2018 New Hire Enrollment Guide

Transcription

1 2018 New Hire Enrollment Guide

2 What s Inside 3 Healthcare Lingo 4 Your Options at a Glance 6 Primary Medical Plans 7 Medical Plans by the Numbers 8 Health Savings Account 10 Other Medical Plans 12 Find Your Medical Plan Match 14 Prescription Drug Coverage 16 Flexible Spending Accounts 18 Dental 20 Supplemental Life and Accidental Death & Dismemberment 21 Long Term Disability 22 Helpful Enrollment Tools 24 Enrolling Your Spouse/Domestic Partner? 25 What to Expect When Enrolling Your Dependents 26 Take These Steps to Enroll 28 Important Dates and Deadlines 30 Wait, There s More 32 Contacts 19 Vision 2

3 Healthcare Lingo Get to know these common terms before you enroll so you can understand your medical plan options. Allowed Amount Annual Deductible Coinsurance The allowed amount is how much healthcare providers can charge for the services your plan covers. Your annual deductible is the amount you pay for office visits, prescription medications and other covered services before your plan begins sharing the cost. Coinsurance is the percentage you and your plan each pay when you re sharing costs. Coinsurance kicks in after you meet your annual deductible. Copay Explanation of Benefits (EOB) In-Network Provider A copay is the fixed amount you pay for a covered healthcare service. An EOB is a summary of services received, what your plan paid and how much you owe your healthcare provider. Doctors, hospitals and service providers that contract with your plan are called in-network providers. You usually pay less when you use an in-network provider. Out-of-Network Provider Out-of-Pocket Maximum Medical Premium STOP Doctors, hospitals and service providers that don t contract with your plan are called out-of-network providers. You usually pay more when you use an out-of-network provider. The most you pay in a year for eligible healthcare services is called the out-of-pocket maximum. After you reach the out-of-pocket maximum, the plan covers 100% of eligible expenses for the remainder of the plan year. The medical premium is the amount deducted from your paychecks to pay for your medical coverage. Your deduction comes out of your paychecks before taxes.* * The cost of coverage for a domestic partner comes out of your paycheck after taxes. 3

4 Your Options at a Glance Take this opportunity to learn more about your coverage options. This page highlights the benefits you can choose during your enrollment period. Medical Plans In all states, except Hawaii: HSA plan HSA Plus plan Dental Plans Cigna Dental PPO Cigna Dental PPO Plus Cigna Dental DHMO In limited locations: Kaiser Plus plan Kaiser HMO Hawaii HMSA/Blue Cross HMO Hawaii Health Saving Account Available with the HSA, HSA Plus and Kaiser Plus plans. Vision Plans Vision Service Plan (VSP) VSP Plus Don t miss your enrollment! You need to enroll by the deadline on your Welcome Letter. Go to UPoint, the enrollment website, at to make your choices. 4

5 Flexible Spending Accounts (FSAs) HSA-compatible FSA Standard healthcare FSA Dependent care FSA Long Term Disability Coverage (LTD) Provides up to 60% of your covered pay (up to $25,000 a month) if you re out of work more than 180 days due to a disability. HR Support Center 855.GO.MCKHR ( ) Press 1 for the McKesson Benefits Center for Health, Vitality and Pension questions. Benefit experts are available 7 a.m. - 6 p.m. Central time, M-F. Oprime 1 para asistencia en español a través del McKesson Benefits Center. Supplemental Life and Accidental Death & Dismemberment Insurance (Life and AD&D) Employee Call the HR Support Center if you have enrollment questions. If a benefit expert can t answer your question, an advocate will contact you within hours. Advocates are specifically trained to help you with questions about medical, dental and vision coverage. Spouse/domestic partner Child(ren) 5

6 Primary Medical Plans The HSA and HSA Plus medical plans offer: A health savings account to help you pay eligible expenses. Comprehensive medical and prescription drug coverage. Your prescription drug coverage is administered by CVS Caremark. Preventive care covered at 100% when you use in-network providers. Coinsurance after meeting your deductible. Coinsurance is the percentage you and your plan each pay when you re sharing costs. You pay 20% of the eligible cost and your plan pays 80% when you use in-network care or services. You pay 40% of the eligible cost and your plan pays 60% when you use out-of-network care or services. You pay 100% of the difference in costs between out-of-network provider charges and eligible charges for the service. This is called balance billing. A deductible you need to pay for eligible expenses before coinsurance kicks in. Out-of-pocket maximums that limit how much you pay for eligible healthcare services in a year. An out-of-pocket maximum is the amount you pay for your annual deductible plus your share of eligible expenses before the plan pays 100%. Here s an example of what you ll see on UPoint when choosing a medical plan. 6

