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 care 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.
To harmonize benefits across the health system, we are changing employee contributions for our medical, dental and vision plans. These necessary changes will help us align contribution structures across the health system and stay competitive in the market while being equitable.
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.
Employer Health Programs (EHP) Medical Plan Enhancements
- Increased coverage for ambulatory surgery center: The amount the plan pays after the deductible for in-network ambulatory surgery center services will increase to 85% for Cigna providers and 95% for EHP providers.
- No cost for All Children’s Hospital providers: The deductible, coinsurance and copay will not apply to All Children’s Hospital physicians, providers or partner facilities for dependent children (excluding the emergency room). You’ll pay nothing out of pocket.
- No visit limit for occupational, physical or speech therapy: The number of covered visits for occupational, physical and speech therapy will be unlimited.
- Increased visit limit for home health services: The number of covered home health visits each plan year will increase from 40 to 180.
- Expanded infertility provider network: The Florida Fertility Institute and Reproductive Medicine Group will be covered as in-network infertility providers.
View a side-by-side comparison of the EHP medical plans.
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.
If you want to enroll in or drop long-term care insurance, contact Unum at 866-679-3054 or request enrollment materials on the Unum website.
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.
How To Enroll On SmartSource
Watch in English
Employees who were hired or newly eligible for benefits Oct. 16 – Nov. 30, 2024
The benefits plan year is Jan. 1 – Dec. 31. If you’re hired or newly eligible for benefits between Oct. 16 and Nov. 30, 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.
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