Turner & Townsend
Table of Content
- Header
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Page
- Introduction
- Benefit Memo
- Benefits Overview
- How To Enroll
- PreTax Accounts
- Plan Documents
- Additional Resources
- Contact Us
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Pre-Tax Accounts
- Health Savings Account
- Health Care Flexible Spending Account
- Limited Purpose Flexible Spending Account
- Dependent Care Flexible Spending Account
- Commuter Benefits
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Plan Documents
- UHC Medical Plans
- Kaiser Medical Plans
- UHC Dental Plans
- UHC Vision Plans
- Ancillary Plans
- Optum Rx Formulary 2025
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5/1/25 Short Plan Year
- Open Enrollment
- Pre-Tax Accounts
- HSA Funding
- Deductible Credit
- 1/1/26
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Page
- Contact Us
- Footer
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HHealth Savings Account
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HHealth Care Flexible Spending Account
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LLimited Purpose Flexible Spending Account
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DDependent Care Flexible Spending Account
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CCommuter Benefits
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UUHC Medical Plans
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KKaiser Medical Plans
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UUHC Dental Plans
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UUHC Vision Plans
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AAncillary Plans
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OOptum Rx Formulary 2025
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OOpen Enrollment
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PPre-Tax Accounts
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HHSA Funding
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DDeductible Credit
Welcome to 2025 Open Enrollment
Open Enrollment begins on March 17th, 2025 and ends on March 28th, 2025.
Introduction
Important Information Regarding the Short Plan Year (5/1/2025-12/31/2025)
Turner & Townsend is transitioning their plan year to align with the calendar year, resulting in a short plan year from May 1, 2025, to December 31, 2025.
As of January 1, 2026, the plan year will run from January 1 to December 31.
All benefits are moving to a 1/1 calendar year basis as of 1/1/2026. Your medical and dental deductibles and maximums will reset 1/1/2026. Vision and dental frequencies and services will also reset 1/1/2026.
This change will impact UHC medical plan accumulators, Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and open enrollments. Please refer to the detailed information within the 5/1/2025 Short Plan Year and 1/1/26 sections below for more specifics.
This is the one time during the year to review your personal situation and determine whether to make changes to your current elections. You may also use this opportunity to enroll yourself and/or dependents if you waived coverage in the past. Outside of this enrollment period, you may only make benefit changes if you experience a qualified life event (e.g., birth, adoption, marriage, divorce, loss of spouse/partner health coverage).
Presentation Recording from 3/12
Annual Enrollment Webinar 1 of 2-20250312_143239-Meeting Recording.mp4
Presentation Recording from 3/17
Annual Enrollment Webinar 2 of 2-20250317_143225-Meeting Recording.mp4
Q & A Session 3/19
Annual Enrollment Q&A Session 1 of 2-20250319_140104-Meeting Recording.mp4
Benefit Memo
Benefits Overview
5/1/2025-12/31/2025
- Your contributions for all UHC Medical plans will be increasing.
- Your contributions for UHC dental and vision plans will be remaining the same!
- There will be no benefit changes to your medical, dental, or vision coverage
Please see below for the 2025 Benefits Guide.
To view medical, dental, and vision plan comparisons, please refer to the documents below.
How To Enroll
Your 2025 benefit elections can be made online. Please visit the link below to review and change benefits and view the document on the left for instructions on using the web portal.
Reminders:
- Open Enrollment will take place through the Paycom system, beginning on March 17th through March 28th. All changes will be effective May 1st, 2025 – December 31st, 2025.
- You may not make any changes to your elections after open enrollment ends until the next open enrollment period, unless you experience a qualifying event. (I.e. marriage, birth, divorce, adoption etc.)
- This is a passive enrollment. If you do not make any changes to your elections, your current election will carry forward to the new plan year.
- You must re-enroll for the FSA (medical and dependent care). Current elections will not rollover into the new plan year.
- We recommend you confirm your HSA yearly elections. This is important if you started in the middle of the benefit plan year. As a reminder, HSA accounts can be adjusted during the plan year.
Pre-Tax Accounts
Health Savings Account
Account that is owned by you, funded by you and Turner & Townsend Inc.
You can use the money contributed to an HSA to pay for qualified healthcare expenses such as deductibles, prescription drugs, eyeglasses, orthodontia and many over the counter drugs.
Annual Maximum Contribution – 2025 (Indexed Annually).
- $4,300 for Individual Coverage
- $8,550 for Family Coverage
- $1,000 Catch-Up Contribution for Employees Age 55+
You will not be able to contribute to an HSA if:
- Enrolled in the UHC Base or Premium medical plan.
- Enrolled in Medicare.
- Eligible to be claimed as a dependent on someone else’s tax return.
- You have an FSA balance.
- If you have an FSA currently and are planning on enrolling in the HSA plan for 2025, be sure to exhaust your FSA medical funds by 4/30/2025.
Health Care Flexible Spending Account
Pretax account that can be used to pay for qualified healthcare expenses such as deductibles, prescription drugs, and many over the counter drugs.
This is a use it or lose it account and only a certain amount ($640 for 2025, $660 for 2026) will rollover each year.
Your entire election is available at the beginning of the year or upon enrollment eligibility.