7 Medical Plans by the Numbers Here s a quick look at the HSA and HSA Plus medical plans. Use the charts below to compare the deductibles, coinsurance and out-of-pocket maximums. HSA plan Health savings account EE contribution** McKesson contribution Deductible Coinsurance out-of-pocket maximum In-network Out-of-pocket maximum In-network*** EE* $0-$3,450 $0 $3,500 $2,750 $5,500 $6,250 $9,000 EE + SP/DP* or Child(ren) $0-$6,900 $0 $5,250 $4,125 $8,250 $9,375 $13,500 EE + Family $0-$6,900 $0 $7,000 $5,500 $11,000 $12,500 $18,000 HSA Plus plan EE* Health savings account EE contribution** McKesson contribution Deductible Coinsurance out-of-pocket maximum In-network Out-of-pocket maximum In-network*** Out-ofnetwork Out-ofnetwork Out-ofnetwork Out-ofnetwork $0-$2,700 $750 $2,125 $2,500 $5,000 $4,625 $7,125 EE + SP/DP* or Child(ren) $0-$5,800 $1,100 $3,175 $3,750 $7,500 $6,925 $10,675 EE + Family $0-$5,400 $1,500 $4,250 $5,000 $10,000 $9,250 $14,250 TIP McKesson medical plan premiums vary. You can view your actual premiums when you enroll on UPoint. *** EE = employee. SP/DP = spouse/domestic partner. *** Putting money in a health savings account is voluntary. You choose how much to put in, up to the annual IRS limit shown in the chart. You can put in up to 1/12 of the annual limit each month. If you re age 55 or older, you can make catch-up contributions of up to $1,000 per year ($83.33 per month). Avoid tax penalties by making sure you don t put more in your account than the IRS monthly or annual limit. McKesson and Fidelity don t monitor your contributions for you. For more information on health savings accounts, go to > Health Savings Account > Health Savings Account FAQs. *** If you re enrolled in EE + SP/DP, EE + Child(ren) or EE + Family coverage, your plan has an out-of-pocket maximum of $6,850 per individual. This means no one covered by your plan pays more than $6,850 a year for in-network services. Coverage for a Variety of Health Services Your plan covers more than health exams and surgery. You re covered for a variety of services, such as chiropractic care, acupuncture, addiction treatment, infertility treatment, speech therapy and physical therapy. Learn more about what your plan covers in the Summary of Benefits and Coverage (SBC) at > Plan Documents. 7

8 Health Savings Account Health Savings Account Available with the HSA, HSA Plus and Kaiser Plus Plans You Own the Account The money in your health savings account is yours to keep whether you change medical plans, leave McKesson or retire. You decide how and when to spend or save the money in your account. Triple Tax Break 1. Before-tax and tax-deductible contributions that lower your taxable income 2. Tax-free withdrawals for eligible healthcare expenses 3. Tax-free earnings from interest and investments* * Some states tax contributions and interest/investment earnings. Check with your tax advisor to see how your account is affected or contact Fidelity for more guidance. McKesson Contribution (HSA Plus and Kaiser Plus Plan) If you enroll in the HSA Plus or Kaiser Plus plan, McKesson puts money in your health savings account. The amount McKesson contributes depends on who s covered by your medical plan: $750 Employee Only $1,100 Employee + Spouse/Domestic Partner or Child(ren) $1,500 Employee + Family You need to activate your health savings account on Fidelity s website ( before you can use your account. Investment Opportunities You can use your health savings account like a 401(k) by investing the money in your account in a variety of options through Fidelity. IRS Contribution Limits The IRS limits how much you can put into your health savings account. The limit is based on: Your medical plan Who s covered by your medical plan All contributions you make to a health savings account in 2018 count toward the IRS limit, whether made while at McKesson, another employer or on your own. Be sure to account for your previous 2018 contributions when setting your monthly contribution amount on UPoint to avoid tax penalties. Find the annual and monthly limits and what to do if you go over the limits in the Health Savings Account FAQs at > Health Savings Account. TIP It s a good idea to contribute as much as you can to your health savings account so you can use that before-tax money to pay for eligible expenses or save it for the future. 8

