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Open Enrollment 2025: May 19 – June 2
Open Enrollment at DASH for your 2025-2026 benefits
Monday May 19, 2025 (12:00 a.m.) – Monday, June 2, 2025 (11:59 p.m.)
The new plan year begins on July 1, 2025, and ends on June 30, 2026.
This document outlines the plans that you must enroll in, to have coverage effective July 1, 2025. There are several other benefits afforded to DASH employees. See the Benefit Guide for more information.
Links to information on this page:
OPEN ENROLLMENT RESOURCES
Benefits Fair: Tuesday, May 20 – 10am-4pm
Visit with our benefits carriers, have a healthy snack, enter to win a door prize, and sign-up to have a relaxing massage!
WHAT DO YOU NEED TO KNOW ABOUT OPEN ENROLLMENT THIS YEAR?
You must enroll in coverage for yourself and your dependents during OE. If you do not enroll, you will not have benefits as of July 1, 2025.
No enrollments will be permitted after June 2, 2025. So, take this time to learn about our plans, the cost, and enroll in the coverage that meets your and your family’s needs.
HOW CAN I GET HELP WITH MY ENROLLMENT?
PRESENTATIONS:
Attend a 30-minute in-person session to learn more and ask questions:
Join us in the Board room:
| May 21 | 3:00 pm |
| May 23 | 10:00 am |
| May 27 | 12:00 pm |
HR Q&A/ENROLLMENT HOURS:
Human Resources will be in the Operations and Maintenance lounges several times throughout OE to help you enroll and answer questions.
| OPERATIONS | MAINTENANCE | |||
| Date | Time | Date | Time | |
| 19-May | 9-11am | 19-May | 10-12pm | |
| 19-May | 2-4pm | |||
| 20-May | 10-4pm | |||
| 21-May | 11-1pm | 21-May | 9-10:30am | |
| 21-May | 2-4:30pm | |||
| 22-May | 8-12pm | |||
| 22-May | 12:30-2:30 pm | |||
| 23-May | 8-10pm | 23-May | 3-5pm | |
| 27-May | 11-1pm | |||
| 28-May | 12:30-2:30 pm | |||
| 29-May | 5-8pm | |||
| 30-May | 9-1pm | |||
| 2-Jun | 8-10am | 2-Jun | 9:30-11:30am | |
| 2-Jun | 2-4pm | |||
PLAN DESCRIPTIONS & GUIDE:
Summary Plan Descriptions and a 2025-2026 Benefit Guide will be available in Paycom; click Benefit Administration, then ‘resource library’ to download copies.
HEALTH PLAN OPTIONS
KAISER HMO PLAN:
| Current Premium | New Premium | |
| Employee only | $29.79 | $32.47 |
| Employee + 1 dependent | $59.58 | $64.94 |
| Family coverage (2 or more dependents) | $75.96 | $82.80 |
UNITED HEALTHCARE
NEW PLAN for 2025!
We are adding a new plan effective July 1, 2025:
UnitedHealthcare Choice Plus HDHP
This is a High-Deductible Health Plan, with a Health Savings Account, and provides an option to have LOWER PAYCHECK DEDUCTIONS. You can seek care in- or out-of-network.
NEW Plan details:
| Network | Choice Plus HDHP |
| Calendar Year deductible | $1,650 / $3,300 |
| Calendar Year out of pocket maximum | $3,300 / $6,600 |
| Coinsurance (the amount you pay after deductible) | 10% |
| Preventive care | Covered 100% |
| Primary Care visit | $10 copay after deductible |
| Specialist visit | $20 copay after deductible |
| Urgent Care visit | $25 copay after deductible |
| Emergency Room visit | $150 copay after deductible |
| Prescription Drugs: | |
| Deductible & out of pocket maximum | Combined with medical |
| Tier I / II / III | $10 / $30 / $50 after deductible |
HEALTH SAVINGS ACCOUNT – available only by enrolling in the HDHP
Key Points:
The other UHC plans will continue, and CVS/Caremark remains for pharmacy coverage in all UHC plans:
Costs per pay period effective July 1, 2025:
UHC CHOICE HMO (in-network care only):
| Current Premium | New Premium | |
| Employee only | $31.49 | $33.07 |
| Employee + 1 dependent | $62.78 | $65.92 |
| Family coverage (2 or more dependents) | $80.67 | $84.71 |
UHC CHOICE PLUS POS (in-or out-of-network care):
| Current Premium | New Premium | |
| Employee only | $45.43 | $47.70 |
| Employee + 1 dependent | $96.06 | $100.85 |
| Family coverage (2 or more dependents) | $123.44 | $129.61 |
NEW PLAN UHC CHOICE PLUS HDHP (in-or out-of-network care)
| Premium | |
| Employee only | $14.82 |
| Employee + 1 dependent | $63.02 |
| Family coverage (2 or more dependents) | $81.58 |
THE STANDARD DENTAL – AMERITUS NETWORK
There are no changes to the Dental plan design, or the premiums per pay period.
