Your 2017 Benefits. Enrollment FROM: MEDICAL AND OTHER BENEFITS ENROLLMENT REQUIRED WITHIN 31 DAYS OF HIRE

Transcription

1 Your 2017 Benefits Enrollment FROM: MEDICAL AND OTHER BENEFITS ENROLLMENT REQUIRED WITHIN 31 DAYS OF HIRE

2 GUIDE TO BENEFITS FOR DARDEN SALARIED EMPLOYEES CHECKLIST Learn about your benefits: Read this guide thoroughly Go to krowd > My Total Rewards > Benefits tab, under Resources to learn more about benefits available and plan details Enroll in benefits within 31 days of your hire date If enrolling dependents, check their eligibility in the Who s An Eligible Dependent? section on page 4 Go to krowd > My Total Rewards > Click Enroll Questions? Call the Total Rewards Service Center at Disclaimer This guide provides highlights of your Darden Benefits for the 2017 plan year. The material provided in this document is for informational purposes only. Nothing in this document in any way creates an express or implied contract of employment. Darden reserves the right to modify, replace or discontinue any of its plans and programs at any time. The benefits summarized in this document are governed by the relevant plan/policy documents. If there is any discrepancy, the plan/policy documents will prevail.

3 Welcome to Your Darden Benefits Program! Welcome to the Darden Team! As a member of the Darden family, you and your family have access to a wide range of benefits including medical, dental, and vision options as well as other helpful and life-enhancing programs like life and disability insurance and identity theft protection. It s important to note that you have 31 days from your hire date to enroll in medical, dental, and vision plans. This enrollment period is the only time you can enroll in benefits for 2017, unless you have a qualifying status change during the year. Please review this enrollment guide, and then access your My Total Rewards page on krowd to learn more. If you have additional questions, contact the Total Rewards Service Center at Again, welcome to the family! We re glad you re here. Don t miss out! Log on to krowd > My Total Rewards to learn about your benefits and enroll within 31 days of your hire date! 1

4 HOW TO ENROLL HOW TO: Log On, Learn More and Enroll For Your Benefits Log on to krowd from any computer and click on: My Total Rewards To learn about your benefits details, go to: My Total Rewards > Benefits > Resources To enroll, click the ENROLL NOW button or call the Total Rewards Service Center at DARDEN BENEFITS ENROLL! ENROLLMENT

5 WHAT YOU NEED TO ENROLL FOR Your Benefits and When to Enroll BENEFITS YOU MUST ENROLL NOW FOR COVERAGE Major Medical Health Care Flexible Spending Account (FSA) Day Care Flexible Spending Account (FSA) Health Savings Account (HSA) (Eligible if you enroll in a Bronze, Bronze Plus or Silver Medical Plan.) Accident (Aflac) Critical Illness (Aflac) Benefit Bundle (New Benefits) 1 st Day Choice Plans (Aetna) Dental Vision Short-Term Disability Long-Term Disability Life Insurance Dependent Life Insurance Group Legal Plan (LegalEASE) Identity Theft Protection (ID Watchdog) ENROLLMENT REQUIRED WITHIN 31 DAYS OF HIRE BENEFITS YOU CAN ENROLL FOR ANYTIME Darden Dimes Commuter Benefits Program Group Home and Auto Insurance Pet Insurance Identity Theft Protection FINANCIAL BENEFITS: Darden Savings Plan 401(k)* - Darden Savings Plan 401(k) Company Match** ESPP (Employee Stock Purchase Program)** *Must be 21 years old. ** Eligible after 1 st year anniversary. FREE BENEFITS: AUTOMATIC ENROLLMENT Work/Life 411 Employee Assistance Program (EAP) Darden Discount Mall Benefits Advocacy Dining Discount QUESTIONS? Call the Total Rewards Service Center at

6 DEPENDENT ELIGIBILITY INFORMATION Who s An Eligible Dependent? Many plans offer you the option to cover additional members of your family. In insurance terms, these family members are called dependents. Here s what you need to know about who s eligible for Darden benefits. ELIGIBLE DEPENDENTS: Child (covered up to age 26) Spouse A biological child A legally adopted child A stepchild A foster child A child for whom you are legal guardian, including grandchildren Disabled child must have been disabled prior to age 19 and must be physically or mentally handicapped, and incapable of self-support Children covered by a court order (QMCSO) Legally married spouse Common-law spouse (if your state recognizes common-law marriages) 4

