2016 Annual U.S. Benefits Enrollment Bulletin - My Health

2016 Annual Benefits Enrollment
BULLETIN
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Save $500 in your 2016
medical payroll contributions
Plus, earn funds in your 2016 MRA for you
and your covered spouse/domestic partner.
Learn more
Learn About
Health Care
Savings Tips
Build Your
2016 MRA
KEY CHANGES
We're making changes to your
benefits for 2016. Be sure to read about them!
Get the details now
Like this bulletin? Tell us!
Consider Your
Enrollment Choices
Take These
Enrollment Actions
1+1=
$500
Complete a
Wellness Screening
& Assessment
Use Tools to Choose
JP MORGAN CHASE & CO.
2016 Annual Benefits Enrollment
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
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Benefits Reminders
KNOW YOUR
NUMBERS
Numbers are a part of life. And we use them to
make decisions every day. Did you know numbers
are also important when it comes to your health?
Knowing your biometric numbers — like your blood
pressure, blood sugar, cholesterol and body mass
index levels — are important in understanding your
health, so you can make decisions to reduce your
health risks.
JPMorgan Chase understands the importance of
knowing your numbers, which is why we encourage
you to get both a biometric Wellness Screening and
complete an online Wellness Assessment
questionnaire each year. The Wellness Screening
provides numbers that can help you understand
health risks you may have. And you can enter those
numbers into your online Wellness Assessment on
your health care company's website to develop an
action plan to help you get and stay healthy.
Because we believe getting a biometric Wellness
Screening and completing an online Wellness
Assessment are so important in identifying your
health risks, you’ll save $500 in 2016 medical
payroll contributions and earn $200 for your 2016
Medical Reimbursement Account (MRA) when you
complete both activities during 2015. And when
your covered spouse/domestic partner completes
both these activities during 2015, you’ll save an
additional $500 in 2016 medical payroll
contributions (up from $250 in 2015) and earn an
additional $100 in your 2016 MRA.
Make Time to Review
Your Benefit Choices
Knowing your numbers is also important in
making decisions about your medical
coverage, and whether to enroll in a Health
Care Spending Account or Child/Elder Care
Spending Account, Long-Term Disability
and/or life insurance coverage. Take time to
read this Annual Benefits Enrollment Bulletin
and understand your benefit choices.
Continued
JPMORGAN CHASE | 2
2016 Annual Benefits Enrollment
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What's
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Benefits Reminders
Know the Numbers JPMorgan Chase Is Investing in Your Health!
$425M
JPMorgan Chase has
deposited over $425
million in employees’
MRAs since 2012.
$6M
30%
Employees are gaining
valuable information
about their health.
21%
21% of employees who got a
biometric Wellness Screening
in previous years discovered a
health risk they didn’t even
know they had!
JPMorgan Chase
expects to spend
$6 million on 2016
biometric Wellness
Screenings.
The Medical Plan paid
$28 million in claims for
preventive care services
in 2014. Use of preventive care
$28M
While an increasing
number of employees
have been completing
biometric Wellness
Screenings and online
Wellness Assessments,
30% of employees
still haven’t.
services by employees and their
covered dependents continues
to exceed marketplace norms.
Continued
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2016 Annual Benefits Enrollment
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What's
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Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Your 2016 Medical Reimbursement Account (MRA) and Wellness Activities
Complete a Biometric Wellness Screening and an Online Wellness Assessment During 2015
Complete both activities:
Because knowing your numbers is so important, you’ll earn $200 in your
2016 Medical Reimbursement Account (MRA) and save $500 in medical
payroll contributions in 2016 when you complete both a biometric Wellness
Screening and an online Wellness Assessment questionnaire between
January 1 and December 31, 2015.
Wellness
Screening
You will save an additional $500 in 2016 medical payroll contributions (up $250
from 2015) if your covered spouse/domestic partner also completes both these
activities during 2015. Don’t forget that when your covered spouse/domestic
partner completes both these activities during 2015, you’ll also earn an additional
$100 in 2016 MRA funds.
And you (employee)…
Earn
$200
Please note: Your 2016 MRA funds will be credited to your account in
mid-January.
Reminder: If you completed your biometric Wellness Screening at your
doctor’s office, make sure you or your doctor submits the Wellness Screening
Results Form available on My Health as soon as possible, but no later than
January 31, 2016.
Note: Employees and/or their covered spouses/domestic partners who become eligible for
coverage after October 1, 2015, have from their coverage effective date until December 31, 2016,
to complete a Wellness Screening and Wellness Assessment and earn 2016 MRA funds. They will
automatically pay the reduced medical payroll contributions for 2016.
Important: When you are enrolling in your 2016 benefits, the medical
payroll contributions (payroll deductions for Medical Plan coverage) shown
on the Benefits Web Center assume you and your covered spouse/
domestic partner have completed both wellness activities during 2015.
Wellness
Assessment
For you
Save
$500
2016 MRA
Funds
2016 Medical
Payroll
Contributions
$100
$500
2016 MRA
Funds
2016 Medical
Payroll
Contributions
For your covered
spouse/domestic
partner
Go to Your 2016 MRA Action Plan
Continued
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2016 Annual Benefits Enrollment
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U.S. Enrollment: October 6–23, 2015
What's
' Changing
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Benefits Reminders
Understand How the Biometric Wellness Screening
and Online Wellness Assessment Work
A biometric Wellness Screening provides
overall key indicators of your health and takes
about 30 minutes to complete. Screenings provide
your blood pressure, blood sugar, cholesterol,
triglycerides and body mass index (BMI) numbers.
Sign up for your free Wellness Screening
appointment today on My Health.
The online Wellness Assessment is a simple
health and lifestyle questionnaire that takes about
15 minutes to complete. After you complete the
online Wellness Assessment, you’ll see a summary
of what you’re doing well and opportunities to
improve. When you finish taking the online Wellness
Assessment, be sure to print the completion page
to keep for your records.
Blood Pressure
Cholesterol
BMI
Blood Sugar
Keep in mind that when you enter your Wellness
Screening numbers in your Wellness Assessment,
you can get a summary that’s better targeted to
you. Find the Wellness Assessment on your health
care company’s website through My Health.
Together, your Wellness Screening and Wellness Assessment results provide helpful, confidential
information about what you’re doing well, recommendations for improving your health, and potential
issues to discuss with your doctor.
Your Privacy Is Important
The privacy of your health information is
important to you — and to JPMorgan Chase.
You can be sure that your personally
identifiable health information is protected
and secure, and complies with privacy
regulations, such as those outlined in the
Health Insurance Portability and
Accountability Act (HIPAA). Any personally
identifiable health information, including
Wellness Screening results and Wellness
Assessment answers, is not shared with
anyone, including JPMorgan Chase, without
your authorization and except as permitted
by HIPAA. Plus, while the JPMorgan Chase
Health & Wellness Centers are staffed with
nurses who are employed by the firm, as
medical professionals, they cannot disclose
your personal information to anyone outside
the centers without your written permission.
We’re continually looking to find the right
balance to address your needs from a health
perspective, as well as your concerns from a
privacy perspective. We hope this context
eases any concerns about the protection of
your personal information.
Continued
JPMORGAN CHASE | 5
2016 Annual Benefits Enrollment
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Track Completion of Your Wellness Screening and
Wellness Assessment for 2016
To track the status of completion of your 2016 Wellness Screening and Wellness Assessment on your
health care company’s website, go to My Health > My MRA Tracker and take these steps:
• Cigna: Once you are on Cigna's site, a 2016 checklist will indicate with green checkmarks what has
been done and received by Cigna.
• UnitedHealthcare: Once on UnitedHealthcare’s site, you can click track your 2016 screening and
assessment status. A box will indicate what has been done and received by UnitedHealthcare.
Your covered spouse/domestic partner can access his or her health care company through My Health
(myhealth.jpmorganchase.com) or by going to Cigna (mycigna.com) or UnitedHealthcare
(myuhc.com) directly. Here are the steps you and your covered spouse/domestic partner can
take to track completion of his or her activities:
• Cigna: You can verify what your spouse/domestic partner has completed using the steps above or your
spouse/domestic partner can call Cigna directly to verify.
• UnitedHealthcare: By selecting UnitedHealthcare under My 2015 Medical Plan on My Health, your
spouse/domestic partner will be taken to the UnitedHealthcare website. He or she should log in with his
or her own username and password. On the landing page, select Health & Wellness. On the "Health &
Wellness" page, select Health & Wellness Tools. At the top of the "I Am, I Do, I Get" page, there is a
customized message box, which shows the activities that have been completed and received by
UnitedHealthcare.
It takes approximately two to three weeks for your health care company to receive and process the
Wellness Screening results, so be sure to allow time for processing.
