2023–2024 Open Enrollment: May 16–30

Open Enrollment for your 2023–2024 benefits begins May 16 and ends May 30. This is your annual opportunity to review your needs and select the benefits that provide the best coverage and value for you and your family. You have access to a number of resources to help you as you consider your benefit options:

  • Call center representatives trained on Fanatics benefits can answer your questions and assist you with enrollment over the phone 8 a.m. – 8 p.m. ET, Monday through Friday, by calling 888.907.1434.
  • Sofia, your digital benefits assistant, speaks over 25 languages and can answer questions 24/7 through the enrollment website. Click “Manage My Benefits” in UltiPro or use the MyChoice® Mobile App.
  • MyChoice® decision support tool uses your answers to some basic questions to suggest appropriate plans for your needs.
  • MyChoice® Mobile App gives you the flexibility to enroll in benefits, verify dependents, and chat with a representative from anywhere, at any time, using your mobile device.
  • Fanatics benefits experts are hosting in-person and virtual Open Enrollment information sessions to provide more details about your 2023–2024 benefits.
What’s changing

Discover how our benefits program is evolving even further to meet our employees’ diverse needs.

How to enroll

Enrolling is easy! Find out how.

Enrollment checklist

Use this checklist to make the most of your benefits enrollment opportunity.

Benefits guide

Review your 2023–2024 benefits guide (in English or Spanish) for more details about your benefit options.

Changes for the 2023–2024 plan year

Fanatics remains committed to providing a highly valuable and competitive benefits program for all employees. For 2023–2024, we’ll be making the following changes to help expand access to affordable medical coverage:

Nationwide access to the EPO | Option 4

This plan has previously been available only to Florida employees. Now, all US Fanatics employees have access to this medical plan option. The EPO | Option 4 provides in-network only coverage and helps you save money through the discounted rates charged by network providers. See how this plan compares to the other Fanatics medical plan options.

Kaiser HMO available in Mid-Atlantic states

Similar to the option currently available in California, our new Kaiser HMO will be offered to employees in Virginia, Maryland, and Washington, DC. This plan provides coverage only when you receive care from providers within the HMO network. Your primary care provider (PCP) will coordinate your care to help manage costs. See how this plan compares to the other Fanatics medical plan options.

Salary-based medical plan paycheck contributions

Our medical plan options already have lower-than-market average employee paycheck contributions, deductibles, and coinsurance. Fanatics is taking several additional steps to ensure our benefits stay cost effective.

  • Fanatics is introducing salary bands. This allows us to pass on additional savings to our employees that have an annual salary1 of $50,000 or under. Employees that have an annual salary1 of over $50,000 will receive the normal annual cost adjustments.
  • We have updated employee paycheck contributions to be more in line with the type of plan you select. Every employee, regardless, of salary, will have at least one medical plan option available that is decreasing in cost.

You will see your costs when enrolling through UltiPro.

1Annual salary is frozen at the amount effective in UltiPro on May 1, 2023. This number is updated every May 1.

Higher Flexible Spending Account (FSA) limit

The maximum contribution amount for a Health Care FSA for 2023 has increased to $3,050. Any Health Care FSA balances between $100 and $570 will carry over to your 2023–2024 FSA after July 2023, but only if you make a Health Care FSA election for 2023–2024. (There is no balance carryover with the Dependent Care FSA.) For the plan year 2023–2024, the carryover amount will increase to $610; that will be applied to the following plan year.

Higher Health Savings Account (HSA) limit

The total amount that you and Fanatics can contribute to your HSA in 2023 is $3,850 for individuals and $7,750 for families.

Change to bariatric, fertility, and gender affirmation treatment programs

As of July 1, 2023, the fertility, bariatric and gender affirmation treatment programs will be accessible to employees through their Fanatics medical and pharmacy coverage. This approach will allow access to high quality care, as well as clinical treatment and guidance to support your medically necessary needs at a negotiated rate while improving your overall well-being. These programs will only be available to employees enrolled in a Fanatics medical plan.