Costs per pay period effective July 1, 2025:
| Premium | |
| Employee only | $1.94 |
| Employee + 1 dependent | $2.74 |
| Family coverage (2 or more dependents) | $3.95 |
THE STANDARD VISION – EYEMED NETWORK
There are no changes to the Vision plan design for 2025, and it remains 100% FREE for employees. DASH pays the cost of this plan, so be sure to ENROLL if you need vision coverage for you or your family.
FLEXIBLE SPENDING ACCOUNTS
Flexible Spending Accounts allow you to save on a pre-tax basis for you and your family’s healthcare and dependent care expenses. When enrolled in any of the DASH medical plans (other than the high-deductible health plan), you can determine the amount of your salary to set aside in a FSA account, receive a debit card to use for expenses, and that amount is deducted from your paycheck over the course of the plan year.
| Healthcare FSA | Dependent Care FSA | |
| Used for: | Entire family | Tax dependent child under age 13Tax dependent Spouse who lives with you and cannot care for themselves |
| Eligible expenses: | CopaysCoinsuranceDeductiblesPrescription drugs | Baby-sittersNursery schoolsPre-schoolsDay Care Centers |
| Rollover allowed? | Yes | No |
Pay attention to the IRS maximum contributions and rollover allowance when calculating your contribution, as any unused funds in your account at the end of the plan year are forfeited. These are “use or lose” plans.
Use the FSA Worksheet in your Benefit Guide to determine the best pre-tax contribution amounts for you and your family.
BASIC LIFE INSURANCE AND ACCIDENTAL DEATH & DISMEMBERMENT
DASH covers 100% of these costs.
Basic Life Insurance: 1x your annual earnings to $150,000
(2x your annual earnings to $450,000 for employees hired prior to July 1, 2009)
Accidental Death & Dismemberment: 100% of the basic life benefit
The life benefits reduce after age 65; see the Benefit Guide for more information.
ADDITIONAL LIFE / AD&D
You can enroll in additional life insurance and AD&D coverage for you and your Spouse/Child(ren) to the plan maximums. There is a cost to enroll in these additional coverages.
SHORT-TERM DISABILITY
This is a FREE benefit, 100% paid by DASH. This is an income replacement program in the event you are not able to work for a short period of time due to your own personal illness or injury. The benefit pays 60% of your weekly earnings up to $2000 per week.
If you are approved, there is a 14-day waiting period before benefits begin. The maximum beneit period is 13 weeks including the waiting period.
Employees who did not elect this plan when initially eligible must complete an Evidence of Insurability (EOI) to be enrolled. A link to the EOI will be provided during your enrollment on Paycom.
This is an income replacement program, that begins when short-term disability ends, after a 90-day waiting period, and pays 60% of your weekly earnings up to a maximum benefit per month, and to a maximum benefit period which varies depending on your age when you became disabled.
This is an after-tax voluntary benefit which pays you directly based on the injury and treatment received. It covers the gap between what medical insurance pays and your health/living expenses should you or a family member become injured or suffer an accident. Benefits are paid directly to you, to use as you need.
Should you or a family member be diagnosed with a critical illness, this after-tax voluntary benefit pays an amount directly to you, depending on the type of illness, to cover various out of pocket costs and your rate does not increase as you age.
This benefit can help cover unexpected out-of-pocket expenses such as copays, deductibles, as well as everyday living expenses should you or a family member be hospitalized.
EMPLOYEE ASSISTANCE PLAN (EAP)
This FREE benefit for DASH employees and their family members connects you to resources and support in many areas including mental health, financial, legal, online will preparation and much more! Contact them 24/7 at 1-888-293-6948 or at healthadvocate.com/standard3.
