2017 Benefits and Open Enrollment Frequently Asked Questions and Answers section headers for questions on a particular topic.

Transcription

1 2017 Benefits and Open Enrollment Frequently Asked Questions and Answers Please refer to the gray section headers for questions on a particular topic. Active Enrollment Q: What is active enrollment? A: It means that this year, you are required to take action and actively elect benefits otherwise you will be automatically enrolled into the Bronze Plan with Associate Only coverage with the Tobacco surcharge. Q: What happens if I do not participate in the on line open enrollment? A: If you are currently enrolled in one of the medical plans and you do not take action during the open enrollment, you will be automatically enrolled into the Bronze Plan with Associate Only coverage with the Tobacco surcharge. If you want to select another plan and wish to have your eligible dependents covered, you must participate in the online open enrollment. You will also not have any contribution into the Health Savings Account (HSA) or the Flexiblee Spending Account (FSA), as the IRS requires annual elections for these account. Employee Cost Changes and Billing for 2016 Services Q: Why are the associate contributions increasing? A: Unfortunately the cost of medical care and prescription drug coverage continues to increase at a rate much higher than the cost of living. Tech Mahindra does try and minimize any employee contribution changes as much possible through plan design and cost management strategies but given the high cost of care we do need employees to contribute more than last year. Q: Are we paying more than others (when compared to market)? A: On average Tech Mahindra costs for benefits are less than what other companies charge. Our costs are significantly less for the Bronze plan than similar coverage with other companies. Q: For Tech Mahindra employees who is going to pay health insurance until December 31, UHC or Aetna? A: UHC and Guardian will continue to consider all services incurred through 12/ /31/2016. Beginning 1/1/2017, Aetna will be the medical carrier; Delta will be the dental carrier. 1

2 Q: If I had a bill that came in for year 2016 whom should I contact for clarification? A: You contact the provider that billed you and if covered under medical you would contact UnitedHealthcare (UHC) or for dental you would contact Guardian. Q: I have a 1600 bill, which I was paying from out of pocket as deduction. However, I have set it up as monthly payment spanning across next year. Will the amount I pay in 2017 be counted towards deduction for 2017? A: No. Health Savings Account (HSA) and Limited Purpose Flexible Spending Account (FSA) Q: Can we update how much we want to contribute to HSA account per pay any time? A: Yes, the HSA does permit changes during the year, and you would contact the benefit call center to make those arrangements.. Q: Can I use HSA card to purchase over-the-counter medicines? A: Only if you have a prescription from your physician for the purchase, then yes, over the counter purchases are eligible. Q: Why can t we have HSA on the Gold plan? A: It is important to note that you do have access to the Dependent Care FSA and Limited Purpose Health Care FSA plan regardless of what medical plan you select. The IRS requires that Health Savings Accounts can only be offered with a qualified High Deductible Health Plan (HDHP). The decision was made to offer the Limited Purpose Health Care FSA to cover Dental and Vision expenses only for members enrolled in this plan recognizing that the plans will have more costs out of pocket than what is covered under the Gold plan. Q: Who is eligible to establish an HSA? A: You are eligible to open an HSA provided you have met the following criteria: Must be enrolled in a qualified HDHP (such as the Silver or Bronze Plans) and not be covered by another health plan that is considered disqualifying coverage. This includes the non-hdhp plan through another employer or that of a spouse s employer. Must not be enrolled in a general purpose health flexible spending account or medical reimbursement account through your own employer or as a dependent through a spouse s employer plan. Must not be listed as a dependent on another person s tax return Must not be eligible and enrolled in a Medicare plan. This includes Medicare Part A, Part B, and/or Part D. Must not be enrolled in Medicaid or TRICARE. 2