2023–2024 medical plan comparison

Plan featuresPPO 500 | Option 1PPO 1500 | Option 2HDHP | Option 3EPO | Option 4Kaiser HMO (CA and VA, MD, DC only)
Your Medical Costs
Calendar Year Deductible (Individual/Family)
In-network$500/$1,500$1,500/$4,500$2,000/$4,000*$1,000/$3,000$500/$1,000***
Out-of-network$1,800/$5,400$4,500/$13,500$4,000/$8,000*Not coveredNot covered
Coinsurance
In-network0%20%20%20%20%
Out-of-network50%50%50%Not coveredNot covered
Calendar Year Out-of-Pocket Maximum (Individual/Family)
In-network$3,500/$7,000$4,500/$9,000$5,000/$10,000**$4,000/$9,000$3,000/$6,000***
Out-of-network$7,000/$14,000$9,000/$18,000$10,000/$20,000**Not coveredNot covered
Preventive Care
In-network100% covered100% covered100% covered100% covered100% covered
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Primary Care Visit
In-network$30 copay$30 copayDeductible, then 20% coinsurance$25 copay$20 copay
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Specialist Visit
In-network$60 copay$60 copayDeductible, then 20% coinsurance$60 copay$40 copay
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Virtual Visit
In-networkTeladoc PCP: $10 copay / Teladoc Specialist: $30 copayTeladoc PCP: $10 copay / Teladoc Specialist: $30 copayDeductible, then 20% coinsurance (Your Teladoc cost share will depend on the service.)Teladoc PCP: $10 copay / Teladoc Specialist: $25 copayTelehealth visit: $0 copay
Lab & X-ray
In-networkYour cost share will depend on your provider and where the service is performed.Your cost share will depend on your provider and where the service is performed.Deductible, then 20% coinsuranceYour cost share will depend on your provider and where the service is performed.CA: Deductible, then $10 copay / VA, MD, DC: $10 copay
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Emergency Room Visit
In- or out-of-network$350 copay (waived if admitted)$350 copay (waived if admitted)Deductible, then 20% coinsurance$350 copay (waived if admitted)Deductible, then 20% coinsurance
Urgent Care Visit
In-network$30 copay$30 copayDeductible, then 20% coinsurance$25 copayCA: $20 copay / VA, MD, DC: $40 copay
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Outpatient Hospital Services
In-networkDeductible + $300 copayDeductible, then 20% coinsuranceDeductible, then 20% coinsuranceDeductible + $300 copayDeductible, then 20% coinsurance
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Inpatient Hospital Services
In-networkDeductible + $700 copayDeductible, then 20% coinsuranceDeductible, then 20% coinsuranceDeductible + $400/day (5 days max.)Deductible, then 20% coinsurance
Out-of-networkDeductible, then 50% coinsuranceDeductible + $500 copay, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Outpatient Mental Health
In-network$30 copay$30 copayDeductible, then 20% coinsurance$25 copay$20 copay
Out-of-networkDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Inpatient Mental Health
In-networkDeductible + $700 copayDeductible, then 20% coinsuranceDeductible, then 20% coinsuranceDeductible + $400/day (5 days max.)Deductible, then 20% coinsurance
Out-of-networkDeductible, then 50% coinsuranceDeductible + $500 copay, then 50% coinsuranceDeductible, then 50% coinsuranceNot coveredNot covered
Your Pharmacy Costs
Retail Prescriptions (30-day supply)
Tier 1$10 copay$10 copayDeductible, then 20% coinsurance$10 copay$10 copay
Tier 2$50 copay$50 copayDeductible, then 20% coinsurance$50 copay$30 copay
Tier 3$80 copay$80 copayDeductible, then 20% coinsurance$80 copay$30 copay
Mail Order Prescriptions (90-day supply)
Tier 1$25 copay$25 copayDeductible, then 20% coinsurance$25 copay$20 copay
Tier 2$125 copay$125 copayDeductible, then 20% coinsurance$125 copay$60 copay
Tier 3$200 copay$200 copayDeductible, then 20% coinsurance$200 copay$60 copay

*With the HDHP | Option 3, the family deductible is an aggregate, or “true family,” deductible. This means that coinsurance for any person covered under a family plan begins only after the entire family deductible has been met.

**With the HDHP | Option 3, family coverage has an embedded out-of-pocket maximum that applies to individuals covered on the plan. This means the plan begins to pay 100% for any covered family member when that person meets an individual out-of-pocket maximum of $6,650 in-network. The plan will pay 100% for all covered family members once the family out-of-pocket maximum ($10,000 in-network/$20,000 out-of-network) has been met, even if certain family members have not met their embedded individual out-of-pocket maximum.

***Kaiser has an embedded deductible and out-of-pocket maximum for family coverage. That means that no single individual on a family plan will have to pay a deductible or OOP max higher than the individual deductible amount.

Attend an in-person Open Enrollment seminar

Choose a location and time that works for you:

LocationSeminar Details
New YorkThursday, 5/18
95 Morton: 10 a.m. – 12 p.m.
JacksonvilleFriday, 5/19
Common Wealth: 10 a.m. – 12 p.m.
Fan Services: 1 p.m. – 3 p.m.
TampaMonday, 5/22
Linebaugh: 10 a.m. – 12 p.m.
Oak Creek: 2 p.m. – 4 p.m.
San MateoTuesday, 5/23
San Mateo: 12 p.m. – 2 p.m.
Las VegasWednesday, 5/24
Mighty Vegas: 10 a.m. – 1 p.m.

