Tools & Resources

In all of the medical plans, your in-network preventive care and prescriptions are covered at 100% without requiring you to meet the deductible. When you need more than preventive care, you pay for care out of pocket until you reach your deductible. Then you share the cost of care with the company.

Your benefits eligibility is based on your employment status. Full-time associates who work an average of 30 or more hours per week are eligible for all health and welfare and retirement benefits. Part-time associates who average less than 30 hours per week are eligible for Dental, Vision, Term Life Insurance, AD&D Insurance, Business Travel Accident Insurance, Critical Illness Insurance, Accident Insurance, Hospital Indemnity Insurance, and the Legal Service Plan.

An HSA is like a 401(k) account for your health care expenses. If you’re enrolled in the HDHP with HSA, you can contribute money on a pre-tax basis to the account each year to pay for eligible health care expenses, such as doctor’s office visits, deductibles, and prescriptions. And, the company also contributes to the account each year on your behalf. Click here to learn more.

Your coverage is designed to protect if you need medical care. Each plan covers the same treatments, including 100% coverage for preventive care, and all plans include prescription drug coverage.

The main difference between the medical plans is how you pay for coverage. Premiums are what you pay from your paycheck. Out-of-pocket costs includes deductibles, copays, coinsurance, and other expenses you incur when you seek care.

The medical plans allow you to select a plan with higher premiums and lower out of pocket, or higher out of pocket and lower premiums. The plan you select should be based on your and your family's healthcare needs. You have three plan options:    

• Basic: The Basic plan is designed for people who use healthcare infrequently and have enough savings to pay a higher deductible and coinsurance if they need unexpected care.
• PPO Plan: A Preferred Provider Organization (PPO) allows you to pay for care through fixed copays and coinsurance.
• HDHP with HSA: A High Deductible Health Plan (HDHP) gives you the opportunity to contribute to a Health Savings Account (HSA). With an HSA, you can save pre-tax dollars for eligible healthcare expenses, and the best part is, your balance rolls over year after year.

You can cover your spouse, children, and stepchildren under age 26 and incapacitated children of any age under certain plans. If you enroll eligible dependents in the medical and/or dental plans, you must provide documents verifying their eligibility. You may also cover domestic partners, both opposite and same-sex, as well as children of domestic partners. Learn more about who you can cover in the Benefits Guide.

You can contribute pre-tax dollars up to the IRS limits in your HSA to pay for eligible expenses. Or you can pay for your expenses out-of-pocket and let your HSA balance build, like a 401(k) account for your healthcare expenses. If you enroll in the HDHP with HSA, the company will contribute $500 - $1,000 to your HSA, depending on your coverage level. Click here to learn more.

The medical plans are administered by UnitedHealthcare and offer a nationwide network of doctors and facilities. Click here to find an in-network provider.

The benefits you elect during Annual Enrollment are in effect through Dec. 31 of the following year. You can only make changes if you experience a qualified life event. Click here to learn more about life events and how to make changes.

A Flexible Spending Account (FSA) is a special account that allows you to set aside pre-tax money to pay for eligible expenses. It helps you save money by reducing your taxable income, but you must use the funds within the plan year, or you'll lose them.

There are several kinds of FSAs:

• Health Care FSA (HCFSA): An HCFSA allows you to save pre-tax dollars that can be used on eligible medical, dental, and vision care for yourself and your dependents, if applicable. You don't need to be enrolled in any other Holmes Murphy benefits to participate in the HCFSA.
• Limited Purpose FSA (LPFSA): An LPFSA works the same way as the HCFSA does, except it can only be used for dental and vision expenses. The LPFSA is only available to those enrolled in the HDHP with HSA plan.
• Dependent Care FSA (DCFSA): The DCFSA is not for health care costs. If you elect to contribute to the DCFSA, you;ll be able to save pre-tax dollars that can be used for eligible day care, day camp, or other expenses you pay because both you and your spouse work, your spouse goes to school full-time, or your spouse isn't mentally or physically able to care for themself.

Yes. When you enroll in any of our medical plans, prescription drug coverage at in-network pharmacies is automatically included. If you fill prescriptions at out-of-network pharmacies, you may have to pay the full cost for these medications.

Both accounts allow you to set aside pre-tax dollars to pay for health care expenses. There are several differences between these two accounts:

• Eligibility: You must be enrolled in a high deductible health plan to contribute to an HSA. You may elect the HCFSA if you enroll in the PPO or if you do not elect coverage. You cannot simultaneously contribute to an HCFSA and an HSA, but you can contribute to both a Limited Purpose FSA and an HSA.
• Company contribution: If you enroll in the HSA, the company will contribute to your account. The company does not contribute to the HCFSA.
• Access to funds: With an HSA, you must have the funds available in your account to pay for eligible healthcare expenses during the year. If you don't have the funds to cover an expense, you can reimburse yourself once funds are available in the account. An HCFSA allows you to use your funds at the beginning of the year, if needed, and gradually pay it back through payroll deductions the rest of the year.
• Rollover unused dollars: When you contribute to an HSA, any unused funds in your account roll over from one year to the next until you withdraw them. If you leave the company, you can take your account with you. If you have unused funds at the end of the year in an FSA, you cannot roll over any remaining balances, so you will lose what you don't use each year.

IRS rules do not allow participation in both an HSA and an HCFSA during the same calendar year. If you participate in the HSA, you can contribute to a Limited Purpose FSA.

No. These accounts are completely separate and due to IRS rules, you cannot transfer funds between them.

The IRS establishes annual HSA contribution limits each year. For 2025, the contribution limit is $4,300 for individuals and $8,550 if you cover dependents. These amounts include the contribution that the company makes to your account. If you're age 55 or older, you can contribute an additional $1,000 per year to an HSA.

The HSA is flexible and has several advantages many of them tax-related. Here are just a few of them:

• Pre-tax contributions: Contributions you make to the HSA are 100% tax deductible (up to the annual IRS limits) similar to a 401(k) or IRA.
• Tax-free withdrawals: As long as you use the money in your account to pay for eligible health care expenses, the money you take out of the account is never taxed.
• Tax-free growth: In most states, interest and investment growth earnings on your account are not taxed until you use them. And if you use them to pay for qualifying health care expenses, they are tax-free.
• Growth potential: When your HSA balance exceeds $1,000, you can invest some or all of that amount in a variety of mutual funds (not FDIC-insured).

In addition to saving on taxes, the HSA also provides a way for you to set aside money to pay for future health care expenses, such as in retirement.

If you enroll in the HDHP with HSA, the HSA will automatically be set up on your behalf with our plan administrator, Optum, an outside financial institution. All you need to do is enroll in the HDHP with HSA when applicable and elect the amount you want to contribute to the account each year. Note: You must actively re-elect your HSA contribution amount each year during Annual Enrollment—they will not automatically continue from one year to the next. However, you can change your HSA contribution amount at any time throughout the year. To learn how to change your contributions, click here.

You can use your FSA or HSA funds to pay for eligible health care expenses, which include out-of-pocket expenses like doctor's office visits, lab fees, prescription drugs, certain over-the-counter medications, acupuncture, chiropractic services, and more. For a full list of IRS-qualifying expenses, click here.

If you're enrolled in the HSA, you own the account and any funds you have in that account. You can take the funds in the account with you and continue to contribute to the HSA on your own.

Yes. Much like a 401(k), you have control over how much money you contribute to your account and the flexibility to increase, decrease, or stop your contributions at anytime. To learn how to change your contributions, click here.

Yes, once you have at least $1,000 in your account. Your account will also earn interest.