401(k) RETIREMENT PLAN
This plan is designed to help you save and invest for your retirement, and to thank you for contributing to the success of DASH! You can access your account at pcsretirement.com/login, and click “register for web access” if you have not previously registered. Be sure to enter your beneficiaries in your account, and set up/change your own contribution and investment elections at any time. DASH contributes 8% of your salary to your account every pay period and you can contribute your own amount up to the annual IRS maximum.
There are several other benefits afforded to DASH employees. See the Benefit Guide for more information. REMEMBER: you must enroll by June 2, , to have coverage effective July 1, 2025.
FREQUENTLY ASKED QUESTIONS – FAQs
Open Enrollment at DASH for your 2025-2026 benefits is from Monday May 19, 2025 (12:00 a.m.) to Monday, June 2, 2025 (11:59 p.m.). Do not wait until the deadline to enroll. If you do not enroll by the deadline, you and your family will NOT have coverage effective July 1, 2025.
You will use Paycom for your enrollment during Open Enrollment, and to make changes throughout the year in the case of a qualifying event.
– Log-in to Paycom
– Click on Benefits Enrollment under the Benefits Tab
Review your benefit elections and make sure all the information is correct!
Double check plans you are enrolled in and verify dependent information is correct. Click submit and print an employee benefit summary for your records.
If you experience a qualifying event mid-year you may change your insurance plan elections. If you do not experience a qualifying event, you may not change insurance plans.
A qualifying event is an event that opens a special enrollment period for an employee to make changes to their insurance plans outside of the regular annual open enrollment period. Example of qualifying events include the birth or adoption of a child, marriage, divorce, etc. You have 30 days from the date of the event to notify HR about the qualifying event and make changes.
DASH covers 90% of the cost of your health insurance premiums. You are only responsible for 10% of the cost of premiums.
The following coverage is FREE for all employees:
– Vision insurance
– Short Term Disability
– Basic Life and AD&D
Visit the Benefit Administration section of Paycom to review your benefits. Log on to Paycom and click on the ‘My Benefits’ link under Benefits tab on the Dashboard.
We encourage you to get your family involved with open enrollment. Please feel free to share all relevant information and resources with your dependents. However, only you can enroll in Paycom, and you should print a copy of your Open Enrollment elections for proof of enrollment prior to the deadline of June 2, 2025.
You can call your carrier or see Human Resources. Carrier contact and website information can be found on the last page of the benefit guide booklet. HR Tip: Download your health provider mobile app (UHC or Kaiser) and register online for Vision & Dental with The Standard Insurance to always have access to your insurance cards, health plan information, deductible balances, explanation of benefits (EOB) and more!
You can find a provider online or by calling the insurance customer service number. For your convenience, carrier contact and website information can be found on the last page of the benefit guide booklet.
A premium is the portion that you pay for your health insurance coverage provided by DASH. You pay this amount on a bi-weekly basis via payroll deduction. See your employee pay stub for deduction amounts or go to the Benefit Administration portal in Paycom to review your deduction amounts from each paycheck.
The amount that you owe for covered health services before the insurance company (UHC or Kaiser) begins to pay.
A fixed amount that you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service (i.e. a primary care visit versus a specialist).
Your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service. You pay co-insurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for a hospital visit is $500 and you’ve met your Deductible, your co-insurance payment of 10% would be $50. The health insurance or plan pays the rest of the allowed amount.
You cannot take an FSA with you; if you leave DASH, you forfeit any funds in that account.
The amount in your Health Savings Account is always yours and stays with you even when you change jobs.
Preventive care includes routine wellness exams, screenings, and immunizations intended to prevent or avoid illness or other health problems. Under the Affordable Care Act (ACA), you can get certain preventive health care services covered at 100%, without any cost to you. Examples of preventive care include:
– Annual preventive exam
– Women’s wellness exam
– An annual flu shot
– Other preventive care like colorectal cancer and breast cancer screenings
ADDITIONAL RESOURCES
A benefit presentation will be available via Paycom which contains important information about the DASH benefit offerings for the new plan year.
Email us at DASH-HR@alexandriava.gov with any general questions or concerns that you may have regarding Open Enrollment.
DON’T FORGET…
SET ASIDE TIME TO REVIEW YOUR BENEFITS AND BE SURE TO ENROLL BY JUNE 2, 2025, AT 11:59 p.m. TO HAVE COVERAGE EFFECTIVE JULY 1, 2025.
