2015 Open Enrollment
X-PLORE YOUR BENEFITS
Open Enrollment – November 3 - 14, 2014
A BRAND NEW GAME TO HELP YOU BE YOUR BEST
Introducing changes to the Flextronics Medical Plan
• Three new medical plan options
• A new Health Savings Account
• A new telemedicine program
• And more!
2
Changes to the lineup
3
Evaluated our health and
well‐being lineup
Offering new plans
Evaluated our providers
Introducing a new team of
providers
Changes to the lineup
• Eliminating the Health Reimbursement Account (HRA)
• Introducing three new medical plan options
• Moving to Anthem Blue Cross from UnitedHealthcare as our medical
plan administrator
• Changes to Kaiser HMO deductibles (California employees only)
• Moving from Optum and Wells Fargo to HealthEquity as our HSA
administrator
• Eliminating Blue Cross Blue Shield of Michigan as the medical plan
administrator for Saturn employees
• Eliminating Connecticare as the medical plan administrator for
Advance employee
• New telemedicine resources to help you stay in the game
4
Your new medical plan roster
Flextronics medical plans for 2015
High-deductible health plan options
Plan name
Core
Standard
Premier
Field position
Lower health care user
Medium health care user
Higher health care user
CAUTION: If you don’t actively enroll during Open Enrollment, you will
automatically be enrolled in the Standard Plan at your 2014 coverage
level. No HSA will be opened for you.1
5
1 Advance employees will default to the Standard Plan at the employee only coverage level and no HSA. Kaiser plan
participants will default to Kaiser at 2014 coverage level. If you waived coverage in 2014, it continues waived in 2015.
You will default to the Standard Plan
What happens if you don’t actively enroll.
2014 benefits
6
2015 default benefits
Plan
Coverage level
Plan
UHC HRA
Employee + child
Saturn BCBS MI
HSA
Employee +
family
Standard
Employee +
family
Advance
Connecticare
HMO
Employee +
Family
Standard
EMPLOYEE
ONLY
Kaiser HMO
Employee only
Kaiser HMO
Employee only
Standard
Coverage level
Employee + child
IMPORTANT: You will NOT be enrolled in an HSA.
The “rules” of the game
•
•
You pay nothing for in-network preventive care
services like annual physicals
You can participate in a Health Care Flexible
Spending Account (FSA):
– If you are not eligible for an HSA medical plan,
you can participate in the regular Health Care
FSA to pay for eligible health care expenses
– If you enroll in an HSA medical plan, you can participate in a Limited Purpose
Health Care FSA to pay for eligible dental and vision expenses
Health Savings Account (HSA)
• Elect a Health Savings Account
• Both you and Flextronics contribute to the account
• Use money in the account to pay for eligible out-of-pocket health care costs
with tax-free money
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What’s different among the plans?
• The amounts of the deductible you pay
• Your out-of-pocket maximum
• Your monthly premium contributions
Premium
Deductible
Out-of-pocket
maximum
Premium
or
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Deductible
Out-ofpocket
maximum
What the changes mean to you
If you’re currently enrolled in the…
UHC HRA Plan
• You MUST select which medical plan option — Core, Standard or Premier
— is right for you and your family
• If you elect an HSA, Anthem will automatically establish it through
HealthEquity1
• If you have a balance in your HRA, consider what your health care
needs are from now until the end of 2014 so you can use up your HRA
funds before December 31, 2014
• Check to see if your providers are in the Anthem Blue Cross network
• Contact Anthem Blue Cross if you are in the middle of care during this
transition
1 You
9
may be asked to provide additional information and documentation before your account
can be established.
What the changes mean to you
If you’re currently enrolled in the…
UHC HSA Plan
• You MUST select which medical plan option — Core, Standard or Premier
— is right for you and your family
• If you elect an HSA, Anthem will automatically establish it through
HealthEquity1
• The Optum HSA will no longer be supported by Flextronics: You will
receive information about transferring funds from Optum to HealthEquity in
your HSA welcome packet if you elect an HSA
• Check to see if your providers are in the Anthem Blue Cross network
• Contact Anthem Blue Cross if you are in the middle of care during this
transition
1
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You may be asked to provide additional information and documentation before your account
can be established.