9 Take Action! Activate Your Health Savings Account After enrolling in the HSA, HSA Plus or Kaiser Plus plan on UPoint, you need to activate your health savings account on the Fidelity website ( before you can use the account. If you enroll in the HSA Plus or Kaiser Plus plan, you need to activate your account within 90 days of enrolling or you won t get your McKesson contribution. 1 6 Go to Click Register Now to set up your account. 2 Review Fidelity s Terms and Conditions. If you accept the Terms and Conditions, click Agree & Open Account. Click Open in the Health Savings Account box. 5 Steps to Activate Your Health Savings Account You only need to activate your account once not every year. 3 If your personal information is correct, click Confirm My Information. 4 Review eligibility information, then click Get Started. Enter your personal information, such as your name and address, then click Continue. Once you activate your account, you ll receive a Fidelity card. You can use it like a debit card when paying for expenses. 9

10 Other Medical Plans Kaiser Plus Plan The Kaiser Plus plan is a high-deductible HMO plan available in California, Colorado, Georgia, the Mid-Atlantic states, Oregon and Washington. Here s a look at how the Kaiser Plus plan works. Your preventive care, including certain prescription medications, is 100% covered. You pay the full cost of your non-preventive care out of pocket until you meet your annual deductible: $2,125 Employee Only $4,250 Employee + Spouse/Domestic Partner or Employee + Child(ren)* $4,250 Employee + Family* * If you re enrolled in Employee + Spouse/Domestic Partner, Employee + Child(ren) or Employee + Family coverage, you have an embedded individual annual deductible of $2,700. This means if a person meets the $2,700 individual deductible, that person will begin paying coinsurance for covered services even if the total annual deductible hasn t been met. X The Kaiser Plus plan doesn t cover out-of-network providers, except for emergency services. You can open a health savings account and get a McKesson contribution to help you with your deductible and coinsurance see p. 8. You can use the money in your health savings account to pay for eligible expenses or save it for future expenses. No Copays You pay coinsurance after meeting your deductible. You keep paying coinsurance until you meet your out-of-pocket maximum. Once you do, the plan pays 100% for eligible expenses. When Enrolling on UPoint On UPoint, the Kaiser Plus plan is listed as the Kaiser HMO plus HSA plan. Choose this option if you want to enroll in the Kaiser Plus plan. Prescription Medication Coverage Kaiser Permanente administers the Kaiser Plus plan s prescription medication coverage. Go to > Understanding your costs for more information. Kaiser Permanente at Your Fingertips If you enroll in the Kaiser Plus plan, use the Kaiser Permanente app to make appointments, refill prescriptions and see a list of all your meds. Get the app for free at the App Store or Google Play. See how coverage under the Kaiser Plus plan compares to other McKesson medical plans. View the Health Plan Comparison Charts on UPoint at 10

11 HMOs in Hawaii If you live in Hawaii, you ll see two HMO plan options on UPoint when you enroll. Review the Health Plan Comparison Charts to see what s covered for With an HMO plan, you typically pay a copay (a fixed dollar amount) for office visits and a coinsurance amount for certain services. Your premiums are higher in exchange for lower out-of-pocket costs. An HMO plan generally doesn t cover out-of-network services, except in emergencies. Available medical plans in Hawaii include: HMSA/Blue Cross HMO plan Kaiser HMO plan 11

12 Find Your Medical Plan Match Your healthcare needs are as unique as your fingerprints. That s why we made sure that whether you visit the doctor once a year or once a month, there s a coverage option for you. Use the examples below to see which plan may match your personal situation. Marco Rarely sees a doctor. Likes to keep his medical premiums as low as possible. Kelli Takes prescription medications. Sees her doctor frequently. Wants a plan with the lowest annual deductible. Marco s choice: HSA Plan Why? The HSA plan has the lowest premiums of all the McKesson medical plans. With a lower premium, Marco can put more before-tax money from his paycheck into his health savings account. He can use that money for a rare trip to the doctor or save for the future. Kelli s choice: HSA Plus Plan Why? The HSA Plus plan has a lower annual deductible, but a higher premium than the HSA plan. Kelli also gets a $750 McKesson contribution in her health savings account. She can use that money to help pay her annual deductible. 12

