2026 Open Enrollment

Open Enrollment Dates

October 27 through Nov 10th @ Midnight EST

Effective January 1 through December 31, 2026.

  • All FSA/HSA and Dependent Care FSA MUST be renewed each year. Select new contributions for 2026.
  • Review the new 2026 Voluntary Benefits options. 
  • Enroll 3-Ways:
    1. Okta > BenefitPlace
    2. Via: https://secure3-enroll.com/go/lucid
    3. Download the BenefitPlace app (Apple/Google Play)
Enroll Now

US Employees Open Enrollment Webinar Recording

Webinar Slides

You are invited to join the following virtual or in person events.

Event Date Time (PT) Meeting Details
LIVE Q&A Webinar with Benefits Team October 28th 9am PST Link
Passcode: 993890

Call-in number: 1-877-853-5247
Meeting ID: 973 9731 1386
Southfield
Tour Stop October 27th 10am-2pm EST Conf Room Aspen
Newark
Benefit Fair & Flu Shots October 29th 10am-2pm L2 – Outdoor Courtyard and Conf Room Almanor
Benefit Office Hours November 4th 10am-2pm L2 S3 Huddle 3H
Benefit Office Hours November 5th 10am-2pm L2 S3 Huddle 3H
Arizona
Tour Stop October 29th 1pm-6pm Hanna Road Lunchroom
Tour Stop October 30th 2pm-5pm Tempe LOC Lunchroom
Tour Stop October 31th 12pm-2pm Phoenix Hub Lunchroom
Benefit Fair & Flu Shots November 4th 10am-2pm General Assembly – Main Market Lunchroom
Benefit Fair & Flu Shots November 5th 10am-2pm Powertrain – Main Market Lunchroom
Benefit Fair & Flu Shots November 6th 10am-2pm BIW – Main Lunch Area
Benefit Office Hours November 7th 3pm-6pm GA, PWT, BIW > All 3 Lunchrooms

Employees enrolling in an Aetna plan will receive ID cards in the mail in late December. Download the Aetna mobile app to view your digital ID cards.

Members maintaining Kaiser coverage, will not receive a new ID card. ID cards will be mailed to Kaiser participants enrolling for the first time.

Physical ID cards are not available for Delta Dental and VSP benefits. Download their mobile apps to access your digital ID card or provide your social security number to provider.

Important Open Enrollment Information

Previous Plan Name New Plan Name
Aetna Choice Plus HDHP PPO Aetna Choice POS II – HDHP
Aetna Open Access Select $500 EPO Aetna Open Access Select – $500
Aetna Open Access Select $0 EPO Aetna Open Access Select – $0
Aetna Choice Plus $100 PPO Aetna Choice POS II – $100
Kaiser Traditional HMO Kaiser Traditional
Aetna Banner JV $0 EPO  Banner + Aetna Open Access Select

The following programs will continue to be offered and paid by Lucid:

  • Life, AD&D, Short- and Long-Term Disability Insurance
  • Bright Horizons Back-up Childcare
  • AIG Business Travel Medical
  • Employee Assistance Program (EAP)

The following programs will be discontinued effective January 1, 2026:

Ending: Carrot Fertility benefits for US Employees – 12/31

Benefit Plan Options

Plan Features Aetna Choice POS II – HDHP

Aetna Open Access Select – $500

 Aetna Choice POS II – $100 Aetna Open Access Select – $0 Kaiser Traditional
In-Network In-Network Only In-Network  In-Network Only In-Network Only
Calendar Year Deductible
Individual/Family		 $2,000/$4,000 $500/$1,000 $100/$200 None None
Calendar Year Out-of-Pocket Maximum
Individual/Family		 $3,000/$6,000 $1,500/$4,500 $2,500/$5,000 $1,500/$4,500 $1,500/$3,000
HSA Employer Contribution Individual/Family $1,000/$2,000* N/A N/A N/A N/A
Primary/Specialist Office Visit 20%** $20 copay/
$40 copay		 $20 copay/
$40 copay		 $20 copay/
$40 copay		 $15 copay
Preventive Services No charge No charge No charge No charge No charge
Emergency Room 20%** $100 copay (waived if admitted) $100 copay + 20% 
(copay waived if admitted)		 $100 copay (waived if admitted) $100 copay (waived if admitted)
Lab and Imaging
Basic/Complex		 20%** No charge/$100 copay 20%** No charge/$100 copay $10 copay/$15 copay
Outpatient Surgery 20%** $250 copay 20%** $250 copay $250 copay
Inpatient Hospitalization 20%** $500/stay** 20%** $500 copay $250/stay
Chiropractic
(up to 25 visits/year)		 20%** $40 copay $40 copay $40 copay $15 copay
Infertility care
(lifetime maximum reimbursement)		 Up to $20,000 Up to $20,000 Up to $20,000 Up to $20,000 N/A
Prescription Drugs
Retail
30-Day Supply
Generic
Preferred
Non-Preferred		 $10 copay**
$30 copay**
$50 copay**		 $10 copay
$30 copay
$50 copay		 $10 copay
$30 copay
$50 copay		 $10 copay
$30 copay
$50 copay		 $10 copay
$30 copay
Up to $150 copay
Mail Order 
90-Day Supply
Generic
Preferred
Non-Preferred		 $20 copay**
$60 copay**
$100 copay**		 $20 copay
$60 copay
$100 copay		 $20 copay
$60 copay
$100 copay		 $20 copay
$60 copay
$100 copay		 $20 copay
$60 copay
Not covered

*Prorated for new hires.
**After deductible.