What the changes mean to you
If you’re currently enrolled in the…
Kaiser HMO Plan
• If you want to remain in the Kaiser HMO, you don’t have to do anything
• But, if you want to participate in a plan that gives you the option to pay for
your out-of-pocket costs today with tax-free money — and save for future
health care expenses — then check out Flextronics’ HSA Medical Plan
lineup
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What the changes mean to you
If you’re currently enrolled in the…
Saturn HSA Plan
• You MUST select which medical plan option — Core, Standard or Premier
— is right for you and your family
• If you elect an HSA, Anthem will automatically establish it through
HealthEquity1
• The Wells Fargo HSA will no longer be supported by Flextronics: You
will receive information about transferring funds from Wells Fargo to
HealthEquity in your HSA welcome packet if you elect an HSA
• Check to see if your providers are in the Anthem Blue Cross network
• Contact Anthem Blue Cross if you are in the middle of care during this
transition
1
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You may be asked to provide additional information and documentation before your account
can be established.
What the changes mean to you
If you’re currently enrolled in the…
Advance Plan
• You MUST select which medical plan option — Core, Standard or Premier
— is right for you and your family
• If you elect an HSA, Anthem will automatically establish it through
HealthEquity1
• If you have a balance in your HRA, consider what your health care
needs are from now until the end of 2014 so you can use up your HRA
funds before December 31, 2014
• Check to see if your providers are in the Anthem Blue Cross network
• Contact Anthem Blue Cross if you are in the middle of care during this
transition
1
13
You may be asked to provide additional information and documentation before your account
can be established.
Health Savings Account (HSA)
•
•
A Health Savings Account or HSA is a savings
account you can use to cover health care
expenses
To be eligible to participate in an HSA you
must:
– Be enrolled in a high-deductible health plan
– Not be enrolled in a Medicare1 health plan or
enrolled in another health plan that is not a
high-deductible plan, like a spouse’s or
domestic partner’s
•
1
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If you’re not eligible for an HSA, you can enroll
in Flextronics plans, but without the HSA
If your spouse or domestic partner is eligible for Medicare, you may enroll in the HSA and use the funds
to cover their health care expenses (excluding premiums) if they are your tax dependent.
HSA triple-tax savings
With an HSA, you do not pay taxes
when you:
• Put money into the account through
convenient payroll deductions
• Earn interest on the account
• Use HSA funds to cover qualified health
care expenses
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2015 HSA annual contribution limits
You only
Family
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Flextronics 2015
HSA contribution
on your behalf
$400
$800
Maximum you
may contribute
in 2015
$2,950
$5,850
2015 HSA
contribution
maximum
$3,350
$6,650
Strategies to fund your HSA
• To get the most from your HSA, you need a
game plan to help you save enough money to
cover your share of health care costs.
• During Open Enrollment, follow these easy
steps:
– Enroll in the Core, Standard or Premier plan and
elect your HSA contribution amount, if eligible
– Flextronics will make a contribution each month
– Up to $400 for employee only coverage
– Up to $800 for all other tiers
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Remember: You can change your HSA payroll contributions at any time during
the year.
What expenses can be paid with an HSA?
• Qualified medical expenses that include most:
–
–
–
–
Medical
Prescription
Dental
Vision
• Cannot be used to pay medical plan
premiums if you are an active employee
• Can be used to pay for COBRA contributions
in the event of a Leave of Absence or
termination.
• More information can be found in IRS
publication 502.
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Hold onto
your receipts
Keep all of your
itemized receipts
when you use your
HSA in case the IRS
asks to see them;
you can upload them
to the HealthEquity
website for
safekeeping.
Employee monthly premium contributions
for 2015
Tiers
Employee only
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Core
Standard
Premier
$70.78
$110.05
$128.07
Employee + spouse
$210.59
$296.62
$336.10
Employee + child(ren)
$165.07
$245.55
$282.48
Employee + family
$310.70
$437.94
$496.33
Flextronics medical plans at a glance1
Core
Standard
Premier
In-network
Out-ofnetwork
In-network
Out-ofnetwork
In-network
Out-ofnetwork
Individual
$2,500
$5,000
$1,800
$3,600
$1,300
$2,600
Employee + spouse
Employee + child(ren)
Employee + family
$5,000
$10,000
$3,600
$7,200
$2,600
$5,200
ANNUAL DEDUCTIBLE
OUT-OF-POCKET MAXIMUM
Individual
$5,000
$10,000
$3,600
$7,200
$2,600
$5,200
Employee + spouse
Employee + child(ren)
Employee + family
$10,000
$20,000
$7,200
$14,400
$5,200
$10,400
1
Kaiser options also available for employees in California only.
amount is 110% of maximum non-network reimbursement program (MNRP).
