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