Open Enrollment for 2025 Has Ended
October 7 - November 7, 2024, 6:00 pm (CST)
Important Dates to Remember
- December 27, 2024 - Changes to health and dental insurance deductions are reflected on pay warrants.
- January 1, 2025 - Benefit elections made during this Open Enrollment period are effective.
- January 6, 2025 - The Evidence of Insurability (EOI) for basic and additional supplemental life insurance you elect during the Open Enrollment period must be on file with The Standard.
- January 10, 2025 - FSA elections will be deducted starting on the pay warrant issued that day.
IMPORTANT INFORMATION
Please read this information carefully
The Open Enrollment period is your only opportunity to review your current State of Iowa benefit coverage and make changes for 2025 (unless you have a qualified life event in 2025).
Contact your Human Resources Associate (HRA) with any questions.
HRExpress
The October 2024 issue of HRExpress is dedicated solely to this year’s Open Enrollment period. This valuable resource contains information that you need to know during this open enrollment period and provides step-by-step decision making guides to help you along the way.
Workday Resources
Forms
Premium Conversion Election form (Only complete if you want to make a change)
Please review all benefit information carefully. If you have questions, contact your Human Resource Associate (HRA).
Benefit Highlights
- The Open Enrollment period is your only opportunity to review your current State of Iowa benefit coverage and make changes for 2025 (unless you have a qualified life event in 2025.)
- Health and Dental Enrollment for 2025 - If you do not make any changes to your health and/or dental insurance during this Open Enrollment period, your 2024 options and coverage level (single or family) for health and/or dental will automatically remain the same in 2025. Please note, this is NOT an open dental enrollment for SPOC-covered employees.
- A new dental plan feature has been added for 2025 (excluding SPOC-covered employees.) Check-Up Plus will promote preventive care and save on costs over the long term, with diagnostic and preventive services not counting toward your annual benefit maximum. This program is provided at no additional cost to you and is automatically provided as part of your dental coverage.
- Flexible Spending Account Notice - To participate in the Health Flexible Spending Account (FSA) or the Dependent Care FSA, or both, employees must enroll each year. The maximum Health FSA contribution for 2025 is $3,200, and the maximum Dependent Care FSA contribution remains at $5,000.
- Domestic Partners - All employees covering a domestic partner will be contacted by their HRA to complete a new declaration before October 25, 2024. If you need to add a Domestic Partner, please contact your HRA.
- Disabled Dependents - All employees covering a disabled dependent over the age of 26 will be contacted by their HRA to complete a new certification before October 25, 2024. If you need to add a disabled dependent, please contact your HRA.
- Full-time Students - All employees covering a full-time student over the age of 26 will be contacted by their HRA to complete a new certification before October 25, 2024. If you need to add a full-time student, please contact your HRA.
- Save for later - Open Enrollment takes place in Workday. If you start the process and decide to take a break, be sure to choose “Save for Later” to save your work. When you do this, you MUST go back and finish your enrollment before the deadline date. Your final enrollment selections will not be processed unless you finish the process and select the “Review and Sign” section. No enrollments will be accepted after the deadline date.
The vision insurance program is administered by World Insurance. Enrollment is NOT done in the Workday system. Open Enrollment for vision will take place in January and February of 2025, with elections taking effect on April 1, 2025. Additional information will be shared in December.
Benefit | Action |
|---|---|
| If you do nothing, 2024 elections will automatically remain the same in 2025. | |
| Flexible Spending Account | You must enroll each year in Workday.
|
| Opt-Out of Health Insurance | If you elected the health insurance opt-out in 2024 and want to continue the opt-out option in 2025, the election will roll over into 2025. If you want to opt out beginning in 2025, you will need to do so in Workday. |
| Domestic Partner | All employees covering a domestic partner will be contacted by their HRA to complete a new declaration before October 25, 2024. If you need to add a Domestic Partner, please contact your HRA. |
| All employees covering a disabled dependent will be contacted by their HRA to complete a new certification before October 25, 2024. If you need to add a disabled dependent, please contact your HRA. |
| Full Time Student | All employees covering a full-time student over the age of 26 will be contacted by their HRA to complete a new certification before October 25, 2024. If you need to add a full-time student, please contact your HRA. |
Benefit Elections
ACTION IS NEEDED IN WORKDAY DURING THE 2025 OPEN ENROLLMENT PERIOD IF ANY OF THE FOLLOWING APPLY TO YOUR SITUATION:
Health Insurance
- Enroll, change, or cancel your health insurance plan.
- Change your coverage level.
- Add or remove eligible family members.
- Elect the health insurance opt-out.
- Decline coverage if no health coverage is needed
Dental Insurance
- Enroll in dental insurance.
- Cancel your dental insurance.
- Change your coverage level.
- Add or remove eligible family members.
- Decline coverage if no dental coverage is needed
This is not a dental open enrollment for SPOC-covered employees.
Flexible Spending Accounts
- Enroll in the Health Flexible Spending Account and elect up to a maximum of $3,200 in 2025
- Enroll in the Dependent Care Flexible Spending Account and elect up to $5,000 if married and filing a joint tax return, or $2,500 if married and filing a separate tax return for 2025
Basic and Supplemental Life Insurance
- Enroll in Basic, if not currently enrolled. (EOI required)
- Increase the amount of supplemental life insurance, up to the maximum amount available. (EOI required)
- Submit the EOI for basic or additional supplemental life insurance. It must be on file with The Standard by Monday, January 6, 2025. This only applies if you have made a change.
- Decrease the amount of your supplemental life insurance election
- Cancel your supplemental life insurance
Premium Conversion
- Change whether the premiums for health, dental, and supplemental life insurance are taken pre-tax (before federal, state, and FICA tax) or post-tax (after federal, state, and FICA tax).
Contact your Human Resources Associate (HRA) with any questions.