How to enroll

Enroll online or over the phone by calling 888.907.1434 from 8 a.m. to 8 p.m. ET Monday through Friday. You can also manage your benefits on the go with the MyChoice® Mobile App. Go to UltiPro and click "Manage My Benefits" for an access code to get started.

If you don’t take action, you will remain in the same coverage you have now, except for your Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) elections, which you must make annually.

Follow these steps to enroll online between May 16 and May 30:

  1. Get Started: To begin your enrollment, sign in to the UltiPro system, click "Manage My Benefits," then “Start Here.”
  2. Verify Your Personal Information and Dependents: Review your personal information and contact preference and make applicable updates. You will also review your dependents and can edit existing dependents or add new dependents if needed.
  3. Select Your Benefits: Not sure what coverage you need? Answer a few simple questions during the online enrollment process and the MyChoice® Recommendation Engine will create a personalized benefits recommendation for you to consider. You also have the option to enroll on your own if you feel confident in what you want. Choose the path that best fits your needs!
  4. Medical, Dental, and Vision: There is a separate page for each type of benefit (medical, dental, and vision). You have the option to add/remove family members, waive any coverages, and compare plans. Once you’re ready to choose a plan, click “Select” and then move to the next plan option.
  5. Flexible Spending Accounts (FSA) and Health Savings Account (HSA): FSAs and HSAs require you to select an annual contribution amount. Enter the amount you want to contribute for the year.
  6. Company-Paid and Voluntary Life Insurance: Company-paid life insurance requires you to select the plan so you can assign your beneficiaries. Since this coverage is provided at no cost to you, you are not able to decline company-paid life insurance. If you would like to enroll in additional voluntary life insurance, select your desired coverage from the dropdown list. If you elect a level of coverage that requires Evidence of Insurability (EOI), you will see both the amount of coverage that you are eligible for immediately without EOI and the amount of coverage you would like to have, both with their associated costs.
  7. Ask Questions: Sofia is your digital benefits assistant and can answer many questions in more than 20 languages (including Spanish, French, and Vietnamese).
  8. Review and Approve: You can see additional detail, review covered family members, and edit coverage by selecting the “Edit” button next to the plan. Scroll to the bottom and select “Approve.” You will have to also select “I Agree” on the next screen to fully complete your enrollment.

If you need assistance, please call 888.907.1434 from 8 a.m. – 8 p.m. ET, Monday through Friday. Press Option 1 to be connected to a live represenative.

Your enrollment checklist

Use this checklist to make the most of your Open Enrollment opportunity:

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  • Learn about your benefit options by exploring this website, paying special attention to the changes coming next year.
  • Think about your coverage needs, including how much health care you anticipate needing and whether your current life and disability insurance provides enough protection.
  • Make sure your dependent information is correct and all your dependents are still eligible. Submit proof of their eligibility by the close of Open Enrollment on May 30 in order for your dependent(s) to continue to receive benefits under the Fanatics plans.
  • Update your Flexible Spending Account (FSA) enrollment and/or Health Savings Account (HSA) contribution amount — they don’t carry over to the next year.
  • Review your beneficiaries — it’s a good idea to look over your beneficiary information (especially if your personal circumstances have changed) and take this opportunity to make updates as needed.
  • Complete your benefits enrollment by May 30.

Remember!

After Open Enrollment ends, you cannot make changes to your benefits until next year's Open Enrollment unless you experience a qualifying life event, such as a birth or marriage.

Don't forget about our other great benefits!

As you update your benefits for 2023–2024, remember to take advantage of the many programs and resources Fanatics offers you:

  • HSA funding: If you enroll in the HDHP | Option 3 with HSA, Fanatics contributes to your account ($500 for single coverage tier or $1,000 for non-single coverage tier) — that's free money you can use in the current year or save for the future. The balance in your HSA rolls over year to year and is never forfeited — you can even use it in retirement. And, you can invest your money once it reaches a minimum balance, giving you the potential for tax-free earnings growth.
  • Care.com: You get a free Care.com membership, access to subsidized back-up care, and options for no-cost academic resources.
  • Gympass: All benefits-eligible Fanatics employees get the Gympass digital plan for free! This plan gives you no-cost access to leading apps, including MyFitnessPal for nutritional guidance and food tracking, FizzUp for personalized at-home workouts, Fabulous for self-improvement and mental health support, Meditopia for meditation to reduce stress and improve sleep, and Mobills for financial wellness and budgeting tools. You also have the option to purchase a membership for a low monthly paycheck deduction to access thousands of gyms and fitness studios around the country at a discount of up to 75% off market value.