2025 Open Enrollment

Open Enrollment Is November 13 - 29, 2024

Open Enrollment is your annual opportunity to review your benefits, learn about plan options, and make changes for the new benefit year. All changes are effective January 1, 2025.

This is your once-a-year chance to:

Change health plans
Add or drop dependent coverage
Enroll or re-enroll in Flexible Spending Accounts (FSAs)
Review your beneficiary information (add and/or update) in Workday, Fidelity, and any other relevant accounts
Update/confirm your emergency contact information in Workday

Do I need to take action?

We encourage all benefits-eligible employees to review their coverage selections during Open Enrollment. If you make no changes, your benefits from 2024 will remain the same (with the exception of your FSA).

Ready to enroll?

Visit Workday to complete your enrollment beginning November 13, 2024.

Enroll Now

Need help? Contact your Benefit Advocate

You have a dedicated resource to assist with your benefit-related questions and issues during Open Enrollment and throughout the year.

(925) 287-7282 or
(855) 701-3257 toll-free
benefits@proofpoint.com

What Is New for 2025

Cigna Medical Plan Design Changes

PPO:

Office Visit Copay: the copay for a Specialist office visit is increasing from $20 to $30
In-Network and Out-of-Network Deductible: changing from $250 Employee Only / $500 Family to $350 Employee Only / $700 Family
INN OOP Maximum: changing from $3,000 EE / $6,000 FAM to $3,500 EE / $6,500 FAM
OON OOP Maximum: changing from $6,000 EE / $12,000 FAM to $7,000 EE / $13,000 FAM
Rx Copays: changing from $10 / $25 / $40 to $15 / $45 / $60
Fertility Coverage: changing from $20k lifetime max to Unlimited
Fertility Coverage: Changing from diagnosis of infertility required to NOT required
Add SaveOn Specialty Rx Program

CDHP:

Rx Copays: changing from $10 / $25 / $40 to $15 / $45 / $60
Fertility Coverage: changing from $20k lifetime max to Unlimited
Fertility Coverage: Changing from diagnosis of infertility required to NOT required
Add SaveOn Specialty Rx Program

VSP Vision Plan Design Changes

Frame allowance: changing from $130 to $150
Contact Lens allowance: changing from $120 to $150
Adding anti-glare enhancement coverage at $25 copay

Fidelity Replacing HSA Bank

Fidelity, our current 401(k) administrator, will be replacing HSA Bank for both Cigna and Kaiser members’ HSAs.

Lincoln Financial Short-Term Disability

The Short-term Disability elimination period will be extended from 7 to 14 days.

Voluntary Benefits

Proofpoint is implementing LegalEase for Voluntary Legal Benefits
Adding coverage for Accident, Critical Illness & Hospital Indemnity through Lincoln Financial

Flexible Spending Accounts (FSAs)

You must re-enroll to participate in FSAs. These do not carry over.
If you have a balance of $640 or less in your Healthcare or Limited Purpose FSA at the end 2024, it will roll over into 2025 (if you elect to participate in 2025).
Any balance that exceeds $640 in 2024 will be forfeited according to IRS rules (“use it or lose it” rule)
The 2025 Healthcare and Limited Purpose FSA maximum contribution is $3,300.
You have until March 31, 2025 to submit claims for expenses incurred in 2024.

Health Savings Accounts (HSAs)

New IRS rules mean that eligible individuals can set aside up to $4,300 and families can contribute up to $8,550 per year to HSAs in 2025. In addition, Proofpoint contributes to your HSA in quarterly installments, for you to use as you choose. You can use that money for medical costs, or, if you reach the $1,000 threshold in your HSA, you can invest toward your retirement as you like, in the same way you would with your Proofpoint 401(k) contributions. If you’re 55 or older, you can elect to make catch-up contributions to your HSA of an additional $1,000 for individual and family plans.

Commuter Benefits

You can set aside up to $325 per month for parking and up to $325 per month for transit or carpool expenses in 2025.

2025 Medical Plan Options

Cigna Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

This plan offers both in and out-of-network coverage and access to the same network of providers as the Cigna PPO plan. There is a requirement to meet the deductible before the plan benefits kick in, and it’s paired with a Health Savings Account (HSA). Some of the advantages of this plan include:

Lower semi-monthly payroll contributions than other plans
Same network as the Cigna PPO plan (Open Access Plus)
You can contribute money to your HSA before it is taxed (reducing your taxable income)
Proofpoint makes an annual contribution to your HSA – up to $1,200 for individual coverage and up to $2,400 for employees enrolled with one or more dependents.

