32
Enroll in benefits November 5-16, 2018. You and Total Rewards Make a Great Team START HERE! Use this guide to learn about your options for 2019.
Enroll in benefits November 5-16, 2018.
You and Total Rewards Make a Great Team
START HERE! Use this guide to learn about your options for 2019.
Hello team,
Welcome to Annual Enrollment. There’s a lot to be excited about this year.
For starters, our premiums aren’t rising for 2019!This is a really big deal. In a world where healthcare costs continue to soar, we review our benefits each year to make sure we’re providing the best possible options at the best price, and our efforts to keep premiums down are working.
During our benefits review for 2019, we found that we could keep costs down by offering one medical carrier per state. We made the change, and this is one of the reasons premium costs aren’t increasing.
Of course, we can’t do it aloneThe other reason we were able to keep premiums down is you. Being cost-conscious is a partnership. We count on you to make good choices when it comes to your health, like enrolling in the right plan for your needs and participating in Vitality. Thank you for taking an active role in your healthcare — what you do matters, and your healthy choices are making an impact.
There are no plan design changes for 2019, which means your options will look very familiar. We continue to offer a variety of benefits that support your physical, mental, financial and emotional health.
Save more with a health savings account Most of our medical plan options come with the opportunity to contribute to a health savings account. This account is a powerful tool that can help you save before-tax money for healthcare expenses today or down the road in retirement.
And if you enroll in the HSA Plus or Kaiser Plus plan, McKesson helps build those savings by contributing to your health savings account. If you aren’t familiar with all the ways you can benefit from a health savings account, be sure to check out p. 14.
Even if you like your current plan — don’t defaultIn fact, I encourage you to read this guide from cover to cover. It’s the very best way to review your options, compare the plans and learn how your benefits can support your healthcare needs. Prepare now so when Annual Enrollment starts on November 5, you’ll be ready to make your elections with confidence.
Sincerely,
Kevin Close Senior Vice President – Total Rewards
2
4 New in 2019
6 Your Benefit Options
8 Pre-Annual Enrollment Checklist
9 Annual Enrollment Checklist
10 Primary Medical Plans — HSA and HSA Plus Plans
11 Plan Details
12 Kaiser Plus Plan
13 Kaiser HMO and HMSA HMO Plans
14 5 Reasons to Love the Health Savings Account
15 Health Savings Account Tips
16 Which Is the Right Plan for You?
18 How Prescription Drug Coverage Works
22 Flexible Spending Accounts
23 Flexible Spending Account Tips
24 Dental
25 Vision
26 Supplemental Life and Accidental Death & Dismemberment
27 Long Term Disability
28 Enrolling Your Spouse/Domestic Partner?
29 Tools of the Trade
30 Healthcare Lingo
31 Online Resources
What’s Inside
November
January
December
December
March
2018
2019
Monday, November 5 Annual Enrollment starts.
Tuesday, January 1 The coverage you chose during Annual Enrollment starts.
Thursday, December 27 HSA Plus and Kaiser Plus plan members — activate your health savings account by this day to get McKesson's contribution by January 3.
Friday, November 16 Annual Enrollment ends at 11:59 p.m. Central time.
Thursday, January 3 HSA Plus and Kaiser Plus plan members — McKesson's contribution is added to your health savings account if you activated your account by December 27.
Monday, December 31 • Last day to spend your 2018 FSA money — if you don't
use it by this date, you lose it.
• Last day for HRA Core plan members to incur eligible expenses for the health reimbursement account.
Friday, November 30
• The Vitality Status® savings you earn by November 30 are yours for all of 2019.
• Last day to take the AE survey for a chance to win an Apple Watch!
Sunday, March 31
• HSA Plus and Kaiser Plus plan members — last day to activate your health savings account to get McKesson’s contribution for 2019.
• Last day to submit 2018 flexible spending account claims to WageWorks.
Tuesday, December 31Last day for HRA Core plan members to submit 2018 reimbursement claims.
Mark Your Calendar
TIP If you haven't already, be sure to activate your health savings account when you're done enrolling. Learn how on p. 15.
3
New in 2019
UPoint Has a New AddressVisit UPoint, the enrollment website, at digital.alight.com/mckesson. Only the address has changed — use your current username and password to log on.
Carrier Changes for HSA and HSA Plus PlansCheck out the map to find the McKesson medical plan carrier for your state. If your carrier is changing, go to your new carrier's website to make sure your current doctor is still in-network. Chances are good that you'll be able to keep your doctor, but it's important to check. If your doctor is out-of-network due to the change, get an early start on looking for a new in-network doctor. Out-of-network doctors can charge you for the difference between their charges and what your plan covers.
There are no changes to prescription drug benefits. CVS Caremark continues to provide coverage for all medical plans, unless your carrier is Kaiser Permanente or HMSA.
* In the state of Washington, the Kaiser Plus plan is only available in Southwest Washington.
Premiums Aren't Going Up for 2019Great news! Your premiums aren't going up for 2019. Even though premiums aren't going up, yours could change in 2019 if you:
• Switch plans — Different plans have different premiums.
• Have changes to your annual base pay — Your pay as of September 1, 2018 determines what you pay in premiums.
• Change coverage options — Employee Only, Employee + Spouse/Domestic Partner or Child(ren), and Employee + Family coverage have different premiums.
• Reach a different Vitality Status — Your Vitality Status affects how much you pay in premiums. Reach Platinum Status by November 30 to save the most on your McKesson medical plan premiums in 2019.
AK
WA
OR
CA
NV
ID
MT
WY
UT
AZ NM
CO
ND
SD
NEIA
MO
AR
LA
MS AL
FL
GA
SC
NCTN
IL
WI
MN
MI
INOH
KYVA
WV
PA
NY
VTNH
ME
MA
RICT
NJDE
DCMD
KS
OK
TX
HI
Aetna
Anthem
Cigna
Kaiser Permanente*
HMSA
Transition of CareIf your carrier changes while you're getting prenatal care or treatments for a chronic or acute illness from a provider that isn't in your new carrier's network, ask your new carrier for a Transition of Care form. After you complete and submit the form to your new carrier, they may provide temporary in-network coverage for your out-of-network care.
Prescription RefillsRefill any maintenance prescriptions before the end of the year in case your current doctor isn't in-network with your new carrier. That way you have the medication you need while you look for a new in-network doctor. 44
HRA Core Plan Is Going AwayIf you're currently an HRA Core plan member, you need to choose a new medical plan. If you don't, you're automatically enrolled in the HSA Plus plan with the medical plan carrier for your state in 2019.
