Enroll for 2025 Benefits
What’s Changing in 2025?
We’ve made some minor changes to the Anchor, Anchor Plus and Anchor Choice with HSA medical plans that will become effective January 1, 2025:*
- We are introducing a musculoskeletal (MSK) benefit with Hinge Health.
- Specialist visits will no longer require a referral.
- Prescription coverage will include CVS’s Prudent Rx program which may help save you money when you fill eligible specialty medications.
- If you are enrolled in the Anchor plan, your annual maximum incentive in the Rewards for Wellness program will increase from $500 to $700.
There are no changes to the dental or vision plans.
*If you are a member of one of the following groups, your medical plan benefits ARE NOT changing for 2025. With the exception of increased deductibles and State HSA contributions under the Anchor Choice plan, your medical and prescription drug benefits next year will be the same as this year.
- RIBCO (Correctional Officers; Nurses; Civilians)
- RITA and non-union State Police
- Non-Classified union and non-union education and college employees
Complete your Checklist!
Step #1: Get acquainted with your coverage!
For a deeper dive into what’s changing in 2025, refer to the State’s News and Announcements on the Office of Employee Benefits website. You’ll also find a comprehensive overview of your benefits programs and helpful links, carrier materials, and videos.
What to Know
You’ll be able to make changes to the following benefits during the Open Enrollment period:
- Medical (Anchor, Anchor Plus, Anchor Choice with HSA, or the medical waiver option)
- Dental (Anchor, Anchor Plus, and Anchor Platinum)
- Vision (Anchor and Anchor Plus)
- General and limited flexible spending accounts (FSA and LFSA)
- Dependent care spending account (DCSA)
- Life insurance
- Legal services
- Short-term disability
- Deferred compensation plan
- CollegeBound Saver
Step #2: Compare your options
Use all available resources to help you determine the plans that best fit the needs of you and your family. Refer to the Plan comparison chart for a general overview. For customized help, talk with or text ALEX, our decision tool, to help you weigh your plan options, based on your own personal situation. ALEX can help you understand how the plans work and compare premiums or co-shares and out-of-pocket costs for each option.
Step #3: Log in to Workterra to make your elections
When you’re ready to enroll, log in to Workterra, the State’s online enrollment system. During the Open Enrollment period, you can access Workterra to add dependents and make or change benefit elections as many times as you like. The deadline is 11:59 pm eastern on November 22, 2024.
What to Know
Your username is the first initial of your first name + your full last name (no hyphens, apostrophes, spaces, or titles) + the last four numbers of your Social Security number (e.g., jsmith1234).
The Company is Rhode Island (not case sensitive; space between “Rhode” and “Island” is required).
If you need help using Workterra, contact the Office of Employee Benefits, or refer to the Workterra User Guide.
Important! Designating a PCP
When you select your medical plan, you will notice that the “designate a PCP” section will still require a response—even for those employees who are no longer required to elect one. If you are in a Union that has ratified a new Collective Bargaining Agreement, or a non-union classified or unclassified employee, just click “Auto Allocate” for a PCP and move to the next section. No PCP will be assigned to you.
You are still required to elect a PCP if you are in one of the following groups:
- RIBCO (Correctional Officers; Nurses; Civilians)
- RITA and non-union State Police
- Non-Classified union and non-union education and college employees
Step #4: Don’t miss out on savings opportunities
The State offers several plans and programs that can save you (or help you earn) money. Most of these plans allow you to make your benefit payroll contributions with pretax dollars so that you pay less in taxes. We call these the tax-advantaged plans. If you were enrolled in these plans for 2024, some require you to re-enroll to be able to participate in 2025.
What to Know
- The State contributes to a tax-advantaged health savings account (HSA) for you if you elect the Anchor Choice medical plan. You can contribute to your HSA, too.
- You may elect a health care flexible spending account (FSA) to help with your out-of-pocket health care expenses, as long as you are not enrolled in the Anchor Choice medical plan. That plan comes with the Health Savings Account for medical expenses. If you enroll in the Anchor Choice medical plan, you can elect a limited purpose healthcare FSA to help cover dental and vision expenses.
- Enroll in the deferred compensation plan for a retirement savings account that is funded with pretax paycheck contributions.
- Elect a dependent care spending account (DCSA) to help with eligible dependent care expenses (like day care, preschool, after-school care, summer camp, etc.).
- And if you’re thinking about setting aside some money for your child’s college, consider the CollegeBound Saver plan.
Step #5: Pick Your Person!
Once you’re enrolled, make sure to elect beneficiaries for your benefits that provide a payment to an individual (or individuals) in the event of your death.
What to Know
- Beneficiaries are required for life insurance, the Anchor Choice Plan’s HSA, your Employees’ Retirement System of Rhode Island (ERSRI) defined benefit plan, the 401(a) defined contribution plan and the 457(b) deferred compensation plan.
- Even if you’ve already elected a beneficiary, it’s a good idea to double check your designation just to make sure nothing’s changed.
- You’ll need to elect a beneficiary for each plan separately; they are managed by different administrators.
Step #6: Double Check
Mistakes happen! Review your elections on the Workterra confirmation statement page. Be sure to check to see that everything listed is accurate and that you’ve elected coverage for your dependents, if applicable. Once your enrollment window closes, you will not be permitted to make a change to your coverage until the State’s Open Enrollment period in the fall of 2025 unless you experience a qualifying status change.
What to Know
- Made a mistake or changed your mind? Don’t worry—you can go back and change your elections anytime until 11:59 pm eastern on November 22.
- No changes will be permitted after that time unless you experience a qualifying status change.
Your Benefits Counselor
How much should you stash? How much should you set aside? Which plan would your wallet love most? ALEX® may have answers.
Still Can’t Decide?
Follow State employee Bob as he walks through his Anchor plan options in the “Understanding Your Anchor Medical Plans” video.
Note: This video refers to electing a Primary Care Physician (PCP) to coordinate care. While it’s always a good idea to establish a relationship with a PCP, beginning in 2025, employees (except RIBCO, RITA, non-Union State Police, non-Classified union and non-union education and college employees) who are enrolled in the Anchor plans are no longer required to designate a PCP to coordinate their care.