Open Enrollment - 2025 Benefits

IMPORTANT: Open Enrollment for the 2025 Plan Year is ACTIVE. This means that even if you are enrolled and happy with your coverage and costing in 2024, you will need to actively re-elect all benefits, including health, dental, vision, long-term disability, short-term disability, life insurance, and commuter benefits, in order to have active coverage in 2025. If you do not submit your elections through Employee Navigator between December 4th, 2024 and December 12th, 2024, you will lose all benefits effective January 1st, 2025.

Enroll for Your 2025 Employer Sponsored Healthcare Plans

December 4th - 12th, 2024

The only time of year to opt in, out, or make changes to your employer sponsored healthcare plans (Excluding a qualifying life event)

It's that time of year again. Open Enrollment ("OE") is your only opportunity to shop for, adjust, terminate, and enroll in employer sponsored healthcare benefits. The only exception is a new hire enrollment period or a qualifying life event. Please review all the information on this page carefully ahead of the enrollment period.

• 2024 vs 2025 Healthcare Plan Cost Comparison

• Dental and Vision Coverage

• Submit Healthcare Plan Elections

• Sign up to attend Open Enrollment Webinars

• Important Open Enrollment Dates

Important Healthcare Plan Updates for 2025

As your Employer of Record, PGC works with our insurance broker each year to source and secure the best possible healthcare plans at the lowest price. We have witnessed significant increases across all providers with several external factors driving this including inflation, repercussions of COVID-19, and uptake in usage of medical services along with the current economic climate.

After intensive negotiations with our 2024 healthcare insurance carrier, we have decided to transfer to a new provider as the existing was unable to offer competitive pricing in line with market averages. We've opted to transition to United Healthcare as the provider of your healthcare plans in 2025.

Here are the main changes to be aware of before enrolling in your benefits for next year.

2024 vs 2025 Healthcare Plan Costs

All changing monthly costs towards your healthcare plans and ancillary benefits are outlined in the tables below.

Dental and Vision Coverage

Ancillary benefits are a secondary premium type of coverage used to supplement your health insurance plans. Below is the new monthly costs for dental and vision coverage via the new healthcare insurance carrier for 2025 should you choose to opt in.

Check Out Your Employer-Sponsored Healthcare Plan Options for 2025

Be sure to review the medical healthcare coverage and ancillary benefits offered via our new top 3 US healthcare carrier, United Healthcare, along with life insurance and long/short-term disability coverage by New York Life, by clicking the links below prior to Open Enrollment.

Your Enrollment Options for 2025

Open Enrollment for 2025 will be active. This means even if you're already enrolled in healthcare benefits via PGC, you will need to actively re-elect your plans in 2025. If you do not enroll during Open Enrollment, you will not have coverage effective January 1st, 2025.

Open Enrollment Begins

Make your employer sponsored healthcare plan elections from Wednesday, December 4th.

Benefits Election Deadline

All benefit elections must be made for the next plan year by Thursday, December 12th, 2024.

Want to make changes to your HSA or commuter benefit plans for 2025?

If you wish to make changes to your HSA or Commuter Benefits deferrals during Open Enrollment, or enroll in these benefits for the first time, please be aware that the annual HSA and Commuter Benefits limits will increase in 2025.

Please review the contribution increases to these benefits in the Important Healthcare Plan Updates for 2025 section at the top of this page.

Why is it important to review your coverage for 2025?

Your employer-sponsored healthcare plan choices can have a big impact on your health care experience and expenses. Therefore, it is important that you consider your options carefully and find the benefits that are right for you and your family.

We recommend that you carefully review the plans, so that you are familiar with:

• All the offerings

• Benefit pricing for 2025

• Your information to confirm it's correct.

Don't have benefits coverage?

It is important to note, if you currently do not have benefits coverage through PGC and wish to have coverage beginning in 2025, you will need to make your elections during the assigned Open Enrollment period.

Benefits Eligibility

Please note that only full-time workers (averaging 30+ hours per week) are eligible for benefits.

We recommend that you carefully review the plans, so that you are familiar with all the offerings, 2025 benefit pricing, and can confirm that all your information is correct

Submit Your Healthcare Plan Elections or Changes on Employee Navigator

Once you have reviewed the healthcare plans available for next year, submit your elections in Employee Navigator. Please note that any enrollments, adjustments, or terminations that are saved, but not submitted in Employee Navigator will not become active in 2025.

You must click to submit and electronically sign any new enrollments, adjustments, or terminations that you attempt to enter. This will be the final step in the enrollment process. Access Employee Navigator here.

Need Help? Attend Open Enrollment Webinars

We will be hosting two informational webinars during the Open Enrollment period.

These sessions will serve to provide information around the offerings, the enrollment process, and allow you to ask questions and connect with our Workforce Experience Team, as well as our benefits broker, Joyce DeFilippo.

Register for an Open Enrollment webinar session:

Important Dates for Your Diary

Here are some important dates to keep in mind:

December 4th - Open Enrollment begins.

December 12th - Open Enrollment ends. The next opportunity to enroll will be in late 2025 for a January 1st, 2026 effective date

January 1st - Your new healthcare plans will take effect for 2025.

Any Questions on Your Healthcare Plans?

As your US Employer of Record, we're here to help you. If you need any assistance with enrolling in your healthcare benefit plans, contact our Workforce Experience Team to guide you through the process.

If you have any questions on the process or concerns, reach out to the Workforce Experience Team via:

Email: workforce@pgcgroup.com

Phone: +1 646 490 3600