If You Don’t Enroll in the
JPMorgan Chase Medical Plan
for 2016
If you choose to not enroll in the
JPMorgan Chase Medical Plan, you can still
earn up to $600 in 2016 Wellness Rewards
(payable in your 2016 pay). Here’s how:
• You can earn $200 for completing both the
Initial Wellness Activities (biometric
Wellness Screening and online Wellness
Assessment) during 2015.
• Plus, an additional $400 for completing two
Additional Wellness Activities during 2016
after completing the Wellness Screening
and Wellness Assessment.
Keep in mind that your spouse/domestic
partner is not eligible to earn Wellness
Rewards.
Continued
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2016 Annual Benefits Enrollment
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What's
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Benefits Reminders
Take Advantage of JPMorgan Chase
Onsite Health & Wellness Centers
At the onsite JPMorgan Chase Health & Wellness Centers, you have access to
basic medical services and educational resources — at no cost to you. The
centers provide medical care, treatment and resources when you need them
at work to supplement the care and direction you get from your own doctor.
Onsite nurses are available to act as advisors and help you connect with your
health care company’s coaching programs. Doctors are also available at many
locations to provide onsite care when you need it. Please note: Some Health
& Wellness Centers offer additional services that may result in a cost, such as
bloodwork ordered by your primary care physician that is sent to a lab for
processing, physician specialists and physical therapists who are offering
services onsite for your convenience. For these services, a claim will be
submitted to your insurance company, and costs will be covered according to
your Medical Plan.
Sign up for your free Wellness Screening appointment at an onsite event or
JPMorgan Chase Health & Wellness Center today on My Health.
Earn MRA Funds for Completing Additional Wellness
Activities
In addition to the $200 MRA funds for completing both a Wellness
Screening and Wellness Assessment in 2015, you’ll have the opportunity
to earn up to $800 more when you complete Additional Wellness
Activities during 2016, for a total of $1,000 in 2016 MRA funds.
Plus, if you cover a spouse/domestic partner, you earn $100 when your
covered spouse/domestic partner completes both a Wellness
Screening and Wellness Assessment in 2015, and up to $300 more
when your covered spouse/domestic partner completes Additional
Wellness Activities in 2016 (total of $400).
So if you and your covered spouse/domestic partner complete the Initial
Wellness Activities and the Additional Wellness Activities, you could
earn $1,400 in 2016 MRA funds!
Free flu shots are also available this fall. For your convenience, flu shots
can be scheduled and given at the same time you make your Wellness
Screening appointment.
Remember that if you don’t enroll in a JPMorgan Chase Medical Plan
option for 2016, you’ll still be able to earn up to $600 in 2016 Wellness
Rewards (payable in your 2016 pay) when you complete both a Wellness
Screening and Wellness Assessment in 2015, as well as two Additional
Wellness Activities in 2016.
Learn more and sign up on My Health. Please note: Getting a flu shot is
not an eligible activity to earn MRA funds.
Learn more about the Additional Wellness Activities you can complete
during 2016 in the Your 2016 MRA Funding at a Glance chart.
Get Your Flu Shot and Stay Healthy
Continued
JPMORGAN CHASE | 7
2016 Annual Benefits Enrollment
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What
What's
's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Key Changes
Medical and Prescription Drug Plan
Design Changes
JPMorgan Chase is making changes to our medical and prescription drug
plan deductibles and out-of-pocket maximums. While the deductibles and
out-of-pocket maximums have remained mostly unchanged since 2012,
medical costs continue to increase, and the changes reflect these adjustments.
The in-network deductibles and out-of-pocket coinsurance
maximums under the Medical Plan options will increase.
The out-of-network deductibles will increase
for Medical Plan Options 1 and 2.
The out-of-network coinsurance maximum under Medical Plan Option 1
will increase to match the coinsurance maximum under Option 2.
The retail prescription brand-name drug deductible will increase.
The prescription drug out-of-pocket maximum will decrease.
Go In-Network and Save
We’re increasing deductibles and coinsurance maximums for
out-of-network medical care due to rising medical costs and because an
increasing number of employees are selecting out-of-network providers
and services, which cost more for all employees and JPMorgan Chase.
Selecting in-network providers and services is more cost-effective.
Here are some resources to help you better understand what
out-of-network means and how to find an in-network provider:
• What You Need to Know and Do for Out-Of-Network Care Tip
Sheet on My Health.
• In addition to web tools, such as Doctor Search (My Health > My 2015
Health Benefits) to identify quality and cost-effective providers,
employees and covered dependents can also call their health care
company (Cigna/UnitedHealthcare) or Health Advocate.
Understand Your 2016 Benefits
Sign up for the October 13 Teleconference
Sign up for a teleconference to learn more about the 2016 benefits changes, ways to earn 2016 MRA funds, enrollment decisions you need to make and
the tools and resources available to help you. Visit My Health for more information and to register for “Making the Most of Your Benefits: 2016 Annual
Benefits Enrollment.” A replay of the session will be available on My Health if you cannot make the call, as well as posted on the My Health site for your
covered spouse/domestic partner (myhealth.jpmorganchase.com).
Continued
JPMORGAN CHASE | 8
2016 Annual Benefits Enrollment
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What
What's
's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Medical Plan Changes
2015
2015
Employee
Employee +
Spouse/DP or
Child(ren)
Employee +
Spouse/DP +
Child(ren)
Employee
Employee +
Spouse/DP or
Child(ren)
Employee +
Spouse/DP +
Child(ren)
$1,500
$2,250
$3,000
$1,750
$2,625
$3,500
$750
$1,125
$1,500
$1,000
$1,500
$2,000
$60,000 – $149,999
$1,250
$1,875
$2,500
$1,500
$2,250
$3,000
$150,000+
$2,000
$3,000
$4,000
$2,250
$3,375
$4,500
$2,500
$3,750
$5,000
$2,750
$4,125
$5,500
<$60,000
$4,000
$6,000
$8,000
$6,000
$8,000
$12,000
$60,000 – $149,999
$4,000
$6,000
$8,000
$6,000
$8,000
$12,000
$150,000+
$4,000
$6,000
$8,000
$6,000
$8,000
$12,000
Option 1 Plan Provisions
In-Network Deductible
2015
2016
2016
2016
In-Network Coinsurance Maximum*
Total Annual Cash Compensation
<$60,000
Out-of-Network Deductible
Out-of-Network Coinsurance
Maximum*
Total Annual Cash Compensation
*Does not include deductible
Continued
JPMORGAN CHASE | 9
2016 Annual Benefits Enrollment
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What's
What's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Medical Plan Changes
2015
2015
2015
2016
2016
2016
Employee
Employee +
Spouse/DP or
Child(ren)
Employee +
Spouse/DP +
Child(ren)
Employee
Employee +
Spouse/DP or
Child(ren)
Employee +
Spouse/DP +
Child(ren)
$2,500
$3,750
$5,000
$2,750
$4,125
$5,500
<$60,000
$2,500
$3,750
$5,000
$2,750
$4,125
$5,500
$60,000 – $149,999
$3,050
$4,575
$6,100
$3,050
$4,575
$6,100
$150,000+
$3,050
$4,575
$6,100
$3,050
$4,575
$6,100
$4,500
$6,750
$9,000
$4,750
$7,125
$9,500
<$60,000
$6,000
$8,000
$12,000
$6,000
$8,000
$12,000
$60,000 – $149,999
$6,000
$8,000
$12,000
$6,000
$8,000
$12,000
$150,000+
$6,000
$8,000
$12,000
$6,000
$8,000
$12,000
Option 2 Plan Provisions
In-Network Deductible
In-Network Coinsurance Maximum*
Total Annual Cash Compensation
Out-of-Network Deductible
Out-of-Network Coinsurance
Maximum*
Total Annual Cash Compensation
*Does not include deductible
Use the Tools to Help You Decide
Use tools like DecisionDirect™ on the
Benefits Web Center to help you decide the
best Medical Plan option for you for 2016,
based on your needs and preferences.
Continued
JPMORGAN CHASE | 10
2016 Annual Benefits Enrollment
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What
What's
's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Prescription Drug Plan Changes
The Prescription Drug Plan deductibles will increase, while the prescription drug out-of-pocket maximums will decrease.
2015
Plan Provisions
2015
2015
2016
2016
2016
Employee
Employee +
Spouse/DP or
Child(ren)
Employee +
Spouse/DP +
Child(ren)
Employee
Employee +
Spouse/DP or
Child(ren)
Employee +
Spouse/DP +
Child(ren)
Retail Prescription Brand-Name
Drug Deductible
$50
$100
$150
$100
$200
$300
Prescription Drug Out-of-Pocket
Maximum*
$1,000
$1,475
$1,950
$950
$1,400
$1,800
*Does not include deductible
A mandatory generic drug program will be implemented, and some drugs will be excluded from the CVS/caremark drug lists.
