INTRODUCTION
Double H 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 should be a high priority during the Annual Open Enrollment Period. We understand that navigating through your benefits package can be complex and wish to offer as much support and valuable information as possible.
HOW TO USE THIS GUIDE
This guide, together with your enrollment materials, is a map to understanding your employee benefits choices. This material outlines your benefit options for the 2025-2026 year and will help you navigate through the Open Enrollment process.
Before you enroll in your benefits, please read this guide and become familiar with the benefit options. Your decisions will impact your benefit elections and what you pay for these benefits.
Double H has partnered with The Graham Company to assist with all aspects of the company's employee benefits.
2025 Open Enrollment Highlights
Open Enrollment this year will be ACTIVE. This means your current benefit elections will not be rolling over! You must actively log into ADP to elect or waive your benefits if you would like to have coverage for the April 1, 2025 - March 31, 2026 plan year.
MEDICAL & PRESCRIPTION DRUG: The two medical plans are administered through Independence Administrators (IA). Your prescription drug coverage is administered through SmithRx. Rx 'n Go will still be offered as an alternative pharmacy option.
The Bronze Plan will no longer be offered. The Silver and Platinum Plan will remain the same. Employee contributions are remaining the same for 2025! Please refer to the medical tab for more details.
DENTAL: Dental will continue to be administered by MetLife.
VISION: Vision will continue to be provided by Davis Vision.
LIFE, AD&D, AND DISABILITY INSURANCE: MetLife will continue to administer the Life, AD&D, and Disability insurance.
SPENDING ACCOUNTS: Health Equity will now administer Medical & Dependent Care Flexible Spending Accounts. If you enroll in a FSA, you will be receiving a new Health Equity FSA card in the mail prior to April 1st.
BETTER HEALTH LIAISON Diabetes and hypertension management through Livongo, mindful eating through Wondr, and virtual physical therapy through Sword Health are all programs available through the IA medical plans with Better Health Liaison.
REGENEXX Regenexx is available to those enrolled in an IA medical plan and is a medical procedure that treats orthopedic injuries to avoid invasive surgery. Please refer to the medical tab for more details.
ENROLLMENT CONSIDERATIONS
Open Enrollment takes place once a year, allowing you to make changes to your current benefit elections. Any changes you make during the Open Enrollment period will take effect on April 1.
WHO IS ELIGIBLE
Full-time employees working 30 hours or more per week are eligible for the benefits described in this guide effective the 1st of the month following 30 days of full-time employment. Coverage ceases at the end of the month of termination except for Flexible Spending Accounts which is the date of termination.
Employees who are eligible to participate in Double H's benefit programs may also enroll their dependents in benefits. For the purpose of our benefit plans, your dependents are defined as follows:
- Your legally married spouse
- Dependent children (natural, adopted, and step-children)
Your dependent children are eligible for coverage up to age 26 (coverage will terminate at the end of the month of the dependent's 26th birthday). Coverage for medical, dental and vision may be extended past the age of 26 for disabled dependents.
Dependent children include natural, adopted, and step-children.
SUPPLEMENTAL LIFE: Your unmarried dependent children are eligible for coverage up to age 26. Coverage for eligible dependents generally begins on the same day your coverage is effective.
You must notify the Employee Benefits Services team at 1-888-842-1488 within 30 days from the Status Change in order to make a change in your benefit selections.
QUALIFIED CHANGE OF STATUS
The benefit elections you make during Open Enrollment or as a new hire will remain in effect for the entire plan year. You will not be able to change or revoke your elections once they have been made unless a Qualified Life Event Status Change occurs. For the purpose of health, dental, and flexible spending accounts, you will be deemed to have a Qualified Life Event Status Change if:
- Your marital status changes through marriage, the death of your spouse, legal separation, or annulment
- Your number of dependents changes through birth, adoption, placement for adoption, or death of a dependent
- You, your spouse, or dependents terminate or begin employment
- Your dependent is no longer eligible due to attainment of age
- You, your spouse, or dependents experience an increase or reduction in hours of employment (including a switch between part-time and full-time employment; strike or lock-out; commencement of or return from an unpaid leave of absence)
- Gain or loss of eligibility under a plan offered by your employer or your spouse's employer
- A change in residence for you, your spouse, or dependents resulting in a gain or loss of eligibility
In order to be permitted to make a change of election relating to your insurance benefits due to a Qualified Life Event Status, the change must result in you, your spouse, or dependents gaining or losing eligibility under this plan or a plan sponsored by another employer by whom you, your spouse, or dependent are employed. The election change must correspond with that gain or loss of eligibility.
You may also be permitted to change your elections for health care coverage under the following circumstances:
- A court order requires that your child receive accident or health coverage under this plan
- You, your spouse, or dependent become entitled to Medicare or Medicaid
- You have a Special Enrollment Right
- There is a significant change in the cost of coverage for you or your spouse attributable to your spouse's employment (not applicable to flexible spending accounts)
You must notify the Employee Concierge at 1-888-842-1488 or email to tgcbenefits@grahamco.com within 30 days from the Qualified Life Status Change in order to make a change in your benefit selections.
