2015guideUS - Citi Benefits Online

Transcription

2015 Interactive guide to enrollment
Answers to the top 10
questions employees ask
>
LIVE WELL
AND SAVE
MONEY
Earn Live Well Rewards
I’m ready to enroll
>
AM I PAYING
FOR TOO
MUCH
COVERAGE?
WHAT’S NEW
Info for spouses and partners
>
What’s new for 2015
>
>
Consider the whole cost of
each medical plan
>
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
Resources at a glance >
Extra step required to
access TotalComp@
Citi from outside
Citi’s network
If you visit TotalComp@Citi
from outside the Citi network,
you’ll need to use Multi-Factor
Authentication (MFA) to view
your benefits information.
You’ll be prompted to enter
a one-time password that
you’ll receive by text message,
automated voice call or
by using a Remote Access
SafeWord/Mobile Pass card.
Be sure your home and cell
phone numbers are up to date
on Marketplace to receive the
MFA password.
This ensures that your
personal data as an employee
has the same level of
security that applies to our
banking customers. For more
information on MFA, please
visit TotalComp@Citi and click
the MFA link on the login page.
PRINT
HOME
What’s new for 2015
We’re committed to giving you the tools you need to make informed benefits
decisions for you and your family. We’ve updated this guide to make it easy
for you to understand your benefits and get answers quickly. Click the links
below to learn more about what’s different for 2015.
Medical plan changes
We’re offering the same medical plans* in 2015, but
we’re making some changes to those plans. These
changes include higher contributions for the High
Deductible Health Plan (HDHP) and higher coinsurance
(your portion of the cost of care) for both the
ChoicePlan 500 (CP500) and HDHP. Learn more >
Dental and vision plan changes
The Dental HMO and vision plan designs will change and
some copay amounts will be different. Learn more >
New tools and resources
Enhanced tools will help you get the most value from
your medical plan all year long, such as 24/7 access to
a doctor and a new way to estimate the cost of care.
Learn more >
*Note for employees in New Mexico:
The Presbyterian Health Plan HMO will no longer be offered in
2015. Use the tools and resources to help you choose between the
HDHP and CP500.
What isn’t changing
Most of our benefits aren’t
changing significantly for
2015. And Citi’s commitment
to offering employees
access to quality health care
coverage isn’t changing either.
Health care remains a
significant operating expense
for Citi. Each of us must help
manage this expense in order
to continue to make health
care benefits possible. We’re
counting on each other to
become healthier every day for
the benefit of ourselves, our
families, and Citi.
Find out what you can do:
n
Live Well and save money
n
Avoid paying for too much
coverage
n
Use new tools and
resources
2
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
Check it out: The
inside track on your
Health Savings
Account (HSA)
View a short,
animated video to
learn how the HDHP
works with the HSA. Check it
out on Citi Benefits Online.
Take action if you’re
currently enrolled
in the Presbyterian
Health Plan HMO
The Presbyterian Health
Plan HMO will not be offered
in 2015. Use the tools on
YBR™, available through
TotalComp@Citi, to estimate
your costs and compare your
options.
PRINT
HOME
Medical plan changes
Offering medical plans that are affordable for both you and Citi — plans
that encourage a healthy lifestyle — is more important than ever. For
2015, we’re making a few changes to our medical plans.
Paycheck contributions
If you’re currently enrolled in the High Deductible Health Plan (HDHP), you may notice a greater
increase in your contributions again this year compared to the other medical plans. As we
mentioned last year, this is part of our effort to contribute more equally to the cost of the medical
plan options. Find out how you can reduce your paycheck contributions by earning Live Well
Rewards and avoiding the tobacco penalty. Also, consider how to avoid paying for too much
coverage by selecting the most appropriate plan for your needs.
Changes to the ChoicePlan 500 (CP500) and Oxford PPO Plans
These plans will have higher coinsurance — your portion of the cost of care — in 2015. If you use an
in-network provider or facility, Citi will now pay 80% of the cost, compared with 90% in 2014; if you
go outside the network, Citi will pay 60%, compared with 70% in 2014. Keep in mind that coinsurance
applies after you’ve met the annual deductible and is capped by an out-of-pocket maximum.
