2024 Open Enrollment
We review our benefits offerings each year to see how we can improve them to give you the best. Wilbur-Ellis has invested nearly three and a half million dollars to enhance our 2024 benefit offerings that better support you and your family.
There are changes to our cost structure and premium contributions, our medical plans (including the introduction of a new plan), and EAP vendor, as well as adjustments to the dental plan, and the FSA maximums.
Please be aware, Open Enrollment is active. This means you must make elections from October 30 to November 13 to receive coverage for 2024. If you do not submit your elections by November 13, you will not have any coverage next year.
To enroll, make an appointment at wilburellis.myannualenrollment.com or enroll yourself in Direct Access.
For more details on each change, please click on the accordions below:
Salary band simplification: All premium costs will be simplified to a two-band system—those who make under $50,000 and those who make over $50,000 annually. In addition, Nachurs’ employees will have the same rates as Wilbur-Ellis employees in 2024. As a result, Wilbur-Ellis is increasing its contributions to medical premiums, leading to lower costs for many employees.
Medical premiums not increasing: Despite rising medical and pharmacy costs and an inflationary environment, we will not increase medical premiums in 2024. As a reminder, we also did not increase premiums in 2023.
Vision plan cost-share: Wilbur-Ellis will now be contributing 50% of the premium cost for the vision plan. Today, you pay the entire premium. With the change, you will only pay 50% of the premium.
| HSA Yellow | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $691.81 | $623.81 | $68.00 | |
| Employee + Spouse | $1,515.08 | $1,366.08 | $149.00 | |
| Employee + Child(ren) | $1,245.27 | $1,123.27 | $122.00 | |
| Employee + Family | $2,144.62 | $1,934.62 | $210.00 | |
| HSA Black | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $665.96 | $631.96 | $34.00 | |
| Employee + Spouse | $1,458.46 | $1,383.46 | $75.00 | |
| Employee + Child(ren) | $1,198.73 | $1,137.73 | $61.00 | |
| Employee + Family | $2,064.47 | $1,959.47 | $105.00 | |
| Traditional PPO | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $778.29 | $563.29 | $215.00 | |
| Employee + Spouse | $1,704.45 | $1,216.45 | $488.00 | |
| Employee + Child(ren) | $1,400.93 | $999.93 | $401.00 | |
| Employee + Family | $2,412.70 | $1,722.70 | $690.00 |
| HSA Yellow | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $691.81 | $536.81 | $155.00 | |
| Employee + Spouse | $1,515.08 | $1,163.08 | $352.00 | |
| Employee + Child(ren) | $1,245.27 | $956.27 | $289.00 | |
| Employee + Family | $2,144.62 | $1,646.62 | $498.00 | |
| HSA Black | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $665.96 | $587.96 | $78.00 | |
| Employee + Spouse | $1,458.46 | $1,282.46 | $176.00 | |
| Employee + Child(ren) | $1,198.73 | $1,053.73 | $145.00 | |
| Employee + Family | $2,064.47 | $1,815.47 | $249.00 | |
| Traditional PPO | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $778.29 | $487.29 | $291.00 | |
| Employee + Spouse | $1,704.45 | $1,049.45 | $655.00 | |
| Employee + Child(ren) | $1,400.93 | $862.93 | $538.00 | |
| Employee + Family | $2,412.70 | $1,486.70 | $926.00 |
| Dental | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $49.24 | $34.47 | $14.77 | |
| Employee + Spouse | $97.91 | $68.53 | $29.38 | |
| Employee + Child(ren) | $79.88 | $55.91 | $23.97 | |
| Employee + Family | $135.85 | $95.10 | $40.75 | |
| Vision | Enrollment Tier | Total Premium | Wilbur-Ellis Pays | You Pay |
| Employee Only | $8.60 | $4.30 | $4.30 | |
| Employee + Spouse | $13.87 | $6.93 | $6.94 | |
| Employee + Child(ren) | $14.17 | $7.09 | $7.08 | |
| Employee + Family | $23.39 | $11.69 | $11.70 |
Several changes are coming to the Wilbur-Ellis plans.
New medical plan: Starting 2024, we will be adding a new medical plan, the HSA Black. This plan adds an important third option of even less expensive coverage.
Plan name change: We will be adapting the names of the HSA PPO to make it easier to identify separately from the new HSA-eligible plan (HSA Black). The HSA PPO plan will be changing to the HSA Yellow.
