benefits paid for by Veradigm for your domestic partner to be covered.
Who is eligible

Who is eligible

You

If you are a full-time or part-time associate regularly working at least 24 hours per week, you are eligible for coverage in Veradigm Health and Welfare benefit plans.

Your dependents

Your dependents who are eligible for coverage include your:

  • Legal spouse or domestic partner.
  • Dependent children up to age 26 (or older, if your child is permanently and totally disabled).

Important notes:

  • When covering a domestic partner, contributions for your domestic partner will be deducted on a post-tax basis. You will also pay taxes on the imputed income on the portion of benefits paid for by Veradigm for your domestic partner to be covered.
  • Have your dependents’ Social Security numbers (SSNs) on hand when enrolling them in benefits. U.S. health care reform requires SSNs to be reported to the IRS for each covered individual.
  • If you add a dependent to your health insurance coverage who does not qualify as a tax dependent under the Internal Revenue Code Section 152 and Notice 2010-38 (such as a domestic partner), the Fair Market Value (FMV) of VeradigmVeradigm contribution toward that coverage is considered a taxable fringe benefit, subject to tax withholding. This calculated fringe benefit is known as imputed income.
When to enroll

When to enroll

You are eligible to enroll in Veradigm benefits:

  • During the open enrollment period every fall.
    Your new elections made during this enrollment period will be effective on Jan. 1 of the following year
  • If you are a new hire or newly eligible.
    You have 31 days from your first day of eligibility to enroll.
  • If you have a qualifying life event.
    You have 31 days from the day of your qualifying life event to make elections.
How to enroll

How to enroll

To enroll, log into the Veradigm benefits enrollment system, then follow the steps below.

If you are already registered:

  1. Enter your user name and password. If you can’t remember one or both, click on Trouble Logging In? or call 1-844-705-4101.
  2. Once you are in the benefits enrollment system, click on the Start Here button and follow the instructions to enroll in your benefits or waive coverage.

If you are not registered:

  1. Enter your Social Security number or Employee ID, Company Key and Date of Birth. Company Key is: MDRX in all uppercase letters.
  2. Create your user name and password. (Make a note of your user name and password for future use.) Select your security phrase and answer. Click Continue.
  3. Log in with the new user name and password you just created in step 2. Read the Electronic Signature notification and click Accept to move forward.
  4. Once you are in the benefits enrollment system, click on the Start Here button and follow the instructions to enroll in your benefits or waive coverage.

Confirmation reminder!

Until you have received a confirmation number from the Veradigm benefits enrollment system, your benefit enrollment or change request has not been processed. Please make sure to print your confirmation number for future reference.

Qualifying life events during the plan year

Qualifying life events during the plan year

Life event changes must be made within 31 days of the event.

Federal regulations issued by the Internal Revenue Service do not allow you to change benefit options or make new elections during the year unless you have a qualifying life event.

Qualifying life events include:

  • Marriage, divorce, legal separation or change in domestic partner relationship.
  • Birth, adoption or change in legal custody of a child.
  • Death of a spouse or child.
  • Change in employment status that results in a loss or gain of benefits, such as beginning or ending employment, change in hours that affect benefit eligibility, or an unpaid leave of absence.
  • Change in dependent status of a child.
  • Significant change in spouse’s premium contributions.
  • Entitlement to Medicare, Medicaid or another insurance plan.
  • Change in spouse’s benefit elections.

All changes must be made within 31 days of the event. To report a life event change, go to veradigmbenefitsus.com and click on Start Here and then select Life Event Change. You will be required to provide documentation verifying your life event within 31 days of your request.

Tobacco surcharge

Tobacco surcharge

If you enroll in a Veradigm medical plan (BCBS or Kaiser Permanente), you must certify whether you use tobacco. If you certify that you are a tobacco user, you will pay a $25 per paycheck surcharge ($50 per month). This is in addition to your regular medical premium.

A “tobacco user” within the past six months. Tobacco products include:

  • Cigarettes, cigars, pipes, snuff, chewing tobacco.
  • All forms of smokeless tobacco.
  • Clove cigarettes.
  • Any other smoking devices that use tobacco, such as hookahs, or simulate the use of tobacco, such as electronic cigarettes.

How to avoid or stop the surcharge

If you successfully complete one of our medical providers’ free Tobacco Cessation programs or are tobacco free for at least six months, you can apply to no longer pay the surcharge and you may be eligible for credit of any surcharge that you have paid. You must log into veradigmbenefitsus.com and change your Tobacco Use status to a non-user. Please note, it may take up to two pay periods before the surcharge is removed from your paycheck.

Commit to quit!

Veradigm understands the health benefits of a tobacco-free lifestyle. To help all associates, both BCBSNC and Kaiser offer no-cost programs to help with quitting smoking and other tobacco use.

BCBSNC

The BCBS tobacco cessation program is available to all associates and family members enrolled in the BCBS medical plans through PIVOT.

  • Pivot App provides personalized activities and challenges built for all schedules.
  • Nicotine Replacement Therapy to help reduce cravings.
  • The Pivot Breath Sensor to track progress.
  • Active user community for collective wisdom and text with experts for personalized support.

Pivot →

Kaiser

Kaiser offers a quit-smoking program with a variety of support resources. Talk with a health coach or a tobacco cessation quit line. Your coach will work with you to create a customized quit plan, identify triggers and develop strategies to manage cravings.

Quit Smoking →