USG Open Enrollment began October 28, 2024 and ended November 8, 2024. Learn about your 2025 benefits by using any or all of these resources:
Action Required: Tobacco Certification Reminder
If you are enrolled in a USG healthcare plan, you are required to complete a certification each year during Open Enrollment. You must certify whether you (and your covered family members age 18+) use tobacco.
To learn more about the tobacco use surcharge and when it applies.
2025 Tobacco Surcharge NOTE: If you don’t certify, you will be charged the monthly surcharge. | ||
Employee |
Spouse | Children 18+ (one surcharge for all children who use tobacco) |
$150/month | $150/month | $150/month |
Remember to review your confirmation statement and make any corrections by December 31, 2024, to ensure your coverage and surcharge election is captured correctly. That includes making sure your tobacco use certification is complete and has been captured correctly.
Confirm all your contact information! To receive your Confirmation of Benefits for 2025 Open Enrollment and other important benefits updates electronically, visit oneusgconnect.usg.edu and click Manage My Benefits. Once logged in to OneUSG Connect - Benefits, select Validate Your Personal Information and confirm your preferred email address. You must provide your personal email address to receive your Confirmation of Benefits electronically.
That’s great! Select the “cessation” option to notify us of your intent to quit. By selecting the cessation option, you will not be charged the surcharge until April 1, 2025. View the list of no-cost cessation programs and resources available to you. Then, complete a tobacco cessation program of your choice and notify the One USG Connect - Benefits Call Center of your completion of the program. If you stop using tobacco products or complete a tobacco cessation program, you must update your tobacco use status with OneUSG Connect - Benefits at 1-844-587-4236 to avoid the surcharge.
If you do not complete a cessation program, stop using tobacco or fail to update your tobacco use status, the tobacco surcharge will be applied beginning April 1, 2025. You may update your status at any time during the year, but the surcharge will be removed the first of the month following the date you update your status (e.g., status update May 15, surcharge removed effective June 1).
For 2025, employee healthcare plan premiums will increase by:
Employee Monthly Premium (+/- $ Change from Current) | Anthem (USG Self-Insured Coverage) | Kaiser (Fully Insured) | ||
Tier | Consumer Choice HSA | Comprehensive Care | BlueChoice HMO | HMO |
Employee | $98 (+$9) | $220 (+$13) | $274 (+$21) | $206 (+$17) |
Employee + Child(ren) | $208 (+$19) | $428 (+$27) | $525 (+$39) | $396 (+$34) |
Employee + Spouse | $242 (+$22) | $499 (+$31) | $612 (+$45) | $461 (+$38) |
Family | $346 (+$31) | $713 (+$45) | $874 (+$65) | $659 (+$55) |
There will be some changes to the copayments, coinsurance, deductibles, and out-of-pocket maximums across all four USG healthcare plans in 2025. The Consumer Choice HSA and Comprehensive Care plans both offer in-network and out-of-network coverage. For complete details, review the 2025 Comparison Guide.
You will see some plan design changes across all four USG plans, including:
Keep tabs on your prescription coverage
Your formulary can change throughout the year, so make sure to periodically check your medications against the approved drug list. To check coverage and copay amounts and get information about medications, visit benefits.usg.edu/health-and-well-being/pharmacy
For a list of specialty medications that fall under the specialty drug tier, review the Specialty Drug list.
Although the formulary can change during the year, you can expect a number of changes beginning January 1, 2025. Even if your medications have not changed, the list of approved medications may have, so make sure you periodically check your medications against the approved drug list. To see the most up-to-date drug list, log in to your account with CVS/Caremark or Kaiser Permanente.
If you are not currently enrolled in coverage and want to view the approved drug list:
CVS/Caremark:
Kaiser Permanente:
Remember! Regardless of the pharmacy plan that you are covered by, each plan has a list of ACA preventive medications that are covered at $0 employee cost-share, before the deductible. Log in to your account with CVS/Caremark or Kaiser Permanente for a list of preventive medications.
For 2025, the employee dental plan premiums will increase by 7.7%.
Employee Monthly Premium (+/- $ Change from Current) | Delta Dental Base | Delta Dental High |
| Employee | $36.86 (+$2.64) | $45.56 (+$3.26) |
| Employee + Child(ren) | $70.04 (+$5.02) | $86.56 (+$6.20) |
| Employee + Spouse | $73.74 (+$5.28) | $91.08 (+$6.52) |
| Family | $117.96 (+$8.44) | $145.80 (+$10.44) |
In 2025, you can choose to enroll in auto, home and renter’s insurance through Farmers Insurance Choice®. You can quickly and easily compare and save with multiple quotes on auto, home and renter’s insurance. Farmers Insurance Choice® makes it easy to choose the coverage best suited for your needs.
Coverage offering:
To learn more visit metlife.com/borusg or call 1-866-586-6048 beginning January 1, 2025.