GUIDE FOR U.S. FULL-TIME ASSOCIATES BENEFITS ANNUAL ENROLLMENT

Transcription

1 GUIDE FOR U.S. FULL-TIME ASSOCIATES 2016 BENEFITS ANNUAL ENROLLMENT

2 WHAT S INSIDE Click below to find more about each topic... IT S TIME TO ENROLL: Page 3 DENTAL: Page 12 TOP THINGS TO KNOW: Page 4 VISION: Page 13 MEDICAL: Page 5 MEDICAL PAYMENT PLAN: Page 14 RX : Page 6 SPENDING ACCOUNTS: Page 15 NEW BENEFIT 24/7 CARE: Page 7 for Medical enrollees REFRESHED HEALTHY LIVING CREDIT: Page 8 CRITICAL ILLNESS PROTECTION: Page 16 MORE VALUABLE BENEFITS: Page 17 1 TAKE THE QUESTIONNAIRE: Page 9 PAYROLL DEDUCTIONS: Page 18 2 KNOW YOUR NUMBERS: Page 10 3 PERSONALIZED HEALTHY LIVING CHECKLIST: Page 11 2

3 IT S TIME TO ENROLL DON T MISS YOUR CHANCE TO ENROLL OR MAKE CHANGES TO YOUR 2016 BENEFITS. ENROLLMENT PERIODS BY WORK STATE ENROLL ONLINE Fast, convenient, easy and mobile-device friendly! Enroll by logging on at livetheorangelife.com before the end of your enrollment period. 83% OF ASSOCIATES SAVED TIME LAST YEAR BY ENROLLING ONLINE November 10 November 20 November 3 November 13 You also can enroll by calling the Benefits Choice Center at , between 9 a.m. and 7 p.m. Eastern Time, Monday through Friday. Call volume will be heavy. October 27 November 6 READY TO ENROLL? Throughout this guide spouse also refers to same-sex domestic partner. 3

4 TOP THINGS TO KNOW FOR 2016 ANNUAL ENROLLMENT. DO I NEED TO TAKE ACTION FOR 2016 BENEFITS? YOUR BENEFIT ELECTIONS FROM 2015 WILL CARRY OVER TO 2016 IF YOU DO NOT TAKE ACTION. THE FOLLOWING EXCEPTIONS APPLY: If you are covered under a Home Depot Medical plan, you will need to elect your Healthy Living Credit, complete your Tobacco-Free Certification and confirm your 24/7 Care election. You must actively enroll for Health Care and Dependent Day Care Spending Accounts. Prior year elections will not roll over. WHAT IS CHANGING FOR 2016? MOST BENEFITS ARE STAYING THE SAME IN 2016 AS IN HERE ARE SOME HIGHLIGHTS OF BENEFITS THAT ARE CHANGING: MEDICAL See page 5 to learn more. We will partner with the following carriers in 2016: RX See page 6 to learn more. Pharmacies inside Target retail stores are now in-network. REFRESHED HEALTHY LIVING CREDIT As we continue to enhance, simplify and personalize our health improvement offerings, you will see these changes in 2016: See pages 8-11 to learn more. The Tobacco-Free Credit has been built into the Medical plan payroll deductions. 1 See page 5 to learn more. The $25 biweekly Healthy Living Credit steps include a new simplified OrangeLife Questionnaire and a new personalized Healthy Living Checklist. NEW BENEFIT: 24/7 CARE See page 7 to learn more. See a doctor in minutes anytime, anywhere by video or phone. 1 To qualify for the Tobacco-Free Medical payroll deductions, you must actively certify during your enrollment that you are at least 6 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 4/1/16 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. 4