7 ENROLL NOW: MAJOR MEDICAL Expressly For You: Your Major Medical Options ENROLL NOW The Affordable Care Act (ACA) requires that every U.S. resident have Major Medical insurance coverage. Those who go without medical coverage risk financial penalties and tax consequences. Fortunately, there are plenty of choices for Major Medical coverage, including plans offered by state and federal marketplaces as well as Darden and other employers. Carefully consider your available Major Medical options: 1. DARDEN MAJOR MEDICAL PLANS You can choose from 5 different Major Medical plan levels offered by multiple insurance carriers. Not all insurance carriers are available nationwide, but all the plans generally offer the same basic coverage from carrier to carrier. See My Total Rewards for costs, plan details and additional coverage tiers including Employee + Spouse and Employee + Child(ren). BRONZE / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $3,000 $6,000 Annual Out-of-Pocket Maximum $5,950 $11,900 Coinsurance 20% 20% Office Visit 20% 20% Prescriptions 20% 20% BRONZE PLUS / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $2,250 $4,500 Annual Out-of-Pocket Maximum $3,575 $7,150 Coinsurance 20% 20% Office Visit 20% 20% Prescriptions 20% 20% HSA ELIGIBLE HSA ELIGIBLE SILVER / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $1,500 $3,000 Annual Out-of-Pocket Maximum $3,575 $7,150 Coinsurance 20% 20% Office Visit 20% 20% Prescriptions 20% 20% HSA ELIGIBLE GOLD / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $600 $1,200 Annual Out-of-Pocket Maximum $3,500 $7,000 Coinsurance 20% 20% Office Visit/Specialist $20/$35 $20/$35 Prescriptions $8 generic $8 generic PLATINUM / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible N/A N/A Annual Out-of-Pocket Maximum $1,500 $3,000 Coinsurance 0% 0% Office Visit/Specialist $20/$35 $20/$35 Prescriptions $4 generic $4 generic *Plan designs may vary in CA. See My Total Rewards for details. All Out-of-Pocket Maximum expenses include Annual Deductible, Coinsurance, Office Visits, Copays and Prescriptions. Coinsurance costs shown are what you pay after deductible is met. Premium costs vary by insurance carriers. 5

8 ENROLL NOW: MAJOR MEDICAL 2. GOVERNMENT MARKETPLACE The government marketplace offers multiple insurance choices from different insurance carriers. Darden s State Medical 411, powered by Stride Health, helps you navigate your options to find the right plan for your budget. You can easily check to see if you qualify for a government subsidy to save money on your monthly premium cost. Individuals who qualify for a subsidy save over $300 per month on average! Find your plan at 3. A PLAN FROM A NON-DARDEN SOURCE Perhaps there s another plan that s a better package for you, like one belonging to a spouse or parent or a plan through another employer or school. Check out these alternatives to learn more about options and enrollment dates. 4. NO MAJOR MEDICAL COVERAGE The choice is yours, but going without ACA-approved Major Medical coverage could subject you to a government tax penalty. 100% COVERAGE for things that help you stay healthy: Preventive care* is covered 100% by all plans. *Includes annual checkups, annual mammograms, well-woman and well-child checkups. TIP: When selecting medical coverage, be sure to take advantage of the HELP ME CHOOSE tool, available during the enrollment process. It s easy to use, and it can be a big help in deciding which medical plan is right for you. TIP: Choosing a Bronze, Bronze Plus or Silver Plan? Consider contributing to a HEALTH SAVINGS ACCOUNT (HSA)! An HSA is an easy way to save and pay for healthcare expenses like prescriptions, copays and other costs, and you ll enjoy a triple tax advantage. Read more in the HSA and FSA section. You MUST enroll for your Darden Major Medical coverage within 31 days of your hire date or go without coverage until Open Enrollment in the fall. 6

