When the New Year Begins
We love win wins. That's
Get a head start on earning AB Well Incentives
If you're eligible for AB Well Incentives and completed the activities, submit an AB Well Activity Completion Event in the Benefits Portal before Oct. 25th to see AB Well Incentives show up during 2025 Annual Enrollment.
Pro tip: If you're a master at planning, our medical plans cover a preventive visit with a Primary Care Physician on the first day of a new plan year.
Your PCP may recommend preventive screenings, which are also a great idea to complete during the year.
Make sure you can access the Benefits Portal
This is where you view, change, and enroll in your benefits.
If you're eligible for AB Well Incentives, the Benefits Portal is also where you can submit an AB Well Activity Completion Event.
During The Year
Make the most of your annual benefit coverage before the year ends
Medical: When a new plan year begins on January 1st, your deductibles, out-of-pocket maximums and benefits will reset, so if you've met the deductible or OOP Max in a plan year, you could consider scheduling any medical services before the year ends.
Dental: Generally speaking, A-B's dental plans have set calendar year maximum benefits (with the exception of the Plus plan's orthodontia coverage, which has a lifetime maximum of $3,000). If you haven't met this year's annual benefit and you need dental services, it may make sense to schedule services this year to get the most of your available coverage. Check out where you stand on your calendar year Dental maximum by logging into your Delta Dental account.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
When the Year Ends
Timeline for Flex Credit eligible employees
Complete Activities
January 1, 2022
January 1, 2023
Biometric Screening start date
November 18, 2023
Activity Deadline
Certify Completion
November 1-18, 2023
November 1, 2023
Starting in January 2024
*With enrollment in a 2024 A-B Medical Plan.
Before Annual Enrollment, consider your needs for the next year
If you don't know where to start, the decision support tool is available in the Benefits Portal during Annual Enrollment to help you choose the right benefits for you.
If you want dental coverage for braces....
Consider enrolling in the Dental Plus plan, which is the only dental plan that offers coverage for orthodontia (braces),
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you earned Flex Credits and enroll in an HSA...
Great decision for your future!
If you enroll in an HSA and allocate any additional Flex Credits to cash, you're paying more in taxes. Consider saving on taxes by putting those Flex Credits into your HSA instead.
Don't worry about needing to spend HSA funds before the year ends. HSA contributions are always yours and don't have use it or lose it rules like FSAs.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Consider enrolling in the Dental Plus plan, which is the only dental plan that offers coverage for orthodontia (braces),
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Use your Flexible Spending Account funds
Plan to use your Flexible Spending Account funds before 12/31.
