2025 Benefits

Important: This page contains information about what you need to know for open enrollment and changes effective January 1, 2025.

Open Enrollment
is November 4 – 15

8×8 is focused on continuing to provide a competitive health and welfare package to our employees. We encourage you to read through the below important information regarding changes and reminders as you evaluate your needs during open enrollment for coverage in 2025.

Open Enrollment is your chance to…

Review

Plan changes taking effect January 1
Definition of eligible dependents
Current beneficiaries

Change

Your 2024 medical, dental, vision and voluntary life elections without a qualified life event

Make Elections

If you wish to make any changes to your current elections, you must submit those changes during the open enrollment timeframe for a January 1, 2025 effective date

2025 Flexible Spending Account(s)

Healthcare, Dependent Care, and Limited Purpose FSA must be elected every year
- 2024 elections do not rollover to the following year
Commuter FSA elections do rollover, you can adjust contributions at any time directly at HealthEquity

2025 Health Savings Account (HSA)

Required in order to receive the 2025 Employer contribution
Elect a $0 or up to the maximum amount as an employee contribution
Employee contributions can be changed at any time

Add / Remove

Eligible dependents

Spouse, domestic partner
Children up to age 26
Disabled children only – subject to carrier’s disability process

Important Reminders

Open enrollment benefit selections will take effect on January 1, 2025.
You can use Benefitsolver’s Decision Support tool for help selecting the benefits that are a good match for you.
Take Advantage of Sofia, your personal benefits assistance, during enrollment for answers to the most asked questions.

What if I take no action?

2024 elections for medical, dental, vision and voluntary life plans will rollover to 2025
2024 FSA elections will default to $0 for 2025.
2024 HSA employer contribution will default to $0 as of January 1, 2025.

Medical

Personify Health (Formerly Health Comp)/Anthem

Our medical network is not changing but HealthComp is re-branding to the name Personify Health. You will start to see this name throughout our communication materials.

We will continue to offer a PPO and PPO with HSA plan option in 2025 for our nationwide plan options. These plans have minimal changes for the upcoming year, as outlined below:

PPO Plan Updates

PPO Plan

In and out-of-network deductible increase to $1,000 individual/$2,500 family
In-network out of pocket maximum increase to $4,000 individual/$8,000 family
Out-of-network out of pocket maximum increase to $4,500 individual/$9,000 family

PPO w/ HSA Plan Updates

PPO w/ HSA Plan

In and out-of-network deductible increase to $2,000 individual/$4,000 family
In-network out of pocket maximum increase to $4,000 individual/$8,000 family
Out-of-network out of pocket maximum increase to $6,500 individual/$13,000 family

View Plan Designs

We encourage you to review the full plan designs by clicking the plans below. Bolded in blue is what has changed for 2025.

8×8 PPO Plan Details

8×8 PPO with HSA Plan Details

Pharmacy

National CooperativeRx and CVS Caremark

We are excited to announce, beginning on January 1, 2025, CVS Caremark will replace Liviniti as our pharmacy partner. With this transition to CVS Caremark, the pharmacy benefit will remain similar to the prior year, ensuring you have continued access to medication coverage and a national network of pharmacies. However, there may be some differences in which medications are covered and how they are covered under the pharmacy benefit. To confirm if your current prescription is covered by CVS Caremark, visit caremark.com beginning in late December, 2024 and select the Advanced Control Specialty Formulary. CVS Caremark will be sending a letter to members impacted by a tier or coverage change.

Resources During the Transition to CVS Caremark:

If you have any questions related to the transition to CVS Caremark, you may call the Customer Care Team at 1-866-818-6911 beginning on January 1, 2025.
Visit the National CooperativeRx and CVS Caremark benefits page for more information, including how to find an in-network pharmacy, register for the member portal or mobile app and more.

What does this mean?

Before January 1st, you should try to get one last fill of medications on the old plan.

Liviniti will transfer any active prescriptions to the mail pharmacy vendor with CVS Caremark so you won’t have to obtain new prescriptions for mail. View the Caremark Maintenance Choice Flyer to get started.
Liviniti will transfer active prior authorizations to CVS Caremark for medications on the Advanced Control Specialty Formulary (drug list).
New Member ID Card: Due to the new pharmacy partner, you will receive a new ID card.

CVS Caremark Digital Tools

Find a pharmacy
View your claims history
Download a digital pharmacy card
View which drugs are covered under your plan

Your Prescription Coverage Reminder

Ensure your prescription is processed through CVS Caremark and not Anthem. Anthem is your provider network not your prescription coverage.

