What’s New for 2026

We regularly evaluate our plans and providers to ensure that we can continue to offer comprehensive, affordable health care coverage. Based on our recent evaluation, we decided to consolidate our medical plan provider networks. As a result, effective January 1, 2026, all medical plan participants will be covered under UMR, a UnitedHealthcare provider network.

Current Meritain Health member? More than 97% of Meritain Health providers are also part of the UMR network. If your care is impacted by the network consolidation, Accolade can help with transition-of-care support. Watch for a separate communication with next steps. If you don't receive this communication, or if you have any health care questions, reach out to Accolade by visiting Accolade or calling 877-727-0903.

If you’re enrolled in the HDHP with HSA medical coverage option, you have access to an HSA, which lets you stash away money on a before-tax basis to use on eligible health care expenses. This allows you to save money on health care costs and lower your taxable income. In 2026, you can contribute even more to your HSA: up to $4,400 if you have employee-only coverage and up to $8,750 if you cover at least one dependent. If you’re 55 or older, you can contribute an additional $1,000. 

Keep in mind that these limits include CSL’s contribution, which is $500 if you have employee-only coverage and $1,000 if you cover at least one dependent. These contributions are deposited in equal installments over each pay period throughout the year. Important: To receive CSL’s HSA contribution, you must have agreed to the HSA terms and conditions during Annual Enrollment.

With a Dependent Care Flexible Spending Account (Dependent Care FSA), you can set aside pretax dollars through automatic paycheck deductions — and reduce your taxable income in the process. The maximum amount you can contribute to your Dependent Care FSA is increasing from $5,000 to $7,500 per year (the combined limit between you and your spouse) for 2026. Note: If you're a "highly compensated employee" (annual salary of $150,000 or more), your Dependent Care FSA contributions may be limited. If you need to reduce your elections or pay back any over-contributions, you'll be notified.

To ensure you’re getting the maximum benefit from your CSL resources, take some time to explore and evaluate them throughout the year. Here are the main programs you may want to focus on.

Health

Medical

CSL offers a range of medical plans to meet your and your family’s diverse needs. Effective January 1, 2026, all medical plan participants will be covered under UMR, a UnitedHealthcare provider network. You continue to have three medical plans to choose from as part of the UMR network: network:

• Basic Plan: A preferred provider organization (PPO) option with prescription drug copays
• HDHP with Health Savings Account (HSA): A high-deductible option with an HSA and prescription drug coinsurance
• Premium Plan: A PPO option with prescription drug copays

Dental

You have two Aetna dental plan options to keep your teeth in tip-top shape: the Premium Dental Plan and the Base Dental Plan. Both cover preventive care services — including routine exams and cleanings — at 100%. The Premium plan offers lower coinsurance and deductibles and more coverage for basic and major services.

Vision

Keep your eyes on the prize with one of CSL’s two vision plans. The Base Plan covers an eye exam at 100% and gives you access to discounts on other products. With the Premium Plan, you get either a $200 annual allowance for frames or a $200 annual allowance for elective contact lenses.

Voluntary Supplemental Insurance

Accident, critical illness and hospital indemnity insurance are optional plans that reimburse you directly if you experience a covered event, regardless of what your medical plan pays. The per-paycheck costs for these plans are minimal, but they could help you save money in the long run. You can use the money for anything you want, including medical expenses not covered by your medical plan, transportation, meal preparation or delivery, housekeeping, your rent or mortgage, and more.

Financial

Fidelity Financial Guidance

Along with managing your 401(k), Fidelity offers a suite of financial wellness solutions designed to help you navigate your full financial picture, make informed decisions and feel confident about your future. These include budgeting tools, debt management resources, personalized financial coaching and educational workshops.

Accolade

If you’re enrolled in a medical plan, you have free access to Accolade Health Assistants, who can advise you on a wide range of money-saving matters, including:

• Finding ways to reduce your medical and prescription drug costs
• Selecting the insurance plans and tapping into the benefit programs that are best suited to your financial situation
• Understanding medical bills and resolving claims issues
• Locating and selecting in-network providers

Life and AD&D Insurance

You automatically receive a basic level of coverage for both life and accidental death and dismemberment (AD&D) insurance, paid for by CSL.

Legal Services

If you’re enrolled in the legal services administered by MetLife Legal Plans (a MetLife company), you have convenient, affordable access to a network of attorneys who can help you and your eligible family members with a wide array of legal matters, from marital and family issues to matters related to home ownership and identity theft.

Wellbeing

Mental Health Benefit

Through Lyra, you, your spouse/domestic partner and all members of your household each have access to eight therapy or coaching sessions per year at no cost. All Lyra providers are in-network under all CSL medical plans, so your counseling visits will be covered if you want to continue treatment past the initial eight sessions. These continued care sessions are subject to in-network mental health cost-sharing, as defined under your specific medical plan.

Headspace

Whether you’re looking for help with meditation, sleep, movement or focus, the Headspace app can support you in boosting your mental wellbeing at no cost to you.

Personify Health

With Personify Health, you get personalized help to discover health goals that matter to you. As a bonus, if you’re a full-time employee, you can earn up to $400 per year as you track your goals. Note: If you’re a new user, you’ll receive a pass phrase in your welcome email.

Care@Work

Whether you need assistance with after-school care, you’re caring for an ill child or aging parent, or you need a pet sitter, Care@Work can give you the support you need at a moment’s notice. You have access to 20 backup care days for the year. You can also exchange your backup-care benefit for dog walking or pet sitting services through Rover.com. You do not need to be enrolled in a CSL medical plan to use this benefit, but you must register on the Care@Work site.