Benefits Enrollment

What’s new or changing for 2025


Medical

BlueCross and Blue Shield of North Carolina (BCBSNC) will be the medical plan administrator for our medical plans that are currently administered by Cigna. OptumRx will administer the prescription drug benefits under these plans.

Because of this significant change, you must actively enroll in a Veradigm medical plan during Open Enrollment if you want medical coverage for 2025. This applies to all employees who are currently enrolled in a Cigna or Kaiser plan.

BCBS of NC (BCBSNC) medical options – currently Cigna

  • Associate medical premiums for all three Cigna/BCBS plans are staying the same for 2025.
  • BCBSNC plan features will remain the same as under our current Cigna plans, but the names will change to: BCBS HRA, BCBS HSA and BCBS PPO.
  • Optum Rx will administer the prescription drug benefits for the BCBS plans.
  • If you enroll in a BCBS plan, you will receive a new BCBS medical ID card and an Optum Rx ID card for 2025.

BCBS medical plans

Kaiser Permanente

  • Associate medical premiums for all three Kaiser plans are staying the same for 2025.
  • The Kaiser HRA and Kaiser Co-pay plan features will not change for 2025.
  • Kaiser HSA plan features will also stay the same except for some minor changes in plan deductibles and out-of-pocket maximums, as follows, to comply with updated IRS mandates for 2025:
    • Visits to the emergency room will be $200 (currently $100).
    • If you enroll in family coverage, the deductible for any one member in the family will be $3,300 (currently $3,200). The deductibles for associate only and entire family will stay the same.
    • The out-of-pocket maximums will be $4,600 per person and $9,200 per family (currently $4,500/person and $9,000/family).

Kaiser medical plans


Dental

  • Associate premiums will increase slightly for 2025.
  • Dental plans will continue to be administered by Cigna and the plan features for both options will stay the same.

Dental plans


Vision

  • Associate premiums will have a modest increase for 2025.
  • Vision plan features will stay the same.

Vision plan


Health reimbursement accounts (HRAs)

  • If you enroll in the BCBS HRA or Kaiser Permanente HRA plans, an HRA account is set up for you.
  • If you are currently enrolled in the Cigna HRA plan, any funds in your account will transfer to the BCBS HRA account if you enroll in this plan for 2025.
  • Veradigm contributes to your HRA account each year.

HRAs


Health savings accounts (HSAs)

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

You may participate in an HSA if you enroll in the BCBS HSA plan or the Kaiser Permanente HSA plan.

How much you can contribute for 2025

If you enroll in the BCBS HSA or Kaiser HSA, you can contribute up to the IRS maximums for 2025:

  • Individual: $4,300 (currently $4,150).
  • Family: $8,550 (currently $8,300).
  • If you are age 55 and older, you can contribute an additional $1,000 as a catch-up contribution.

To receive Veradigm’s contributions

Veradigm will contribute to your Health Savings Account (HSA) only if you enroll in either the BCBS or Kaiser HSA medical plan during Open Enrollment. Follow these steps to ensure you receive the contribution:

  1. Elect the BCBS HSA or Kaiser HSA medical plan through the Veradigm benefits enrollment system.
  2. Confirm your HSA participation:
    • If you want to participate, select “I Want Coverage.”
      • You’ll be prompted to choose your contribution amount for 2025.
      • If you don’t want to contribute but still want Veradigm’s contributions, enter $0 as your contribution amount.
    • If you don’t want to participate, select “Waive Coverage.”
      Note: If you waive coverage, you will not receive Veradigm’s contributions to your HSA.

Learn more about 2025 contribution details

Important information for current Cigna HSA Plan participants who choose the BCBS HSA Plan for 2025

If you’re currently enrolled in the Cigna HSA medical plan and want to choose the BCBS HSA medical plan for 2025, you must actively enroll in the BCBS HSA plan during Open Enrollment to make contributions to your Health Savings Account (HSA) for 2025.

Please note:

  • Your current HSA under the Cigna plan will transfer to HSA Bank.
  • HSA Bank will directly administer your account, so the way you access your HSA will change.

Action required: Update your email address

If you’re currently enrolled in the Cigna HSA plan and plan to switch to the BCBS HSA plan for 2025, please log in to your MyCigna.com account and confirm your preferred email address. This ensures your correct email will be on file with BCBS and HSA Bank for a smooth transition.

HSAs


Flexible spending accounts (FSAs)

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

IRS maximum contributions limits for are:

  • General purpose health care FSA and limited purpose health care FSA: $3,300.
  • Dependent care FSA: No changes; the maximum remains at $5,000 per household or $2,500 if married, filing separately.

Note that 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 2024 account funds by Dec. 31, 2024, and submit claims by March 31, 2025. For 2025 contributions, you must use funds by Dec. 31, 2025, and submit claims by March 31, 2026.

FSAs

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

Do I have to enroll?

You must actively enroll to have medical coverage, participate in flexible spending account, or contribute to an HSA in 2025.

Good news about your BCBS medical rates!

By transitioning to BCBS and negotiating to retain our current plans and features while managing costs, we’re pleased to announce that associate medical premiums are staying the same for 2025. This is particularly significant given that health benefit rates continue to rise nationwide.

COVID surcharge

The COVID surcharge will end on Dec. 31, 2024.

Commit to quit!

Still using tobacco products? Learn how to avoid or stop the tobacco surcharge.

Are your beneficiaries up to date?

This is a good time to review your beneficiaries for specific benefit plans, such as the life and AD&D insurance plans and the Retirement Savings Plan.

Your benefit elections start Jan. 1

The benefits you choose during Open Enrollment will start on Jan. 1, 2025, 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.

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.

Are you enrolling as a new hire? As a new hire, if you’re enrolling in benefits for the first time during Open Enrollment (or later), you will need to make elections for both the remainder of 2024 and for 2025. When you access the benefits enrollment system to select your 2024 benefits, the system will also prompt you to enroll in your 2025 benefits. Be sure to complete both steps to ensure your coverage is set for the rest of this year and for 2025.

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” refers to the use of tobacco products 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 smoking-free lifestyle. To help all associates, both BCBSNC and Kaiser offer no-cost programs to help with quitting smoking.

BCBSNC

The BCBSNC tobacco cessation program is available to all associates and family members enrolled in the BCBSNC 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 the “quit smoking” program which offers a variety of options to help

  • Talk with a health coach or a tobacco cessation quitline.
  • Create a customized quit plan, identify triggers and develop strategies to manage cravings.

Quit Smoking →