2025 BENEFITS CHANGES
Open Enrollment for 2025 benefits ended November 22, 2024.
Your next chance to enroll in or update your benefits is next year during Open Enrollment, unless you experience a qualifying life event.
If you didn’t do anything during Open Enrollment, your current elections will continue in 2025 except FSAs – these do not automatically carry over to the next year.
If you have questions, email [email protected].
View your benefits on Workday
Log into Workday or download the Workday mobile app to view your benefits.
What’s new for 2025
AMCN regularly reviews its benefits to ensure we offer competitive, affordable coverage that supports you and your family’s physical, financial, and emotional well-being.
The following changes go into effect January 1, 2025, unless noted otherwise.
Employee contributions
Health care expenses continue to increase drastically each year. AMCN pays more than 80% of the health care costs covered by our plans, and in-network preventive care is covered at 100%.
The paycheck contributions for medical, dental, and vision coverage are increasing for most of our plans in 2025.
Health Savings Account (HSA) contributions
The 2025 contribution limits are:
| Coverage level | You | AMCN (CDHP 90 & 80 only) | Total |
|---|---|---|---|
| Individual | $3,750 | $$550 | $4,300 |
| Employee + 1 or more dependents | $7,450 | $1,100 | $8,550 |
If you’re age 55 or older by the end of 2025, you can contribute an additional $1,000 in catch-up contributions.
AMCN does not contribute to the HSA in the CDHP 70 Basic plan.
Flexible Spending Account (FSA) contributions
You can contribute up to $3,300 to the Health Care FSA in 2025. There is no change to the amount you can contribute to the Dependent Care FSA.
Visit Tax-advantaged accounts for more information.
401(k) Savings Plan catch-up contributions
If you turn age 60-63 in 2025, you can contribute an additional $11,250 in catch-up contributions to your 401(k).
Visit 401(k) Savings Plan to learn more and start contributing.
Vision plan enhancements
The following enhancements will apply to both the Buy-Up and Basic vision plans:
- Copay for eye exams: The copay for in-network eye exams will be reduced to $0, so you’ll pay nothing out of pocket.
- Allowance for frames and contacts: The allowance for frames and contact lenses will increase to $175.
- Essential medical eye care: VSP will cover essential medical eye care for immediate and ongoing health conditions like pink eye, diabetes, glaucoma, sudden changes in vision, and more. You’ll pay a $20 copay for these services, unless your VSP provider is part of your medical plan’s network (your medical insurance will be billed instead).
Not sure if you need vision insurance? Take the VSP & You Quiz to see if coverage is right for you.
Expanded support through Maven
In May 2024, we introduced maternity support through Maven at no cost to those enrolled in an AMCN medical plan. In 2025, we’re expanding our offerings through Maven to include:
- Menopause support: Specialized 18-month program that offers holistic care to help you identify symptoms early and unlimited access to specialists.
- Parenting and Pediatrics: Personalized, virtual support from a care advocate who can answer questions and connect you with Maven’s network of child care providers and tutors. You’ll have unlimited virtual access to specialists ranging from occupational therapists to speech pathologists and an online library of resources and classes for a variety of parenting topics.
Register on the Maven website or mobile app (App Store | Google Play).
Medical plan deductibles, out-of-pocket maximums, and ID cards
The deductible is the amount you pay each plan year before the plan starts to pay. The out-of-pocket maximum is the most you’ll pay out-of-pocket each plan year.
These amounts are increasing for all our medical plans. View the in-network amounts for 2025 in the chart below. For out-of-network amounts, view the detailed medical plan comparison chart.
| CDHP 90 with HSA | CDHP 80 with HSA | CDHP 70 Basic | |
|---|---|---|---|
| Annual deductible | |||
| Individual | $1,650 | $2,650 | $2,650 |
| Employee + 1 or more dependents | $3,300 | $5,300 | $5,300 |
| Annual out-of-pocket maximum | |||
| Individual | $3,050 | $4,050 | $4,050 |
| Employee + 1 or more dependents | $6,100 | $6,950 | $6,950 |
All employees enrolled in an AMCN medical plan in 2025 will receive new medical ID cards. As usual, there are no dental or vision ID cards.
New caregiving support through the Group Legal Plan
The MetLife Group Legal Plan will offer services to help with financial and legal matters specific to caregiving.
You’ll have unlimited access to attorneys who can consult on things like:
- Long-term care
- Estate planning
- Medicare/Medicaid documents
- Nursing home agreements
- And more
You can enroll in the legal plan during Open Enrollment on Workday.
Take advantage of all your pre-tax benefits
In addition to the HSA and FSAs, you have other pre-tax benefits to reduce your taxable income, save for the future, and pay for eligible expenses:
- 401(k) Saving Plan: Contribute up to 50% of your base salary pre-tax or Roth after-tax and get matching company contributions.
- Transit Savings Account: Pay for public transportation and parking costs for your commute to work.
You can enroll in the 401(k) or transit savings account anytime during the year.