What’s New for 2025

Why spend time in your doctor’s waiting room or spend money on a costly Urgent Care or ER visit when you have Teladoc? If you’re enrolled in a CSL UMR or Meritain medical plan, you have 24/7 access via web, phone or mobile app to licensed doctors and nurses who can help you manage a wide range of non-emergency medical issues, from allergies to infections.

Did you know that Teladoc also offers online dermatology care and access to registered dietitians?

With online dermatology care, you can start a virtual consultation anytime with a U.S. board-certified dermatologist. In 24 hours or less, you’ll get a diagnosis, customized treatment plan and, if needed, prescriptions. Dermatologists can diagnose and treat several skin conditions, including:

• Acne
• Eczema
• Poison ivy
• Rosacea
• Skin infections

If you want help with weight management, diabetes, prenatal nutrition, meal planning or other nutrition-related issues, you can talk — via phone or video — to a registered dietitian who can provide a personalized diet plan to meet your health needs. Dietitians with a wide range of specialties are available across the U.S.

You can also connect with these Teladoc services via phone or video:

• Teladoc Primary360. Establish an ongoing relationship with a board-certified primary care doctor and a dedicated Care Team.
• Teladoc behavioral health visits. Meet with a licensed psychiatrist, psychologist, clinical social worker, counselor or therapist to manage everything from stress and depression to addiction and family difficulties.
• Teladoc Expert Medical Services. Have your medical diagnoses and treatment plans reviewed by carefully selected expert physicians.

The best part? If you’re enrolled in a Meritain Health or UMR medical plan, all medical and behavioral health visits with Teladoc are covered at 100%. No copayments are necessary.

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If you’re enrolled in the High Deductible Health Plan (HDHP) with HSA, you have access to one of the best cost-saving tools available. Because the Health Savings Account (HSA) lets you stash away money each pay period on a before-tax basis to use on eligible health care expenses, you save money on health care costs, and you lower your taxable income. In 2025, you can contribute even more to your HSA: up to $4,300 if you have employee-only coverage and up to $8,550 if you cover at least one dependent. If you’re 55 or older, you can contribute an additional $1,000.

Keep in mind that these limits include CSL’s contribution, which is $500 if you have employee-only coverage and $1,000 if you cover at least one dependent. These contributions are deposited in equal installments over each pay period throughout the year.

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Whether you’re looking to balance your budget, reduce your debt or just find new ways to make the most of your money, Ayco financial coaches can provide the guidance you need to take your finances to the next level. Ayco financial services are available at no cost to you!

If you’re enrolled in a CSL UMR or Meritain medical plan, you have free access to Accolade Health Assistants, who can advise you on a wide range of money-saving matters, including:

• Finding ways to reduce your medical and prescription drug costs
• Selecting the insurance plans and tapping into the benefit programs that are best suited to your financial situation
• Understanding medical bills and resolving claims issues

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Through Lyra, you, your spouse/domestic partner and all members of your household each have access to eight therapy or coaching sessions per year at no cost. All Lyra providers are in-network under all CSL medical plans, so your counseling visits will be covered if you want to continue treatment past the initial eight sessions. Lyra’s continued care sessions will be subject to in-network mental health cost-sharing, as defined under your specific medical plan.

Whether you’re looking for help with meditation, sleep, movement or focus, the Headspace app can support you in boosting your mental wellbeing. CSL covers the cost of Headspace’s meditation and mindfulness tools, so you can work on creating life-changing habits without incurring life-changing costs.

Virgin Pulse is now Personify Health. There are no notable changes to the program, and all the Virgin Pulse rewards you earned will roll over into Personify Health. With Personify Health, you get personalized help to discover health goals that matter to you. As an added bonus, you can earn up to $400 per year as you track your goals.

Whether you need assistance with after-school care, you’re caring for an ill child or aging parent, or you need a pet sitter, Care@Work can give you the support you need at a moment’s notice. Regardless of your enrollment in a CSL medical plan, you have access to 20 backup care days for the year. You’ll be charged a subsidized rate of $4 per hour for in-home care and $15 per child per day at a childcare center. You can also exchange your backup-care days for dog-walking or pet-sitting services through Rover.com. You do not need to be enrolled in a CSL medical plan to use this benefit.

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