2 Reimbursable
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People like you
Example 1 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
March
HSA balance available to use
(January – March Flextronics contribution)
Deductible as of March 1
Services after March 1
Annual physical – preventive care covered 100%
Urgent care – cost of visit $100
Generic antibiotic – $20
Total cost
21
$100.00
$100.00
$100.00
$2,500.00
$1,800.00
$1,300.00
$0.00
$0.00
$0.00
$100.00
$100.00
$100.00
$20.00
$20.00
$20.00
$120.00
$120.00
$120.00
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 1 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
March
Marty pays
From HSA
From pocket for deductible
Total
Remaining deductible
Remaining HSA balance
22
$100.00
$100.00
$100.00
$20.00
$20.00
$20.00
$120.00
$120.00
$120.00
$2,380.00
$1,680.00
$1,180.00
$0.00
$0.00
$0.00
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 1 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
October
HSA balance available to use
(April – October Flextronics contributions)
$233.00
$233.00
$233.00
Services after October 1
Doctor’s office visit – cost of visit $100
$100.00
$100.00
$100.00
Outpatient MRI – cost of MRI $1,000
$1,000.00
$1,000.00
$1,000.00
Knee surgery – cost of procedure $2,500
$2,500.00
$2,500.00
$2,500.00
$3,600.00
$3,600.00
$3,600.00
Total cost
23
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 1 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
October
Marty pays
From HSA
$233.00
$233.00
$233.00
$2,147.00
$1,447.00
$947.00
$244.00
$384.00
$484.00
$2,624.00
$2,064.00
$1,664.00
Remaining deductible
$0.00
$0.00
$0.00
Remaining HSA balance
$0.00
$0.00
$0.00
From pocket for deductible
From pocket for coinsurance
Total
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1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 1 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
Plan year
Marty total out-of-pocket costs
March
October
Annual premium contribution
Total
$120.00
$120.00
$120.00
$2,624.00
$2,064.00
$1,664.00
$849.36
$1,320.60
$1,536.84
$3,593.36
$3,504.60
$3,320.84
Marty spends less out of pocket with the Premier Plan.
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1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 2 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
March
HSA balance available to use
(January – March Flextronics contribution)
Deductible as of March 1
Services after March 1
Annual physical – preventive care covered 100%
Urgent care – cost of visit $100
Generic antibiotic – $20
Total cost
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$100.00
$100.00
$100.00
$2,500.00
$1,800.00
$1,300.00
$0.00
$0.00
$0.00
$100.00
$100.00
$100.00
$20.00
$20.00
$20.00
$120.00
$120.00
$120.00
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 2 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
March
Marty pays
From HSA
From pocket for deductible
Total
Remaining deductible
Remaining HSA balance
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$100.00
$100.00
$100.00
$20.00
$20.00
$20.00
$120.00
$120.00
$120.00
$2,380.00
$1,680.00
$1,180.00
$0.00
$0.00
$0.00
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 2 – Marty, employee-only coverage; under each of the medical options using
in-network providers, Marty will pay:1
Core
Standard
Premier
Plan year
Marty total out-of-pocket costs
March
October
Annual premium contributions
Total
$120.00
$120.00
$120.00
$0.00
$0.00
$0.00
$849.36
$1,320.60
$1,536.84
$969.36
$1,440.60
$1,656.84
Marty spends less out of pocket with the Core Plan.
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1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 3 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
March
HSA balance available to use
(January – March Flextronics contribution)
Deductible as of March 1
Services after March 1
Annual physical – preventive care covered 100%
Urgent care – cost of visit $100
Generic antibiotic – $20
Total cost
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$200.00
$200.00
$200.00
$5,000.00
$3,600.00
$2,600.00
$0.00
$0.00
$0.00
$100.00
$100.00
$100.00
$20.00
$20.00
$20.00
$120.00
$120.00
$120.00
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 3 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
March
Orzo family pays
From HSA
From pocket for deductible
Total
Remaining deductible
Remaining HSA balance
30
$120.00
$120.00
$120.00
$0.00
$0.00
$0.00
$120.00
$120.00
$120.00
$4,880.00
$3,480.00
$2,480.00
$80.00
$80.00
$80.00
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 3 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
October
HSA balance available to use
(April – October Flextronics contributions)
$547.00
$547.00
$547.00
Services after October 1
Doctor’s office visit – cost of visit $100
$100.00
$100.00
$100.00
Outpatient MRI – cost of MRI $1,000
$1,000.00
$1,000.00
$1,000.00
Knee surgery – cost of procedure $2,500
$2,500.00
$2,500.00
$2,500.00
$3,600.00
$3,600.00
$3,600.00
Total cost
31
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 3 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
October
Orzo family pays
From HSA
$547.00
$547.00
$547.00
$3,053.00
$2,933.00
$1,933.00
$0.00
$24.00
$224.00
Total
$3,600.00
$3,504.00
$2,704.00
Remaining deductible
$1,280.00
$0.00
$0.00
$0.00
$0.00
$0.00
From pocket for deductible
From pocket for coinsurance
Remaining HSA balance
32
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 3 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
Plan year
Orzo family total out-of-pocket costs
March
$120.00
$120.00
$120.00
October
$3,600.00
$3,504.00
$2,704.00
Annual premium
$3,728.40
$5,255.28
$5,955.96
$7,448.40
$8,879.28
$8,779.96
Total
Orzo family would spend less out of pocket with the Core Plan.