View Contributions

8×8 continues to focus on providing competitive options to our population in effort to provide choice to suit you and your family’s varying needs. Contribution changes for the 2025 plan year can be found under the contacts and resources section of our 2025 open enrollment webpage. A high level summary by line of coverage as follows:

Personify Health (Formerly Health Comp): Contribution increases on a per pay basis for all plan options and tiers

Kaiser: Contribution increases on a per pay basis for all plan options and tiers

Dental: Minimal contribution increases on a per pay basis for all plan options and tiers

Vision: Minimal contribution increases on a per pay basis for all plan options and tiers

View Medical Contributions

View Dental Contributions

View Vision Contributions

View Voluntary Life and AD&D Contributions

Medical – 8×8 PPO	All Employees
Employee Only	$92.23
Employee + Spouse	$224.38
Employee + Child(ren)	$187.86
Employee + Family	$329.30
Medical – 8×8 PPO with HSA	–
Employee Only	$32.19
Employee + Spouse	$112.35
Employee + Child(ren)	$84.18
Employee + Family	$158.15
Medical – Kaiser Deductible HMO $1,000 / $2,000
Employee Only	$95.73
Employee + Spouse	$241.18
Employee + Child(ren)	$209.12
Employee + Family	$328.62
Medical – Kaiser Deductible HMO $3,000 / $6,000
Employee Only	$74.40
Employee + Spouse	$178.44
Employee + Child(ren)	$154.15
Employee + Family	$251.77

Voluntary Life Rates

Age	Employee Rate Per $1,000	Spouse Rate Per $1,000
0-19	$0.05	$0.05
20-24	$0.055	$0.055
25-29	$0.06	$0.06
30-34	$0.08	$0.08
35-39	$0.09	$0.09
40-44	$0.112	$0.112
45-49	$0.192	$0.192
50-54	$0.322	$0.322
55-59	$0.0553	$0.0553
60-64	$0.662	$0.662
65-69	$1.27	$1.27
70+	$2.06	$2.06
Child Rate Per $1,000	$0.143

Employees may elect supplemental life insurance in $10,000 increments. If you elect coverage for yourself, you may elect coverage for your spouse/domestic partner and/or dependent children.

You may elect spouse/domestic partner coverage in increments of $10,000 with the minimum elected amount being $10,000 and the maximum amount $500,000.

You may elect coverage for dependent children in the amount of $10,000.

Supplemental AD&D Rates

Coverage Type	Monthly Rate per $1,000
Employee	$0.025
Spouse	$0.025
20-24	$0.025

Guarntee Issue Amounts

	Guarantee Issue	Increments	Minimum	Maximum
Employee	$150,000	$10,000	$10,000	$500,000
Spouse	$50,000	$10,000	$10,000	$500,000
Child	$10,000	$10,000	$10,000	$10,000

If you do not elect coverage for yourself, you may not elect supplemental life coverage for any dependents.

How Do I Calculate My Cost for Supplemental Life?

Step 1: Enter the amount of coverage you’d like for you, your spouse, and your child(ren).
Step 2: Divide each amount by $1,000.
Step 3: Using the rates table find the appropriate rate per $1,000 of coverage for each person.
Step 4: Multiply each answer from step 2 by the appropriate rate.
Step 5: Add your answers from Step 4 together to find your total monthly cost.

Kaiser Plans

Medical Plan Updates

We will continue to offer two plan options in 2025. In effort to manage cost of the program effectively, there are plan design changes that will be taking place for both of these plan offerings in 2025. We encourage you to review the new plan design options outlined under the Kaiser section of our benefits webpage for 2025. Please note, due to these changes, you will see new Kaiser plan names incorporated into our communication materials.

View Plan Designs

We encourage you to review the full plan designs by clicking the plans below.

Kaiser HMO Plan Details $1,000 / $3,000

Kaiser Deductible HMO Plan Details $3,000 / $6,000

New Employer Sponsored Health Benefits

Health Advocate

All Personify Health (Formerly HealthComp) medical enrolled employees will have access to Health Advocate, a resource to help you manage your healthcare or insurance issues. An experienced expert will take your issues out of your hands and resolve them on your behalf. This includes helping you understand your coverage, resolve claims and billing issues, understand health conditions and more! To learn about your Health Advocate services and the many ways they can help you and your family visit the Health Advocate page.

Noom

Noom is a behavioral change program that offers personalized coaching, educational content, peer support and tracking tools to help you achieve the health outcomes that you are looking for, whether that’s losing weight, managing diabetes, support while taking a GLP-1 or improving your overall health. This program is available at no additional cost to all nationwide PPO plan enrollees and covered dependents. Dependents under the age of 18 are excluded.

Please refer to the Noom benefits page for more information and how to get started.

One Medical

One Medical, a membership-based primary care doctor’s office, will be available to all 8×8 employees and their covered dependents enrolled in a Personify Health (Formerly HealthComp) medical plan. One Medical helps with:

Everyday care and prevention
Care for urgent concerns
Colds, flu and COVID-19
Mental health
Sexual health
Chronic conditions
LGBTQIA+ services

Book same/next-day appointments, request prescription renewals, and schedule remote visits with a provider if you can’t make it into the office — all from their app. And just like a regular doctor’s office, One Medical works with your insurance. More information can be found by referencing the One Medical section on our benefits website.

How do you get started?

Activate your membership today using code: On 1/1/2025, your 8×8 HR team will provide the code to activate your membership.

