2025 Benefits Open Enrollment for Regular Employees

Regular Employee Open Enrollment
 

2025 Benefits Open Enrollment for Regular Employees

Visit the RIT Service Center or call 585-475-5000 for questions about your benefits and the Open Enrollment process.

 

2025 Employee Benefits Rates

2025 Benefits Open Enrollment is
Monday, October 28 through Friday, November 15, 2024

Open Enrollment Newsletter for Regular Employees

2025 Employee Benefits Rates

Open Enrollment Online Instructions

2025 Open Enrollment Webinars

*Access Services will be available for every session.

Join us to learn more about your 2025 RIT Benefits!

Come learn more about your 2025 RIT Benefits during one of our webinars. Registration is required. 

To register, select the session you will be attending. If you have any problems registering, please submit a ticket through the RIT Service Center.

Not able to attend? View our pre-recorded Webinar!

Watch the pre-recorded Webinar here

View the slide deck here

Date

Meeting Time

Location & Registration Link

Wednesday, November 6, 2024

7am-8am

Zoom Webinar - To register, click here.

Wednesday, November 6, 2024

12pm-1pm

Zoom Webinar - To register, click here.

Wednesday, November 6, 2024

6pm-7pm

Zoom Webinar - To register, click here.

Friday, November 8, 2024

1pm-2pm

Zoom Webinar - To register, click here.

Sunday, November 10, 2024

7pm-8pm

Zoom Webinar - To register, click here.

What to Know

Medical Plans
  • Cost Increases - Medical plan contribution rates will increase across all plans. Your actual increase depends on the plan you choose, who you cover, and your salary level.
  • Plan Features - Medical (in and out-of network) deductibles and coinsurance amounts are increasing for POS B, POS B No Drug, and POS D plans.  Medical deductible and coinsurance applies to inpatient hospital, outpatient surgical and advanced imaging services.
  • POS B No Drug plan - RIT will discontinue this plan in 2026. Employees currently enrolled in the POS B No Drug plan may continue their coverage for one more year. However, this plan will not be open to new enrollees for 2025.
  • What's not changing
    • Out-of-pocket maximums and prescription drug designs including copays will remain the same on all plans.
    • POS A and PPO (out-of-area) plan designs.
    • Copays for primary care provider (PCP) visits, specialist visits, lab, x-rays, urgent care, and emergency room.
Dental Plans
  • Cost Increases - Employee contribution rates will increase by less than $1 per paycheck, for the majority of employees.
  • Plan Features - There are no changes to the dental plans for 2025.
Employee Supplemental Life Insurance

  • Special Opportunity to Increase Coverage - If you currently have Supplemental Life Insurance through RIT and want to increase your coverage for 2025, you may add one times your base pay without providing health information (Evidence of Insurability), subject to certain limitations.

Identify Theft Protection
  • Program and Billing Changes - For those currently enrolled in Identity Theft Protection, the cost of this coverage will be directly billed to you instead of taken out of your paycheck in 2025.
  • There will be NO new enrollments in 2025
Family Member Verification
  • For any newly added family members you plan to cover in 2025, you must complete the family member verification service request and provide proof of eligibility.
  • Acceptable proof includes a marriage certificate for a spouse and a birth certificate (with the employee-parent’s name) for a child.

Medical & Prescription Drug Coverage

Four medical plan options are offered and administered through Excellus BlueCross BlueShield: POS A, POS B,  POS B No Drug (no new enrollments for 2025) and POS D. The prescription drug benefit is administered by OptumRx.

It is important to compare your health needs along with the coverage of the medical plans and the premium costs to determine which plan is best for you.

Employees may cover their spouse/domestic partner and children up to age 26.

You will continue to have access to the well-being programs and resources you’ve become familiar with, along with low cost virtual care through MDLIVE, no-cost preventive care, and additional offerings. PCP, Specialist, X-ray, Lab, Urgent care and pharmacy copays are not changing.

