What You Need To Know for 2026

Learn more about what's changing for 2026, find out how to choose the best health care plan for your situation, review the steps to enroll and more.

To ensure you’re getting the maximum benefit from your CSL resources, take some time to explore and evaluate them before you enroll October 27 – November 7, 2025. 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. Starting January 1, 2026, the Meritain Health provider network will be going away, and all medical plan participants will be covered under UMR, a UnitedHealthcare provider network. You’ll continue to have three medical plans to choose from as part of the UMR 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 by enrolling in 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. During Annual Enrollment, you can secure even more protection for your family by purchasing supplemental and dependent insurance — for either life or AD&D insurance or both — in designated increments.

Legal Services

When you enroll 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.

Finished your research and ready to enroll? Here are your next steps!

Between October 27 and November 7, 2025, log on to Benefits In-Site and complete these steps:

1. Review your options and choose your 2026 benefits coverage. Use the Benefits Cost Comparison tool and the CVS Check Drug Cost tool, located on Benefits In-Site, to determine which medical plan is best for you.
2. Decide how much to contribute to a 2026 Health Savings Account (if you’re enrolling in the HDHP with HSA plan) or Flexible Spending Account.
3. Make sure all your covered dependents and beneficiaries are up to date.
4. Update or enroll in any other CSL health and financial protection benefits.

New to Benefits In-Site? Click New user? and provide the requested information to set up your username and password. Then you can log on to review your benefit options and access other tools.

Questions?

For help deciding on your benefits: An Accolade Health Assistant can help you navigate your medical plan options, explain different levels of coverage, verify network coverage and discuss which plan is right for you and your family. The Assistant can also confirm that your current provider is in the UMR network and, if not, help you find a new provider. Call 877-727-0903 or visit the Accolade website.

For help with enrollment: Call the CSL Behring Benefits Center at 844-888-BNFT (2638). Customer service representatives are available Monday through Friday, 8 a.m. to 8 p.m. ET.

• Your current medical, prescription drug, vision and dental coverage, as well as your financial protection benefits, will continue for plan year 2026. If you’re currently enrolled in a Meritain Health medical plan, you’ll be automatically enrolled in the same plan under the UMR network.
• Your Flexible Spending Account and Health Savings Account contributions will not continue. You must take action if you want to keep contributing to these accounts and receiving the HSA employer contribution.

Even if you aren’t making any changes, it’s important to evaluate your options and confirm your covered dependents and coverage levels.

Keep in mind that if you don’t make changes now, you’ll have to wait until the next Annual Enrollment period to update your benefits unless you experience a qualified life event (such as getting married or having a baby).