Plan Provisions
2015
2016
Mandatory Generic Drug Program
N/A
• Use generic drugs when available or pay the entire cost
difference between the brand-name drug and generic
drug, plus the generic copay.
• Per prescription maximum and annual out-of-pocket
maximum limits do not apply.
Excluded Drugs
• About 100 drug/drug supplies excluded.
• Only available at full cost.
• About 130 drug/drug supplies plus about 40 Specialty
Drugs will no longer be covered.
• The drugs will only be available at full cost.
Continued
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2016 Annual Benefits Enrollment
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U.S. Enrollment: October 6–23, 2015
MRA/Wellness
What's
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Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Note These Important Definitions :
Deductible
Annual dollar amount you must pay
before the Medical Plan begins to pay
for certain services covered under the
plan. For prescription drugs, it’s the
annual dollar amount you must pay for
brand-name prescription drugs before
the plan begins to pay for brand-name
retail prescription drugs under the plan.
Please note: In-network preventive
and primary care are not subject to
and do not apply to the deductible.
In addition, prescription drugs do not
apply to the Medical Plan deductible.
Coinsurance
Portion of eligible medical expenses
that you are responsible for paying,
generally after your deductible is met.
Annual Coinsurance/
Out-of-Pocket Maximum
Most you will pay for covered
expenses before the plan pays 100%
of covered health expenses for
the remainder of the year. There are
separate coinsurance maximums for
in-network and out-of-network
charges and a separate out-of-pocket
maximum for prescription drugs.
Does not include amounts above
Reasonable and Customary (R&C)
for out-of-network coverage or
non-covered expenses.
Continued
JPMORGAN CHASE | 12
2016 Annual Benefits Enrollment
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What's
What's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Prescription Drug Changes
To encourage employees to be better consumers of health care, we are
making the following changes to prescription drug coverage in addition to the
changes to the prescription drug deductibles and out-of-pocket maximums
mentioned earlier. If any of these changes impact you, you and your doctor
will be notified by CVS/caremark, and your doctor will be able to speak with
CVS/caremark’s specialized team about your options.
A mandatory generic drug program will be implemented. Generic
drugs will be substituted for all brand-name prescription drugs with a direct
generic equivalent. If you choose to fill your prescription with a brand-name
drug when a generic alternative is available, you will pay the entire cost
difference plus the generic drug copay. Please note: These cost
differences will not be limited by per prescription maximums or
annual out-of-pocket maximum limits. You can review cost differences
by visiting the CVS/caremark website through My Health.
Learn More
Look under “Important Messages” on the CVS/caremark website for
instructions on how to learn more about your 2016 Prescription Drug plan
design and costs. You can access the CVS/caremark website through
My Health > My prescription drug plan.
CVS/caremark excluded drug lists (Specialty and
Non-Specialty)
• In 2015, we adopted CVS/caremark’s standard drug list and excluded
approximately 100 drugs. This list is subject to change annually by
CVS/caremark and for 2016, an additional 30 drugs will no longer be
covered. You can look at this list on the Caremark website.
• In 2016, we are also adopting CVS/caremark’s Specialty drug list of covered
and excluded drugs and approximately 40 specialty drugs will no longer be
covered. This list is subject to change quarterly by CVS/caremark. You can
review the list at any time on the Caremark website.
• An independent committee made up of pharmacists, physicians and medical
ethicists reviews and approves the drug lists (also known as a Formulary). In
addition, non-sedating antihistamines, such as Clarinex and Allegra, are not
on the excluded list but are also not covered under the plan.
Please note: Your physician can contact CVS/caremark to seek medical exception approval
for specific clinical reasons.
Important: If you choose to take a non-covered drug, you will pay the full
cost of the drug.
Continued
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MRA/Wellness
What's
What's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Medical Payroll Contribution Changes
As the cost of medical coverage continues to rise each year, JPMorgan Chase
absorbs most of the cost increase. However, employees also share some of
that cost increase. As a result, employee medical payroll contributions will
increase moderately for 2016.
Just as the cost of medical coverage continues to increase each year for
employee coverage, the same holds true for spouse/domestic partner
coverage. However, spouses/domestic partners who are covered under the
JPMorgan Chase Medical Plan have medical claim costs that are on average
28% more than employees’ medical claim costs. As a result, medical payroll
contributions for covering a spouse/domestic partner will increase more
substantially for 2016. Please note: Contributions for spouse/domestic
partner coverage will also increase in 2017 as part of a three-year plan to
adjust pricing to recognize the increased costs associated with this population.
Be sure to consider all alternatives available to you for covering your spouse/
domestic partner, such as his or her employer’s medical coverage.
Understand Your Share of the
Cost of Medical Coverage
Overall, the firm pays about 75% of plan
costs, and employees on average pay the
other 25% through payroll contributions (those
who have higher levels of compensation pay
more than 25% for medical coverage and
lower-paid employees pay less than 25%).
Important: When you are enrolling in your 2016 benefits, the medical
payroll contributions (payroll deductions for Medical Plan coverage)
shown on the Benefits Web Center assume you and your covered
spouse/domestic partner have completed both a Wellness Screening
and Wellness Assessment during 2015.
Note: Employees and/or their covered spouses/domestic partners who become eligible for coverage
after October 1, 2015, have from their coverage effective date until December 31, 2016, to complete
a Wellness Screening and Wellness Assessment and earn 2016 MRA funds. They will automatically
pay the reduced medical payroll contributions for 2016.
Continued
JPMORGAN CHASE | 14
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What
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's Changing
Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits Reminders
Increased Rates for Tobacco Usage
If you identify yourself as a tobacco user for 2016, your medical tobacco user surcharge will increase from $60 to $80 per month — total $960 per
year — each for you and your covered spouse/domestic partner if he or she is also a tobacco user.
Details about Higher Rates for
Tobacco Users
All U.S. benefits-eligible employees (and their covered spouses/
domestic partners, where applicable) who use tobacco will pay
higher rates under these JPMorgan Chase benefits plans
next year:
• Medical (employee and spouse/domestic partner coverage)
• Supplemental term life insurance (employee and spouse/
domestic partner coverage)
• Long-term disability (employee coverage)
You can qualify for lower rates in these plans in 2016, while
kicking the habit, by successfully completing an approved
Tobacco Cessation Program by December 1, 2015. This
four-week program must be started no later than
November 2, 2015.
Under the JPMorgan Chase U.S. Benefits Program, a “tobacco
user” (for a plan year) is any person who has used any type of
tobacco product (e.g., cigarettes, cigars, chewing tobacco, snuff or
a pipe), regardless of the frequency or location (this includes daily,
occasionally, socially, at home only), in the 12 months preceding
January 1, 2016.
Be sure to update your and/or your covered spouse’s/domestic
partner’s non-tobacco/tobacco user status on the Benefits Web
Center during Annual Benefits Enrollment, as needed.
Please note: If you become eligible for coverage after
October 1, 2015, you will be assigned non-tobacco user rates for
2016 for your and your covered spouse’s/domestic partner’s
coverage even if you declare yourself and/or your covered
spouse/domestic partner a tobacco user, because you and/or
your covered spouse/domestic partner may not have had an
opportunity to complete a Tobacco Cessation Program to qualify
for the lower non-tobacco user rates.
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Benefits Reminders
Dental Plan Changes
Child Supplemental Term Life Insurance
We’re making these two changes to the dental plan:
As long as you are covered under the Basic Life Insurance Plan, you can
now elect child supplemental term life insurance. You or your spouse/
domestic partner do not have to be covered under the Supplemental Term
Life Insurance Plan to elect coverage for your child(ren).
• Cigna Dental Health Maintenance Organization (DHMO) participants will
move to a coinsurance plan paying a percentage of the costs similar to the
MetLife and Aetna dental plan options. For any questions, call Cigna at
1-800-790-3086. Please note: The value of the plan will remain
approximately the same.
• Dental implants will be covered under the Cigna and Aetna DHMOs to be
consistent with coverage under the MetLife Preferred Dentist Program (PDP).
Compare Your Dental Plan Options
Review the dental plan comparison charts on the Benefits Web Center to
compare your options, so you can make the best choice for 2016. Go to
My Health > Enroll now.
Continued
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Consider Your Enrollment Choices
Choices to Make Before You Enroll in Benefits
Medical Options
Review your current Medical Plan option (Option 1 or Option 2) to be
sure it continues to be the right coverage for you and your family.
Learn more about your Medical Plan options by reviewing the 2016 Medical
Plan Overview and Tip Sheets on My Health.
Decide if you want to cover your spouse/domestic partner or have
him or her explore alternative medical coverage (e.g., through his or her
employer). Medical payroll contributions will continue to rise for spouses/
domestic partners in 2016.