Bi-Weekly Payroll Deductions

  Aetna Choice POS II – HDHP

Aetna Open Access Select – $500

 Aetna Choice POS II – $100 Aetna Open Access Select – $0 Kaiser Traditional
Employee Only $0.00 $34.64 $75.54 $78.11 $87.15
Employee + Spouse $0.00 $114.25 $166.13 $171.74 $191.72
Employee + Children $0.00 $98.73 $143.54 $148.40 $174.30
Employee + Family $0.00 $158.17 $229.97 $237.75 $261.45

New York Weekly Payroll Deductions

  Aetna Choice POS II – HDHP

Aetna Open Access Select – $500

 Aetna Choice POS II – $100 Aetna Open Access Select – $0
Employee Only $0.00 $17.32 $37.77 $39.06
Employee + Spouse $0.00 $57.13 $83.07 $85.87
Employee + Children $0.00 $49.37 $71.77 $74.20
Employee + Family $0.00 $79.08 $114.98 $118.88
Plan Features Aetna Choice POS II – HDHP Banner + Aetna Open Access Select Aetna Choice POS II – $100
In-Network Out-of-Network In-Network Only In-Network Out-of-Network
Calendar Year Deductible
Individual/Family		 $2,000/$4,000 $4,000/$8,000 None $100/$200 $500/$1000
Calendar Year Out-of-Pocket Maximum
Individual/Family		 $3,000/$6,000 $6,000/$12,000 $2,500/$5,000 $2,500/$5,000 $5,000/$10,000
HSA Employer Contribution Individual/Family $1,000/$2,000* N/A N/A
Primary/Specialist Office Visit 20%** 40%** $20 copay/
$40 copay		 $20 copay/
$40 copay		 40%**
Preventive Services No charge 40%** No charge No charge 40%**
Urgent Care 20%** 40%** $50 copay $50 copay + 20% 40%**
Emergency Room 20%** $100 copay (copay waived if admitted) $100 copay + 20% (copay waived if admitted)
Lab & Imaging
Basic/Complex		 20%**/20%** 40%**/ 40%** No Charge/$100 copay No Charge/20%** 40%**
Outpatient Surgery 20%** 40%** $250 copay 20%** 40%**
Inpatient Hospitalization 20%** 40%** $500copay 20%** 40%**
Chiropractic
(up to 25 visits/year)		 20%** 40%** $40 copay $40 copay 40%**
Infertility Care
(lifetime maximum reimbursement)		 Up to $20,000 Not Available Up to $20,000 Up to $20,000 Not Available
Prescription Drugs
Rx (30-Day Retail)
Generic
Preferred
Non-Preferred 		$10 copay**
$30 copay**
$50 copay**		 Not Covered $10 copay
$30 copay
$50 copay		 $10 copay
$30 copay
$50 copay		 Not covered
Rx (90-Day Mail Order)
Generic
Preferred
Non-Preferred 		$20 copay**
$60 copay**
$100 copay**		 Not Covered $20 copay
$60 copay
$100 copay		 $20 copay
$60 copay
$100 copay		 Not covered

*Prorated for new hires.
**After deductible.

  Aetna Choice POS II – HDHP Banner + Aetna Open Access Select Aetna Choice POS II – $100
Employee Only $0.00 $23.29 $35.68
Employee + Spouse $0.00 $60.04 $92.01
Employee + Children $0.00 $47.91 $73.42
Employee + Family $0.00 $82.19 $125.94
Plan Features Delta Dental PPO
In-Network Premier Network Out-of-Network
Network Name Delta Dental PPO Delta Dental Premier N/A
Calendar Year Deductible
(waived for Preventive Services) Individual/Family		 $25 / $75 $25 / $75 $25 / $75
Dental Annual Maximum $2,000 per person $2,000 per person $2,000 per person
Orthodontia Lifetime Maximum $1,700 per person $1,700 per person $1,700 per person
  You pay:
Diagnostic & Preventive Services
(e.g., x-rays, cleanings, exams)		 0%  0%  0% 
Basic & Restorative Services
(e.g., fillings, extractions, root canals)		 10% 20% 20%
Major Services
(e.g., dentures, crowns, bridges)		 40%  50% 50%
Orthodontia
(adults & children)		 50% 50% 50%
Employee Cost Bi-weekly
Employee Only $5.22
Employee + Spouse $11.47
Employee + Children $10.43
Employee + Family $15.65

New York Hourly Employee Cost

Employee Cost Weekly
Employee Only $2.61
Employee + Spouse $5.74
Employee + Children $5.22
Employee + Family $7.82
Plan Features EyeMed
In-Network
Plus Provider		 In-Network Out-of-Network
You pay: You pay: Plan reimburses you:
Exam every 12 months $0 $0 Up to $40

