2025 Open Enrollment
MAKE YOUR BENEFIT ELECTIONS BETWEEN
November 4, 2024 - November 15, 2024
Mercury Insurance regularly reviews benefits, programs, and perks for team members so that no matter where you are in your life and career, you will find value in the available benefit options. To help you protect yourself and your family physically and financially, we are pleased to present Mercury's 2025 Benefits Program. Many of these benefits are paid for in whole or in part by Mercury. Other benefits are offered as voluntary options to be paid by you through the convenience of pre-tax and post-tax payroll deductions. This landing page provides information of each of the benefits offered to assist you with understanding your benefits and to help you in making the best decision about your benefits.
Open Enrollment is your opportunity to customize your set of health benefits, and to add or drop eligible dependents from coverage. Any changes you make to your benefits during Open Enrollment will take effect on January 1, 2025.
What Do You Need to Know?
- Mercury Insurance's Open Enrollment is PASSIVE this year. This means, if you do not take any action during Open Enrollment, all your current benefit elections will roll over into the new 2025 Plan Year with the exception of Health Savings Account (HSA) and Flexible Savings Account (FSA) contributions. You must actively re-enroll in HSA and/or FSA, if you wish to continue participating for 2025.
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Beginning November 4, until November 15, 2024, please log in to UKG if you wish to enroll in HSA and/or FSA, make changes to your health benefits, and add or drop eligible dependents from coverage. All changes will become effective January 1, 2025.
- For a high-level description of benefit changes in 2025, please review the "What's Changing in 2025" section below.
- Review your personal information in UKG to confirm all information is updated. Please make any necessary changes.
What Do You Need to Do?
| Monday, November 4, 2024 | Open Enrollment Begins - Log in to your UKG portal and make your benefit elections. |
| Open Enrollment Meeting #1 - CA Team Members | Monday, November 4th 10:00am - 11:00am PST (Virtual) Register to attend the meeting |
| Open Enrollment Meeting #2 - Non-CA Team members | Monday, November 4th 10:00am - 11:00am CST (Virtual) Register to attend the meeting |
| Friday, November 15, 2024 | Open Enrollment Ends - Make sure to SUBMIT your elections. |
- Blue Shield Mandated Change – High Deductible Health Plan (HDHP) deductible increases.
- Saver HDHP: Deductible increase from $1,600 to $1,650 (individual) and from $3,200 to $3,300 (family)
- Super Saver HDHP: Individual deductible increase from $3,200 to $3,300.
- Blue Shield – Amazon Pharmacy will replace CVS Caremark Mail Service Pharmacy for Tier 1-3 eligible medications as the new prescription home delivery service. This change means a smoother, digital-first experience. Blue Shield members currently receiving prescriptions via mail will be provided information on how to seamlessly transfer this service to Amazon Pharmacy. Blue Shield members will receive new ID cards with updated pharmacy details, accompanied by instructions to bring their new ID card to the pharmacy at their next visit. Updated ID cards can be accessed through the member's online myblueshield account and via the Blue Shield mobile app. Below is a summary of the enhancements taking place.
- These enhancements are summarized in this short video.
- Retail Pharmacy Network - Members will continue to have access to our expansive network, which includes all major retail chains (Walgreens, CVS, Target, Safeway, Vons, Costco) and local pharmacies
- Mail Order Prescription Delivery
- Amazon Pharmacy home delivery begins 1/1/2025.
- Active members with CVS Caremark Mail Services will be notified of the transition to Amazon Pharmacy starting October 2024.
- Members will have phone access to pharmacists 24/7 through Amazon Pharmacy.
- Formulary
- No formulary changes specific to Pharmacy Care Reimagined.
- Formulary changes are made routinely based on the latest medical literature, clinical guidelines, and information from the Food and Drug Administration.
- Filling Presciptions - No disruptions to current prescriptions, refills, or prior authorizations (other than mail order, as noted above).
- Customer Service - No changes to customer support; any direct pharmacy questions should still go to local retailers or Amazon Pharmacy for mail order concerns.
- Specialty Network - CVS Caremark Rx Services will continue to provide specialty pharmacy services.
- Kaiser HMO – Adding coverage for Acupuncture/Chiropractic. $25/visit, up to a combined total of 30 visits per 12 month period.
- Health Savings Account – Contributions limits have increased to $4,300 for individual coverage and $8,550 for family coverage. Individuals who are 55 or older can contribute an additional $1,000 as a catch-up contribution.
- MetLife Legal – We are adding 20 hours of contested or uncontested divorce support.
- Carrier Change! – Mercury’s diabetes support program will be changing from Virta to Blue Shield and Kaiser direct programs.
- Carrier Change! – Mercury’s Voluntary Benefits (Accident, Critical Illness, and Hospital Indemnity) are moving from Cigna to New York Life (NYL).
- Voluntary Plan Changes
- Accident Insurance: Now covers accidents related to organized sports.
- Critical Illness Insurance: If you elect coverage for your Spouse and Children, their policy will be 100% of your elected coverage. Enhancing the plan to include coverage for all reoccurring conditions, and Diabetes (type 1).
- Hospital Indemnity Insurance: Now includes coverage for maternity, mental/nervous and substance abuse. Enhancements to coverage include newborn/healthy baby confinement and rehabilitation facility unit confinement.
We are recording the live OE Webinar's for those that were unable to attend.