13 Steven Covers his wife and two kids. Visits the pediatrician multiple times a year. Shauna Likes Kaiser Permanente doctors and healthcare system. Wants the benefits of a health savings account. Wants help paying his annual deductible. Steven s choice: HSA Plus Plan Why? Steven and his family receive medical care frequently. The $1,500 McKesson puts in his health savings account helps him meet a portion of his annual deductible without paying money out of pocket. Shauna s choice: Kaiser Plus Plan Why? With the Kaiser Plus plan, Shauna can use Kaiser Permanente doctors and pharmacies. She also gets all the benefits of a health savings account. Don t Miss It! Watch the Video Guide to Benefits and Enrolling Find the right medical plan with this video. Go to > New Hire. 13

14 Prescription Drug Coverage CVS Caremark administers prescription medication coverage for the HSA and HSA Plus plans. You can use your prescription medication benefits within CVS Caremark s network, which includes hundreds of retail pharmacies such as CVS Pharmacy TM, Health Mart and Walmart. Prescription Coverage Before Meeting Your Deductible You pay prescription medications like any other eligible healthcare expense. This means you pay the full cost of your medications until you meet your deductible, unless your medication is on the HSA Preventive Therapy Drug List. When you pay prescription medications with your health savings account, it counts toward your deductible. Prescription Coverage After Meeting Your Deductible After meeting your medical plan s annual deductible, coinsurance kicks in. This means you and your plan begin sharing the costs of your eligible medical expenses, including your prescription medication costs. A Look at What s Covered The chart below shows how you and the plan pay for your prescription medicines. Medications on the HSA Preventive Therapy Drug List Preventive generic medications Plan pays 100% without having to meet your deductible Preventive brand name medications You pay half the normal coinsurance without having to meet your deductible Medications not on the HSA Preventive Therapy Drug List Generic medications You pay 20%, plan pays 80% after meeting your deductible Preferred brand name medications You pay 20%, plan pays 80% after meeting your deductible Non-preferred brand name medications You pay 40%, plan pays 60% after meeting your deductible You don t have coverage at out-of-network pharmacies. If you use an out-of-network pharmacy to fill your prescriptions, you pay the full cost of your prescription medications. HSA Preventive Therapy Drug List Certain preventive generic medications may be covered 100% without you having to meet your deductible. You can find the list at > Medical Plans & Programs > Costs, Pharmacies and Medication Lists. 14

15 CVS Caremark Online Register on the CVS Caremark website to: Estimate prescription medication costs. Order a refill. Download the CVS Caremark App Use the CVS Caremark app to access your prescription medication benefits on the go. Download the free app at (Standard mobile phone carrier and data usage charges apply.) Get details about mail order and specialty pharmacies. Use the pharmacy locater to find in-network pharmacies near you, including CVS Pharmacy, Health Mart, Walmart and others. Go to > Sign Up Now and follow the prompts. Your covered family members can set up their own secure accounts (children must be age 19 or older). If you re not enrolled in the HSA or HSA Plus plan, view your plan s SBC on the Total Rewards Library to see your prescription drug benefits. Go to > Plan Documents. Mail Order Program You can fill your prescriptions up to a 90-day supply at CVS Caremark s mail order pharmacy or at any retail pharmacy in CVS Caremark s network. Visit to order your prescriptions online. 15

16 Flexible Spending Accounts Add to Your Savings with Flexible Spending Accounts Stretch your money with a flexible spending account (FSA). You can set aside before-tax dollars to pay for eligible healthcare and dependent care expenses. The type of healthcare FSA you can have depends on your medical plan, as shown below. There are two healthcare FSAs (HSA-compatible FSA and standard healthcare FSA) and one dependent care FSA. Available to Use for Annual contribution amounts Why choose this account Healthcare FSAs HSA-compatible FSA Standard healthcare FSA HSA plan members All benefit eligible employees not enrolled in the HSA, HSA Plus HSA Plus plan members or Kaiser Plus plan Kaiser Plus plan members Eligible dental and vision out-of-pocket expenses only, including deductible and coinsurance amounts Eligible medical, prescription medication, dental and vision out-of-pocket expenses, including deductible and coinsurance amounts $100 - $2,600 $100 - $2,600 $100 - $5,000 You want to use before-tax dollars to pay eligible dental and vision expenses right away. You can use all your HSA-compatible FSA dollars as soon as your medical coverage begins. You want to save the money in your health savings account for retirement. You want to lower your taxable income. If you re not enrolled in the HSA, HSA Plus or Kaiser Plus plan, but still want to use before-tax dollars to save on out-of-pocket healthcare expenses. You want to lower your taxable income. Dependent Care FSA All benefit eligible employees Eligible child care and eldercare out-of-pocket expenses You want to use before-tax dollars to pay eligible child care and eldercare expenses. You want to lower your taxable income. FSA Food for Thought Spend all the funds in your FSAs by December 31, 2018 and submit your claims by March 31, Unused 2018 FSA dollars don t carry over to Carefully consider your healthcare and dependent care needs before entering your annual contribution amount on UPoint. You can pay eligible expenses with your WageWorks Healthcare Card (similar to a debit card), by using the EZ Receipts mobile app or filing a claim for reimbursement on the WageWorks website. Keep all your FSA receipts in case you need to verify your purchases with WageWorks or the IRS. If you don t enroll in a McKesson medical plan, you may be eligible to enroll in a standard healthcare FSA. Contact WageWorks at or call to see if you can enroll in an FSA. 16 TIP You can find a list of eligible FSA expenses at > Flexible Spending Accounts (FSA).