Medical Plan
2024 Design

(In-Network)
Changes for 2025

(In-Network)

POS B

Medical deductible:
$250 individual / $500 family   

Coinsurance: 10%

Medical deductible:
$500 individual / $1,000 family

Coinsurance: 20%

POS B No Drug

Medical deductible:
$250 individual / $500 family

Coinsurance: 10%

Medical deductible:
$500 individual / $1,000 family

Coinsurance: 20%

*No new enrollments for 2025* 

POS D

Medical deductible:
$300 individual / $600 family

Coinsurance: 10%

Medical deductible:
$600 individual / $1,200 family

Coinsurance: 20%

 

Medical deductible and coinsurance apply to inpatient hospitalization, outpatient surgery services and advanced imaging (examples: MRI's, PET scans, CT scans). See Plan Summaries below for more information. 

Out-of-network deductibles and co-insurance are also increasing; please see 2025 SBCs for details.

Four medical plan options are offered and administered through Excellus BlueCross BlueShield: POS A, POS B,  POS B No Drug (no new enrollments for 2025) and POS D. The prescription drug benefit is administered by OptumRx.

It is important to compare your health needs along with the coverage of the medical plans and the premium costs to determine which plan is best for you.

Employees may cover their spouse/domestic partner and children up to age 26. RIT pays the majority of the medical premiums for employees. Employee premium costs vary based on plan, coverage level and employee salary level.  Below is a summary capturing the changes in deductibles and coinsurance in 2025.

In-Network Medical Coverage POS A POS B and POS B No Drug POS D
RRH(1) Other In-Network RRH(1) Other In-Network RRH(1) Other In-Network

Annual Deductible (individual/family)

Note: Each individual does not exceed the single deductible.

 Not Applicable $500/$1,000 $600/$1,200
Coinsurance (patient pays/plan pays) Not Applicable 20%/80% 20%/80%
Annual Patient Maximum Out-of-Pocket (individual/family) $5,450/$10,900 $6,450/$12,900 $6,800/$13,600
Telemedicine with MD Live N/A $10 N/A $10 N/A $10
RRH On-Campus Practice $20 N/A $20 N/A $20 N/A
Primary Care Physician $30 $35 $35 $40 $40 $45
Specialist $35 $50 $40 $55 $45 $60
Physical Therapy $50 $55 $60
Chiropractic Services $50 $55 $60
Urgent Care $55 $60 $65
Emergency Room $115 $140 $140 $190 $165 $215
Hospital Inpatient $150 $200 20% coinsurance after deductible 20% coinsurance after deductible
Hospital Outpatient or Ambulatory Surgical Center $70 $140 20% coinsurance after deductible 20% coinsurance after deductible
Laboratory and Pathology Covered in Full Covered in Full Covered in Full
X-ray $50 $55 $60
Advanced Imaging (CT, MRI, etc.) $75 20% coinsurance after deductible 20% coinsurance after deductible

(1)The lower RRH copays do not apply to tests, treatments or any other services (e.g., allergy shots, chiropractic services, physical therapy, etc.).

Out-of-network deductibles and co-insurance are also increasing; please see 2025 SBCs for details.

  (2) The non-Wegmans 30-day retail copay applies only for acute medications (e.g., antibiotic), controlled substances and the first three fills of a maintenance medication (e.g., cholesterol lowering). The copay for the 4th fill of a maintenance medication at a non-Wegmans retail pharmacy will be 90-day copay amount.
Prescription Drug Coverage POS A POS B Only POS D
Wegmans Other Retail(2) Wegmans Other Retail(2) Wegmans Other Retail(2)
Annual Deductible (individual/family) Not Applicable Not Applicable $1,250 per person, then copays
Annual Patient Maximum Out-of-Pocket (individual/family) $2,550/$5,100 $2,550/$5,100 $2,650/$5,300
Up to 30-Day Supply at Retail
Tier 1: Generic $15.00 $17.00 $15.00 $17.00 $25.00 $30.00
Tier 2: Brand Name-Formulary (preferred) $35.00 $40.00 $35.00 $40.00 $70.00 $80.00
Tier 3: Brand Name-Non-Formulary (preferred) $50.00 $60.00 $50.00 $60.00 $130.00 $150.00
Up to 90-Day Supply at Wegmans or OptumRx Mail Order
Tier 1: Generic $37.50 Not Available $37.50 Not Available $62.50 Not Available
Tier 2: Brand Name-Formulary (preferred) $87.50 Not Available $87.50 Not Available $175.00 Not Available
Tier 3: Brand Name-Non-Formulary (preferred) $125.00 Not Available $125.00 Not Available $325.00 Not Available

For a full comparison of the POS plans, please see the 2025 Medical Benefits Comparison Book for specifics. 

