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Open Enrollment

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2021 Open Enrollment: November 23–December 4

Review this page to find out what you need to know and what you need to do during Open Enrollment.

2021 changes

View a summary of the key changes being made to our benefits program for 2021.

Details
How to enroll

Enrolling is easy! Find out how.

Details
Decision support

These tools and resources will help you make informed decisions about your benefits.

Details
Benefit options

See the benefits available to you in 2021.

Details
Who can enroll in Caliber benefits?

All active regular full-time or part-time employees who are scheduled to work 20 or more hours per week are eligible to participate in Caliber's benefits program. You may also cover your eligible dependents under Caliber's medical, prescription, dental, vision, and life benefits.

Your eligible dependents include:

  • Spouse or domestic partner (same or opposite gender)
  • Your child(ren) and your covered spouse’s or domestic partner’s child(ren) up to age 26
  • Disabled children who became disabled on or before age 26

Please note: If you enroll your spouse or domestic partner in medical coverage and he/she has medical coverage available through an employer, a $50 per month surcharge will be added to your medical plan premiums.

2021 changes

We’re excited to introduce a whole new benefits experience at Caliber that offers you more choice, flexibility, and the opportunity to save money — it’s called Mercer Marketplace 365+. This change is part of our commitment to support your total well-being while also delivering value for you, your family, and the company.

Through the Acme Enrollment online benefits platform, you’ll have access to a choice of benefits, plus tools and information to put you in charge of your health and your benefits.

With Mercer Marketplace 365+, you get:
Your expanded selection of benefit options includes:
Benefit What’s changing in 2021
NEW Medical Plans and Health Savings Account (HSA)
  • $2,850 Deductible Plan
  • $1,500 Deductible Plan
  • $900 Deductible Plan
  • $400 Deductible Plan
The new medical plans include a range of deductibles and premiums. Two of the new plans will include a Health Savings Account, or HSA, that you can use to pay for eligible health care expenses — you’ll even receive a company contribution to your account.
NEW Supplemental Medical Plans You may choose any combination of the following: critical illness, accident, and hospital indemnity insurance.
NEW Mercer Marketplace 365+ HUB You may enroll in this voluntary benefit for year-round access to personal health advocacy services, price comparison tools, physician performance ratings, and expert medical opinions.
NEW Dental and Vision Plans Choose from basic or enhanced dental and vision options.
Flexible Spending Accounts (FSAs) Our Health Care, Combination, and Dependent Care FSAs will work the same as they do today with a new administrator.
ENHANCED Life and Disability Options You have additional coverage options with a new administrator.
NEW Additional Benefits Discover options such as auto and home insurance, a legal plan, identity theft protection, pet insurance, and online discount shopping.
You MUST take action this Open Enrollment!

Your current benefit elections will not carry over to 2021. You must enroll in your 2021 benefits by December 4 — otherwise, you won’t have Caliber coverage next year. You will only receive automatic company-paid benefits, such as basic life and AD&D.

Do you 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 2021.

How to enroll

You have two ways to enroll — online or by phone.

Enrolling is easy!

The Acme Enrollment website will guide you through the benefits enrollment process every step of the way.

Log in

The first time you visit the Acme Enrollment website, select “Get Started” and follow the instructions to register your account. You’ll need to provide the last four digits of your Social Security number, your last name, your date of birth, and your ZIP code. (Please note that the information you enter must match the information in our employee files in order to confirm your identity.) Then click the “I’m not a robot” box.

Next, you’ll be asked to select an email address or phone number to set up multifactor authentication (MFA), a security measure that ensures a higher level of data protection. MFA combines your username and password with an additional security factor — a temporary numeric code sent to you — to confirm your identity and keep your information secure. Simply enter this code into the site once you receive it via email or text.

Make your elections

To select your benefits, click on the “Get Started” link on the homepage. Then, you’ll be able to choose a path to begin selecting your benefits for 2021.