17 How to Put Money in Your FSA Depending on the medical plan you choose, UPoint automatically updates the Health Care Flexible Spending Account page to allow you to put money in either an HSA-compatible FSA or a standard healthcare FSA. Enter your annual contribution amount and click Continue. Here s an example of what you ll see on UPoint when you enroll in an FSA. If you want to put money in a health savings account in 2018, you can t put any money in a standard healthcare FSA. This includes any standard healthcare FSA your spouse contributes to. Learn more about FSAs at > Flexible Spending Accounts (FSA). 17

18 Dental Take care of your smile with dental coverage from Cigna Dental. You can choose between the dental plans in the chart below. Under the PPO plans, you save money by using in-network providers who have negotiated discounted rates with Cigna Dental. Visit Cigna Dental at to find an in-network dentist near you. PPO PPO Plus DHMO Out-of-network coverage Yes Yes No In-network preventive care and cleanings Deductible Coinsurance/copay 100% of eligible charges without meeting deductible $50 individual $150 family 80% or 50% coinsurance* after meeting deductible 100% of eligible charges without meeting deductible $50 individual $150 family 90%, 60% or 50% coinsurance* after meeting deductible 100% of eligible charges No deductible Fixed copay Orthodontia coverage For children under age 19 For children under age 19 Adults and children Calendar year benefit maximum $1,500 per person $2,000 per person None * To find out which coinsurance percentage applies to your dental services, see the summary plan description (SPD) at totalrewardslibrary > Plan Documents > Dental SPD. Get Money Back on Certain Dental Treatments You can get reimbursed for out-of-pocket expenses on certain dental treatments if you have a qualified medical condition, such as diabetes or pregnancy. Family members covered by a Cigna Dental plan may be eligible as well. Learn more at Total Rewards Library > Medical Plans & Programs > Dental Benefits. Here's an example of what you'll see on UPoint when you choose your dental plan. 18

19 Vision Take care of your vision with coverage from Vision Service Plan (VSP). You can choose the VSP or VSP Plus plan to get 100% in-network coverage for routine eye exams and prescription glasses after a copay. Be sure to visit an in-network VSP doctor to get the best value. When you see a non-vsp doctor, you pay in full up front and then submit a claim to VSP for partial reimbursement. Visit or call to find a VSP provider near you. Vision Options (in-network only)* Eye exam Prescription glasses Frame Lenses (includes single vision, bifocal, trifocal and lenticular lenses)** Elective contact lenses (instead of prescription glasses) VSP 100% after $15 copay Once every calendar year 100% up to plan allowance after $25 copay for lenses and/or frame Up to $130 allowance Once every other calendar year Once every calendar year Progressive and other lens enhancements available at a discount Up to $150 allowance Once every calendar year VSP Plus Plan pays 100% after $10 copay Once every calendar year 100% up to plan allowance after $10 copay for lenses and/or frame Up to $210 allowance Once every calendar year Once every calendar year Progressive lenses covered after $40 copay Other lens enhancements available at a discount Up to $200 allowance Once every calendar year ** These coverages are also available for out-of-network provider services. However, dollar maximums apply to exams, lenses, frames and contact lenses as shown in the Vision SPD. Find the Vision SPD on the Total Rewards Library at > Plan Documents. ** The plan doesn t cover the costs of other lens options such as anti-reflective coating, color coating, mirror coating, scratch coating, blended lenses, cosmetic lenses, laminated lenses, oversize lenses, polycarbonate lenses (except for children), photochromic lenses, tinted lenses (except Pink #1 and Pink #2), and ultraviolet protected lenses. For more information, see the Vision SPD at the Total Rewards Library > Plan Documents. Save up to 60% on Hearing Aids As a VSP member, you and your family can get up to 60% off digital hearing aids, plus 48 free batteries per device. Learn more at Total Rewards Library > Medical Plans & Programs > Vision Plans and Hearing Discount. Here s an example of what you ll see on UPoint when you choose your vision plan. 19

20 Supplemental Life and Accidental Death & Dismemberment You can take comfort in knowing your family is financially protected by McKesson-paid basic life and accidental death and dismemberment (AD&D) coverage. You get this coverage automatically as part of your Total Rewards. During your enrollment period, you can buy: Supplemental employee life and AD&D insurance $10,000 to $1.5 million (or eight times your pay, whichever is less) Spouse/domestic partner life and AD&D insurance $20,000 to $400,000 Child life and AD&D insurance $5,000 to $25,000 per child (in $5,000 increments) Life insurance can protect your family s financial future. Learn more about life insurance here. When enrolling for supplemental coverage, you may be asked for Evidence of Insurability (EOI). If you need to provide EOI after you ve enrolled, a Submitted Successfully - Required Follow-Ups page appears, and you get a confirmation number. TIP While enrolling on UPoint, confirm that you re tobacco-free to save on your 2018 life insurance premiums. 20

21 Long Term Disability You automatically get McKesson-paid short term disability (STD) coverage as part of your Total Rewards. You can buy additional protection for you and your family by enrolling in optional long term disability (LTD) coverage. LTD coverage protects your income if you re out of work for more than 180 days due to a disability. LTD generally provides 60% of your covered earnings (up to a maximum monthly benefit of $25,000), minus earnings from other income. You pay only 30% of the cost for LTD coverage. McKesson pays the other 70%. For example, if you earn $50,000 a year, you pay $3.99 a month for LTD coverage and receive $2,500 a month in LTD benefits if you become disabled. During the first 12 months of LTD coverage, you won t be paid LTD benefits for a disability that results from a pre-existing condition. 21

22 Helpful Enrollment Tools Are a Keystroke Away Total Rewards Library UPoint The library is your year-round, online source for important information about our health and wellness programs. It s open to everyone 24/7 from any device with internet access. Start with the New Hire section to find information about: Important deadlines you need to know Health savings accounts Flexible spending accounts (FSAs) Wellness programs Commuter benefits Medical premium savings UPoint is your enrollment website. You need to enroll by the deadline on your Welcome Letter. During your enrollment period, log on to: Choose your benefits for Use enrollment tools to compare and understand your healthcare coverage options see the chart on the next page. Choose contribution amounts for your health savings account and flexible spending account. Throughout the year, log on to: Start, stop or change your health savings account contributions. View details about your health and wellness benefits. Update your coverage within 31 days of a qualified status change. 22

23 Your Enrollment Tools Use these UPoint tools to sort through your medical plan options. Health Plan Comparison Charts Medical Expense Estimator Summaries of Benefits and Coverage (SBCs) Compare multiple plans side by side, including covered services, deductibles, coinsurance and out-of-pocket maximums. Find out how much you can expect to pay for common healthcare services under different medical plans. Get a summary of services covered by each medical plan. Medical Plan Carrier Websites Visit the medical plan carrier websites to review plan details and search for providers. Aetna Kaiser Permanente Anthem HMSA Cigna TIP See p. 32 to find out which medical plan carriers are available in your area. 23

24 Enrolling Your Spouse/Domestic Partner? If you enroll your spouse/domestic partner in McKesson medical coverage on UPoint, you ll be asked if he/she is eligible for medical coverage through his/her employer. If your answer is Yes, you ll pay a $100 monthly surcharge* on your McKesson medical premiums beginning on your first day of coverage. The $100 surcharge is split over your pay periods each month. If your answer is No, you won t pay the $100 monthly surcharge. Consider encouraging your spouse/domestic partner to enroll in medical coverage through his or her employer so you can answer No. Be sure you select Yes or No in the Employed/Spouse Domestic Partner Surcharge field. If you don t make a selection, your answer becomes Yes by default and you pay the $100 monthly surcharge. If you and your spouse/ domestic partner are both McKesson employees, the surcharge is waived. * The surcharge for an employed spouse is taken before taxes. The surcharge for an employed domestic partner is taken after taxes. Here s what you ll see on UPoint in the Employed Spouse/Domestic Partner Surcharge field when you enroll. Be sure to select Yes or No in the highlighted field. Let us know within 31 days if your spouse/domestic partner loses or gets medical coverage through his or her employer and we ll add the surcharge to your paycheck or take it off. Simply call the HR Support Center at 855.GO.MCKHR ( ) and press 1, or go to UPoint > Life Changes. 24

25 What to Expect When Enrolling Your Dependents As a McKesson new hire, you re required to provide dependent verification documents for each dependent you enroll in a McKesson benefit plan (medical, dental and vision). If your dependent s eligibility isn t confirmed, he/she loses coverage under all plans he/she is enrolled in. In the coming weeks, you should get a notice from the Dependent Verification Center in the mail. The notice will let you know which documents to submit to confirm dependent eligibility. Here are some steps you can take to make your verification process easier. 1. Determine who is considered an eligible dependent. Who is an eligible dependent? Legal spouse 2. Gather your documents. Take time to find your documents now to avoid delays later some state and local public records offices can take weeks to issue documents. Common law spouse Here are some documents you can begin looking for: Domestic partner Children under age 26 (including your own children, step-children, domestic partner s children, legally adopted children, legal wards and foster children) Unmarried children age 26 or older who are incapable of self-support because of a disabling sickness or injury that began before age 26. Documents proving joint ownership mortgage statements, credit card statements, bank statements, property tax statements and current, non-expired residential leasing agreements listing both parties names as co-owners. The joint ownership may be established before the current year. However, the statement provided must be issued within the last six months or still be current, if it s a residential lease. Other children related by blood or marriage (for whom you pay at least half of their support and reside with you) Children who become eligible for medical coverage under the terms of a Qualified Medical Child Support Order (QMCSO) Who is not an eligible dependent? A former spouse Children age 26 and older (unless unmarried and incapable of self-support because of a disabling sickness or injury that began before age 26) 3. Proof of marriage the documents need to be a government-issued marriage license or marriage certificate with the date of your marriage. Churchissued certificates are not acceptable. Birth certificates listing parent names birth certificates must be government-issued and list parent names. Short form government-issued birth certificates without parent names are not acceptable. Use the long form with the parent names (the same used for a passport). Look for your notice in the mail. Once received, follow these steps when submitting your documents: Send copies only. Keep your original documents. Questions? The Dependent Verification Center is available to help before and after you receive your notice a.m. - 5 p.m. Central time, M-F Black out Social Security Numbers on the copies of the documents you submit. If a copy of your prior year s federal tax return is needed, send only the first page of the IRS Form 1040, which shows your dependents. Black out any dollar amounts. 25

26 Take These Steps to Enroll 1 Log On to UPoint Go to and enter your username and password. Click New User? and follow the prompts to register. You need to enroll by the deadline on your Welcome Letter. Use tools on UPoint to see how much you can expect to pay for your healthcare coverage premiums. 2 Make Your Choices On the UPoint homepage, under Action Needed!, click Enroll. Or select the Health and Insurance tab and under Enroll!, v click Enroll Now! Choose your medical, dental, vision, life and disability coverage. Enter an annual contribution amount for your health savings account and/or FSA(s). Provide Social Security Numbers (SSNs) for your covered dependents if you haven t already. Select Yes or No in the Employed Spouse/Domestic Partner Surcharge field, which is tied to the medical plan field, if you plan to enroll your spouse/domestic partner in a McKesson medical plan. If you don t make a selection, your answer becomes Yes by default and you pay a $100 monthly surcharge. 26

27 3 Select Complete Enrollment or Quit When you select: Complete Enrollment you save your choices and complete your enrollment. Print the Submitted Successfully message and reference number as confirmation. If you entered your address on UPoint, you get a confirmation . If you need to give EOI, a Submitted Successfully - Required Follow-Ups page appears, and you get a confirmation number. (You can print this page as confirmation.) Quit your choices are canceled. You see a Canceled Successfully message. You need to enroll by the deadline on your Welcome Letter. TIP If you enroll in the HSA, HSA Plus or Kaiser Plus plan, you need to activate your health savings account with Fidelity at 27

28 Important Dates and Deadlines You need to enroll by the deadline on your Welcome Letter for: Medical, dental and vision coverage Enroll Flexible spending accounts (FSAs) Long term disability (LTD) Supplemental life and accidental death & dismemberment (AD&D) Choose your coverage on UPoint at Health Savings Account McKesson Flexible Spending Accounts 90 days If you enroll in the HSA, HSA Plus or Kaiser Plus plan, activate your health savings account as soon as possible on the Fidelity website at You won t be able to use your account until it s activated. You need to activate your health savings account within 90 days of the day your coverage starts to get your contributions for 2018 (and McKesson s if you enroll in the HSA Plus or Kaiser Plus plan). December The last day to spend the money you put in a 2018 McKesson healthcare and/or dependent care FSA is December 31, March The last day to submit your 2018 healthcare and dependent care FSA claims is March 31, Submit your claims to WageWorks at Life Changes 31 days If you have a qualified status change after your enrollment, such as a marriage or the birth of a child, you have 31 days to change your coverage on UPoint at Questions about your Total Rewards? Find answers on the Total Rewards Library. Go to and click New Hire. 28

29 When Your Coverage Begins If you re a new full-time or part-time employee scheduled to work 30 or more hours a week, your coverage begins the first day of the calendar month following your date of hire (as long as you enroll by the deadline on your Welcome Letter). If you re hired more than 31 days before McKesson s Annual Enrollment period (generally in early November), you ll need to enroll twice this year: Once by the deadline on your Welcome Letter to have coverage this year. Again during Annual Enrollment to choose your benefits for Your new medical, prescription drug and dental ID cards should arrive in the mail a few weeks after you enroll. If you don t receive an ID card, you can view/print a temporary ID from your carrier s website. You can also call for a replacement card. Find your carrier s contact information at > Contacts. 29

30 Wait, There s More! In addition to the benefits you can choose during your enrollment period, we offer a variety of resources and programs that support your overall physical, mental and financial well-being. Here s a peek at what s available to you at McKesson. Credit Union Commuter Benefits Paid Parental Leave Healthcare Shopping Tool Wellness Programs Expert Second Opinion Service Bone Marrow Drive Paid Holidays $ Scholarships for Your Kids Paid Time Off (PTO) Educational Assistance Weight Loss Rebate Program 30

31 Employee Assistance Program (EAP) Adoption Assistance 401(k) Plan Employee Referral Program Employee Resource Groups Volunteer Program Employee Stock Purchase Plan (ESPP) Matching Gifts Program Learn more about these and other benefits on McKNet and at totalrewardslibrary > New Hire > Benefits at a Glance. 31

32 Contact Information Visit each carrier s website to compare doctors, service providers, tools and resources. Aetna Available in all states except Hawaii. Anthem Available in California, Florida, Michigan and Pennsylvania. Cigna Available in all states except Hawaii. Kaiser Permanente Available in California, Colorado, Georgia, Mid-Atlantic, Oregon and Washington. CVS Caremark Cigna Dental Vision Service Plan (VSP) imember@vsp.com Fidelity Investments (for health savings accounts) :30 a.m. - 7 p.m. Central time, M-F WageWorks (for flexible spending accounts and Commuter Benefits) Hawaii Medical Plans HMSA/Blue Cross HMO HI Kaiser HMO HI (Oahu) (neighbor islands) Life and Disability Securian Life Insurance (for Life and Accidental Death & Dismemberment) Matrix Absence Management (for short term disability) Cigna (for long term disability) Condition Support Managers Aetna Aetna In Touch Care Anthem Condition Care Cigna Personal Health Team

33 Notes 33

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36 Make Your Enrollment Choices on UPoint UPoint Enroll in, review and manage your Total Rewards. HR Support Center 855.GO.MCKHR ( ) Press 1 for the McKesson Benefits Center for Health, Vitality and Pension questions. Benefit experts are available 7 a.m. - 6 p.m. Central time, M-F. Oprime 1 para asistencia en español a través del McKesson Benefits Center. Call the HR Support Center for: Answers to general questions about your coverage options Guidance about eligibility and enrollment A paper copy of this guide Speak with an Advocate If a benefit expert can t answer your questions, an advocate will contact you within hours. Total Rewards Library Access enrollment information 24/7 from any device connected to the internet. Resources for Living (username: mckesson, password: eap) The Employee Assistance Program (EAP) is available 24/7 for free, confidential support for everything from child care referrals to addiction counseling. No problem is too big or too small. Register on Your Carriers Websites Register on both your medical plan carrier s and prescription drug carrier s websites to use their online tools and learn how you can manage your medical and prescription medication budget more effectively. See p. 32 for carrier contact information. June CPS# H