In addition, there will be separate out-of-pocket maximums for medical and prescription drug
expenses. Currently, you have an out-of-pocket maximum that includes medical costs, but not
prescription costs. Should your out-of-pocket expenses exceed the out-of-pocket maximum, the
plan will pay 100% of covered medical expenses for the remainder of the plan year. In 2015, your
out-of-pocket prescription drug costs will be capped at a maximum of $1,500/Individual and
$3,000/Family.
For more information, view the Health Plan Comparison Charts on YBRTM, available through
TotalComp@Citi.
Note that the changes above apply to many of the HMO plans as well. However, if you are enrolled
in an HMO plan, we encourage you to contact your HMO plan administrator for more information.
Prescription drug changes for certain medications
Changes to the Express Scripts Step Therapy, Prior Authorization, and Drug Quantity
Management pharmacy programs will help provide better outcomes through closer collaboration
with patients and their health care providers to ensure they are receiving the right drugs, in the
right quantities, at the right time. If you are personally impacted by any of these changes, you will
receive a letter from Express Scripts with more information.
3
Ready to enroll? >
PRINT
HOME
Medical plan changes (continued)
TotalComp@Citi >
Other changes to know about
Live Well at Citi >
n The HDHP will have higher out-of-network coinsurance in 2015. If you use an in-network provider, Citi
will pay 80% of the cost. If you use a provider or facility outside the plan’s network, Citi will pay 60%
of the cost after you meet the annual deductible, up to the out-of-pocket maximum.
n For both the HDHP and CP500, keep in mind that networks change from time to time. It’s always important to check whether your doctors are in-network before receiving care.
n Physical and occupational therapy will be limited to 60 visits combined. There will also be a 90-visit
limit for speech therapy. Contact your medical plan carrier for more information.
n As of May 1, 2014, Aetna modified acupuncture coverage to include nausea related to pregnancy and
post-operative and chemotherapy-induced nausea and vomiting. In addition, some formerly covered
services are now excluded from coverage.
n Oxford is making some changes to its covered services:
— Newborn facility services: Coverage will now be under the child, not the mother, and is subject to
the plan’s deductible and coinsurance.
— Coinsurance for labs is changing. Citi will now pay 80% in-network or 60% out-of-network for lab
services after you meet the deductible.
n Some HMO benefits are changing. For more information, view the Health Plan Comparison Charts on
YBRTM, available through TotalComp@Citi.
The CP500 and HDHP will have the same coinsurance in 2015, making them more similar than ever
before. However, with the HDHP, you have the option of opening and contributing to a Health Savings
Account (HSA) to pay for eligible health care expenses now or in the future. Citi will even contribute to
this account on your behalf. Take time to learn about the HDHP to see if this is the right plan for you.
Our new, short, animated video on Citi Benefits Online can help you learn how the HDHP works with the
HSA.
4
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
Dental and vision plan changes
The plan design and some copay amounts are changing in the dental and
vision plans.
Dental plan changes
Vision plan changes
We’re decreasing dental
contributions for both the MetLife PDP
and Cigna DHMO plans and increasing
copays for some services in the
Cigna DHMO, such as sealants, space
maintainers, inlays, onlays, and crowns.
View the cost of different services on
YBR™, available through TotalComp@Citi,
or call Cigna at 1-800-244-6224 for
more information.
We’re making some changes to
the vision plan, including changes in
what you pay for premium progressive
lenses and premium lenses with antireflective coating. In addition, the
amount you pay out of your paycheck
for vision coverage will increase in 2015.
For more information on the vision plan
changes, refer to the uniform summary
of benefits and coverage (SBC) provided
to you by Citi.
Compare your medical and dental plan options
Use the Health Plan Comparison charts on YBR™, available through TotalComp@Citi, to
compare your options.
Citi will also provide you with a uniform summary of benefits and coverage (SBC) for each health
coverage option for the 2015 plan year. These SBCs will allow you to compare plan details across
