Annual Open Enrollment is your opportunity to review your benefits and make changes for next year. You are unable to change your elections outside of Annual Open Enrollment without a Qualifying Life Event (such as marriage, birth of a child, divorce, spouse obtainment of other coverage, etc.). Your elections are effective from January 1, 2026 through December 31, 2026. Your current elections will carry forward to next year. Exception:  If you wish to continue the Healthcare FSA, an active election is required. If you are enrolled in medical, you will be enrolled in the current medical plan at the same coverage level as 2025. However, we strongly encourage you to complete an active 2026 benefits enrollment. Once your enrollment is complete, please retain your Confirmation Statement for your records following open enrollment. 

2026 Medical Plan Updates:

High-quality healthcare continues to be a priority for our valued team members. The 2026 medical plans include a new resource called Garner Health that identifies the top 20% of physicians based on exceptional patient outcomes.

• High-Quality Healthcare Incentive: When you engage with Garner and visit top-tier providers, you will receive 100% coverage for up to $5,000 individual / $10,000 family (Employee + Dependent Tiers).
• Plan Design Updates: Office visits and other services will be subject to the deductible for both the Low PPO and High PPO Plans. However, the first $5,000 individual / $10,000 family (Employee + Dependent Tiers) in medical expenses will be covered in full when you use a Garner provider. Both plans include copays for prescription drugs and emergency room visits.
• Prescription Drug Updates: VeracityRx will be your new Pharmacy Benefit Provider. The prescription drug benefit includes copays plus additional resources to help you find the most cost-effective medications.
• Medical Employee Premiums for 2026: There are no changes to your contributions for both the Low PPO and High PPO Plans.

HealthJoy Mobile App with Teladoc for ALL Jim Ellis Team Members

All Jim Ellis Team Members will have a new virtual benefits access point called HealthJoy. The HealthJoy mobile app includes a summary of all of your Jim Ellis employee benefits on a single mobile app for quick and convenient access when you need it. The app also includes tools and information to make it easier for you to stay healthy and well.

The employer-paid Teladoc benefit, which provides 24/7 access to licensed physicians for non-complex illnesses and injuries, will be accessed through the HealthJoy mobile app, for all employees, regardless of medical plan enrollment, beginning on January 1, 2026.

2026 Non-Medical Plan Updates

• Voluntary Life Insurance Open Enrollment: This is a special Open Enrollment offer, and team members may elect or increase coverage for yourself or your spouse at this time with no health questions. This offer excludes members who have been previously declined for medical reasons.
• Healthcare Flexible Spending Account (FSA): The 2026 annual maximum benefit is $3,400, and the 2026 allowable rollover is up to $680.
• New Pet Insurance Benefit: We’re pleased to offer a new pet insurance benefit, insured by Nationwide, to help protect and care for your special family members.
• There are no changes to the dental, vision, disability, critical illness, accident, and identity theft benefits for 2026.

Benefits Service Center Hours

• Monday through Thursday: 8:00 a.m.  - 6:00 p.m.
• Friday: 8:00 a.m. - 5:00 p.m.