Open Enrollment Is November 1–15, 2024

Open Enrollment is your once-a-year opportunity to modify or enroll in the TEAM benefit plan options as well as update your dependents. This enrollment is a PASSIVE enrollment. This means your current 2024 benefit elections will automatically carry over to 2025, except for your Healthcare Flexible Spending Account (FSA). You must re-enroll in the Healthcare FSA each year in order to participate.

Medical

Curative EPO and PPO Plans

You will continue to have two medical plans to choose from in 2025: 1) Curative Exclusive Provider Organization (EPO) and 2) Curative Preferred Provider Organization (PPO). Both plans have the same benefits, except out-of-network benefits are not covered under the EPO. Your benefits coverage with Curative will be contingent upon the completion of a Baseline Visit within the first 120 days of coverage.

Baseline Visit. You will meet your designated Care Navigator and a clinician virtually, from the comfort of your home to jump-start your health and wellness journey. They will orient you to Curative, connect you to wellness programs, and answer your health-related questions. All members and dependents 18 or older in a Curative plan must complete a Baseline Visit to receive the richer benefits.

  • With Baseline Visit
    • No in-network deductibles, copays or coinsurance.
  • Without Baseline Visit
    • In-network deductibles will be $5,000 for individual and $10,000 for family.
    • No charge for in-network preventive care and virtual visits.
    • In-network copays will be $25 for primary care and $50 for specialty care, after the deductible.
  • PPO Out-Of-Network*
    • Out-of-network deductibles will be $10,000 for individual and $20,000 for family.
    • No charge for out-of-network preventive care. Virtual visits are not covered.
    • Out-of-network copays will be $25 for primary care and $100 for specialty care, after the deductible.
  • * Out-of-network benefits are not covered under the EPO.

Go to curative.com/baseline to schedule a Baseline Visit. If you don’t complete a Baseline Visit in the first 120 days of the year, you will have higher medical costs and miss out on a $0 deductible.

Get more details on the Curative plans here.

Prescription Drugs

The Prescription Drug Program is coordinated through Curative and Kaiser. You may find information on benefits coverage and search for network pharmacies by logging on to Curative, kp.org for Kaiser, or by calling the Customer Care number on your ID Card. Your cost is determined by the tier assigned to the prescription drug product. Products are assigned as Generic, Formulary Brand, Non-Formulary Brand, or Specialty Drugs.

Get more prescription drug coverage details here.

Other Benefit Changes

  • Your benefits with Curative will change based on if you completed a Baseline Visit.
  • Basic Life Insurance, Basic AD&D Insurance, Voluntary Life Insurance, and Voluntary AD&D Insurance are moving to MetLife.
  • Most of your 2024 enrollments will carry over to 2025, except for the Healthcare FSA.
  • Blue Cross Blue Shield of Texas (BCBSTX) dental premiums will slightly increase.
  • Domestic partners will no longer be eligible dependents for coverage.

Costs for Coverage

We are pleased to announce there are no changes to medical premiums for 2025.

Curative EPO and PPO Paycheck Costs

Here are your 2025 medical premium costs.

Curative EPO Curative PPO
Bi-weekly Monthly Bi-weekly Monthly
Employee only $25 $54.16 $69.43 $150.44
Employee and spouse $160 $346.66 $253.32 $548.87
Employee and children $140 $303.33 $226.11 $489.90
Employee and family $215 $465.83 $358.38 $776.49

Kaiser HMO Paycheck Costs (California Only)

Here are your 2025 Kaiser HMO premium costs.

Kaiser HMO
Bi-weekly Monthly
Employee only $59.40 $128.71
Employee and spouse $282.17 $611.37
Employee and children $256.79 $556.39
Employee and family $384.88 $833.91

Dental Plan Paycheck Costs

There is a slight increase to BCBSTX dental premiums for 2025. Get more details on the Dental Plan here.

Dental PPO
Bi-weekly Monthly
Employee only $13.15 $28.49
Employee and spouse $27.73 $60.09
Employee and children $33.13 $71.78
Employee and family $47.72 $103.04

Vision Plan Paycheck Costs

Decide if you need vision coverage by reviewing details here.

Vision Plan
Bi-weekly Monthly
Employee only $3.76 $8.15
Employee and spouse $7.52 $16.30
Employee and children $7.90 $17.12
Employee and family $11.00 $23.84

How To Enroll

You’ll enroll for your 2025 benefits in Workday. On your desktop or mobile device, visit myapps.microsoft.com to locate the Workday app. Then select the Workday icon. On the “Welcome Page,” you will see the 2025 Open Enrollment announcement. Select the Benefits Open Enrollment link to start.

Get detailed instructions here.

2025 Benefits Overview

Get the details about your 2025 benefits, including new programs, how to enroll, and costs.

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