2017 Benefits Annual Enrollment. Guide for Full-time Associates Eligible for Imagine Health

Transcription

1 2017 Benefits Annual Enrollment Guide for Full-time Associates Eligible for Imagine Health

2 WHEN TO ENROLL FOR 2017 ANNUAL ENROLLMENT Enroll at livetheorangelife.com anytime Nov. 2 Nov % of associates saved time last year by enrolling online. You also can enroll by calling the Benefits Choice Center at , between 8 a.m. and 6 p.m. CT, Mon. through Fri. Call volume may be heavy, so please be prepared for long wait times benefit elections will carry over to 2017 if you do not take action. Exceptions include: If covered under a Home Depot Medical Plan: You will need to evaluate your new Medical carrier, Imagine Health, Elect your Healthy Living Credit, and Complete your Tobacco-Free Certification. If you want coverage in a Health Care and/or Dependent Care Spending Account, you will need to actively enroll. Complete benefit information, including 2017 payroll deductions can be found at livetheorangelife.com. 1

3 TOP THINGS TO KNOW NEW! NEW MEDICAL CARRIER We are excited to announce that we will be partnering with Imagine Health as the primary Medical carrier in your area for If you are covered in the Medical Plan in 2016, you will automatically be enrolled in an Imagine Health option in See page 2 to learn more. RX Since the FDA no longer requires a prescription for certain heartburn and allergy medications, and they are now available over the counter, they will no longer be covered under the prescription drug plan. See page 6 to learn more. TOBACCO-FREE STATUS Don t forget to make your annual Tobacco-Free Certification. 1 Also for 2017, the Tobacco-Free definition has been updated to align with the FDA s Center for Tobacco Products definition. The Medical Plan recognizes the use of tobacco products as any of the following: Cigarettes Cigars Pipes Electronic Delivery Systems (such as e-cigarettes/vape pens) Smokeless tobacco Roll-your-own tobacco Dissolvable tobacco products NEW for 2017! If you do not certify that you are Tobacco-Free, you will automatically receive Tobacco-User Medical payroll deductions. HEALTHY LIVING CREDITS Don t forget to make your annual Healthy Living Credit election during your enrollment. To begin receiving your Healthy Living Credit in your first 2017 paycheck, you will need to complete the OrangeLife Questionnaire within 15 days of your enrollment. See page 7 to learn more. PLEASE NOTE: After the 2017 Annual Enrollment Period you will not be able to make a change unless you experience a Qualifying Life Event. This is a requirement by the Federal Government. 1 To qualify for the Tobacco-Free Medical payroll deductions, you must actively certify during your enrollment that you are at least 4 months Tobacco-Free (or have never used tobacco) and will continue to be Tobacco-Free in If you think that you are unable to meet the Tobacco- Free standards, contact the Benefits Choice Center prior to 4/1/17 at and we will work with you (and, if you wish, your doctor) to find a reasonable alternative to allow you to earn the lower payroll deductions. 1

4 INTRODUCING IMAGINE HEALTH HIGH QUALITY HEALTH CARE WITH A PERSONAL TOUCH. WORKING TOGETHER FOR BETTER HEALTH CARE + + Imagine Health is a local, personalized health care solution that focuses on you. ONLY THE BEST CARE Higher Quality = Better Outcomes Imagine Health only includes high performing doctors and hospitals in your area. IMAGINE HEALTH IS ALWAYS THERE FOR YOU 24/7/365 Personal Imagine Health concierge and mobile health services help make navigating health care easier. EXCELLENT CUSTOMER SERVICE GIVING BACK BUILDING STRONG RELATIONSHIPS CREATING SHAREHOLDER VALUE DOING THE RIGHT THING RESPECT FOR ALL PEOPLE ENTREPRE- NEURIAL SPIRIT TAKING CARE OF OUR PEOPLE 2

5 IMAGINE HEALTH S SECRET SAUCE Imagine Health evaluates an area and contracts with the highest quality doctors and hospitals. This means the network is smaller, so less choice, but BETTER HEALTH CARE. Area s Doctors & Hospitals Network Sample In-network Health Care Systems CHICAGO DALLAS - FORT WORTH Presence Northwestern Northwest Community Elmhurst Edward Lurie Children s Hospital Baylor Baylor Scott & White Lake POinte Medical Center For a complete in-network Imagine Health provider and facility listing, go to livetheorangelife.com/ih. Don t leave quality care to chance! Centennial Medical Center The Heart Hospital Children s Medical Center NOTE: This is only a sampling of in-network systems. To confirm the exact doctor or facility you are visiting is in-network go to livetheorangelife.com/ih or call the Imagine Health Concierge at

