Decision Support Tools

Here are the top 5 things you should understand before you enroll:

1. Each medical plan is changing some – but not a lot. You’ll continue to have four (4) familiar Anthem BCBS plan options and rates are staying the same. Annual limits and how certain services are covered are changing.
2. Double the HSA money from Sazerac. If you choose the Value HDHP or Classic HDHP medical plan, Sazerac will contribute more to your HSA: up to $500 for individuals and $1,000 for families. The IRS announced increased annual limits, so you can contribute more, too.
3. Both dental plans are changing. The dental low plan will add coverage for major restorative care and drop coverage for orthodontia. The high plan will cover more, including a new orthodontia benefit for adults.
4. Introducing New York Life for life, disability, and supplemental health plans. New York Life will be our insurance provider for our life, AD&D, disability, leave of absence, accident, critical illness, and hospital indemnity plans. You’ll have similar options at similar rates, but the plans are changing.
5. Enhanced mental health support. We’re doubling the number of free therapy visits available through Health Advocate EAP. Plus, each Sazerac medical plan will cover therapy and psychiatry visits at 100% when you use Anthem LiveHealth Online through the Sydney Health app (Note: HDHP plan participants must meet their annual deductible before 100% coverage starts).

Choose your 2025 benefits during Annual Enrollment: Oct 30 – Nov 12.

There are four ways to enroll:

1. Online. Log on to mySazeracRewards.com for a self-guided enrollment experience.
2. Mobile App. Download the MyChoice Mobile app to enroll on-the-go.
3. Phone. Call 888-850-1772 (Monday through Friday, 8:00 am – 8:00 pm ET) to enroll with a Sazerac benefits representative.
4. Counselor. Make an appointment with a certified benefits counselor to get your questions answered and enroll with confidence.

The changes you make during this enrollment period will take effect Jan 1, 2025.

With all the changes to Sazerac’s benefits for 2025, we strongly recommend you review your options and actively enroll during Annual Enrollment.

If you don’t take action during Annual Enrollment, here’s what you can expect:

1. Medical, dental, and vision coverage will continue, with the changes outlined on What’s Changing page.
2. HSA contributions will continue. If the new Sazerac HSA employer contribution will cause you to hit the IRS annual limit, your contribution will be reduced to ensure you don’t overcontribute.
3. HCFSA and DCFSA participation will end. If you don’t sign up for a 2025 account during Annual Enrollment, your participation in these plans will end Dec 31, 2024.
4. Life insurance, disability, and supplemental health coverage will continue in the new plans from New York Life that are closest to your current plans.
5. Other plans will continue. ID Theft will stay the same and Legal Assistance coverage will continue at new 2025 rates.