benefits annual enrollment guide - Home Depot Live The Orange Life

20 Pages·2013·1.26 MB·English

Your 2014
BENEFITS ANNUAL
ENROLLMENT GUIDE
Your
Action
Needed!
Valuable Benefits Available Exclusively to You
For California Full-time Associates
NEW
OPTIONS FOR
2014. Learn
more inside!
¿No hablas o lees inglés?
Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al
1-800-555-4954 y diga “Estados Unidos” para hablar con un representante en español.
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 the communications tab. The Health and Welfare Plans’ Summary Annual Reports will be
posted to livetheorangelife.com under the communications tab in early 2014.The annual Medicare Part D notice has also been posted to livetheorangelife.com under communications and
a paper copy can be requested by calling the Benefits Choice Center at 1-800-555-4954.
What’s Inside...
1 ENROLLMENT 12 MORE BENEFITS
Review this important TO ENROLL IN
information and take action. Don’t miss new offerings
for 2014!
2 HEALTH CARE
REFORM 13 PAYROLL
Key parts of the new health DEDUCTIONS
care law take effect in 2014. Review the costs for coverage.
3 MEDICAL & 14 OTHER VALUABLE
PRESCRIPTION DRUG BENEFITS
Learn about the new Take advantage of these
medical plan options. throughout the year.
10 HEALTHY LIVING 16 AFFORDABLE CARE
CREDITS ACT REQUIRED
We’re continuing our focus
LEGAL NOTICE
on health improvement.
WHAT YOU NEED TO KNOW for 2014 Annual Enrollment
You must take action during enrollment to:
• Enroll in medical coverage. If you do not take action and are enrolled
in a Home Depot medical plan in 2013, you will automatically
be defaulted into the Gold HMO Blue Shield medical option.
• Have Basic Life, Basic Dependent Life or Basic AD&D coverage.
• Receive Healthy Living Credits in your paychecks.
• Participate in the spending accounts.
• Enroll or change your election in your other benefits like dental and vision coverage. If you do not
make a change, you will be defaulted into your current option for these benefits.
2014 Annual Enrollment Period: Nov. 12- Nov. 22
2014 Annual Enrollment Timeline
October & November December
• Check your 2014 medical plan • Get the details of your 2014 • Look for information on the 2014
carrier and network. If needed, benefit options in the electronic Hidden Health Risk Screening.
nominate your provider to be in annual enrollment guide. • Watch for your new medical ID
the network and get transition
• Enroll in your 2014 benefits cards at your home (except
of care information.
during your annual enrollment current Kaiser Permanente
period (see above). enrollees will not receive a new
card if they stay enrolled in a
• Complete the online Health Kaiser Permanente option).
Assessment as part of your
Building Better Health Credit. • Provide required information
to verify your covered spouse or
domestic partner (e.g., marriage
VISIT livetheorangelife.com certificate). After you enroll, a
> Annual Enrollment. documentation request will be
sent to your home address.
Do all of this and more at livetheorangelife.com.
livetheorangelife.com 1
Watch the video on
Home Depot’s 2014
benefit changes, also
found on livetheorangelife.com
under Annual Enrollment.
Health Care
Reform in 2014
2014 is an important year as key provisions of
the health care law go into effect, including:
• The creation of the new public Marketplace (or
“exchange”) where you can shop for Health Care
insurance beginning in October for coverage
beginning as early as January (see comparison chart below and notice on pages 16-17)
• The requirement for most individuals to have Minimal Essential medical coverage. Learn more
at livetheorangelife.com/IM
QUICK COMPARISON of Marketplace Coverage to the
2014 Coverage Offered Through The Home Depot for Full-time Associates
The Home Depot Public Marketplace
Coverage Coverage
The Home Depot contributes to the cost of coverage Yes No
Can be paid pre-tax and through payroll deductions Yes No
Plan options named by level of coverage (for example Gold, Silver, Bronze) Yes Yes
C
Moinveimraagl eE ssaetinstfiiaels C tohvee nraewge r (eaqsu piraermt oefn t hteh ahte maloths tc ianrdei vlaidwu)als have Yes Yes
MGoavrekrentmplaecnet tcaoxv cereadgiets (subsidies) available to help pay for No hoBusaesheodl do nin ycooumr e*
* Individuals who are offered coverage through their employer may be eligible for subsidized coverage in a Marketplace plan (through tax credits)
if the cost of their employer’s coverage is unaffordable (associate-only coverage contribution is more than 9.5% of their household income).