9 ENROLL NOW: HSA AND FSAs Make Savings Part of the Package ENROLL NOW HEALTH SAVINGS ACCOUNT (HSA) If you enroll in a Darden Bronze, Bronze Plus or Silver Major Medical plan, an HSA lets you set aside pre-tax dollars for eligible out-of-pocket medical expenses like: Deductibles Medical treatment before your deductible is met Copays Over-the-counter medicines (with a doctor s prescription) Non-covered medical and healthcare supplies and dental treatment And much more! Prescriptions Your HSA funds are accessed with a debit card. Any HSA funds you don t access roll over each year and grow automatically. Your HSA account is portable: if you leave Darden, you can take it with you! By lowering your annual taxable income, an HSA may reduce your taxes. Also, eligible HSA withdrawals are non-taxable. You can enroll or change your contributions any time during the year as long as you remain enrolled in your health plan. You can contribute up to $3,400 for employee-only coverage and $6,750 for all other coverage levels. If you are age 55 or over, you can make additional catch-up contributions of up to $1,000 per year. HEALTH CARE AND DAY CARE FLEXIBLE SPENDING ACCOUNTS (FSAs) FSAs let you set aside money before taxes to pay for eligible out-of-pocket expenses. Darden offers two types of FSAs: 1) HEALTH CARE FLEXIBLE SPENDING ACCOUNT (FSA) lets you contribute between $200 and $2,550 per year for eligible health-related expenses like prescriptions, therapy, etc. Employees are able to roll over $500 at the end of the plan year. Note: If you enroll in both the Health Savings Account and the Health Care FSA, your FSA will be a limited-use FSA. See My Total Rewards > Benefits tab for plan details. 2) DAY CARE FLEXIBLE SPENDING ACCOUNT (FSA) FOR CHILDREN & ELDERS lets you contribute between $200 and $5,000 (before taxes) per year and helps cover the costs of: Child care services for eligible dependent children under age 13 Services to care for other qualified dependent family members (e.g., elder care) Unspent FSA funds do not roll over at the end of the plan year. ENROLL NOW You MUST enroll for FSA accounts within 31 days of your hire date unless you have a qualifying life event. You can enroll in an HSA anytime as long as you are enrolled in a Bronze, Bronze Plus or Silver Plan. 7

10 ENROLL NOW: OTHER MEDICAL OPTIONS Other Medical Options The following programs are NOT ACA-approved Major Medical insurance options. They are programs designed to meet special coverage needs. 1 ST DAY CHOICE (through Aetna)* This is an affordable plan that helps you access routine care and manage costs. This plan reimburses you from the first dollar you spend for services such as office visits, prescription drugs and hospital stays. WEEKLY RATES 1 st DAY CHOICE BASIC 1 st DAY CHOICE PLUS Employee $7.49 $15.35 Employee + Spouse $17.87 $32.42 Employee + Child(ren) $15.88 $28.82 Employee + Family $25.79 $46.68 *Not available in HI, ND and NH. BENEFIT BUNDLE (through New Benefits)* This low-cost option helps you take care of basic/routine health needs for just $1.24/week. 24/7 Medical Help through Teladoc: speak with a medical professional over the phone for non-critical healthcare needs. Discounts for Retail & Urgent Care Clinics. Discounts on Prescriptions with your Prescription Discount Card. *Not available in HI, VT and WA. ACCIDENT COVERAGE (through Aflac) Did you know that total treatment for a broken leg can cost more than $20,000? Accident Coverage works as a medical-cost safety net, paying cash benefits of up to 25% of the total treatment and related costs associated with accident injuries. Covered injuries include lacerations, burns, sprains, dislocations, fractures and paralysis. Benefits are often paid within one day of the claim, so the money is available fast. Visit My Total Rewards for costs and additional plan details. CRITICAL ILLNESS (through Aflac) Critical Illness coverage helps protect you and your family from the sometimes devastating costs of a serious illness or condition such as a heart attack, stroke or sudden illness. Combine it with other medical coverage or use it on its own to pay costs not covered by your Major Medical coverage. It pays cash benefits, often within one day of your claim for treatment expenses. Aflac s plan gives you two payment options for your Critical Illness expenses: A lump-sum payment of up to $20,000 paid directly to you. Treatment-based benefits that pay over time. Visit My Total Rewards for costs and additional plan details. 8