5 MEDICAL 2016 Medical Carriers LEARN ABOUT YOUR OPTIONS. In a continued effort to provide associates with access to high-quality doctors and facilities at the best price, we will partner with Anthem, Cigna and Kaiser Permanente in The carrier(s) and network available to you will depend ZIP code. 1 To find out what carriers or network you have CLICK HERE. You may be eligible for Transition of Care coverage if you are currently undergoing medical treatment for certain conditions and your current provider is not part of The Home Depot s carrier network. To learn more CLICK HERE Medical Payroll Deductions For 2016, there are Tobacco-Free and Tobacco-User Medical payroll deductions. During your enrollment, you must actively certify that you are at least 6 months Tobacco-Free 2 (or have never used tobacco) and will continue to be Tobacco- Free in If you do not certify that you are Tobacco-Free, you will automatically receive Tobacco-User Medical payroll deductions. FOR MORE INFORMATION: Medical payroll deductions see page 18. Healthy Living Credit see see page 8. LEARN MORE ABOUT MEDICAL A Quick Look at the Medical Options Assumes in-network and associate-only coverage SILVER PLUS HDHP 1, 3 & HEALTH GOLD PPO 1 SILVER PLUS PPO 1 SAVINGS ACCOUNT BRONZE HDHP 1, 3 & HEALTH SAVINGS ACCOUNT KAISER PERMANENTE GOLD HMO 4 KAISER PERMANENTE CALIFORNIA SILVER PLUS HDHP & HEALTH SAVINGS ACCOUNT Deductible $750 $1,500 $2,000 $3,500 $500 $2,000 Out-of-Pocket Maximum $5,000 (excludes prescription drugs) $5,000 (excludes prescription drugs) $5,000 $6,350 $2,500 $5,000 Primary Care Office Visit $25 $35 $25 Specialist Office Visit $50 30% $35 Inpatient Hospital Prescription Drugs Generic Drugs Prescription Drugs Out-of-Pocket Maximum Eligible for the Healthy Living Credit? 20% after deductible + $200 copay 20%, $20 maximum 30% after deductible + $300 copay 20%, $20 maximum 20% after deductible 30% after deductible 20% after deductible $10 20% after deductible $1,250 $1,250 Not applicable Not applicable Not applicable Not applicable Eligible for the Health Savings Account? Your carrier network will depend on where you live. For Anthem: Blue Open Access POS (in GA), NetworkBlue (in FL), Empire POS (in NY), Preferred-Care Blue (in Kansas City), Blue Access Choice (St. Louis), Blue Preferred POS (in WI), Blue Choice (in D.C.) and Blue Card PPO for all other areas. For Cigna: all locations will have the Open Access Plus network, except Salt Lake City will have Open Access Plus and PPO, depending on plan enrollment. 2 The covered individual has not smoked cigarettes, pipes or cigars or used smokeless tobacco products in the six months prior to the medical coverage effective date and will not in Tobacco products do not include nicotine patches, gum or e-cigarettes. 3 HDHP refers to High Deductible Health Plan. 4 Benefits may vary by location. CLICK HERE for more details. 5

6 RX EVEN MORE IN-NETWORK PHARMACY OPTIONS IN IF YOU ENROLL IN A KAISER PERMANENTE PLAN, RX COVERAGE WILL BE THROUGH KAISER PERMANENTE. New! Pharmacies Located Inside Target Stores Now In-network The prescription drug coverage is 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. A Quick Look at Rx In-network pharmacy PPO PLANS Gold Silver Plus OUT-OF-POCKET MAXIMUM FOR PRESCRIPTION DRUGS GENERIC PREFERRED BRAND NON-PREFERRED BRAND $1,250 individual/ $2,500 family You pay 20%; $20 maximum HIGH DEDUCTIBLE HEALTH PLANS Deductible does not apply for eligible preventive care prescriptions. You pay 20%; $100 maximum You pay 60%; $300 maximum Silver Plus HDHP Not applicable 20% after deductible 40% after deductible Bronze HDHP Not applicable 30% after deductible 65% after deductible KAISER PERMANENTE GOLD HMOS Varies depending on location. See the Benefits Summary for details. LEARN MORE ABOUT RX 6

