Open Enrollment

Open Enrollment – November 1-12

HomeServices of America cares about you and your overall well-being. You’re at your best when your financial and physical health come together, and we want to help you get there. It’s with you in mind that we offer a benefits program that’s both comprehensive and affordable. Plus, it gives you the flexibility to choose coverage that’s most relevant to you and your family.

For Your HealthFor Your WealthFor Your Lifestyle
• Medical and Prescription Drug
• Health Savings Account (HSA)
• Dental
• Vision
• Flexible Spending Accounts (FSAs)
(HCRA, DCRA, and Limited FSA)
• Short-term Disability (STD)
• Long-term Disability (LTD)
• Basic Life/AD&D
• Supplemental Employee Life/AD&D
• Supplemental Spouse/Domestic Partner
• Supplemental Child Life/AD&D
• 401(k) Retirement Plan
• Employee Assistance Program (EAP)
• Paid Parental Leave
• Will Preparation
• Estate Planning
• Travel Assistance

What’s Changing for 2024

Open Enrollment is the time to add or change benefits for the upcoming plan year. The Company open enrollment is typically held in November for changes effective January 1 of the following plan year. This website contains the detailed information on the current plan year benefits, however, there are changes for the upcoming year. Review these plan changes below.

The Surest Copay Plan will replace the EPO Plan. The Surest Copay Plan is a health plan that gives members the tools to see cost and coverage information before the point of care. Surest offers members clarity, savings opportunities, and an easy, intuitive digital experience. No deductible. No coinsurance. Without a deductible, the plan starts contributing from day one!

To learn more about Surest click here.

The dental Option 2 annual plan maximum will increase from $1,000 to $1,500. The dental annual plan maximum refers to the maximum dollar amount that a dental insurance plan will pay for covered dental services within a single plan year.

Dental Plan FeaturesOption 1Option 2
Annual Deductible$50 per member$50 per member
Annual Plan Maximum$2,000 per member
Does not include orthodontic services
$1,500 per member

Accidental Death and Dismemberment (AD&D) insurance is different from traditional life insurance. While life insurance provides coverage for death due to any cause, AD&D specifically focuses on accidents and injuries.

Starting January 1, 2024, AD&D coverage will be included with basic life and all supplemental life insurance. The coverage amount will be equal to the employee’s basic life insurance and any supplemental life insurance elections for employees and dependents.

Life and AD&D insurance will be provided by MetLife.

Basic Life and AD&D

This benefit is 1x base salary with a minimum benefit of $75,000 and a maximum of $500,000.

Supplemental Life and AD&D

Employee and spouse/domestic partner coverage will be offered in increments of $10,000 with a maximum of $500,000 for employee coverage and $120,000 for spouse/domestic partner coverage.

Spouse/domestic partner coverage will no longer be offered at a flat rate but will be based on their age and coverage election.

The coverage amount for child life insurance will remain at $15,000, however it will now include an AD&D benefit.