LiUNA Bargaining Unit Enrollment

Benefits Enrollment Is October 16–31, 2024

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What’s New for 2025

Johns Hopkins offers comprehensive and competitive benefits to support your life inside and outside of work. You’ll have the same selection of plans and programs that you did for 2024, with a choice of medical plans (including prescription drug coverage), a choice of dental plans and vision coverage.

Annual enrollment is your once-a-year opportunity* to not only elect your benefits for the coming year but to also explore all the amazing resources you may be missing out on. That includes all the great well-being programs and resources, financial security benefits, and other offerings available year-round to you and your family members.

*Exception to the once-a-year rule: Planning to get married, welcome a baby, or switch jobs next year? These are all “qualifying life events,” and you can make the related benefit changes anytime you experience these events. Be sure to notify the benefits team within 30 days following the date of the event to make changes to your benefits.

Here’s a quick overview of what’s new and changing.

In 2025, JHU will be adding:

Johns Hopkins Outpatient Pharmacy (JHOP)

Available as an alternative to Optum Home Delivery for mail-order and prescription services, Johns Hopkins Outpatient Pharmacy (JHOP) offers a full inventory of standard, specialty, and over-the-counter medications, as well as the convenience of discharge medication processing. You’ll be able to fill your 90-day supply of maintenance medications through one of its outpatient pharmacies or use their mail-order services.

Hospital indemnity insurance

Hospital indemnity insurance is designed to help you if you need to stay in a hospital due to an injury, sickness, or childbirth. If you’re admitted to a hospital or similar facility for 20 hours or more, you will receive a one-time payment to help cover your expenses.

What’s changing:

Backup child and elder care will be provided by Bright Horizons

Beginning January 1, 2025, JHU’s backup care provider will be Bright Horizons, the largest provider of backup child and elder care services in the country. No matter how well you plan, surprises can happen and your care plans might need to change. Bright Horizons offers a dependable network of care providers you can trust. All employees will have access to 10 days of backup care per year at a reduced rate that’s based on your salary. Whether your care plans fall through at the last minute, or you know you’ll need coverage ahead of time, you can access Bright Horizons’ center-based or in-home care providers, camps for school-age children, and more. Care.com will continue to provide backup care through December 31, 2024, so be sure to use all 10 of your days before the end of the year. Stay tuned for more information regarding this transition, including a live demo webinar.

Critical illness and accident insurance benefits will be offered by Lincoln Financial

Starting November 1, 2024, JHU’s critical illness and accident insurance benefits will be offered through Lincoln Financial and administered for JHU by Mercer Voluntary Benefits. Previously, these voluntary benefits were offered by MetLife. Policies can be purchased for you, your spouse or domestic partner, and your dependent children.

If you’re currently enrolled in either of these benefits, your policy will be moved to Lincoln Financial automatically. (No action is required.)

Critical illness insurance coverage pays out a lump sum of $10,000, $15,000 or $20,000 in the event of a serious condition, such as cancer, heart attack, stroke, or Alzheimer’s disease, among other conditions. Accident insurance can offset expenses, such as emergency room fees, deductibles, and copays related to injuries suffered in a fall, while playing sports, or other types of accidents.

Slight cost increases to medical and dental premiums

In terms of medical, dental, and vision insurance plan options, you’ll have the same selection of plans that you did for 2024, at 2025 costs. Monthly paycheck contributions for medical and dental premiums will go up by 3%, while deductibles, copays, and limits will remain the same.

These cost increases are lower than national trends. According to benefits survey data, employers are facing the largest increase in 15 years with expected increases around 8-9%. Increased costs of medical care, inflation, continued shortage of health care workers, expensive specialty medications and the demand for GLP-1s for weight loss are driving the unprecedented increase.

We recognize that rising health care costs are a concern, both to you and JHU. JHU will continue to absorb a large share of the increase, covering an average of 75% of your total premiums, helping to reduce the impact on you and your family while providing valuable benefits.

Explore Your JHU Benefits

Review the information below to learn about the changes next year and how your benefits work.

Health Plans Spending Accounts Financial Benefits More Well-Being Options

Enroll

Here are resources to help you make your enrollment choices, steps you need to take to prepare, and information on how to enroll for your 2025 JHU benefits.

Enrollment Resources Prepare to Enroll Enroll Now

Enrollment Resources

Use these tools and resources that JHU provides to help you select your benefits.

Compare medical plan options
Review the 2025 LiUNA Bargaining Unit Enrollment Guide.
Questions about your CareFirst medical benefits? Contact Quantum Health at 844-460-2801 with questions about your benefits and coverage options. (Quantum Health is not available to Kaiser HMO members.)
Attend a mandatory town hall webinar. Hear from the Benefits team, and get answers to all your questions at a virtual town hall meeting. View the schedule, and mark your calendar to attend.
Read the most recent HR NewsWire. Learn about your benefits, and access tips and tricks to make the most of them.
Access annual notices. Legal notices are provided to inform you of your rights under federal law. For details, visit the Legal Notices page.

Prepare to Enroll

There are very few changes to our benefits for 2025. This offers a perfect opportunity to spend a little time exploring your options and using the tools and resources below to make thoughtful, informed decisions for you and your family.

Think about your health care experience in 2024, for instance:

How many office visits and prescriptions did you need?
Did you meet your deductible or pay for coverage you didn’t use?
Did you spend more than you needed to on out-of-network providers?

Then consider your needs for next year. Will they be more, less, about the same? Any planned procedures or a pregnancy on the horizon?

Remember, you must take action if you want to:

Select a different medical plan
Contribute to a Flexible Spending Account (FSA)*
Take advantage of JHU’s child care voucher or scholarship programs
Add or remove a dependent
Increase your life insurance coverage

If you don’t actively enroll, you’ll have the same benefits next year that you have now, at 2025 rates.

*Unless you enroll, contributions to the Flexible Spending Accounts (FSAs) will be set to $0, and because of IRS rules, you won’t be able to contribute to an FSA for all of 2025.

Enroll Now

When you’re ready, just follow these steps to enroll between October 16 and October 31:

Have the following handy:

Your JHED ID
Social Security numbers and birthdates for your dependents (if applicable)
Documents to verify your relationship to family members covered under your plan, such as your child’s birth certificate or marriage certificate (if not already on file)
Names and birthdates of your beneficiaries

Complete the enrollment form, mailed to you with your Enrollment Guide, and return it to the Benefits Service Center.

Visit myChoices Health & Life benefits portal, and click the Enroll Now! button to get started.
Confirm that your Health and Welfare elections, personal information, and beneficiaries are correct.
Click the I Accept button to verify your elections for 2025.
Once you’ve enrolled, print a copy of your confirmation statement for your records.

Questions about enrolling?

Contact the Benefits Service Center by emailing [email protected] or calling 410-516-2000.

Engage

If you enroll in either of the CareFirst medical plan options, Quantum Health is your full-time health care benefits resource and advocate. Quantum Health can answer questions about your health benefits during annual enrollment and can help you make the most of your JHU medical and prescription benefits all year long. No need to deal with multiple entities or websites. Everything can be addressed by calling Quantum Health or accessing the member portal.

Quantum Health offers live, personalized support that can save you time and maybe save you some out-of-pocket expenses.

Learn more about all the ways Quantum Health’s team of experts can help you. Also, read what your colleagues are saying about their experiences using this service.

Contact Quantum Health at 844-460-2801 or online at jhu.quantum-health.com.

Did you know?

Quantum Health is the industry’s most experienced and proven health care navigation company, known for their award-winning member engagement.