Benefits Open Enrollment
Johns Hopkins Health System (JHHS) open enrollment for 2025 benefits is Oct. 16 – Nov. 1, 2024. Any changes you make during open enrollment will go into effect on Jan. 1, 2025.
This is your annual opportunity to enroll in, drop or change these benefits:
- Medical, dental and vision insurance
- Health and dependent care flexible spending accounts
- Supplemental life insurance
- Whole life insurance
- Long-term disability insurance
- Accident, critical illness and hospital indemnity insurance
- Prepaid legal services
Everything You Need To Know About Open Enrollment In 90 Seconds
If you don’t do anything during open enrollment, your current benefits will continue in 2025, except flexible spending accounts (FSA). If you want a health care or dependent care FSA for 2025, you must enroll in one during open enrollment. FSAs don’t carry over year to year.
Questions
Contact the HR Support Center at 443-997-5400 from 7 a.m. to 5 p.m., Monday-Friday, or hrsc@jhmi.edu .
Llame El Centro De Asistencia de Recursos Humanos al 443-997-5400, opción 9 de 7 a.m. a 5 p.m., de lunes a viernes, o mande un correo electrónico a hrsc@jhmi.edu .
Ver myBenefits En Español
Toda la información de sus beneficios están disponible en esta página de mybenefits, disponible en cualquier dispositivo. Para ver myBenefits en español, seleccione Spanish en el menú desplegable Choose Language.
Visite Recursos En Español para más información sobre los beneficios en español.
Before You Enroll
1. View your current benefits
Visit SmartSource to see which benefits you’re currently enrolled in.
2. See what’s new for 2025
Read below about changes to our benefits and employee contributions.
3. Attend a webinar
Coming soon! Register to learn about your benefits and ask questions.
What’s New for 2025
Contribution Changes
Johns Hopkins Health System pays most of the cost of your medical, dental and vision insurance, and 100% of your short-term disability and basic life insurance.
As we keep up with the growing demands of health care inflation while minimizing the impact on employees, there are modest changes to medical, dental and vision contributions.
FSA Contribution & Carryover Limits
Health care FSA
- You can contribute up to $3,200 in 2025 and carry over up to $640 from 2024.
- You have until March 31, 2025, to use the remaining funds in your 2024 FSA for claims incurred in 2024. Any funds over the $640 carryover limit will be forfeited.
Dependent care FSA
- You can contribute up to $5,000 in 2025.
- You have until March 31, 2025, to use the remaining funds in your 2024 FSA for claims incurred in 2024. You can’t carry over unused funds.
New Identity Theft and Fraud Protection
Aura Identity Theft Protection from MetLife helps you monitor and protect your personal information and recover your identity if stolen.
You can choose between two coverage levels: Individual or Family. You pay for coverage through payroll deductions.
Visit Extras for more information.
Vision Benefits Now Operate On A Calendar Year
Vision benefits will reset each calendar year on Jan. 1 instead of every 12 months.
Prepaid Legal Services Now Include Reproductive Assistance
MetLife Prepaid Legal Services now includes up to 20 hours of reproductive assistance services for things like surrogacy, adoption, egg, sperm or embryo donation and more.
New Medical Plan Options
As part of our harmonization efforts, Johns Hopkins Employer Health Programs (EHP) medical plans will be offered to All Children’s Hospital employees.
In addition to Allegiance medical plans, you can choose from two EHP medical plans:
- Johns Hopkins Exclusive Provider Organization (EPO) Plan
- Johns Hopkins Preferred Provider Organization (PPO) Plan
These are the same medical plans we offer to other JHHS hospitals and member organizations.
Compared to the Allegiance plans, the EHP plans …
- Have lower deductibles, so you’ll pay less out of pocket before the plan begins to pay.
- Have lower copays for in-network primary and urgent care visits.
- Use a larger Cigna network, so most employees can continue seeing their current providers.
Both the Allegiance and EHP plans …
- Use a combination of coinsurance and copays for the cost of care and can be paired with a health care FSA .
- Offer no-cost coverage for All Children’s providers – you’ll continue to pay nothing out of pocket (except for the emergency room).
- Administer prescription drug coverage through CVS Caremark and offer the same no-cost programs for specialty, asthma and diabetes medications.
Compare Plans And Provider Networks
View a side-by-side comparison of the Allegiance and EHP medical plans.
