Who needs to engage with Open Enrollment via ADP?

All eligible employees wishing to continue Flexible Spending Account (FSA) and/or Dependent Care Account (DCA) participation, change coverage, retain an eligible spouse/domestic partner on the medical plan, continue HSA contributions through payroll deductions, or enroll in the Health Plan Waiver Incentive must engage with the ADP Open Enrollment process. If none of the above apply, you do not need to access the ADP Open Enrollment portal, and your benefits elections will remain unchanged for 2025. Please visit the "Important Benefit Updates and Changes" section below to learn about a new medical plan offering and 2025 medical rates.

Please note that if you've completed the Be Well @ Juniata Wellness Incentive by October 31, 2024, your discount to the medical base rate will be applied to your ADP profile after Open Enrollment ends. Therefore, the rate shown during the ADP Open Enrollment event is the base rate and not the wellness rate. Employees who have completed the program will receive a notification from Human Resources by November 6th.

ADP Open Enrollment Instructions can be found HERE.

2024 Human Resources Open Enrollment and Benefits Update Meeting Recording

Important Benefit Updates and Changes:

 

Medical Coverage: 
  • Juniata will be offering three Medical Plan Options starting in 2025. Juniata will continue to offer the current PPO option with a $350/700 deductible (PPO Gold), the Qualified High Deductible Health Plan coupled with a Health Savings Account (HSA), as well as a new PPO option with a $2,000/4,000 deductible (PPO Blue). Please note that all Juniata plans fall under Highmark's PPO Blue Network. This is different than the name differentiation using the colors Gold and Blue, chosen for Juniata's colors. 
  • Information on the new PPO Plan ( PPO Blue $2,000/4,000): The PPO Blue plan will function in the same way as our current PPO plan; same co-pays, network, covered services and medication formulary, with a higher deductible in exchange for lower monthly premiums. The services that apply to your deductible are the same under both the PPO Gold and PPO Blue plan and remain unchanged from prior years.
    • What applies to the deductible? Inpatient care, lab work and diagnostic services ( MRI, CAT, PET scan etc.), Basic Diagnostic Services ( standard imaging, labs/pathology and allergy testing), maternity services, Other Therapy Services ( cardiac rehab, infusion therapy, chemotherapy, radiation therapy and dialysis), vasectomy, home health care, hospice, Infertility counseling, Testing and Treatments, and Private Duty Nursing.
    • The family deductible is a specified dollar amount of covered services that must be incurred by covered family members before the program begins to provide payment for certain benefits. For a family with several covered dependents, the deductible you pay for all covered family members, regardless of family size, is specified under family deductible. To reach this total, you can count the expenses incurred by two or more covered family members. However, the deductible contributed towards the total by any one covered family member will not be more than the amount of the individual deductible ( $350 for the PPO Gold or $2,000 for the PPO Blue). If one family member meets the individual deductible and needs to use benefits, the program would begin to pay for that person's covered services even if the deductible for the entire family has not been met.
    • 2025 PPO Gold Plan Information ($350/700) and 2025 PPO Blue Plan Grid ( $2,000/4000)
  • Qualified High Deductible Health Plan (QHDHP) annual deductible will be increasing from $1,600 to $1650 for employee only coverage, and from $3200 to $3300 for two person or family coverage. This change is required to retain the status of a Qualified High Deductible Health Plan per the minimum deductible amounts released by the IRS for 2025. Juniata College will continue to contribute monies into an HSA account for those enrolled in the QHDHP at the annual amount of $700 for employee only and $1400 for two person and family coverage. 
    • What applies to the deductible? All services ( outside of preventive care) ; therefore, this plan requires the employee to meet the deductible before the plan pays for any covered services or prescriptions. 
    • For a family with several covered dependents, the deductible you pay for all covered family members, regardless of family size, is specified under family deductible. To reach this total, the entire family deductible must be satisfied in one benefit period by
      one or more family members. Benefits for any individual member of the family will not be payable until the family deductible has been satisfied. Once the family deductible is met, no further deductible amounts must be satisfied by any covered family member.
    • 2025 QHDHP Plan Information ($1,650/3,300)
  • 2025 Medical Rates can be found HERE. Please note that if you've completed the Be Well @ Juniata Wellness Incentive by October 31, 2024, your discount to the medical base rate will be applied to your ADP profile after Open Enrollment ends. Therefore, the rate shown during this ADP Open Enrollment event is the base rate and not the wellness rate. 
    • Employees who have completed the program will receive a notification from Human Resources. If you have not received an email by November 6th confirming completion and believe you have completed the program, please email Paige Hower at howerp@juniata.edu.

Vision Coverage: (no changes for 2025)

  • VBA covers an exam every 12 months
  • VBA covers lenses every 12 months
  • Material Allowance for contacts (in lieu of eyeglass benefits) is $125 every 12 months
  • Frames wholesale allowance every 24 months is $75 (approximately $175 to $210 retail value)
  • Additional Plan Information can be found HERE.
  • You can check your eligibility HERE.

Voluntary Dental Coverage: 

  • MetLife Dental rates have changed for the 2025 plan year; find new rates HERE.
  • MetLife Dental Benefit Summary available HERE.
  • REMINDER: Dental ID cards will not be mailed. While an ID card is not needed for in-network services, you can print an ID card by accessing the MetLife Portal. 

Flexible Spending Account (FSA) and Dependent Care Account (DCA):

  • Enrollments must be completed through ADP's Open Enrollment Portal and no separate enrollment is needed. These benefits continue to be offered through Ameriflex. 
  • Detailed information on FSA's and DCA's HERE. 
  • The annual maximum for your health FSA for 2025 is $3,300. The maximum carryover amount for your FSA is $660-- i.e. you can carryover $640.00 from 2024 into 2025.
  • The annual maximum for dependent care DCA's remains $5,000.
  • Please note that QHDHP participants are not eligible to enroll in an FSA account but can contribute to an HSA account. QHDHP participants can enroll in a Dependent Care Account ( DCA).

Health Spending Account ( HSA):

  • Enrollments must be completed through ADP's Open Enrollment Portal and no separate paper form is needed.
  • Detailed information on HSA's HERE. 
  • The annual maximum for an HSA is $4,300 for employee only coverage and $8,550 for two-person and family coverage with the opportunity for an additional $1,000 catch-up contribution for anyone 55+. Please note Juniata's employer contribution is included in the annual maximum limits. For example: Employee A is 55 and has employee only coverage. Employee A can contribute a maximum of $4,600 in employee contributions. With Juniata's $700.00 employer contribution, Employee A will reach the maximum amount allowed for someone 55+, which is $5,300.

Other Information: