2025 Open Enrollment

Open Enrollment Is November 19 - December 3, 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:

Enroll in or make changes to your benefits, including re-enrolling in the CDHP to accept your (New!) Fidelity HSA account.
Review and enroll in the new voluntary benefit offerings.
Add or remove coverage for dependents.
Enroll or re-enroll in Flexible Spending Accounts (FSAs).
Update your beneficiary information in Workday, Fidelity, and any other relevant accounts.

CDHP with Health Savings Account (HSA) | You are required to enroll/re-enroll in the CDHP via Workday to accept your (New!) Fidelity HSA account. To automatically transfer your remaining HSA Bank balance to Fidelity, complete the consent with HSA Bank using this link: Transfer your HSA Funds

Flexible Spending Accounts (FSAs) | You need to re-enroll in your FSA every year.

If you do not complete Open Enrollment, your benefit elections from 2024 will remain the same (with the exception of your FSA and CDHP with HSA requirements above).

Ready to enroll?

Visit Workday to complete your enrollment beginning November 19, 2024.

ENROLL OR MAKE CHANGES

Make sure to enroll in your benefits in Workday by December 3, 2024.

Do I need to take action?

Yes! With important changes for 2025, all benefits-eligible employees should review coverage selections during Open Enrollment.

Looking for more information? Listen to the 2025 Benefits Overview and read our Open Enrollment Workday Guide.
Enroll Now

Need help?

Workday Case: Workday Help
Email: benefits@proofpoint.com

What Is New for 2025

Fidelity Replacing HSA Bank

Fidelity, our current 401(k) administrator, will replace HSA Bank for Cigna and Kaiser members’ Health Savings Accounts (HSAs).
If you have an HSA, you’ll need to take action during Open Enrollment as we transition from HSA Bank to Fidelity, including:
- Re-enroll in your CDHP through Workday during Open Enrollment to accept your new Fidelity account. Note: Proofpoint will initiate the account creation, and you’ll complete the acceptance process in Workday.
- To automatically transfer your remaining HSA Bank balance to Fidelity, complete the consent with HSA Bank using this link: HSA Bank Electronic Consent.
- Review next steps for your HSA with Fidelity: Fidelity HSA Transition. Watch our HSA to Fidelity Transition presentation to learn more.
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. If you’re 55 or older, you can contribute a catch-up contribution of $1,000 more in 2025. Proofpoint contributes to your HSA in quarterly installments, which counts towards the overall IRS limits.

Voluntary Benefits

NEW! Proofpoint is offering LegalEase for assistance with legal matters.
NEW! You can elect voluntary coverage for Accident, Critical Illness, and Hospital Indemnity through Lincoln Financial.

Medical Plan Changes

Cigna CDHP and PPO:

Enhancements to fertility benefits offering an unlimited lifetime benefit for eligible fertility expenses and no infertility diagnosis required.
Prescription copays will increase to $15 for Tier 1 prescriptions (generic)/$45 for Tier 2 prescriptions (brand-name)/$60 for Tier 3 prescriptions (high-cost brand-name).

Additional Cigna PPO changes:

In-Network and Out-of-Network Deductible is increasing to $350 Employee Only/$700 Family.
In-Network Out-of-Pocket Maximum is increasing to $3,500 Employee Only/$6,500 Family.
Out-of-Pocket Maximum is increasing to $7,000 Employee Only/$13,000 Family.
The copay for a Specialist office visit is increasing to $30.

Kaiser CDHP:

The IRS has increased the deductible and out-of-pocket maximum requirement to:
- Deductible: $1,650 Employee Only/$3,300 Family.
- Out-of-Pocket Maximum: $3,300 Employee Only/$6,600 Family.

VSP Vision Plan Changes

NEW! You can now get anti-glare coverage at a $25 copay.
Frame allowance will increase from $130 to $150.
Contact Lens allowance will increase from $120 to $150.

Flexible Spending Accounts (FSAs)

FSA reminders:
- You must re-enroll to participate in FSAs. These do not carry over.
- You have until March 31, 2025 to submit claims for expenses incurred in 2024.
If you have a balance of $640 or less in your Healthcare or Limited Purpose FSA at the end of 2024, it will roll over into 2025 (if you elect to participate in 2025). Any balance that exceeds $640 at the end of 2024 will be forfeited according to IRS Rules (“use it or lose it”). For 2025 FSA elections, this rollover limit into 2026 increases to $660.
The 2025 Healthcare and Limited Purpose FSA maximum contribution is $3,300.

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. Contact Navia at 800-669-3539 to enroll.

Lincoln Financial Short-Term Disability (STD)

The STD elimination period will be extended from 7 to 14 days. Proofpoint’s Global Leave Enhancement program still offers a salary top-up for medical leave, which works together with STD to provide up to 100% of your base salary.

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 per-paycheck premiums than other plans.
Same network as the Cigna PPO plan.
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 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 New! Fidelity HSA

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 per-paycheck premiums 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 New! Fidelity HSA

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 higher per-paycheck premiums. 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 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. 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

Proofpoint pays the full cost of your Basic Life/AD&D, STD, and LTD coverage. You share the cost of your healthcare coverage. You pay premiums on a pre-tax basis (except for the cost of covering a domestic partner and their dependents – see “Imputed Income” below).

Premiums are displayed as monthly. Your payroll deductions will be calculated based on your payroll frequency, bi-weekly or semi-monthly.

Imputed Income

Proofpoint’s contribution towards the cost of domestic partner benefits is taxable income to you, as is the value of basic life insurance coverage over $50,000. Please note that unless your domestic partner is your tax dependent as defined by the IRS, contributions for domestic partner coverage must be made after-tax. Similarly, the company contribution toward coverage for your domestic partner and their dependents will be reported as taxable income on your W-2. Contact your tax advisor for more details on how this tax treatment applies to you. Notify HR if your domestic partner is your tax dependent.

Compare 2025 Medical Plan costs with our calculator tool!

Compare Plan Costs

Monthly Premium Contributions

	Cigna CDHP/HSA	Kaiser CDHP/HSA	Cigna PPO	Kaiser HMO
Employee Only	$47	$45	$182	$149
Employee + Spouse or Partner	$282	$272	$730	$648
Employee + Child(ren)	$255	$288	$614	$547
Employee + Family	$411	$388	$1,050	$937

Monthly Premium Contributions

	Cigna Dental	VSP Vision
Employee Only	$5	$2
Employee + Spouse or Partner	$33	$3
Employee + Child(ren)	$30	$4
Employee + Family	$59	$7

New! Voluntary Benefits Monthly Premium Contributions

(premiums are paid by you on a post-tax basis)

	Coverage	Monthly Premium Contribution
Legal Services	Employee + Family	$19.92

Accident Insurance	Employee Only	$5.18
	Employee + Spouse or Partner	$9.52
	Employee + Child(ren)	$11.52
	Employee + Family	$15.54

Hospital Indemnity	Employee Only	$7.57
	Employee + Spouse or Partner	$22.09
	Employee + Child(ren)	$14.14
	Employee + Family	$28.76

Critical Illness	Employee + Spouse or Partner
	Age Range	Monthly Rate
	0-29	$0.130
	30-39	$0.241
	40-49	$0.532
	50-59	$1.060
	60-69	$1.946
	70+	$4.184
	Child(ren)
	$0.170 per $1,000 of coverage

Enroll or Make Changes

Don’t miss the deadline!

Make sure to enroll in your benefits in Workday by December 3, 2024.

Do I need to take action?

Yes! With important changes for 2025, all benefits-eligible employees should review coverage selections during Open Enrollment.

Looking for more information? Listen to the 2025 Benefits Overview and read our Open Enrollment Workday Guide.

Enroll Now