Eyeglass Lenses every 12 months
Single Vision
Bifocal
Trifocal

 $20 copay $20 copay Up to $50
Frames every 24 months $0 copay; 20% off balance over $200 allowance $0 copay; 20% off balance over $150
allowance		 Up to $100

Safety Frames every 12 months

 Most frames covered in full, 20% off any remaining balance Most frames covered in full, 20% off any remaining balance Up to $80
Contact Lenses (elective)* every 12 months
Conventional & Disposable		 $0 copay; 15% off balance over $200 allowance $0 copay; 15% off balance over $150 allowance Up to $120

*In lieu of glasses, medically necessary paid-in-full in-network

 

Benefit Plan Bi-weekly Cost  Weekly Cost NY Hourly 
Employee Only $1.02 $0.51
Employee + Spouse $1.58 $0.79
Employee + Child(ren) $1.61 $0.80
Employee + Family $2.59 $1.29

Take Action

You only have between 10/27 – 11/10 to enroll or change benefits.

All US Employees wanting FSA/HSA or Dependent Care plans MUST renew and choose limits EVERY YEAR.

Resources

FSA Highlights

Lucid offers three FSAs to help you save money on everyday care by using pre-tax dollars:

  • Health Care FSA: Covers eligible medical, dental, and vision expenses.
  • Limited Purpose FSA: For dental and vision expenses, can be paired with an HSA.
  • Dependent Care FSA: Helps pay for childcare, after-school care, day camps, or elder care while you work. Dependent care contributions from previous employers count towards the IRS annual limits.
  • You choose how much to contribute for the year, and that amount is deducted from your paycheck before taxes, lowering your taxable income.


Note: FSA funds are “use-it-or-lose-it” accounts, so plan your contributions carefully.

How Do I Enroll?

  1. Enroll in one or more FSAs during your benefits enrollment window.
  2. After enrolling, go to NaviaBenefits.com and click Register in the top right corner.
  3. Follow the steps outlined in the Participant Online Registration Instructions.
  4. Use your Navia card to pay for eligible expenses or submit claims online.
  5. Manage everything easily with the Navia mobile app.


Need Help?

Contact Navia Customer Service at 800-669-3539 or email customerservice@naviabenefits.com.

What Happens to Your HSA after Termination?

Your FSA access ends when your employment with Lucid ends, and you can only be reimbursed for eligible expenses incurred before your termination date. According to the plan, you have 90 days to submit claims for services incurred prior to your termination date. If you are eligible for COBRA continuation coverage for the health Flexible Spending Account, you will be notified of your options under the plan. Contact Navia Customer Service at (425) 452-3500, toll-free (800) 669-3539 or email customerservice@naviabenefits.com for additional information.

What You Need to Know

Unused funds are forfeited.

The only exception to this is if you qualify for and elect COBRA (Health Care FSA or Limited purpose FSA only).

Your Navia debit card will be deactivated.

You will be unable to use it following your last day of employment.

Submit any remaining claims promptly.

Lucid plan allows 90 days window to submit claims for services incurred prior to your termination date.

You do not need to repay overspent FSA funds.

IRS rules prohibit employers from requiring repayment if your FSA was used before your termination date.

Need Help?

Contact Navia Customer Service at 800-669-3539 or email customerservice@naviabenefits.com.

What is 3-character employer code required to register?

LC3

How do I use my FSA funds?
You’ll receive a Navia Benefits debit card to pay for eligible expenses directly. You can also submit claims manually through the Navia Benefits app or portal if you pay out of pocket.

Where can I use my Navia card?
Your card works at most medical, dental, vision, and pharmacy locations.

How Can I use or activate my Navia Card?

Please call 866-881-4030 to activate your card.   At the point-of-sale terminal, choose to swipe the card as “CREDIT” option to sign your purchase receipt. If debit is the only available option and you don’t have your PIN, you can obtain it by logging into your account at www.naviabenefits.com choosing My Tools- Manage My Navia Benefits card – Get a PIN.

How to order a debit card replacement or dependent card?

Follow the steps outlined in the (Attached instructions in the e-mail)

Can I still get reimbursed if I forgot to use my FSA card?

Yes, You can submit a claim online with proof of eligible purchase. Follow the steps outlined in the (Attached instructions in the e-mail)

Do I need to keep my receipts?
Yes! Even if a purchase goes through, Navia may request itemized receipts to verify eligibility, so keep them.

What does “use it or lose it” mean?
FSA funds must be used by the end of the plan year. Unused funds for Healthcare/Limited purpose FSA (with the exception of up to $660 in rollover funds) are forfeited, so estimate your expenses carefully.

Can I have both an HSA and FSA?
Yes, if you choose a Limited Purpose FSA, which can be used for dental and vision expenses while your HSA covers broader medical costs and can be saved for the future.

Where can I learn more?

Still have questions? Contact Navia Customer Service at 800-669-3539 or email customerservice@naviabenefits.com.

Documents

Aetna

Kaiser