November 3 – 14, 2025
Open Enrollment is your once-a-year opportunity to enroll in or make changes to your benefits coverage without a qualifying event.
During Open Enrollment, you can:
Yes, Open Enrollment is active for Medical and Dental coverage this year. This means your current Medical and Dental coverage will not roll over into 2026. In addition, FSA and HSA contributions must be elected each year you wish to participate. You must actively enroll in these benefits for 2026.
Credence Blue Cross and Blue Shield is our new Medical carrier with two new plan options to choose from: the Renovo HDHP or the Renovo PPO plan. Compare your new 2026 Medical plan options and rates in the dropdown below. If you do not elect Medical coverage during Open Enrollment, you will not have medical benefits for the 2026 plan year.
| Plan Features | BCBS HDHP | BCBS PPO | ||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible Individual/Family |
$2,500 / $5,000 | $5,000 / $10,000 | $1,250 / $2,500 | $2,500 / $5,000 |
| Annual Out-of-Pocket Maximum Individual/Family |
$5,500 / $11,000 | $11,000 / $23,000 | $6,000 / $12,000 | $12,000 / $24,000 |
| Renovo Annual HSA Contribution Individual/Family |
$500 / $1,000 | N/A | ||
| You pay: | You pay: | |||
| Preventive Care Visit | Covered in full | 40% after deductible | Covered in full | 40% after deductible |
| Telemedicine/Virtual Care (FirstStop) Medical & Behavioral Health |
Covered in full | Not covered | Covered in full | Not covered |
| Primary Care Visit | 20% after deductible | 40% after deductible | $25 | 40% after deductible |
| Specialist Visit | 20% after deductible | 40% after deductible | $25 | 40% after deductible |
| Lab & X-ray | 20% after deductible | 40% after deductible | Covered in full | 40% after deductible |
| Urgent Care | 20% after deductible | 40% after deductible | $50 | 40% after deductible |
| Emergency Room | 20% after deductible | $300 (waived if admitted), then 20% after deductible |
||
| Inpatient & Outpatient Hospital Services | 20% after deductible | 40% after deductible | 20% after deductible | 40% after deductible |
| Chiropractic (25 visits per year) |
20% after deductible | 40% after deductible | $25 | 40% after deductible |
| Retail Prescription Drugs (up to a 30-day supply) | ||||
| Generic | 20% after deductible | Not covered | $10 | Not covered |
| Preferred Brand | 20% after deductible | $50 | ||
| Non-Preferred Brand | 20% after deductible | $100 | ||
| Specialty | 20% after deductible | 20% ($250 max) | ||
| Mail Order Prescription Drugs (up to a 90-day supply) | ||||
| Generic | 20% after deductible | Not covered | $20 | Not covered |
| Preferred Brand | 20% after deductible | $100 | ||
| Non-Preferred Brand | 20% after deductible | $200 | ||
Your bi-weekly payroll deductions for medical, dental, and vision are shown here.
| Benefit Tier | Renovo HDHP Standard |
Renovo HDHP +15% Medical Premium Discount |
Renovo PPO Standard |
Renovo PPO +15% Medical Premium Discount |
|---|---|---|---|---|
| Employee Only | $54.92 | $46.68 | $164.42 | $139.76 |
| Employee + Spouse | $168.14 | $142.92 | $346.47 | $294.50 |
| Employee + Child(ren) | $205.73 | $174.87 | $358.22 | $304.49 |
| Employee + Family | $295.67 | $251.32 | $648.31 | $551.07 |
| Benefit Tier | BCBS Dental Core |
BCBS Dental Buy-Up |
EyeMed Vision Core |
EyeMed Vision Buy-Up |
|---|---|---|---|---|
| Employee Only | $10.45 | $15.33 | $2.23 | $3.95 |
| Employee + Spouse | $20.75 | $30.46 | $4.25 | $7.50 |
| Employee + Child(ren) | $22.31 | $36.00 | $4.47 | $7.89 |
| Employee + Family | $34.81 | $54.97 | $6.57 | $11.60 |
Credence Blue Cross and Blue Shield is our new Dental carrier using the Access Plus Dental network. Coverage levels are the same, though your provider network may change. Visit credenceblue.com and click Find a Doctor, then Dentist, enter your zip code or city/state, and select Access Plus Dental to see if your dentist is in-network or to find a provider near you. If you do not elect Dental coverage during Open Enrollment, you will not have dental benefits for the 2026 plan year.
HealthEquity will be our new HSA & FSA administrator for 2026. If you want to contribute to these plans in 2026, you must actively enroll during Open Enrollment.
2026 IRS annual contributions maximums:
Please note, the Limited Purpose FSA will no longer be offered in 2026.
Starting January 1, Renovo HR and Payroll Services will replace MyLife Advisors as your benefits support team. You will continue to use MyLife Advisors and ADP during Open Enrollment and through the end of 2025. We’ll share more details, including contact info, closer to launch.
Call ADP MyLife Advisors at 855‑547‑8508 (weekdays, 8:00 a.m. – 11:30 p.m. ET).
You can enroll online 24/7. Need help enrolling? Watch this video.
Download the ADP app and register. If you’re already registered, log in and make your selections.
Stay tuned for additional plan details.
Find real people, ready to help.
(Weekdays, 8:00 a.m. – 11:30 p.m. ET)
MyLifeAdvisor@adp.com
Download the ADP Mobile app