Decide whether your health care company (Cigna or UnitedHealthcare)
is still the right fit for you. Check out the tools, resources and wellness
programs each health care company offers, and whether your doctors are in its
network. You can access the health care company websites via My Health >
2016 Benefits Resources.
Get Your Benefits Decisions Checklist
Print an easy-to-read checklist that you can have handy as you make your
2016 benefits decisions.
Printable Checklist
Important Note About Your MRA Funds if You Change Your
Health Care Company
If you decide to change your health care company for 2016 (from Cigna
to UnitedHealthcare or vice versa) you’ll also change the company that
administers your MRA and Health Care Spending Account (HCSA). It’s
important to note that there will be a delay in transferring your 2015
unused MRA funds to your 2016 MRA at your new health care company.
This delay is designed to allow your 2015 health care company access to
2015 funds in your MRA to pay any late-year 2015 medical and
prescription drug claims that are processed in the first four months of
2016. If this causes you a financial concern, contact your 2016 health
care company, which can work to move those funds faster.
You’ll continue to access your 2015 HCSA funds through your 2015
health care company for claims related to dates of service in 2015 until
they are exhausted or March 31, 2016 (the 2015 HCSA claims filing
deadline). Any 2015 HCSA balance up to $500 will automatically transfer
to your new health care company at the same time your unused MRA
funds do.
Continued
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Benefits Reminders
Choices to Make Before You Enroll in Benefits (continued)
Paying for Health Care
Review the way you pay for health care
through your MRA and/or Health Care
Spending Account (HCSA) — through automatic
claim payment or a debit card — to determine if it’s
still the best approach for you. If you are using a
manufacturer’s coupon for your prescription drugs,
you should consider selecting the debit card. For
additional information, see the Helping You
Choose: Automatic Claim Payment vs. Debit
Card Tip Sheet on My Health for details.
Decide if you want to contribute to the Health
Care Spending Account (HCSA) for 2016. Be sure
you don’t contribute more than you need to cover
eligible out-of-pocket medical, prescription drug, dental
and vision expenses incurred in 2016.
• Health Care Spending Account (HCSA) claims
must be incurred by December 31 of each year.
After 2015 claims are processed, any money over
$500 for 2015 that’s left in your account on
March 31, 2016, the claims filing deadline, will be
forfeited, according to Internal Revenue Service
(IRS) regulations.
• Plan carefully because any MRA funds that are
remaining in your account from prior years will
carry over to next year along with any MRA funds
you may earn for 2016 by completing wellness
activities. MRA funds are used first to pay for
eligible out-of-pocket medical and prescription
drug expenses before you can use the funds in
your HCSA.
Please note: The maximum amount you can
contribute to your HCSA in 2016 is $2,550. If you
want to enroll in the HCSA for 2016, you must
make an election — your current election will not
carry over to 2016. You can enroll in the HCSA even
if you are not enrolled in the JPMorgan Chase
Medical Plan.
• Only HCSA funds are used for dental and vision
expenses; these types of expenses cannot be
paid from your MRA.
• Remember: Up to $500 in unused funds in
your 2015 Health Care Spending Account will
automatically carry over to 2016.
• Use the MRA Value Estimator tool to see how much
you may be able to accumulate in your MRA. Then
use the Health Care Spending Account Estimator to
help you plan your contributions to the HCSA for
2016. This tool will allow you to add your anticipated
carryover funds to help you determine your 2016
election. Both estimator tools are available on the
Benefits Web Center, which you can access
through My Health > Enroll now.
Don’t Forget About MRA and HCSA
Carryover Funds When Planning
Your New HCSA Election
Remember: Any unused funds from your 2015
MRA will carry over into your 2016 MRA. And
up to $500 in unused funds in your 2015
HCSA will carry over into your 2016 HCSA.
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Benefits Reminders
Choices to Make Before You Enroll in Benefits (continued)
Long-Term Disability
Consider Long-Term Disability (LTD)
coverage. If you become disabled, you may be
eligible for Short-Term Disability benefits or for
unpaid short-term disability leave for up to
26 weeks (including the one-week waiting period).
If your disability continues beyond 26 weeks, LTD
coverage can provide you with valuable income
protection you may need for you and your family.
LTD coverage also allows you to continue your
JPMorgan Chase Medical Plan and certain other
benefits coverage for up to 24 months after your
LTD benefits effective date. When you receive LTD
benefits, you can also continue participation in the
Retirement Plan. So consider LTD coverage during
Annual Benefits Enrollment to ensure you have
some financial protection if you become ill or
injured and cannot work.
Did You Know?
Just over one in four of today’s 20 year-olds will
become disabled before he or she retires. In
addition, accidents are not usually the cause of
a long-term disability — back injuries, cancer,
heart disease and other illnesses are usually
the reasons for most long-term absences.
Do you have enough money saved to last
34.6 months, which is the average length of a
long-term disability claim?† Now is the time to
enroll for coverage under the LTD Plan and
have peace of mind knowing that you have
some financial security in case you become
disabled.
†
Decide if you want additional LTD coverage.
Generally, if your Total Annual Cash Compensation is
more than $400,000, your group LTD coverage may
provide limited protection. As a result, you can
purchase additional LTD coverage through a fully
portable Individual Disability Insurance (IDI) policy
(issued by Unum) that would provide an additional
maximum monthly disability benefit of up to
$15,000. If you are newly eligible for coverage (or
previously waived coverage), you will receive a
separate IDI benefit election package in the coming
weeks. No evidence of insurability (EOI) is required
this year for employees newly eligible for this benefit
or for those who previously waived coverage. You
may contact Covala Group, our IDI benefit
administrative service provider, at 1-800-235-3551
(or 1-212-527-8025) to enroll.
Source: Council for Disability Awareness, 2015
A Word About LTD Coverage
Consider Individual Disability
Insurance (IDI)
JPMorgan Chase pays for LTD coverage for benefits-eligible employees earning less than $60,000 in
Total Annual Cash Compensation. Keep in mind that if your 2015 Total Annual Cash Compensation
was less than $60,000 and increased to $60,000 or more for 2016 (determined as of August 1, 2015),
you will need to contribute to the 2016 LTD Plan. If your 2015 Total Annual Cash Compensation was
$60,000 or more and fell to below $60,000 for 2016, you’ll be eligible for company-paid LTD for 2016.
Because EOI is not required for IDI coverage
this year, if you are newly eligible for coverage
or previously waived coverage, you may want
to consider enrolling in the plan if you are
eligible for 2016.
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Choices to Make Before You Enroll in Benefits (continued)
Other Benefits
Decide if you want to participate in the
Child/Elder Care Spending Account. Your
current election will not carry over to 2016 due to
IRS regulations. Under the Child/Elder Care
Spending Account, you set aside before-tax money
to pay for eligible day care expenses for eligible
dependents. You can contribute between $240 and
$5,000 to your Child/Elder Care Spending Account
for 2016. (IRS limits may apply for certain highly
compensated employees. In 2016, you will be
considered a “highly compensated employee” if
your 2015 W-2 compensation is $120,000 or more.
The maximum 2015 contribution amount for highly
compensated employees was limited to $2,500.
You will be notified in 2016 if you are affected by
these limits for 2016.) Remember: If you want to
enroll in the Child/Elder Care Spending
Account for 2016, you must make an election.
Decide if you have the right amount of life
insurance coverage. Did you know that 70 million
households in the United States have a life insurance
gap, that is, the amount of life insurance they need is
greater than the coverage they have?* Review your
coverage level to be sure you have enough life
insurance to protect your family financially if you die.
You can use the Life Insurance Estimator on the
Benefits Web Center to determine how much
coverage you need. You may also want to elect
Accidental Death and Dismemberment (AD&D)
Insurance, but remember that AD&D coverage pays
the full amount of your coverage to your beneficiary
only if you die as a result of an accident.
*Source: LIMRA's Insights Blog, April 2013
Review your current dental coverage to be
sure it’s still right for you, especially with the
changes to the dental plan for 2016. Changes
include the move to coinsurance for the Cigna
DHMO, and dental implants will be covered under
the Cigna and Aetna DHMOs.
Check your Group Personal Excess Liability
(GPEXL) Plan coverage amount to make sure you
have the coverage you need and to be prepared for
any gap in coverage that you may be responsible for.
The JPMorgan Chase GPEXL Plan provides eligible
employees with additional liability insurance
protection beyond what’s covered by underlying
insurance (such as homeowners, renters, etc.)
Decide if you want to elect child supplemental
term life insurance if you have basic life
insurance. You no longer have to elect supplemental
life insurance for yourself or a spouse/domestic
partner to elect coverage for your children.
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Benefits Reminders
Choices to Make Before You Enroll in Benefits (continued)
Other Benefits (continued)
Take a look at your other benefits — including
Vision and Group Legal Services — to be sure
they still meet your needs. If you’re happy with your
current elections, you don’t need to do a thing,
because they will automatically carry over, but it’s
always good to revisit them once a year, especially
because they can provide valuable coverage for you.
