Open Enrollment

Review this page to find out what you need to know and what you need to do during Open Enrollment. Then enroll in your 2025 benefits between November 8 and November 25. After Open Enrollment ends, you can’t change your benefit elections unless you experience a qualifying life event.

As part of our commitment to providing comprehensive, competitive, and financially responsible benefits, we regularly review our benefits program and consider changes that could better support you and your family across the entire spectrum of well-being. Here are the changes we’ll introduce in 2025.

You may enroll in or change your health and income protection benefits in Workday any time of day or night. Look for an enrollment task in your Workday inbox to get started. All changes made to your benefit elections will start on January 1. ​Review the Open Enrollment job aid on the documents page. Reach out to benefits@choc.org to get answers to your enrollment questions.

• 2025 Contribution Rates – You may view the health care coverage rates for 2025 while enrolling in Workday. You may also view the contribution rates on PAWS by navigating to the Human Resources page under the Directory tab.
• Review the 2025 Savings Guide – Learn how to make your health care dollars go farther.
• Office Hours – Attend a group or one-on-one virtual session offered in both English and Spanish to learn more about our benefit plans. Details on times and dates of sessions, QR code to join a Teams meeting or link to book a reservation can be found on the Events Calendar page.
• Open Enrollment FAQ Video: Learn about Open Enrollment basics and what to do between November 8 – 25.
• Open Enrollment Savings Guide Video: Find tips and tricks for maximizing your benefit savings for 2025 during Open Enrollment.

During Open Enrollment, you can enroll in the following benefits for 2025.

Medical

There are no medical plan changes for 2025.

Use this interactive side-by-side plan comparison to compare your 2025 medical plan options.