Kelsey-Seybold Is Out-of-NetworkKelsey-Seybold in Houston, Texas is an out-of-network provider in 2019. If you use them as a provider in 2019, you pay the out-of-network costs, which include higher coinsurance and out-of-pocket maximums.
Increased Health Savings Account Limits For 2019, you can contribute up to these annual IRS limits:
If you're 55 or older in 2019, you can contribute up to an additional $1,000.
Healthcare Flexible Spending Account Limits Are UpFor 2019, you can contribute up to these annual limits:
$2,650 for an HSA-compatible healthcare FSA ($50 more than in 2018)
$2,650 for a standard healthcare FSA ($50 more than in 2018)
Autism and Developmental Disability Support
$3,500 Employee Only coverage (up $50 from 2018)
$7,000 Family coverage (up $100 from 2018)
HRA CoreX Coverage for ABA Therapy
The HSA and HSA Plus plans offer benefits for the treatment of autism spectrum disorder, including applied behavior analysis (ABA) therapy. If you need this support, consider enrolling in one of these plans for 2019.
The Kaiser Plus plan also offers benefits for ABA therapy. Learn more about ABA therapy at www.kp.org.
Rethink Benefits — Coming Soon! You can start using Rethink Benefits on January 1. Rethink is a free web-based learning, support and care coordination program for parents and caregivers of children and adults with developmental and learning disabilities. Look for more details in December.
Out of Network Kelsey-Seybold
$2,650
5
Your Benefit Options
Medical PlansIn all states except Hawaii:
• HSA plan
• HSA Plus plan
In limited locations:
• Kaiser Plus plan
• Kaiser HMO plan
• HMSA HMO plan
DentalCigna Dental plans
• PPO
• PPO Plus
• DHMO
Long Term Disability (LTD) CoverageYou pay 30% of the cost for LTD coverage. McKesson pays the other 70%. LTD provides up to 60% of your covered pay (up to $25,000 a month) if you’re out of work more than 180 days due to a disability.
You're eligible for health and wellness benefits if you're a regular employee scheduled to work 30 or more hours each week.
Vision
Vision Service Plan (VSP) plans
• VSP
• VSP Plus
Flexible Spending Accounts (FSAs)• HSA-compatible healthcare FSA
• Standard healthcare FSA
• Dependent care FSA
Supplemental Life and Accidental Death & Dismemberment Insurance (Life and AD&D)
• Employee: $10,000 to $1.5 million (or eight times your pay, whichever is less)
• Spouse/domestic partner: $20,000 to $400,000
• Child(ren): $5,000 to $25,000 per child (in $5,000 increments)
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Qualified Status ChangeThe benefits you choose during Annual Enrollment are for all of 2019 unless you have a qualified status change in 2019, such as marriage, the birth of a child, or your spouse/domestic partner loses or gets medical coverage. You have 31 days from the date of the change to update certain benefits at UPoint > Life Changes.
On UPoint, you can also learn about Health Insurance Portability and Accountability Act (HIPAA) Special Enrollment Rights that allow you to enroll in coverage outside of Annual Enrollment if you qualify.
What happens if I don’t do anything during Annual Enrollment?
You’re automatically enrolled in your current medical plan with the McKesson carrier for your state in 2019, unless you’re currently enrolled in the HRA Core plan.
If you’re currently enrolled in the HRA Core plan, you’re automatically enrolled in the HSA Plus plan with the McKesson carrier for your state in 2019.
If your spouse/domestic partner is currently enrolled in your medical plan, the Employed Spouse/Domestic Partner Surcharge field on UPoint resets to a Yes answer and you pay the $100 monthly surcharge (p. 28).
You're automatically enrolled in your current dental, vision, life and accidental death and dismemberment, and short term disability coverage.
You won’t have a contribution amount for your health savings account. If you've never activated your health savings account, you won't be able to get McKesson's contribution.
You won’t have a contribution amount for any flexible spending accounts.
Your beneficiaries stay the same.
Take Action During Annual Enrollment This is your once-a-year opportunity to choose McKesson benefits that fit your needs. Don’t default! Actively choose the best plans for you and your family.
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Test your UPoint password — you need it to enroll online. It can take up to 10 business days to get a new password mailed to your home.
Refresh your memory. If you can't remember which plan you're currently enrolled in, visit UPoint to find out.
Review your 2018 healthcare claims. Knowing your past claims — the amount you spent on healthcare last year — can help you estimate your 2019 healthcare expenses. Find your claims on your current medical plan carrier’s website or on Castlight if you’re an HSA or HSA Plus plan member.
Visit McKNet and the Total Rewards Library to view the 15 Most Asked Questions About Annual Enrollment, differences between health savings accounts and flexible spending accounts, plan examples and short videos about a variety of enrollment topics.
Use the enrollment tools on UPoint (see p. 29) to get help choosing a plan that's right for your needs.
Get Ready
Check off the items on this list to get ready for Annual Enrollment.
Pre-Annual Enrollment Checklist
Join a Live WebinarWatch your email for the invite and register for a webinar on one of the dates below. Be sure to sign in early the day of the webinar because space is limited.
11 a.m. Central time
1 p.m. Central time
11 a.m. Central time
Miss the webinar? No problem, you can catch a recorded presentation on McKNet and the Total Rewards Library after November 1.
NOVEMBER
NOVEMBER
NOVEMBER
1
5
7
8
Log On to UPointGo to digital.alight.com/mckesson and enter your username and password. If it’s your first time on UPoint, click Log On > Register as a New User and follow the prompts.
You can also access your UPoint account from McKNet — Pay & Benefits > Benefit Plans & Wellness > UPoint.
Choose Your Benefits• Go to Action Needed! > Make Your
Annual Enrollment Choices or Enroll Now > Review and Enroll.
• Choose your medical, dental and vision coverage.
• When choosing your medical plan select Yes or No in the Employed Spouse/Domestic Partner Surcharge field if you plan to enroll your spouse/domestic partner. If you don't do anything here, the answer automatically resets to Yes and a $100 surcharge is taken out of your paycheck each month.
• Enter an annual contribution amount for your health savings account and/or FSA.
• Provide Social Security Numbers for your covered dependents if you haven’t already.
• Update your beneficiaries.
Select “Complete Enrollment” or “Quit”Select:
Complete Enrollment — to save your choices and complete your enrollment.