6 YOUR 2017 MEDICAL OPTIONS LEARN ABOUT YOUR CHOICES IN IF YOU WERE ENROLLED IN MEDICAL IN 2016, YOU WILL AUTOMATICALLY BE ENROLLED IN AN IMAGINE HEALTH OPTION IN 2017 THAT CORRESPONDS TO YOUR PREVIOUS LEVEL OF COVERAGE. For 2017 you will have four options to choose from with and one option with. Because Imagine Health has only included the highest quality providers and facilities in their network, we have been able to enhance the Imagine Health options. IMAGINE HEALTH ENHANCEMENTS $1,000 Lower Out-of-Pocket Maximum $0 PCP Copay (PPO options) No Inpatient Copay (PPO options) A Quick Look at the Medical Options Assumes in-network and associate-only coverage GOLD PPO SILVER PLUS PPO SILVER PLUS PPO 1 SILVER PLUS HDHP 2 BRONZE HDHP 2 Deductible $750 $1,500 $1,500 $2,000 $3,500 Medical Out-of-Pocket Maximum $4,000 $4,000 $5,000 $4,000 $5,350 Rx Out-of-Pocket Maximum $1,250 $1,250 $1,250 No separate Rx No separate Rx out-of-pocket maximum out-of-pocket maximum Total Out-of-Pocket Maximum $5,250 $5,250 $6,250 $4,000 $5,350 Primary Care Office Visit $0 copay $0 copay $35 copay Specialist Office Visit $50 30% 30% Inpatient Hospital 20% after deductible 30% after deductible 30% after deductible + $0 copay + $0 copay + $300 copay Eligible for the Healthy Living Credit? Eligible for the Health Savings Account & Company Matching Contributions? 20% after deductible 30% after deductible Your Anthem carrier network will be BlueCard PPO. 2 HDHP refers to High Deductible Health Plan. 4

7 IMAGINE HEALTH FREQUENTLY ASKED QUESTIONS FOR 2017 ANNUAL ENROLLMENT. Who is eligible for the Imagine Health Medical Plan options? The Imagine Health Medical Plan options will be offered to those who live in certain ZIP codes located in Chicago, IL and Dallas-Fort Worth, TX. How do I find in-network Imagine Health providers? To find in-network doctors and facilities, go to livetheorangelife.com/ih or call an Imagine Health Concierge at Imagine Health Concierges are available between 8 a.m. and 6 p.m. CT, Mon. through Fri. What happens if I am traveling outside of the Chicago or Dallas-Fort Worth areas and need care? EMERGENCY CARE Any hospital ER for emergency care will be considered in-network, regardless of where you are in the United States. MINOR ILLNESSES If you are outside the Chicago or Dallas-Fort Worth area and need to seek care, you can use the provider look up tool at livetheorangelife.com/ih or call an Imagine Health Concierge at to find the nearest walk-in clinic or urgent care clinic that is in-network. ALSO REMEMBER... You have 24/7 Care available that provides quick access to nationwide board certified medical expertise from the comfort of your home or hotel room. Visit livetheorangelife.com/247care to learn more. 5 I am currently in treatment for a condition or pregnant, and my doctor is not in the Imagine Health network. What should I do? You may be eligible for Transition of Care coverage. Call an Imagine Health Concierge at For more information see the Transition of Care section on livetheorangelife.com/ih. What are the benefits of enrolling in an Imagine Health Medical Plan option? Takes the guess work out of finding high quality care. Lower out-of-pocket cost. Access to a personal Imagine Health Concierge. Easy to navigate mobile tools. What If I don t want to enroll in an Imagine Health Medical Plan option? If you do not want to enroll in an Imagine Health option, but want to continue Medical Plan coverage through The Home Depot, you will need to actively enroll in the Anthem Silver Plus PPO option during your enrollment period. Please Note: After the 2017 Annual Enrollment Period you will not be able to make a change unless you experience a Qualifying Life Event. This is a requirement by the Federal Government. COVERING A DEPENDENT THAT DOES NOT LIVE IN THE CHICAGO OR DALLAS-FORT WORTH AREA? YOU MAY WANT TO CONSIDER ENROLLING IN THE ANTHEM MEDICAL OPTION, TO ALLOW YOUR DEPENDENTS TO RECEIVE IN-NETWORK ROUTINE CARE OUTSIDE THE CHICAGO OR DALLAS-FORT WORTH AREA.