your plan options as you make your benefit choices for 2015.
5
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
Centers of Excellence
are a great place to
start when you need
specialty care
If you face a major
surgery, need fertility
services, or have a serious
medical condition, using
a Center of Excellence
ensures you will receive
expert care from
experienced physicians
and facilities. Centers of
Excellence are top-rated
facilities with a history of
achieving faster recovery
times and better expected
outcomes.
Contact your medical plan
carrier if you need any of
the services mentioned
above.
PRINT
HOME
New tools and resources
We know your health is a personal matter. You’re responsible for your
own wellbeing, but Citi supports you by providing tools and resources to
help you understand your benefits, know your health risks, and take steps
to be healthier.
Chat with a doctor online
or by phone
Anthem and Aetna will offer the option
to connect live with a doctor online or
by phone through a telemedicine service
in 2015. You’ll have 24/7 on-demand
access to a national network of boardcertified doctors and pediatricians who
can video chat, talk by phone and even fill
prescriptions by email, saving you time
and money when you need it most.
Contact Aetna and Anthem for
more information >
Compare costs for health
care in your area
Health Advocate can help you better
manage your health care costs throughout
the year and make informed decisions
about your care. Starting in 2015, the cost
transparency tool will allow you to estimate
the cost of your medical visit or procedure
so you can make the most cost-effective
choice.
Call Health Advocate at 1-866-449-9933
to get started.
Other tools you can use: annual enrollment edition
Visit YBRTM, available through TotalComp@Citi, to access these tools that can help you make
enrollment decisions:
The Health Plan
Comparison
Charts, to
compare the plans
The Health Care
Cost Summary
tool, to review
your current costs
The Medical
Expense
Estimator, to
estimate future
costs
The “Find a
Provider” tool,
to find a provider
in your plan’s
network
6
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
A guide to annual enrollment for spouses
and domestic partners
Each fall, Citi employees have the opportunity to add or change benefits coverage during an annual
enrollment period. As the spouse/domestic partner of a Citi employee, you can also evaluate your
current coverage and help select Citi benefits for 2015. This year’s annual enrollment period will take
place from October 6 to October 31, 2014. The Citi enrollment period is based on the state in which
your Citi spouse/domestic partner works.
Note to Citi employees:
Know your options
The information in this
section is intended for
your spouse/domestic
partner. Please ask your
spouse/domestic partner
to review this material
so you can both evaluate
which coverage — Citi
coverage or non-Citi
coverage — provides the
most value to you and
your family.
You and your Citi spouse/domestic partner should assess your collective medical plan options to
determine how well they meet your individual and family needs. Some suggestions are:
“Spouse/domestic
partner” includes legal
spouse (same or opposite
sex), domestic partner and
civil union partner.
n Learn about Citi’s ChoicePlan 500 (CP500) and the High Deductible Health Plan (HDHP) to ensure
you aren’t paying for more coverage than you need.
n If you’re currently covered under a Citi medical plan but you have access to another plan, consider
which plan provides the most value. Compare the cost of enrolling separately in “Employee Only”
coverage through your own employer’s plan with the cost of spouse/family coverage through Citi.
n If you have children, evaluate the best way to cover them.
Tobacco penalty applies to covered spouses and domestic partners
Employees and their spouses/domestic partners who are covered under one of Citi’s medical plans
must attest to their tobacco user status during annual enrollment. If your spouse/domestic partner
is enrolling in a Citi medical plan – even if it’s the same medical plan as 2014 – he or she will pay a
$600 tobacco penalty if either of you uses tobacco products ($1,200 total if both of you use tobacco
products), or if he or she doesn’t attest to both of your tobacco-user statuses before the end of his or
her enrollment period.
7
PRINT
TotalComp@Citi >
A guide to annual enrollment for spouses and
domestic partners (continued)
Live Well at Citi >
Live Well at Citi