Receive expert guidance:

  • If you choose to receive expert guidance, click “Get Started” within this tile.
  • You’ll answer a few questions about your coverage and health care needs, your preferences when it comes to paying for health care and any expected life events.
  • Then, you’ll be presented with a “Best Match” package of benefits customized just for you.
  • You can review this package and make any adjustments you’d like. Click on “Quick View” within each tile to see additional information, or click on “Edit Coverage” to see full details for that plan and all other options side by side.
  • Once you’re done creating your benefits package, click on the “Select This Package” button at the bottom of the page. You can also switch to the “Choose Your Own” path at any time and continue selecting benefits that way.
  • After clicking “Select This Package,” you’ll be offered the opportunity to provide beneficiary information. When you’re done, click on the “Submit Package” button.
  • On the next page, check the “Yes, I accept.” box and click on the “Submit Package” button.

Choose your own:

  • If you decide to choose your own benefits, click “Get Started” within this tile, and then click “Start Open Enrollment” on the next page.
  • You’ll start by providing information about your dependents and yourself.
  • Then, you’ll review and select your benefits for 2020. You can go through the benefits in order as they are presented, or you can jump to any benefit at any time using the links along the top navigation tabs.
  • When you’re ready, you can review your cart and make changes if necessary before you finalize your enrollment decisions. This page also clearly displays your costs, both per pay period and annually.
  • When you’re all set, check the “Yes, I accept.” box and then click on the “Checkout” button.

Please note: After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualifying life event, such as a birth or a marriage.

Decision support

Choosing the right plans is important for both your health and your financial well-being. These resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.

Your enrollment checklist

Use this checklist to make the most of your Open Enrollment opportunity:

  • Learn about your benefit options, paying special attention to the changes coming next year.
  • Think about your coverage needs, including how much health care you anticipate needing and whether your current life and disability insurance provides enough protection.
  • Make sure your dependent information is correct and all your dependents are still eligible.
  • Update your FSA enrollment and/or HSA contribution amount — they don’t carry over to the next year.
  • Review your beneficiaries — it’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and make updates as needed.
  • Complete your benefits enrollment by December 4.
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 have the opportunity to enroll in the following benefits for 2021.

Medical

See your new medical plan details for 2021 below:

CDHP Plan PPO Plan PPO2 Plan HMO Plan
HSA features
HSA-eligible Yes No No No
Company contribution to HSA $X None None None
Annual deductible (individual/family)
  In-network $2,850/$5,700 $900/$1,800 $750/$1,500 $400/$800
  Out-of-network $5,700/$11,400 $1,800/$3,600 $1,500/$3,000 N/A
Coinsurance
  In-network You pay 30%, plan plays 70% You pay 20%, plan plays 80% You pay 10%, plan plays 90% You pay 10%, plan plays 90%
  Out-of-network* You pay 40%, plan pays 60% You pay 40%, plan pays 60% You pay 40%, plan pays 60% N/A
Annual out-of-pocket maximum (individual/family)
  In-network $5,500/$11,000 $3,000/$6,000 $3,000/$6,000 $2,000/$4,000
  Out-of-network $11,000/$22,000 $6,000/$12,000 $6,000/$12,000 N/A
Medical care: Your costs
Preventive care Covered at 100% in-network, so you pay nothing
Office visit (primary care)
  In-network You pay 30% after deductible You pay 20% after deductible $30 copay $20 copay
  Out-of-network You pay 40% after deductible You pay 40% after deductible You pay 40% after deductible N/A
Office visit (specialist)
  In-network You pay 30% after deductible You pay 20% after deductible $40 copay $20 copay
  Out-of-network You pay 40% after deductible You pay 40% after deductible You pay 40% after deductible N/A
Telemedicine visit
  In-network only You pay 30% after deductible You pay 20% after deductible $20 copay $20 copay
Urgent care visit
  In-network You pay 30% after deductible You pay 20% after deductible $50 copay $30 copay
  Out-of-network You pay 40% after deductible You pay 40% after deductible You pay 40% after deductible N/A
Emergency room visit
  In- and out-of-network You pay 30% after deductible You pay 20% after deductible $150 copay $50 copay
Prescriptions: Your costs
30-day supply (retail pharmacy)
Generic 30% after deductible (deductible waived for some medications) 20% after deductible (deductible waived for some medications) 20% (min $10/max $20)** $10**
Formulary 30% after deductible (deductible waived for some medications) 20% after deductible (deductible waived for some medications) 20% (min $25/max $50)** $30**
Nonformulary 30% after deductible (deductible waived for some medications) 20% after deductible (deductible waived for some medications) 45% (min $40/max $80)** $60**
90-day supply (mail order or retail pharmacy)
Generic 30% after deductible (deductible waived for some medications) 20% after deductible (deductible waived for some medications) 30% (min $25/max $50)** $25**
Formulary 30% after deductible (deductible waived for some medications) 20% after deductible (deductible waived for some medications) 30% (min $62.50/max $125)** $75**
Nonformulary 30% after deductible (deductible waived for some medications) 20% after deductible (deductible waived for some medications) 45% (min $100/max $200)** $150**

