October 2025 Benefits Report

AT&T Annual Enrollment

Annual Enrollment for benefits will begin at 7:00am on October 20, 2025 and run through 7:00pm on November 7, 2025. Enroll online at att.com/benefitscenter or by calling 877-722-0020.

Everyone must complete the Tobacco User Attestation for themselves and their spouse, during the enrollment process, otherwise you will default to whatever your response was last year. Anyone who did not complete the Tobacco User Attestation last year defaulted to being a Tobacco User. A Tobacco User is defined as someone who uses tobacco once a month or more. This includes cigarettes, cigars, pipes, e-cigarettes, vaporizers and smokeless tobacco. A $75 per person per month Tobacco User Surcharge will apply to anyone who is a Tobacco User.

If you or your spouse are Tobacco Users and want to avoid the surcharge, you must complete the free Tobacco Cessation Program offered by the company through Pelago. You can register online at my.pelagohealth.com/att. Once registered you must download the app and sign in using the same credentials used to register.

If you complete the Tobacco Cessation Program on or before Dec. 31, 2025, you will receive a refund of any Tobacco User Surcharges you paid in Plan Year 2025 retroactive to Jan. 1, 2025.

To prevent any Tobacco User Surcharge from applying to a 2026 paycheck, you must complete the Tobacco Cessation Program before Dec. 1, 2025.

If you complete the Tobacco Cessation Program after Dec. 1, 2025 and on or before Dec. 31, 2026, you will receive a refund of any Tobacco User Surcharges you paid in 2026 back to Jan. 1, 2026.

Medical Contributions, Deductibles and Annual Out-of-Pocket Maximums for 2026 are increasing as per the contract.

If you enroll in a High Deductible Health Plan, like the PPO or HCN Option 2 and Option 3, you can also contribute to a Health Savings Account (HSA). HSA Contributions Maximums are increasing by $100 for individuals and $200 for families.

You can open an HSA account with any financial institution, but for payroll deducted contributions it must be with Fidelity. During the enrollment process input your desired annual HSA Contribution. If this is your first time establishing an HSA account with Fidelity, you must go to their website to open the HSA account after completing your Annual Enrollment.

The Healthcare FSA Contribution Maximum increased to $3,300 for 2025. The IRS may announce an increase for 2026 after the enrollment period ends. If you elect to contribute the maximum amount during Annual Enrollment, then you can elect to have an automatic increase once the 2026 Maximum is announced.

Dependent Care FSA Maximums are increasing for the first time in a long time from $5,000 to $7,500.

Caremark prescription deadlines for 2025 costs:

• Mail order new or refill by 11:00am on 12/17/2025
• Retail/Specialty Pharmacy new or refill by 11:59pm on 12/19/2025
• Refill orders placed with CVS Caremark service associate by 5:00pm on 12/24/2025
• Refill orders using automated IVR/phone system or online order system by 11:59pm on 12/24/2025

Vision Plan monthly contribution rates are increasing as per the contract.