Take Action
Review this page to find out what you need to know and what you need to do during Open Enrollment. Then enroll in your 2025 benefits between October 28, 2024 and November 8, 2024. After Open Enrollment ends, you can't change your benefit elections unless you experience a qualifying life event.
Your enrollment checklist
Use this checklist to make the most of your Open Enrollment opportunity:
- Learn about your benefit options for 2025.
- Use the tools and resources available to help you make informed benefit decisions.
- Get support when you have questions about your benefits. Call 844-349-0781 from 7:00 a.m. – 7:00 p.m. CT (during Open Enrollment only). Regular support hours are 8:00 a.m. – 5:00 p.m. CT or visit myenrollmentschedule.com/carlislebenefits/ to schedule an appointment.
- Update your Flexible Spending Account (FSA) enrollment and/or Health Savings Account (HSA) contribution amount — they don’t automatically carry over to the next year.
- Ensure your dependent information is accurate, that any required dependent verification documents have been uploaded, and that all your dependents remain eligible.
- Review your beneficiary information and make updates as needed.
- Complete your benefits enrollment by November 8, 2024. Learn how to enroll.
How to Enroll
You have two ways to enroll in your health and income-protection benefits:
- Online – Enroll on the MyADP website any time of day or night.
- By phone – Call 844-349-0781 if you have questions or need assistance. Representatives are available to help you Monday through Friday, from 7:00 a.m. – 7:00 p.m. CT (during Open Enrollment only). Regular support hours are 8:00 a.m. – 5:00 p.m. CT.
- Have questions about the Carlisle benefit plans? Schedule an appointment with a benefits counselor before you enroll.
Do I need to enroll?
If you don’t enroll, your current benefit elections will continue next year, with the exception of Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) contributions. You must take action if you want to contribute to an FSA or HSA in 2025.
Enrolling is easy!
The MyADP website will guide you through the benefits enrollment process every step of the way.
Have you selected your benefits but need help enrolling? Visit https://www.myenrollmentschedule.com/carlislebenefits.
Don’t miss out
After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualifying life event.
Decision Support
Choosing the right benefit plans is important. Our decision support resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.
- 2025 benefits guide – Find everything you need to know about choosing your benefits for the new year.
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
Benefit Options
During Open Enrollment, you can enroll in the following benefits for 2025.
Carlisle HRA
No new enrollments in the Carlisle HRA plan will be accepted for the 2025 plan year. If you are currently enrolled in this plan, you may continue under this plan or you may select an alternative plan. Should you decide to opt for a different plan for 2025, you may not reelect the HRA plan in the future.
Please note: Deductibles are increasing for 2025. If you are currently enrolled in the Carlisle HRA and choose to stay enrolled for 2025, your in-network deductible will increase to $1,650/individual or $3,300/family. Out-of-network deductibles will also increase to $3,300/individual or $6,600/family.
Medical
Use this interactive side-by-side plan comparison to compare your 2025 medical plan options.
| Carlisle HSA | Carlisle Basic Plan | Carlisle Choice Plan | ||
|---|---|---|---|---|
| HSA features | ||||
| HSA-eligible | Yes | No | No | |
| Company contribution | $850 for employee-only coverage or $1,700 if you cover dependents* | None | None | |
| Annual deductible (individual/family) | ||||
| In-network | $1,650/$3,300 | $1,650/$3,300 | $750/$1,500 | |
| Out-of-network | $3,300/$6,600 | $3,300/$6,600 | $3,300/$6,600 | |
| Coinsurance | ||||
| In-network | You pay 20%, plan pays 80% | You pay 20%, plan pays 80% | You pay 20%, plan pays 80% | |
| Out-of-network | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | |
| Annual out-of-pocket maximum (individual/family) | ||||
| In-network | $3,300/$6,600 | $3,300/$6,600 | $3,300/$6,600 | |
| Out-of-network | $6,600/$13,200 | $6,600/$13,200 | $6,600/$13,200 | |
| Health care visits: Your costs | ||||
| Preventive care | You pay nothing in-network, covered 100% | You pay nothing in-network, covered 100% | You pay nothing in-network, covered 100% | |
| Primary care (in-network) | You pay 20% after deductible | You pay 20% after deductible | $25 copay |
|
| Primary care (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | |
| Specialist (in-network) | You pay 20% after deductible | You pay 20% after deductible | $40 copay |
|
| Specialist (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | |
| Behavioral health (in-network) | You pay 20% after deductible | You pay 20% after deductible | You pay 20% after deductible | |
| Behavioral health (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | |
| Telehealth | You pay 20% after deductible | You pay 20% after deductible | ||
| Urgent care (in-network) | You pay 20% after deductible | You pay 20% after deductible | You pay 20% after deductible | |
| Urgent care (out-of-network) | You pay 40% after deductible | You pay 40% after deductible | You pay 20% after deductible | |
| Emergency room visit (in- and out-of-network) | You pay 20% after deductible | You pay 20% after deductible | $150 copay |
|
| Prescriptions – 30-day supply at retail pharmacy: Your costs | ||||
| Preventive Generic | Preferred Preventive generics are covered at no charge and excluded from the plan deductible. | |||
| Generic | 20% after deductible | 20% after the 20% member copay | $10 copay |
|
| Brand | 20% after deductible | 20% after the 20% member copay | Preferred Brand: $35 copay Non-Preferred Brand: $60 copay |
|
| Specialty | 20% after deductible | 20% after the 20% member copay | ||
| Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs | ||||
| Generic | 20% after deductible | Not covered | 2x retail |
|
| Brand | 20% after deductible | Not covered | 2x retail |
|
*Out-of-network benefits are based on reasonable and customary charges.
**Deductible does not apply.
†Deductible waived for some medications.
Supplemental Medical
There are no changes for 2025. The following plans are available:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
Dental
The following plan will continue to be available:
- Carlisle Cigna DPPO Plan
Refer to the plan summary for plan details.
Digital ID cards
Cigna utilizes digital ID cards. If you would prefer to have a physical ID card, you may request one via http://www.myCigna.com or by calling 800-244-6224.
Vision
There are no changes for 2025. The following plan is available:
- EyeMed Vision Plan
Savings & Spending Accounts
The following accounts are available for 2025:
- Health Savings Account (HSA) – Increased contribution limits for 2025 ($4,300 for employee-only coverage and $8,550 if you cover dependents)
- Health Reimbursement Account (HRA) – Carlisle’s contribution to your HRA will remain the same in 2025.
- Health Care Flexible Spending Account (FSA) – Increased contribution limit for 2025.
- Dependent Care FSA – No changes for 2025
Life Insurance
There are no changes for 2025. In addition to the basic life and accidental death and dismemberment (AD&D) insurance you receive, which is company paid with no enrollment required, you may enroll in:
- Supplemental employee life and AD&D insurance
- Spouse life and AD&D insurance
- Dependent life and AD&D insurance
Disability Insurance
There are no changes for 2025. You automatically receive short-term disability and long-term disability insurance at no cost to you, with no enrollment required.
Eligibility
All active, regular, full-time employees are eligible to participate in Carlisle's benefits program. Coverage begins on your date of employment in an eligible class, provided you enroll within 30 days.
You may also cover your eligible dependents under Carlisle's medical, prescription, dental, vision, and life benefits.
Your eligible dependents include:
- Qualified legal spouse
- Your child(ren) and the child(ren) of your covered spouse (up to age 26)
- Children with disabilities who became disabled on or before age 26