2025 Caregiver Benefit Summary and Guide

Benefits Open Enrollment is November 13-27, 2024.

• The benefits selected will take effect on January 1, 2025

• If no action is taken, these benefits will stay the same at next year's rates: Medical, Dental, Vision, Disability, Life, AD&D

After November 27, 2024, any changes to benefits will require a Qualified Life Event.

All eligible employees should review and confirm their 2025 Benefit Elections.

• Illinois Caregivers will need to work with their SEIU to enroll in minimum essential medical coverage. You can enroll in supplemental benefits during Open Enrollment.
  • Enrollment in PanMed 1 and 2 preventative coverage is allowed.

• NY Caregivers are not offered health and welfare or short-term disability benefits through Help at Home. They can enroll and participate in our Fidelity 401(k) plans, EAP, and HaH Advantage.
  • NY Caregivers should contact JNS Savasta at 866-718-2379 with most benefits questions.

Enroll through the HaH Benefits Administrator, Aptia365 (formerly Mercer Marketplace 365+)

• Enroll online at https://aptia365.com/helpathome

• Or call 855-746-3198

LOGIN NOTE: Use your same username and password from Mercer Marketplace to log in to Aptia365. If you are a new user, you'll set up an account when logging in for the first time. If you've forgotten your password, click Forgot Password or contact Aptia to have it reset. For more information, reference: Mercer365+ Transition to Aptia365 FAQ

 

Aptia365 provides an easy way to learn about and choose coverage. Use online comparison charts, educational videos, calculators, and reference documents.

• Employees have access to personalized support from Aptia365 benefits counselors who can help understand your options as you consider which plans best meet your needs and budget. This is a free service to you, and multi-language representatives and TTY services are available. Call 855-746-3198.

Eligible Caregivers will have the same plan options for Medical, Dental, and Vision Insurance coverage.

• Medical rates
  • Major Medical Plans (Cigna) - increase with market trend
  • Limited Preventative Plans (PanAm) - no increase
• Dental rates - slight increase
• New EAP vendor, SupportLinc, will replace Health Advocate.
• CirrusMD will be discontinued as of December 31, 2024.

You may be eligible to make some plan changes if these Qualifying Life Events (QLE) occur:

• Birth or legal adoption of a child
• Marriage or a new domestic partnership
• Divorce or legal separation
• Death of spouse/domestic partner/child
• Loss or gain of other benefits coverage
• Change in regularly scheduled hours
• Taking a leave of absence

NOTE: You must take action within 30 days of a QLE, and any change must be consistent with your QLE.

Example: if you get married, you may add your spouse (and any eligible dependent children) to your medical plan or cancel your medical coverage to join your spouse’s medical plan.