Tools To Help With Health Care Reform
WATCH the Kaiser Family Foundation videos on Health Care Reform
Basics and what’s changing in 2014.
TRY the Kaiser Family Foundation’s Subsidy Calculator if you are
curious about government tax credits towards Marketplace coverage.
Both the videos and the calculator can be found at livetheorangelife.com/kff
The Kaiser Family Foundation is an independent nonprofit organization.
2 2014 Benef i ts Annual Enrol lment Guide 2
WHAT’S CHANGING for Medical Coverage in 2014
1 New Plan Options and Names
You will find new medical plan options outlined on pages 8 and 9. Additional details will be
provided in the electronic enrollment guides on livetheorangelife.com beginning October 29.
In addition, the plan options have new names:
AM
mtoOe dbUiecN aeTln c rYovlOleUrda igPneA Y oAuMts-eoO fm-UpeoNdciTkcea Ytl swOehUrev inPc eyAsoYu New Plan Names
HIGHER GOLD LOWER To make it easier to compare medical plan options, plans offered in the
Marketplace and through The Home Depot will have consistent names:
Gold, Silver or Bronze. This will ensure you can compare Home Depot
SILVER coverage with the appropriate plans offered in the public Marketplace.
Bronze plans will have the lowest periodic contributions, but will have
BRONZE the highest out-of-pocket cost when you use medical services. Gold
plans will have higher periodic contributions than bronze plans, but
LOWER HIGHER will have lower out-of-pocket costs when you use medical services.
2 New Medical Plan Carriers and Networks Depending on Where You Live
We will be keeping Kaiser Permanente and adding two new carriers—Blue Shield of California
and Anthem—in our ongoing effort to provide high-quality care at competitive costs. The
medical carriers and networks available to you will be based on your home ZIP code. Visit
livetheorangelife.com > Annual Enrollment and enter your ZIP code to find your carrier. If
needed, you can nominate your provider to be in the network and get transition of care information.
3 You Will Be Defaulted Into an Option If You Don’t Take Action and Are Enrolled Today
If you are enrolled in Home Depot medical coverage today and do not make an active election
during annual enrollment, you will be placed into the Gold HMO Blue Shield medical plan option.
Take the opportunity to review your options to ensure that you choose the right plan for you.
GOLD
livetheorangelife.com 3
ALL-NEW Medical Options For 2014
Your 2014 Medical Coverage
Each year, The Home Depot reviews the cost efficiency and quality of medical provider networks
to ensure they are providing the right care and managing costs to meet our associates’ needs.
The Home Depot is pleased to announce a new partnership with Blue Shield of California and an
expanded partnership with Anthem BCBS in California. We also will continue to offer medical
options through our long-time partner, Kaiser Permanente.
Based on your home ZIP Code, you will have access to the following medical options. You can visit
livetheorangelife.com/AE to see which medical plan options you will have.
If You Live in a Kaiser Permanente Area If You Do Not Live in a Kaiser Permanente Area
• Gold HMO Blue Shield • Gold HMO Blue Shield
• Gold HMO Kaiser Permanente • Silver Plus HDHP Anthem
• Silver Plus HDHP Kaiser Permanente • Bronze HDHP Anthem
• Silver Plus HDHP Anthem I
f you would like to enroll in a Kaiser Permanente option,
• Bronze HDHP Anthem call the Benefits Choice Center at 1-800-555-4954.
For details on each one of these options, see pages 8-9 of this guide.
Introducing Blue Shield
Blue Shield provides health insurance to 3.3 million Californians.
As a Home Depot associate, you will have access to the expansive
Blue Shield network. This network has more than 38,000 providers and almost 300 hospitals.
To find out if your doctor is in the network, go to livetheorangelife.com.
In addition to an expansive network, the Gold HMO Blue Shield plan offers many features that give
you flexibility and wellness opportunities:
• Your Personal Physician coordinates your care. You name a primary care physician for each
covered member of your family. You can get quality and patient satisfaction scores for network
doctors by going to blueshieldca.com/homedepot and selecting Find a Provider.
• Two options for receiving specialist care. If you need to see a specialist, you can get a referral
from your Personal Physician, or you can visit a specialist within your Personal Physician’s medical
group without a referral. Tip: Get a referral to pay less!
