For the 2025-2026 plan year, we are making benefit changes that benefit YOU!

We are making slight changes to our benefits for the 2025-2026 plan year. This is a PASSIVE enrollment if you are currently enrolled in one of the BCBSIL medical plans. All of your benefit elections will carry over from the previous year.

If you live in California and are currently enrolled in the Kaiser medical plan, this is an ACTIVE enrollment. You must re-elect all coverages to continue your benefits.

Also, if you have an HSA or FSA, you must actively reelect coverage to continue your benefits. We encourage you to review your current benefit plans and decide which plans are best for you and your family.

Medical and Prescription Drug

- The premium increase will be 5% for Plan 1, 10% for Plan 2, and 12% for Plan 3. The Kaiser Permanente premium increase will be 5.7%. All of these increases will be regardless of the coverage tier selected.
- The Kaiser Permanente individual deductible will be increasing from $750 to $1,500, the individual Out-of-Pocket Maximum will be increasing from $3,000 to $4,000, and many copays/coinsurances will be increasing. One example is the primary care office visit copay increasing from $35 to $40. See your Benefit Guide and plan documents for all the copay/coinsurance details and for more information about the new plan design.
- First Stop Health is available for all virtual health needs if you are enrolled in a BCBSIL medical plan.
- Per ACA guidelines, the Plan 1 individual deductible will be increasing from $3,200 to $3,300. The Plan 1 family deductible will be increasing to $6,600.
- There are no changes to your current prescription drug plans.

Dental

- There are no changes to your dental plan design for this plan year.
- There will be a 5% increase to your weekly and bi-weekly costs for those enrolled in the dental plan.

Vision

- There are no changes to your vision plan design or cost for this plan year.

Spending Accounts

- We partner with Inspira Financial for the Health Savings Account (HSA) and Flexible Spending Accounts (FSA).
- All FSA claims need to be submitted through Inspira Financial with the exception of medical plan copays (these will be substantiated automatically). All claims should be submitted through Inspira Financial at inspirafinancial.com.

Life and Disability

- There are no changes to the current cost structures for any of our Life or Disability plans
- This year, we are offering current and new enrollees the option to increase your Supplemental Life Insurance by $50,000 up to a total election of $300,000 without Evidence of Insurability (EOI); anyone previously declined coverage will be required to submit EOI.

Voluntary Benefits

- Regardless of waiving coverage in the past, you may enroll or increase your Critical Illness election up to $30,000 without submitting EOI.
- You may also enroll in Hospital Indemnity and Accident without submitting EOI.

401(k) Plan
- We will continue to offer our 401(k) plan through Fidelity

Additional Information

Wellness Incentive

For employees enrolled in the BCBSIL medical plan, you can earn a 2026 medical premium credit of up to $600 for individual and $1,200 for employee and spouse (if both members participate) when you complete your annual physical with your physician on or before December 31, 2025. Beginning January 1, 2025, you can start working on earning the 2026 incentives.

Spousal Surcharge

There will be a $100 monthly spousal surcharge for working spouses who have other sponsored medical coverage.

If your spouse is enrolled as a dependent under your Brock Health Plan but has access to medical coverage through their employer, you will have to pay a $100 surcharge each month in addition to your medical plan premiums. Take the time to review both your spouse’s employer-sponsored medical coverage and your Brock medical coverage options to make the choice that’s right for you and your family.

Historical data shows that the cost/utilization of a covered spouse is more than double that of employees and covered children. This is a significant driver in the increasing costs of the Brock Health Plan. Therefore, we want to encourage our working spouses to enroll in their employers’ plan, if available.

Tobacco Surcharge

There will be a $100 monthly surcharge for tobacco utilization.

If you or your spouse use tobacco products and do not enroll in and complete a tobacco cessation program through the American Lung Association, you must pay a $100 surcharge each month per user in addition to your medical plan premiums. Tobacco products include cigarettes, cigars, snuff, chewing tobacco, and any other nicotine delivery systems such as ecigarettes or vaping.

Tobacco use and secondhand smoke cause illnesses such as lung cancer, coronary heart disease, stroke, and respiratory problems. One out of every three cancer deaths is caused by smoking. As a result, this is a major driver in the increase in Brock health care costs. We want to encourage all employees using tobacco to enter a tobacco cessation program. If you’re interested in participating in the tobacco cessation program, please contact Brock benefits by calling 844.55.BROCK.

Wondr Health

Wondr Health is an online program that focuses on when and how you eat, instead of what you eat. You don’t need to count points or avoid certain foods: You can still eat the foods you love while losing weight and improving your health! Because the program is all online, you can log on at your convenience when you’re ready to start your journey!

Employees, spouses and covered dependents over age 18 enrolled on the BCBSIL medical plan are eligible to participate.

There is no cost for eligible participants! Wondr Health is covered as a preventive medical expense under your health plan.

Click here to learn more and enroll.

Hinge Health

Hinge Health is an online program that seeks to help you improve your joint health without medication or medical procedures!

Participants will receive a tablet and wearable sensors, 1-on-1 coaching, and exercise therapy personalized for your needs. Using Hinge Health, you can manage and improve chronic back, knee, hip, shoulder, and neck pain!

Employees, spouses and covered dependents over age 18 enrolled on the BCBSIL medical plan are eligible to participate, at no cost to you!