Medical Plan Summaries

POS A
POS B
POS B - No Drug
POS D
Blue PPO

Tools & Resources

Excellus Member Login
Excellus Find a Provider
RRH Find-a-Physician Service
MDLive (Telemedicine)

Pharmacy Benefit Information

2025 Drug Formulary
Optum Rx Member Login
Wegmans Pharmacy Home Delivery
Optum Specialty Pharmacy

Dental Care

Two dental plan options are offered and administered through Excellus BlueCross BlueShield: The Standard Plan and the Enhanced Plan. Both plans provide 100% preventive coverage; the Enhanced plan providing more coverage for major services with a higher annual maximum. Employees may cover their spouse/domestic partner and children up to age 26. RIT pays the majority of the dental premiums for employees. 

The Claims Administrator for the RIT Dental Care plan is Excellus BlueCross BlueShield. Customer Service: 800-724-1675/V and 585-454-2845/TTY

Dental Standard Plan Summary
Dental Enhanced Plan Summary
Find a Dentist (Dental Blue Options)
Excellus Member Login

Vision Care

Vision coverage is offered through VSP. Well vision exams have a $15 copay and there is a $150 allowance for frames or contacts each calendar year. Employees may cover their spouse/domestic partner and children up to age 26. Vision coverage is fully paid by employee payroll deductions.

Member will receive the below in-network benefits when they go to a participating provider.

 Service Coverage Information
Eye Exam

A routine eye exam is covered once per calendar year with a $15 copay.

A diabetic eye exam has a $20 copay (see details below about the VSP Diabetic Eyecare Plus Programs).
Lenses

VSP’s standard lenses are covered in full, every calendar year, after a $20 copay, including glass or plastic single vision, bifocal, trifocal, progressive, or other more complex lenses necessary for the patient’s visual welfare.

There is an additional cost for various coatings (e.g., anti-reflective, scratch, etc.), but VSP does provide a discount on these optional items.
Frames $150 allowance toward frames, every calendar year. If you select a frame that costs more than $150, VSP offers a 20% discount off the amount over the retail allowance. Some frames qualify for a $170 featured frame brands allowance.
Contact Lenses You may choose contacts instead of glasses (lenses and frame). There is a $150 allowance applied to the contact lens exam (fitting & evaluation) and the contact lenses. You also receive a 15% discount off the contact lens exam before the allowance is applied. 

 

Note: RIT’s medical coverage under POS A, POS B, POS B No Drug, and POS D covers routine eye exams with a copay. If you want to continue using your same eye doctor who is not a VSP provider, use your medical ID card at the eye doctor. Then you can take your prescription for eyeglasses or contacts to a VSP provider.

ID Theft (IMPORTANT CHANGE)

For those currently enrolled in Identity Theft Protection, the cost of this coverage will be directly billed to you instead of taken out of your paycheck in 2025. You will receive an email directly from Identity Force in early January with the steps you must take to enroll.

RIT is happy to share that plan designs are enhanced, with lower monthly premiums!

PLEASE NOTE: There will be no new enrollments in Identity Theft Protection for 2025. 

IMPORTANT: You must respond to the e-mail that Identity Force sends in January in order to elect coverage.  If you need to update the e-mail that Identity Force has on record, you may reach out to Identity Force Member Services at 877-694-3367.