7 NEW BENEFIT 24/7 Care 1 for Medical Enrollees QUICK AND AFFORDABLE CARE ANYTIME, ANYWHERE. IF YOU ENROLL IN A HOME DEPOT MEDICAL PLAN AND DO NOT MAKE A 24/7 CARE ELECTION, YOU WILL AUTOMATICALLY BE ENROLLED IN DOCTOR ON DEMAND. 2 About this Benefit FREE membership for associates and dependents enrolled in a Home Depot Medical plan. 3 Your first visit is FREE! For each visit afterward: PPO enrollees: $5 copay 4 HDHP enrollees: subject to deductible and coinsurance During enrollment, you will choose one of two 24/7 Care options: Doctor On Demand or Teladoc. What are the advantages of using a 24/7 Care doctor? Quick access to nationwide board certified medical expertise See a doctor from the comfort of home Perfect while traveling, on the go, after hours, holidays and weekends You get to choose your doctor, your appointment time (right away or schedule when convenient for you) Which 24/7 Care Option Should I Choose? How do I reach my 24/7 Care doctor? What services are covered? Common illnesses, such as cold and flu, sinus problems, urinary tract infections and pink eye Video Only Psychology services for stress, anxiety and depression X Dermatology Video or Voice Call X X X X requires picture upload if using voice call Nursing Mother Support X LEARN MORE ABOUT 24/7 CARE St tor o re ystal y Kr I've used Teladoc a few times. Last year I went on a cruise and like everyone I know who was onboard, I came home with a nasty cold. Rather than hoping my doctor could squeeze me in before I went back to work and spending more on an office visit, I went online and requested a call. Within 45 minutes, I spoke to a doctor and was able to pick up a prescription. The whole thing cost me $ call and medication. By the time I returned to work, the worst of it was over! 1 24/7 Care is not available in AR due to state laws. 2 Doctor On Demand is not available in AK or LA. If you live in one of these states, you will automatically be enrolled in Teladoc. 3 If you enroll in a Kaiser Permanente Medical plan through The Home Depot, your 24/7 Care will be provided through Kaiser Permanente. 4 Nursing Mother Support through Doctor On Demand is $40 per consult, and the First Visit Free does not apply to this service. 7 7

8 REFRESHED HEALTHY LIVING CREDIT IMPROVED, SIMPLIFIED AND PERSONALIZED 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 STEP 1 > TAKE THE QUESTIONNAIRE STEP 2 > KNOW YOUR NUMBERS STEP 3 > TAKE ACTION Elect the Healthy Living Credit during your enrollment session. Then complete the short online OrangeLife Questionnaire by Dec. 7 to receive your $25 biweekly credit as of Jan. 1. The link to the Questionnaire will be available after you complete your enrollment. See page 9 to learn more. Participate in the Hidden Health Risk Screening by Feb. 5 to continue earning your Credit. See page 10 to learn more. You ll receive a Healthy Living Checklist with action items personalized to you. Complete two items by the deadlines to continue your Credit. See page 11 to learn more. COVERING YOUR SPOUSE? If your spouse will be covered under a 2016 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. Note: 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 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. 8

9 A CLOSER LOOK AT STEP 1: ORANGELIFE QUESTIONNAIRE PERSONALIZED BENEFITS INFORMATION IN ADVANTAGES OF THE QUESTIONNAIRE: It takes LESS THAN 5 MINUTES to complete the NEW OrangeLife Questionnaire! Start Your Healthy Living Credit You ll begin receiving your $25 biweekly credit in each paycheck as of Jan. 1 if you complete the Questionnaire by Dec. 7. If your spouse/domestic partner also will be covered under a Home Depot Medical plan, he/she must complete the Questionnaire by Dec. 7 to begin receiving the spouse/domestic partner credit in your paycheck as of Jan 1. Receive Benefits Information Relevant to YOU Your answers to short, simple questions about your health, your family and your life will generate your personalized, printable benefits match list showing The Home Depot plans and programs that will help you live a healthier, wealthier, happier OrangeLife. Plus, your answers will help us provide you with more personalized benefits information in the future. Benefits Information Delivered YOUR Way Are you a texter? An er? On the Questionnaire, you ll tell us how you prefer to get benefits information via text, or paper mail. NEED MORE INFORMATION? OR OR COVERING YOUR SPOUSE? Once your spouse creates an account at livetheorangelife.com, he/she can click the Action Needed message to reach the OrangeLife Questionnaire. It s quick and easy. SPOUSE/DOMESTIC PARTNER ORANGELIFE QUESTIONNAIRE USER GUIDE 2016 For Spouses/Domestic Partners of U.S. Full-time Hourly and Salaried Associates Enrolled in a Home Depot Medical Plan Does not apply to associates/spouses in Hawaii, Puerto Rico, Guam or U.S. Virgin Islands. 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. 9