8 RX INCLUDED IN YOUR MEDICAL PLAN. IF YOU ENROLL IN AN IMAGINE HEALTH OR ANTHEM OPTION, YOUR RX COVERAGE WILL BE THROUGH CVS/CAREMARK. In-network Pharmacies The prescription drug benefit will continue to be administered by CVS/caremark. You will pay less for prescriptions you have filled at in-network pharmacies, which include: RX TOOL Find an in-network pharmacy and check the list of covered prescription drugs. caremark.com/homedepot HEARTBURN & ALLERGY MEDICATIONS Heartburn and allergy medications available over the counter will no longer be covered under the Rx Plan. Use the Rx tool to check to see if your drug is covered in caremark.com/homedepot A Quick Look at Rx In-network pharmacy and associate only coverage Rx Out-of-Pocket Maximum GOLD PPO SILVER PLUS PPO SILVER PLUS PPO SILVER PLUS HDHP BRONZE HDHP $1,250 individual $1,250 individual $1,250 individual No separate Rx out-of-pocket maximum No separate Rx out-of-pocket maximum Generic You pay 20%; $20 maximum Preferred Brand You pay 20%; $100 maximum You pay 20%; $20 maximum You pay 20%; $100 maximum You pay 20%; $20 maximum You pay 20%; $100 maximum 20% after deductible 1 30% after deductible 1 Non-preferred Brand You pay 60%; $300 maximum You pay 60%; $300 maximum You pay 60%; $300 maximum 40% after deductible 1 65% after deductible 1 1 Deductible does not apply for eligible preventive care prescriptions. 6

9 HEALTHY LIVING CREDIT PERSONALIZED ACTION STEPS FOR BETTER HEALTH IN THE $25 BIWEEKLY CREDIT IS AVAILABLE TO ASSOCIATES AND SPOUSES ENROLLED IN A GOLD OR SILVER PLUS HOME DEPOT MEDICAL PLAN. STEP1 Take the Questionnaire STEP2 Know your Numbers STEP3 Take Action Elect the Healthy Living Credit during your enrollment session. Then complete the short online OrangeLife Questionnaire within 15 days of your enrollment to receive your $25 biweekly credit as of Jan. 1. The link to the Questionnaire will be available after you complete your enrollment. Participate in the Hidden Health Risk Screening by Feb. 3 to continue earning your Credit. You ll receive a Healthy Living Checklist with action items personalized to you. Complete two items by the deadlines to continue your Credit. COVERING YOUR SPOUSE? If your spouse will be covered under a 2017 Home Depot Medical plan, he/she will receive information about earning the Healthy Living Credit and it will be available at livetheorangelife.com. As a Credit participant, your spouse will need to create his or her own account at livetheorangelife.com. If your physician believes that participating in the Screening or completing the Checklist items is medically inappropriate in your particular situation, you can complete a Physician Waiver Form. A physician s signature is required, and the form is available at livetheorangelife.com > Health & Wellness > Healthy Living or by calling the Benefits Choice Center at Participation in the Healthy Living Credit steps is completely voluntary. Choosing not to participate will only result in individuals not receiving the Credit. 7

10 MORE VALUABLE BENEFITS DURING YOUR ENROLLMENT SESSION, TAKE A LOOK AT THESE BENEFITS. 24/7 Care Quick affordable health care, anytime, anywhere. Medical Payment Plan Pays a cash benefit to you if you have an inpatient hospital stay. Dental Free dental check-ups and discounted care. Vision Free vision exams and discounts on frames and lenses. Critical Illness Protection Plan Pays a cash benefit for certain medical conditions and wellness services. Spending Accounts Save on eligible health care and dependent care expenses. GET INTO THE GAME! Get into the game the first Tuesday of every month to learn more about your benefits and be entered to win a $100 cash prize. Get more information at livetheorangelife.com/gameday. 8 Life Insurance Basic, Supplemental and Dependent Life Insurance options. Disability Short-term and Long-term Disability coverage options. Accidental Death & Dismemberment (AD&D) Associate-only and family AD&D options. MetLaw Legal Services Includes services such as wills for FREE. FutureBuilder 401(k) Savings Plan Lower your tax bill today while saving for tomorrow. Employee Stock Purchase Plan The Home Depot stock will be purchased for you at a 15% discount. FOR MORE INFORMATION ABOUT OTHER VALUABLE BENEFITS, GO TO LIVETHEORANGELIFE.COM/ADVANTAGE

