Take Action
Review this page to find out what you need to know and what you need to do during Open Enrollment. Then enroll in your 2025/2026 benefits between May 19 and June 6. After Open Enrollment ends, you can’t change your benefit elections unless you experience a Qualifying Life Event. Click here to read a letter from our Chief Human Resources Officer, Sean Vanderelzen, regarding your 2025/2026 benefits.
Current UnitedHealthcare Standard PPO enrollees: Starting July 1, 2025, this plan will no longer be offered. You will need to select a new medical plan; otherwise, you will not have medical coverage in the new plan year.
All other medical plan enrollees: If you are currently enrolled in the Premium PPO, Premium Plus PPO, or Kaiser Permanente DHMO plans, you will need to review your current plan information, enrolled dependents and premium contributions to ensure you have the coverage you need. If you do not take action, your existing medical coverage will roll over to the next plan year (beginning July 1).
Flexible Spending Account (FSA) enrollees: You will be required to enroll and choose your annual contribution amounts during Open Enrollment to continue contributing to these accounts in the new plan year. If you currently have a benefit debit card for the FSA plan, you will not get a new one for the next plan year unless your current card has expired. If you have a balance over the $660 carryover amount, you will forfeit those additional dollars unless you spend them before the new plan year.
It’s important to carefully consider how much to contribute to your FSAs each year because FSA funds are “use it or lose it.” In other words, you will forfeit any amount remaining in your FSA that is not spent and reimbursed by June 30. IRS rules do allow team members to rollover a maximum of $660 of unused Healthcare FSA funds to the following plan year, as long as you actively enroll in the FSA the following plan year.
All other coverage: Please review all other coverages, including dental, vision, life and disability insurance. If you want to keep the same coverage, then you do not need to take action – your current coverages will roll over to the next plan year (beginning July 1). You will have the opportunity to view your current elections in Workday during Open Enrollment. You can then make changes and save your choices for the 2025/2026 plan year.
What’s Changing
Each year we review our benefit plans to ensure we remain competitive and offer the best options to our team members. For 2025/2026, we are pleased to offer some exciting changes.
During this period, May 19 – June 6, you should review your current benefits and confirm if you need to make any changes for the upcoming plan year. Once you enroll, your benefits will become effective July 1st, 2025.
Here’s what’s changing:
Standard PPO
We will no longer offer the UnitedHealthcare Standard PPO plan. If you are currently enrolled in the Standard PPO plan, you need to select a new medical plan; otherwise, you will not have medical coverage in the new plan year (beginning July 1, 2025).
NEW! High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
We are excited to introduce a new medical plan option designed to provide you with the flexibility to save for future healthcare costs. The HDHP with HSA includes an employer contribution ($250 for individual coverage / $500 for family coverage), which means that Lineage will contribute funds to your HSA. The HSA is a triple-tax-advantaged account, allowing you to contribute, invest and grow your savings. The total amount that you and Lineage can contribute to your HSA in 2025/2026 is $4,300 for individuals and $8,550 for families. Additionally, team members who are 55 or older can contribute an extra $1,000 annually.
Plan at a glance
With the HDHP, you have a higher plan deductible than the other two medical plan options. But Lineage will provide an employer contribution to your HSA to help cover eligible costs for medical, dental, vision expenses and more. You can also make your own pre-tax contributions (through payroll deductions), which will reduce your taxable income and help your savings continue to grow.
How it works
- You pay 100% of your medical and prescription costs until you meet the annual deductible
- After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority
- You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year
- You will have access to a tax-free HSA to pay for eligible expenses and plan ahead for future costs. Lineage contributes money to your account, too
- For more details about how the HDHP compares to your other medical plan options, view the 2025/2026 Medical Plans Overview
Get a triple tax advantage!
- Contribute money tax-free.* You contribute to your HSA through pre-tax payroll deductions. You can change, stop or restart your contributions anytime
- Spend money tax-free.* Use your HSA to pay for eligible medical, dental and vision expenses for you and your family. Make payments with your HSA debit card or through the WEX website (provided sufficient funds are in your account) or reimburse yourself later
- Grow your money tax-free. The HSA works like a bank account, owned by you. All the money in your HSA is yours to keep – there is no “use-it-or-lose-it” rule. Anything you don’t spend rolls over each year. You can earn tax-free interest and even invest your money once it reaches a minimum balance, giving you the potential for tax-free growth and a way to plan ahead for future expenses. Even if you leave or retire, the funds you deposit are yours until you spend them on qualified health-related expenses
- And, get company funding! Lineage will contribute to your account tax-free! The employer contribution is made over time, with a proportional amount deposited into your HSA every paycheck
* HSA contributions are not subject to federal income tax, but are currently subject to state income tax in CA and NJ. Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.