• Print the “Submitted Successfully” message and reference number as confirmation.
• If you gave your email address on UPoint, you get a confirmation email.
• If you need to give EOI, a “Submitted Successfully - Required Follow-Ups” page appears, and you get a confirmation number. You can print this page as confirmation.
Quit — to cancel your choices.
• You see a “Canceled Successfully” message.
• You have until November 16 to make new choices.
Take the Annual Enrollment survey by November 30 for a chance to win an Apple Watch. Look for the survey in the What Happens Next, Your Action Needed or the Required Follow Ups box after enrolling on UPoint.
After enrolling, activate your health savings account with Fidelity at www.netbenefits.com if you've never done it before.
Annual Enrollment Checklist
Enroll on UPoint November 5-16
Check off this list during Annual Enrollment to complete your enrollment.
9
Primary Medical Plans — HSA and HSA Plus Plans
Plan Features • Comprehensive coverage for medical care and
prescription medicines.
• You can visit any doctor you like. You get the best deal on your healthcare by using in-network providers.
• A health savings account to help you pay eligible expenses.
• A deductible you pay for eligible expenses before coinsurance kicks in.
• Coinsurance after meeting your deductible. When coinsurance kicks in:
- You pay 20% of the eligible cost and the plan pays 80% for in-network care or services.
- You pay 40% of the eligible cost and the plan pays 60% for out-of-network care or services.
- You pay 100% of the difference in cost between out-of-network provider charges and eligible charges.
• Preventive care and medications on the HSA Preventive Therapy Drug List are covered at 100% when you use in-network providers.
• Out-of-pocket maximums limit how much you pay for medical and prescription medication expenses per year. An out-of-pocket maximum is the most you pay in a year for healthcare services.
What's the “Plus” in HSA Plus?The HSA Plus plan comes with a McKesson contribution to your health savings account. The contribution puts the word “plus” in the plan's name. In this case, the “plus” doesn’t mean “better plan” or “first class,” it simply means that McKesson chips in between $750-$1,500 to your health savings account depending on who you cover.
Healthcare-speak can be confusing. Check out our Healthcare Lingo cheat sheet on p. 30 for some common healthcare terms.
Coverage for a Variety of ServicesYou’re covered for a variety of health services, such as chiropractic care, acupuncture, addiction treatment, infertility treatment, speech therapy, physical therapy and applied behavior analysis (ABA) therapy. See what else is covered in the Summary of Benefits and Coverage (SBC) at Total Rewards Library > Plan Documents.
If you’re already enrolled in a McKesson medical plan, click View/Change to see your current coverage and make changes.
If you’re in the HRA Core plan, don’t forget to choose a new medical plan. If you don't choose, you'll be automatically enrolled in the HSA Plus plan with the McKesson carrier for your state.
As Seen on UPoint
TIP Always use in-network providers when possible. Out-of-network providers can charge you for the difference between their charges and what your plan covers.
10
The HSA plan has lower monthly premiums in exchange for a higher annual deductible and out-of-pocket maximum, while the HSA Plus plan has higher monthly premiums but comes with a McKesson contribution to your health savings account. Consider all the factors that make each plan unique, including premiums, deductibles and out-of-pocket maximums, so you can choose the plan that’s right for you. Use the charts below.
HSA plan
Health savings account
Deductible
Coinsurance out-of-pocket maximum
Out-of-pocket maximum
EE contribution
**
McKesson contribution
In-networkOut-of-
networkIn-
network***Out-of-
network
EE* $0-$3,500 $0 $3,500 $2,750 $5,500 $6,250 $9,000
EE + SP/DP* or Child(ren)
$0-$7,000 $0 $5,250 $4,125 $8,250 $9,375 $13,500
EE + Family
$0-$7,000 $0 $7,000 $5,500 $11,000 $12,500 $18,000
HSA Plus plan
Health savings account
Deductible
Coinsurance out-of-pocket maximum
Out-of-pocket maximum
EE contribution
**
McKesson contribution
In-networkOut-of-
networkIn-
network***Out-of-
network
EE* $0-$2,750 $750 $2,125 $2,500 $5,000 $4,625 $7,125
EE + SP/DP* or Child(ren)
$0-$5,900 $1,100 $3,175 $3,750 $7,500 $6,925 $10,675
EE + Family
$0-$5,500 $1,500 $4,250 $5,000 $10,000 $9,250 $14,250
* EE = employee. SP/DP = spouse/domestic partner. ** Putting money in a health savings account is voluntary. You choose how much to put in, up to the annual IRS limit shown in the chart. You can put in up to 1/12
of the annual limit each month. If you’re age 55 or older in 2019, you can make catch-up contributions of up to $1,000 ($83.33 per month). Avoid tax penalties by making sure you don’t put more in your account than the IRS monthly or annual limit. McKesson and Fidelity don’t monitor your contributions for you. For more information on health savings accounts, go to Total Rewards Library > Annual Enrollment > Health Savings Account FAQs.
*** If you’re enrolled in EE + SP/DP, EE + Child(ren) or EE + Family coverage, your plan has an out-of-pocket maximum of $6,850 per individual. This means no one covered by your plan pays more than $6,850 a year for in-network services.
Plan Details
TIP Premium amounts you see on UPoint during Annual Enrollment are based on your pay as of September 1, 2018 and your Vitality Status savings as of September 30, 2018. If you reached a higher status after that time, your actual 2019 premiums may be lower.
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The plan covers 100% of your preventive care, including certain prescription medications. You pay the full cost of non-preventive care out of pocket until you meet the annual deductible of:
• $2,125 Employee Only
• $4,250 Employee + Spouse/Domestic Partner or Employee + Child(ren)*
• $4,250 Employee + Family*
You pay coinsurance after meeting your deductible.
You pay coinsurance until meeting your out-of-pocket maximum. Once you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year.
McKesson contributes $750-$1,500 to your health savings account, depending on who's covered.
Kaiser Permanente is your in-network provider. In most cases, you don’t have coverage at out-of-network providers. Emergency and urgent care is covered everywhere in the world.
Kaiser Permanente administers the plan’s prescription medication coverage. Go to https://my.kp.org/mckessoncorp > Understanding your costs for more information.
The Kaiser Plus plan is a high-deductible HMO plan available in California, Colorado, Georgia, the Mid-Atlantic states, Oregon and Southwest Washington. This plan gives you the opportunity to contribute to a health savings account and works like this:
The Kaiser Plus plan is listed as the Kaiser HMO Plus HSA plan. Choose this option if you want to enroll in the Kaiser Plus plan.
