2025 Annual Benefits Enrollment
October 28 - November 15, 2024
On this page, you will find information about the changes to your benefits for 2025. You should also review the What's Changing mailer that was sent to your home, which you will find below.
This is your once-a-year opportunity to review your options and build a benefits plan that works for you and your family, selecting your benefits from our four pillars of well-being to support your health, mind, security, and community. Review the Benefits Guide, which offers in-depth information about your options and additional details on the benefits changes. You should also read the FAQs for answers to common questions.
Take Note: 2025 Annual Benefits Enrollment
Most of your current benefit elections will carry forward to 2025. You do not need to actively enroll this year, unless you want to:
- Enroll for the first time.
- Make changes to your current benefit plans and/or dependents.
- Elect a Health Savings Account (HSA) or Flexible Spending Account (FSA) contribution amount for 2025.
If you do not take action during Annual Benefits Enrollment, your next opportunity to change your benefits will be next year’s annual enrollment period unless you experience a qualifying life event, such as getting married or having a baby.
Note: If you are currently enrolled in a local HMO plan, you will be contacted if there are changes to your medical benefits for 2025.
Review What's Changing
To see the new benefits and additions for 2025, see the Benefits Guide:
- 2nd.MD - Medical Second Opinion
- Bariatric Surgery Coverage
- Supplemental Life - Special Enrollment
- Parental Leaves
- Enhancements to the EAP
Schedule MinuteClinic® Appointments via SyscoBenefits.com
Beginning October 28, you’ll be able to schedule MinuteClinic® appointments from the home page of this site if you are enrolled in a Sysco-sponsored national medical plan through Aetna. Watch for more information coming soon.
Read Your What’s Changing Mailer
This was sent to your home in mid-October. If English is not your native language, we have translated the mailer into Spanish, French, Pashto, Karen, and Dari. Select your language from the drop down:
Benefits Changes for 2025
2025 Benefit Plan Rates
Due to rising healthcare costs and increases in claims, in 2025, dental rates will increase by an average of $8 to $10 a month, and medical rates will increase by an average of $30 to $40 a month. Your actual costs will vary based on the medical and dental plan you elect and your rate tier. You will notice a small decrease in your monthly vision rates for 2025.
The 2025 rates for all benefits will be available in the Total Rewards Café by October 28.
2025 Rate Structure
Beginning January 1, the medical plan rate structure is changing. We are moving to wage bands based on regular earnings. For most colleagues, regular earnings will be your base salary as of October 1. The new 2025 rate structure will be based on your yearly salary, as follows:
- Under $75,000
- $75,000 to $150,000
- Over $150,000
Some locations and MIP colleagues may have different rate structures. Union rates and rate structures are subject to your collective bargaining agreement. The 2025 rates for all benefits will be available in the Total Rewards Café by October 28.
Summaries of Benefits and Coverage (SBCs)
You can find the SBCs and other legal notices here, including the Accident, Critical Illness, and Hospital Indemnity Plan Summaries.
Savings and Spending Account 2024 Limits
These are the limits for 2025:
- The Health Savings Account (HSA) 2025 limits will be $4,300 for individual coverage and $8,550 for family coverage. Catch-up contributions of $1,000 are allowed if you are at least 55 years of age (includes those who will turn age 55 by the calendar year end).
- In 2025, you can save from $100 up to the 2025 IRS limit in the Health Care FSA. You will only be able to carry over the maximum IRS carry over limit to your Health Care FSA from 2025 for use in 2026.
- In 2025, you can save from $100 up to the 2025 IRS limit in the Limited Purpose FSA.
- The 2025 Dependent Care Flexible Spending Account (DCFSA) limit is $5,000 unless you and your spouse or domestic partner file separate tax returns, in which case, the most you can save is $2,500.
ID Cards
If you enroll in a Sysco-sponsored national medical plan for the first time or change plans for 2025, you will receive a medical ID card from Aetna in early January sent to the home address you have on file. You will not get a new medical plan ID card if you do not change plans for 2025.
Important Reminders
Make Sure Your Current Providers are in the Network
Occasionally, providers move networks. Take a moment to make sure your providers are in the network. To see if your medical, dental, behavioral health, and other providers are in the Aetna network, click here. You will be prompted to select a plan name. The plan names are:
- Basic/PPO/HSA Medical plans – Aetna Choice POS II Network
- National MO Medical plan – Aetna Select Open Access Network
- Basic and Premium Dental plans – Aetna Dental PPO Network
If Both You and Your Spouse or Domestic Partner Work at Sysco
If you and your spouse or domestic partner are both eligible to enroll in the Sysco Health and Welfare plans, you can select one of the below enrollment options:
- You may each enroll independently/separately in Sysco benefits
OR - You may cover your spouse as an eligible dependent under your plan (or vice versa)
Please note—you cannot elect both option 1 and 2. No Sysco colleague can be covered as both a dependent and a colleague under the plan.
In addition, your child(ren) cannot be covered as a dependent by both you and your spouse or domestic partner. Only one of you can cover your eligible child(ren).
Provide Dependent Verification Documentation by November 22
To meet compliance requirements and help manage rising health care costs, if you were hired before September 1, 2023, you will need to provide dependent verification documentation from October 28 to November 22, 2024.
You will need to provide documentation that verifies your dependents are eligible to participate in our benefit programs in 2025. Documentation includes, but is not limited to:
- Birth certificate
- Proof of marriage (and joint ownership paperwork, such as a mortgage if the date of marriage is not within the past 12 months)
- Adoption records
- Legal guardianship records
- Domestic partner affidavit
Click here to see a full list of the required documentation and instructions on how to submit it.
If you don't have the required documentation, act now so you do not miss the November 22 deadline.
Your Benefits Resources
How to Enroll in the Total Rewards Café
You will enroll through the Total Rewards Café. You can find the instructions here. If you have any problems creating a username and password, logging in, or enrolling in your benefits, call the Sysco Benefits Center at 1-800-55-SYSCO (1-800-557-9726), Monday – Friday, 7 a.m. – 7 p.m. CT. Live chat and translators are available.
Ask Emma
Ask Emma is our interactive decision support tool! Emma guides you through the benefits enrollment process by asking you a few simple questions. Based on your responses, she’ll suggest plans that fit your individual needs, taking the guesswork out of your benefits shopping experience. Enable the Ask Emma tool at any time when you enroll in the Total Rewards Café.
Your Healthcare Advocate
If you are enrolled in a Sysco-sponsored national medical plan administered by Aetna, your Healthcare Advocate can help you select your 2024 benefits and manage your benefits throughout the year. There are three ways to connect with your Healthcare Advocate:
- Call the Healthcare Advocate at 1-833-361-0223, 8 a.m. to 8 p.m., Monday through Friday, in your time zone.
- Live chat from 7 a.m. to 8 p.m., Monday through Friday, in the Central time zone.
- Send an email. Log in to your member account and select Send a Message. You’ll get a response within 24 hours.
bswift Mobile App
Download the bswift Mobile app to:
- View plan details
- Navigate to the Total Rewards Café
- Check coverages and beneficiary information
- Upload dependent verification documents
- Link to carrier websites
- Find provider contact information
Add the app to your Apple or Android device. Enter the company code syscobenefits and follow the on-screen instructions.
When You’re Ready to Enroll
Once you’ve explored all of your benefit options and made your selections, log in to the Total Rewards Café from Oct. 28-Nov. 15 to enroll. If you have questions or need assistance, call the Sysco Benefits Center at 1-800-55-SYSCO (1-800-557-9726).