Check the Dependent Eligibility Requirements
to be sure the dependents you are covering
continue to be eligible. For example, if you are now
divorced or legally separated from your spouse,
you must remove him or her from your coverage
even if a court order requires you to pay for his
or her coverage. Please note: You are required
to provide documentation when you add a
new dependent to coverage. To find more details
about dependent eligibility requirements, go to
My Health > 2016 Benefits Resources.
Be Sure Your Dependents’
Information Is Correct
If you cover dependents under your
JPMorgan Chase plans, be sure their names,
addresses and Social Security numbers are
up to date. This information is important for
us to have and is required by the Affordable
Care Act.
Continued
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Benefits Reminders
Decide if You Want to Participate in the Employee Stock Purchase Plan
As an eligible JPMorgan Chase employee, you can
elect to participate in the Employee Stock Purchase
Plan (ESPP). If you are a U.S. benefits-eligible
employee hired on or before September 30, 2015,
you are eligible to enroll in the plan for 2016 during
Annual Benefits Enrollment if your Total Annual
Cash Compensation is less than $250,000. If you
don’t enroll for 2016, your next opportunity to
participate will be in 2017.
Be sure you view your current election during
Annual Benefits Enrollment and validate your payroll
deduction in January following the start of the new
offering period. Contact the accessHR Benefits
Contact Center if you have any questions.
Summary of Plan Features
Payroll deductions
Contributions are deducted on an after-tax basis from
each paycheck based on your election of up to 20%
of your eligible compensation per pay period. In
addition, contributions (including reinvested
dividends) are subject to a legal annual maximum
share purchase of $25,000 divided by the fair market
value of JPMorgan Chase common stock on the first
trading day of the year.
Purchase dates
Stock purchases take place on the last day of
March, June, September and December on which
trading in JPMorgan Chase common stock is
conducted on the New York Stock Exchange.
5% Discount and no broker fees
Your payroll deductions are used to purchase
JPMorgan Chase common stock at a 5% discount
without brokerage commissions or fees.
Dividends
Active employees participating in the plan have the
option to have dividends reinvested in the plan at
the 5% discounted rate or paid in cash. New
participants will automatically have their dividends
reinvested.
Understand the risks
Participation in the ESPP is optional and does carry
risk, including potential loss of your investment due
to market fluctuations. You decide whether or not to
participate in the plan and the level of your
participation. Before you elect to participate, carefully
read the Employee Stock Purchase Plan Prospectus
(me@jpmc > Benefits & Rewards > Employee
Stock Purchase > Tools & Resources) for
additional information on the rewards and risks
of participation.
Once enrolled
You can change the amount of your payroll deduction
at any time; however, if you change your deduction
amount to zero, it cannot be increased until you make
an enrollment election during a subsequent annual
enrollment.
Preclearance
If you are subject to the Personal Account Dealing
Policy, you are required to preclear prior to enrolling,
electing dividend reinvestment or changing
contribution amounts in the Employee Stock
Purchase Plan.
This document constitutes part of a prospectus covering
securities that have been registered under the Securities Act
of 1933.
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MRA/Wellness
What's
' Changing
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Actions
Savings Tips
Tools to Choose
Benefits Reminders
Complete a Biometric Wellness Screening and Online Wellness Assessment
Get a biometric Wellness Screening and complete an online Wellness Assessment questionnaire between January 1 and December 31, 2015 to
earn $200 in your 2016 MRA and save $500 in medical payroll contributions in 2016. If your covered spouse/domestic partner completes
both activities during 2015, you will earn another $100 in your MRA and save an additional $500 in medical payroll contributions in 2016.
Please note: Your 2016 MRA funds will be credited to your account in mid-January.
Get a free Wellness Screening at
onsite events, available at more than
100 locations or JPMorgan Chase
Health & Wellness Centers (employees
only), through a participating lab
(Quest Diagnostics or LabCorp), by
visiting your in-network doctor, or
by going to a participating Walgreens
Healthcare Clinic, Duane Reade
“DR Walk-In Medical Care” Clinic,
or CVS Minute Clinic®.
MRA Funds
Wellness
Screening
Wellness
Assessment
Savings in Medical
Payroll Contributions
Complete an online Wellness
Assessment on your health care
company’s website through
My Health. When you finish taking
the online Wellness Assessment, be
sure to print the completion page for
your records.
If You Don’t Enroll in a JPMorgan Chase
Medical Plan for 2016 … you can still earn
Wellness Rewards; however, you will not be able to
earn funds when your spouse/domestic partner
completes these activities. 2016 Wellness Rewards
will be reflected in your pay beginning in 2016.
Continued
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What's
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Actions
Choices
Savings Tips
Tools to Choose
Benefits Reminders
Actions to Take During Benefits Enrollment (October 6 – 23)
Enroll for your 2016 benefits between October 6 and October 23, 2015. Go to My Health and click
“Enroll now” to make your 2016 elections, or use the online tools on the Benefits Web Center. If you don’t
take action, your current election will automatically carry over with 2016 rates except the Health Care
Spending Account and Child/Elder Care Spending Account, which you must enroll in each year.
When enrolling in the Medical Plan, choose
whether to:
• Enroll in Option 1 or 2. You can compare costs
and plan details under each Medical Plan option.
• Enroll in Cigna or UnitedHealthcare as your health
care company. You can also search for doctors in
the health care companies’ networks.
• Cover your spouse/domestic partner and other
eligible dependents under the plan.
• Pay for eligible out-of-pocket medical and
prescription drug costs from your MRA via
automatic claim payment or debit card.
Choose whether you want to enroll in a Health
Care Spending Account or Child/Elder Care
Spending Account. You can estimate how much
you should contribute to your account(s) based on
your needs. Keep in mind that if you’re currently
enrolled in a Health Care Spending Account or
Child/Elder Care Spending Account, your current
election will not carry over to 2016.
Check Out the New Benefits
Web Center!
The new Benefits Web Center makes it easier
to find the information you need. The site
anticipates what you need based on your
profile, then presents it to you on a
streamlined home page that works just as
well on your smartphone or tablet as it does
on your laptop.
Choose whether you want to enroll in or
change your current coverage under these
plans: Dental, Vision, Long-Term Disability, Life
and Accident Insurance, Group Legal Services,
Group Personal Excess Liability Insurance or the
Employee Stock Purchase Plan.
Important note: The cost for medical
coverage reflected on the “Enroll in Your
Benefits Page” on the Benefits Web Center
assumes you have completed your Wellness
Screening and Wellness Assessment between
January 1 and December 31, 2015.
Continued
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Actions
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Benefits Reminders
Actions to Take During Benefits Enrollment (October 6 – 23) (continued)
Consider the Transportation Spending
Accounts. You can start, stop or change
participation in the Transportation Spending
Accounts at any time on a monthly basis. These
accounts can be used to pay for eligible transit/
vanpool and parking expenses related to commuting
to and from work, thereby saving you money.
Learn more about Transportation Spending
Accounts on My Rewards:
• From work: My Rewards via me@jpmc
• From home:
myrewards.jpmorganchase.com
Don't forget to update your beneficiary(ies).
The Online Beneficiary Designation site provides a
convenient way to review and update all of your
beneficiary information for your Life and Accident
Insurance Plan benefits, as well as your JPMorgan
Chase 401(k) Savings Plan and JPMorgan Chase
Retirement Plan benefits. You can access the site:
• From work: me@jpmc > Benefits & Rewards >
View or Update Beneficiaries
• From home:
beneficiary.jpmorganchase.com
Confirm your coverage, if you make new
elections for 2016:
• Online through the Benefits Web Center, you’ll
need to “Confirm” your choices to complete your
enrollment. You’ll know that your elections have
been saved when you see the “Completed
Successfully” screen. Please print a copy of this
screen, review it for accuracy, and retain it for your
records. This will serve as your confirmation of
your 2016 benefits elections. You will not receive a
paper confirmation statement in the mail.
• By calling the accessHR Benefits Contact Center,
a confirmation of your 2016 benefits elections will
be mailed to your home address. Please review it
promptly once received.
Need More Time to Make
Enrollment Decisions?
If your spouse’s/domestic partner’s enrollment
period is later than JPMorgan Chase’s, you can
contact the accessHR Benefits Contact Center
for assistance at 1-877-JPMChase
(1-877-576-2427) or 1-212-552-5100 if calling
from outside the U.S. Representatives are
available Monday through Friday, from 8 a.m.
to 7 p.m. Eastern Time, except certain U.S.
holidays.
• If there are any errors in your 2016 coverage
elections, after you review your confirmation,
contact the accessHR Benefits Contact Center
immediately.
• Have questions? Contact the accessHR
Benefits Contact Center for details.