Feature
UltraSecure in 2024 
UltraSecure ID in 2025
$1M Identity Theft Insurance X X
24/7 U.S. Based Customer Support X X
Ability to gift monitoring to adult (family plan) 1 Additional Adult Up to 10 Additional Adults
Advanced Fraud Monitoring X X
Bank Transaction Alerts X X
Change of Address X X
Child Watch X X
Court Records X X
Credit Card Transaction Alerts X X
Credit Report & Score   1B Daily
Credit Report Monitoring   1B with Instant Inquiry
Credit Score Simulator X X
Credit Score Tracker   X
Dark Web Monitoring X X
Fraud Alert Reminders X X
Freeze My Credit X X
Fully Managed Identity Restoration X X
Identity Threat Alerts X X
Investment Account Transaction Alerts X X
Junk Mail Opt-Out X X
Lost Wallet Protection X X
Medical ID Fraud Protection X X
Medical Identity Theft X X
Mobile App X X
Online PC Protection Tools X  
Payday Loan Monitoring X X
Restoration for Pre-existing Conditions X X
Sex Offender Registry Monitoring X X
Smart SSN Tracker X X
Social Media Monitoring X X
Solicitation Reduction X X
Stolen Funds Reimbursement X X
Two-Factor Authentication X X
Monthly Rates Current (2024) New (2025)
Employee Coverage $ 9.21 $ 7.50
Family Coverage $ 18.43 $ 13.50

 

Enhancements to the current plan are highlighted in yellow.
Takeaways from current plan design are noted in red.

Feature
UltraSecure + Credit
in 2024 
UltraSecure ID Premium
in 2025
$1M Identity Theft Insurance X X
24/7 U.S. Based Customer Support X X
Ability to gift monitoring to adult (family plan) 1 Additional Adult Up to 10 Additional Adults
Advanced Fraud Monitoring X X
Bank Transaction Alerts X X
Change of Address X X
Child Watch X X
Court Records X X
Credit Card Transaction Alerts X X
Credit Report & Score 3B Quarterly 3B Daily
Credit Report Monitoring 3B 3B
Credit Score Simulator X X
Credit Score Tracker   X
Dark Web Monitoring X X
Fraud Alert Reminders X X
Freeze My Credit X X
Fully Managed Identity Restoration X X
Identity Threat Alerts X X
Investment Account Transaction Alerts X X
Junk Mail Opt-Out X X
Lost Wallet Protection X X
Medical ID Fraud Protection X X
Medical Identity Theft X X
Mobile App X X
Online PC Protection Tools X X
Payday Loan Monitoring X X
Restoration for Pre-existing Conditions X X
Sex Offender Registry Monitoring X X
Smart SSN Tracker X X
Social Media Monitoring X X
Solicitation Reduction X X
Stolen Funds Reimbursement X X
Two-Factor Authentication X X
Monthly Rates Current (2024) New (2025)
Employee Coverage $ 15.70 $ 9.50
Family Coverage $ 31.39 $ 17.50

 

Enhancements to the current plan are highlighted in yellow.

Flexible Spending Account - Beneflex (ACTION REQUIRED)

Beneflex, RIT’s flexible spending account plan, allows you to choose to open a Health Care Flexible Spending Account (HCFSA) and/or a Dependent Care Flexible Spending Account (DCFSA). Through these accounts, you select a certain amount of your earnings to be payroll deducted before taxes are calculated on your pay. This tax-free deducted amount is placed in your HCFSA and/or DCFSA and can be used to pay eligible health care and dependent care expenses. It is important to estimate your health care and dependent care expenses carefully.

Under Federal law, if you do not use all the money in these accounts by the end of the Grace Period, you will lose this money. 

Remember, your 2024 HCFSA and DCFSA elections do not continue in 2025 automatically. If you want to participate in these accounts for 2025, you must enroll.

  Health Care Dependent Care
Who is Eligible to Claim Expenses Employees, their spouse and their eligible
dependent children who have qualified out of
pocket medical, dental and vision expenses.		 Anyone who has an eligible dependent child
under age 13 or is disabled and incapable of
self-support who needs care so you and your
spouse can work or attend school full-time.