3 Q: I have HSA account from current the provider - Optum Bank. What happens to this HSA account and the amount in this account? Can I use this amount for paying any medical requirements in 2017? A: For those who have current HSA accounts with Optum, you have 2 options. You can either close that account and transfer any Optum funds to PayFlex. If you choose this option, PayFlex will send you instructions on how to complete the transfer process. Your other option is to continue to have the Optum account, but with this option, any ongoing bank administration costs will become your responsibility. The choice is yours. If you no longer are enrolled in a qualifying High Deductible Health Plan (HDHP), you can't add money to the account, but you can still make withdrawals. Q: What is the minimum amount needed to save each month in HSA? A: There is no minimum, but in order for the plan to have valuable tax advantages, you would want your contribution to be meaningful. The Obeo Health Decision Support Tool may help you make this decision. Q: Does HSA cover vision and dental claims? A: Yes, HSA funds can be used for dental and/or vision copays or deductibles. Q: Can I get enrolled in both HSA and FSA accounts, and are HSA and FSA tax-free accounts? A: The IRS set rules on how the FSA and HSA can be offered together. If you contribute to an HSA, you are not eligible to also contribute to a general health care flexible spending account (FSA). You do, however, have the option of contributing to what s known as a limited purpose health care FSA. With a limited purpose health care FSA you can contribute up to $2,600 per calendar year and use the contributions to reimburse eligible vision and dental expenses only. By using your limited purpose health care FSA for eligible expenses, you can save your HSA funds for the future. HSA and FSA are pre-tax accounts that help save you money on eligible expenses. Q: If I do not enroll for an HSA pay all medical expenses on my own is that amount tax deductible at the end of the year? A: If you are enrolled in either the Silver or Bronze medical plans you have the option to also enroll in an HSA account, but it is not required. If you do not enroll in the HSA account, any amounts that you pay for health care services could be tax deductible, but you would need to consult with a tax professional to be certain. Q: What will happen to my HSA if I leave the U.S. and return to India where I cannot use my HSA to pay for my medical bills? A: If you are going back to India, we will assume that you are no longer covered under the Tech Mahindra US Benefits program. The funds in your HSA are yours to use for IRS eligible health care expenses either now or for the future. Q: How do I cancel my Healthcare and Dependent Care FSAs from 2016 so I don t have them in 2017? 3

4 A: These accounts will only become active for 2017 if you elect them. If you do not actively elect them during the online enrollment website, they will not exist for you in Elections for the 2016 plan year (which ends at the end of this month) will NOT carry to If you elect FSAs during open enrollment December 13 through 27, only then will you have them for Q: For FSA dependent care, is childcare service like preschool eligible even? If yes then how much is the limit one can deposit to FSA dependent care? A: The Dependent Care FSA plan does cover pre-school expenses so long as the care is not school such as kindergarten. The IRS limit is differs depending upon your tax filing status. If you are single or married and filing a joint income tax return, you may fund your Dependent Care FSA each year with up to $5,000 deducted from your pay on a pre-tax basis. If you are married and filing an individual tax return, you may direct up to $2,500 into a Dependent Care FSA each year. Q: Who is the vendor for the FSA account? When do we get our debit cards after choosing the option? A: MarketLink is the vendor for the Flexible Spending Accounts Limited Purpose and Dependent FSAs. If you are newly participating in the Limited Purpose Health Care FSA program, in the coming weeks, after Open Enrollment closes, you will receive two (2) FSA Debit Cards in your name. These cards may be used by your spouse, as long as he/she signs their name to the back of the card. Cards expire three (3) years after their date of issue, so if you are currently participating and will enroll in the coverage again for 2017, keep your card. The new election amount will be replenished on this same card. Q: How Much Should I Contribute to my Limited FSA? A: Participating in a Limited Purpose Health Care FSA does require careful planning; however the benefits pay off in the long run. You need to carefully estimate your dental and vision expenses for the upcoming year in order to determine how much to contribute to the account. Remember this account is a use-it-or-lose-it account. This means you must incur the expense during the 2017 plan year and seek claims reimbursement from the FSA account within 90-days of the end of the plan year, or by March 31, The Obeo Decision Support Tool can also help with your contribution decision. Q: How Do I Use My FSA Debit Card? A: Your FSA Debit Card makes spending flex dollars easy. As long as a dental, vision or dependent care merchant or service provider accepts Visa, there s no need to pay cash up front for eligible expenses and then wait for reimbursement. Your FSA debit card works similarly to other debit cards, but accesses the deposited Health/Dependent Care FSA contributions to pay for eligible expenses. When using the debit card, you will automatically pay for qualified health/dependent care expenses each time you swipe your card. If you participate in the Limited Health Care FSA program, in the coming weeks you will receive two (2) FSA Debit Cards in your name. These cards may be used by your spouse, as long as he/she signs their name to the back of the card. Cards expire three (3) years after their date of issue. Q: Can I pay my gym membership fees using HSA/FSA card? 4