Continued
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Benefits Reminders
Actions to Take During Benefits Enrollment (October 6 – 23) (continued)
If You Don’t Take Action
If you don’t enroll or make changes to your current coverage, in general,
you’ll automatically be enrolled in your current benefits coverage —
including the same Medical Plan option (at 2016 rates and coverage) and
the same health care company you have today, along with the same way
you have expenses paid by your Medical Reimbursement Account and/or
Health Care Spending Account (HCSA) through automatic claim payment
or debit card. However, you’ll need to enroll for the HCSA and Child/Elder
Care Spending Account if you want to contribute in 2016.
The information shown on the “Enroll in Your Benefits” screen
on the Benefits Web Center will serve as confirmation of your 2016
benefits elections — be sure to print it out and save it for your records.
Continued
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Savings
Savings Tips
Tips
Tools to Choose
Benefits Reminders
Health Care Savings Tips
Beginning January 1, 2016
Get the Most Out of Your Medical
Plan All Year Long
By being a wise consumer of health care, you can
select quality providers and save money on your
health care throughout the year.
• Start the year with a Personal Action Call to
your health care company for tips on activities
you can do to be healthy and earn MRA funds.
• Complete the “Choosing Care Wisely”
module on your health care company’s website
for tips on being a better consumer of health
care, and earn MRA funds at the same time.
Complete Additional
Wellness Activities
Complete Additional Wellness Activities between
January 1 and December 31, 2016, and earn more
MRA funds (after completing your Initial Wellness
Activities). Learn more about the Additional
Wellness Activities you can complete in the
Your 2016 MRA Funding at a Glance chart.
• Create a relationship with a primary care
physician (PCP). Your PCP knows your health
history, so when you have a health issue, your
PCP can make better decisions about your
treatment because he or she knows you. And
don’t forget that an in-network doctor’s office visit
is covered 90% with no deductible to meet.
• Receive care from in-network doctors. You’ll
pay rates that have been negotiated between
your doctor and health care company, which are
on average 50% lower than the rates you pay
when you receive care from doctors outside the
network. Plus, you receive a higher level of
benefits. Check if your doctor is in your health
care company’s network by going to My Health
to access Cigna’s or UnitedHealthcare’s website.
• Take advantage of preventive care, which is
covered 100% when you go to an in-network
provider. By receiving preventive care, you can
detect a health condition early on and begin treating
it — and earn MRA funds at the same time.
• Shop for affordable health care services by
using the cost estimator tools on your
health care company’s website. For example,
if you need an MRI, you can compare the cost of
an MRI at different facilities and choose the most
affordable option. Or you can call your health care
company to locate the highest-quality/lowest-cost
provider for your procedure or service.
Check out the new Save on Medical Costs
Tip Sheet at My Health > 2016 Benefits
Resources.
Continued
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Tools to Choose
Benefits Reminders
Beginning January 1, 2016 (continued)
• Ask your doctor where he or she plans to
perform a procedure and whether there may be
a less-expensive alternative. You can also research
in-network facilities on your health care company’s
website using the cost comparison tool.
• Consider one or more treatment options.
Call your health care company to discuss
alternatives, get help with second opinions and
finding appropriate doctors.
• Follow through on your doctor’s prescribed
course of treatment, which can lead to better
medical outcomes. That includes taking
prescribed medications.
• Use generic prescription drugs. Generic
prescription drugs cost less and have the same
effectiveness as brand-name drugs. In addition,
generic preventive prescription drugs are covered
at 100%. Go to CVS/caremark’s website through
My Health. Click “My prescription drug plan” to
see if there is a generic option available for any of
your current drug therapies.
• Consider going to an urgent care facility or
convenience care clinic rather than the
emergency room. When you go to an urgent
care facility or convenience care clinic, you pay a
lot less than the hefty fee you pay when you go to
an emergency room for a non-life-threatening
injury or illness like a sprain or the flu.
• Ask questions before you make an
appointment. Call your health care company’s
free Nurseline to speak to a registered nurse about
your symptoms to be sure you choose the
appropriate doctor to visit. Then create a list of
questions to take to your doctor’s appointment to
make sure you get the most out of your visit — the
nurse may be able to help you with that too. Your
health care company’s Nurseline is available
24 hours a day, seven days a week.
• Explore stand-alone high-technology
radiology providers, because they may be less
expensive than hospital-based providers. This
type of radiology provider is used for X-rays,
MRIs, etc.
• Use in-network nationally affiliated labs (such
as LabCorp and Quest) instead of independent
labs when you need lab work. They’ll generally
cost less. Check if the lab is in your health care
company’s network by going to My Health to
access Cigna’s or UnitedHealthcare’s website. For
example, LabCorp and Quest are national labs
with many locations. Both are in-network with
Cigna, but only LabCorp is in-network with
UnitedHealthcare.
• Participate in wellness programs during the
year. Registered nurses or health coaches from
your health care company may call you during the
year to discuss programs that can help you
manage your health and well-being. Participation
is optional, but these programs are designed to
help you make informed decisions about your
care and improve your lifestyle. So, we encourage
you to take the call.
Continued
JPMORGAN CHASE | 28
2016 Annual Benefits Enrollment
BULLETIN
Home
MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings
Savings Tips
Tips
Tools to Choose
Benefits Reminders
Beginning January 1, 2016 (continued)
Stay connected with your health care company
Use the tools they offer as you need health care throughout the year. You can
access these tools through My Health.
If You Want To…
Go to My Health
and select…
Manage your cash flow. Track your MRA and, if
elected, HCSA balance.
“My MRA balance” or
“My HCSA balance”
See how many activities you have completed and
what you have left to do to earn Wellness Funds.
“My MRA tracker”
Search for and compare doctors in your health
care company’s network.
“Doctor search”
Avoid paying more than you have to. Compare
in-network and out-of-network cost estimates for
treatment before you receive it.
“Treatment cost
estimator”
Look for generic drugs and understand the cost of
a prescription drug before you fill it.
“My prescription
drug plan”
Be sure to take advantage of websites and mobile apps that your health care
company provides to get the most out of your medical plan all year long,
including:
• Cigna’s Compass Tool, which is like your “health plan GPS” in that it
sends you personalized, actionable tips to help you track your MRA funds,
minimize out-of-pocket costs, find quality doctors and clinics, and stay
healthy with helpful tips and reminders.
• UnitedHealthcare’s Health4Me app, which provides access to your
and your family’s health information anytime and anywhere. It allows you to
find physicians near you, estimate the cost of an upcoming treatment or
procedure, and check the status of a claim or view your account balance.
Continued
JPMORGAN CHASE | 29
2016 Annual Benefits Enrollment
BULLETIN
Home
MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings Tips
Tools to
to Choose
Choose
Benefits Reminders
Tools to Help You Choose
My Health
My Health is your centralized online resource where you and your family can
go during the year, but especially during Annual Benefits Enrollment, to:
• Access the Benefits Web Center (click “Enroll now”) to compare and review
your benefits options and make any changes to your coverage.
• Connect to your health care company, Cigna or UnitedHealthcare, or check
out the other company’s website if you are considering a change.
• Check your MRA and HCSA balances.
• Get information about signing up for a Wellness Screening onsite, at a
participating lab (Quest or LabCorp), an in-network health care provider’s
office, or a convenience care clinic. You can also learn more about completing
an online Wellness Assessment through your health care company’s website.
• Find doctors and hospitals that are in-network, and their quality and cost
information.
• Check out the 2016 MRA Action Plan to understand the actions you can take
in 2016 to earn funds for your MRA.
• Get information about your prescription drug plan (administered by
CVS/caremark).
More About My Health
Check out the “Wellness and Assessment Checklist” on My Health for
steps to take to get a Wellness Screening and complete the online
Wellness Assessment questionnaire.
Access My Health from work or home:
• From work: My Health via me@jpmc
• From home: myhealth.jpmorganchase.com (also available for your
covered spouse/domestic partner)
Please note: If you access your health care company’s website from
My Health, you will not have to enter a user ID and password. However,
if you access your health care company’s site directly, or if your spouse/
domestic partner accesses the site through My Health, you or your
spouse/domestic partner will have to enter a user ID and password.
Continued
JPMORGAN CHASE | 30
2016 Annual Benefits Enrollment
BULLETIN
Home
MRA/Wellness
U.S. Enrollment: October 6–23, 2015
' Changing
What's
Choices & Actions
Savings Tips
Tools to
to Choose
Choose
How to Compare Your JPMorgan Chase Medical Plan Options
Take a look at the resources JPMorgan Chase provides to help you make the right decision about your 2016 medical coverage,
as well as compare your plan options with others that are available to you, such as your spouse’s/domestic partner’s plan:
Benefits Reminders
Check out the 2016 MRA Action
Plan to understand the actions
you can take now and those you
can take in 2016 to earn funds for
your 2016 MRA.