Ready to enroll? >
Note to Citi employees:
The information in this
section is intended for your
spouse/domestic partner.
Please ask your spouse/
domestic partner to review
this material so you can
both evaluate which
coverage — Citi coverage
or non-Citi coverage —
provides the most value to
you and your family.
“Spouse/domestic partner”
includes legal spouse
(same or opposite sex),
domestic partner and civil
union partner.
Citi provides you with access to life-changing programs, like the Live Well Tobacco Cessation
Program. Available to all employees and their families, the Live Well at Citi Program offers
resources and tools, including telephonic health coaching and online programs, to help you manage
your health care and achieve your health goals, such as losing weight or managing chronic pain.
The programs and resources are free and designed to be easy to use and secure.
If you’re enrolled in Citi health coverage and you complete the Live Well Health Assessment
(offered through RedBrick), you can earn a Live Well Reward of $150 toward the cost of your
health coverage ($300 total if your Citi spouse/domestic partner also earns the Reward) between
October 1 and October 31, 2014. If your Citi spouse/domestic partner declines to enroll in Citi’s
health coverage, you can still complete the Live Well Health Assessment and receive rewards
through a Health Care Spending Account (HCSA) set up under your Citi spouse/domestic partner’s
name.
Visit the RedBrick Portal to take the Live Well Health Assessment. You’ll be prompted to create
a user ID and password if you don’t already have one. The Health Assessment is your gateway to
all the health improvement programs offered by RedBrick, and the first step to earning Live Well
Rewards!
Note: If you’ll be covered under your spouse’s/domestic partner’s Citi benefits for the first time
in 2015, you can earn a Live Well Reward of $150 by completing the Health Assessment between
November 10 and November 21, 2014.
HOME
8
Ready to enroll? >
TotalComp@Citi >
PRINT
HOME
Answers to the top 10 questions employees ask during
enrollment
Live Well at Citi >
Tell me more about...
Eligibility for benefits...
Benefits changes due to
life events…
1
There are a few key differences between the HCSA and the HSA, including who owns the
account, contribution limits, and how funds in the accounts are taxed. For more information
see the Savings and Spending Accounts Comparison Chart.
2
What’s covered under the
plans…
Important legal notices…
Visit citibenefitsonline.
com from any computer
with internet access.
What’s the biggest difference between the ChoicePlan 500
(CP500) and the High Deductible Health Plan (HDHP) if they
both cover the same services?
A key difference between the plans is when you pay. With the CP500, you pay more out of
your paycheck and generally less out of pocket when you receive care. With the HDHP, you
pay less out of your paycheck and generally more out of pocket when you receive care.
Also, the HDHP gives you access to an HSA, to which Citi contributes.
How to access claim
forms…
Citi Benefits Online
has the answers.
What’s the difference between the Health Care Spending
Account (HCSA) and the Health Savings Account (HSA)?
3
How can I figure out which plan is the best one for me?
Visit YBRTM, available through TotalComp@Citi, to access tools that can help you choose the
right plan:
n The Health Plan Comparison Charts, to compare the plans
n The Health Care Cost Summary tool, to review your current costs
nThe Medical Expense Estimator, to estimate future costs
n The “Find a Provider” tool, to find a provider in your plan’s network
You can also call Health Advocate at 1-866-449-9933 from 8 a.m. to 9 p.m. ET Monday through Friday to
have a trained, independent Personal Health Advocate advise you on the differences between Citi’s medical
plans.
9
Ready to enroll? >
TotalComp@Citi >
Tell me more about...
Eligibility for benefits...
4
5
How to access claim
forms…
What are the rules/requirements for unmarried domestic
partners? What is needed to show proof of a domestic partner of
the opposite sex, to have him/her covered under my health plan?
Citi offers benefit coverage to your certified or registered unmarried domestic partner of the
same or opposite sex. You must submit a domestic partner coverage application or your registration,
as applicable, before you can enroll a domestic partner or a domestic partner’s child(ren) under your
Citi coverage. Citi also offers benefits coverage to your civil union partner. For more information, see
