2025 U.S. Benefits

What’s not changing for 2025: 

• Kaiser Permanente, Delta Dental, EyeMed and VSP vision benefit plans and services all will remain the same. 
• Health Savings Account (HSA) Rivian Employer contributions will remain the same.
• Pharmacy Benefit Manager through Optum RX will remain the same
• Family Support benefits such as: Progyny, MilkStork, Kinside and Cleo will remain the same. 

What’s new and changing for 2025: 

1. Anthem will replace the health plan and services currently provided by Blue Shield of California
   • Anthem offers enhanced benefits and whole-person care, streamlining your access to medical benefits, mental and emotional well-being support, lifestyle management programs and more.  
   • Find more information about the Anthem plans here and listen to the previously recorded Anthem Webinars here.
   • Anthem’s Health Guides are available via phone at 833-824-2275, Monday – Friday 6:00 a.m. – 8:00 p.m. MT, for questions about programs, providers and coverage.
   • Anthem and Blue Shield of California share provider networks and very little disruption in coverage is expected. It is recommended that you reach out to your current medical and mental health providers to ask if they are in-network with Anthem.
   • Save money with special offers and discounts for dental, hearing, vision, family and home, pet insurance, health and fitness.
2.  Collective Health will sunset on December 31, 2024.
   • Collective Health will sunset on December 31, 2024; in the meantime, you can continue to work directly with Collective Health on run out claims that were incurred in 2024, through December 31, 2025. Starting January 1, 2025, you will work directly with Anthem, Kaiser Permanente, Delta Dental, EyeMed, VSP and other carriers on all 2025 claims.
   • Get in touch with Collective Health through their website, and the Collective Health app or call a Collective Health member advocate at 844-803-0210.
3. Modern Health will sunset on December 31, 2024
   • Anthem Employee Assistance Program (EAP) and TalkSpace Therapy will replace Modern Health, which will sunset on December 21, 2024. Anthem EAP and TalkSpace Therapy will be available to all employees and dependents regardless of medical plan enrollment; Anthem members will access EAP and Talk Space through the Anthem Sydney App effective January 1, 2025, and all covered dependents can create their own login credentials. Each person enrolled in benefits can receive up to 8 sessions per issue, per calendar year. Additional sessions can be purchased through an in-network Anthem behavioral health provider (deductibles and copays will apply). Non-Anthem members will be directed to other local providers for additional sessions. 
   • If your current provider is not in-network with Anthem and you wish to continue services, please work directly with your provider to set up a self pay/direct bill plan effective January 1, 2025.
   • On or after December 1, 2024 you can reach out to Anthem’s Employee Assistance Program via phone at 877-657-6060 to understand if your existing mental health provider is part of the Anthem network, or to request assistance in locating an in-network provider.
   • Anthem EAP webinars will be hosted in early December, be on the lookout for communication regarding these webinars to learn more information about the programs and services available.
4. Anthem’s 3500 medical plan will include a Health Reimbursement Account (HRA), instead of a Health Savings Account (HSA)
   • An HRA is an account that’s owned and funded by Rivian. You can use your HRA to pay for healthcare costs, including copays, deductible payments, dental care, hospital visits, urgent care, prescriptions and more.  
   • Rivian will contribute $750 for active, eligible employees and $1,800 for active, eligible employees and their dependents to the HRA at the start of the plan year. 
   • Your HRA funds will be available at the start of each plan year. You can pay for care and other qualified expenses with your HRA debit card, your mobile wallet or by paying out of pocket and submitting a claim on anthem.com/ca to request reimbursement. If you leave Rivian, you can’t take your HRA funds with you and they do not roll over year over year. 
   • Employees who wish to continue enrollment in a Health Savings Account must enroll in the Anthem PPO 1650 Medical plan.
   • Health Savings Accounts (HSAs) that are part of Rivian’s 2024 medical plans will continue to be funded by Rivian through 2024. 
     • If an employee enrolls in the Anthem 3500 Medical plan for 2025, their existing HSA will become an individual account and will be subject to a $3.95 monthly fee through Health Equity. There is no monthly fee for HSA accounts with a balance of $2,500 or more.  
     • Health Equity login information will not change and employees with an existing HSA can continue to use their current cards. Your existing HSA funds can be used for eligible expenses at any time. 
     • You can continue to contribute to your existing HSA outside of Rivian’s payroll, learn more on HealthEquity’s website and consult with your tax professional for more information. 
5. The Manufacturing Copay assistance program will no longer be offered in 2025:
   • Credits will still be applied to the cost of your medications, but will no longer count toward your deductible and OOPM.  
   • If your brand-name drug has a copay card available, there are a few ways to get one: Sign up on the drug manufacturer’s website by searching the drug name and “copay savings” in your internet browser. Ask your doctor or pharmacist about copay cards for your prescribed drugs. 
   • Once you have a copay card, call your pharmacy or Optum Specialty Pharmacy at 1-855-427-4682 before your prescription is filled and let them know you have a drug copay card. They will add it to your patient profile. 
6. Securian is Rivian’s new life insurance provider:
   • All existing policies/coverage will automatically transfer over to Securian.  
   • Securian Basic life & AD&D coverage is one times your salary to a maximum of $500,000.
   • Securian supplemental life insurance and AD&D is now 1 – 8 times your salary, with a maximum of $1,000,000. 
   • If you were enrolled in employee supplemental/voluntary life insurance coverage, your election will be mapped to the next highest salary level. 
   • If you have not previously elected employee supplemental coverage, you are eligible for the guaranteed issue of one times your salary, not to exceed $350,000. 
   • Increases in employee and spouse life and A&D policies will require an Evidence of Insurability (EOI) for any additional amount requested. Employees can elect up to eight times your salary, with a maximum of $1,000,000.
   • If your election requires an EOI, you will receive an electronic request through Workday to complete your EOI after November 15, 2024.
   • You can contact Securian directly with questions or if you need new documentation.