As Seen on UPoint
Use the Health Plan Comparison Charts on UPoint, the enrollment website, to get a side-by-side look at what the Kaiser Plus, HSA and HSA Plus plans cover.
* If you’re enrolled in Employee + Spouse/Domestic Partner, Employee + Child(ren) or Employee + Family coverage, you have an embedded individual annual deductible of $2,700. This means if a person meets the $2,700 individual deductible, that person will begin paying coinsurance for covered services even if the total annual deductible hasn’t been met.
Kaiser Plus Plan
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If you live in Hawaii, you can choose between two HMO plans:
• Kaiser HMO plan
• HMSA HMO plan
With these plans, you:
• Have a copay (a fixed dollar amount) for office visits and a coinsurance amount for certain services.
• Pay higher premiums in exchange for lower out-of-pocket costs.
• Don't have coverage for out-of-network providers, except in emergencies.
Use the Health Plan Comparison Charts on UPoint to get a side-by-side look at what the two HMO plans cover.
Kaiser HMO and HMSA HMO Plans
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* As of 2018, Alabama, California and New Jersey tax the money you and McKesson put in a health savings account. If you live in one of these states, you may need to pay state income tax on the money you and McKesson contribute to your health savings account.
** As of 2018, only Alabama, California, New Hampshire, New Jersey and Tennessee tax health savings account interest and earnings. If you live in one of these states, talk to your tax advisor or contact Fidelity for more guidance.
5 Reasons to Love the Health Savings Account
You call the shots when it comes to spending, investing or saving the money in your health savings account.
McKesson contributes to your account each year if you enroll in the HSA Plus or Kaiser Plus plan. If you're wondering, the word “Plus” in these names means, it's just this. You get a health savings account with the plan, plus McKesson contributes to your health savings account:
You get three tax breaks.
You keep the money in your account whether you change medical plans, leave McKesson or retire.
You can invest the money in your account to help meet long-term financial goals and build a nest egg for healthcare expenses in retirement.
First breakYou may pay less taxes by lowering your taxable income with before-tax or tax-deductible contributions to your account.*
Second breakYou aren’t taxed on withdrawals you make to pay eligible healthcare expenses.
Third breakYour account’s earnings and interest aren’t taxed, unless you live in one of the few states that taxes them.**
1.
4.
3.
2.
5.
$750 Employee Only
$1,100 Employee + Spouse/Domestic Partner or Child(ren)
$1,500 Employee + Family
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Health Savings Account Checklist
Complete each of the steps below to make the most of your health savings account.
Set a Contribution Amount (Each Year)After choosing the HSA, HSA Plus or Kaiser Plus plan, set a contribution amount for your health savings account on UPoint. Be sure to set a contribution amount each year during Annual Enrollment. You can start, stop or change your contributions at any time on UPoint.
Activate Your Account (One Time Only)Activate your health savings account online with Fidelity at www.netbenefits.com if you've never done it before. If you're re-enrolling in the HSA, HSA Plus or Kaiser Plus plan and have already activated your health savings account, you can skip this step.
Know the Limits The IRS limits how much you can put in your health savings account per month and per year. Keep in mind that any contribution McKesson makes to your health savings account also counts toward the IRS limits below.
Read IRS Publication 969 and Form 8889 at https://www.irs.gov/pub/irs-pdf/p969.pdf for more information about health savings account limits. You can also contact Fidelity or your tax advisor.
2019 IRS Health Savings Account Contribution Limits
CoverageMcKesson
Annual ContributionYour Monthly
Contribution LimitYour Annual
Contribution Limit
HSA Plan
EE Only $0 $291.66 $3,500
EE + SP/DP or EE + Child(ren)or EE + Family
$0 $583.33 $7,000
HSA Plus and Kaiser Plus Plans
EE Only $750 $229.16 $2,750
EE + SP/DP or EE + Child(ren) $1,100 $491.66 $5,900
EE + Family $1,500 $458.33 $5,500
If you're age 55 or older in 2019, you can make catch-up contributions of up to $1,000 ($83.33 per month).
Health Savings Account Tips
Enrolling in the HSA Plus or Kaiser Plus plan for the first time? Activate your health savings account with Fidelity even if you don't want to contribute to your account. That way, you can at least get McKesson's annual contribution.
Activate your account by December 27, 2018 to get McKesson's contribution by January 3, 2019.
You need to activate your health savings account within the first 90 days of coverage to get McKesson’s contribution. If your 2019 coverage starts on January 1, you have until March 31, 2019 to activate your account.
Learn more about health savings accounts at www.mckesson.com/totalrewardslibrary > Annual Enrollment > Health Savings Account FAQs.
15
Your healthcare needs are unique. The plan that works for your coworker may not be the right fit for you. Below are examples of how our plans can work with different healthcare needs. Use these examples to see which plan may be the best match for you.
Which Is the Right Plan for You?
Christine • Is single and only covers herself.
• Sees the doctor for annual physicals.
• Wants the lowest monthly premiums possible.
• Plans to contribute as much as she can to her health savings account.
She chooses: HSA plan
Here’s why:• Christine wants to save and invest the money in her health
savings account — after all, she gets to keep her account even if she changes medical plans, jobs or retires.
• The HSA plan has the lowest premiums of all the McKesson medical plans.
• Christine can use the money she saves on monthly premiums to contribute to her health savings account. She wants to contribute as much as she can to her account to pay for any unexpected healthcare needs with before-tax dollars.
Marcus • Both he and his wife have access to medical coverage at
work and want to avoid the employed spouse/domestic partner surcharge (p. 28). That's why they decide that he'll enroll in a McKesson medical plan with Employee Only coverage and that she'll enroll in a medical plan through her work.
• He has diabetes and sees the doctor often.
• He's contributed to his health savings account for three years and plans to contribute in 2019.
He chooses: HSA plan
Here’s why:• The HSA plan has the lowest premiums of all the
McKesson medical plans, especially for Employee Only coverage. Because Marcus doesn't cover his wife, he doesn't pay the employed spouse/domestic partner surcharge.
• He has enough money in his health savings account to cover his medical needs, but he's planning to pay for those out of pocket. He wants to focus his health savings account on investing and saving for healthcare needs in retirement. If there's a medical emergency, he can use his health savings account to cover his deductible and out-of-pocket maximum.