Eligibility:
You are eligible for a HCFSA if you are NOT enrolled in an HSA
Short Plan Year Maximum Contribution
$2,200
Limited Purpose Flexible Spending Account
Pretax account that can be used to pay for qualified dental and vision expenses such as glasses and dental procedures.
This is a use it or lose it account and only a certain amount ($660 for 2025) will rollover each year.
Your entire election is available at the beginning of the year or upon enrollment eligibility.
Once the IRS-required medical deductible ($1,600 individual / $3,200 family) is satisfied, funds can be used to pay for qualified medical expenses.
Eligibility:
You are eligible for a LPFSA if you are NOT enrolled in a medical FSA and are enrolled in the HDHP
Short Plan Year Maximum Contribution
$2,200
Dependent Care Flexible Spending Account
Pretax account that can be used for on dependent care costs for the purpose of you or your spouse working.
This is a use it or lose it account, and it does not rollover year to year.
Funds are not front loaded. You can use the money once it is deposited into your account after each paycheck deduction.
Eligibility:
You are eligible if both spouses (or the parents in a single parent household) are employed or are full-time students which would demonstrate that care is needed.
Annual Maximum Contribution
$5,000
Commuter Benefits
Transit and parking benefits are two separate accounts that are funded through pre-tax pay.
You can choose to fund one or both accounts.
The funding amounts can be updated at any time throughout the year.
If you do not use the full amount before the end of the plan year, funds can be carried forward into the next plan year.
Qualifying Expenses
Transit: Train, subway, bus, transportation in a commuter highway vehicle or transit passes.
Parking: Parking at or near your place of employment or near the location which an employee commutes to work using public transit, vanpool, or carpool.
Maximum Monthly Contribution - 2025
Transit: $325
Parking: $325
Plan Documents
5/1/25 Short Plan Year
Important Information Regarding the Short Plan Year (5/1/2025-12/31/2025)
Turner & Townsend is transitioning their plan year to align with the calendar year, resulting in a short plan year from May 1, 2025, to December 31, 2025.
As of January 1, 2026, the plan year will run from January 1 to December 31.
All benefits are moving to a 1/1 calendar year basis as of 1/1/2026. Your medical and dental deductibles and maximums will reset 1/1/2026. Vision and dental frequencies
and services will also reset 1/1/2026.
This change will impact medical plan accumulators, Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and open enrollments. Please refer to the detailed information within the sections below for more specifics.
Open Enrollment
To accommodate the short plan year from May 1, 2025, to December 31, 2025, we will conduct two open enrollment periods this year.
The open enrollment process will remain consistent with the current setup, allowing you to elect new benefits or re-enroll in your current elections.
- The first open enrollment for the 5/1/25-12/31/25 period will take place March 17th – March 28th.
- The second open enrollment for the 1/1/26-12/31/26 period will take place in the fall of 2025. We will provide more details as the dates are finalized.
Pre-Tax Accounts
The Health Care FSA and Limited Purpose FSA benefits will be prorated for the 8-month short plan year in order to not exceed the annual IRS limits.
- Health Care FSA: Maximum election of $2,200 for the short plan year
- Limited Purpose FSA: Maximum election of $2,200 for the short plan year
- Dependent Care FSA: The IRS annual maximum election is $5,000
There will be no proration for commuter benefits because they operate on a monthly limit rather than annual.
HSA Funding
Your HSA contributions will not reset for the short plan year. It is important to note that you cannot exceed the calendar year IRS limits for HSA contributions.
To ensure compliance, the Paycom system will automatically monitor and prevent any contributions that exceed the IRS limit.
Please review your contributions and plan accordingly to maximize your HSA benefits within the allowed limits.
For the short plan only, employer HSA contributions to your account will increase to $1,167 for an individual and $2,333 for family tiers.
4 months of the prorated HDHP deductible have been added into the increased HSA contributions
The contributions from T&T will remain consistent. For example, if you are enrolled in the HDHP as an individual you will receive an annual sum of $1,167.
You will receive HSA funding of $389 across three periods.
Deductible Credit
For the upcoming short plan year, we are pleased to inform you that a deductible credit will be applied to both the Base and Premium plans.
This credit will account for the shorter 8-month time frame of the plan year.
The HDHP will receive additional HSA funds. Please refer to the HSA Funding tab for more information
You will be able to view your deductible credit within your myuhc - Member Login | UnitedHealthcare portal. You can use this link to sign in or register to create an account.
Please see below for examples of what the deductible credit will look like on the Base and Premium plans if you are enrolled under the tiers employee only, employee plus spouse,
employee plus child(ren), and employee + family.
1/1/26
All benefits will be moving to a 1/1 calendar year basis as of 1/1/2026. More information will be made available closer to 1/1/26.
Open Enrollment
The second open enrollment for the 1/1/26-12/31/26 period will take place in the fall of 2025. We will provide more details as the dates are finalized.
Pre-Tax Accounts
All pre-tax account contributions will return to follow the IRS annual limits.
Health Savings Account Funding
HSA funding will return to $750 for individual tiers and $1,500 for family tiers.
Deductible Credit
There will be no deductible credit on the medical plans as the plan year will return to being a full 12 months.
Contact Us
If you have questions, please feel free to contact us
Additional Contacts
Benefits
usahrbenefits@turntown.com
NFP
DBbenadmin@NFP.com