Changes for Open Enrollment 2026
Open Enrollment will run from Aug. 24th – Sept. 4th
Open Enrollment Video
Medical Plan – RBR Plan Changes
Two Plans to choose from:
RBR Medical Plan – increased deductible and out-of-pocket maximum
The RBR Medical Plan will have increased deductible and out-of-pocket maximum. Preventive care is still covered at 100%, with no copay or out-of-pocket cost. Copays are:
- $25 for primary care visits
- $50 for specialist visits
- $250 for the first ER visit
The annual deductible will be $750 per person, and the out-of-pocket maximum will be $3,000 per person. That means after you pay the first $750 in covered expenses, you’ll pay 20% of the remaining costs until you hit the $3,000 cap. For families, two members must each meet the $750 deductible and $3,000 out-of-pocket max, totaling $1,500 deductible and $6,000 out-of-pocket max for the family.
The CIGNA Network Medical Plan will remain the same
The Network plan, offered through HPI and using the CIGNA Network, gives you access to a broader range of providers and covers 98% of our geographic footprint but comes with higher costs due to fewer network discounts. Preventive care is still fully covered, but the rest of the costs are a bit different.
- $35 for primary care visits
- $75 for specialist visits
- $500 for the first ER visit
The annual deductible is $1,500 per person and $3,000 per family, with an out-of-pocket maximum of $5,000 per person and $10,000 per family. Just like the RBR plan, once you meet your deductible, you’ll pay 20% of covered expenses until you hit that out-of-pocket max.
Plan Design Comparison Chart
| Feature | RBR Plan | Cigna Network Plan |
|---|---|---|
| Primary Care Copay | $25 | $35 |
| Specialist Copay | $50 | $75 |
| Preventive Care | Covered at 100%, no copay | Covered at 100%, no copay |
| Coinsurance (After Deductible) | 20% of covered charges | 20% of covered charges |
| Out-of-Pocket Maximum (Family) | $6,000 | $10,000 |
| Out-of-Pocket Maximum (Individual) | $3,000 | $5,000 |
| Annual Deductible (Family) | $1,500 | $3,000 |
| Annual Deductible (Individual) | $750 | $1,500 |
| Emergency Room Copay (First Visit) | $250 | $500 |
Prescription Benefits Manager Change
Atlantic Packaging will be changing the prescription benefit manager to CVS Caremark. Prescription copays will remain the same on both plans. Please visit https://www.caremarkrxplaninfo.com/atlanticpackaging.html to learn more about CVS and your prescription benefits. You can also call 1-844-234-8129 to speak with a CVS representative.
AchieveHealth® Healthy Weight Program
Beginning October 1, 2026, GLP-1 prescription coverage (such as Wegovy and Zepbound) will no longer be covered under Atlantic Packaging medical plans. In place of that coverage, we are now offering access to anti-obesity GLP-1 medications, such as Zepbound or Wegovy, with a $25 copayment through the RxSaveCard, when paired with the holistic health coaching program administered by AchieveHealth®, designed to support sustainable wellness changes.
Key Information
- You must be enrolled in an Atlantic Packaging healthcare plan to be eligible for this program
- No new Rx Prior Authorization is needed for current Atlantic Packaging health plan participants taking a weight loss medication. However, providers will need to redirect participant prescriptions to Amazon Pharmacy, LillyDirect, or NovoCare to continue treatment.
- September 15, 2026 – Members can enroll in the AchieveHealth® Health Coaching program and schedule their first coaching session.
- October 1, 2026 – Coaching appointments will be available starting on this date.
How the $25 Discounted Co-pay Works
To receive the $25 discounted monthly copayment, you must:
- Complete one coaching call every 30 days
- Complete weekly weigh-ins (using the provided electronic scale)
Once completed:
- AchieveHealth® will confirm your eligibility with RxSaveCard
- You will be authorized with RxSaveCard for the $25 co-pay for GLP-1 purchases
- You can then use your RxSaveCard to purchase your medication directly from the manufacturer (Amazon Pharmacy, LillyDirect, or NovoCare).