*Out-of-network benefits are based on reasonable and customary charges.

** Deductible does not apply.

[Alternate Table Format]

  PPO Plan CDHP Plan HMO Plan
  In-Network Out-of-Network In-Network Out-of-Network In-Network Only
Annual deductible (calendar year) $250 individual
$500 family
 $500 individual
$1,000 family
 $1,350 individual
$2,750 family
 $2,750 individual
$5,000 family
 None
Coinsurance 80% 60% 90% 70% None
Annual out-of-pocket maximum (calendar year) $2,000 individual
$4,000 family
 $4,000 individual
$8,000 family
 $2,600 individual
$5,000family
 $5,000 individual
$10,000 family
 $2,000 individual
$4,000 family
Caliber contribution to HSA N/A $500/year for individual coverage
$1,000/year for family coverage
 N/A
Physician services: Your costs
Preventive care Covered 100%* You pay 40% Covered 100%* You pay 30% Covered 100%
Primary care office visit $15 copay* You pay 40% You pay 40% You pay 30% $20 copay
Specialist office visit $15 copay* You pay 40% You pay 10% You pay 30% $20 copay
Telemedicine visit $15 copay* You pay 40% You pay 10% You pay 30% $20 copay
Lab/X-ray $15 copay* You pay 40% You pay 10% You pay 30% No copay
Imaging (CT/MRIs) $15 copay* You pay 40% You pay 10% You pay 30% $100 copay per type of scan
Physical therapy — up to 20 visits/calendar year $15 copay* You pay 40% You pay 10% You pay 30% $20 copay
Chiropractic — up to 20 visits/calendar year $15 copay* You pay 40% You pay 10% You pay 30% $15 copay
Durable medical equipment You pay 20% You pay 40% You pay 10% You pay 30% No copay
Hospital services: Your costs
Inpatient You pay 20% You pay 40% You pay 10% You pay 30% $100 per day (5-day maximum)**
Outpatient You pay 20% You pay 40% You pay 10% You pay 30% $250 copay
Emergency room $150 copay $150 copay You pay 10% You pay 10% $100 copay (waived if admitted)
Ambulance You pay 20% You pay 20% You pay 10% You pay 10% No copay
Urgent care $25 copay* $25 copay* You pay 10% You pay 10% $25 copay
Mental health care: Your costs
Inpatient You pay 20% You pay 40% You pay 10% You pay 30% $100 per day (5-day maximum)**
Outpatient $15 copay* You pay 40% You pay 10% You pay 30% $25 copay
Prescription drugs: Your costs
Retail pharmacy (30-day supply)
Generic $10* Not covered $15 Not covered $10
Formulary $20* Not covered $40 Not covered $20
Nonformulary $40* Not covered $60 Not covered $40
Mail order (90-day supply)
Generic $20* Not covered $30 Not covered $20
Formulary $40* Not covered $80 Not covered $40
Nonformulary $80* Not covered $120 Not covered $80

*Deductible does not apply

**Semi-private room

***Pre-authorization required

Supplemental Medical

There are no changes for 2021. The following plans will be available:

Dental

There are no changes for 2021. The following plans will be available:

Vision

You will have access to an expanded network of EyeMed providers in 2021. You may choose to enroll in one of the following plans:

Savings & Spending Accounts

The following accounts will be available in 2021:

Life Insurance

Domestic partner coverage will be available in 2021. 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:

Disability Insurance

There are no changes for 2021. You will receive short-term disability and long-term disability insurance at no cost to you, with no enrollment required. In addition, you may choose to enroll in:

Voluntary Benefits

Consider whether voluntary benefits are right for you next year: