What’s Changing in 2025–2026

New Administrator for Spending Accounts, COBRA

WEX Benefits will replace Flores as the administrator of our Health Care and Dependent Daycare Flexible Spending Accounts (FSAs), Lifestyle Account, Health Reimbursement Account (HRA), and COBRA benefits. We made the switch to provide more convenience to team members, including an app that allows for real-time access to your accounts 24/7.

Remember, you must enroll in an FSA each year—your 2024–2025 election will not roll over. FSA enrollees and those with Lifestyle Accounts and/or an HRA can expect to receive a new debit card from WEX Benefits by October 1.

If you are currently enrolled in an FSA, Lifestyle Account, or HRA, you should continue to use Flores for claims incurred through September 30, 2025. WEX Benefits will begin administering these accounts beginning with elections effective October 1, 2025.

Medical and Dental Plan Costs Increasing

Medical and dental plan premiums are increasing October 1, 2025. There are no changes to your medical and dental deductibles and copays. This year, however, we are increasing in-network out-of-pocket maximums under both medical in-network tiers:

• From $3,000 individual/$6,000 family to $4,000 individual/$8,000 family under the Tidelands Health Plan; and
• From $6,000 individual/$12,000 family to $8,000 individual/$16,000 family under the Blue Preferred PPO.

In addition, lab work performed at Tidelands Health will now have a $50 copay.

New! Two Prescription Savings Programs

Tidelands Health will introduce two new programs for team members and dependents enrolled in the medical plan, beginning October 1, 2025.

Counter Health

Counter has teamed up with ProAct, your Pharmacy Benefit Manager, to help you save up to $2,000 a month on your medications, at no extra cost.

You can activate your account at my.counterhealth.com/signup. When you do, you can review your personalized savings opportunities, accept savings recommendations, track your progress, and more. If you have questions or need help signing up, call Counter’s Member Care Team at 833-603-3864.

ProActPLUS

ProActPLUS works in the background to automatically find and enroll you in drug manufacturer financial assistance programs that decrease your copays on certain medications. If you have an opportunity to save via ProActPLUS, you may receive a phone call from the ProAct team on steps to take. It is important to respond to the reach out to ensure you do not experience delays in getting medications filled.

Improved Vision Benefit

Interested in Lasik surgery? Vision Plan coverage for this benefit will increase from 35% to 50% beginning October 1.

Allstate Replaces IDShield

Allstate will replace IDShield as provider of identity protection benefits. Allstate goes beyond basic identity protection services to offer programs that meet specific needs of targeted groups. This includes digital tools to help keep tweens and teens safe online, and resources to protect parents age 65+ against fraud and abuse—even if they don’t live in your household.

Important! If you are currently enrolled with IDShield and wish to continue this benefit with Allstate, there is nothing you need to do. Your coverage will roll over to Allstate Identity Protection effective October 1, 2025.

WEX Benefits Replaces Flores October 1

As you’ve learned in our open enrollment communications, the administration of our Flexible Spending Accounts (FSAs) and Health Reimbursement Accounts (HRAs) will move from Flores to WEX Benefits with the new benefit year starting Oct. 1.

What You Need to Know

If you are currently enrolled in an FSA and/or HRA, you should continue to use Flores for claims incurred through Sep. 30, 2025. WEX will begin administering these accounts beginning with elections effective Oct.1, 2025.

We are required to allow a run-out period for reimbursements of out-of-pocket healthcare expenses. The run-out claims period is Oct. 1 to Dec. 31, 2025 for any charges that were paid out-of-pocket during the Oct. 1, 2024-Sep.30, 2025 plan year.

During the run-out period, you must submit reimbursement requests manually [link to FSA/HRA medical claim form] or through the Flores App (download for iOS or Android.) Any remaining eligible funds in your Flores account will roll over and be available in your WEX account around Jan. 1, 2026. You can use these funds for out-of-pocket expenses you incur from Oct.1, 2025 to Sep. 30, 2026.

The run-out process has always been in place. However, you may not have noticed in the past that this is how eligible rollover funds are handled. With the move from Flores to WEX, the run-out period must be completed before remaining funds can transfer.