Choose or Change Your Benefits for 2025
Open Enrollment:
Nov. 8 to Dec. 6, 2024
Open Enrollment is your once-a-year opportunity to:
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Enroll in or change benefits: Open enrollment is your opportunity to enroll your spouse and/or eligible children in your healthcare plans. After open enrollment, you can only change your benefits if you have a qualifying status change, such as birth or marriage.
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Enroll (or re-enroll) in the Health Care FSA and Dependent Care FSA: Your Flexible Spending Account (FSA) contributions expire every year on Dec. 31. If you wish to continue contributing, you must re-enroll during open enrollment.
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Review your family, health and income situation and consider if you should switch medical plans or purchase more life insurance, additional long-term care coverage, or the 66 2/3% long-term disability buy-up. You can also drop any voluntary benefits you no longer need.
New: Tiered Rates for Healthcare Benefits
Beginning Jan. 1, 2025, Chelan County PUD will transition from composite rates to tiered rates for all healthcare plans.
Composite rates are averaged rates, meaning all employees pay the same amount regardless of the number of dependents covered.
Tiered rates are based on which dependents the employee covers under the healthcare plan: employee only, employee + spouse, employee + children and employee + family.
PPO plan rates will vary by tier, while CDHP rates will remain $0 cost
for all tiers.
At the start of open enrollment, you will be automatically enrolled in your
current plan and rate tier based on the type and number of eligible dependents you covered in 2024.
During open enrollment, you can log on to PeopleSoft and change your medical plan and/or coverage tier. Be sure to complete your enrollment by clicking SUBMIT ENROLLMENT or the change will not take effect.
2025 Healthcare Plan Tiered Rates
If you are selecting a PPO plan, review the table below to choose the option that best meets your healthcare coverage needs.
Why Tiered Rates?
Flexible and tailored:
Employees may now select plans that better fit their needs and budget. Rates will be based on specific coverage levels, rather than a one-size-fits-all approach, making it more personalized.
More equitable and transparent: Tiered rates help Chelan PUD better align costs with actual usage and make it easier to communicate the value of our competitive benefits.
PPO Plan | Medical | Dental | Total per Paycheck | Paycheck Savings | Annual Cost* | Annual Savings | CDHP |
|---|---|---|---|---|---|---|---|
2024 Rates | $70.17 | $4.12 | $74.29 | — | $1,931.54 | — | — |
2025 Tiers and Rates: | 2025 | ||||||
Employee Only | $29.58 | $1.74 | $31.32 | $42.97 | $814.32 | $1,117.22 | $0 |
Employee + Spouse | $62.13 | $3.64 | $65.77 | $8.52 | $1,710.02 | $221.52 | $0 |
Employee + Children | $56.22 | $3.30 | $59.52 | $14.77 | $1,547.52 | $384.02 | $0 |
Employee + Family | $88.76 | $5.20 | $93.96 | -$19.67 | $2,442.96 | -$511.42 | $0 |
*26 pay periods per year.
Keep in mind:
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All benefit-eligible employees will continue to receive a $200 per month HRA VEBA contribution.
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Employees enrolled in the CDHP will continue to receive an additional $1,250 annual HRA VEBA contribution.