11 BIWEEKLY PAYROLL DEDUCTIONS Payroll deductions for all other benefits will be available during your enrollment session. MEDICAL & RX (TOBACCO-FREE) 1 Imagine Health Gold PPO $ $ $ $ Imagine Health Silver Plus PPO $90.25 $ $ $ Anthem Silver Plus PPO $94.25 $ $ $ Imagine Health Silver Plus High Deductible Health Plan (HDHP) $85.25 $ $ $ Imagine Health Bronze HDHP 2 $44.25 $ $ $ /7 CARE FOR MEDICAL ENROLLEES ONLY Doctor On Demand $0 $0 $0 $0 Teladoc $0 $0 $0 $0 HEALTHY LIVING CREDIT Healthy Living Credit 3 $25 $50 $25 $50 MEDICAL PAYMENT PLAN 4 Hospital Only $6.69 $13.38 $10.94 $19.44 DENTAL MetLife $500 Max $6.19 $12.38 $12.54 $18.80 MetLife $1,000 Max $12.91 $25.81 $26.13 $39.20 MetLife $2,000 Max $16.00 $32.01 $32.40 $48.60 VISION EyeMed Select $120 $2.19 $3.83 $3.96 $6.64 EyeMed Select $150 $8.04 $14.39 $15.08 $23.67 HEALTH SAVINGS ACCOUNT (HSA) HDHP participants can get Company matching contributions You can contribute up to this maximum amount annually to your HSA 5 $3,200 $6,350 The Home Depot will match your HSA contribution up to: $200 $400 SPENDING ACCOUNTS Health Care Spending Account Dependent Day Care Spending Account ASSOCIATE ONLY ASSOCIATE + SPOUSE ASSOCIATE + CHILD(REN) You can contribute $260 $2,550 annually You can contribute $260 $5,000 annually ASSOCIATE + FAMILY 1 These are the Tobacco-Free payroll deductions available to associates and spouses who actively certify that they are Tobacco-Free or complete the reasonable alternative. To find the Tobacco-User payroll deductions (which are on average 15% higher), visit livetheorangelife.com. Associates covering three or more children will pay an additional $25 per biweekly pay period. 2 The Bronze HDHP option is not eligible for the Healthy Living Credit. 3 To receive the Healthy Living Credit, associate/spouse must be covered under an eligible Home Depot Medical plan and complete the credit steps. 4 The Medical Payment Plan is NOT a traditional medical plan but will provide some limited assistance with hospitalization costs. 5 You can contribute an additional $1,000 if you are age 55 or older. 9 For weekly payroll deductions, take the biweekly payroll deductions and divide by 2. In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of the premium above your paycheck is still owed and will be collected from your future paychecks.

12 The Benefits Department The Home Depot 2455 Paces Ferry Road, C-18 Atlanta, GA PRSRT FIRST CLASS US POSTAGE PAID PERMIT NO ATLANTA, GA Important! Information about your 2017 benefits inside! NO HABLA O LEE INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. This guide is for full-time associates living in an Imagine Health area. Guides for other areas are available at livetheorangelife.com. The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, is posted online at livetheorangelife.com. A paper copy is available through the Benefits Choice Center at The benefits information in this Annual Enrollment Guide is provided as a service to associates. In the event of a conflict between the information provided in the Annual Enrollment Guide, Benefits Summary and other plan documents or policies, the plan documents or policies will govern. Although The Home Depot established its benefit plans with the intention that they may be maintained indefinitely, the plans may be amended, terminated or discontinued at any time. The Benefits Summary is available at livetheorangelife.com. The FutureBuilder Summary Annual Reports have been posted to livetheorangelife.com under Learn & Enroll. The Health and Welfare Plans Summary Annual Reports will be posted to livetheorangelife.com under Learn & Enroll in early The annual Medicare Part D notice has also been posted to livetheorangelife.com under Learn & Enroll and a paper copy can be requested by calling the Benefits Choice Center at _AE IMAGINE