domestic partner/civil union partner benefits in the Benefits Handbook.
Important legal notices…
Citi Benefits Online
has the answers.
Visit citibenefitsonline.
com from any computer
with internet access.
My spouse’s benefits enrollment isn’t until mid-November; how
can I make the best decision for my family without having all the
information from both companies?
Use the information available to you now to make the best decision for your family’s needs.
When your spouse becomes eligible to enroll in benefits in November, you can compare your
options and make a change at that time if you want. Since this is a qualifying change in status,
you will have 31 days from your spouse’s enrollment period to change your Citi benefits.
Benefits changes due to
life events…
What’s covered under the
plans…
HOME
enrollment
Live Well at Citi >
PRINT
6
I don’t elect medical coverage through Citi, do I have to
complete the Tobacco Free Attestation and complete the
Health Assessment?
No, you are not required to complete the Tobacco Free Attestation or Health Assessment.
However, the Health Assessment is available to all benefits eligible employees, and we encourage
you to take it to better understand your health status and risks. Taking the Health Assessment will also allow
you to access the free Live Well Healthy Lifestyle Programs. Access the Health Assessment on the RedBrick
Portal through TotalComp@Citi (click “Want to get somewhere fast?” then “Live Well at Citi – RedBrick”).
10
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
Compare your
medical and dental
plan options
Use the Health Plan
Comparison charts on
TotalComp@Citi, to compare
your options.
Citi will also provide you
with a uniform summary of
benefits and coverage (SBC)
for each health coverage
option for the 2015 plan year.
These SBCs will allow you to
compare plan details across
your plan options as you
decide your benefits for 2015.
PRINT
HOME
enrollment
7
I’m currently in the HDHP with an HSA. What happens to
the balance in my HSA if I switch to the CP500?
You will not lose any accumulated funds in your account, since you own the HSA. However, if you
switch to the CP500, you will no longer be able to make contributions to your HSA. You can use the funds
that remain in your HSA to pay for qualified medical expenses incurred after you enroll in another plan.
8
What happens if I have an emergency early in the year
and don’t have enough money in my HSA to cover the
out-of-pocket costs?
If the amount of your medical expense exceeds the amount in your HSA you would be
responsible for paying that expense out of pocket. You may reimburse yourself from your HSA
as additional funds become available.
9
Can I change the amount I contribute to an HSA at any
time during the year?
Yes, contributions (subject to annual limits) can be changed at any time as long as you continue
to be enrolled in a qualified HDHP.
10
My child is 26 years old and covered under my plan from Citi. Her
eligibility ends in December 2014. Should she enroll herself in health
coverage from the public Marketplace through an exchange?
As a reminder, under Health Care Reform, everyone is required to have health care coverage or
pay a penalty. There are many options available through private insurers as well as state and federal
marketplace options. Your child should look at his or her options carefully to determine which might best
meet his or her needs before making a decision. Health Advocate can help with this decision.
11
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
Health Advocate can
help you compare
your options and
choose the right plan.
Call 1-866-449-9933
8 a.m. to 9 p.m. ET
Monday through Friday
PRINT
HOME
Am I paying for too much coverage?
Did you know that many employees enrolled in the ChoicePlan 500 (CP500), could have saved money
by enrolling in the High Deductible Health Plan (HDHP), such as the 25% of participants who had less
than $500 in claims last year? Citi wants to help you choose the best medical plan for you and your
family. Find out how you can avoid paying for too much medical coverage.
n Think about how much you’ve spent on health care in 2014, and for what. Do you think you’ll use the
same medical services in 2015 that you used in 2014?
n Carefully consider your and your family’s health care needs for 2015. Only you can decide which plan
is best for you. You owe it to yourself and your family to think about how you will use benefits in the
coming year (e.g., annual physicals, medications) and determine which benefits will help you maximize
