Federal Realty

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  4. Medical & Rx
    1. Medical/Rx Plans Overview
    2. Payroll Deductions
    3. Providers Search
    4. Virtual Visits
    5. Carrier Resources & Education
  5. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  6. Dental
    1. Dental Plans Overview
    2. Providers & Networks
    3. Carrier Resources & Education
  7. Vision
    1. Network & Resources
  8. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  9. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
    2. Travel Assistance
  10. Additional Educational Videos
  11. Have Questions?
  12. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Federal. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees. Federal remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees. Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!

OPEN ENROLLMENT REMINDER!

Open Enrollment is from November 20, 2024 through December 2, 2024. This is the time of year where you can elect new plans, add or remove dependents, and update beneficiary information with Federal. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2025:

  • This is a PASSIVE Open Enrollment. This means that your current medical, dental, vision, and voluntary benefit elections will rollover into the new year, effective January 1, 2025, if you don't make any elections during this Open Enrollment period. Make changes by logging into your ADP Portal at www.workforcenow.adp.com

  • You MUST make an election in ADP if you would like to contribute into a Health Care or Dependent Care Flexible Spending Accounts (FSA). These benefits will NOT roll over if you don't actively elect the benefit in ADP.

  • An Open Enrollment meeting will be held on Monday, November 25th @ 1:00 PM EST. You have the option to join this meeting in-person in the Connor Conference Room or attend virtually via Zoom using the link below.

2025 Benefits Guide

2025 Benefits Guide

UNUM Beneficiary Form

UNUM Beneficiary Form

open enrollment

Eligibility & Enrollment

Action Required: All elections must be submitted by December 2, 2024!

This is a PASSIVE ENROLLMENT! Your benefits will roll over into the 2025 plan year if you don't make any changes, with the exception of the Health Care and Dependent care FSA, which requires you to re-enroll annually.

ENROLLMENT INSTRUCTIONS:

  1. Review your benefit information included on this site
  2. Log into your ADP Portal www.workforcenow.adp.com
  3. Follow instructions and enroll in your benefits
  4. Make sure to save your elections and save/print your confirmation statement.

The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.

Contact Human Resources if you have questions about qualifying events.

Log Into ADP

Make Your Open Enrollment Elections Here

Log Into ADP

Make Your Open Enrollment Elec ...

Medical & Rx

Aetna

Group #605303 | (800) 962-6842 | www.aetna.com

Aetna will continue to be your medical and prescription carrier. You have the choice between three plans for the 2025 plan year. The three plan options include the Aetna PPO plan, the Aetna HealthFund plan, and Aetna HDHP with HSA plan. On all three plans you have access to both In-Network and Out-of-Network coverage, through you will save yourself the most money by remaining In-Network whenever possible. View the Providers & Networks for more information on how these plans networks differ from each other as well as buttons to locate participating providers.

If you are already enrolled in one of the Federal Aetna medical plans today and have not already done so, please be sure to register through the Aetna member portal where you can access important information pertaining to your medical plans with Aetna including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the Aetna portal as of your effective date of coverage.

2025 Medical/Rx Updates and Changes:

  • HDHP with HSA Plan: Individual deductible adjustment to $3,300
Aetna Member Portal

Your coverage must be active to register

Aetna Member Portal

Your coverage must be active t ...

Medical/Rx Plans Overview

Aetna

Below is a high-level overview of your plan options and in-network benefit information:

You can view more details of these plans by accessing the benefit summaries provided below.

Payroll Deductions

Aetna

Carrier Resources & Education

Aetna
Deductibles-Embedded vs Aggregate

Deductibles-Embedded vs Aggregate

HDHP+HSA

HDHP+HSA

Aetna Mobile App

Aetna Mobile App

Aetna Mobile App

Aetna Mobile App

Preventive Care

Preventive Care

Accounts

Payflex / Inspira Financial

Group Number: 1301722 | (800) 625-0485 (FSA) | (844) 729-3539 (HSA) | www.inspirafinancial.com

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered through Payflex/Inspira Financial.

Health Savings Account (HSA)

Payflex/Inspira Financial

The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The HDHP with HSA Plan is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.

Federal contributes to your HSA on your behalf! By signing up for the HDHP with HSA and opening up an HSA account with Payflex/Inspira Financial, Federal will contribute $1,500 for the employee only tier and $3,000 for all other tiers.

HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.

$4,300 for a the employee only tier | $8,550 for all other tiers

$1,000 "Catch Up" contribution for those age 55+

IRS Maximums come from all sources! The Federal contributions count towards the IRS maximums.

HSA Overview

HSA Overview

HSA Store

HSA Store

Qualified Medical Expenses

Qualified Medical Expenses

Flexible Spending Accounts (FSA)

Payflex/Inspira Financial

Plan Details are as follows:

  • You can contribute up to $3,300 annually.
  • At the end of the 2025 plan year, if you have not used all of your FSA funds, you may continue to use your funds until March 15, 2026. Any unused funds left in your account after March 15th will be forfeited.
  • You have until March 31, 2026 to submit for expenses that occurred on or before 03/15/2026.
  • If you are enrolled in an HSA plan, you are NOT ELIGIBLE to enroll in the Healthcare FSA.
  • You have access to your full annualized election amount on day one.
  • Unused funds will be forfeited.

Visit the Payflex/Inspira Financial FSA page for more information by clicking HERE!

Flexible Spending Account

Flexible Spending Account

How to Optimize your FSA

How to Optimize your FSA

Dependent Care Reimbursement Account (DCRA)

Payflex/Inspira Financial

Plan Details are as follows:

  • You can contribute up to $5,000 annually or limited to $2,500 if you are married and file separate tax returns.
  • You have 90 days after the end of the plan year to submit for expenses that occurred on or before 12/31/2024.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.

Visit the Payflex/Inspira Financial FSA page for more information by clicking HERE!

Dependent Care FSA

Dependent Care FSA

Dental

Guardian

Group #G-00506822 | (800) 600-1600 | www.guardiananytime.com

Federal's dental plans provide comprehensive coverage to help you and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.

If you are already enrolled in one of the Federal's Guardian Dental plans today and have not already done so, please be sure to register through the Guardian member portal where you can access important information pertaining to your dental plan with Guardian including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Guardian portal as of your effective date of coverage.

Guardian Member Portal

Log-In/Register Here!

Guardian Member Portal

Log-In/Register Here!

Carrier Resources & Education

Guardian
Dental Benefits 101

Dental Benefits 101

Pre-treatment Estimate

Pre-treatment Estimate

Vision

United Healthcare

Group #753579 | (800) 203-2932 | www.myuhcvision.com

Federal offers vision coverage through United Healthcare (UHC) to help pay for eye exams, prescription glasses and contact lenses. UHC also provides discounts for Hearing Care and Lasik.

If you are already enrolled in one of the Federal's UHC vision plan today and have not already done so, please be sure to register through the UHC member portal where you can access important information pertaining to your vision plan with UHC including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the UHC portal as of your effective date of coverage.

UHC Vision Portal

Log In/Register

UHC Vision Portal

Log In/Register

Network & Resources

United Healthcare

You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to UHC for the applicable reimbursement based on the out-of-network reimbursement schedule.

Locate a participating provider by visiting UHC Vision and completing the provider search information.

Note that you will NOT receive an ID card upon enrolling in the vision plan. At the time of service, simply provide your provider with your name and date of birth.

Additional Educational Videos

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read an EOB

How to Read an EOB

What is Balance Billing?

What is Balance Billing?

401k

401k

How to stretch your healthcare dollars

How to stretch your healthcare dollars

FMLA

FMLA

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.



This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.


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