2022 Open Enrollment

It’s Time to Take Action!

Make Your Benefit Elections from November 3 – November 17, 2021.

Open Enrollment is your once-a-year opportunity to enroll in or make changes to your benefits. We are pleased to provide competitive benefits, designed with your health and financial protection in mind. We encourage you to review your benefits carefully, so you’ll have the information you need to make Open Enrollment a success.

What Should You Do During Open Enrollment?

Cradlepoint’s Open Enrollment is passive, meaning your current elections, such as medical, dental, vision, and voluntary benefits, will automatically roll over to the next plan year if no changes are made.

However, you MUST actively enroll if you want to:

  • Make changes to your benefits.
  • Add or drop dependents from coverage.
  • Enroll in the Kaiser CA health plan.
  • Start contributing or change contribution amount to a Flexible Spending Account.
  • Contribute to a 2022 Health Savings Account (HSA).

After Open Enrollment ends, you won’t be able to make changes to your coverage until the next Open Enrollment period (unless you have a qualifying event, such as marriage or the birth of a child).

Enhancements for 2022

Each year, we review our plans to ensure you receive comprehensive coverage that meets your needs. In 2022, we are making some enhancements and changes to your benefits:

Cradlepoint’s Benefits Site

Now all your benefits information is in one location! Review this site for full plan information, documents, links, resources, and notices.

Increased Cradlepoint Health Savings Account (HSA) Contributions

Employees enrolled in the Aetna Healthfund Choice Plan are eligible to participate in an HSA. Cradlepoint contributes to the HSA, and in 2022 we are upping our contribution amounts to $1,250 for employee only coverage and $2,500 for employee plus family coverage. This is FREE money to help you cover your healthcare expenses.

Kaiser HMO – CA Residents Only

This new medical plan allows California residents to access care from within the Kaiser Permanente network. With more than 16,000 providers throughout the state, Kaiser takes a collaborative and coordinated approach to care. Doctors in every specialty work together to provide seamless care, whether in-person or virtually. The new Kaiser HMO plan comes with a robust telemedicine option which allows you to access the support you need, from wherever you are, 24/7/365.

New Cradlepoint Aetna Health Concierge

Introducing your personal health care assistant. The Cradlepoint Aetna Health Concierge can help you make sense of your coverage; selecting an in-network doctor, planning for upcoming treatment, estimating costs, and more. They are also available during Open Enrollment for questions regarding your Aetna medical and pharmacy coverage.
Call 833-915-3870 to get started.

Aetna Infertility/Fertility Coverage

For employees enrolled in an Aetna medical plan, comprehensive infertility services and advanced reproductive technology will be covered beginning January 1, 2022.

Aetna Resource for Healthy Living EAP

We know things can get challenging. That’s why we’ve enhanced our Resources For Living EAP, a free and confidential resource to help you manage your work-life balance with support such as:

  • Access up to 6 counseling sessions per issue each year (previous program allowed for 5 sessions)
  • EAP integration with your Aetna medical benefits, allowing for continuity of care if additional mental health/substance abuse support is needed
  • Talkspace – An online therapy platform that makes it easy and convenient for you to connect with a licensed behavioral therapist.

Delta Dental Enhancements

The annual maximum and orthodontia lifetime maximum are increasing from $1,000 to $2,000. Plus, orthodontia benefits will be made available to all members, adults and children.

VSP Vision

Starting in 2022, the Cradlepoint vision plan will offer comprehensive vision coverage such as eye exams, glasses and savings on lens upgrades. Plus, we’ve added VSP EasyOptions, which allows you to choose your coverage from a variety of covered upgrades during your in-network doctor’s visit.

Unum Basic Life and AD&D

Our company-paid life insurance coverage is increasing from $10,000 to $100,000 at no cost to you. Be sure to designate or update your beneficiary!

Unum Voluntary Life Guarantee Issue (GI) Increase

GI is the amount of life insurance you are eligible to receive without having to answer medical questions. In 2022, GI is increasing to $250,000 for employee and $50,000 for spouse coverage.

Paid Parental Leave 

Cradlepoint is proud to now offer paid Parental Leave! More details to follow.

New Zurich Group Travel Assurance (GTA) Coverage

Feel protected when you are traveling on business or vacation. GTA puts you in touch with a network of providers for medical, legal, security and personal assistance when you are away from home. This benefit is offered to you at no cost.

Your Cost for Benefits 

Previously, Cradlepoint covered the full cost of both dental and vision for employee-only coverage. Beginning in 2022, Cradlepoint will cover 50% of the premium cost for all levels of coverage. Please refer to the contribution charts for more details.

Your Open Enrollment Checklist

Prepare for Open Enrollment

  • Did you experience a life change this year, such as a marriage or the birth of a child? Review your current plans to ensure you have the coverage you need.
  • Read your benefit guide to learn about your new and existing plan options.
  • Attend an Open Enrollment meeting and ask questions.
  • Review this site for detailed plan information, documents, and notices.

Enroll

This is a passive enrollment. Most of your benefit elections will rollover from 2021 to 2022, with the exceptions of Flexible Spending Accounts (FSAs) or the Health Savings Account (HSA). To ensure your continued enrollment(s), be sure to make a 2022 election.

Follow these steps to enroll in your benefits.

1. Evaluate Your Needs

Take a moment to ask yourself the following questions:

  • Who should I cover? Evaluate your coverage options for all dependents who meet eligibility requirements.
  • How much did I spend on health care last year? Consider your past expenses to help you plan for your future needs.
  • Will I need more, or less, health coverage next year? Are you having a baby? Considering a surgery? Currently in treatment for a chronic condition? Estimate the level of health care you may need in the upcoming year compared to any personal funds set aside to cover planned or unforeseen medical expenses.

2. Review Your Options

  • Review the pages of this site to compare your options and evaluate plan costs and potential savings.

3. Enroll Online

Quick Links

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