	HDHP 2000	HDHP 6000	Cigna PPO	Cigna Select Network HMO	Cigna Full Network HMO
HSA features
HSA-eligible	Yes	Yes	No	No	No
CHOC contribution to HSA	$500 for employee-only coverage or $1,000 if you cover dependents	$500 for employee-only coverage or $1,000 if you cover dependents	None	None	None
Annual deductible
In-network	Individual: $2,000 Individual in a family: $3,300 Family: $4,000	Individual: $6,000 Individual in a family: $6,000 Family: $12,000	Individual: $1,000 Individual in a family: N/A Family: $2,000	Individual: $250 Individual in a family: N/A Family: $500	Individual: $500 Individual in a family: N/A Family: $1,000
Out-of-network	Individual: $4,000 Individual in a family: $3,300 Family: $8,000	Individual: $10,000 Individual in a family: $10,000 Family: $20,000	Individual: $1,000 Individual in a family: N/A Family: $2,000	N/A	N/A
Coinsurance
In-network	You pay 20%, plan plays 80%	You pay 30%, plan plays 70%	You pay 20%, plan plays 80%	You pay 20%, plan plays 80%	You pay 20%, plan plays 80%
Out-of-network	You pay 40%, plan pays 60%	You pay 50%, plan pays 50%	You pay 40%, plan pays 60%	N/A	N/A
Annual out-of-pocket maximum
In-network	Individual: $4,000 Individual in a family: N/A Family: $8,000	Individual: $7,500 Individual in a family: $7,500 Family: $15,000	Individual: $4,000 Individual in a family: N/A Family: $8,000	Individual: $1,500 Individual in a family: $3,000	Individual: $1,500 Individual in a Family:$3,000
Out-of-network	Individual: $8,000 Individual in a family: N/A Family: $16,000	Individual: $15,000 Individual in a family: $15,000 Family: $30,000	Individual: $6,000 Individual in a family: N/A Family: $12,000	Individual: $4,000 Individual in a family: N/A Family: $8,000	Individual: $8,000 Individual in a family: N/A Family: $16,000
Health care visits: Your costs
Preventive care	You pay nothing in-network, covered 100%	You pay nothing in-network, covered 100%	You pay nothing in-network, covered 100%	You pay nothing in-network, covered 100%	You pay nothing in-network, covered 100%
Primary care (in-network)	You pay 20% after deductible	You pay 30% after deductible	You pay 20% after deductible	$25 copay*	$30 copay*
Primary care (out-of-network)	You pay 40% after deductible	You pay 50% after deductible	You pay 40% after deductible	N/A	N/A
Specialist (in-network)	You pay 20% after deductible	You pay 30% after deductible	You pay 20% after deductible	$40 copay*	$50 copay*
Specialist (out-of-network)	You pay 40% after deductible	You pay 50% after deductible	You pay 40% after deductible	N/A	N/A
Behavioral health – outpatient (in-network)	You pay 20% after deductible	You pay 30% after deductible	You pay 20% after deductible	$25 copay*	$30 copay*
Behavioral health – outpatient (out-of-network)	You pay 40% after deductible	You pay 50% after deductible	You pay 40% after deductible	N/A	N/A
Telehealth (in-network)	You pay 20% after deductible	You pay 30% after deductible	You pay 20%, after deductible	$25 copay primary care / $40 copay specialist*	$30 copay primary care / $50 copay specialist*
Urgent care (in-network)	You pay 20% after deductible	You pay 30% after deductible	$50 copay*	$50 copay (waived if admitted)*	$50 copay (waived if admitted)*
Urgent care (out-of-network)	You pay 20% after deductible	You pay 30% after deductible	$50 copay*	N/A	N/A
Emergency room (in- and out-of-network)	You pay 20% after deductible	You pay 30% after deductible	$200 copay (waived if admitted)*	$200 copay (waived if admitted)*	$200 copay (waived if admitted)*
Physical, Occupational & Speech Therapy	You pay 20% after deductible	You pay 30% after deductible	You pay 20% after deductible	$25	$30
Chiropractic	You pay 20% after deductible	You pay 30% after deductible	You pay 20% after deductible	$10 (20 visits max per year)	$10 (20 visits max per year)
Prescriptions – 30-day supply at retail pharmacy: Your costs
Generic	$10 copay after deductible	$10 copay after deductible	$15 copay*	$15 copay*	$15 copay*
Brand	$30 copay after deductible	$30 copay after deductible	$30 copay*	$40 copay*	$50 copay*
Non-formulary	$50 copay after deductible	$50 copay after deductible	$45 copay*	$60 copay*	$75 copay*
Specialty	$50 copay after deductible	$50 copay after deductible	$45 copay*	$60 copay*	$75 copay*
Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs
Generic	$20 copay after deductible	$20 copay after deductible	$30 copay*	$40 copay*	$40 copay*
Brand	$60 copay after deductible	$60 copay after deductible	$60 copay*	$115 copay*	$145 copay*
Non-formulary	$100 copay after deductible	$100 copay after deductible	$90 copay*	$175 copay*	$220 copay*
Specialty	N/A	N/A	N/A	$175 copay*	$220 copay*

*Deductible does not apply.

Supplemental Medical

There are no changes for 2025. The following plans are available:

• Accident Insurance
• Critical Illness Insurance
• Hospital Indemnity Insurance

Dental

There are no changes for 2025. The following plans are available:

• DeltaCare HMO
• Delta Dental PPO​​

Vision

There are no changes for 2025. You may choose to enroll in one of the following plans:

• VSP Standard
• VSP Buy-Up

Savings & Spending Accounts

The following accounts are available for 2025:

• Health Savings Account (HSA) – Increased contribution limits for 2025 to $4,300 for associate-only coverage and $8,550 if you cover dependents.
• Health Care and Limited Purpose Flexible Spending Account (FSA) – Increased contribution limits to $3,200 with a $640 carry over.
• Dependent Care FSA – No changes for 2025.

Life Insurance

There are no changes for 2025. In addition to the basic life and accidental death and dismemberment (AD&D) insurance you receive, which is CHOC paid with no enrollment required, you may enroll in:

• Supplemental associate life insurance
• Spouse life insurance
• Child life insurance

Disability Insurance

There are no changes for 2025. You may enroll in short-term disability and long-term disability insurance.

Voluntary Benefits

Consider if you want any voluntary benefits coverage next year:

• MetLife Legal Plan – Covers a wide array of legal services.
• Pet Insurance – Provides coverage to help you cover the costs of veterinary care.