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Octavio • Covers his son.
• Needs shoulder surgery, so he wants a plan with a lower annual deductible to help him share the costs.
• Contributed to his health savings account for two years and plans to contribute in 2019.
He chooses: HSA Plus plan
Here’s why:• The HSA Plus plan has the lowest annual deductible of
all McKesson plans. He really likes the lower deductible because he can meet it faster. As soon as Octavio meets the deductible, coinsurance kicks in and he begins sharing costs with the plan.
• McKesson contributes $1,100 to Octavio's health savings account, which he can use to pay eligible expenses he has from his surgery.
Lenore • Covers her husband and their two children.
• Needs prescriptions to manage her high blood pressure and takes her kids to the pediatrician frequently.
• Plans to contribute to her health savings account for a second year.
She chooses: HSA Plus plan
Here’s why:• She wants a lower annual deductible.
• McKesson contributes $1,500 to her health savings account that she can use to pay her eligible out-of-pocket expenses.
• Lenore doesn't pay the employed spouse/domestic partner surcharge because her husband isn't eligible for medical coverage at his job.
Looking for more examples like these? Check out Choose a Medical Plan That Fits on McKNet or the Total Rewards Library (www.mckesson.com/totalrewardslibrary).
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How Prescription Drug Coverage Works
You have a prescription benefits administrator. That’s CVS Caremark if you enroll in the HSA or HSA Plus plan.
You need to use pharmacies that accept your coverage.
• Only pharmacies within the CVS network accept your coverage. The CVS network includes hundreds of retail pharmacies, such as Health Mart® and Walmart®.
• Out-of-network pharmacies don’t accept your coverage and you pay the full cost of your prescription medicines.
Prescription medicines count toward the annual deductible. You pay the bill for prescription medicines until you meet your medical plan’s annual deductible. When you meet the deductible, coinsurance kicks in and you and the plan start sharing costs.
Prescription Coverage
Before Meeting the Deductible After Meeting the Deductible
• You pay the cost for prescription medicines until you meet your medical plan's annual deductible.
• When your prescription medicine is on the HSA Preventive Therapy Drug List (p. 19), the plan shares the cost with you even if you haven’t met your deductible.
You and the plan start sharing the cost for prescription medicines.
Prescription Medications on the HSA Preventive Therapy Drug List (p. 19)
Generic medications — Plan pays 100%.
Preferred brand name medications — You pay half the normal coinsurance without having to meet your deductible.
Generic medications — Plan pays 100%.
Preferred brand name medications — You pay half the normal coinsurance.
Prescription Medications not on the HSA Preventive Therapy Drug List (p. 19)
Generic medications — You pay 100%.
Preferred brand name medications — You pay 100%.
Non-preferred brand name medications — You pay 100%.
Generic medications — You pay 20%, plan pays 80%.
Preferred brand name medications — You pay 20%, plan pays 80%.
Non-preferred brand name medications — You pay 40%, plan pays 60%.
Any health savings account money you use to pay for prescription medicines counts toward your deductible.
Any health savings account money you use to pay for prescription medicines counts toward your out-of-pocket maximum.
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HSA Preventive Therapy Drug List
If you’re an HSA or HSA Plus plan member, certain preventive generic medications on the HSA Preventive Therapy Drug List may be covered 100% without having to meet a deductible. That means certain generic prescriptions may be available to you at no cost. These preventive generic medications include those prescribed for you:
• In response to risk factors for a disease.*
• To prevent the recurrence of a disease from which you have recovered.
• As part of procedures providing preventive care services, such as smoking-cessation and weight-loss programs.
* In some cases, if risk factors are high enough, you may be given a preventive prescription although you haven’t been diagnosed with the disease or show symptoms of the disease.
Support for Chronic Conditions
If you or a family member enrolled in your medical plan take prescription medicines for asthma, diabetes, heart disease, high blood pressure or high cholesterol, you can work with a condition support manager. The support manager can help you understand your condition, answer questions and help you follow your doctor’s treatment.
Medical Plan Carrier
Condition Support Manager
Phone Number
AetnaAetna In
Touch Care877.286.3900
Anthem Condition Care 866.820.0763
CignaPersonal
Health Team800.244.6224
In addition to the HSA Preventive Therapy Drug List, there's the Comprehensive Specialty Pharmacy Drug List. This list helps you receive the most effective medications at a lower cost. Find both lists at Total Rewards Library > Healthcare Benefits > Costs, Pharmacies and Medication Lists.
TIP Make sure to fill your prescriptions in December, especially if your medical plan carrier is changing for 2019. That way you have the medication you need while you look for a new in-network doctor. Go to your new carrier's McKesson-specific website to see if your current doctor is in-network with your new carrier.
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How Prescription Drug Coverage Works
Coverage with You in Mind Medicines that are effective and priced right? Yes, please! In the HSA and HSA Plus plans, your prescription drug coverage helps you get medicine through a process called step therapy. Step therapy requires you to use generic alternatives before brand names within the same class of drugs. You have coverage for more expensive prescription medicines, but only if your doctor and CVS Caremark agree that there’s a medical reason a lower-priced medicine isn’t effective for your condition. You and your doctor make the final decisions about which medications are right for you.
Following step therapy rules and the Center for Disease Control’s best practice guidelines for opioid care help ensure you get the most appropriate and cost-effective treatment.
How Step Therapy Works at the Pharmacy
If you submit a prescription to CVS Caremark’s mail order pharmacy that doesn’t meet step therapy requirements, the pharmacy won’t fill your prescription. You’ll be notified by mail.
If you’re required to try a preferred medication, you have the following options:
The pharmacist enters your prescription in the CVS Caremark computer system.
For certain conditions, step therapy requires you to try preferred prescription medications before other medicines to treat the same condition.
If your prescription doesn’t require you to try a preferred medication first, the pharmacist fills your prescription.
You or your pharmacist can call your doctor to:
Change your prescription to a medication preferred by step therapy.
Or
Ask your doctor to request a medical necessity exception from CVS Caremark. There may be a wait depending on how quickly CVS Caremark can determine whether to grant the exception.
If your prescription requires you to try a preferred medication first and your prescription is for another medication, you’re required to try the medication preferred by step therapy first.
Other medications may be considered second or third step medicines in the step therapy process. If your prescription is for a second or third step therapy medication and you haven’t used the first step therapy medication, you’re required to try the first step therapy (cost-effective) medication — see below.