11 ENROLL NOW: DENTAL Dental Coverage: Bronze, Silver, Gold and Platinum Levels Dental plans are offered by multiple insurance carriers at Bronze, Silver, Gold, and in limited areas, Platinum levels. Note that the Bronze-level plan does not cover major dental services and orthodontic treatment. See My Total Rewards for costs, plan details and additional coverage tiers including Employee + Spouse and Employee + Child(ren). PRIORITY INFO: Preventive Dental Care like annual checkups is 100% COVERED under all dental plans! BRONZE / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $100 $300 Preventive Care 100% covered by plan; deductible waived 100% covered by plan; deductible waived Annual Maximum Benefit $1,000 $1,000 per individual Minor Restorative 20% of cost 20% of cost Major Restorative Not Covered Not Covered Orthodontic Coverage Not Covered Not Covered Lowest Cost Weekly Premium $3.32 $11.94 SILVER / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $100 $300 Preventive Care 100% covered by plan; deductible waived 100% covered by plan; deductible waived Annual Maximum Benefit $1,500; excludes orthodontics $1,500 per individual; excludes orthodontics Minor Restorative 20% of cost 20% of cost Major Restorative 40% of cost 40% of cost Orthodontic Coverage Not Covered Child only; 50% of negotiated fee per child Lifetime Orthodontic Benefit Max Not Covered $1,500 per child Lowest Cost Weekly Premium $6.06 $21.82 GOLD / IN-NETWORK INDIVIDUAL FAMILY Annual Deductible $50 $1500 Preventive Care 100% covered by plan; deductible waived 100% covered by plan; deductible waived Annual Maximum Benefit $2,000; excludes orthodontics $2,000 per individual; excludes orthodontics Minor Restorative 20% of cost 20% of cost Major Restorative 20% of cost 20% of cost Orthodontic Coverage 50% of negotiated fee Adult and Child; 50% of negotiated fee per individual Lifetime Orthodontic Benefit Max $2,000 $2,000 per individual Lowest Cost Weekly Premium $10.77 $38.77 PLATINUM / IN-NETWORK INDIVIDUAL AND FAMILY Annual Deductible $0 Preventive Care 100% covered by plan Annual Maximum Benefit Does not apply Minor Restorative Copay based on schedule Major Restorative Copay based on schedule Orthodontic Coverage Adult and Child; $1,150 - $2,100 per individual; check with plan Lifetime Orthodontic Benefit Max Lifetime maximum does not apply Lowest Cost Weekly Premium Availability varies by region; see My Total Rewards for cost Platinum is less expensive and provides greater coverage when you see an in-network dentist, but note that Platinum does not offer coverage if you go outside of the network. 9

12 ENROLL NOW: VISION Take a Look: Your Vision Options As with Major Medical and Dental, these plans are offered by different insurance carriers depending on where you live and work, but the plans coverage is generally the same. Use the Find Your Provider tool to see if your provider is in a network before enrolling. There are financial advantages to choosing eye care providers inside your plan s network. See My Total Rewards for costs, plan details and additional coverage tiers including Employee + Spouse and Employee + Child(ren). BRONZE / IN-NETWORK INDIVIDUAL FAMILY Exam/Lens/Frames Frequency Once per plan year Once per plan year Routine Vision Exams Covered in full Covered in full Frame Benefits 20% discount may apply 20% discount may apply per individual Lenses 20% discount may apply 20% discount may apply per individual Elective Contact Lenses Not Covered Not Covered Lowest Cost Weekly Premium $0.30 $0.90 SILVER / IN-NETWORK INDIVIDUAL FAMILY Exam/Lens/Frames Frequency Once per plan year Once per plan year Routine Vision Exams $20 copay $20 copay Frame Benefits $100 allowance; in lieu of elective contact lenses $100 allowance per individual; in lieu of elective contact lenses Lenses $20 copay; check plan for further details $20 copay; check plan for further details Elective contact lenses $100 allowance; in lieu of lens and frame hardware Lowest Cost Weekly Premium $1.23 $3.77 $100 allowance per individual; in lieu of lens and frame hardware GOLD / IN-NETWORK INDIVIDUAL FAMILY Exam/Lens/Frames Frequency Once per plan year Once per plan year Routine Vision Exams $10 copay $10 copay Frame Benefits $200 allowance; in lieu of elective contact lenses $200 allowance per individual; in lieu of elective contact lenses Lenses $10 copay; check plan for further details $10 copay; check plan for further details Elective contact lenses $200 allowance; in lieu of lens and frame hardware Lowest Cost Weekly Premium $2.09 $6.38 $200 allowance per individual; in lieu of lens and frame hardware 10

