2025 Open Enrollment: November 6 – November 22

Welcome to Your 2025 Benefits Preview

We’re committed to supporting the health and well-being of the DCC Propane team and aim to provide affordable, comprehensive healthcare options. Please take a few minutes to watch this informational video, as it explains essential updates to our benefits plan and helps prepare you for this year’s open enrollment. We ask that you watch at least the first 35 minutes to gain a solid understanding of these changes before you begin your enrollment.

2025 Open Enrollment:  November 6 – November 22

This year’s enrollment is ACTIVE. All employees must log in and make selections to maintain or modify benefits for 2025. You will not be automatically re-enrolled.

Enrollment Support

Please use the attached detailed benefits presentation to help guide you through this year’s changes. We will also be providing a Benefit Summary Booklet, rate sheets, and scheduling Department/Market informational sessions to guide you through this year’s changes.

Key Changes to the 2025 Benefits Plan

• Overall Health Plan Design
  • High Deductible Health Plans (HDHPs) now available, with a company HSA contribution tailored to your chosen plan.
  • The traditional $1,500 PPO plan has been discontinued.
  • Participation in the Wellness Program is strongly encouraged to avoid a mid-year insurance surcharge.
  • Funds are redirected from low-use programs like Livongo and Hinge Health to support the EmPower Wellness program.
• Cost-Sharing Adjustments
  • DCC Propane will continue covering 70-85% of premiums, with details for each plan tier:
    • $2,000 deductible: 70% employer / 30% employee split
    • $3,500 deductible: 78% employer / 22% employee split
    • $5,000 deductible: 100% employer-paid for employee-only coverage; 85% employer / 15% employee for dependent coverage
  • Streamlining ancillary insurance providers to leverage better rates and enhance benefits.
• Eligibility Requirements
  • Starting January 1, 2025, full-time benefits eligibility requires an average of 30 hours per week (1,560 hours per year).

Additional Program Changes

• Vision & Dental
  • VSP Vision remains with a minor reduction in contact lens allowance (from $170 to $150).
  • Delta Dental now offers expanded adult orthodontia coverage at lower rates.
• Life & Disability Insurance
  • MetLife is being replaced by New York Life.
  • Short-term and long-term disability, as well as basic life insurance (up to 2x annual salary), are provided at no cost.
  • Guaranteed issue voluntary life insurance available up to $200,000 (employee), $50,000 (spouse), and $10,000 (children).
• Health Savings Account (HSA) Contributions
  • Company HSA contributions based on coverage:
    • $2,000 HDHP: $250 for employee-only, $500 for employee + dependents
    • $3,500 HDHP: $500 for employee-only, $1,000 for employee + dependents
    • $5,000 HDHP: $500 for employee-only, $1,000 for employee + dependents
• Flexible Spending Accounts (FSAs)
  • FSAs are being discontinued; all claims must be submitted by December 31, 2024.
• Wellness Incentives
  • Earn up to $500 in additional HSA funds by completing wellness activities in the EmPower program by December 31, 2024.

HSA Bank

HSAbank is the organization that we use for our HSA Savings Accounts. On their website, they have a calculator available that can help you to determine which plan is best for you: Health plan comparison calculator  (make sure you select the second option “HSA plan vs HSA plan”). They also provide a calculator to help determine how much money you should consider contributing to your HSA (HSA contribution calculator) as well as other tools in their Learning-Center

Important Documents