If your exception isn’t approved by your doctor and CVS Caremark, you can pay the full price for your second or third choice medication.*
* If you purchase a brand name medicine that is part of the step therapy program and a first or second step therapy medication is available, you pay the full cost of that brand name medicine. The brand name medicine is covered only when your doctor and CVS Caremark agree that there’s a medical reason a lower-priced medicine isn’t appropriate for your condition. If you purchase a brand name medicine that isn’t part of the step therapy program and a generic equivalent is available, you pay the difference in cost between the generic and the brand name medicine. For example, if you choose to purchase a preferred brand name medicine that costs $65 and the generic medicine cost is $20, you pay $45 out of pocket before the plan coverage applies to the purchase. In this example, you would pay the $45 difference in price plus 20% coinsurance ($4) on the remaining $20 for a total out-of-pocket cost of $49. If you purchase a brand name medicine that isn’t part of step therapy and a generic equivalent is unavailable, coinsurance applies after meeting your annual deductible. For example, if you purchase a preferred brand name medicine that costs $65, you pay the full $65 cost for the medicine. Once you meet your annual deductible, you pay $13 in coinsurance (20%).
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Register on the CVS Caremark WebsiteGo to www.caremark.com > Register now to sign up and:
• Estimate prescription medication costs.
• Order a refill.
• Get details about the mail order and specialty pharmacies.
• Use the pharmacy locater to find in-network pharmacies near you.
Family members 19 years old or older enrolled in your plan can have their own secure accounts on the CVS Caremark website.
Download the CVS Caremark AppDownload it at www.caremark.com to access your prescription medication benefits on the go. The app is free, but standard mobile phone carrier and data usage charges apply.
Mail Order Program You can fill your prescriptions — up to a 90-day supply — at CVS Caremark’s mail order pharmacy or at any retail pharmacy in CVS Caremark’s network. Visit www.caremark.com to order your prescriptions online.
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Flexible spending accounts (FSAs) let you use before-tax dollars to pay eligible expenses. You fund the account with paycheck deductions throughout the year. See which accounts are available to you and how you can use them in the chart below.
Healthcare FSAsDependent Care FSA
HSA-compatible healthcare FSA Standard healthcare FSA
Eligible expenses
Dental and vision, including deductible and coinsurance amounts
Medical, prescription medication, dental and vision, including deductible and
coinsurance amountsChild care and elder care
Available to • HSA plan members
• HSA Plus plan members
• Kaiser Plus plan members
• All benefit eligible employees in Hawaii
• All benefit eligible employees who waive medical coverage
All benefit eligible employees
Annual contribution amounts
$100 - $2,650 $100 - $2,650 $100 - $5,000
Your money is available to use
January 1 January 1As your account is funded with the deductions from
your paycheck
Why choose this account
• You want to use before-tax dollars to pay for eligible dental and vision expenses right away. You can use your annual contribution beginning January 1.
• You want to save the money in your health savings account.
• You want to lower your taxable income.
• You want to use before-tax dollars to pay for eligible medical, dental and vision expenses right away. You can use your annual contribution beginning January 1.
• You live in Hawaii, or you waived medical coverage, and want to use before-tax dollars to save on out-of-pocket expenses.
• You want to lower your taxable income.
• You want to use before-tax dollars to pay for eligible child care and elder care expenses. You can use the money you contribute as you put it in.
• You want to lower your taxable income.
Unused 2019 FSA dollars don’t carry over to 2020. December 31, 2019 is the last day to spend your 2019 FSA dollars.
March 31, 2020 is the last day to submit 2019 FSA claims to WageWorks.
Flexible Spending Accounts
What's the difference between a healthcare FSA and a health savings account?
Healthcare FSA Health Savings Account
Account dollars carry over year to year
No Yes
Contribution limits
$2,650 per year
• $3,500 per year Employee Only coverage
• $7,000 per year Family coverage
AvailabilityFull annual contribution
available on January 1Available as deposited
from each paycheck
Investment Opportunities
No Yes
McKesson Contribution
NoYes with HSA Plus and
Kaiser Plus plans.
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DEC. 2019
31
MAR. 2020
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Flexible Spending Account Tips
Following the tips below can help you make the most of any flexible spending account:
• Carefully consider your healthcare and dependent care needs before entering an FSA contribution amount on UPoint.
• Pay eligible expenses with your WageWorks® Healthcare Card, by filing a claim for reimbursement on the WageWorks website or using the EZ Receipts® mobile app.
• Find a list of eligible FSA expenses at Total Rewards Library > Flexible Spending Accounts.
You don't need to be enrolled in a McKesson medical plan to enroll in a standard healthcare FSA. Contact WageWorks at www.wageworks.com or call 877.924.3967 to see if you can enroll in an FSA.
If you enroll in a standard healthcare FSA for 2019, have a change in status mid-year and then enroll in a medical plan with a health savings account, your standard healthcare FSA automatically will be converted into an HSA-compatible healthcare FSA.
Enter Your Contribution AmountAfter you choose a medical plan or waive coverage on UPoint, you'll get a chance to enroll in any FSAs you're eligible for. Enter how much you want to contribute for the year and click Continue.
If you enroll in a plan with a health savings account for 2019, due to the tax advantages of a health savings account, you can’t contribute to a standard healthcare FSA. However, you’re eligible to contribute to an HSA-compatible healthcare FSA for dental and vision expenses.
As Seen on UPoint
What you see on UPoint when enrolling in an FSA.
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As Seen on UPoint
Space holder for UPoint screenshot
Keep your smile bright with one of the three Cigna Dental plans. The PPO plans let you visit any dentist you like, but you pay less if you use an in-network dentist. With the DHMO plan, you need to choose a dentist from the network. Find an in-network dentist near you at www.cigna4McKesson.com.
PPO PPO Plus DHMO
Out-of-network coverage Yes Yes No
In-network preventive care and dental cleanings
100% of eligible charges 100% of eligible charges 100% of eligible charges
Deductible $50 individual
$150 family
$50 individual
$150 familyNo deductible
Coinsurance/copay 80% or 50% coinsurance* after meeting deductible
90%, 60% or 50% coinsurance* after meeting deductible
Fixed copay**
Orthodontia coverage For children under age 19 For children under age 19 Adults and children
Calendar year benefit maximum
$1,500 per person $2,000 per person None
* To find out which coinsurance percentage applies to your dental services, see the summary plan description (SPD) at Total Rewards Library > Plan Documents > Dental SPD.