Resource
How to Access
What Is It?
Medical Plan
Overview
My Health > 2016 Benefits Resources
Provides a broad look at your JPMorgan Chase Medical Plan options.
Health Plan
Comparison Charts
Benefits Web Center via My Health.
Click “Enroll now.”
Provides a more-detailed comparison of your JPMorgan Chase Medical Plan options than
the Medical Plan Overview.
Summaries of
Benefits
and Coverage
Benefits Web Center via My Health.
Click “Enroll now,” then the “Health Care
& Insurance Plan” tab, then select “Plan
Information” from the drop-down menu.
Provided in a standard format, these summaries allow you to easily compare your
JPMorgan Chase Medical Plan options with your spouse's/domestic partner's or child’s
Medical Plan options that may be available through another employer.
DecisionDirect™
Benefits Web Center via My Health.
Click “Enroll now.”
After you answer a few simple questions about your health care needs and preferences,
DecisionDirect will suggest a Medical Plan option for you. It will also let you know whether
you should consider contributing to the HCSA and can help you decide whether to elect
automatic claim payment or the debit card for your MRA and/or HCSA payments.
Medical Expense
Estimator
Benefits Web Center via My Health.
Click “Enroll now.”
By using your past claims history or national estimates, you can project out-of-pocket
expenses under each of the Medical Plan options for you and your covered dependents for
2016. You can choose your Medical Plan option by comparing your estimated total annual
costs (payroll contributions plus out-of-pocket expenses) under each available option based
on the services you and your family expect to use next year.
Tip Sheets
My Health. Click on Tip Sheets under
2016 Benefits Resources.
Helps you understand your Medical Plan so you can make the most of it at Annual Benefits
Enrollment, as well as throughout the year. Covered topics include:
• Choosing your Medical Plan option and health care company
• Understanding your prescription drug coverage
• Helping you choose: automatic claim payment v. debit card
• And more
Continued
JPMORGAN CHASE | 31
2016 Annual Benefits Enrollment
BULLETIN
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MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings Tips
Tools to
to Choose
Choose
Benefits Reminders
How to Access Other Tools to Help You Choose
To help you decide if you should make other
changes for 2016, go to My Health and click
“Enroll now” to access these other Benefits Web
Center tools:
MRA Value Estimator
With the MRA Value Estimator, you can see how
much money you can get for completing certain
wellness activities in 2016. This way, you can see
up front just how much money you’ll have in your
MRA to cover your eligible out-of-pocket medical
and prescription drug costs in 2016.
Health Care Spending Account
Estimator
This tool helps you plan how much to put into your
HCSA so you can avoid contributing too much or
too little. This way, you can maximize your tax
savings while avoiding the loss of unused amounts
at year-end (i.e., amounts larger than $500).
Remember, you need to use all the money in your
MRA for eligible out-of-pocket medical and
prescription drug expenses before you can use
your HCSA for these expenses. Because dental
and vision expenses can’t be paid from the MRA,
you can start using your HCSA to pay for those
expenses as soon as the plan year begins on
January 1 or when your coverage is first effective,
whichever is later.
Don’t forget about any unused 2015 MRA funds that
will carry over into 2016 (you’ll need to use those too
before accessing your 2016 HCSA funds for medical
and prescription drug costs). And don’t forget any
remaining funds in your 2015 HCSA that will carry
over to 2016 (up to $500). The HCSA Estimator will
help you account for both of these funds.
Life Insurance and Long-Term
Disability Estimators
You can estimate your life insurance and long-term
disability needs with the Life Insurance and
Long-Term Disability Estimators to find out how
much coverage you need for an appropriate level of
protection.
Continued
JPMORGAN CHASE | 32
2016 Annual Benefits Enrollment
BULLETIN
Home
MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings Tips
Tools to Choose
Be
Benefits
nefits Rem
Reminders
inders
Benefits Reminders
Coverage Effective Dates
In most cases, coverage you elect during Annual Benefits Enrollment takes
effect January 1, 2016, and remains the same throughout the year, unless
you experience a qualified status change during the year.
Qualified status changes. Annual Benefits Enrollment is generally the only
time you can enroll in or make changes to your benefits during the year,
including your method for receiving payments from your MRA and HCSA
(automatic claim payment or debit card), unless you experience a qualified
family status change (such as marriage, divorce, or the birth or adoption of a
child) or work status change (such as an adjustment to your regularly
scheduled work hours that results in a change to your eligibility for benefits).
Any resulting coverage changes must be made within 31 days after the date of
the event. You cannot change your health care company or payment method
during the year, even if you have a qualified status change.
Expecting a Qualified Family or Work Status Change
During Annual Benefits Enrollment?
If you experience a qualified family status change (such as marriage, divorce,
the birth or adoption of a child) or a work status change (such as an adjustment
to your regularly scheduled work hours that results in a change to your eligibility
status) during Annual Benefits Enrollment, your eligibility for certain benefits
plans may be affected, and you may be temporarily unable to use the Benefits
Web Center. For more information, please contact the accessHR Benefits
Contact Center at 1-877-JPMChase (1-877-576-2427) or 1-212-552-5100 if
calling from outside the United States.
Evidence of insurability (EOI) for LTD and supplemental term life
insurance. Any LTD or life insurance election made during Annual Benefits
Enrollment will be subject to EOI — or proof of good health. Your new
coverage — and any associated contributions — will not take effect until it is
approved by the insurance carrier. Please note: If you enroll for Individual
Disability Insurance (IDI) this year, you will not be subject to EOI.
Please note: You must be actively at work on the date your new or newly
approved coverage takes effect.
Continued
JPMORGAN CHASE | 33
2016 Annual Benefits Enrollment
BULLETIN
Home
MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
What Happens When You Turn 65 or Become Eligible
for Medicare
If you continue to work at JPMorgan Chase past age 65, or if you cover a
Medicare-eligible dependent while you are an active employee, you (and
your covered dependent, if applicable) will continue to have JPMorgan Chase
coverage.
Once you retire or are disabled under our Long-Term Disability (LTD) Plan and
are eligible for Medicare, JPMorgan Chase does not sponsor health care
coverage (medical, prescription drug, dental or vision) for you or your covered
dependents once they are Medicare-eligible. Instead, these Medicare-eligible
participants have access to individual health care policies available through
OneExchange, the country’s largest private Medicare exchange. A Medicare
exchange — also known as a Medicare marketplace — enables you to shop for
and enroll in Medicare coordinating plans.
OneExchange can provide you and your covered spouse/domestic partner with:
• A variety of medical, prescription drug, dental and vision options to select
from to best meet your individual needs and budget;
• The help of licensed benefits advisors to answer your questions and review
options so you can make the best choices (based on coverage and costs)
for you and your family; and
• Ongoing assistance throughout the year to answer your questions and
provide additional information as you use your health care plans.
Savings Tips
Tools to Choose
Be
Benefits
nefits Rem
Reminders
inders
Medical Plan Post-Mastectomy Benefits
All options under the JPMorgan Chase Medical Plan cover certain breast
reconstructive benefits for eligible participants in conjunction with a
mastectomy. Coverage under the Medical Plan is available for:
• Reconstruction of the breast on which the mastectomy was performed;
• Surgery and reconstruction for the other breast to produce a symmetrical
appearance; and
• Prosthesis and treatment of physical complications for all stages of
mastectomy, including lymphedema.
This coverage is subject to the terms of the Medical Plan option in which you
participate, including relevant deductibles and coinsurance provisions. For
more information, please contact your health care company.
Newborns’ and Mothers’ Health Protection Act
In accordance with the Newborns’ and Mothers’ Health Protection Act, group
medical plans and health insurance issuers may not, under federal law, restrict
benefits for any hospital length of stay in connection with childbirth for the
mother or newborn child to less than 48 hours following a normal delivery, or
to less than 96 hours following a cesarean section. Further, the plan cannot
require that any medical provider obtain authorization from the plan or any
insurance issuer for prescribing a length of stay less than these periods.
When you retire or are on LTD and are Medicare-eligible or become
Medicare-eligible, you will receive information from OneExchange. For
questions or to learn more, call OneExchange at 1-844-448-7300 and speak
to a representative. Representatives are available Monday through Friday
between 8 a.m. and 9 p.m. Eastern Time.
Continued
JPMORGAN CHASE | 34
2016 Annual Benefits Enrollment
BULLETIN
Home
MRA/Wellness
U.S. Enrollment: October 6–23, 2015
What's
' Changing
Choices & Actions
Savings Tips
Tools to Choose
Benefits
Be nefits Rem
Reminders
inders
Questions? Contact the accessHR Benefits Contact Center
If you have questions about your benefits coverage or the enrollment process, need more time to compare a spouse’s/domestic partner’s or other family
member’s options, or if you don’t have Web access from work or home, please contact the accessHR Benefits Contact Center at 1-877-JPMChase
(1-877-576-2427) or 1-212-552-5100 if calling from outside the United States.
