Dexter is pleased to provide you with a wide range of benefits that meet your needs. Open Enrollment is the only time you can make changes to your benefit decisions each year, unless you experience a qualifying life event during the year.
OPEN ENROLLMENT HIGHLIGHTS
CHANGE IS COMING. AND IT'S WORTH PAYING ATTENTION.
Dexter is making important updates to how you access and manage your care. It's up to you to understand what's changing and how to make the most of it.
These important improvements are designed to make it easier to find the right provider, understand your coverage, and keep your costs down.
We know change takes adjustment, but this one's designed to benefit you, with tools and support at every step.
EMBRACE THE NEW.
We're introducing NEW Medical, Pharmacy (Rx), and Required Surgical Networks. These updates improve your access to high-quality care and help reduce out-of-pocket costs.
STAY CONNECTED.
Before you receive care, contact Quantum Health. Their Care Coordinators can help you confirm coverage, find in-network providers, and guide you through every detail, so change doesn't equal "surprise", especially for your wallet.
BE AN ACTIVE PARTICIPANT.
With Quantum Health, you'll have:
- Personalized support for your health care questions.
- Guidance in finding lower-cost options and trusted providers.
- Help with claims, bills, and next steps when you need it.
2026 OPEN ENROLLMENT.
Open Enrollment for 2026 is coming: November 3 - 14, 2025.
We will be having an ACTIVE enrollment, meaning you must enroll to have coverage in 2026. Remember, Open Enrollment is your chance to:
- Change, elect, or drop Medical, Dental, and/or Vision coverage.
- Add or remove a dependent to your benefits.
- Contribute to a Health Care Spending Account (FSA), Limited Purpose FSA, and/or Dependent Care FSA.
- Elect Supplemental Life Insurance for you and your dependents.
- Regardless of Open Enrollment status (active/passive), all employees who would like to participate in the Flexible Spending Account (FSA) benefit - Health, Limited, and Dependent Care, and/or the Health Savings Account (HSA) MUST enroll/re-enroll.
WE'RE IN THIS TOGETHER.
Your health and financial wellness matter, and these updates give you more control, confidence, and clarity in your care. Let's get started!
WHAT'S NEW FOR JANUARY 2026?
WELCOME, QUANTUM HEALTH!
Quantum Health is your go-to team for any questions or concerns about your health care and benefits. Their team are available to assist all employees, regardless of your benefits enrollment.
Quantum Health's Care Coordinators are available to guide you to the right care at the right price. Quantum Health's team of expert Care Coordinators are available through the Quantum Health app, online at DexterHealthHub.com or by phone at 844-460-2840.
Quantum Health is your first call when you need health care or have questions related to your benefits. Find all the details here.
INTRODUCING PRICE PROTECTION
Your medical plan has built-in price protection to make sure you don't overpay for care. Quantum Health will work with Imagine360 to make sure your claims don't go over your plan's allowable limits. That saves you and Dexter money. If a provider sends you a bill that goes over your out-of-pocket responsibility as shown on your Explanation of Benefits (EOB), your Quantum Health Care Coordinator will help. Be sure to notify your Care Coordinator as soon as possible if you have a question about a bill. They'll connect you with an advocacy expert at Imagine360 who will work on your behalf to resolve the bill with your provider.
Quantum Health is there for you, even if you don't know where to begin. With this service, you'll have help navigating your Imagine360 plan every step of the way.
MEDICAL AND PRESCRIPTION DRUG UPDATES
- If you enroll in the Dexter Health Plan you will receive a new Medical and Pharmacy ID card. This card will replace your current medical ID card. Be sure to present the card to your health care providers when you are receiving health care services. If the provider has questions, they can call the phone number on the ID card.
- Medical plans now have an Open Network for all services except for bariatric, spine, and joint surgeries. These services will be covered through the Carrum Network. Click here for more information.
- Free Virtual Primary Care: Access to a physician 24/7 through text, phone, or video. Click here for more information.
- Our new pharmacy partner, Rightway, will help you manage your prescription medications and assist you in finding lower costs! Click here for more information.
- NEW Employee Assistance Program (EAP) through Health Advocate. Check out the digital cognitive behavioral therapy (dCBT) program. Click here for more information.
ANNUAL CONTRIBUTION LIMITS INCREASED
- Dependent Care Flexible Spending Account (FSA): $7,500 ($3,750 if married and filing separately)
- Health Savings Account (HSA): $4,400/Individual and $8,750/Family
DO NOT LOSE OUT ON FREE MONEY! You must actively contribute to the HSA to receive Dexter's contributions. You must actively contribute to your HSA as of January 1 to qualify for the February Dexter contribution, and as of July 1 to qualify for the August Dexter contribution.
WHAT DO I NEED TO DO?
ENROLLMENT TO-DO CHECKLIST
You MUST ENROLL to have coverage for 2026
✔ Visit Dexter's Decision Tool
✔ Add Quantum Health (844-460-2840) and Virtual Primary Care (574-227-5490) phone numbers to your contacts
✔ Call Quantum Health with ANY benefit questions starting December 1, 2025
✔ Providers and pharmacies will need your new health care ID cards.
BEFORE YOU ENROLL
As you review your benefit guide to learn about your options, ask yourself these questions:
1. WHO SHOULD I COVER?
Review your coverage options for all dependents who meet eligibility requirements. You are required to provide proof of eligibility for any new dependents added to your coverage.
2. HOW MUCH DID I SPEND ON HEALTH CARE LAST YEAR?
Consider your past expenses and current budget to select plans with the coverage you need at an affordable price.
3. DO I NEED MORE, OR LESS, HEALTH COVERAGE?
Are you having a baby? Considering a surgery? Currently in treatment for a chronic condition? Estimate the level of care you may need in the upcoming year.
HOW TO ENROLL
1. LOG IN TO ADP
You may go to the website or the ADP mobile app. Don't have an account yet or forgot your password? Contact MyLife Advisor at 855-547-8508 (M-F, 8:00 a.m. to 11:30 p.m. EST) / MyLifeAdvisor@adp.com.
2. REVIEW
Check your mailing address and phone number and make updates so you don't miss out on valuable information throughout the year.
3. START
Click 'Start Enrollment', which may appear in a pop-up or can be found on the 'My Benefits' menu.
4. COVERAGE
Review your coverage options and follow the prompts to elect or waive coverage.
5. DEPENDENTS & BENEFICIARIES
Review your dependents and beneficiaries by clicking 'Manage Dependents'. If you need to make changes, click 'Add Dependent or Beneficiary'.
6. CONFIRM
Confirm your choices to make sure they reflect the coverage you've selected for 2026.
7. SUBMIT
Submit your elections by clicking 'Yes'. On the enrollment page, you will find a confirmation message.
8. PRINT OR SAVE
Print or save a record of your enrollment. You will not have coverage in 2026 unless you enroll.