- OE Webinar Recording (CA) - Available Friday, November 8, 2024
- OE Webinar Recording (All Other States) - Available Friday, November 8, 2024
- 2025 Benefits Overview
- Mercury Benefits Service Team (Newfront Answers)
- Open Enrollment Frequently Asked Questions
Blue Shield - Medical
- Blue Shield HMO (CA Employees Only)
- Blue Shield HMO Trio (CA Employees Only)
- Blue Shield EPO (Non-CA Employees Only)
- Blue Shield Saver HSA Plan
- Blue Shield Super Saver HSA Plan
- Resources
- Blue Shield Microsite
- 2025 Enrollment Guide - CA Employees
- 2025 Enrollment Guide - All Other States except CA
- Amazon Pharmacy Flyer
- Amazon Pharmacy Easy Sign-Up Guide
- Find a Provider
- Click here to schedule a 1:1 virtual meeting with a Blue Shield Representative to review your plan choices and answer questions during Open Enrollment.
- Should I choose a HDHP?
- Blue Shield Trio Network Guide
- HMO v. HMO Trio Network Comparison
Kaiser CA - Medical
- Kaiser Deductible HMO
- Resources
- Kaiser Microsite
- 2025 Enrollment Toolkit
- Speak with an Enrollment Specialist
- Understand your Costs
- Cost Estimator (General estimate of what you may be asked to pay for the services you expect to receive)
- Find a Provider
Kaiser HI - Medical
- Kaiser Hawaii HMO (HI Employees Only)
- Resources
Delta Dental - Dental
- Delta Dental PPO
- DeltaCare DHMO
- Resources
VSP - Vision
- VSP Vision
- Resources
New York Life - Life and Disability
- Basic Life and AD&D
- Supplemental Life and AD&D
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Resources
New York Life - Voluntary Plans
- Critical Illness Insurance
- Accident Insurance
- Hospital Indemnity Insurance
- Resources
Health Equity - Health Savings Account (HSA)
- Resources
Inspira Financial - Flexible Spending Accounts (FSA)
Well Being Programs and Resources
- MyHealth
- Lyra - Employee Assistance Program (EAP)
- New York Life - Employee Assistance Program
- ACI - Work/Life Services
MetLife - Legal Plan
Nationwide - Pet Insurance
- Pet Insurance
Retirement and Financial Wellness
- 401(k)
- Pre Login Site (Find articles, videos and guides designed to educate you on important decisions regarding your 401(k) for 2025)
- 529 College Savings Plan
- Financial Wellness Program
| Plan Names | 2024 | 2025 |
| Healthcare Flexible Spending Account (FSA) |
$3,200 | $3,300 |
| Dependent Care Flexible Spending Account (FSA) |
$5,000 | $5,000 |
| Health Savings Account (HSA) | Individual: $4,150 Family: $8,300 |
Individual: $4,300 Family: $8,550 |
California
| Medical Coverage (Pre-Tax; Monthly) |
Blue Shield PPO $aver/ HSA Plan | Blue Shield PPO Super $aver/ HSA Plan | Blue Shield HMO Plan | Blue Shield Trio HMO Plan | Kaiser Deductible HMO |
|---|---|---|---|---|---|
| Team Member Only | $230.00 | $104.00 | $260.00 | $104.00 | $220.00 |
| Team Member + Spouse/Registered Domestic Partner | $500.00 | $390.00 | $570.00 | $360.00 | $500.00 |
| Team Member + Child(ren) | $450.00 | $350.00 | $510.00 | $330.00 | $450.00 |
| Family* | $1,000.00 | $770.00 | $970.00 | $700.00 | $850.00 |
| Dental Coverage (Pre-Tax; Monthly) | DeltaCare USA DHMO | Delta Dental PPO |
|---|---|---|
| Team Member Only | $0.00 | $15.00 |
| Team Member + Spouse/Registered Domestic Partner | $17.00 | $60.00 |
| Team Member + Child(ren) | $15.00 | $50.00 |
| Family* | $32.00 | $105.00 |
| Vision Coverage (Pre-Tax; Monthly) | VSP Base | VSP Premier |
|---|---|---|
| Team Member Only | $6.00 | $9.00 |
| Team Member + Spouse/Registered Domestic Partner | $15.00 | $22.00 |
| Team Member + Child(ren) | $13.00 | $20.00 |
| Family* | $21.00 | $30.00 |
All States Other Than California
| Medical Coverage (Pre-Tax; Monthly) |
Blue Shield PPO $aver/ HSA Plan | Blue Shield PPO Super $aver/ HSA Plan | Blue Shield EPO Plan | Kaiser HI HMO |
|---|---|---|---|---|
| Team Member Only | $230.00 | $104.00 | $270.00 | $100.00 |
| Team Member + Spouse/Registered Domestic Partner | $500.00 | $390.00 | $580.00 | $509.00 |
| Team Member + Child(ren) | $450.00 | $350.00 | $520.00 | $457.00 |
| Family* | $1,000.00 | $770.00 | $980.00 | $872.00 |
| Dental Coverage (Pre-Tax; Monthly) | DeltaCare USA DHMO | Delta Dental PPO |
|---|---|---|
| Team Member Only | $0.00 | $15.00 |
| Team Member + Spouse/Registered Domestic Partner | $17.00 | $60.00 |
| Team Member + Child(ren) | $15.00 | $50.00 |
| Family* | $32.00 | $105.00 |
| Vision Coverage (Pre-Tax; Monthly) | VSP Base | VSP Premier |
|---|---|---|
| Team Member Only | $6.00 | $9.00 |
| Team Member + Spouse/Registered Domestic Partner | $15.00 | $22.00 |
| Team Member + Child(ren) | $13.00 | $20.00 |
| Family* | $21.00 | $30.00 |
Questions?
We have support resources to help you through the decision-making process, address questions about the benefits, and anything else related to your Open Enrollment or the 2025 Benefits Program.
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Mercury's Benefits Service Team
(Newfront Answers)
Phone: (866) 209-4866
Hours: 24/7, 365 days a year
Email: mercury@answers.newfront.com
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Mercury's Internal Benefits Team