10 A CLOSER LOOK AT STEP 2: KNOW YOUR NUMBERS THE HIDDEN HEALTH RISK SCREENING GIVES YOU THE INFORMATION YOU NEED TO LIVE A HEALTHY LIFE. Why does The Home Depot offer Screenings? Your Hidden Health Risks can be identified by participating in the 10 minute Hidden Health Risk Screening. By taking an active role in your health and understanding your health risks, you will be taking an important step to improve your health and potentially reduce health care costs. What is Measured and Why? HIDDEN HEALTH RISK FACTORS 5 RISK FACTORS DESCRIPTION AT-RISK LEVEL HDL Cholesterol Lower than normal HDL ( good ) cholesterol raises your risk of heart disease. Triglycerides Higher than normal triglycerides, the level of fat found in the blood, can lead to hardening of the arteries, which can cause a heart attack. Blood Pressure High blood pressure can lead to heart attack or failure, stroke and kidney failure. Glucose Blood sugar level of 100 or higher Waist Circumference may be an indicator of diabetes. Excess fat in the abdominal area is a greater risk factor for heart disease than excess fat in other parts of the body. Those with 3 or more of the above risk factors are: 2 times as likely to develop cardiovascular disease that can lead to heart attacks and strokes 5 times more likely to develop diabetes lower than or higher 130 over 85 or higher 100 or higher Larger than 40" lower than or higher 130 over 85 or higher 100 or higher Larger than 35" HEMOGLOBIN A1c TEST If your glucose is 100 or higher, the Hemoglobin A1c test automatically will be run. How Do I Participate in the Screening? The valuable Hidden Health Risk Screening is FREE if you are enrolled in a Home Depot Medical plan. There are 3 ways to complete the screening: ON-SITE SCREENING EVENTS Screenings take place in January at most Home Depot locations. Sign-up sheets will be posted at work locations about 3-4 weeks before the date of the event(s). QUEST DIAGNOSTICS PATIENT SERVICE CENTER CLICK HERE to learn how to find a center near you and schedule an appointment. YOUR DOCTOR S OFFICE A very specific process must be followed CLICK HERE for more information. LEARN MORE ABOUT THE HIDDEN HEALTH RISK SCREENING 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. 10

11 A CLOSER LOOK AT STEP 3: PERSONALIZED HEALTHY LIVING CHECKLIST YOUR HEALTH IS PERSONAL. THAT S WHY WE ARE EXCITED TO INTRODUCE THIS CHECKLIST. HERE IS THE SCOOP: Information that goes into making your personalized checklist: You choose two action items from your Checklist to complete. One item must be completed by MAY 1 and a second item by SEPT. 1 to continue to receive your credit. OrangeLife Questionnaire Responses Hidden Health Risk Screening Results (if available) Medical & Pharmacy Claims (if available) Your personalized Healthy Living Checklist will be provided with your Hidden Health Risk Screening results. To give you an idea of what a Checklist could look like, let s meet Sally. SALLY She feels healthy, but she has not been to the doctor in several years Her 2016 screening results: 3 green good factors and 2 red risk factors (waist & HDL) She answered on OrangeLife Questionnaire: wanted to focus on nutrition wanted to receive her screening results & checklist online and be notified by when they are ready Hea H e S ad l allyly Cashier a Your Healthy Living Checklist: Sally, complete 2 items from your checklist by the deadlines below due May 1. Your second item is due September 1. Get a Health Tune Up with an Annual Physical: Call your doctor to schedule an annual physical. Need a doctor? Check out a couple of local in-network options below. Kickstart your healthier life with Weight Watchers: Participate for at least 6 weeks for free in the OnlinePlus Weight Watchers program. You ll have access to 24/7 expert and community support -- and much more. To get started, go to weightwatchers.com and enter your Employer ID and Employer Passcode. (NOTE: You can miss days as long as you reach 6 weeks total by the deadline. However, your free access to Weight Watchers will end if you do not participate for a continuous 14 days in a row after you begin. For questions, go to livetheorangelife.com/wwuserguide.) Learn more about Weight Watchers with this video: SAMPLE Fuel your way through the Health Challenge: We heard you and are here to help support you on a better path to nutrition. This summer, earn at least 25 points in the Fuel category of the Health Challenge to complete this item at hdhealthchallenge.com. Need a doctor? Here are some local in-network options. Text CIGNA to * or call Cigna at for more options. *Standard text messaging rates apply. Please check with your provider. Doctor Sample, MD Clinic Name 1234 Sample St. Chicago, IL Doctor Sample, MD Clinic Name 1234 Sample St. Chicago, IL How this works for Sally: Sally receives an that her screening results are ready. Sally logs on at livetheorangelife.com and gets her results and Checklist. Sally chooses to do: Annual physical by May 1 and Complete the Weight Watchers program by Sept. 1 Sally calls to schedule her annual physical for Mar. 15. Sally completes her physical on Mar. 15. She doesn t have to submit proof that she completed the item. Once the visit is processed by the carrier, it will automatically be marked as complete. Now that Sally has completed one item, she moves on to her second item and completes it by Sept. 1. Sally can log on at livetheorangelife.com any time to confirm where she stands on her Healthy Living Checklist. Sally s Checklist Note: Your individual health information is confidential and will be used and disclosed to program administrators only as necessary to administer this program and The Home Depot Medical Plan, as set forth in the Health Plan s Notice of Privacy Practices located in the Benefits Summary. A copy of the Benefits Summary can be found at livetheorangelife.com. Under no circumstances will such information be used or disclosed to The Home Depot for employment purposes. If your physician believes that 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. 11

