INTRODUCTION
Castleworks is pleased to offer you and your family a comprehensive benefits program. Understanding your healthcare options and determining the best plan options that fit your needs is very important. We understand that navigating through your benefits package can be complex and wish to offer as much support and valuable information as possible.
2025 BENEFITS OVERVIEW
WHAT'S NEW FOR 2025?
1. CastleWorks is offering 5 new medical plans through a new carrier, UnitedHealthcare (UHC) and 1 new medical plan through Kaiser Permanente! UHC is replacing the previously offered Blue Shield of California medical plans.
(NEW!) UHC Medical Plan Options:
- You have the choice of three different HMO plans - SV Harmony HMO, SV Alliance HMO, and SV HMO
- You have the choice of two different Select Plus plans - Select Plus and Select Plus HSA
(NEW!) Kaiser Medical Plan Option:
- You can still enroll in the Kaiser 1500 plan but now have the choice of enrolling in a new Kaiser HDHP, paired with an employer-funded Health Reimbursement Arrangement (HRA) - Kaiser HDHP 3300 with HRA
2. New voluntary benefits offerings through Principal - Accident, Critical Illness, and Hospital Indemnity.
3. Click HERE for the weekly rates (Medical, Dental, Vision, Accident, and Hospital Indemnity).
For the Voluntary Life rates, please click here to see the rate grid.
For the Critical Illness rates, please click here to see the rate grid.
WHAT'S REMAINING THE SAME FOR 2025?
KAISER MEDICAL:
KAISER 1500: CastleWorks will continue to offer a the 1500 Kaiser medical plan through Kaiser Permanente. Click to read more!
PRINCIPAL DENTAL:
PRINCIPAL DPPO: Principal Dental PPO covering Preventive, Basic, and Major services. Orthodontics coverage for dependent children. In-Network and Out-Of-Network coverage available. Click to read more!
PRINCIPAL (VSP) VISION:
VISION: You can enroll in CastleWork's Principal Vision plan. Principal utilizes the VSP's Choice Network. This policy covers routine eye exams and other procedures and provides specified dollar amounts or discounts for purchasing eyeglasses and contact lenses through VSP's expansive network of providers. Click to read more!
PRINCIPAL BASIC AND VOLUNTARY LIFE INSURANCE: While CastleWorks offers basic life insurance at no cost to the employee, some employees may want to purchase additional coverage. You have the option to purchase supplemental life insurance. Click to read more!
WHO IS ELIGIBLE?
If you are a full-time employee working 30 hours or more a week, you are eligible for the following benefits effective the 1st of the month following 30 days of employment:
- UHC Medical Plans
- Kaiser Medical Plans
- Principal Dental
- Principal (VSP) Vision
- Principal Basic and Voluntary Life Insurance
- Principal Voluntary Benefits - Accident, Critical Illness, and Hospital Indemnity
DEPENDENT COVERAGE
In addition to electing coverage for yourself, you can elect to cover your eligible dependents. Your eligible dependents include your spouse/domestic partner, your children up to age 26 regardless of student status, marital status, financial dependence or residence and your children of any age who are mentally or physically disabled and depend on you for support.
EMPLOYEES EXPERIENCING A QUALIFIED CHANGE OF STATUS
Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next open enrollment period. Open Enrollment typically occurs for a two-week period around November to be effective January 1st.
Qualifying events include:
- Marriage or Divorce
- Birth or adoption of a child
- Change in child’s dependent status
- Death of a spouse, child, or other qualified dependent
- Change in employment status or a change in coverage under another employer-sponsored plan
- Entitlement to Medicare or Medicaid
You must submit your new/changed enrollments via Paylocity within 30 days from the date of the qualifying life event. Supporting documentation (e.g. marriage certificate, birth certificate, etc.) should be submitted to HR as soon as available, but no later than 90 days after the date of the life event. Failure to provide acceptable supporting documentation within that timeframe may impact your new benefit coverage.
For more information on how to enroll, visit the Enrollment Information page.
