Great News!
We’re DOUBLING the HSA Match!

We are committed to supporting our valued Team Members and their families. Niagara is boosting our HSA Match contributions to $500 (Individual) / $1,000 (Family), providing you with additional dollars for eligible healthcare costs like office visits, prescription drug copay, dental and vision expenses, and so much more.

You’ll earn $0.50 on every $1 you set aside in your HSA up to the Maximum Niagara Match.

Plan Options Remain the Same for 2025

Cigna, Delta, and VSP remain the same for 2025 including the same deductibles and Out of Pocket Maximum limits.

However, our insurance premiums are increasing. Just because your plan options are the same, doesn’t mean you and your family’s coverage needs are the same.

Spend time with ALEX this Open Enrollment to ensure you have the best plans for 2025.

Long-term Disability (LTD) Plan Options

What is LTD?

Long-Term Disability (LTD) insurance provides financial protection by replacing a portion of your income after after 90 days of Short-term Disability.

What is changing?

Niagara continues to offer the 60% income replacement LTD plan, however, premium costs are increasing.

Due to this increase in costs, we are adding an alternative, lower cost LTD plan, covering 50% income replacement, at nearly the same or lower cost than the current plan.

If you are currently enrolled, your election in the 60% LTD plan will carryover to 2025. If you wish to lower your costs, choose the 50% option during Open Enrollment.

Will I Need Evidence of Insurability (EOI)?

You will need to provide EOI if:
✓ You are a new enrollee to either plan.
✓ You choose to increase coverage in the future (50% to 60%).

Pharmacy Benefit Changes

Changes to your Pharmacy Benefit Copays and Maximums

Due to the rising costs of prescription drugs, we’re making a few changes to pharmacy benefit copays and maximums. We understand that any change can be challenging, but these adjustments help us continue to offer the highest level of care for you and your family.

MagellanRx is now Prime Therapeutics No action required!

Prime Therapeutics has recently acquired MagellanRx.
The information on the back of your Cigna ID card and your current pharmacy has not changed.

Wellness Program

Important Changes!

Team Members and Spouses/Partners covered by a Niagara Medical plan will voluntarily participate in Wellness Activities to earn rewards and to avoid Wellness Surcharges. Please review the changes to our 2025 Wellness Surcharges. Here are the requirements and deadlines for each activity:



*Schedule your Annual Wellness Visits with your in-network personal doctor or through Teladoc’s Virtual Primary Care. When requesting an appointment, your appointment request type is important. Please indicate you are scheduling an annual preventive Wellness Visit or a Routine Annual Physical. *Annual Wellness Visits completed while enrolled in a Niagara Cigna medical plan on or after 11/16/23 through the deadline of 2/28/25 will be automatically processed. No action required.

2025 Per Pay Period Contributions

Rising costs due to inflation and market dynamics have impacted many aspects of our lives, including healthcare. Medical insurance premiums will see an increase across all plans, but dental and vision remain the same.