Insurance Open Enrollment 2025

Resources

• Choose your health plan
  • Enroll yourself or any eligible dependents in health coverage.
  • Change from one health plan to another:
    • Standard Plan
    • Savings Plan
    • TRICARE Supplement Plan
  • Drop health coverage for yourself or any dependents.
• Choose your dental plan
  • Change from one dental plan to another:
    • Dental Plus
    • Basic Dental
  • Enroll yourself or any eligible dependents in dental coverage.
  • Drop dental coverage for yourself or any dependents.

  Changes to existing dental coverage can only be made during open enrollment in odd-numbered years. If you do not make changes this year, your next opportunity to make a change will be October 2027 or within 31 days of a qualifying life event.

  Be sure to consider how much you spend on dental care when determining how much you should contribute to your Medical Spending Account or Health Savings Account.

• Choose your vision coverage

  Enroll in or drop State Vision Plan coverage for yourself and/or your eligible dependents.

  Be sure to consider how much you spend on vision coverage when determining how much you should contribute to your Medical Spending Account or Health Savings Account.

• Choose your additional life insurance coverage
  
  

  • Enroll in Optional Life coverage with medical evidence. Submit your request via the Life Insurance Request Portal.
    • The request portal will require you complete and upload a completed 2026 Notice of Election (NOE) form (PDF).
    • Once you submit your request through the portal, you will receive a Statement of Health form within 7-10 business days through email from info@metlife-services.com. Completion of this form is required to process your request.
  • Increase current Optional Life coverage by up to $50,000 without medical evidence through the PEBA MyBenefits portal.
  • Increase existing Optional Life coverage by more than $50,000 with medical evidence.
    • If you wish to make an increase greater than $50,000, you should submit the initial increase of $50,000 without medical evidence using the PEBA MyBenefits portal. Any additional amount over $50,000 should be submitted using the Life Insurance Request Portal. You will also be required to complete the Statement of Health form online, which will be emailed to you by info@metlife-service.com. Ex: If you wish to increase your current coverage by $100,000, you should submit a $50,000 increase through the MyBenefits portal and submit the total $100,000 increase through the Life Insurance Request portal. 

  Optional Life Insurance coverage reduces to 65% at age 70, 42% at age 75, and 31.7% at age 80.

  • Enroll in or increase Dependent Life-Spouse coverage with medical evidence. Submit your request via the Life Insurance Request Portal.
    • Employees wishing to enroll in or increase Dependent Life-Spouse coverage must also use the life insurance request portal to provide the required information and upload a completed Notice of Election (NOE) form. 
    • Employees may elect up to $100,000 Dependent Life-Spouse coverage, or 50% of the employee’s Optional Life Insurance amount, whichever is less.
  • Drop or decrease Optional Life and Dependent Life-Spouse coverage through the MyBenefits portal.
  • Enroll in or cancel Dependent Life-Child coverage.

  Important Note - A separate NOE must be submitted for each person (employee and/or spouse) by October 31, 2025. Additionally, MetLife will email a separate online Statement of Health form for each person (employee and/or spouse) to complete.

  If MetLife approves your Optional Life and/or Dependent Life-Spouse coverage, the Office of Human Resources will submit the NOE(s) to PEBA. You should make all other open enrollment changes in the MyBenefits Employee Portal.

  Life Insurance Request Portal

• Choose your supplemental long term disability coverage
  • Apply for Supplemental Long Term Disability (SLTD) coverage with medical evidence. 
  • Change your benefit waiting period from 180 days to 90 days for existing coverage with medical evidence.
  • Change your benefit waiting period from 90 days to 180 days for existing coverage without medical evidence.
  • Drop coverage.

  Employees who wish to enroll in SLTD, change their waiting period from 180 to 90 days for existing coverage must use the Supplemental Long Term Disability (SLTD) Portal and complete an NOE (PDF) and Medical History Statement form (PDF).

  To drop coverage or change the waiting period from 90 to 180 days, you must use the MyBenefits portal to submit changes for processing by October 31, 2024, at 11:59 p.m.

  As a reminder, you can apply for SLTD or change your waiting period throughout the year with medical evidence.

• Choose your MoneyPlus elections
  • Enroll in or drop the Pretax Group Premium feature.
  • Enroll in or re-enroll in flexible spending accounts:
    • Medical Spending Account
    • Limited-use Medical Spending Account
    • Dependent Care Spending Account

  Note: The IRS recently announced an increase in the contribution limit for Medical Spending Accounts and Limited-use MSAs for 2026. The limit increased from $3,300 to $3,400.

  You can carry over up to $660 of unused Medical Spending Account (MSA) and Limited-use MSA funds into the 2026 plan year. You may carry over up to $680 of unused funds into the 2027 plan year. Be sure to take this into consideration when making your election.

• For Savings Plan enrollees: Choose Health Savings Account options

  If you are enrolled in the Savings Plan as your State Health Plan you may:

  • Enroll in or drop a Health Savings Account (HSA).
    • If you enroll in an HSA, you must open a bank account with Central Bank to access your funds. HSA Central will automatically set up the bank account based on enrollment information from PEBA. You will receive a welcome email from HSA Central with instructions on how to fully open/activate the HSA. HSA Central debit card will be delivered in 7 to 10 business days. Be sure to log in to your account online to accept the account’s terms and conditions and call to activate your debit card to access your new HSA fully.
  • Change your contribution amount for an existing HSA election.
    • Consider whether you would like to change your contribution amount for 2026. As a reminder, you can enroll in an HSA or change/stop your HSA contributions anytime throughout the year.
  • Health Savings Accounts (HSA) elections will continue into the next year if an employee takes no action.
• Choose your supplemental insurance coverage
  • Enroll in or adjust Accidental Injury Insurance.
    • Accident Insurance Low Brochure (PDF)
    • Accident Insurance Mid Brochure (PDF)
  • Enroll in or adjust Critical Illness Insurance.
    • Critical Illness Insurance Brochure (PDF)
  • Enroll in or adjust Hospital Indemnity Insurance.
    • Hospital Indemnity Insurance Low Brochure (PDF)
    • Hospital Indemnity Insurance Mid Brochure (PDF)

  Additional information about each plan, including limitations and exclusions, is included in the plan brochures. For assistance, to learn more about supplemental insurance coverage through Aflac or to enroll, attend one of the webinars listed below or use the button to schedule a virtual appointment with an Aflac representative.

  Aflac Webinars

  Monday, October 6, 2025 - 1:30 p.m. (ET)

  Add October 6 Webinar to Calendar

  Thursday, October 9, 2025 - 11:00 a.m. (ET)

  Add to October 9 Webinar to Calendar

  Schedule an Appointment

• Choose your identity protection coverage
  Enroll in or adjust Identity Protection coverage through Allstate Identity Protection Pro Plus. Allstate Identity Protection delivers a powerful new approach to online privacy with unique tools and proactive monitoring that help you see, manage, and protect your personal data.
  

  • Enrollments and changes are limited to the annual open enrollment period.
  • To enroll in or adjust coverage through the Allstate Identity Protection Pro Plus plan, submit the Identity Protection Open Enrollment Form.

  Identity Protection Open Enrollment Form

  Questions about Allstate Identity Protection Pro Plus? Call 1-800-789-2720.