5 A: No, but Aetna does offer discounts on gym memberships are available through Aetna s GlobalFit network. There are over 10,000 gyms in to choose from and you can find more details on Decision Support (OBEO) and Choosing My Plan Q: What is OBEO? A: OBEO is an online decision support tool that will help you compare plan designs and benefits to help you decide which plan is best for you and your family. Q: Is the OBEO Decision Support Tool helpful in choosing a right plan? A: Yes, the tool can help you plan your health care costs. It can personalize your options which takes into consideration the doctors your visit, the health services you seek and medication that you use. Your actual costs could vary but the tool should help you understand based on prior costs and preferences which plan may be the best fit. Q: If we are going to be expecting a new baby in the following year is there a suggested plan? The OBEO decision support tool should be able to help you work through those questions. Q: Will there be any login credentials provided for OBEO tool or we have to register and check? Yes, you will access the Obeo Health website directly from the MarketLink enrollment site. Once you click the Compare My Plans button, the signal sign on process will direct you to Obeo s terms and conditions page. When the terms and conditions are accepted you can start using the tool. Covered Service Changes and Planned Procedures Under the New Coverage Q: Are all plans are available in all states? A: The Aetna plans are available in all U.S states. Q: We are no longer with UHC for 2017? A: Correct, the medical insurance will change to Aetna beginning January 1, 2017 Q: Is there a mandatory health screening that the associates have to go through? A: No, there is no mandatory health screening, but routine preventive care is recommended and also covered at 100%. Q: Are EMS services covered 100% by health insurance? 5

6 A: No. Please refer to the plan details that will appear in your benefit newsletter and in the Summary Plan Description on the enrollment platform for these specific details and as the coverage will vary among the three medical plans offered. Q: Is preventive care included in all 3 plans? A: Yes. Q: Will services be covered the same way under Aetna for medical and Delta for dental? A: For 1/1/2017, very little is changing about the medical and dental plans, but there are changes. You should become familiar with the Newsletter, Open Enrollment Presentation and the various messages sent throughout the Open Enrollment period, which explain the changes in great detail. We also want to point out that Aetna s Medical Policy will be different than UHC s Medical Policy. This means that there could be different requirements or coverage levels based on your condition so you should expect that there will be differences and Aetna can help you understand their medical policy and benefits by calling the number of the back of your ID card. Q: I have Medicare Hospital (PART A) Benefit Only. How does this impact my enrollment and my Aetna coverage? A: As long as you are a current, active employee with Tech Mahindra and meet their benefit eligibility requirements, your Tech Mahindra coverage will be your primary insurance coverage, before Medicare would apply. Q: This is still a PPO and we can go to a doctor of our choice - correct? A. Yes, all the plans, medical, dental and vision are all Preferred Provider Organization plans (PPO). Q: We do need any referral to choose a doctor of our choice - correct? No referrals are needed for the plans, but an in-network provider is your best and most cost effective option. Providers who are not part of the insurance carrier s network are permitted to balance bill for the amounts in excess of what is allowed by the plan. Q: Does Gold plan this year pay 85% for blood tests like UHC? A: The gold plan continues to cover laboratory services at 85% meaning your responsibility is 15%, after your deductible is met. Q: Is the Silver and Bronze Family coverage for only 2 dependents, or more than 2 dependents? A: Family coverage does not limit the number of eligible dependents you can add to the plans. Q: With UHC, in Silver plan -- UHC is giving some network discount whenever we visit any doctor within n/w. Is same n/w discount there in new Aetna Silver & Bronze plan? Is there any difference in network discounts in both plans? 6

