This is our U.S. Total Rewards site. Need global details?

What’s new for 2025?

Here’s a look at the benefits that are new and changing in 2025. You’ll notice most benefits are staying the same, but that doesn’t mean there aren’t opportunities for you to enhance and improve your health.

If you don’t take action

Annual Enrollment is November 1-15, 2024. If you don’t make any updates to your elections this time around, your next chance to make changes is the enrollment period for 2026 or through a qualifying life event.

Maternity and newborn program

For 2025, we are proud to introduce a new maternity and newborn program through the Maven Clinic. Maven focuses on providing well-rounded care for women and families at every stage of their journey, from early planning through pregnancy, birthing, and beyond.

For employees enrolled in a BCBSMA medical plan, you can sign up to receive guidance through all aspects of your pregnancy, postpartum, and infant care and even receive additional support if you experience a miscarriage or loss. Get 24/7 personalized, virtual care at no additional cost to you through a 12-month maternity module, and gain access to many helpful resources:

  • Unlimited video appointments and messaging with experts, including nutritionists, lactation consultants, doulas, career coaches, sleep coaches, midwives, OB-GYN coaches, and more specialists
  • Provider-led classes and pregnancy-related articles
  • Dedicated Care Advocates who can assist and help you make the most of Maven
  • Maven app for convenient access to the care you need whenever, wherever you are (Google Play | App Store)

Sign up for the Maven program to begin receiving the maternity care you deserve.

Changes to dental paycheck contributions and medical coverage

Your health care benefits play an important role in helping you be your best. As the cost of health care rises, Klaviyo continues to offer valuable coverage while paying the majority of the shared costs, so you and your family can have access to a variety of beneficial programs and services all year-round.

For 2025, you’ll see a modest paycheck contribution increase for all dental coverage levels.

2025 biweekly cost of dental coverage

Employee only
Employee + spouse or domestic partner*
Employee + children
Family**
DPO Plan
$4.68
$13.58
$13.58
$13.58

* Coverage that includes your domestic partner will be at a premium, combining pre- and post-tax contributions.

** Includes employee + domestic partner + employee’s children and employee + domestic partner + domestic partner’s children.

2025 medical plan coverage

While medical and vision paycheck contributions will stay the same as they were in 2024, out-of-pocket maximums and costs for certain services have increased under your chosen medical plan in 2025. Here’s a high-level comparison of how each plan will pay for services in 2025.

The Big Picture
HSA company contribution
Provider network
Deductible
Out-of-pocket maximum (medical)
Out-of-pocket maximum (prescription)
Prescription drugs
Cost of premium per paycheck
HDHP Saver Plan (HSA eligible)
$1,000 individual
$2,000 family
National PPO Network
$2,000 individual
$4,000 family**
Family deductible must be met before coinsurance applies
$6,450 individual
$12,900 family
Included in medical deductible
After meeting the plan’s deductible, you pay a copay per prescription
$
PPO Plan
N/A – not an HSA-eligible plan
National PPO Network
$500 individual
$1,250 family
$4,950 individual
$9,650 family
$1,000 individual
$2,000 family
The plan deductible does not apply; you pay a copay per prescription
$$$
HMO Plan
N/A – not an HSA-eligible plan
HMO Blue New England
$500 individual
$1,000 family
$4,950 individual
$9,990 family
$1,000 individual
$2,000 family
The plan deductible does not apply; you pay a copay per prescription
$$
The Details
Preventive care
Office visit (primary and specialist)
Mental health visit
Inpatient mental health treatment
Telehealth
Diagnostic and X-ray, MRI, CAT scan
Urgent care
Emergency room
Physical and occupational therapy (limit 60 visits)
Speech therapy
Outpatient surgery
Hospitalization
HDHP Saver Plan (HSA eligible)
Covered 100%, no deductible
10% after deductible
10% after deductible
10% after deductible
10% after deductible
10% after deductible
10% after deductible
$150 per visit after deductible is met (copay waived if admitted)
10% after deductible
10% after deductible
10% after deductible
10% after deductible
PPO Plan
Covered 100%
$35 per visit primary care
$35 per visit specialist
$35 per outpatient visit
$0 after deductible
$20 per visit
$0 after deductible
$35 per visit
$150 per visit after deductible is met (copay waived if admitted)
$35 per visit
$35 per visit
0% after deductible
0% after deductible
HMO Plan
Covered 100%
$35 per visit primary care
$35 per visit specialist
$35 per outpatient visit
$0 after deductible
$20 per visit
$0 after deductible
$35 per visit
$150 per visit, no deductible (copay waived if admitted)
$35 per visit after deductible
$35 per visit after deductible
0% after deductible
0% after deductible

* Out-of-network benefits are available, but you will pay more out-of-network.

** If enrolled in the BCBSMA HDHP Saver plan, the entire family deductible must be satisfied before benefits are provided for any one member enrolled for coverage.

HSA limits increase for 2025

When you enroll in the HDHP Saver Plan, you can contribute pretax dollars via payroll deductions to a health savings account (HSA) to pay for eligible health care expenses. The good news is Klaviyo contributes too!

The maximum amount you can contribute to your HSA is increasing for 2025. Keep in mind that this IRS limit includes both your contributions and Klaviyo’s.

  • Individual: $4,300 for employee-only coverage
  • Family: $8,550 for two-person or family coverage
  • Additional: If you’ll be 55 or older by December 31, 2025, you can save an added $1,000 in catch-up contributions

Reenroll to keep your FSA in 2025

You’ll need to reenroll to contribute to a flexible spending account (FSA) in 2025. Your 2024 elections will not roll over.

Contribution limits for 2025:

Be sure to estimate your 2025 expenses carefully. You can carry over $640 of your health care or limited purpose FSA funds from 2024 to 2025—the rest will be forfeited. You cannot carry over any unused funds in your dependent care FSA.

*** The IRS limit for 2025 for the health care FSA has not been released.

Life, AD&D, and disability plan updates

Starting January 1, 2025, your basic life and accidental death and dismemberment (AD&D) insurance policies, along with your short- and long-term disability benefits, will transition to Reliance Matrix and will no longer be administered through Prudential. Please open any applicable claims respectively, depending on your date of disability.

The short-term disability plan replaces 60% of your pay if you must be out of work due to an illness, injury, medical emergency, surgery or childbirth. Starting next year, the plan will cover your pay for a longer period, up to 26 weeks (up to a $2,500 per week maximum).

Note: This change does not impact anyone that currently has a claim with Prudential. If you become disabled on or prior to December 31, 2024, then you should proceed to file your claim with Prudential. If you become disabled on or after January 1, 2025, then you will need to file your claim with Reliance Matrix.

Back to Top

Contacts

Klaviyo Benefits Team

Email

Decision Support Hotline with BCBS

800-358-2227, option 3

Need more details?

Browse the U.S. Benefits Member Directory to contact the relevant provider with your questions.
Go now