13 ENROLL NOW: OTHER BENEFITS Now Delivering: Additional Benefits FOR MORE DETAILS: Visit My Total Rewards or call the Total Rewards Service Center at SHORT-TERM DISABILITY You are automatically enrolled in this company-provided benefit. Coverage generally applies to non-work-related sicknesses or injuries such as maternity, surgery and hospitalization when you are disabled for more than 7 days. Upon approval of your disability, you will be paid up to 90 days of full pay or a combination of full and 2 / 3 pay depending on your length of service. Restrictions and exclusions apply. See My Total Rewards > Benefits tab on krowd for more details. LONG-TERM DISABILITY Long-Term Disability (LTD) provides a monthly income if you are totally disabled. Payments will start after you have been disabled for 90 days. If enrolled, you will generally receive 66.67% of your eligible monthly pay. Restrictions and exclusions apply. See My Total Rewards > Benefits tab on krowd for more details and costs. LIFE INSURANCE You are automatically enrolled in company-provided Basic Term Life Insurance coverage of one or four times your annual salary. You can purchase optional Supplemental Coverage up to two or five times your annual salary for maximum coverage of six times your annual salary. The maximum benefit for Life Insurance, between company-provided and supplemental insurance, is $1.5 million. For complete plan details and costs, go to krowd > My Total Rewards > Benefits tab. You can also purchase Dependent Life Insurance for your eligible spouse and child(ren). The cost of coverage is $0.63 per week. Dependent Life Insurance pays you a lump sum amount if your covered spouse/child dies. Children are covered up to age 23. Eligible Spouse: $25,000 Eligible Child: $7,500 11

14 ENROLL NOW: OTHER BENEFITS ENROLL NOW IDENTITY THEFT PROTECTION (through ID Watchdog) Get peace of mind with this plan, which offers you and your family protection and remediation in cases where your identity is stolen or otherwise compromised. Individual and family coverage is available; covered services include: Identity and credit monitoring Monthly credit score tracking Credit restoration, if needed Individual Coverage Weekly Cost: $2.07 Family Coverage Weekly Cost: $3.91 GROUP LEGAL PLAN (through LegalEASE) For just $4.34 per week, our Legal Services Provider, LegalEASE, offers unlimited fee-free access to a network of lawyers for matters like divorce, wills or identity theft. EXTRAS 12

15 AUTOMATIC ENROLLMENT: OTHER ADVANTAGES Special Delivery: Other Darden Advantages FOR MORE DETAILS: Visit My Total Rewards or call the Total Rewards Service Center at At Darden, we know a healthy, happy team is a winning team. That s why we offer various benefits and perks to help you deal with whatever life brings and to make life better! YOU RE AUTOMATICALLY ENROLLED IN THESE FREE BENEFITS: WORK/LIFE 411 (EAP+) Work/Life 411 provides you and your family members free, confidential support and valuable resources including short-term counseling, legal guidance, financial resources and help with other work/life concerns. It s available online or by phone 24 hours a day, 7 days a week. Online: guidanceresources.com Organization Web ID: Work/Life411 Phone: DARDEN DISCOUNT MALL The Darden Discount Mall is where you can get exclusive discounts on everyday purchases like: Cell phone plans Hotel and travel Theme park tickets And more! Visit Darden s Discount Mall on My Total Rewards to take advantage of all the discounts available to you! BENEFITS ADVOCACY The Benefits Advocacy service provides a helping hand when you need it. From understanding and using your healthcare benefits to helping you find answers about your retirement plan, Benefits Advocacy offers free assistance in resolving healthcare billings, getting a second opinion when necessary, locating doctors, hospitals and other healthcare providers, and helping you understand a medical diagnosis, treatment and your options. Give them a call at DINING DISCOUNT A 25% discount is available for food and non-alcoholic beverages for you and up to 7 guests at all Darden restaurants. 13