7 A: Using in-network doctors and hospitals is the best way to control your costs. The Aetna network is the same for all three plans Tech Mahindra is offering, what will vary is what you pay for a doctor's visit or hospitalization as an example based on the plan design. Q: What are preventive and non- preventive care? A: On the MarketLink enrollment website and also on Aetna s website you can find a full list of covered preventive services. Q: Is a post- partum visit treated as preventive care? A: It is not part of preventive care, but is part of maternity related services. Q: My child has an ongoing medical need, where she is required to visit the doctor every 3 to 4 months to review her care, is that considered preventative? A: Not likely, but this is something that will be required to be addressed by the provider and Aetna. Q: What is the annual health Checkup coverage for adults and children under 4 years? A: There will be a preventive care schedule for Aetna on the MarketLink website and also on Aetna Navigator. This will best answer your question. Q: How many people can be covered by the Associate + Family coverage? A: Any eligible dependents. Q: Do we have Vision and Dental as well? A: Yes. In order to choose the plans the bests fits your needs, you must participate in the open enrollment period by actively electing these benefits in the MarketLink enrollment site. Q: I have surgery planned for early January. Do I need to do anything to insure coverage is in place since we are switching from UHC to Aetna? A: Yes, you should let your doctor (and the doctor s office) know that your coverage is changing as of 1/1/2017. If you are using an Aetna in-network provider they should handle (or work with you to handle) any pre-certifications or prior authorizations. If you have specific concerns you can contact Aetna to discuss your options. Pharmacy Q: Is Pharmacy included in our coverage? A: Yes, Pharmacy is automatically included with your medical election. Q: Can you help us understand the Medicare Drug Plan? A: The Medicare Drug Plan does not apply to these coverages. If you are referencing the pharmacy plan included with Tech Mahindra medical coverage that information can be found on the enrollment platform as well as the Newsletter. 7

8 Q: If medication is free, do we also then need to submit new card to retailer? A: Medication is not free. You need to be enrolled in a medical plan and that plan prescription benefits will apply. You should provide your new Aetna ID card to the pharmacy for purchases after January 1 st. Voluntary Benefits Q: If we opt for voluntary plans, do we get tax benefits? A: Yes, the voluntary plans are offered on a pre-tax basis. In addition with the HSA, it allows you to use pre-tax dollars to pay for eligible medical expenses. Additionally, you can earn tax-free interest on your contributions and you are not taxed when you use money to pay for eligible expenses. That adds up to a triple tax advantage! Q: Does Voluntary hospital indemnity insurance covers pregnancy related hospitalization charges? A: Yes. Here is a sample of the Hospital Indemnity coverage details: Plan Description Hospital Indemnity Benefit Hospital Admission $1,500 Daily Hospital Confinement Emergency Room Treatment Ambulance Transport Wellness Benefit $100/day, to a max of 15 days/calendar year Accident only: $150 per insured/calendar year $100 per trip/calendar year $50/calendar year Deductibles, Copays, and Out of Pocket Maximum Q: What is difference between "Plan Year Deductible" and "Out-of-Pocket Maximum"? A: The plan year deductible is an amount that must be met before the insurance begins to reimburse services. The out of pocket maximum is the combination of the amount paid towards deductible, copay and coinsurance. Consider the out of pocket maximum the most you will pay for covered services in a plan year. Q: How will the copays we pay be tracked? Will the system know the copay we pay for different types of visits, such as doctor s office vs. hospital visits? A: Aetna will keep track of your plan usage, and so should you. Once your deductible, copays and coinsurance amounts reach the total out of pocket maximum for your plan, then benefits will be paid at 100% for the remainder of the year. Q: Do we need to make upfront payment of deductable even in case of opting for Gold plan? 8

9 No, you cannot pay the deductible amount upfront. Deductibles are applied as claims are incurred. Q: Also, do you have out-of-network deductibles? A: Yes, please refer to the Newsletter for the out-of-network plan details including deductible amounts. Q: The deductable is not applied for in-network hospitals correct? A: No that is not correct. The deductible applies to all hospital expenses for all plans. Q: In the Gold Plan - Do associates have to keep paying copays even after Out of Pocket Max is met? A: No, once a member s maximum out-of-pocket is met, covered services are paid for full for the balance of the year. Q: Once Out-of-Pocket Maximum is met, all costs including prescription drugs are covered at a 100% - correct? A: Yes. Eligible Dependents and Covering Dependents Q: What is an eligible dependent? A: An eligible dependent is your legal spouse and dependent children. Refer to the Newsletter for full dependent children details. Q: For childbirth, we can add within 31 days but can we get insurance coverage for child before add into insurance coverage within 31 days? A: Yes, the child will be covered on your plan with your insurance card for those first 31 days though we recommending adding the child as soon as possible within those 31 days. If you do not enroll the child within 31 days you will miss your opportunity and must wait until the next open enrollment for Q: My child is a full-time student and just turned 25. Will she continue to be covered under my health insurance? A: Dependent children are eligible to be covered under your plan until they reach age 26. Q: Can we add dependents to start with and then in between they leave on vacation of 3-4 months, remove them and then add them again once they are back from vacation?[ A: You can only add/remove dependents if you experience a qualified life event. Leaving or returning from vacation is not a life event. If you need to have coverage for your current U.S.- residing dependents they should be added to coverage during this open enrollment. Q: Can I add my parents to the plan when they come to U.S. just for a visit? 9

