Benefit FAQs
We know benefits can be complex, so we’ve made it simple. These FAQs cover everything from health plans to payroll, so you can feel confident about your choices and get the support you need.
General | Medical, Dental and Vision | FSA | Commuter | HSA | Life and Disability |
Voluntary Benefits | Other Benefits | 401(k) | Payroll
General
What if I missed the enrollment period?
If you missed the Open Enrollment period or New Hire Enrollment period, you will not be enrolled in benefits for the plan year. However, you may enroll or make changes only if you experience a life status event (marriage, birth, adoption, etc.).
Who do I contact with questions?
Making benefit choices can seem complicated and confusing at times. Dedicated representatives are available to help answer your questions one-on-one. Please contact Lockton OnCall at (833) 720-0059 or CareDxBenefits@lockton.com.
Who should I contact if I have questions or concerns about my benefits?
For payroll-specific questions, contact the payroll team at payroll@caredx.com.
For benefits-related questions, contact the HR Ops team at support@caredxhr.zendesk.com.
For hardship discussion, contact your applicable HRBP:
- Kathleen Ngo – kngo@caredx.com; or
- Jennifer Harvey – jharvey@caredx.com;
Medical, Dental and Vision
Will I receive an ID card?
- Cigna & Kaiser Medical: You can expect to receive a new ID card for your medical coverage in the mail 2-3 weeks after your enrollment. You can also access an electronic ID by setting up your login with Cigna or Kaiser once your enrollment has become effective.
- Cigna Dental and VSP Vision: Cigna Dental and VSP Vision will provide an electronic ID card through their app. The electronic ID card will be available once your enrollment has become effective. However, you do not need an ID card at the dentist or the vision provider’s office. Simply provide your name, DOB and group number and the provider’s office can find your coverage in their system! If you would like a physical ID card for your VSP Vision coverage, VSP offers a print-on-demand card feature via vsp.com.
- Fidelity: If you enroll in the Flexible Spending Account (FSA) or Health Savings Account (HSA) plans, you can expect to receive a Fidelity debit card in the mail 2-3 weeks after your enrollment.
All ID cards will be mailed in a blank white envelope. Please open all mail after you enroll to avoid accidentally throwing away your necessary benefit cards!
Where can I look up in-network providers?
Cigna Provider Finder:
Find Cigna Open Access Plus Network Providers
Kaiser Provider Finder:
Find a Kaiser Provider
Cigna Dental Provider Finder:
Find a Total DPPO Network Dentist
VSP Vision Provider Finder:
Find a VSP Choice Network Provider
How can I receive the Medical Opt-out Credit?
You must actively waive medical coverage through ADP and enter in the reason you are waiving coverage. If you have coverage through the state, such as the Marketplace, you are not eligible to receive the opt out credit.
How is the Medical Opt-out Credit paid?
If you opt-out of medical coverage through CareDx, you will receive a medical waiver allowance of $300 per month which is treated as taxable income. The opt-out credit is paid on the same schedule as your benefit deductions.
Is orthodontia covered on our dental plans?
The Dental Base plan will cover 50% of Child Orthodontia up to a lifetime maximum of $1,500. The Dental Buy Up plan will cover 50% of Adult & Child Orthodontia up to a lifetime maximum of $2,000.
FSA
How much should I elect for the FSA?
You can elect up to the annual maximum for the Health Care and/or Dependent Care FSA for the plan year. It’s always recommended to estimate your expected health care and/or dependent care costs will be for the year, then select the amount based on the expected expenses.
What happens to my FSA funds if I do not use all my funds by December 31, 2026?
Health Care FSA
After the plan year is over, CareDx provides you with an additional 75 days (or March 15, 2027) to incur claims. The remaining balance in the FSA will be forfeited due to the use-it-or-lose-it rule for FSAs.
You have until March 15, 2027 (or 75 days following the end of the calendar year) to submit eligible expenses for reimbursement that were incurred during your plan year.
As a reminder, the FSAstore.com is an online store where you can purchase FSA-eligible items such as band-aids, over-the-counter medications, etc. It’s a great resource to understand what an eligible FSA expense is since all items in the store are eligible FSA expenses. You may use your FSA debit card to shop and purchase items on the FSAstore.com.
Can I front load funds to my FSA at the beginning of the year?
FSA funds cannot be front loaded pre-tax. Contributions will be taken each paycheck, however the full amount will be available to use January 1st.
Commuter
What happens to my current Parking or Transit funds at the end of this year?
The dollars that you set aside for Transit Expenses will roll over from year to year and do not expire as long as you are an active participant in the plan.
HSA
What medical plan is eligible for the HSA?
To be eligible for an HSA you must elect a HDHP medical plan. For CareDx, if you elect the Cigna Open Access Plus HDHP Plan, you are able to elect the HSA plan.
For the HSA plan, do I automatically receive the HSA employer contribution?
Yes, you must open your HSA account with Fidelity. Once the account is open and verified, you will automatically receive HSA funding. You do not have to contribute to your HSA account in order to receive CareDx employer HSA funding.
Can I use my HSA funds for my dependents not covered on my HDHP plan?
Yes, you can use HSA funds for your dependents health care expenses, even if they are not covered under the HDHP plan.
What happens to my unused HSA funds after the plan year?
Because you own your HSA, if you do not use all your HSA funds by December 31, the money will remain in your account. Unlike Flexible Spending Accounts (FSA), you own your HSA. That means your entire HSA balance rolls over every year—even if you change health plans, retire, or leave your employer. HSA’s are tax–advantaged member-owned accounts. You can use these pre-tax dollars for future qualified health care expenses or let your dollars grow— the funds never expire.
Do prescriptions count towards your deductible on the Cigna Open Access Plus HDHP Plan?
