Open Enrollment
Passive Enrollment
This year, enrollment is passive. That means if you do not make any changes, your current elections will automatically roll over into the new year — except for the Health Savings Account (HSA) and Flexible Spending Accounts (FSAs). You must actively enroll in the HSA or FSAs each year to participate.
What’s New and Changing for 2027
More affordable. More supportive. Easier to navigate.
Every day, you care for our clients, their families, and one another. We want to make it easier for you to care for yourself and the people who matter most in your life. We’ve listened to what you’ve told us, and the changes we have made for 2027 are some of the first ways we’re putting your feedback into action.
More Affordable Coverage
Medical Plan Deductibles Staying the Same
To help you manage medical costs, deductibles on the Aetna medical plans will stay the same for 2027. When you see Tier 1 providers, you will continue to save the most. We will continue to offer the Aetna Core APCN+ Plan and the Aetna High Deductible APCN+ Plan so you can choose the coverage that’s best for you.
Accident, Hospital Indemnity, and Critical Illness Rates Decreasing — Again!
Rates for supplemental medical coverage — Accident, Hospital Indemnity, and Critical Illness insurance — are decreasing for the second year in a row! If you haven’t enrolled in these plans in the past, this is a great time to learn more about how they can provide an extra layer of financial protection in the event of the unexpected.
Support When Life Happens
You asked for better, simpler support for all the curveballs life can throw. We heard you and are excited to share the following updates for 2027.
Voluntary Short-Term Disability
Voluntary STD coverage will transition from The Hartford to MetLife, which already handles Leaves of Absence. When you are planning to have a baby or are dealing with an illness or injury, MetLife will handle your claims every step of the way.
What you need to know: If you’re currently enrolled in Voluntary STD through The Hartford, your coverage will automatically transfer to MetLife for 2027. No action is needed. Claims that begin on or before December 31, 2026, will continue to be managed by The Hartford. Claims that begin on January 1, 2027, or later will be managed by MetLife. Learn more.
Pet Insurance
Pets are part of the family too. New pet insurance through Spot can help you manage eligible expenses and unexpected costs that come with caring for your pets. BAYADA employees are eligible for 15% off a plan for their first pet plus a 10% multi-pet discount for your second and third pets (up to a total discount of 25%). Check out the plans here.
Making Benefits Easier to Understand
Brand New Benefits Website
This all-new benefits site is designed to help you more easily and quickly navigate all the options available to you. Throughout the site, you’ll find explainer videos to help you learn more about the plans and how they can work together. You can explore plan details and find helpful explanations to better understand your options and make informed decisions.
Medicare Navigation Support
We’re partnering with HTA Insurance Services to offer personalized, one-on-one guidance to help you understand your Medicare options and enroll when you’re ready. Navigating Medicare can be complicated, and this support can help you understand your choices and determine your next steps. Learn more.
Help Navigating the Marketplace
If you need health coverage outside of BAYADA’s benefits, Velapoint can help you explore individual health insurance options through the marketplace. Whether your dependent child is aging off your plan or you’re planning to retire before you’re eligible for Medicare, Velapoint can help you understand your options and find a plan that fits your needs. Click here to learn more.
Open Enrollment Checklist
Follow these steps during Open Enrollment to make sure your current elections are still the best fit. If you want to make changes to the benefits you had this year, be sure to submit your elections by November 4.
- Learn about your benefit options, paying special attention to what’s changing for next year.
- Use the tools and resources available to help you make informed benefit decisions. Learn more here.
- Update your Flexible Spending Account (FSA) or Health Savings Account (HSA) contribution amount — they don’t automatically carry over to the next year.
- Make sure your dependent information is correct and all your dependents are still eligible.
- Review your beneficiary information and make updates as needed.
- Enroll by November 4, 2026.