2020 Open Enrollment Guide - See what's new inside Working spouse surcharge New wellness incentive program HDHP deductible increase Enhanced ...
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2020 Open
Enrollment Guide
See what's new inside
Working spouse surcharge
New wellness incentive program
HDHP deductible increase
Enhanced supplemental life
insurance options
What’s inside
Page 3
2020 Open Enrollment and checklist
Page 4
What’s new for 2020
Page 5
What’s changing for 2020
Page 6
Aetna® medical benefits
Page 8
Aetna prescription drug benefits
Page 9
HSA and FSA services
Page 10
Wellness incentives and resources
Page 14
Kaiser medical benefits
Page 16
Dental and vision benefits
Page 18
Life insurance benefits
Page 19
Long-term disability benefits
Page 20
Life event changes
Page 21
2020 Open Enrollment Guide
Employee contributions
Page 23
Contact information
2
2020 Open Enrollment
October 7 through October 25, 2019
Get ready to enroll
Open Enrollment is your annual opportunity to make
benefits changes. This guide contains facts, tips and
reminders to help you make informed decisions for yourself
and your family.
2020 Open Enrollment is passive. If you are not making
changes to your benefits, no action is required. Except for
Flexible Spending Accounts (FSAs). You must re-enroll in the
Health Care and/or Dependent Care FSA for 2020.
There will be no grace period for changes. Once Open
Enrollment closes, you may not change your elections until the
next Open Enrollment (effective January 1, 2021) — unless
you have a qualifying life event. Examples of qualifying events
include marriage, divorce and the birth/adoption of a child.
Your enrollment checklist
❏ Use this guide to learn the basics of your benefits options.
For more details, visit the North America HR Portal Site.
❏ Carefully review plan changes outlined in the next section.
❏ Enroll or change your benefits elections October 7
through October 25, 2019. To enroll and/or make
changes, visit Employee Self Service.
Learn more: Please review the Employee Self Service quick
reference guide included with your Open Enrollment packet.
❏ Review your 401(k) contributions and beneficiary
designation. Visit www.vanguard.com to check your
contribution level. Be sure you are contributing at least
6% of your pay to maximize the employer match.
2020 Open Enrollment Guide
3
What’s new for 2020
Working Spouse Surcharge
METTLER TOLEDO will be implementing a Working Spouse
Surcharge on January 1, 2020. This is a fee for working
spouses who have access to coverage by their employer but
elect to be covered under METTLER TOLEDO’s medical plan
instead. If you have a spouse enrolled in METTLER TOLEDO’s
medical plan, during Open Enrollment you will be asked to
verify whether your spouse has access to medical insurance
from their employer. If they do have coverage, or gain access
to coverage during the plan year, and choose not to be
covered by their employer, you will be required to pay an
additional fee of $100 per month for your spouse to stay
on METTLER TOLEDO’s medical plan.
This fee can be avoided if you elect to move your spouse
to their employer’s plan or if your spouse:
■ Does not work
■ Is a METTLER TOLEDO employee
■ Works but the employer’s medical plan charges
100% of the cost to the employee
■ Works but is not eligible for medical coverage
■ Is self-employed
■ Is covered by Medicare, Medicaid, state assistance
programs or Tricare
■ Is covered under COBRA
■ Loses their job-related coverage
Important note:
The surcharge will automatically be applied if you are covering your spouse under METTLER
TOLEDO’s medical plan. If the surcharge does not apply in your personal situation (please refer
2020 Open Enrollment Guide
to the list above) you must update your medical plan information in Employee Self-Service. If your
spouse is employed but qualifies for an exception, METTLER TOLEDO reserves the right to request
certification from your spouse’s employer.
Please refer to the enclosed Working Spouse Surcharge FAQ for more information.
4
Aetna Rx Maintenance Enhanced Supplemental Life
Choice Refill Program Insurance Coverage
Beginning on January 1, 2020, you can fill larger METTLER TOLEDO has partnered with Unum
supplies of medicine you take regularly with the new and will offer enhanced Supplemental Life/AD&D
Aetna Maintenance Choice® program. Your plan will coverage. Don’t miss this opportunity to enroll in
cover two, 30-day supplies filled at a retail, network life insurance with no health questions up to your
pharmacy. After that, for best coverage, you must guarantee issue amount, available only during
fill 90-day supplies at CVS Caremark® Mail Service the 2019 open enrollment period. See page 18
pharmacy or at a CVS Pharmacy. More on page 8. for more information.
