2025 Benefits

WGU’s High Deductible Health Plan will transition from Cigna to UnitedHealthcare. The HDHP pairs low-premium, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save money and plan for future medical expenses. This combination gives you more control over your money, and rewards you for making healthy, cost-conscious choices. Choose the appropriate Summary of Benefits and Coverage below (National or Utah):

• Review the HDHP Summary of Benefits and Coverage.
• Review the Utah HDHP Summary of Benefits and Coverage.

You can learn more about the HDHP on the UHC pre-enrollment site.

WGU’s Low Deductible Health Plan will be replaced by the Informed Choice Health plan, or ICHP. This plan uses the same network of providers as the HDHP, and is one to consider if you like pricing transparency and choice:

• The ICHP has no deductible and no coinsurance.
• Preventive care is covered at 100% (no copays) when you use in-network providers.
• You pay a copay based on the care you receive and the provider you choose for all other covered services.
• Review the ICHP Summary of Benefits and Coverage.

You can learn more about the ICHP on the Surest pre-enrollment site.

Our medical plan enhancements from this year will carry into 2025, too. The increased number of dietician visits as well as acupuncture will continue to be covered.

The deductibles and out-of-pocket maximums for both plans, in-network and out-of-network, will remain the same as they were in 2024.

Your options for virtual visits are expanding.

As MDLive phases out in 2025, you will have access to UHC’s network of 24/7 Virtual Visit providers, including Dr. On Demand, Teledoc, and Amwell. You will schedule virtual visits through your plan’s app.

As the LDHP is replaced with the new ICHP, the approach to wellbeing incentives will also change.  Those who enroll in the ICHP will automatically be set up with a Lifestyle Spending Account (LSA). The LSA program, powered by ThrivePass, will provide benefits to employees for completing wellbeing activities. You will be able to earn $150 for each qualifying activity, up to a maximum of $750, with plenty of options for using them. While funds are not tax free, services for physical fitness, spa, healthy eating, athletic gear, and more are included in ThrivePass. If you qualified for the 2025 wellbeing incentive and were in the LDHP plan, you will get $750 by February 2025 deposited into your Lifestyle Spending Account. This deposit will be in addition to any incentive you earn during 2025.

All your pharmacy benefits will be available via CVS Caremark. You will have expanded options to receive pharmacy benefits through Costco, CVS, Kroger (Smith’s), Sav-On, and Walgreens, among others. Your medications can be delivered to your home via the CVS Caremark mail order program, too. Most pharmacy benefits will be enhanced or stay the same, backed by CVS Caremark’s commitment to cost transparency and implementing formulary strategies that drive down prices. Visit the CVS Caremark site for your specific plan (each plan's site is linked below) for more information:

• HDHP (Employee Only)
• HDHP (Family)
• ICHP

When it comes to making decisions, WGU understands the value of expert advice. ALEX is a new decision support tool that helps you make benefit decisions and learn more about WGU’s offerings.

2ndMD connects you with board-certified, leading doctors across the country for an expert second opinion via video or phone on an array of procedures.

Spring Health’s offerings are expanding in 2025:

• Substance Abuse support will be available to help individuals and family members experiencing addiction including eating disorders.
• You will have access to 12 therapy sessions at no cost to you or your family members.
• The coaching program is expanding to include access to 12 sessions covered at no cost to you or your family members. Two of these sessions can now be used for medication management consultation.

Starting in 2025, all pregnancy support will be provided through Carrot. This includes pregnancy and labor/birth support, postpartum support (up to 6 weeks), and bereavement support related to pregnancy or infant loss, as well as Doula support services.

As MDLive phases out in 2025, you will have access to UHC's network of 24/7 Virtual Visit providers, including Dr. On Demand, Teledoc, and Amwell. You will schedule virtual visits through your plan's app.

There will be a modest increase in your payroll deductions for medical coverage on the HDHP plan. Depending on your coverage election, your payroll deductions will increase between $2 and $11 per paycheck. If you participated in Cigna’s LDHP plan last year, you’ll see lower costs on the ICHP plan next year. All other premiums paid via payroll such as dental and vision deductions will remain the same.

The annual HSA contribution limits released by the IRS will increase from $4,150 to $4,300 for employee-only coverage and from $8,300 to $8,550 for family coverage.

The IRS has not yet released the healthcare FSA limit for 2025. It is currently $3,300 for 2024. If you elect the maximum FSA amount, your contributions will be updated to the new maximum when released. When making your 2025 elections, remember that any remaining balance of $660 or less will be carried over to the next year. You will lose any funds in excess of $660. You will have until March 31, 2026, to submit healthcare claims for eligible expenses incurred during 2025.