10 A: No, parents are not considered eligible dependents and you can only add eligible dependents to a plan if you experience a qualified life event. Q: If family travels abroad for temporary period, can I change/take off their coverage? A: Not unless you experience a qualified life event. Q: Can we add dependent /family after my enrollment for 2017? A: Yes, but only if you experience a qualified life event. Q: Can I add my dad if he visits me from India? A: Unfortunately no, he would not meet the definition of an eligible dependent. Eligible dependents include your spouse and dependent children. Refer to the Newsletter for full details. Q: My dependent will be arriving in the USA in Feb When will they be eligible to enroll for 2017? A: Let's use the example that your dependent arrives February 1. Beginning February 1, you will have 31 days from their arrival date, to enroll that dependent on the enrollment website. Status Changes or Qualified Life Events Q: If there is a change in status or an enrollment change, do I need to enroll two times? A: If you experience a qualified life event you will be permitted to make changes to your elections during the plan year so long as you complete within 31 days. Examples are birth or adoption, marriage, etc. Q: Can a treatment be covered for a child about to be born in February 2017, under the Gold plan for Employee+Spouse or we have to choose other specific plan? A: The birth of a child is considered a qualified life event so you will be able to change your coverage from Employee+Spouse to Family coverage within 31 days of the birth of that child if you desire to do so. Network Physicians, Hospitals, Specialist/Other Providers Q: What if my doctor is in-network under United Health Care and not under Aetna? A: Aetna has a very large provider network, but that does not guarantee every provider will be part of their network. All of the Tech Mahindra plans have both in-network and out-of-network coverage. Although, the most cost effective option would be to choose an in-network provider. Q: Will there be any difference in network hospitals being offered by Aetna in the plan year A: Aetna s is one of the largest U.S. health insurers with one of the large provider networks too. The providers you currently see are likely on the Aetna provider listed as well, but to be certain, you can visit Aetna s website and check your provider details. We do encourage you to confirm 10

11 the hospitals and providers you visit are part of the network during the year as well because contract negotiations are ongoing throughout the year. If you need help choosing a network hospital or facility, beginning December 13th you can contact Aetna Member Services (800) M-F, 8am-6pm CST. Or you can use their website, after you register, the Aetna Navigator you can help you find innetwork doctors, hospitals and other providers. Click here for a demo of Aetna Navigator: Note: You will need your Member ID number and/or your social security number to register. Q: What does specialist mean? A: Specialist would be any medical specialist other than your Primary Care Physician. For example, if your Primary Care Physician were to suggest that you see an Orthopedist or Podiatrist, or Dermatologist; those medical professionals may be considered as a "specialist". Q: How we will know before where we are using general or specialist doctor for treatment? A: Generally, you will be able to think of a specialist as someone other than your primary care physician, and in many cases, another medical professional that your primary care physician would recommend that you see, such as a dermatologist. Q: There are some doctors and specialists who continue to collect a copay even when the deductible is met? A: If you are speaking about the Gold plan because this is the only plan which has copays for doctor s visits, then yes it is possible that you will continue to have copays until your total out of pocket maximum is met. Dental Q: Question - If I have a out of network Dental Claim, should I get the claim processed with the existing service provider or wait to switch to new service provider and then file the claim? If you recommend filing the claim with old current service provider then what happens when I switch, will that cause problems in claim processing? A: Any service incurred prior to January 1, 2017 needs to be submitted with the current dental provider, Guardian. Only future services incurred after January 1, 2017, would be covered by Delta. Q: If someone started orthodontia treatment recently in 2016 and not used complete eligibility amount, can the balance be allowed to claim through Delta? A: Yes, the amount already allowed by Guardian will be reduced from your total lifetime benefit when submitted to Delta. Q: Do I need to take dental plan for my 4 year old or will it be covered in medical plan? 11