** See your fixed copay amount at UPoint > Health & Insurance > Coverage Details > Plan Information > Dental Plans > Dental HMO - Patient Charge Schedule.
Dental
Get Money BackYou can get reimbursed on out-of-pocket expenses for certain dental treatments if you have a qualified medical condition, such as diabetes or pregnancy. Family members covered by a Cigna Dental plan may be eligible as well. Learn more at Total Rewards Library > Healthcare Benefits > Dental Plans.
Here’s what shows up on UPoint when you choose a dental plan.
TIP Sometimes DHMO and PPO dentists are in the same network. Be sure to compare costs carefully to see which dental plan makes the most sense for you.
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As Seen on UPoint
Space holder for UPoint screenshot
Protect the health of your eyes with coverage from Vision Service Plan (VSP). You can choose from two VSP plans that offer 100% in-network coverage for routine eye exams and prescription glasses after a copay. Visit an in-network VSP doctor to get the best value. At non-VSP doctors, you pay in full up front and submit a claim to VSP for partial reimbursement later. Visit www.vsp.com or call 800.877.7195 to find a VSP provider near you.
Vision Options (in-network only)*
VSP VSP Plus
Plan pays
Eye exam • 100% after $15 copay
• Once every calendar year
• 100% after $10 copay
• Once every calendar year
Prescription glasses 100% up to plan allowance after $25 copay for lenses and/or frame
100% up to plan allowance after $10 copay for lenses and/or frame
Frame • Up to $130 allowance
• Once every other calendar year
• Up to $210 allowance
• Once every calendar year
Lenses (includes single vision, bifocal, trifocal and lenticular lenses)**
• Once every calendar year
• Standard progressive lenses covered in full
• Other lens enhancements available at a discount
• Once every calendar year
• Standard progressive lenses covered in full
• Premium and custom progressive lenses covered after $40 copay
• Other lens enhancements available at a discount
Elective contact lenses (instead of prescription glasses)
• Up to $150 allowance
• Once every calendar year
• Up to $200 allowance
• Once every calendar year
** These coverages are also available for out-of-network provider services. However, dollar maximums apply to exams, lenses, frames and contact lenses as shown in the Vision SPD. Find the Vision SPD on the Total Rewards Library at Total Rewards Library > Plan Documents.
** The plan doesn’t cover the costs of other lens options such as anti-reflective coating, color coating, mirror coating, scratch coating, blended lenses, cosmetic lenses, laminated lenses, oversize lenses, polycarbonate lenses (except for children), photochromic lenses, tinted lenses (except Pink #1 and Pink #2), and ultraviolet protected lenses. For more information, see the Vision SPD at the Total Rewards Library — Total Rewards Library > Plan Documents.
Vision
Save up to 60% on Hearing AidsAs a VSP member, you and your family can get up to 60% off digital hearing aids, plus 48 free batteries per device. Learn more at Total Rewards Library > Healthcare Benefits > Vision Plans and Hearing Discount.
Here’s what shows up on UPoint when you choose a vision plan.
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Additional Protection You Can BuyYou can protect your family’s finances by buying:
• Supplemental life and AD&D insurance — $10,000 to $1.5 million (or eight times your pay, whichever is less).
• Spouse/domestic partner life and AD&D insurance — $20,000 to $400,000.
• Child life and AD&D insurance — $5,000 to $25,000 per child (in $5,000 increments).
You may be asked for Evidence of Insurability (EOI) if:
• You’re enrolling for coverage for the first time and choose an amount greater than $10,000.
• You increase your current insurance amount by more than one level.
If your spouse or domestic partner currently has supplemental life insurance, you can increase his or her coverage by $20,000 (up to $60,000) during Annual Enrollment without EOI. If you need to provide EOI after enrolling, you’ll see a “Submitted Successfully - Required Follow-Ups” page and get a confirmation number. Watch a short video at lifebenefits.com/videos/term to learn more about life insurance.
Automatic ProtectionYou automatically have:
• Basic life coverage — $50,000
• Accidental death and dismemberment (AD&D) coverage — $50,000
Supplemental Life and Accidental Death & Dismemberment
Get Legal, Financial and Travel SupportYou automatically have access to Securian Lifestyle Benefits. Use this resource to find a lawyer, help you create a will and get assistance when traveling more than 100 miles from home. Learn more at Total Rewards Library > Additional Benefits > Securian Lifestyle Benefits.
TIP Check that your beneficiaries are up to date on UPoint. Don’t forget that when enrolling your spouse/domestic partner in insurance, you’re automatically the primary beneficiary.
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You and McKesson Share the Cost of LTD For example, if you earn $50,000 a year, you pay $3.99 per month for LTD coverage and receive $2,500 per month in LTD benefits if you become disabled.
You automatically have short term disability (STD) coverage. The benefit amount is equal to a percentage of your earnings before your disability, minus earnings from other income. McKesson pays for this coverage as part of your Total Rewards.
During Annual Enrollment, you can buy additional protection for you and your family by enrolling in optional long term disability (LTD) coverage. LTD coverage protects your income if you’re out of work for more than 180 days due to a disability. LTD generally provides 60% of your covered earnings (up to a maximum monthly benefit of $25,000), minus earnings from other income.
Long Term Disability
During the first 12 months of LTD coverage, you won’t be paid LTD benefits for a disability that results from a pre-existing condition.
70% McKesson pays
30% You pay
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The Yes/No AnswerIf you enroll your spouse/domestic partner in McKesson medical coverage on UPoint, you’re asked if they're eligible for medical coverage through their employer.
If your answer is Yes, you pay a $100 monthly surcharge* on your McKesson medical premiums beginning January 1, 2019. The $100 surcharge is split over your pay periods each month.
If your answer is No, you don’t pay the $100 monthly surcharge.
Consider encouraging your spouse/domestic partner to enroll in medical coverage through their employer to avoid the surcharge. If you both work at McKesson, answer No to waive the surcharge.
* The surcharge for an employed spouse is taken before taxes. The surcharge for an employed domestic partner is taken after taxes.
Be sure to log on to UPoint and select Yes or No in the Employed Spouse/Domestic Partner Surcharge field even if you don't plan to make changes to your coverage. If you don’t make a selection, your answer becomes Yes by default and you pay the $100 monthly surcharge.
Enrolling Your Spouse/Domestic Partner
As Seen on UPoint
Let us know within 31 days if your spouse/domestic partner loses or gets medical coverage through his or her employer and we’ll add the surcharge to your paycheck or take it off. Simply call the HR Support Center at 855.GO.MCKHR (855.466.2547) and press 1, or go to UPoint > Life Changes.