Annual Funding Maximum

 $3,300 $5,000 (filing married); $2,500 (filing separate)
Claim Submission Deadline April 30th of the following calendar year April 30th of the following calendar year
Fund Availability Entire fund amount elected is available for
use as of January 1, regardless of when the
actual funds are deposited in the account		 You can only be reimbursed up to the amount
in your FSA when the reimbursement request
is made.
Covered Expenses Eligible health care expenses incurred
throughout the year.		 Child care centers, family day care providers,
child care givers, nursery schools, caregivers
for a disabled dependent, etc.

Life, Accident and Long Term Disability

In addition to the Basic Life and Accidental Death & Dismemberment (AD&D) that is provided by RIT at no cost to eligible full-time employees and part-time employees, RIT offers the opportunity to elect Supplemental Life and AD&D Insurance. Options include Employee and/or Dependent Life and AD&D Insurance, providing coverage for your spouse/partner and/or eligible children as listed below:

  • Employee Benefit Amount 1 to 5X annual base pay up to a maximum of $750,000
    • If you currently have Supplemental Life Insurance coverage, you may increase your coverage for 2025 by one times your base pay without Evidence of Insurability (EOI), provided your total coverage amount does not exceed the Guarantee Issue level (three times salary) under the plan.
    • If your coverage amount exceeds three times salary, EOI is required.
  • Spouse/Partner Benefit Amount $25,000 or 1 to 5X employee’s base pay up to a maximum of combined base and supplemental employee’s coverage
    • EOI is required for any increase in coverage or new election. 
  • Child(ren) Benefit Amount $10,000 or $20,000
    • EOI is not required. 

What is Evidence of Insurability (EOI)?

EOI, also called “proof of good health,” a process that involves providing information about your health to determine your eligibility for insurance coverage.

Note: If you are enrolling or increasing your life insurance or enrolling in Supplemental LTD insurance coverage, you may need to complete an Evidence of Insurability (EOI) Form for Prudential’s (the insurance company) approval. Prudential will send you an e-mail to your work address in December if you need to complete the EOI form.

RIT provides eligible full-time employees with LTD, at no cost, at 60% of base pay with a monthly maximum benefit up to $7,000 (offset by other income), after short term disability. This coverage will not go into effect until or if approved by Prudential. 

Regular full-time employees are eligible to purchase Supplemental LTD to increase their monthly benefit by an additional 10% of base pay to a total of 70% with a monthly maximum benefit up to $10,000 per month (offset by other income).

An Evidence of Insurability (EOI) form will be required when enrolling in Supplemental LTD coverage during Open Enrollment. Prudential will send you an e-mail to your work address in December to complete the EOI form. 

Legal Plan

Covered Services

  • Advice and Consultation
  • Consumer Protection
  • Debt Matters
  • Civil Lawsuit Defense
  • Document Preparation
  • Family Law
  • Immigration
  • Personal Injury
  • Real Estate 
  • Traffic and Criminal Matters
  • Will and Estate 

The available benefits are very comprehensive, but there are limitations and other conditions that must be met. **See Exclusions in the Legal Plan Services Summary for details regarding matters not covered by MetLife Legal. 

Reminder! This plan only covers services after the coverage effective date, which is January 1, 2025 for those who newly enroll during Open Enrollment.

For more details about the Legal Services plan, please see the Legal Services Summary Plan Description.

Benefit Plan Contacts

Health Care Providers
Plan Vendor Contact info
Medical Coverage  Excellus BlueCross BlueShield 800-724-1675/V and 585-454-2845/TTY
Prescription Drug OptumRx (855) 209-1300
Prescription Drug Wegmans 800-934-6267 (call transferred to local store)
Dental  Excellus BlueCross BlueShield 800-724-1675/V and 585-454-2845/TTY
Vision VSP 800-877-7195/V and 800-428-4833/TTY
Beneflex Lifetime Benefit Solutions 800-327-7130
Employee Assistance Program (EAP) ComPsych (webID:RITEAP) 844-572-9730/V and 800-697-0353/TTY

 

Other Insurance & Benefits

Plan Vendor Contact info
Life, AD&D, STD, FMLA, NYS PFL and LTD   Prudential     877-908-4778
Legal Services Plan MetLife Legal Plans (access code: 570005) 800-821-6400/V and 800-821-5955/TTY
Identity Theft Protection Identity Force 877-694-3367