12 A: There is no dental protection in the medical plan, so you would need to enroll the child in your dental coverage. Q: My spouse's dental implant started during 2016 through Guardian will Delta Dental cover the remaining part treatment during 2017? A: Every year dental coverage is available up to the annual maximum. For example if you were to choose the standard plan, each person has a certain benefit available during the 2017 plan year. For this type of specific question, we would recommend your dentist reaching out to Delta Dental to ensure any requirements are met so they can confirm the available benefit. Spousal Surcharge Q: I'm not clear of the concept 'Spousal Surcharge' as it is newly introduced. Who will have to pay and who are excluded? A: The spousal surcharge means that if you are married, and your spouse is employed and your spouse's employer offers medical coverage to your spouse--then if your spouse chooses to be covered on our plans...you (our employee) will pay a "spousal surcharge" for covering your spouse on our plans. If your spouse is NOT employed outside the home, or is NOT eligible for benefits at his/her employer--then you would NOT have to pay the surcharge if you are covering your spouse on our plans. Q: What are the rules for the spousal surcharge? A: If your spouse is not employed, or is not offered medical coverage by their employer, there is no surcharge. If your spouse receives coverage from their employer and will not be on our plan, there is no surcharge. If you as an Associate choose employee+dependent child only coverage, there is no surcharge. Q: Does the spousal surcharge apply, if the spouse though employed but not enrolled with her employer s plan? A: If your spouse is employed and has medical insurance available through your spouse s employer but still decides to be covered as a dependent under your medical insurance, then yes, the spousal surcharge will apply. Q: If the dependent is working but no health insurance option from their company, then do we need to pay surcharge? A: For purposes of this question, we assume you mean your dependent spouse. If your dependent spouse is working and also has employer insurance coverage available, yet you still cover your dependent spouse under your Tech Mahindra medical coverage, then yes, the spousal surcharge will apply. Q: If my spouse works, but her small business does not provide health care options, does the surcharge still apply? A: No. Q: If the spouse is working in another company, can I include her in my family coverage. 12

13 A: Yes, but if your spouse has coverage available through her employer, the spousal surcharge will be in effect. Q: Are these surcharges are applicable only to medical? A: Yes. Q: Since open enrollment is so late and most if not all of the US companies have closed open enrollment and your spouse did not elect his/her medical, are there any provisions for those cases to waive this fee. It would have been nice to know this major change in the late September early to late October time frame so that more informed decisions could have been made. A: We suggest discussing this with your spouse s employer. The spousal surcharge is new for Tech Mahindra and not something you knew about during your spouse s employer open enrollment and would afford him/her the opportunity to enroll in that plan now. Q: For my wife, her employer enrollment is already closed for How do we deal with this? I will also have two kids as part of my plan. A: We suggest discussing this with your spouse s employer. The spousal surcharge is new for Tech Mahindra and not something you knew about during your spouse s employer open enrollment and would afford him/her the opportunity to enroll in that plan now. Q: My spouse's open enrollment is in March. Can I drop out of the health plan if I find his/her insurance is better for me? A: Yes. Q: Does the spouse surcharge apply if I will be adding 2 dependant kids to my plan? A: No spousal surcharge will apply if you are only covering your dependent children. Q: If you cover yourself and your spouse covers you too and they are both now Aetna, how would that work? A: The plan that covers you as the employee will be primary over the plan that covers you as the dependent. But, because your spouse also has employer provided coverage, the spousal surcharge will apply. Q: My wife works for a company that has Aetna as the insurance company. Her company has a policy that if your spouse (meaning me) has insurance she has to be enrolled on my insurance. Would I be charged the extra cost for a spouse? A:The Spousal Surcharge for Tech Mahindra states if you are covering your working spouse and the working spouse has coverage available and still elects the Tech Mahindra plan, then the surcharge will apply. We recommend discussing this with your spouse s benefit department. Q: Will spousal Medicare eligibility due to disability count as spousal other available coverage? A: No. 13