your budget while meeting your health care needs.
n Think about the whole cost. The deductible amount shouldn’t be the only factor you consider when
comparing plan costs. The same goes for premium contributions. It’s important that you think about
the total cost you’ll spend out of your paycheck and out of your pocket.
n Consider both the HDHP and the CP500.
WHAT’S THE SAME?
Both plans cover the same
services and are designed to
help you take control of your
health and the dollars you
spend on your health care.
Each plan covers 100% of the
cost for certain recommended
preventive care services with no
out-of-pocket cost to you when
services are provided
in-network. And, both plans offer
specialized programs to help
manage chronic conditions.
WHAT’S DIFFERENT?
A key difference between the
plans is when you pay. With the
CP500, you pay more out of
your paycheck and generally
less out of pocket when you
receive care. With the HDHP, you
pay less out of your paycheck
and generally more out of
pocket when you receive care.
Also, the HDHP gives you access
to a Health Savings Account
(HSA), to which Citi contributes.
You can contribute too, on a
before-tax basis.
AN I SEE MY SAME
C
DOCTOR?
Health care is personal, and
there’s nothing more personal
than the patient-physician
relationship. So both plans offer
you the option to choose your
own doctors. If you choose an innetwork provider, you typically
pay less for your care. You can
see your same doctor; however,
if he/she is out-of-network, you
may pay more.
n Visit YBRTM, available through TotalComp@Citi, to access tools that can help you choose the right plan:
— The Health Plan Comparison Charts, to compare the plans
— The Health Care Cost Summary tool, to review your current costs
— The Medical Expense Estimator, to estimate future costs
— The “Find a Provider” tool, to find a provider in your plan’s network
12
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
Live Well and save money
Live Well Rewards give you the chance to improve your health and reduce
the cost of your medical premiums, meaning more money in your pocket.
Healthy
behavior
Reward/penalty
2015
How to earn the
incentive/avoid the
penalty
Who can participate
It’s easy to earn
Rewards through
the Healthy Lifestyle
programs: complete
up to three Journeys
and up to three
health coaching
programs through
RedBrick to earn up
to $300 in Live Well
Rewards per person.
Live Well Health
Assessment
$150 Reward per
person
Take the Health Assessment Citi benefits eligible employees
from October 1 – October 31, regardless of whether they’re
2014 to earn your incentive enrolled in Citi benefits;
spouses/domestic partners* if
they’re enrolled in Citi medical
coverage
Tobacco Free
Attestation
$600 penalty per
person
Complete the Tobacco
Free Attestation on
TotalComp@Citi; complete
the Live Well Tobacco
Cessation Program in 2015
Live Well
Healthy Lifestyle
Programs
$50 Reward
per completed
program, up to
$300 per person
Complete up to three
Citi employees and spouses/
Journeys and up to three
domestic partners* who are
health coaching programs
enrolled in Citi medical coverage
through RedBrick (between
October 1, 2014 and
September 30, 2015)
Live Well Chronic
Condition
Management
Programs
$300 Reward per
person
Work with a professional
from your health plan
on a specific program to
address your chronic health
condition(s)
Only Citi employees and
spouses/domestic partners*
who are enrolled in Citi medical
coverage are subject to the
tobacco penalty
Selected employees and
spouses/domestic partners*
enrolled in a Citi medical plan
administered by Aetna, Anthem
BlueCross BlueShield or Oxford
*“Spouse/domestic partner” includes legal spouse (same or opposite sex), domestic partner and civil union partner.
13
Ready to enroll? >
TotalComp@Citi >
PRINT
HOME
How to enroll
Learn, decide and enroll before your enrollment deadline.
Live Well at Citi >
Is your home address up
to date? Visit Citi For You
(intranet only) or contact HR
Shared Services at 1-800881-3938. Also, be sure
your home and cell phone
numbers are up-to-date on
Marketplace to receive your
Multi-Factor Authentication
password.
LEARN
n
n
n
n
See what’s new for 2015
Find
out how to avoid
paying for too much
coverage
DECIDE
n
Use
the tools and
resources on YBRTM,
available through
TotalComp@Citi
n
o to YBRTM, available
G
through TotalComp@Citi,
to:
– Make your enrollment
elections
– Attest to your tobacco
user status
– Take the Live Well
Health Assessment
n
r, enroll by phone by
O
calling the Citi Benefits