Quick Path
Forgot Your PIN?
Here’s how you can reach an accessHR representative:
You’ll need your PIN to access the accessHR Benefits Contact Center.
If you’ve forgotten your PIN, you can reset it yourself by calling
1-877-JPMChase (1-877-576-2427). When prompted to enter your PIN,
press “0” followed by “#,” and follow the prompts. Once the reset
process is complete, you can proceed through the telephone system.
• Enter your Standard ID or Social Security number, and press 1.
• Enter your PIN, and press 9.
The accessHR Benefits Contact Center is open Monday through Friday,
from 8 a.m. to 7 p.m. Eastern Time, except certain U.S. holidays.
This Bulletin modifies and changes Your Guide to Benefits at JPMorgan Chase and is a summary of material modification for certain plans under the JPMorgan Chase U.S. Benefits Program. It
supplements, clarifies and amends various sections of the Guide and the Summary Plan Descriptions, and should be referred to as part of this Guide and the Summary Plan Descriptions. Please
retain this information for your records.
The JPMorgan Chase U.S. Benefits Program is available to most employees on a U.S. payroll who are regularly scheduled to work 20 hours or more a week and who are employed by
JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details
contained in the applicable insurance contracts, plan documents and trust agreements. If there is any discrepancy between this information and the governing documents, the governing
documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change or terminate its benefits and plans at any time. The JPMorgan Chase U.S. Benefits
Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship at any time.
JPMORGAN CHASE | 35
Your 2016 MRA Funding at a Glance
Wellness Activity
Who Is Eligible to Complete
and Amount Earned for
Employee’s 2016 MRA
Timing and Details
Who is Eligible to Complete and Amount Earned for Employee's 2016 MRA
You
Initial Wellness Activities
Covered Spouse/
Domestic Partner
Complete both a biometric
Wellness Screening and an
online Wellness Assessment.
January 1 – December 31, 2015
Complete both a biometric
Wellness Screening and an
online Wellness Assessment.
Get a biometric Wellness
Screening.
If you had a screening at your
doctor’s office, make sure you
submit a Wellness Screening
Results Form (available on
My Health) as soon as
possible and no later than
January 31, 2016.
AND
Complete an online Wellness
Assessment questionnaire.
$200 for
$100 for
There are four ways to complete a Wellness
completing
completing
Screening:
both activities both activities 1. Onsite at many JPMorgan Chase locations —
and save $500 and save $500
either through a Wellness Screening event or
in 2016 medical in 2016 medical
at one of our Health & Wellness Centers
payroll
payroll
(employees only)
contributions
contributions
2. Doctor’s office
3. Lab (Quest or LabCorp)
4. CVS Minute Clinics, Walgreens Healthcare Clinics
and, new this year, Duane Reade “DR Walk-In
Medical Care” Clinics
$200 for completing both activities and save $500 in 2016 medical
payroll contributions
$100 for
completing
both activities
and save $500
in 2016 medical
payroll
contributions
Complete on your health care company’s website
(Cigna or UnitedHealthcare).
My Health > Wellness Assessment
Employees and their covered spouse/domestic partner who become eligible for coverage after October 1, 2015,
have from their coverage effective date until December 31, 2016, to complete Initial Wellness Activities (Wellness
Screening + Wellness Assessment) and earn 2016 MRA funds. They will automatically pay the reduced medical
payroll contributions for 2016.
Additional Wellness
Activities
Choose which activities to
complete
Choose which activities to complete
Complete up to Complete up to
four activities
three activities
(maximum of
(maximum of
$800)
$300)
January 1, 2016 – December 31, 2016
Employees and their covered spouse/domestic
partner must complete Initial Wellness Activities to
earn MRA funds for Additional Wellness Activities
they and/or their covered spouse/domestic partner
complete.
Preventive Care. Get a
physical, cervical or prostate
cancer screening,
mammogram or colonoscopy.
$200
$100
Take advantage of all the age- and genderappropriate screenings that apply to you (each are
covered at 100% in-network), but you can only
receive funds once a year for this activity.
Biometric Outcomes:
• Body Mass Index (BMI)*
under 25 or progress toward
it as defined by your health
care company
• Blood Pressure* under
140/90
$200
$100
Receive funds only once a year for each outcome
based on results from a Wellness Screening.
More Wellness Activities
*If it is unreasonably difficult due to a medical condition for you (and/or your spouse/domestic partner) to achieve the standard for the reward
under this program, contact your health care company to work with you (and, if you wish, with your doctor) on an alternative. If you did not enroll in
JPMorgan Chase medical coverage, Cigna has been designated as your health care company to administer your Wellness Rewards.
Your 2016 MRA Funding at a Glance
Wellness Activity
Who Is Eligible to Complete
and Amount Earned for
Employee’s 2016 MRA
Timing and Details
Who is Eligible to Complete and Amount Earned for Employee's 2016 MRA
You
Covered Spouse/
Domestic Partner
Personal Action Call with your
health care company to discuss
Wellness Screening and
Assessment results, understand
tools and resources available.
$200
$100
Receive funds once a year for this activity.
Health Coaching Program,
such as stress and weight
management, nutrition, maternity
support, condition management
and/or treatment decision
support.
$200
$100
Telephonic: You can participate in as many
telephonic programs as you’d like, but
employees can complete and receive funds for
up to four telephonic Health Coaching Programs,
spouses/domestic partners up to three.
Online: You can participate in as many online
programs as you’d like, but receive funds only
once a year for online programs.
Choosing Care Wisely online
program — become a good
health care purchaser using tools
and resources available on your
health care company’s website.
$200
$100
Receive funds once a year for this activity.
Participate in a Local
Community Physical Activity
event through Good Works, or
participate in a JPMorgan
Corporate Challenge.*
$200
Not
Applicable
$1,000
$400
TOTAL 2016 MRA funds
employee can earn
You can participate in as many local events as
you want, but you can only receive funds once a
year for this activity.
$1,400 if employee and covered spouse/
domestic partner complete Initial +
Additional Wellness Activities within
required time frames.
*If it is unreasonably difficult due to a medical condition for you (and/or your spouse/domestic partner) to achieve the standard for the reward
under this program, contact your health care company to work with you (and, if you wish, with your doctor) on an alternative. If you did not enroll in
JPMorgan Chase medical coverage, Cigna has been designated as your health care company to administer your Wellness Rewards.
Choices to Make Before You Enroll in Benefits:
Your Checklist
U.S. Annual Benefits Enrollment is October 6–23, 2015
Use this checklist as a guide to help you make your 2016 Annual Benefits Enrollment decisions. For more
details about these choices, go to page 17 of the Annual Benefits Enrollment Bulletin.
Medical Options
Review your current Medical Plan option
(Option 1 or Option 2) to be sure it continues to
be the right coverage for you and your family.
Decide if you want to cover your spouse/
domestic partner or have him or her explore
alternative medical coverage (e.g., through his
or her employer).
Decide whether your health care company
(Cigna or UnitedHealthcare) is still the right fit
for you.
Paying for Health Care
Review the way you pay for health care through
your Medical Reimbursement Account and/or
Health Care Spending Account (HCSA) —
automatic claim payment or debit card.
Decide if you want to contribute to the HCSA for
2016 — you must enroll each year.
Long-Term Disability
Consider Long-Term Disability (LTD) coverage.
Other Benefits
Decide if you want to participate in the
Child/Elder Care Spending Account — you
must enroll each year.
Decide if you have the right amount of life
insurance coverage.
Review your current dental coverage to be sure
it’s still right for you.
Other Benefits (continued)
Check your Group Personal Excess Liability
(GPEXL) Plan coverage amount.
Take a look at your other benefits — including
Vision and Group Legal Services — to be sure
they still meet your needs.
Check the Dependent Eligibility Requirements
to determine whom you will cover under your
benefits.
Decide if you want to participate in the
Employee Stock Purchase Plan (ESPP).
Complete Wellness Activities
Get a biometric Wellness Screening and
complete an online Wellness Assessment
questionnaire between January 1 and
December 31, 2015 to earn $200 in your 2016
MRA and save $500 in medical payroll
contributions in 2016. If your covered spouse/
domestic partner completes both activities
during 2015, you will earn another $100 in your
MRA and save an additional $500 in medical
payroll contributions in 2016. Please note:
When you are enrolling in your 2016 benefits, the
medical payroll contributions (payroll deductions
for Medical Plan coverage) shown on the
Benefits Web Center assume you and your
covered spouse/domestic partner have
completed both wellness activities during 2015.
Enroll
Make your 2016 benefits elections on the
Benefits Web Center, which you can access
through My Health > Enroll now.