Getting started with the HSA
To receive the employer contribution and your contributions elected through payroll deductions, you must take the following actions:
First, enroll in the HDHP and open your HSA with WEX to receive the employer contribution and your contributions. You will receive more details on how to complete these steps from WEX after enrollment. From the login screen at benefitslogin.wexhealth.com, click "Get Started" under the New User section and complete the required fields. You’ll receive an email with a one-time password to continue account setup and an HSA debit card will be sent to your mailing address on record.
You will elect your HSA contribution amount during Open Enrollment but can change it anytime during the year, up to $4,300 or $8,550 for those with dependents. Additionally, team members who are 55 or older can contribute an extra $1,000 annually. You can manage your account through the WEX website, and your HSA balance will grow as deposits are made from each paycheck. Your contributions and employer contributions will be available and ready to use once your HSA account is opened with WEX.
Note: If you have an HSA with a prior employer, you have the option of transferring those funds to the Lineage HSA.
Current FSA enrollees
If you have an FSA, check your balance by calling the number on your WEX card or by logging in to your WEX account. The deadline is June 30 to submit claims for expenses. If you elect a 2025/2026 FSA, a new FSA debit card will be mailed to your mailing address on record. Now is a good time for you to ensure your mailing address is correct in our system.
If you decide to enroll in the HDHP with HSA
Please note: If you are currently enrolled in the Healthcare FSA and plan to enroll in the HDHP with HSA, you will be able to contribute to a Limited Purpose FSA for eligible dental and vision expenses only. Please aim to spend your remaining FSA funds before June 30; any remaining funds up to $660 will automatically carryover into your Limited Purpose FSA. You may continue to submit expenses incurred prior to June 1st, 2025 for reimbursement of any eligible medical, dental or vision expenses through the runout period, ending on September 28th. If you still have remaining funds in the account after the runout period, those funds will be available for reimbursement of dental or vision expenses only incurred after July 1.
FSA example:
Today, Robert is enrolled in the Premium Plus medical plan and the medical FSA plan. As of July 1, 2025, Robert enrolls in the HDHP with HSA plan. Robert has $420 left in his medical FSA to rollover. Since he has enrolled in the HDHP, he may submit eligible medical, dental or vision expenses for reimbursement against this balance prior to September 28th (the end of the 90-day runout period). If funds are still remaining, they will be available to reimburse eligible dental or vision expenses only incurred after July 1, 2025. Per IRS rules, medical expenses may not be reimbursed under a limited purpose FSA when a member is also making/receiving HSA contributions.
Comparing saving and spending accounts
| HSA | Limited Purpose FSA | Healthcare FSA | Dependent Care FSA | |
| Eligible medical plan | HDHP only | HDHP only | Premium Plus PPO, Premium PPO or DHMO plans | Available to all team members |
| Eligible expenses | Eligible medical, dental, vision, and prescription out-of-pocket expenses, over-the-counter medications | Eligible dental and vision expenses only | Eligible medical, dental, vision, and prescription out-of-pocket expenses, over-the-counter medications | Eligible dependent care expenses such as day care, after-school care or home care for dependents 13 or under |
| Lineage contributions | Yes | No | No | No |
| Rollovers | Unused amounts can roll over to help cover future expenses | A maximum of $660 of unused funds can roll over to the following plan year if you re-enroll during Open Enrollment | A maximum of $660 of unused funds can roll over to the following plan year if you re-enroll during Open Enrollment | Unused balance will be forfeited and cannot be rolled over |
All other changes
Minor 2025/2026 updates to Premium Plus PPO and Premium PPO plan copays
Starting July 1, both UnitedHealthcare plans will have slight copay increases for specialist visits and mail order prescription drugs.
Kaiser Permanente DHMO plan changes (California only)
There have been some adjustments to the Kaiser Permanente DHMO plan, including an increased deductible of $750 for individual coverage and $1,500 for family coverage. Coinsurance will increase to 20%, and certain copays have also increased. The out-of-pocket maximum will increase to $3,000 for individual coverage and $6,000 for family coverage. For more information, see the 2025/2026 Medical Plans Overview.
Dental plan coverage enhancements
We are moving from Delta Dental of California to Delta Dental of Michigan for administration of your benefits. We are also expanding benefits under the Premium Plus plan to include coverage for implants.
Vision plan coverage enhancements
For VSP coverage, we have increased the allowance to $250 for the Enhanced plan and $150 for the Basic plan for wholesale frames purchased through Walmart, Sam’s Club and Costco.
- If you are enrolled in the Basic plan, you will also have an increased contact lens allowance of $150 for elective contact lenses
Flexible spending account (FSA) IRS contribution and carryover limit increases
The maximum contribution amount for a Healthcare or new Limited Purpose FSA will increase to $3,300 in 2025/2026. The contribution limit for the Dependent Care FSA will not increase. If you re-enroll in these accounts during Open Enrollment, you can roll over a maximum of $660 of unused funds to the 2025/2026 plan year – all other remaining funds will not carry over.