Center via ConnectOne
at 1-800-881-3938. For
TDD and international
assistance, see Resources
at a glance.
et answers to common
G
questions
earn what to do to earn
L
Live Well Rewards
n If
TIP: Be sure each
family member is
listed as a covered
dependent under each
individual plan. When enrolling
by phone, you must ask a Citi
Benefits Center representative
to “cover” each dependent.
ENROLL
you have a spouse/
domestic partner, have
him or her check out the
information for spouses
and partners
When do you enroll? It depends on where you work.
If you work in:
Your enrollment period is:
AZ, CO, CT, DC, DE, MA, MD, ME, NC, NH, NJ, NM, NY, PA, RI, SC, TX, VA, VT, or WV
October 6 – October 17
AK, AL, AR, CA, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NV,
OH, OK, OR, SD, TN, UT, WA, WI, or WY
October 20 – October 31
14
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
Learn, decide, enroll
What happens if I don’t enroll?
Annual enrollment is your opportunity to make informed decisions for 2015.
If you don’t take action by the deadline:
1
2
4
5
You’ll pay the tobacco penalty:
If you’re currently enrolled
in a Citi medical plan and don’t
take action during your annual
enrollment period, you’ll pay
the tobacco penalty for 2015,
regardless of whether or not you
use tobacco products. Complete
the Tobacco Free Attestation
before your enrollment deadline by
visiting YBR™, available through
TotalComp@Citi.
Your Health Savings Account
(HSA) contributions won’t begin
on January 1, 2015: If you contribute
to an HSA, you must elect a goal
contribution amount each year;
your current contribution election
will not carry over. In order for
your contributions to take effect on
January 1, you must make your 2015
election by the annual enrollment
deadline; however, you can enroll in
or change your contribution to an
HSA at any time during 2015.
Note: Delays in establishing your
HSA contribution may limit Citi’s
contribution to your HSA.
You’ll be
automatically
enrolled in the same
coverage and at the
same coverage level
as in 2014: If you don’t
enroll in benefits for
2015, you’ll default
to the same benefits
coverage you have in
2014.
3
You won’t
be able to
contribute to a
spending account
for 2015: To
contribute beforetax dollars to a
spending account,
you must actively
enroll in these
accounts each year.
You’ll miss out on the $150 Reward for taking
the Live Well Health Assessment.
6
You’ll risk federal penalties as a result of U.S.
Health Care Reform law if you don’t enroll in
Citi or other medical coverage for 2015 unless you
qualify for an exemption. For more information,
visit TotalComp@Citi to review the “Important
information about Citi benefits and Health Care
Reform” article and frequently asked questions.
Health Advocate can also help answer your questions.
Contact Health Advocate at 1-866-449-9933 from 8
a.m. to 9 p.m. ET Monday through Friday.
15
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
Resources at a glance
Annual enrollment
LEARN
• Find additional plan information
• Link to online resources
• View short benefits video clips, including a
video about making enrollment decisions
• Citi Benefits Online
DECIDE
• Consider the two types of costs you pay for
coverage
• Use the Health Care Cost Summaries and
Medical Expense Estimator
• Estimate how much to contribute to a
spending account or Health Savings Account
(HSA)
• Your Benefits Resources™ (YBR™), available through
TotalComp@Citi
• Find doctors in your plan’s network
• Access plan-specific information
• View your health care claims
Medical Plan and Prescription Drug Plan websites
• Aetna
•A
nthem BlueCross BlueShield
•O
xford
•E
xpress Scripts
•H
MOs
•C
igna Dental HMO
•A
etna Vision
ENROLL
• Online
• YBRTM, available through TotalComp@Citi
•B
y phone
Citi Benefits Center via ConnectOne
1-800-881-3938
Outside the United States and Puerto Rico
1-469-220-9600
a.m. to 8 p.m. ET Monday through Friday, excluding
8
holidays.
“Health and welfare benefits” option
If you use a TDD: Call the Telecommunications Relay
Service at 711, then ConnectOne
16
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
General benefits
LEARN
• Find detailed plan information in the Benefits
Handbook
•A
ccess the Employee Benefits Roadmap
•A
ccess all Citi Benefits websites and Live Well
resources
•F
ind a claim form
•V
iew information about the Live Well at Citi Program
UPDATE
• Learn more about the Qualified Changes in Status
• Process a Qualified Change in Status
By Phone:
Citi Benefits Center via ConnectOne
1-800-881-3938