PPO design changes: The carrier has made adjustments to PPO plan. Starting 2024, the PPO plan will have slightly higher deductibles, coinsurance, and copays for certain services but, a lower out-of-pocket maximum.
| Plan Features | HSA Yellow | HSA Black | PPO |
|---|---|---|---|
| In-Network | In-Network | In-Network | |
| Annual Deductible Individual/Family | $2,000 / $4,000* (non-embedded) |
$4,000 / $8,000 (embedded) |
$750 / $1,500 (embedded) |
| Annual Out-of-Pocket Maximum Individual/Family |
$5,000 / $10,000 | $5,000 / $10,000 | $3,000 / $6,000 |
| Wilbur-Ellis Annual HSA Contribution Individual/Family |
$1,000 / $2,000** | $400 / $800** | N/A |
| You pay (after deductible): | You pay (after deductible): | You pay (after deductible): | |
| Preventive Care | Covered in full*** | Covered in full*** | Covered in full*** |
| Primary Care | 20% | 20% | $25*** |
| Specialist | 20% | 20% | $40*** |
| Urgent Care | 20% | 20% | $25*** |
| Emergency Room | 20% | 20% | $200 copay, plus 20% |
| Inpatient/Outpatient Hospital | 20% | 20% | 20% |
| Outpatient Mental Health | 20% | 20% | $20*** |
*The HSA Yellow plan uses non-embedded deductibles. The plan begins to pay 100% of the covered benefit after the full family annual out-of-pocket amounts are reached through any one or combination of family members meeting the deductible. The out-of-pocket maximum applies to the entire family’s expenses, not an individual’s.
**Employer contributions are funded quarterly. You must be enrolled on or prior to the first day of the quarter to receive that quarter’s contribution.
***Deductible waived.
Preventive care not applicable to plan maximums: Your dental plan is getting a big upgrade. Previously, your preventive care was covered in full by the plan, but the insurance company’s cost would count towards your plan maximum, leaving you with less coverage left for bigger procedures. With this upgrade, preventive care doesn’t take away from your plan maximum, giving you the most coverage for your needs.
HSA updates: Wilbur-Ellis’s HSA contributions will be changing from annually, to quarterly, and funding will depend on the chosen plan; $250/$500 quarterly for individual/family coverage under the HSA Yellow plan, and $100/200 quarterly for individual/family coverage under the HSA Black plan.
IRS HSA maximum increase: The HSA maximum contribution limits are increasing to $4,150 for individual coverage, and $8,300 for family coverage.
IRS FSA maximum increase: The IRS has increased the maximum contribution limits for Flexible Spending Accounts from $2,850 to $3,050.
New EAP vendor: The Wilbur-Ellis EAP carrier will be changing from Concern to Magellan.
If you have questions or need support with your benefits, please see the FAQ below “Where to Learn More about Your 2024 Benefits Options” or “Where to Find Enrollment Assistance.”
Remember, enrollment this year is active so you must take action during Open Enrollment from October 30 to November 13 in order to receive coverage for 2024. You can make an appointment to enroll at wilburellis.myannualenrollment.com or enroll yourself in Direct Access.
An HSA is an individually-owned account that allows you to set aside pre-tax dollars for medical expenses.
To open an HSA, you must be enrolled in a High-Deductible Health Plan (HDHP). Use the money in your HSA to pay for the plan’s deductible, coinsurance, and other non-covered eligible expenses.
An HSA must be set up with a qualified custodian or trustee.
If your HSA is established with the custodian after the first of the month, your HSA is effective the first of the following month.
Example: Your HSA is established with the custodian on January 15. Your HSA is effective February 1. If your HSA is established with the custodian on the first of the month, your HSA is effective that same day.
Example: Your HSA is established with the custodian on March 1. Your HSA is effective March 1.
Important: Once your HSA is established, you must log in to your online account or the WEX benefits mobile app and agree to the terms and conditions. You will not be able to access your funds until 24 hours after this step has been completed.
You are able to use your HSA funds to be reimbursed for services back to the original effective date of your enrollment, even if it was with another custodian at that time.
You are able to contribute to more than one HSA, but the total of all HSA contributions cannot exceed the annual limit set by the IRS. See Estimate your health savings account (HSA) contributions for more information. If you have family coverage, you and your spouse can decide how to split the maximum annual contribution between your HSAs.
To update your payroll contributions, contact HRSS@wilburellis.com.
It can take up to seven business days from the date funds were deducted from your payroll for them to be posted to your account.
You can continue contributing to your HSA once you turn 65 as long as you do not enroll in Medicare. Keep in mind you are automatically enrolled in Medicare Part A if you sign up for Social Security benefits. Your HSA will not be affected if your spouse enrolls in Medicare, but you as the primary accountholder do not. Once you enroll in Medicare, you can no longer contribute to your HSA, but can continue using funds in the account for eligible expenses.
You can use the funds for eligible expenses incurred by you as well as your legal spouse and tax dependents. You can use the funds for eligible expenses incurred by your legal spouse, regardless if you file taxes jointly. You can use the funds for eligible expenses incurred by your tax dependents, regardless if they are covered under your HDHP or a separate plan (HDHP or non-HDHP). The HSA coverage level (single or family) is based on the HDHP coverage level of the accountholder. The HSA coverage level only affects how much can be contributed, not whose eligible expenses funds can be used for on a tax-free basis.
No. If you open an HSA in your name, you cannot transfer the funds to an HSA owned by another individual. However, you can stop contributing to your account and instead contribute the family maximum to your spouse’s HSA.
I have funds in my interest-bearing account, so why is my benefits debit card declining? The debit card is only linked to the cash account. Consider raising your threshold so that more funds are kept in your cash account to cover your expenses. It takes approximately 5 – 7 business days for funds to move from the interest-bearing account to the cash account and vice versa.
The fair market value is the total dollar amount of the cash account and any invested funds.
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