Wellbeing incentive program
Coming soon! We will be launching a wellbeing incentive program to better help you take charge of your physical, financial, emotional and social wellbeing. More details will be available in the coming months.
2025/2026 Costs
To keep up with the rising cost of healthcare, some plans will have changes in coverage costs. These adjustments align with industry standards, help us remain competitive and ensure we continue to provide exceptional benefits. There will be no rate increases for dental coverage and short-term disability coverage. To view your costs for coverage, visit Workday.
NEW! Medical Plan Decision Support Tool
Need help deciding which medical plan is right for you? Our new Medical Plan Decision Support Tool is available during Open Enrollment to help you compare your costs under each Lineage medical plan and make an informed decision based on your healthcare needs. Access the tool directly through Workday to get started.
How to Enroll
The Workday website is where you can enroll in benefits. Log in now to get started. If you have questions or need assistance, call 1-844-537-5300 — representatives are available to help you Monday-Friday, 9:30 AM to 5:30 PM CT.
Log in
When you’re ready to enroll, visit your Workday home page, then click into “My Tasks” in the top right corner of the screen. From there, you’ll see that you have an “Open Enrollment” task assigned to you. Click on “Let’s get started!”
Make your elections
You will first be asked if you are a tobacco user — this information will be used to create your personalized rates for certain insurances. Once you are in the Enrollment task, you’ll see your benefit choices as tiles on the screen. To enroll in a benefit, simply click on the associated tile, and you’ll be guided through the enrollment process, which may include enrolling dependents or making additional selections. After you finish, you will be returned to the main screen with all of your benefit options.
You’ll need to enroll in each benefit individually, so select the tile for each benefit you’d like to enroll in and complete the process. To complete your enrollment, keep two things in mind:
- You need to actively elect Short-Term Disability (STD) coverage. You will not be automatically enrolled. When enrolling in STD, you must select both “Employer” and “Employee” contributions.
- You do not need to actively elect Life & AD&D insurance or Long-Term Disability (LTD) to receive benefits. These are fully paid for by Lineage. However, you will need to assign beneficiaries for both types of insurance to be able to complete your enrollment.
Submit your elections
Once you have enrolled in all individual benefit choices, you can select the “Review and Sign” button on the bottom left of the screen to complete enrollment. After you submit your choices, you will see your Benefits Statement in Workday. Review the statement to ensure your elections are accurate and make any necessary changes. Don’t forget that you can review your coverage at any time by visiting your benefit profile in Workday.
Do I need to enroll?
If you are currently enrolled in the Standard PPO plan, you will need to select a new medical plan. If you are currently enrolled in the Premium Plus PPO, Premium PPO or DHMO plan, you will need to review your current plan information, enrolled dependents and premium contributions to ensure you have the coverage you need. To continue contributing to the Healthcare FSA and/or Dependent Care FSA in the new plan year, you are required to enroll and choose your annual contribution amounts each year.
Don’t miss out
After Open Enrollment ends, you can’t change your benefit elections unless you experience a Qualifying Life Event (QLE). Your coverage will be effective July 1, 2025 and valid through June 30, 2026.
HDHP with HSA enrollees: Set up your HSA account
If you enroll in the new HDHP with HSA, you will need to open and activate your HSA account to receive the employer contribution and your contributions. You will receive more details on how to complete these steps from WEX after enrollment. From the login screen at benefitslogin.wexhealth.com, click "Get Started" under the New User section and complete the required fields. You’ll receive an email with a one-time password to continue account setup and an HSA debit card will be sent to your mailing address on record.
Save for your future
Don’t forget that Lineage offers a 401(k) to help you save for the future. You can enroll or make changes anytime, not just during Open Enrollment. Log in to your Vanguard account and change your contribution rate, investment selections or beneficiaries.
Have more questions?
Call 1-844-537-5300, Monday-Friday, 9:30 AM to 5:30 PM CT, for help with:
- General benefits questions
- Explanation of benefits
- Workday enrollment assistance
- Qualifying Life Event (QLE)
Decision Support
Choosing the right benefit plans is important. In addition to this site, we have other resources to help you understand your options and select the ones that provide the right coverage and value for you and your family.
Review Coverage Costs – View your cost for healthcare coverage in the new plan year on Workday.
Medical Plan Decision Support Tool – Compare your estimated costs under each Lineage medical plan and make an informed decision based on your healthcare needs. Our new Medical Plan Decision Support Tool is available during Open Enrollment to help you decide which medical plan is right for you. Access the tool directly through Workday to get started.
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck as well as out of your pocket (copays, deductibles and coinsurance). To help make your decision, access our new Medical Plan Decision Support Tool to compare your estimated healthcare costs through the different plans Lineage offers.