Open Enrollment

Review this page to find out what you need to know and what you need to do during Open Enrollment. Then enroll in your 2024 benefits between October 30, 2023 and November 10, 2023. After Open Enrollment ends, you can’t change your benefit elections unless you experience a qualifying life event.

As part of our strategy to provide comprehensive, competitive, and financially responsible benefits, we regularly examine our benefits program and consider changes that could better support you and your family across the entire spectrum of well-being. Here are the changes we’ll introduce in 2024.

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 8 a.m. – 5 p.m. CT.
• Have questions about the Carlisle benefit plans? Schedule an appointment with a benefits counselor before you enroll.

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.

• 2024 benefits guide – Find everything you need to know about choosing your benefits for the new year.

During Open Enrollment, you can enroll in the following benefits for 2024.

Medical

Use this interactive side-by-side plan comparison to compare your 2024 medical plan options.

	Carlisle HSA	Carlisle Medical	Carlisle HRA
HSA features
HSA-eligible	Yes	No	No
Company contribution	$850 for employee-only coverage or $1,700 if you cover dependents*	None	$500 for employee-only coverage or $1,000 if you cover dependents*
Annual deductible (individual/family)
In-network	$1,600/$3,200	$1,600/$3,200	$1,600/$3,200
Out-of-network	$3,200/$6,400	$3,200/$6,400	$3,200/$6,400
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	$3,200/$6,400	$3,200/$6,400	$3,200/$6,400
Out-of-network	$6,400/$12,800	$6,400/$12,800	$6,400/$12,800
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	You pay 20% after deductible
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	You pay 20% after deductible
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	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 40% after deductible
Emergency room visit (in- and out-of-network)	You pay 20% after deductible	You pay 20% after deductible	You pay 20% after deductible
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	20% after deductible
Brand	20% after deductible	20% after the 20% member copay	20% after deductible
Specialty	20% after deductible	20% after the 20% member copay	20% after deductible
Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs
Generic	20% after deductible	Not covered	20% after deductible
Brand	20% after deductible	Not covered	20% after deductible

*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 2024. The following plans are available:

• Accident Insurance
• Critical Illness Insurance
• Hospital Indemnity Insurance

Dental

The following plan is available:

• Carlisle Cigna DPPO Plan

For 2024, plan enhancements have been added at no cost to you:

• Fluoride treatments are now covered two times per each 12-month period.
• Sealants are now covered for your dependent children up to age 19.

And more! Refer to the plan summary for plan details.

Vision

There are no changes for 2024. The following plan is available:

• EyeMed Vision Plan

Savings & Spending Accounts

The following accounts are available for 2024:

• Health Savings Account (HSA) – Increased contribution limits for 2024 ($4,150 for employee-only coverage and $8,300 if you cover dependents)
• Health Reimbursement Account (HRA) – Carlisle’s contribution to your HRA will remain the same in 2024.
• Health Care Flexible Spending Account (FSA) – Increased contribution limit for 2024 ($3,200)
• Dependent Care FSA – No changes for 2024

Life Insurance

There are no changes for 2024. 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 2024. You automatically receive short-term disability and long-term disability insurance at no cost to you, with no enrollment required.

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