For U.S. Full-Time Associates
Get the Benefit Info You Need
Here you’ll find information on your 2025 benefits. Check back in early 2025 when we expand the site to serve up even more helpful benefit info.
New to AEO Benefits?
If you’re enrolling for the first time, you’ll first need to set up your account with Benefitfocus. Follow these instructions.
Outside the AEO network, enroll here.
Life Events
If you have a life event (e.g., have a baby or get married) during the year, you can make changes to your benefits.
Watch and Learn
Check out this video to learn more about your 2025 benefits.
Mire este video para obtener más información sobre sus beneficios para 2025.
What’s Ahead for 2025
CIGNA MEDICAL PLANS
The in-network deductible in the Cigna HSA Plan will be $1,650 individual/$3,300 family.
For the Cigna Economy HSA Plan, the in-network deductible will be $3,300 individual/$6,600 family.
KAISER PERMANENTE MEDICAL PLANS
For the Kaiser Permanente High HDHP, the in-network deductible will be $1,650 individual/$3,300 family. The in-network out-of-pocket maximum will be $3,300 individual/$6,600 family.
For the Kaiser Permanente Low HDHP, the in-network deductible will be $3,300 individual/$6,600 family.
Cigna Wellness Program
Beginning January 1, 2025, our wellness benefits through Cigna will be enhanced.
Both Cigna and Kaiser Permanente participants can earn gift cards for completing certain wellness activities, such as getting a Health Assessment, biometric screening and preventive screening. You can earn up to $350, and your spouse/domestic partner can earn up to $175.
The Castlight wellness program will be available through December 31, 2024, and you’ll need to redeem your points by this date.
Electronic ID Cards
Cigna has gone digital with their ID cards. If you’re enrolled in a Cigna medical plan, you will not receive a printed ID card. You can download an electronic version at myCigna.com. Contact Cigna if you want to request a printed card.
Virtual Urgent Care
If you’re enrolled in a Cigna medical plan, you can get E-Treatment for non-emergencies — without needing to see an MDLive doctor. Just fill out a form. Then the treating doctor will review your info and quickly deliver a diagnosis and treatment plan.
Go to myCigna.com > Talk to a Doctor > Get Started with Urgent Care > E-Treatment.
New Legal Plan
You can purchase affordable legal coverage through the MetLife Legal Plan as a new hire, during Open Enrollment or after a qualifying life event. Get help with personal legal matters, such as buying or selling a home, wills and power of attorney, dealing with identity theft and adoption. You’ll pay $17.50 per month for legal coverage.
FSA Contributions
You can contribute up to $3,300 to the Health Care FSA for 2025. The Dependent Care FSA limit remains unchanged at $5,000 (or $2,500 if you and your spouse file separate tax returns).
HSA Contributions
You can contribute up to $4,300 a year for individual coverage or $8,550 for family coverage. AEO’s contributions count toward this annual maximum. AEO will continue to fund the HSA with the same amount:
- Cigna HSA Plan or Kaiser Permanente High HDHP: AEO contributes $500 for individual coverage or $1,000 for family coverage.
- Cigna Economy HSA Plan or Kaiser Permanente Low HDHP: AEO contributes $250 for individual coverage or $500 for family coverage.
Costs for Coverage
Good news — no rate increases for Kaiser Permanente medical, Delta Dental or VSP vision plans. You’ll pay the same rates as you’re paying now.
Across the board, medical costs keep rising. AEO will continue to absorb the majority of the medical cost increases to help keep your associate costs affordable. There will be slight increases to your Cigna
medical premiums for 2025.
Health Care Services for $15 or Less!
Our AEO Real Care Health Centers can help you get the help you need fast. You can use the centers even if you’re not enrolled in an AEO medical plan.
2 Ways To Get Care
- On-site (available at the Pittsburgh Office, New York Design Office, Ottawa Distribution Center and Hazleton Distribution Center)
- Virtual visits (available for all associates; call any of the clinics)