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1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 4 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
March
HSA balance available to use
(January – March Flextronics contribution)
$200.00
$200.00
$200.00
$5,000.00
$3,600.00
$2,600.00
$0.00
$0.00
$0.00
Mail order generic blood pressure medicine
$50.00
$50.00
$50.00
Mail order generic cholesterol medicine
$50.00
$50.00
$50.00
$600.00
$600.00
$600.00
$700.00
$700.00
$700.00
Deductible as of March 1
Services after March 1
Annual physical – preventive care covered 100%
Chiropractor – 10 visits at $60/visit
Total cost
34
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 4 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
March
Orzo family pays
From HSA
$200.00
$200.00
$200.00
From pocket for deductible
$500.00
$500.00
$500.00
$700.00
$700.00
$700.00
$4,300.00
$2,900.00
$1,900.00
$0.00
$0.00
$0.00
Total
Remaining deductible
Remaining HSA balance
35
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 4 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
October
HSA balance available to use
(April – October Flextronics contributions)
$467.00
$467.00
$467.00
Services after October 1
Mail order generic blood pressure medicine
$50.00
$50.00
$50.00
Mail order generic cholesterol medicine
$50.00
$50.00
$50.00
$6,000.00
$6,000.00
$6,000.00
$6,100.00
$6,100.00
$6,100.00
Inpatient hospital including tests
Total cost
36
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 4 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
October
Orzo family pays
From HSA
$467.00
$467.00
$467.00
$3,833.00
$2,433.00
$1,433.00
$360.00
$640.00
$840.00
$4,660.00
$3,540.00
$2,740.00
Remaining deductible
$0.00
$0.00
$0.00
Remaining HSA balance
$0.00
$0.00
$0.00
From pocket for deductible
From pocket for coinsurance
Total
37
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
People like you
Example 4 – Orzo family, employee + family coverage; under each of the medical options
using in-network providers, the Orzo family will pay:1
Core
Standard
Premier
Plan year
Orzo family total out-of-pocket costs
March
$700.00
$700.00
$700.00
October
$4,660.00
$3,540.00
$2,740.00
Annual premium contribution
$3,728.40
$5,255.28
$5,955.96
$9,088.40
$9,495.28
$9,395.96
Total
Orzo family would spend less out of pocket with the Core Plan.
38
1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your
actual costs under these plans.
A new kind of house call
Telemedicine program in 2015
• Anthem LiveHealth Online program
• On-demand access to a national
network of board-certified doctors
who can:
– Diagnose
– Recommend treatment
– Prescribe medication
• Available over two-way video chat
via computer or smart phone
• Doctors available 24 hours a day
• Costs just $49 per visit if you have not
yet met your deductible.
39
X-Plore these key dates
2014
September –
October


40
Get your onsite Wise &
Well biometric
screening
Get your flu
shot
November 3


Open
Enrollment
begins
Review your
enrollment
materials to
make sure you
understand
your new
medical plan
choices and
any other
benefit
changes
2015
November 14


Deadline to

enroll in
benefits for
2015
Deadline to
submit your

physician form
to score a $75
Wise & Well
gift card
December
Watch for new
medical and
prescription ID
cards and
HSA cards
Watch for your
$75 Wise &
Well gift card
January 1

New
benefits
begin
You must take action
If you don’t actively enroll in a
plan, you will default into the
Standard Medical Plan1 at the
2014 coverage level. You will
not have an HSA.
41
1 Kaiser plan participants will default to Kaiser, at the 2014 coverage level. Advance plan participants will default to the
employee-only coverage level in the Standard Plan. If you waived coverage in 2014, it continues waived in 2015.
Final reminders
• Your enrollment decisions will be in effect for all of 2015
unless you have qualifying life event like you get married
or have a baby
• Your must actively enroll in Flexible Spending Accounts
each year
• If you added new dependents to your health coverage be
prepared to complete the Dependent Verification
Process and submit documents to prove your
dependent’s eligibility
42
Get in the game this fall!
Anthem resources starting October 1, 2014
Pre-enrollment website
Anthem customer care line
http://enrollment.anthem.com/Flextronics
1-844-256-4819
Flextronics Global Business Services Center
(GBS)
43
Email
Phone
Benefits.HRConnect@flextronics.com
1-866-772-7470