14 Tobacco Surcharge Q: For tobacco non-users what does it mean by "lower contributions" is it a lower surcharge? A: A non-tobaccos user receives no surcharge. Q: How do we validate we are tobacco free, and how do we validate our spouse medical eligibility? A: There will be an online certification process during your online enrollment. Tech Mahindra will reserve the right to validate the information employees certify during enrollment. Q: Are these surcharges (tobacco/spousal) for per paycheck? A: Yes, the amounts are per paycheck. Q: Similarly, what happens if I started smoking after the subscription to the plan? A: If your tobacco (or spousal coverage availability) should change during the plan year, you will need to recertify your status and receive the applicable surcharge payroll deduction. Please refer to the detailed Tobacco Surcharge section of your newsletter. Q: Does the deductible come in picture only in case of out of network cases? A: No, the deductible applies to both in-network and out-of-network services. Teladoc Q: Is Teladoc free? A: No it is handled like other physician services the added feature is that you do not have to wait for an available appointment and you can get attention 24/7 from a virtual appointment. Q: Is Teladoc like talking with nurse? A: You would be speaking with a doctor. Member ID Cards Q: New ID Cards for Aetna: A: All Associates enrolled in medical coverage in 2017 will receive a new ID card from Aetna. Since Open Enrollment is ending December 27, 2016, you will not receive your card by January 1, Do not worry. Beginning January 1, 2017, you can register on Aetna s website and print a copy of your digital ID card until the actual card is mailed to your home. Below is the information on how to print a temporary ID card: Members can access their digital ID card through Aetna Navigator 14

15 Visit Aetna.com to register. Once registered, your employees can access and print a copy of their digital ID card by visiting the ID card section of Navigator. How to Print a Digital ID Card from Aetna Navigator: Go to Enter user name and password in the Member Login Section or (Note: First-time users must sign-up for an account) Click "SECURE LOG IN" On the personalized home page, on the left-hand side of the page click on View/Print an ID Card" Select appropriate member Member identification will be displayed, then member may "View and Print" ID Card Click here for a DEMO of Aetna Navigator: Note: You will need your Aetna Member ID number and/or your social security number to register. Aetna Mobile Application (iphone and Android): Available in app stores when a user searches for Aetna. How to Access: - Android: Go to Play Store and search for Aetna Mobile. - iphone: Go to App Store and search for Aetna Mobile. - Text Apps to23862 to download*; or - Scan the code with your mobile device. Once registered/logged in, the member will see the following options on their smart phone. To view an image of their ID card, the member would tap on the option for ID card. Other Questions Q: Are there any Lifetime Maximum benefits? A: There are no lifetime maximums on medical. There is only a lifetime benefit on orthodontia under the dental program. Q: Who are LCC associates? A: This is a separate Tech Mahindra company. Q: Is the SSN mandatory to enroll, I have to yet receive the SSN from the SSA office... unsure if I will get before the specific period...? A: In these situations, it would be best to speak with your U.S HR Department. Q: Can I take my own insurance if I do not like these? 15

16 A: Yes, you can decline the Tech Mahindra coverage options. However, the Affordable Care Act (ACA) individual mandate requires most Americans to have health insurance that meets certain criteria or pay a penalty when filing their taxes. With this in mind, it s good to know that all of Tech Mahindra medical plans provide the kind of coverage the government requires in order to avoid the penalty. For more information about the ACA, visit the website at and to review the plans available in your state or call for assistance with reviewing the plans available in your state. Q: How about Foreign claims - medical expenses in another country while travelling? A: When you receive foreign medical care, you will need to pay for that care, and bring your receipts to send to Aetna, and file the manual claim converted to US dollars. Q: Under Aetna, can we now get reimbursements on gym memberships? A: Yes, discounts on gym memberships are available through Aetna s GlobalFit network. There are over 10,000 gyms in to choose from and you can find more details on Q: Will there be a 401(k) match? A: You will need to discuss 401(k) plan details with your Tech Mahindra Human Resource department. Q: How do I know my employee ID? A: Please contact your Tech Mahindra HR Department for this question. Q: I do not have a US Mailing address yet, what should I do? A: If an associate does not have a US Mailing address yet, the address field will be defaulted to the Tech Mahindra US address in Texas. The associate will need to contact the Call Center to have their address updated once they have a US mailing address. ### 16