11:45 - Health Plan Updates for 2025

In this week's 11:45, Jeremy provided a refresher of what our self-insured health plan consists of, along with changes to company-provided benefits for the upcoming year.

Key Takeaways

Advantages of being self-insured: More control over plan design and costs

• Ability to customize benefits to meet employee needs
• Increased transparency into healthcare spending
• Flexibility to add features like direct primary care memberships

Consumerism matters: Employees play a key role in managing costs

• Asking questions and being curious about treatment options
• Engaging advocates like Sentry Health for referrals and second opinions
• Taking advantage of resources to find high-quality, cost-effective care

Focus on quality primary care: Direct primary care is the foundation

• Emphasis on preventive care and addressing root causes of health issues
• Annual screenings are critical for early detection (e.g. cancer)
• Multiple resources available to support mental health needs

2025 Plan Changes

• Payroll deductions and coinsurance reset to 2021 levels
• Deductible will be waived for items requiring pre-certification when using Sentry Health
• Kimmel will no longer pay for dependent children's direct primary care memberships, but post-tax payroll deductions can be set up help you continue coverage

For more details on the plan changes, please plan to attend one of the small group meetings listed below. Email Matt Cole to confirm your attendance.

All meeting options are in person, JCA Conference Room

• Benefits Group 1 – Thurs 10/31 – 11a to 12p
• Benefits Group 2 – Fri 11/1 – 11a to 12p
• Benefits Group 3 – Fri 11/1 – 1p to 2p
• Benefits Group 4 – Mon 11/4 – 3p to 4p
• Benefits Group 5 – Tues 11/5 – 1p to 2p
• Benefits Group 6 – Tues 11/6 – 3p to 4p
• Benefits Group 7 – Thurs 11/7 – 11a to 12p
• Benefits Group 8 – Thurs 11/7 – 1p to 2p
• Benefits Group 9 – Fri 11/8 – 11a to 12p
• Benefits Group 10 – Fri 11/8 – 1p to 2p
• Benefits Group 11 – Tues 11/12 – 11a to 12p
• Benefits Group 12 – Tues 11/12 – 3:30p to 4:30p