2025 Benefits Open Enrollment for Regular Employees
2025 Benefits Open Enrollment for Regular Employees
Visit the RIT Service Center or call 585-475-5000 for questions about your benefits.
2025 Benefits Information
2025 Benefits Webinars
Learn more about your 2025 RIT Benefits during one of our webinars.
View our pre-recorded Webinar!
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: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% |
|
POS B No Drug |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% *No new enrollments for 2025* |
|
POS D |
Medical deductible: Coinsurance: 10% |
Medical deductible: 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.
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.
| 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.
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
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
|
UltraSecure ID Premium
|
| $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 |