You will receive a communication when the retail limit
has been reached and it’s time to make a choice.
What’s changing for 2020
The HDHP deductible will increase from $1,500 to $2,000 for employee only coverage and $3,000 to $4,000
for all other coverage levels.
Wellness incentive gift cards will now be offered for completing biometic screenings and routine preventative care
if you are enrolled in the Aetna® PPO or HDHP. Completing the Health Assessment is no longer needed to earn
these incentives. Learn more on page 10.
Health Savings Account (HSA) contribution limits are increasing as follows:
For an individual: $3,550 For a family: $7,100
Your current FSA elections will not carry over to 2020. You must actively enroll in one or both accounts and set
your contribution amount(s). IRS-established contribution limits for FSAs in 2020 are:
Health Care FSA: $2,750 Dependent Care FSA: $5,000
The tobacco-use surcharge will increase from $75 to $100 per month.
2020 Open Enrollment Guide
5
Aetna medical benefits
Two medical plan options are available to you for 2020
The HDHP with HSA The Traditional PPO Plan
Take a closer look: The High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
It offers:
■ The same comprehensive benefits as the Traditional PPO Plan Including 100% coverage for in-network preventive care
Plus the tax-advantaged Health Savings Account.
■ All for a significantly lower premium cost than the PPO plan.
About the Health Savings Account
Administered by PayFlex®, the HSA is a savings planning and spending tool all rolled into a single account. Here’s how it works.
■ You can contribute up to the IRS-established guidelines. ■ You save on taxes. Contributions reduce your taxable
2020 limits are: $3,550 individual, $7,100 family. If you are income, balances earn interest tax-free and withdrawals to
age 55 or older, you can contribute an additional $1,000 in pay qualified expenses are not taxed.
catch-up contributions. ■ You can choose your payment method. Use your PayFlex
■ Your account grows. Balances roll over year to year and earn Card or file a claim to reimburse expenses paid out of pocket.
tax-free interest. Once your balance reaches $1,000, you can ■ You can take it with you. The funds in your HSA are yours,
start investing.
even if you leave METTLER TOLEDO or the HDHP.
■ You own your account. You decide when and how to use it
for current or future qualified medical expenses – even those
in retirement.
Plus, the HSA is easy and convenient to use with the help of PayFlex services and online tools. See page 9 to learn more.
What are qualified medical expenses?
Defined by the IRS, qualified medical expenses
include your plan deductible and other
out-of-pocket expenses.
For a complete list, visit www.irs.gov/formspubs
for Publication 502.
2020 Open Enrollment Guide
6
Aetna medical plan highlights
The chart below compares highlights of the HDHP and Traditional PPO Plan for 2020.
Medical HDHP with HSA Traditional PPO If you go
In-Network You Pay¹ In-Network You Pay Out-of-Network You Pay²
Physician Office Visits
Preventive Care $0 for covered services $0 for covered services 40% of expenses
(Includes annual eye exam)
Teladoc® $40 or less $10 copay 40% of expenses
Illness and Injury (PCP) 20% after the deductible $30 copay 40% of expenses
Specialist 20% after the deductible $60 copay 40% of expenses
Maternity Physician Services
Prenatal & Post-natal 20% after the deductible $30 copay 40% of expenses
Inpatient Facilities 20% after the deductible 20% after the deductible 40% of expenses
Hospital Services
Physician Services 20% after the deductible 20% after the deductible 40% of expenses
Inpatient Facility 20% after the deductible 20% after the deductible 40% of expenses
Outpatient Surgery Facility 20% after the deductible 20% after the deductible 40% of expenses
Outpatient Diagnostic Facility 20% after the deductible 20% after the deductible 40% of expenses
Urgent Care Center Services 20% after the deductible $60 copay 40% of expenses
Emergency Room Services³ 20% after the deductible 20% after the deductible Covered after confirmation of
emergency condition at 20%
after the deductible
Outpatient Mental Health (MH) 20% after the deductible $30 copay 40% of expenses
Outpatient/Inpatient Substance Abuse 20% after the deductible $30 copay (outpatient)/20% 40% of expenses
after the deductible (inpatient)
Inpatient Mental Health (MH) 20% after the deductible 20% after the deductible 40% of expenses
Annual Deductible Single/Family: $2,000/$4,000 Single/Family: $900/$1,800 Traditional PPO: $1,800/$3,600
(aggregate4) (embedded4) HDHP: $3,000/$6,000
Out-of-Pocket Annual Maximum Single/Family: $5,500/$11,000 Single/Family: $4,000/$8,000 Traditional PPO: $8,000/$16,000
(Includes office and prescription drug (embedded4) (embedded4) HDHP: $11,000/$22,000
copays, deductible and coinsurance)
1. Under the HDHP, all services that are NOT considered preventive are subject to the deductible before benefits are payable.