• Many free services and discounts. Blue Shield members have access to NurseHelp 24/7SM
and free sessions with licensed therapists through LifeReferrals 24/7SM. Members also receive
discounts on gym memberships, acupuncture, massage therapy, chiropractic services, contact
lenses and eyeglasses, LASIK and more!
For a complete list of features, visit livetheorangelife.com.
4 2014 Benef i ts Annual Enrol lment Guide
Introducing Anthem
Anthem has been serving Home Depot associates outside of
California for several years. For 2014, California associates have
the option of two High Deductible Health Plans (HDHPs) through Anthem. The Anthem HDHPs
provide in-network benefits through the Anthem BlueCard network. To find out if your doctor
participates in the Anthem BlueCard network, go to livetheorangelife.com.
Anthem also offers its members great features, including special discounts and programs. For a
complete list and description of these member features and programs, go to livetheorangelife.com.
Consider a High Deductible Health Plan with a Health Savings Account
The HDHPs have the lowest payroll deductions among the Company medical plans. Along with a
lower payroll deduction, the HDHPs offer the following features:
• Eligible preventive care services are FREE with no deductible when you
use in-network providers.
• Eligible preventive care prescription drugs are covered before you
meet the deductible—including drugs for high blood pressure and
cholesterol, diabetes and depression. You’ll find a complete list of
eligible preventive care prescription drugs under the HDHP in the
electronic enrollment guide on livetheorangelife.com.
• HDHP participants receive free money when the Company matches contributions to
a Health Savings Account (HSA). When you contribute to an HSA, you receive matching
contributions (up to $200 for individual coverage or up to $400 for family coverage). You can
use these tax-free dollars to pay for eligible health care expenses. Plus, your balance rolls
over year after year.
It’s important to note that HDHP participants must meet the deductible before benefits are
payable for most medical services, including office visits, diagnostic tests, outpatient sur-
! gery, hospitalization and prescription drugs that are not eligible preventive care medications.
livetheorangelife.com 5
ALL-NEW Medical Options For 2014 continued
Top FAQs Around These Changes
For Blue Shield For Anthem
Q1 How do I know if my doctor is in the Blue Q1 How do I know if my doctor is in the Anthem
Shield Access+ network? BlueCard network?
A Most Health Net providers also participate in A To check your doctor’s network status or find a
the Blue Shield Access+ network. To check your new BlueCard provider, go to livetheorangelife.com
doctor’s network status or find a new Access+ or call 1-877-434-2734.
provider, go to blueshieldca.com/homedepot
and click Find a Provider or call 1-888-587-9503. Q2 I am in the middle of receiving care for a
medical condition. Can I continue care for
Q2 I am in the middle of receiving care for a this condition with my current doctor?
medical condition. Can I continue care for A To find out about transition of care provisions,
this condition with my current doctor? visit livetheorangelife.com > Annual Enrollment.
A If you are seeing a provider who is not in the
Blue Shield network, Blue Shield may arrange Q3 How does prescription drug coverage work
for continuity of your care, which allows you to through Anthem?
continue to see your current non-network provider A As a participant in the Silver Plus HDHP or
during the course of your treatment while still Bronze HDHP, your prescription drug coverage
receiving the in-network level of benefits. will be administered by CVS/Caremark. You
will pay less for prescriptions you have filled
To request continuity of care, call Blue Shield at an in-network pharmacy. To locate a CVS/
Member Services at 1-888-587-9503. You also Caremark network pharmacy in your area, go to
can download the Continuity of Care application www.caremark.com/HomeDepot and use the
by going to blueshieldca.com/homedepot. “Locate a Pharmacy” search or call CVS/Care-
mark Customer Care toll-free at 1-866-490-3376.
Q3 How do I find out if my medication is on
Blue Shield’s formulary list? Q4 How do I find out if my medication is on
A Go to blueshieldca.com/homedepot, select CVS/Caremark’s Primary/Preferred list?
Pharmacy Benefits > Drug Database and A CVS/Caremark’s Value Primary/Preferred Drug
Formulary. list, which is revised quarterly, can be found
on www.caremark.com or by calling
Q4 I currently get my maintenance drugs from 1-866-490-3376.
Health Net’s mail service pharmacy. Do I
need to set up a new mail-order account Q5 I have specific questions I would like to ask.
through Blue Shield? Can I speak with someone at Anthem?
