What’s changing for 2025

Iron Mountain has made several enhancements to your benefits plans and services to provide you and your family with more convenience and flexibility.

What you need to know to choose your 2025 benefits

Review the below information and the What's Changing Newsletter to learn what's new for you in 2025.

• Medical plan premiums

  To promote affordability and fairness, we are introducing a new salary-based approach to sharing medical premium costs between you and the company. That means premiums for all medical plans will now be scaled based on salary.

  Mountaineer premiums

  (amount you pay to buy coverage through payroll deductions):

  Salary Band 1	Salary Band 2	Salary Band 3
  Base salary < $45,000	Base salary = $45,000-$70,000	Base salary > $70,000

  Premium amounts for 2025 will be different than the current 2024 premium amounts.

  • Your 2025 premiums will depend on a variety of factors: your salary band, the tobacco and spousal surcharges if applicable, the plan you choose, and the dependents you cover.

  • You can find your premium amounts when you make your choices through the Iron Mountain Benefits Center.

  Review all medical plans and their premium costs here.

  You can also review these FAQs on salary bands.

• Tobacco use and spousal surcharges

  We’re updating the tobacco use and spousal surcharge amounts to ensure that all Mountaineers contribute proportionally.

  Mountaineers wishing to cover a spouse or domestic partner who is eligible for other employer-sponsored coverage will pay a $125 per month surcharge.

  Mountaineers and their enrolled spouses/domestic partners must pay a surcharge if either of you uses tobacco or nicotine products.

  Learn more and see the tobacco surcharge rates.

• New Aetna medical plans

  This year, we’re offering four brand new medical plans with Aetna. All of them include pharmacy coverage with CVS and offer 100% in-network preventive care, but the designs for each are different.

  Three of the plans let you select between two provider network tiers when you access care throughout the year. The fourth option is a new high-deductible plan.

  Review the four new Aetna medical plans.

• New virtual care access

  As part of our new Aetna medical plans, we’re introducing Virtual Primary Care through CVS to support your needs. Aetna plan members will have convenient access to primary care and mental health services online or by phone anytime.

  Learn what services are offered virtually and how to get started.

• HSA contributions

  We’re adjusting the employer Health Savings Account (HSA) contribution amounts to be based on salary.

  If you choose one of the two high-deductible medical plans, you can sign up for an HSA through Fidelity. HSAs allow you to save for eligible medical, prescription drug, dental, and vision expenses, now or in the future. They allow you to set aside money before taxes and withdraw the money tax-free when you spend it on eligible expenses.

  Depending on the plan you choose, both you and Iron Mountain contribute to your HSA, up to the annual IRS limits. The amount Iron Mountain will contribute this year will be based on your salary.

  Learn more about HSA contributions.

• FSAs with Fidelity

  Flexible Spending Accounts(FSA) for health care and dependent day care will now be administered by Fidelity, so all your tax-advantaged accounts will be in the same place.

  If you’re interested in an FSA, you’ll need to enroll in October — your current contributions won’t continue automatically.

  Learn more about FSAs.

• New enrollment experience

  This year, we’re partnering with bswift to provide you with a new, easy way to choose your benefits. You’ll have access to a new online site and mobile app that make it easy to enroll and access your benefits information anytime, anywhere, all year round.

  Easy-to-use decision support tools, a virtual benefits assistant, and expanded language capabilities will make it easier than ever to choose the right benefits for you and your family.

  Learn more about how to enroll.

• New mobile app

  With our new online enrollment experience and mobile app, our benefits choices are now in the palm of your hand. Review options and make choices anywhere, anytime, through our easy-to-use app.

  Get a QR code to the new mobile app.

• Supplemental benefits

  • Updates to Aetna Accident, Critical Illness and Hospital Indemnity insurance include enhanced coverage amounts with no change in premiums.

  • MetLife Legal enhancements include the addition of legal assistance for caregiving, surrogacy and reproductive assistance with no change in premiums.

  • Norton LifeLock Identity Protection will offer lower premiums in 2025 with the same protections. Enrollment is transitioning to bswift to offer you a more streamlined experience.

    • There will be a restricted period for new enrollments and changes to coverage during the cutover process (October 11 - December 31, 2024). However, you can make proactive updates to your coverage for 2025.

      • October 24 – November 7, 2024: Enroll or update your coverage effective January 1, 2025 during open enrollment

      • November 9 – December 20, 2024: Enroll or update your coverage effective January 1, 2025 with a special enrollment window by calling the Iron Mountain Benefits Center

      • January 1, 2025 and ongoing: Enroll or update your coverage effective the first of the following month

    • Dependents who are not eligible for other Iron Mountain benefits can be added directly on Norton LifeLock’s site as part of your account registration.