Outside the United States and Puerto Rico
1-469-220-9600
8 a.m. to 8 p.m. ET Monday through Friday, excluding
holidays.
“Health and welfare benefits” option
If you use a TDD: Call the Telecommunications Relay
Service at 711, then ConnectOne
Online: Available from YBRTM through TotalComp@Citi
TRACK INFORMATION
• Check your balance for your
– Health Care Spending Account (HCSA)
– Limited Purpose Health Care Spending Account
(LPSA)
– Dependent Care Spending Account (DCSA)
•R
eview a list of eligible expenses for each spending
account
• Your Spending AccountTM through TotalComp@Citi
• Check your balance for your Health Savings Account
(HSA)
• Review a list of eligible expenses for your HSA
• ConnectYourCare
• Also Available from YBRTM through TotalComp@Citi
17
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
Live Well at Citi
GET INFORMATION
• Find out more about what the Live Well at Citi
Program has to offer
•L
earn about the Live Well Rewards available in
2015
Live Well at Citi on Citi Benefits Online
• Link to the Live Well Health Assessment
Employees:
Access the RedBrick Portal through
TotalComp@Citi
Spouses/domestic partners*:
Go to the RedBrick Portal
(Note that first time users will need to create a
user name and password.)
• Get help making choices about your illness or a
family member’s illness
• Find assistance with determining the best
medical plan for you and your family
Health Advocate
1-866-449-9933
8 a.m. to 9 p.m. ET
Monday through Friday
• Find help with an immediate health issue
Contact your medical plan directly to see if 24/7
nurse access is available
*“Spouse/domestic partner” includes legal spouse (same or opposite sex), domestic partner and civil union partner.
HOME
18
Ready to enroll? >
TotalComp@Citi >
Live Well at Citi >
PRINT
HOME
Your privacy matters
The Live Well at Citi Program was designed to provide for your privacy and to comply with all federal
and state privacy laws, including the Health Insurance Portability and Accountability Act of 1996
(HIPAA).
Any Protected Health Information (“PHI”) and/or electronic PHI, as defined under the HIPAA
privacy and security rules, related to the Live Well at Citi Program is maintained by a third-party
vendor (RedBrick or the Citi medical plan providers) and isn’t maintained on Citi data systems. All
information provided through the Live Well at Citi Program is available for review by you, your
doctors, and other health care professionals. Safeguards have been implemented to prevent your PHI
or electronic PHI from being seen by or shared with other people. No Citi employee should see your
PHI or electronic PHI. Citi will receive aggregate reports to review the performance of the program.
By enrolling in the Citigroup Health Benefit Plan, you consent to the terms and conditions of the Live
Well at Citi Program, and they may be amended from time to time.
For purposes of this guide, “Citi” refers to Citigroup Inc. and its subsidiaries and their affiliates.
This guide briefly summarizes certain key features of Citi benefits for eligible employees and their
dependents and is treated as a Summary of Material Modifications under the Employee Retirement
Income Security Act of 1974, as amended (ERISA), but it doesn’t provide detailed information. This
guide doesn’t change, expand, or otherwise interpret the terms of the plans or programs described
here. If there’s any conflict between this guide, or any written or oral communication by a person
representing the plans or programs, and the plan or program documents (including any related
insurance contracts), the terms of the plan or program documents (including any related insurance
contracts) as interpreted in the sole discretion of the plan or program administrator will be followed
in determining your rights and benefits under the plans or programs.
This guide is neither a contract of employment nor a guarantee of continued employment for any
definite period of time. Your employment is always on an at-will basis. Citi may change or discontinue
at any time, and for any reason in its sole discretion, any or all of the benefits coverage described in
this guide.
19

2015guideUS - Citi Benefits Online

Transcription

Similar documents

julian edelman - Tewksbury Youth Football

Text a command to MYCITI (692484) and get the

View Floor Plan - The Willard at 252 West 76th Street

EB-5 Bridge Financing / Escrow Services

Selling Your Home

Get more from your Citibank Credit Card

Citibank Online

eileen a. auld - Networking Magazine

Citi Travel Pass

hardship assistance package