Enhanced Voluntary Benefit

PetPartners

8×8 is pleased to introduce pet insurance, now available through PetPartners, as a new benefit to help protect you and your furry family members from unexpected vet expenses for covered accidents or illnesses. Dogs and cats can be enrolled from 8 weeks to 13 years old and once covered, the policy will remain active regardless of age. To enroll in coverage, visit your benefits enrollment portal, BenefitSolver.

Please refer to the PetPartners benefits page for coverage information, pre-existing conditions and more!

Plan Feature	In-Network	Out-of-Network
Plan Network	Anthem Blue Cross
Plan Deductible (Indv./Fam.)	$1,000/ $2,500	$1,000/ $2,500
Out of Pocket Maximum (Indv./Fam.)	$4,000/ $8,000	$4,500 / $9,000
Lifetime Maximum	Unlimited
Plan Coinsurance	10%	40%
Preventative Care Office Visit	No charge (deductible waived)	40% after deductible
Office Visit	$40 copay (deductible waived)	40% after deductible
Specialist Office Visit	$40 copay (deductible waived)	40% after deductible
LiveHealth Online Televisit	No charge (deductible waived)	Not covered
Mental Health (Outpatient)	Office Visit: $40 (deductible waived) Outpatient: 10% after deductible	40% after deductible
Basic Lab & X-ray	10% after deductible	40% after deductible
Complex Lab & X-ray	10% after deductible	40% after deductible
Hospital Services	10% after deductible	40% after deductible
Emergency Room	10% after deductible
Prescription Drug
Deductible	None	None
Generic / Brand / Non-Formulary (up to 30-day supply)	$15 / $30 / $45 copay	Not Covered
Specialty (up to 30-day supply)	30% up to a $200 copay	Not Covered
Mail Order Rx (up to 90-day supply)	$30 / $60 / $90 copay	Not Covered

Plan Feature	In-Network	Out-of-Network
Plan Network	Anthem Blue Cross
Plan Deductible (Indv./Fam.)	$2,000 / $4,000
Out of Pocket Maximum (Indv./Fam.)	$4,000 / $8,000	$6,500 / $13,000
Lifetime Maximum	Unlimited
Plan Coinsurance	10%	40%
Preventative Care Office Visit	No charge (deductible waived)	40% after deductible
Office Visit	10% after deductible	40% after deductible
Specialist Office Visit	10% after deductible	40% after deductible
LiveHealth Online Televisit	$59 per visit	Not covered
Mental Health (Outpatient)	10% after deductible	40% after deductible
Basic Lab & X-ray	10% after deductible	40% after deductible
Complex Lab & X-ray	10% after deductible	40% after deductible
Hospital Services	10% after deductible	40% after deductible
Emergency Room	10% after deductible
Prescription Drug
Deductible	Combined with medical
Generic / Brand / Non-Formulary (up to 30-day supply)	$15 / $30 / $45 copay after deductible	Not Covered
Specialty (up to 30-day supply)	30% up to a $200 copay after deductible	Not Covered
Mail Order Rx (up to 90-day supply)	$30 / $60 / $90 copay after deductible	Not Covered

Dental – Delta Dental
Employee Only	$2.71
Employee + Spouse	$16.13
Employee + Child(ren)	$22.72
Employee + Family	$38.17

Vision – VSP
Employee Only	$1.51
Employee + Spouse	$3.78
Employee + Child(ren)	$3.79
Employee + Family	$6.79

Plan Feature	In-Network
Plan Deductible (Indv./Fam.)	$1,000 / $2,000
Out of Pocket Maximum (Indv./Fam.)	$3,000 / $6,000
Lifetime Maximum	Unlimited
Plan Coinsurance	20% after deductible
Preventative Care Office Visit	No charge
Office Visit	$30 copay
Specialist Office Visit	$40 copay
My Doctor Online Televisit	No charge
Mental Health (Outpatient)	Office Visit: $30 copay
Basic Lab & X-ray	$10 copay per encounter
Complex Lab & X-ray	20% up to $150
Inpatient Hospital Services	20% after deductible
Outpatient Services	30% after deductible
Urgent Care	$30 copay
Emergency Room	20% coinsurance
Prescription Drug
Deductible	None
Generic / Brand / Non-Formulary (up to 30-day supply)	$10 / $30 / $30 copay
Specialty (up to 30-day supply)	20% up to a $250 copay
Mail Order Rx (up to 100-day supply)	$20 / $60 / $60 copay

2025 Benefits

Open Enrollment is November 4 – 15

Open Enrollment is your chance to…

Review

Change

Make Elections

Add / Remove

Important Reminders

What if I take no action?

Medical

Personify Health (Formerly Health Comp)/Anthem

PPO Plan Updates

PPO w/ HSA Plan Updates

View Plan Designs

Pharmacy

View Contributions

Kaiser Plans

View Plan Designs

New Employer Sponsored Health Benefits

Enhanced Voluntary Benefit

Open Enrollment
is November 4 – 15