Note: Proofpoint’s contributions to your HSA are made in quarterly installments. You must be employed by Proofpoint at the time of a quarterly installment for those funds to be added to your HSA. Individuals employed by Proofpoint for the full calendar year receive the full annual contribution.

Is your doctor or hospital in the Cigna Open Access Plus network? Cigna’s online directory makes it easy to find who (or what) you’re looking for.

Plan Benefit Summary Plan Benefit Summary – Utah Cigna CDHP Easy Guide HSA Info

Kaiser CDHP with HSA

CA employees only

This Kaiser CDHP plan is similar to the Cigna CDHP, with low paycheck deductions and the tax benefits of an HSA. However, your care is only covered at Kaiser facilities except in an emergency. There is a deductible to meet before Kaiser starts sharing the costs of services. Some of the advantages of this plan include:

Lower semi-monthly payroll contributions than other plans
You can contribute money to your HSA before it is taxed (reducing your taxable income)
Proofpoint contributes money to your HSA – up to $1,000 for individual coverage and up to $2,000 for employees enrolled with one or more dependents.

N. Cal Benefit Summary S. Cal Benefit Summary Kaiser CDHP Easy Guide

This plan is only available to eligible California residents.

Cigna Preferred Provider Organization (PPO)

This plan has predictable out-of-pocket costs and a lower deductible to meet before the plan shares in the cost of your services or prescriptions. However, this plan has the highest monthly cost to you. You can visit any doctor, specialist, lab or pharmacy of your choice, but you’ll pay more when your providers are not part of the Cigna network.

Need to find a new doctor or want to check if your doctor or hospital is in the Cigna Open Access Plus network? Cigna’s online directory makes it easy to find who (or what) you’re looking for.

Plan Benefit Summary Plan Benefit Summary – Utah

Kaiser Health Maintenance Organization (HMO)

CA employees only

If you live in California and prioritize keeping your costs low at the doctor’s office, this Kaiser plan could be a good fit for you. Most covered services are available after a small co-payment and there is no deductible to meet. You will be restricted to using doctors and hospitals at Kaiser facilities, and there is no coverage for outside care, except in the case of an emergency.

N. Cal Benefit Summary S. Cal Benefit Summary

This plan is only available to eligible California residents.

2025 Dental and Vision Plans

Cigna Dental

Let our Cigna dental plan help you maintain a healthy smile and teeth. You can see any dentist of your choice, but you will receive a lower rate when you visit in-network dentists. The plan allows for two free preventive dental care visits per year, which don’t count towards your annual plan maximum.

Is your dentist in the Cigna network? Need help finding a dentist closer to home? Cigna’s online directory makes it easy to find who (or what) you’re looking for.

Plan Benefit Summary

VSP Vision

Take advantage of vision coverage with VSP. This benefit includes one annual eye exam, new lenses every year, and frames every other year. VSP is accepted by most providers, and you enjoy the most savings when you stay in-network. VSP has exclusive member extras such as discounts on LASIK and contact lens supplies.

Visit vsp.com to see what special offers are available.

Plan Benefit Summary

2025 Plan Costs

You pay monthly contributions on a pre-tax basis, which are deducted from your paycheck (except for the cost of covering a domestic partner and their dependents – see imputed income for information). Proofpoint pays the premiums for your Life/AD&D, STD, LTD, and EAP coverage. You share the cost of your healthcare coverage.

Compare 2025 Medical Plan costs with our calculator tool!

Compare Plan Costs

Medical Coverage

	Cigna CDHP	Kaiser CDHP (CA only)	Kaiser HMO (CA Only)	Cigna PPO
Employee Only	$44	$40	$133	$171
Employee + Spouse/DP	$266	$242	$578	$688
Employee + Child(ren)	$240	$257	$488	$579
Employee + Family	$387	$346	$836	$990

Dental and Vision Coverage

	Dental	VSP Vision
Employee Only	$4	$1
Employee + Spouse or Partner	$31	$2
Employee + Child(ren)	$28	$3
Employee + Family	$55	$6

Enroll or Make Changes

Don’t miss the deadline!

Make sure to enroll in your benefits on Workday by November 29, 2024.

If you don’t complete enrollment:

Your current medical, dental, vision, and HSA contribution elections will carry over automatically into 2025
You will not be able to participate in Flexible Spending Accounts (FSAs) in 2025

Looking for more information? Read our Open Enrollment Workday Guide.

Enroll Now