A No. Your maintenance medication prescription A Yes. If you have any questions about your
will automatically be transferred to PrimeMail if coverage or the services provided to Anthem
you have refills available after January 1, 2014. members, call Anthem at 1-877-434-2734.
All you need to do is contact PrimeMail to
provide your payment information.
Q5 Can I talk to someone at Blue Shield to
discuss my personal situation?
A Yes. If you have questions about your health plan
and your personal situation, please contact your
dedicated Home Depot Blue Shield Member
Services Team at 1-888-587-9503.
6 2014 Benef i ts Annual Enrol lment Guide
Kaiser Permanente—Quality Health
Care that Saves You Time & Money
Kaiser Permanente offers many features that save you time and money, including:
• A range of services under one roof. Exams, x-rays, lab and
pharmacy services are available at many Kaiser Permanente
medical offices.
• Extended office hours. Medical offices are open after hours
and on weekends.
• Online convenience through My Health Manager. If you sign
up for My Health Manager on www.kp.org, you can go online to
make a doctor’s appointment, email doctors and specialists with
routine health questions, order prescription refills, most of which
can be mailed to you at no extra charge, view certain lab results
and your recent immunization history and more!
To find out more about Kaiser Permanente including finding a facility or doctor, go to
http://my.kp.org/homedepot.
If you are changing your coverage from Health Net or any other medical insurance to Kaiser Perma-
nente, and have any questions about the transition of care, visit http://my.kp.org/homedepot and
click on the Support tab on the home page or call 1-800-464-4000.
livetheorangelife.com 7
If you are enrolled in medical
coverage today and do not take
action, you will be enrolled in the
ALL-NEW Medical Options For 2014 Gold HMO Blue Shield Plan.
GOLD GOLD
OPTION 1: OPTION 2:
GOLD HMO KAISER PERMANENTE1 GOLD HMO BLUE SHIELD
Medical Carrier and Network
We’ve selected carriers and
networks to provide high-
quality health care while
managing costs. Your carrier
may change for 2014.
Per Pay Period Cost $87.75 $110.00
Healthy Living Credits Eligible for $10 Biweekly Tobacco-Free Credit and $25 Biweekly Building Better Health Credit
CPerer dPiatsy RPecrieoidv eCdo2st After $52.75 $75.00
(DIneddivuicdtuibal)e $750 $750 (only applies to inpatient)
O
(Inudti-voidf-uPaol)cket Maximum3 $5,000 $5,000
Eligible Preventive Care Covered at 100% with no deductible Covered at 100% with no deductible
I
(Ynopua tPieanyt) Hospital 20% after deductible 20% after deductible
P
(Yroimu Parayy )Care Physician $25 $25
(SYpoeuc Piaalyis) t $50 $5$02,5 i,f iyf oreuf seerrlfe-dre bfeyr ywoituhrin P yeorsuor nMael dPichayls Gicrioaunp
Your prescription drug coverage Your prescription drug coverage
is through Kaiser Permanente. is through Blue Shield of California.
In-Network Pharmacy In-Network Pharmacy
Retail (up to a 100-day supply)—You Pay Retail —You Pay
Generic $10 copay Generic 20%, $10 maximum
Prescription Preferred Brand $30 copay Preferred Brand 20%, $50 maximum
Drug Coverage
Non-Preferred Brand Not covered Non-Preferred Brand 40%, $150 maximum
Mail Order (up to a 100-day supply)—You Pay Mail Order (90-day supply)—You Pay
Generic $10 copay Generic 20%, $20 maximum
Preferred Brand $30 copay Preferred Brand 20%, $100 maximum
Non-Preferred Brand Not covered Non-Preferred Brand 40%, $300 maximum
Health Savings
No No
Account Eligible
1 If you do not live in the Kaiser Permanente network area and do not see this option during enrollment, you can call the Benefits Choice
Center to enroll. Otherwise you will have the following options available: Gold HMO Blue Shield, Silver Plus HDHP Anthem & Bronze
HDHP Anthem. For more information on the Silver Plus HDHP option, visit livetheorangelife.com.
2 Cost assumes you receive associate-only available Healthy Living Credits (see page 10).
3 Most copays now count toward the Out-of-Pocket Maximum.
8 2014 Benef i ts Annual Enrol lment Guide