Yes, on the HDHP Plan, you will pay the full discounted rate of the prescription. Every dollar you spend goes towards satisfying your deductible.
Can I rollover my existing HSA funds from my previous employer into my Fidelity HSA account?
If you are enrolled in CareDx’s High Deductible Health Plan (HDHP), you may transfer your previous employer’s HSA funds to your new HSA bank account at Fidelity. To complete the transfer process, you can call Fidelity directly at 800-544-3716 and work with a representative or submit the request through netbenefits.com. Once your HSA is opened with Fidelity, navigate to the Contributing tab and Click “Transfer Money.” From there you will be prompted to enter information about your other HSA account. Fidelity will work directly with the HSA financial institution to complete the transfer electronically.
Please view the HSA Rollover to Fidelity for instructions to initiate the transfer.
If you have any questions regarding your HSA bank account, please contact your HSA financial institution that administers your HSA.
Life and Disability
Can I increase my Voluntary Life and AD&D coverage during Open Enrollment?
All amounts elected in ADP outside of the new hire enrollment period will require approval through the Evidence of Insurability (EOI) process. If the EOI process is not started within 30 days of when you make your election the coverage will be declined.
Voluntary Benefits
How can I submit a claim to receive my BeWell benefit with the Voluntary Accident/Voluntary Critical Illness Innsurance?
Every year, each family member who has accident or critical illness coverage can also receive $50 for getting a covered Be Well screening test, such as:
- Annual exams by a physician include sport physicals, well-child visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imagining studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
Click here for instructions on how to file your Be Well claim.
Other Benefits
What are the different ways I can access UNUM's EAP?
Help is easy to access
Phone support:
1-800-854-1446
Online support:
unum.com/lifebalance
In-person: You can get up to three visits, available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.
401(k)
How do I enroll in the CareDx 401(k) Plan?
CareDx’s retirement plan is managed by Fidelity Investments. The plan has an auto enrollment feature which means you will be automatically enrolled at a rate of 3% pre-tax of your eligible compensation. Contributions will be invested in a target-date fund based on your date of birth and assumed retirement at age 65.
The plan has an Annual Increase Program and contributions will automatically increase 1% each year on April 1st up to a cap of a 10% contribution rate.
Does CareDx provide an employer match?
Yes, CareDx provides an employer matching contribution. For every $1 dollar an employee defers to their 401(k) account (pre-tax and/or Roth), CareDx will match with $2, up to a maximum of $6,000 in employer match contributions. Employees must contribute at least $3,000 (pre-tax or Roth) to receive the full $6,000 employer matching contribution offered.
Does employer matching apply to both Pre-Tax and Roth (Post-Tax) employee contributions?
Employer matching contributions are applied to both pre-tax and Roth employee contributions, and they are funded as a pre-tax source to participant accounts.
Is there an employer match vesting schedule?
No, there is no vesting schedule. Employer matching funds are 100% immediately vested which means all eligible employer matching contributions are yours to keep from the moment they are deposited into your account.
When are the employer matching contributions deposited into my account?
CareDx is currently processes the employer matching contributions each payroll period.
Who can I reach out to if I have questions about my 401(k)?
You can speak to a Fidelity representative
Account #: 6331Y
Phone: 800-835-5097
Website: netbenefits.com
Representatives can answer your questions Monday through Friday, 8:30 a.m.–8:30 p.m. ET (excluding most holidays)
What is the process to opt out of auto enrollment?
You have the flexibility to elect a deferral amount and investment fund of your choice. You can opt-out of auto enrollment within 35 days of hire date by logging on to the Fidelity Investments website at netbenefits.com.
SECURE 2.0 – Catch Up Contributions
Does this apply to me?
This change applies to you only if:
- You are age 50 or older, and
- You earned more than $150,000 in FICA wages in 2025 with the same employer
If you meet both criteria, any catch up contributions you make in 2026 must be contributed to a Roth 401(k) (after tax).
What is a “catch up contribution”?
Catch up contributions are additional 401(k) contributions you can make after reaching the standard annual IRS limit, available only to employees age 50 or older.
Does this change my total contribution limit?
No. You can still contribute up to the full IRS allowed amount. This rule only affects how catch up contributions are taxed, not how much you can contribute.
Why are catch up contributions required to be Roth?
This change is required by the SECURE 2.0 Act and applies nationwide to higher earning employees. Roth contributions are made after taxes, but qualified withdrawals in retirement are generally tax free.
Payroll
What is CareDx's payroll schedule?
Employees are paid every two weeks (bi-weekly) on Friday and will receive 26 paychecks per year. Click here for the 2026 payroll schedule.
What is the payroll deduction schedule for benefits, taxes, 401(k) and Employee Stock Purchase Plan (ESPP)?
Benefit deductions are taken from 24 paychecks per year. In the months when you receive 3 paychecks, you will not have benefit deductions on the third paycheck of the month. Benefit deductions include Medical, Dental, Vision, Life Insurance, AD&D, and the Medical Opt-out Credit. All other deductions that are calculated based on a percentage of your income, such as 401(k) and ESPP deduction, will be deducted every paycheck. You can refer to the 2026 payroll schedule for benefit deduction schedule.
How are recurring allowances paid, such as car, cell phone, internet, and gym membership?
All monthly recurring allowances will be paid once per month on the 2nd paycheck of the month.
Are allowances considered taxable income?
Yes. Approved car, internet, and gym allowances are treated as taxable income and are subject to applicable taxes. Phone allowances are non-taxable.
What happens if a payday falls on a holiday?
If a scheduled payday falls on a company-observed holiday or bank holiday, you will be paid on the preceding business day. Click here to view the 2026 Holiday Schedule.
Who do I contact for payroll related questions?
Please reach out to payroll@caredx.com.