2025–2026 Annual Enrollment

The Green Plan remains eligible for tax-free contributions to a Health Savings Account (HSA). The Green Plan deductible will be:

Across the U.S., health care continues to get more expensive, and the same is true here at Children's Mercy. Premiums for the Gold, Blue and Green medical plans will increase, in line with national trends. Higher costs are attributed to factors such as increased use of the medical and prescription drug plan by team members and dependents, higher medical and pharmacy prices and an increase in chronic illnesses.

We're committed to keeping costs as low as possible while providing comprehensive coverage, and Children's Mercy is sharing the cost increase with you. We continue to pay 80% of the premium cost on average, and we subsidize an average of 85% of the premium for employee-only coverage.

Dental and vision plan premiums will stay the same.

We all play a role in managing our costs and can actively keep costs down by taking simple steps, such as ensuring the coverage we elect is appropriate for our anticipated needs, completing our well visits annually, getting preventive screenings and immunizations, establishing a primary care physician and actively participating in the Take CARE Wellbeing program.

2025-2026 Medical Plan Premiums 

The table above is for full-time, part-time benefits-eligible and weekend option employees (48 to 80 hours per pay period, or 0.6 and above FTE). Part-time employees scheduled to work between 32 and 47 hours each pay period pay the total cost for coverage under a Children’s Mercy medical plan.

You’ll have access to a larger network of providers, giving you greater flexibility when choosing your dental care. To ensure you’re getting the best possible discounts, check MetLife's website to confirm that your provider is in-network. This will help you maximize your benefits and lower your out-of-pocket costs. Effective July 1, 2025, Children's Mercy will use MetLife's PDP Plus network.

In 2025, you can contribute up to the annual IRS maximum – $4,300 if you cover yourself only and $8,550 if you cover dependents. This includes Children’s Mercy’s HSA contributions and your wellbeing dollars. If you’re age 55 or older, you can contribute an extra $1,000. Your contributions will be withheld from the first two paychecks of each month (24 pay periods).

In 2025, you can contribute up to the annual IRS maximum – $3,300.

We are pleased to offer two new benefit options – hospital indemnity insurance and term life insurance with long-term care benefits.

Hospital indemnity insurance pays a lump-sum, cash benefit when you need to go to the hospital and can be ideal for labor and delivery or other planned hospitalizations. You can spend the benefit to cover medical costs, child care, pregnancy-related expenses and any other living expenses. Coverage is administered by Securian.

You can elect to purchase coverage for you, your spouse and/or your children. Here are some common hospitalization services and the cash benefit associated:

• Hospital admission: Up to $1,500 for the initial hospital stay
• Daily hospital limit: Up to $150 for up to 30 days
• Additional coverage, such as for mental illness, substance use, etc.

This coverage also includes Benefit Bump – the “easy button” to help growing families navigate their benefits, time off and wellbeing.

Review the hospital indemnity insurance overview and certificate of insurance for more details.

Term life insurance with long-term care benefits is a new life insurance option with benefits for long-term care expenses. Long-term care benefits help protect your retirement savings, ease the burden of caregiving by your loved ones, and allow you to choose the setting in which you receive care. Coverage is provided by Trustmark.

As life insurance, this benefit protects your family with money they can use as they like. For example, they can use it to pay the mortgage or rent, education for children or grandchildren, retirement expenses, family debt or however your family members choose. It also provides benefits while you are living if you need home health care, assisted living or nursing care.

During annual enrollment only, you have the opportunity to elect up to $150,000 (eligible up to age 70) of coverage for yourself without answering any medical questions. If you elect coverage for yourself, you can also elect up to $30,000 for your spouse with only one medical question. Optional child coverage of $10,000 is available as well. For more information about term life insurance or to enroll, call (855) 313-3980.

You have access to enhanced critical illness and accident insurance benefits designed to contribute to your overall wellbeing and financial security. With our new vendor, Securian, these benefits offer broader coverage and, in most cases, lower costs.

These benefits provide flexibility to tailor your benefits package to meet your and your family’s unique needs. By enrolling in these valuable offerings, you have extra protection against unexpected events and expenses.

Learn more.

Progyny is a new benefit that supports fertility, family building and women's reproductive health, including menopause and midlife care. It includes concierge support from a dedicated care team, access to care from expert providers, and exclusive resources in the Progyny app. Stay tuned for more details beginning July 1!

New in 2025 – FEDlogic Advocacy, a service that helps you understand, evaluate and enroll in federal and state health care benefit programs, including Medicare and beyond. Here are a few examples of how FEDlogic services may be helpful to you:

• You'd like to explore health care coverage options available outside of what we offer at Children's Mercy, including Medicare and the healthcare marketplace.
• You are approaching retirement age and want to learn more about available government programs.
• You have family members who have been diagnosed with a major ailment and need to understand coverage options.
• You are widowed and would like to begin collecting your and your widow's benefits.

In addition, you can receive guidance to understand your eligibility and maximize your benefits, especially during challenging times like terminal illness, disability or major medical events. The service works on your behalf to ensure you get the right coverage and care, making it easier for you to manage the complex health care system. Contact Fedlogic any time at (877) 837-4196. Team member access code: tcmh25.

SupportLinc will replace ComPsych as your Employee Assistance Program provider effective July 1. SupportLinc offers confidential guidance for all facets of your wellbeing, including:

• Support from licensed clinicians 24/7/365.
• Counseling for short-term concerns.
• Expertise from licensed financial counselors.
• Resources for child and elder care, home repair, housing needs, education, pet care, and more.
• Legal consultation from attorneys in your area.
  

Stay tuned for more details beginning July 1. In the meantime, check out SupportLinc's coming soon flyer!

Cigna will not issue new ID cards for the July 1 benefit year, so now’s the time to get familiar with your digital options. From the Cigna website and the myCigna mobile app, you can download and share your cards via email, print them, download them to your Apple Wallet, upload them to your provider’s portal or show them to the office staff.

This guide is a year-round resource for benefits information for both you and your family members. Please bookmark its new address: mycmbenefits.com.