2017 Health Care Qualifying Hours Enrollment. Guide for Health Care Qualifying Hours Associates

Transcription

1 207 Health Care Qualifying Hours Enrollment Guide for Health Care Qualifying Hours Associates

2 HEALTH CARE QUALIFYING HOURS ENROLLMENT You are receiving this enrollment guide as our records indicate that you have met the required hours of service to be eligible for health care benefits through The Home Depot for the 207 plan year. Under the plan, new part-time associates who work on average 30 hours or more per week during a -month initial look-back measurement period are eligible for health care coverage. This guide will give you high-level information about these benefits. For complete benefit details and eligibility rules, see the 207 Benefits Summary for Health Care Qualifying Hours Associates at livetheorangelife.com. These health care benefits are offered in addition to the standard benefit offering as a part-time associate. For complete details of the benefits offered to you as a part-time associate, see the 207 Benefits Summary for U.S. Part-Time Hourly Associates at livetheorangelife.com. You may also request a paper copy by calling the Benefits Choice Center at Plans Available to Health Care Qualifying Hours Associates MEDICAL & RX See pages & 2 24/7 CARE See page 3 HEALTH CARE SPENDING & HEALTH SAVINGS ACCOUNTS See page 4 IMPORTANT DATES You must enroll by the deadline on the back of this guide to have health care coverage in 207. Your health care coverage will begin as of the date on the back of this guide. HOW TO ENROLL You can only enroll by calling the Benefits Choice Center at Representatives are available M-F, 9 a.m. 7 p.m. ET. NOTE: Also available to help you make an informed choice among the medical plan options being offered to you are the Summaries of Benefits and Coverages (SBCs), which summarize important information about each health coverage option in a standard format, to help you compare across each of the options. The SBC is available at livetheorangelife.com/sbc. A paper copy is also available, free of charge, by calling the Benefits Choice Center at Additionally the Exchange Notice applicable to you as a Health Care Qualifying Hours Associate is available at livetheorangelife.com/enhours.

3 MEDICAL LEARN ABOUT YOUR OPTIONS. 207 Medical Carriers 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 207. The carrier(s) and network available to you will depend on your ZIP code. FOR MORE INFORMATION Medical Payroll Deductions see page 5. A Quick Look at the Medical Options Assumes in-network and associate-only coverage GOLD PPO SILVER PLUS PPO SILVER PLUS HDHP, 2 BRONZE HDHP, 2 GOLD HMO 3 KAISER PERMANENTE KAISER PERMANENTE CALIFORNIA SILVER PLUS HDHP 2,3 Deductible $750 $,500 $2,000 $3,500 $500 $2,000 Medical Out-of-Pocket Maximum $5,000 $5,000 $5,000 $6,350 $2,500 $5,000 Rx Out-of-Pocket Maximum $,250 $,250 No separate Rx No separate Rx No separate Rx No separate Rx out-of-pocket maximum out-of-pocket maximum out-of-pocket maximum out-of-pocket maximum Total Out-of-Pocket Maximum $6,250 $6,250 $5,000 $6,350 $2,500 $5,000 Primary Care Office Visit $25 $35 $25 Specialist Office Visit $50 30% 20% after 30% after $35 20% after deductible deductible deductible Inpatient Hospital 20% after deductible 30% after deductible 20% after + $200 copay + $300 copay deductible 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), BlueChoice (in D.C.), BlueChoice Open Access POS (in NH) and BlueCard 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 HDHP refers to High Deductible Health Plan. 3 Not available in all locations. Benefits may vary by location where available. See the 207 Benefits Summary for Health Care Qualifying Hours Associates for more details.

4 RX INCLUDED IN YOUR MEDICAL PLAN. IF YOU ENROLL IN A KAISER PERMANENTE PLAN, RX COVERAGE WILL BE THROUGH KAISER PERMANENTE. SEE THE 207 BENEFITS SUMMARY FOR MORE INFORMATION. In-network Pharmacies The prescription drug benefit 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 and associate only coverage Rx Out-of-Pocket Maximum GOLD PPO SILVER PLUS PPO SILVER PLUS HDHP BRONZE HDHP $,250 individual $,250 individual No separate Rx out-of-pocket maximum No separate Rx out-of-pocket maximum Generic You pay 20%; $20 maximum Preferred Brand You pay 20%; $00 maximum Non-preferred Brand You pay 60%; $300 maximum Deductible does not apply for eligible preventive care prescriptions. You pay 20%; $20 maximum You pay 20%; $00 maximum You pay 60%; $300 maximum 20% after deductible 30% after deductible 40% after deductible 65% after deductible 2

5 24/7 CARE FOR MEDICAL ENROLLEES QUICK AND AFFORDABLE CARE ANYTIME, ANYWHERE. About this Benefit FREE membership for associates and dependents enrolled in a Home Depot Medical plan. 2 Low cost for quality care: PPO enrollees: $5 copay HDHP enrollees: subject to deductible and coinsurance 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, on holidays and weekends You get to choose your doctor, your appointment time (right away or schedule when convenient for you) What Associates are Saying About 24/7 Care This is a fabulous service! So easy and convenient! I highly recommend taking advantage of it. Best part is being able to see the doctor from your own home and not expose yourself to the germs of others in the waiting room. Exceeded my expectations in every sense of the visit. The doctor was amazingly fast. Asked very pertinent questions and listened to the answers. Would recommend this service to anyone who has a computer or tablet. Five stars!! 24/7 Care Options 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 Psychology & psychiatry services for stress, anxiety and depression Video Only Video or Voice Call X X X X Dermatology X X This is the best program. I can resolve my issue at 7 pm at night. No ER or sitting in the doctor office for an hour!!!! Makes getting better easy. Thank you. This was the most convenient & best Dr's visit I've ever had...never thought I would say that. Additionally, Dr. B took the time to explain my symptoms and answered all of my questions, she was great. Thank you for helping me! Now I just want to feel better! 24/7 Care is not available in AR due to state laws. 2 Doctor On Demand is not available in AK. If you enroll in a Kaiser Permanente Medical Plan through The Home Depot, your 24/7 Care will be provided through Kaiser Permanente. 3

