Two Consumer Choice Plans through Anthem

For 2025, we’ll offer two Consumer Choice Plans with Anthem: the 2000/4000 Deductible Plan, which is currently offered, and the 4000/8000 Deductible Plan, a new plan with Anthem only.

Compared to the 2000/4000 Deductible Plan, the 4000/8000 Deductible Plan has:

• Lower monthly premium costs

• Higher annual deductible

• More HSA dollars from Conduent ($750 per year for associate-only coverage or $1,500 per year for any level of family coverage)

• The same coinsurance structure (you pay 20% after the deductible)

• The same network of providers and facilities

• The same coverage for medical services and prescriptions  

See your 2025 Benefits Guide for more details.

Plan Design Changes

There will be no plan design changes to the 2000/4000 Consumer Choice Plan, Classic PPO Plan or Limited Coverage Plan for 2025.

Kaiser Permanente Plans

For 2025, Kaiser Permanente will no longer be offered in these regions: Pacific Northwest, Washington state, Colorado, and Mid-Atlantic (Maryland, Washington, D.C., and West Virginia). If you live in one of these regions and are currently enrolled in the Classic PPO or Consumer Choice Plan with Kaiser Permanente, you will be automatically defaulted to the same medical plan administered by Anthem unless you make a change during Annual Enrollment.

Kaiser Permanente will still be available if you live in northern or southern California and Georgia. Visit select.kp.org/conduent for more details on the Kaiser Permanente plan available to you.

Hawaii and Puerto Rico Associates

• Hawaii associates: HMSA will continue to administer your medical plan. Visit hmsa.com for details.

• Puerto Rico associates: Triple-S will continue to administer your medical plan. Learn more at ssspr.com.

Flexible Spending Account (FSAs)

HealthEquity will administer the Flexible Spending Accounts (FSAs) beginning Jan. 1, 2025. Watch for more details about the transition.

You must enroll if you want to participate in an FSA for 2025. FSA elections do not roll over.

• You can contribute up to $3,200 in 2025 for the Health Care FSA.

• The Dependent Care FSA limit remains unchanged at $5,000 ($2,500 if you are married and file separate tax returns).

Dependent Care FSA Limit for HCEs

If you’re considered a highly compensated employee for 2024 and/or 2025, your contribution will be limited to $1,075 for the Dependent Care FSA in 2025.

Health Savings Account (HSA)

The IRS has increased the annual Health Savings Account (HSA) limit in 2025 to $4,300 individual/$8,550 family. This limit includes your contributions and Conduent’s contributions.

• If you are enrolled in the Consumer Choice 2000/4000 Deductible Plan and eligible for HSA contributions, Conduent will continue to contribute $20.85 per paycheck in 2025 if you have associate-only coverage or $41.70 per paycheck for any level of family coverage.

• If you are enrolled in the Consumer Choice 4000/8000 Deductible Plan and eligible for HSA contributions, Conduent will contribute $31.25 per paycheck in 2025 if you have associate-only coverage or $62.50 per paycheck for any level of family coverage.

• You must open an HSA with HealthEquity to make contributions and receive Conduent’s contributions. You will open your HSA on BenefitsWeb during the enrollment process. (If you’re currently enrolled in a Consumer Choice plan and already have an HSA with HealthEquity, you’ll keep using the same account for 2025.)

Life Insurance

Good news — if you elect or increase your life insurance during Annual Enrollment, the Statement of Health (SOH) process will be easier than ever. Just answer 5 questions during the enrollment process.

Legal Plan

MetLife is adding some new services to the legal plan for 2025:

• 10 hours of supplemental coverage for non-covered matters

• Custody (fully covered)

• Enforcement/modification of support orders (fully covered)

• Habeas corpus

• Insurance claims

• Misdemeanor defense

• Probate

• Reproductive assistance

• Social Security disability