Here’s what shows up on UPoint in the Employed Spouse/Domestic Partner Surcharge field.
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Tools of the Trade
Use these tools to compare your options and choose the right benefits for you.
UPoint
Log on to UPoint, the enrollment website, at digital.alight.com/mckesson and use the enrollment tools below.
Available October 22
Pricing Modeler Estimate your 2019 medical, dental and vision premiums. You'll be able to see your actual premiums after Annual Enrollment begins.
Available November 5
Healthcare Cost Summary ToolSee how much you spent on healthcare in 2018 so you can estimate your needs for next year.
Health Plan Comparison Charts Compare plans side by side including deductibles, coinsurance and out-of-pocket maximums.
Medical Expense Estimator Estimate how much common healthcare services cost under different medical plans.
Summaries of Benefits and Coverage See quick summary of what each medical plan covers.
Castlight
HSA and HSA Plus plan members can use Castlight as a personal healthcare assistant. Log on (or register) at www.mycastlight.com/mckesson so you can:
Review Past Claims See what you spent money on last year to get an estimate of what you’re likely to spend money on next year.
See What Your Current Plan Covers Check your insurance card if you don't know which plan you’re currently enrolled in.
McKNet
Log on to McKNet, the McKesson intranet, at http://mcknet.mckesson.com to check for Annual Enrollment updates and view the:
15 Most Asked Questions About Annual Enrollment
Health Savings Account FAQs
Difference Between a Health Savings Account and FSA
Helpful Videos About Annual Enrollment
Total Rewards Library
Visit the library at www.mckesson.com/totalrewardslibrary to access Annual Enrollment information from any device connected to the internet. The library is available 24/7.
YammerJoin the MCK Health FYI group on Yammer to share health tips, memes and words of encouragement with your coworkers. Connect to Yammer through Office 365.
InstagramFollow us at @mckessoncorporation.
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Healthcare Lingo
The allowed amount is how much healthcare providers can charge for the services your plan covers.
A copay is the fixed amount you pay for a covered healthcare service.
Doctors, hospitals and service providers that don’t contract with your plan are called out-of-network providers. You usually pay more when you use an out-of-network provider.
Your annual deductible is the amount you pay for office visits, prescription drugs and other covered services before your plan begins sharing the cost.
An EOB is a summary of services used, what your plan paid and how much you owe your healthcare provider.
The most you pay in a year for healthcare services is called the out-of-pocket maximum. After you reach the out-of-pocket maximum, the plan covers 100% of eligible services for the remainder of the plan year.
Coinsurance is the percentage you and your plan each pay when you’re sharing costs. Coinsurance kicks in after you meet your annual deductible.
Doctors, hospitals and service providers that contract with your plan are called in-network providers. You usually pay less when you use an in-network provider.
The medical premium is the amount deducted from your paychecks to pay for your medical coverage. Your deduction comes out of your paychecks before taxes.*
* The cost of coverage for a domestic partner comes out of your paycheck after taxes.
Allowed Amount
Copay
Out-of-Network Provider
Annual Deductible
Explanation of Benefits (EOB)
Out-of-Pocket Maximum
Coinsurance
In-Network Provider
Medical Premium
STOP
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Online Resources
Aetna http://aetnaresource.com/8778/mckesson 877.286.3900
Anthem http://enrollment.anthem.com/McKesson 866.820.0763
Cigna (medical and dental) www.cigna4McKesson.com 888.806.5042
Kaiser Permanentehttps://my.kp.org/mckessoncorp Available in California, Colorado, Georgia, Hawaii, Mid-Atlantic, Oregon and Southwest Washington.
CVS Caremark www.caremark.com 800.378.0822
Vision Service Plan (VSP) www.vsp.com 800.877.7195 [email protected]
Fidelity Investments For health savings accounts. www.netbenefits.com 800.544.3716 7:30 a.m. - 7 p.m. Central time, M-F
WageWorks For flexible spending accounts and commuter benefits. www.wageworks.com 877.924.3967
Resources for Living®www.resourcesforliving.com(username: mckesson, password: eap)888.425.6174The Employee Assistance Program (EAP) is available 24/7 for free, confidential support for everything from child care referrals to addiction counseling. No problem is too big or too small.
HMO Plans
HMSA HMO — HI www.hmsa.com 808.948.6372
Kaiser HMO — HI https://my.kp.org/mckessoncorp 808.432.5955 (Oahu) 800.966.5955 (neighbor islands)
Life and Disability
Securian Life Insurance For life and accidental death and dismemberment (Life and AD&D).866.293.6047
Matrix Absence ManagementFor short term disability.www.matrixabsence.com866.254.8706
CignaFor long term disability.https://www.cigna.com/customer-forms800.362.4462
Condition Support Managers
Aetna — Aetna In Touch Care 877.286.3900
Anthem — Condition Care 866.820.0763
Cigna — Personal Health Team 800.244.6224
Register on Your Carriers’ WebsitesRegister on your medical plan carrier's website and the CVS Caremark website to use online tools and learn how you can manage your medical and prescription medication budget more effectively.
Enter these plan names on your medical carrier’s website to make sure your current doctor is in-network:
Aetna Network: Aetna Choice POS II (Open Access)
Anthem Network: BlueCard PPO
Cigna Network: Open Access Plus with CareLink
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UPointdigital.alight.com/mckesson Enroll in, review and manage your Total Rewards.
HR Support Center855.GO.MCKHR (855.466.2547) Press 1 for the McKesson Benefits Center for Health, Vitality and Pension questions. Benefit experts are available 7 a.m. - 6 p.m. Central time, M-F. Oprime 1 para asistencia en español a través del McKesson Benefits Center.
McKesson reserves the right to modify, terminate or amend benefit plans/provisions at its discretion at any time and for any reason. This document summarizes highlights of some of our benefit plans. This document also serves as a “summary of material modifications” to our benefit plans in accordance with the requirements of the Employee Retirement Income Security Act of 1974, as amended (ERISA). Please keep this document with your copy of the Summary Plan Description.
Call the HR Support Center for:• Answers to general questions about your
coverage options
• Guidance about eligibility and enrollment
• A paper copy of this guide
Speak with an AdvocateIf a benefit expert can’t answer your questions, an advocate will contact you within 24-48 hours.
November 2018