16 ENROLL ANYTIME: OTHER ADVANTAGES YOUR BENEFITS, DELIVERED! Enroll at My Total Rewards on krowd. ENROLL ANYTIME: DARDEN DIMES Darden Dimes is an employee-funded emergency assistance fund to help when life gets rough. A storm blows through and a Team Member needs temporary housing; a threat arises and children need to be moved to a safe location. Whether you need help or want to help, Darden Dimes makes a real difference in our Team Members lives. COMMUTER BENEFITS PROGRAM A commuter program that allows you to save money on mass transit costs to and from work while you are actively employed by purchasing transit/vanpool passes with pretax dollars directly from your pay. You can deduct up to $255 per month on a pretax basis for commuter mass transit such as bus, commuter rail, ferry, train, light rail or vanpool. To learn more or to enroll, go to krowd > My Total Rewards > Benefits > I Want To > Enroll In Commuter Benefits. GROUP HOME AND AUTO INSURANCE Discounted insurance for home and auto. PET INSURANCE Health insurance for pets. SAVE FOR YOUR FUTURE ENROLL ANYTIME AFTER ELIGIBILITY REQUIREMENTS ARE MET: DARDEN SAVINGS PLAN 401(k) If you re at least 21 years of age, you can contribute up to 25% of your pay on a before- or after-tax basis. DARDEN SAVINGS PLAN 401(k) COMPANY MATCH Darden will match up to 6% of your contributions after one year of service and 1,000 hours. This match can range from 25% to 120% depending on company performance (5-year vesting schedule). ESPP (EMPLOYEE STOCK PURCHASE PLAN) Team Members with one year of service averaging more than 20 hours per week during the plan evaluation period can take advantage of a 15% discounted purchase of Darden stock. You can elect to deduct up to $380 per week toward the purchase of Darden stock. HELPING YOU BUILD A FINANCIAL FUTURE AS YOU CONTINUE TO BUILD YOUR CAREER. 14

17 IMPORTANT NOTICES Below is a summary of important rights you have under Darden s health plans. (These notices do not apply to voluntary benefits, such as 1 st Day Choice and Benefit Bundle.) More detailed notices describing these rights are available upon request. If you have questions or would like a paper copy of any notice, contact the Total Rewards Service Center. HIPAA Special Enrollment: If you waive coverage under the Darden medical plan for yourself or your dependent(s) during Open Enrollment because of coverage under another plan, you can enroll in Darden medical plan coverage if you or your dependent(s) lose eligibility for that other coverage (or if the employer stops contributing toward the cost of the other coverage). If you obtain new dependents as a result of marriage, establishment of a new domestic partnership, birth, adoption, or placement for adoption, you can enroll yourself and your dependent(s) in the Darden medical plan. You must contact Total Rewards to request special enrollment within 31 days of the loss of other coverage or marriage/domestic partnership and within 60 days of birth, adoption, or placement for adoption. CHIPRA Special Enrollment: If you are eligible for health coverage from Darden but are unable to afford the premiums, your State may have a premium assistance program that can help you pay for coverage, using funds from Medicaid or children s health insurance programs (CHIP). Contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependent(s) become eligible for premium assistance under Medicaid or CHIP, Darden is required to permit you and your dependent(s) to enroll in medical plan coverage (if you are eligible). You must request this special enrollment opportunity within 60 days of being determined eligible for premium assistance. Notice of Privacy Practices: Darden maintains a Notice of Privacy Practices that provides information to individuals whose protected health information (PHI) will be used or maintained by Darden s health plans. The Notice of Privacy Practices describes how the plans protect PHI, how it will be used, and your rights with respect to your own PHI. The notice is available on the Total Rewards website, or you can contact the Total Rewards Service Center to request a paper copy. Newborns and Mothers Health Protection Act: Darden s medical plan will not restrict benefits, and will not require authorization from the plan or the insurance issuer, for any childbirth-related hospital stay not in excess of 48 hours following a normal delivery or 96 hours following a cesarean section. Women s Health and Cancer Rights Act: Darden s medical plan covers mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy (including lymphedema). Normal coinsurance/copayments may apply. Medicare Part D Creditable Coverage: Medicare Part D prescription drug coverage is available to everyone with Medicare. Darden has determined that the prescription drug coverage provided through Darden s medical plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered creditable coverage. If you or a dependent are Medicare-eligible, you should compare your available Darden coverage, including which drugs are covered at what cost, with the coverage and costs of the Part D plans offering Medicare prescription drug coverage in your area. For information about Medicare prescription drug coverage, refer to the Medicare & You handbook, visit or call MEDICARE ( ). TTY users should call _Salaried_NewHire_EnrollmentGuide

18 ND A L A C FITS MEDI E N E RB OT H E M E N T LL ENRO ED WITHIN IR R EQ U O F H I R E YS 31 DA _Salaried_NewHire_EnrollmentGuide