WHAT YOU NEED TO KNOW FOR 2025
Caleres makes an investment in you by offering and paying the majority of the costs for a suite of benefit plans and other rewards designed to make your life easier.
We review our benefits every year to make sure we’re providing the best value for you and your family. Most of your benefits will remain the same in 2025, but we are making a few changes.
Prescription coverage
When you enroll in a Caleres medical plan, you automatically receive prescription coverage. In 2025, our prescription coverage will be provided by Express Scripts. We are pleased that 99% of pharmacies currently used will also be in-network with Express Scripts.
Plan updates
You may see some differences in the formulary, which is a list of medications covered by the plan. This could impact the cost of medications. Starting in 2025, we are excited that we will offer coverage for fertility medications. Also starting in 2025, there will be discounted pricing for mail-order prescriptions.
Look for more information
Watch your mail at home for information from Express Scripts. It will address formulary changes that may affect you and provide instructions for handling the transition with your pharmacy.
Download the app
Starting in January, you can manage your prescriptions with the Express Scripts app.
Medical plans
Health care inflation is affecting all of us this year. As a result, you will pay a higher medical plan premium in 2025.
Fertility coverage
We are enhancing our fertility coverage starting in 2025 in all of the UHC and Surest plans from a $5,000 annual maximum to a $20,000 lifetime maximum. Details on how to use this benefit will be available in the plan documents in early 2025.
WHAT HAPPENS IF I DON’T ENROLL?
If you don’t do anything, your current coverage will continue in 2025 except your HSA and FSA. If you want an HSA or FSA in 2025, you must re-enroll during Open Enrollment.
Your next chance to enroll or make changes won’t be for another year, unless you have a qualifying life event, like getting married or having a baby.
TAKE ACTION DURING OPEN ENROLLMENT
All your benefits information is available on YourCaleres.com. During Open Enrollment, you can enroll in, drop, or change the following benefits:
Health
- Medical and prescription drug, dental, and vision coverage
- Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
Reminder: If you want to contribute to an HSA or FSA in 2025, you must re-enroll during Open Enrollment. These do not automatically carry over to the next plan year.
Life, accident and disability
- Supplemental life and accidental death and dismemberment insurance
- Accident, critical illness, and hospital indemnity insurance
- Long-term disability
Other
Tools to find the right fit
Caleres offers a variety of tools to help you decide which benefits are the best fit for you and your family.
Medical Plans Comparison Video
Watch a short Medical Plan Comparison video that compares our four medical plans.
Medical and Prescription Plan Comparison Charts
- 2025 Medical Plan Comparison Chart (View PDF in new tab)
- 2025 Prescription Plan Comparison Chart (View PDF in new tab)
Dayforce Medical Plan Quiz
Take a short quiz during your enrollment on Dayforce to get help picking a plan.
Benefit Scout
Use Benefit Scout to get help deciding how much life insurance is right for you.
WEX Benefit Toolkit
Visit the WEX Benefit Toolkit to view eligible expenses and estimate potential savings when you contribute to an HSA or FSA.
VIEW 2025 RATES
The amount you pay for medical, dental, and vision coverage depends on which plans you choose and who you cover.
- View 2025 rates for associates hired before 12/31/2021 (View PDF in new tab)
- View 2025 rates for associates hired on or after 1/1/2022 (View PDF in new tab)
CHOOSE WHO TO COVER
In addition to yourself, you can cover your spouse/domestic partner and children on many of your health and financial protection benefits.