Search the Cigna network for your current Allegiance providers to confirm they’re in network with EHP or find other in-network doctors and facilities near you.
Need Help Choosing A Plan?
ALEX, your online benefits counselor, can provide personalized recommendations to help you make confident, informed choices.
Changing From Allegiance To EHP Medical Coverage
If you’re enrolled in an Allegiance medical plan in 2024 and enroll in an EHP plan for 2025, here are some important things to know:
- Health reimbursement account (HRA): If you’re currently enrolled in the Allegiance CDP plan, you’ll lose any unused HRA funds after Dec. 31, 2024.
- In-network providers: Search the Cigna network for your current providers to confirm they’re in network or find in-network doctors and facilities near you.
- Telehealth services: MDLIVE and Blueberry Pediatrics will be replaced by Johns Hopkins OnDemand Virtual Care and UpLift .
- Care support: You can access EHP’s care coordination for help with chronic conditions, maternity management and specialty appointments.
- No cost for All Children’s Hospital providers: You can continue accessing All Children’s Hospital physicians, providers and partner facilities for your dependent children at no cost.
- No-pay copay for asthma and diabetes medications: Copays for these medications will continue to be waived if you participate in EHP’s Care Management program .
Enroll on SmartSource
Visit SmartSource by Friday, Nov. 1 to enroll in or make changes to most benefits.
If you want to change or drop whole life insurance, contact Unum at 800-635-5597. There may be some cash value in your plan.
Important reminders:
- If you don’t want to make changes to your benefits or enroll in an FSA in 2025, you don’t need to do anything. Your current benefits, except FSAs, will continue in 2025.
- To enroll a dependent, you’ll need their SSN and proof of relationship, like a marriage or birth certificate.
SmartSource está disponible en español
En SmartSource, seleccione Español en el menú desplegable Welcome en la esquina superior derecha.
Need help enrolling?
If you have questions or need help enrolling, stop by an Open Enrollment Kiosk in OCC IT Training Room A & B at these times:
- Wednesday, Oct. 16: 7-10 a.m. and 11:30 a.m. – 2:30 p.m.
- Monday, Oct. 21: 7-10 a.m.
- Tuesday, Oct. 22: 12:30-2:30 p.m.
- Monday, Oct. 28: 7-10 a.m.
- Tuesday, Oct. 29: 3-6 p.m.
- Wednesday, Oct. 30: 7-10 a.m. and 2-5 p.m.
How to Enroll On SmartSource
Watch in English
Employees who were hired or newly eligible for benefits Oct. 16 – Dec. 31, 2024
The benefits plan year is Jan. 1 – Dec. 31. If you’re hired or newly eligible for benefits between Oct. 16 and Dec. 31, you must actively enroll in benefits or waive coverage for the rest of the 2024 and then actively enroll in benefits for 2025.
If you don’t enroll in or waive coverage for 2024, you won’t be able to enroll in coverage until the next open enrollment period, unless you have a qualifying life event.
More medical plan options for 2025
In addition to the Allegiance medical plans, we’re offering two Johns Hopkins Employer Health Programs (EHP) medical plans for 2025.
- If you want medical coverage for the rest of the 2024 plan year, you can enroll in an Allegiance medical plan.
- After you enroll in 2024 benefits, you can choose to enroll in a new EHP medical plan or stay enrolled in an Allegiance medical plan starting Jan. 1.
Learn more about the EHP plans on this page under What’s New for 2025.
Submit supporting documentation for dependents by Nov. 30
If you enroll dependents, you may be asked to provide supporting documentation. If you receive this request, you must provide the documentation by Saturday, Nov. 30. If you don’t, your dependents won’t have coverage in 2025.
Save your confirmation statement
You’ll need a copy of your confirmation statement if you have questions about your 2025 elections later.
- If you enroll during open enrollment: You can download a copy on SmartSource after you checkout. You’ll also receive an email confirmation after enrollment closes.
- If you don’t do anything during open enrollment: You can download a copy of your confirmation statement on SmartSource after enrollment closes.
Are your beneficiaries up to date?
A beneficiary receives your benefits if you die. Open enrollment is a great time to make sure your beneficiaries are up to date.
Life insurance: Visit SmartSource , go to your profile and select My Beneficiaries
Retirement: Sign in to Transamerica and select View Details > My Plan > Beneficiaries