Your Savings
- Anti-obesity GLP-1 medications, such as Zepbound or Wegovy: With no coverage, up to $500/month (depending on dose)
- Your cost with the Healthy Weight Program and RxSaveCard: $25
Ongoing Requirements
- Complete one coaching appointment every 30 days
- Complete weekly weigh-ins (using the provided electronic scale)
- Missing 2 consecutive scheduled appointments will lead to inactivation from the $25 discounted co-pay
Medical Oversight
Your AchieveHealth® coach supports your health goals, but your physician manages your medical care and must send your prescription directly to LillyDirect, NovoCare or Amazon Pharmacy.
Wellness Program Changes
Effective 10/1/26, we will be adding spouses to Atlantic’s wellness program. Spouses covered on an Atlantic health plan will be required to complete an annual physical and one (1) preventive screening by August 31, 2027.
Proof of these visits can be submitted directly to the WellRight platform or emailed to wellness@atlanticpkg.com. Proof can be an explanation of benefits, a bill, an after-visit summary, etc.
Medical Flexible Spending Account (FSA)
The Healthcare Flexible Spending Account (FSA) will still be available for the upcoming plan year. This benefit enables employees to set aside pre-tax funds for eligible medical, dental, and vision expenses.
During open enrollment, employees may elect an annual FSA contribution amount up to $3,400. The selected amount will be distributed evenly across pay periods throughout the year. For example, if you choose to contribute the maximum of $3,400 and receive weekly pay, $65.38 will be deducted each week for your FSA.
Which expenses are covered by your FSA?
- Copays, deductibles, and both doctor or specialist visits
- Prescription drugs and approved over-the-counter medicines
- Dental and vision care (exams, glasses, contacts)
- Medical equipment and supplies (e.g. crutches, bandages)
- Certain mental health services
For a full list of eligible items, click HERE or check the IRS website.
How do you use your FSA?
The Healthcare FSA will be administered by Flores. You will get a debit card so you can easily use your FSA funds—just swipe it for eligible expenses, and the amount comes right out of your balance. If you’d rather pay up front, you can always submit for reimbursement later. Be sure to hang on to your receipts in case you need them for documentation or if the IRS wants to take a look.
One thing to remember: FSAs have a “use-it-or-lose-it” rule. You need to spend your FSA money by November 30, 2027. The good news is that Atlantic lets you carry over up to $680 into the next plan year, but anything more than that won’t roll over.
An FSA can be a great way to save if you’re expecting medical, dental, or vision costs. Since your contributions are pre-tax, you could save anywhere from 20% to 40% on every dollar you put in.
Dependent Care Flexible Spending Account (FSA)
The Dependent Care Flexible Spending Account will also be available for the upcoming plan year. This benefit allows employees to set aside pre-tax dollars for qualifying dependent care needs.
During Open Enrollment, employees can allocate up to $7,500 per household in pre-tax dollars for eligible childcare expenses—such as daycare, summer camps, after school or extended day programs, au pairs, babysitters (in specific cases), and certain custodial or elder care.
The $7,500 annual limit applies per household, so combined contributions with a spouse cannot exceed this amount; exceeding it may result in tax penalties.
The Dependent Care FSA will be administered by Flores. For a full list of qualified expenses, click HERE or contact Eryn Johnson at erynt@atlanticpkg.com.
Open Enrollment Options on Supplemental Life Benefit
During open enrollment for the 2026-2027 plan year, new and current enrollees are eligible to elect or increase their employee supplemental life benefit by $40,000 up to the guaranteed issue limit of $350,000, without Evidence of Insurability. New and current enrollees are also eligible to elect or increase the spouse supplemental life insurance benefit by $10,000 up to the guaranteed issue limit of $50,000, without Evidence of Insurability.
Outside of annual enrollment, EOI may be required for any increase in coverage.
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