Annual enrollment

If you’re not already enrolled in the Lenovo Health Saver medical plan — which comes with a tax-advantaged Health Savings Account (HSA) — this is the perfect time to consider making the switch. One big reason: In 2025, you’ll be able to set aside even more money in your HSA. The maximum contribution limit is increasing to $4,300 (includes Lenovo’s contribution) for employee-only coverage and to $8,550 (includes Lenovo’s contribution) for family coverage. That’s a pretty big chunk of tax-free money that you can use to either pay for your current medical expenses or save for your future expenses!

Due to IRS rules, the annual deductible for the Lenovo Health Saver medical plan is increasing from $1,600 to $1,650 for employee-only coverage and from $3,200 to $3,300 for family coverage. The out-of-network deductible is not changing.

If you’re in a Cigna medical plan, the copays and maximum amounts covered will be increasing for both retail and mail-order drugs.

Here’s the 2025 prescription drug coverage for the Cigna plans.

Retail

Mail order

Due to continually rising health care costs, your contributions for medical and dental coverage will increase next year. Lenovo will absorb a portion of these cost increases, but be sure to review the new monthly contributions below to understand how these changes will affect you.

Here are your 2025 monthly medical contributions.

Here are your 2025 monthly dental contributions.

Through Allstate Identity Protection Pro Plus, you’ve had access to identity, credit, and social media reputation-monitoring services for just $7.45 a month (for just you) or $12.95 (for you and your family). In 2025, the plan is being upgraded to the Pro Plus Cyber plan, which will also cover personal device security, VPN with anti-tracking and ad-blocking, password management, and network security. Even with these additional services, you’ll pay the same monthly cost.

Your supplemental insurance plans will offer even greater peace of mind in 2025. Here are some of the plan changes in store.

• Accidental injury – sports benefit rider added
• Critical illness – behavioral health and musculoskeletal rider added; advanced heart failure and advanced obesity benefits increasing; wellness benefit automatically paid
• Hospital care – newborn stay and ICU benefits added; newborn admission benefit increasing

Make sure you have the right mix of health and financial protection at the right cost to support your needs.

• Keep in mind: The Lenovo Health Saver Plan comes with a Health Savings Account (HSA), which is a triple tax-advantaged way to save on health care expenses now or in the future, including retirement. Plus, Lenovo contributes to your account ($750 if it’s just you and $1,500 if it’s you plus your family). That’s free money you could be leaving on the table! The clincher? The Lenovo Health Saver Plan boasts the lowest monthly paycheck contributions among all the Lenovo plans.
• Be even more prepared for the unexpected. Consider adding or increasing protection through supplemental benefits, including legal coverage and critical illness, accidental injury, and hospital care insurance.
• Quick tip: Take a fresh look at your beneficiaries while you’re reviewing your benefits.

• Do you want to continue saving in a Health Care Spending Account (HCSA) or Dependent Care Spending Account (DCSA)? If so, you need to take action. If you do nothing, your contributions will NOT carry over into 2025. Keep in mind that you must request reimbursement of your 2024 HCSA and/or DCSA expenses by April 30, 2025, or you’ll forfeit them.
• Do you already save through an HSA? You can save even more in 2025 because the annual maximum (which includes Lenovo’s contribution) will increase to $4,300 (employee-only coverage) and $8,550 (family coverage). If you want to save an extra $150 or $250 compared to 2024, you have to take action to increase how much you’re socking away.

If you don’t enroll, you’ll have the same or similar coverage as you do today, but at 2025 costs. The big exceptions are the HCSA, DCSA, and HSA — you’ll need to reselect these to continue coverage next year.

Don’t want Lenovo medical plan coverage in 2025? Be sure to select “Decline Coverage” during annual enrollment. You may have to certify that you have coverage elsewhere.

Either you or your spouse/domestic partner must opt out if the other selects employee + spouse/domestic partner coverage or family coverage. You can’t enroll in the health care programs under your own coverage and also be covered as an eligible dependent under your spouse’s/domestic partner’s coverage. Similarly, your dependent children can only be covered by either you or your spouse/domestic partner, not by both of you.

If you’re currently receiving services through Hinge Health, Omada, or Hello Heart, you’ll continue receiving services for as long as you’re enrolled.