12 DENTAL FREE DENTAL CHECK-UPS AND DISCOUNTED CARE FROM AN IN-NETWORK DENTIST. Dental Options 1 MetLife $500 Max 2 MetLife $1,000 Max 3 MetLife $2,000 Max In-network Dental Features FREE DENTAL CHECK-UPS. Two cleanings and checkups each calendar year are free (subject to your option s maximum annual benefit) 15% TO 45% DISCOUNT ON SERVICES. DISCOUNTS ON COSMETIC DENTISTRY. A Quick Look at Dental assumes in-network METLIFE $500 MAX METLIFE $1,000 MAX METLIFE $2,000 MAX Preventive Care 100% 100% 100% Restorative Care (fillings, oral surgery, root canals, periodontics) You pay 30% You pay 25% You pay 20% Major Care (crowns, bridges) Not covered You pay 60% You pay 50% Orthodontia (braces) Not covered You pay 50%, up to $750 lifetime maximum per covered dependent child You pay 50%, up to $1,500 lifetime maximum per covered dependent child LEARN MORE ABOUT DENTAL AND FIND IN-NETWORK PROVIDERS 12

13 VISION FREE VISION EXAMS FROM IN-NETWORK PROVIDERS. Vision Options 1 EyeMed Select $120 2 EyeMed Select $150 In-network Vision Features FREE VISION EXAMS. The plan covers one free eye exam every 12 months DISCOUNTS ON LASER VISION CORRECTION. PAY LESS FOR GLASSES AND CONTACTS AT EYEMED SELECT PROVIDERS. In-network Providers A Quick Look at Vision EYEMED SELECT $120 (IN-NETWORK) EYEMED SELECT $150 (IN-NETWORK) Disposable Contact Lenses Plan pays first $120, then you pay balance over $120 Plan pays first $150, then you pay balance over $150 Frames Plan pays first $120, then you pay 80% of balance over $120 frame benefit available once every 24 months Plan pays first $150, then you pay 80% of balance over $150 frame benefit available once every 12 months Lenses $15 copay $0 copay Lens Options Coverage Some covered, others available at a discount Covered in full LEARN MORE ABOUT VISION AND FIND IN-NETWORK PROVIDERS 13

14 MEDICAL PAYMENT PLAN THE MEDICAL PAYMENT PLAN PAYS A CASH BENEFIT IF YOU HAVE AN INPATIENT HOSPITAL STAY. A Quick Look at the Medical Payment Plan IF YOU RECEIVE THIS SERVICE: Hospital Admission (1 per year for the initial day one hospital stay) Daily Hospital Benefit (up to 100 days per coverage year) HOSPITAL ONLY YOUR CASH PAYMENT IS: $1,000 $100 A hospital stay means a period during which a covered person is confined in a hospital, treatment facility, hospice facility, skilled nursing facility or rehabilitation facility and charged for room, board and general nursing services. Stay does not include any period of such a confinement due to custodial or personal needs that do not require medical skills or training. Benefits are payable for pregnancy-related stays, visits and services provided on the same basis as for disease. Medical Payment Plan Features CASH BENEFIT GOES DIRECTLY TO YOU. If you are hospitalized after your Medical Payment Plan coverage begins, you will receive a lump-sum cash benefit. You also have the option of having your Medical Payment Plan benefit paid directly to your health care provider it s up to you. Cash When You Need It Most This example shows how the Medical Payment Plan pays benefits for a three-day hospital stay in February 2016 and a four-day hospital stay in June Medical Payment Plan Benefit Example February 2016 If you are enrolling in the Medical Payment Plan for the first time, pre-existing condition exclusions apply. Inpatient hospital stay admission (1 per year) Three-day inpatient hospital stay ($100 per day) $1,000 $300 TOTAL BENEFIT $1,300 LEARN MORE ABOUT THE MEDICAL PAYMENT PLAN Medical Payment Plan Benefit Example June 2016 Inpatient hospital stay admission (1 per year) Four-day inpatient hospital stay ($100 per day) $0 $400 TOTAL BENEFIT $400 NOTE: You can enroll in this plan regardless of whether you have medical coverage through The Home Depot. This plan does not count as Minimum Essential Coverage (MEC) under the Affordable Care Act (ACA) and does not satisfy the Individual Mandate under the ACA. Failure to have MEC and to satisfy the Individual Mandate may result in a tax penalty for you. The Medical Payment Plan is a supplement to health insurance and is not a substitute for major medical coverage. 14