6 HEALTH CARE SPENDING & SAVINGS ACCOUNTS SAVE ON ELIGIBLE HEALTH CARE EXPENSES. A Quick Look at the Spending Accounts Health Care Spending Account IN 207 YOU CAN CONTRIBUTE: $260 minimum up to $2,600 maximum FOR ELIGIBLE EXPENSES YOU INCUR BETWEEN: January, 207 March 5, 208 HOW YOU SAVE MONEY USING THE SPENDING ACCOUNT IF YOU CONTRIBUTE $,000/YEAR ($38 BI-WEEKLY) TO AN ACCOUNT, YOU LL SAVE AT LEAST: $266 a year When you pay for eligible health care expenses such as deductibles, coinsurance, copayments and prescription drugs through this account, 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 5% 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. 4 The Health Savings Account (HSA) Option THE HEALTH SAVINGS ACCOUNT (HSA) IS AVAILABLE TO YOU IF YOU ARE: Enrolled in the Silver Plus High Deductible Health Plan or the Bronze High Deductible Health Plan; and Not covered under another medical plan that is not an HDHP such as your spouse s medical plan. A Quick Look at the Health Savings Accounts IF YOUR HDHP COVERAGE CATE- GORY IS: COOL HEALTH SAVINGS ACCOUNT FEATURES You Could Save as Much as 22% on Health Care depending on your tax bracket when you pay for eligible expenses with tax-free dollars through the account you ll save even more if you pay state income tax. Home Depot Provides Matching Contributions to Your HSA. Instant Access to Your HSA Using the YSA Debit Card. No claim forms, no paying out-of-pocket when you use your YSA card, your eligible expenses are deducted automatically from your health care account. Your HSA Earns Interest. YOU CAN CONTRIBUTE UP TO THIS MAXIMUM AMOUNT ANNUALLY TO YOUR HSA : THE HOME DEPOT WILL MATCH YOUR HSA CONTRIBUTION UP TO: Associate only $3,200 $200 Associate + spouse Associate + child(ren) Associate + family $6,350 $400 Annual maximum includes Company matching contributions.

7 3 207 BIWEEKLY PAYROLL DEDUCTIONS Payroll deductions for all other benefits will be available during your enrollment session. MEDICAL & RX (TOBACCO-FREE) Gold PPO $8.50 $ $ $ Silver Plus PPO $94.25 $ $98.50 $ Silver Plus High Deductible Health Plan (HDHP) $85.25 $ $82.00 $3.00 Bronze HDHP $44.25 $62.25 $9.50 $99.25 Kaiser Permanente Gold HMO 2 $86.25 $ $76.25 $ Kaiser Permanente California Silver Plus HDHP 2 $58.50 $54.50 $06.75 $ /7 CARE FOR MEDICAL ENROLLEES ONLY Doctor On Demand $0 $0 $0 $0 Teladoc $0 $0 $0 $0 HEALTH SAVINGS ACCOUNT (HSA) HDHP participants can get Company matching contributions You can contribute up to this maximum amount annually to your HSA 3 $3,200 $6,350 The Home Depot will match your HSA contribution up to: $200 $400 SPENDING ACCOUNT Health Care Spending Account ASSOCIATE ONLY ASSOCIATE + SPOUSE ASSOCIATE + CHILD(REN) You can contribute $260 $2,600 annually ASSOCIATE + FAMILY 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 5% higher), visit livetheorangelife.com. Associates covering three or more children will pay an additional $25 per biweekly pay period. 2 Kaiser Permanente (KP) HMO plan is only available in certain areas, based on your ZIP code. The KP HDHP is only available in certain California ZIP codes. 3 You can contribute an additional $,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. TOBACCO-FREE STATUS Don t forget to make your Tobacco-Free Certification. The Tobacco- Free definition that we use aligns with the FDA s Center for Tobacco Products definition. The Medical Plan recognizes the use of tobacco products as any of the following: Cigarettes Cigars Dissolvable tobacco products Electronic Delivery Systems (such as e-cigarettes/vape pens) Pipes Smokeless tobacco Roll-your-own tobacco 5 If you do not certify that you are Tobacco-Free, you will automatically receive Tobacco-User Medical payroll deductions. PLEASE NOTE: After the 207 Health Care Qualifying Hours Enrollment Period you will not be able to make a change unless you experience a Qualifying Life Event. This is a requirement by the Federal Government. To qualify for the Tobacco-Free Medical payroll deductions, you must actively certify during your enrollment that you are at least 4 months Tobacco-Free (or have never used tobacco) and will continue to be Tobacco-Free in 207. If you think that you are unable to meet the Tobacco-Free standards, contact the Benefits Choice Center 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.

8 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 Health Care Qualifying Hours Associates living in the U.S. except for the Imagine Health area. 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 207. 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 _US HCQH_ONGOING