15 SPENDING ACCOUNTS SAVE ON ELIGIBLE HEALTH CARE AND DEPENDENT CARE EXPENSES. A Quick Look at the Spending Accounts Health Care Spending Account Dependent Day Care Spending Account IN 2016 YOU CAN CONTRIBUTE: $260 minimum up to $2,550 maximum $260 minimum up to $5,000 maximum FOR ELIGIBLE EXPENSES YOU INCUR BETWEEN: January 1, 2016 March 15, 2017 January 1, 2016 December 31, 2016 IF YOU CONTRIBUTE $1,000/YEAR ($38 BI-WEEKLY) TO AN ACCOUNT, YOU LL SAVE AT LEAST: $266 a year $266 a year How You Save Money Using the Spending Accounts When you pay for eligible health care expenses such as deductibles, coinsurance, copayments and prescription drugs and dependent day care expenses through these accounts, you are using before-tax dollars, which are put into your account before taxes are taken out of your paycheck. The amount you save depends on your tax bracket and the tax rate in your state. So, if you re in the 15% tax bracket and you also pay the 7.65% Social Security/Medicare tax, you could save as much as 22.65% on expenses you pay for through the accounts. If you pay a state income tax or are in a higher tax bracket, you ll save even more. LEARN MORE ABOUT THE SPENDING ACCOUNTS 15

16 CRITICAL ILLNESS PROTECTION THE CRITICAL ILLNESS PLAN PAYS A LUMP-SUM BENEFIT FOR CERTAIN MEDICAL CONDITIONS. Your Critical Illness Benefit Amount Options $5,000 $10,000 $20,000 $30,000 LEARN MORE ABOUT CRITICAL ILLNESS PROTECTION Critical Illness Features THE CRITICAL ILLNESS PLAN PAYS A LUMP-SUM BENEFIT FOR SPECIFIC CONDITIONS, such as heart attack, stroke, cancer, transplant, Alzheimer s disease and paralysis and benefits for eligible travel and lodging expenses. See the chart below for a complete list of covered conditions. The plan is administered by Allstate Benefits. THE PLAN ALSO PAYS AN ANNUAL BENEFIT OF $75 FOR WELLNESS SERVICES. In some cases, that $75 could cover the cost of your Critical Illness Protection Plan coverage. CRITICAL ILLNESS PROTECTION PLAN BENEFITS ARE PAYABLE ONLY FOR CONDITIONS DIAGNOSED AFTER YOUR COVERAGE UNDER THE PLAN BEGINS. A Quick Look at Critical Illness Protection PLAN PAYS 100% OF BENEFIT AMOUNT FOR: PLAN PAYS 25% OF BENEFIT AMOUNT FOR: PLAN PAYS UP TO $75 PER CALENDAR YEAR FOR EACH COVERED PERSON FOR ONE OF THE FOLLOWING ELIGIBLE WELLNESS SERVICES: Heart attack Stroke Invasive cancer Heart transplant Lung transplant Liver transplant Pancreas transplant Kidney transplant Bone marrow transplant End stage renal failure Paralysis Complete blindness Complete loss of hearing Coma Benign brain tumor Alzheimer s Disease A covered person can receive benefits for each of the above critical illnesses if the dates of diagnosis for each critical illness are separated by at least 90 days. Coronary artery bypass surgery Carcinoma in situ Amyotrophic lateral sclerosis (Lou Gherig s disease) Adrenal hypofunction (Addison s disease) Bone marrow donor Cerebral palsy Cystic fibrosis Hemophilia Huntington s chorea Meningitis Multiple sclerosis Muscular dystrophy Myasthenia gravis Necrotizing fasciitis Osteomyelitis Scleroderma Sickle cell anemia Systemic lupus Tuberculosis Pre Biopsy test for skin cancer Biopsy for skin cancer Oral cancer screening Blood test for triglycerides Bone marrow testing Colonoscopy Echocardiogram Eletrocardiogram (EKG, including stress EKG) Flexible sigmoidoscopy Hemocult stool analysis Lipid panel (total cholesterol count) Mammography, including breast ultrasound Pap Smear, including Thin- Prep Pap Test PSA (prostate specific antigen blood test for prostate cancer) Serum Protein Electrophoresis (test for myeloma) Stress test on bike or treadmill Annual physical examination (only for covered persons over 18 years of age) Immunizations Transportation Benefit Lodging Benefit Reoccurrence Benefit Actual cost, up to $1,500, for round trip coach fare on a common carrier; or $.50 per mile for personal vehicle travel, up to $1,500, to a facility if more than 100 miles from place of residence. $60 per day up to 60 days if facility is more than 100 miles from residence. Only applies to lodging occurring within 24 hours of, and including days of treatment. A benefit of 100% of the previously paid amount will be paid if a covered person is diagnosed for a second time with a heart attack, stroke, coronary artery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after the first date of diagnosis for the critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor received any treatment during the 12 months after the prior occurrence. 16

17 MORE VALUABLE BENEFITS DURING YOUR ENROLLMENT SESSION, TAKE A LOOK AT THESE BENEFITS. Life Insurance Basic Life and Supplemental Life Insurance Dependent Life Insurance Disability Short-term Disability Long-term Disability Accidental Death & Dismemberment (AD&D) Associate-only AD&D Family AD&D MetLaw Legal Services Covered services such as wills and traffic issues are FREE when you use a network attorney If you enroll, your spouse/domestic partner and children can also use the plan FutureBuilder 401(k) Savings Plan Lower your tax bill today while saving for tomorrow with before-tax contributions Once you re eligible, you ll begin receiving matching contributions on the first 5% of pay you save through FutureBuilder Employee Stock Purchase Plan The Home Depot stock will be purchased for you at a 15% discount 17

18 BIWEEKLY PAYROLL DEDUCTIONS Payroll deductions for all other benefits will be available during your enrollment session. CLICK HERE FOR MEDICAL AND RX TOBACCO-USER PAYROLL DEDUCTIONS. 1 ASSOCIATE ONLY ASSOCIATE+SPOUSE ASSOCIATE + CHILD(REN) ASSOCIATE + FAMILY MEDICAL & RX (TOBACCO-FREE) 1 Gold PPO $ $ $ $ Silver Plus PPO $90.25 $ $ $ Silver Plus High Deductible Health Plan (HDHP) $81.50 $ $ $ Bronze HDHP 2 $43.00 $ $ $ Kaiser Permanente Gold HMO 3 $84.25 $ $ $ Kaiser Permanente California HDHP 3 $57.25 $ $ $ /7 CARE FOR MEDICAL ENROLLEES ONLY Doctor On Demand $0 $0 $0 $0 Teladoc $0 $0 $0 $0 HEALTHY LIVING CREDIT Healthy Living Credit 5 $25 $50 $25 $50 MEDICAL PAYMENT PLAN Hospital Only Plan 4 $7.38 $16.84 $13.76 $24.45 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 $2.12 $3.72 $3.85 $6.44 EyeMed Select $150 $7.74 $13.84 $14.50 $22.76 HEALTH SAVINGS ACCOUNT (HSA) HDHP participants can get Company matching contributions You can contribute up to this maximum amount annually to your HSA $3,150 $6,350 The Home Depot will match your HSA contribution up to: $200 $400 SPENDING ACCOUNTS Health Care Spending Account You can contribute $260 $2,550 6 Dependent Day Care Spending Account You can contribute $260 $5, 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 Kaiser Permanente (KP) HMO plan is only available in certain areas, based on home ZIP code. The KP HDHP is only available in certain California zip codes. 4 The Medical Payment Plan is NOT a traditional medical plan but will provide some limited assistance with hospitalization costs. 5 To receive the Healthy Living Credit, associate/spouse must be covered under an eligible Home Depot Medical plan and complete the credit steps. 6 You can contribute an additional $1,000 if you are age 55 or older. 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. 18

19 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 the U.S. except for Hawaii, Guam, Puerto Rico and U.S. Virgin Islands. Guides for these 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