2. Reimbursement based on reasonable and customary rates.
3. Non-emergency use of ER not covered.
2020 Open Enrollment Guide
4. Aggregate:
• The entire family deductible must be met before coinsurance applies.
• A single family member can satisfy the family deductible.
• Multiple family members can satisfy the family deductible. Questions?
Embedded:
• Once a family member reaches the individual deductible, coinsurance applies for that family member.
Please contact your local
• Multiple family members may contribute to the family deductible, then coinsurance applies to all. Human Resources team.
• A single family member cannot satisfy the entire family deductible themselves. 7
Aetna prescription drug benefits
Getting the medications you need is easy and affordable
When you need to fill prescriptions, you can use:
■ Aetna network retail pharmacies, for short-term prescriptions. Get up to a 30-day supply of medication at retail and local
pharmacies in the network.
■ Maintenance Choice Refill Program with CVS Caremark Mail Service Pharmacy™, for long-term prescriptions. Get up to
two, 30-day supplies of maintenance medication filled at the retail pharmacy, then you can choose:
■ the 90-day refill mail service, in-store pick up or delivery from a local CVS store or,
■ to opt-out and continue to fill your prescription at a retail pharmacy. Call 1-888-792-3862 (TTY: 711) to opt-out or with questions.
To find network pharmacies or get started with mail service, log into www.aetna.com and click “Pharmacy.”
What you pay
The chart below shows what you pay for short-term prescriptions filled at a Retail Pharmacy. For long-term prescriptions filled
through the mail service, you will pay 2½ times the amounts shown in the chart.
Prescription Drugs HDHP with HSA Traditional PPO If you go
In-Network You Pay In-Network You Pay Out-of-Network You Pay
Retail Copay (preventive*)
Tier 1, generics $10 $10 N/A
Tier 2, preferred brand-name 20% ($35 min/$70 max) 20% ($35 min/$70 max) N/A
Tier 3, non-preferred brand-name 40% ($60 min/$120 max) 40% ($60 min/$120 max) N/A
Retail Copay (non-preventive)
Tier 1, generics 10% after the deductible $10 N/A
Tier 2, preferred brand-name 20% after the deductible 20% ($35 min/$70 max) N/A
Tier 3, non-preferred brand-name 40% after the deductible 40% ($60 min/$120 max) N/A
*Only prescriptions on the Preventive Drug List or the High Deductible Health Plan core list are eligible at this cost-share level. You can access this
list on the North America HR Portal Site or request a copy from your Human Resources team.
Under the Affordable Care Act, also known as health care reform, some prescription medications are covered at 100%.
Contact Aetna for more information.
Know the costs of your medications.
2020 Open Enrollment Guide
The formulary is a list of medications covered under your medical plan. You can check the list
to see if your medications are covered, how much you will pay for them and if there are generic
equivalents for the medications you use.
The formulary changes from time to time. If a 2020 formulary change will affect you and/or a
covered family member, Aetna will notify you in a personalized communication.
8 Search for your medications: Visit www.aetnapharmacy.com/standard.
HSA and FSA services
From PayFlex
PayFlex continues to be our administrator for the Health Savings Account and Flexible Spending Accounts. Their services and tools
make it easy and convenient for you to understand, use and manage your account(s). When you enroll in your account(s), you
can register at www.payflex.com to take advantage of all the resources available.
Reminder: Keep your PayFlex Card active
Because the IRS requires PayFlex to verify eligible expenses, you may be asked to send documentation for a PayFlex Card purchase.
If this happens, you may receive an alert message on your PayFlex member website or a notice via email or U.S. mail. The message
will tell you how to provide the documentation needed.
If you receive a request for documentation, be sure to respond as quickly as possible. This will prevent your card from being
suspended. Questions? Log into www.payflex.com and click “Contact Us.” Register with the site first if you haven’t already.
Flexible Spending Accounts
You may enroll in:
■ The Health Care FSA, to pay or reimburse qualified health
care expenses, such as deductibles, coinsurance, copays
and certain over-the-counter health items. You can use the
PayFlex Card to access account funds or file a claim to
reimburse qualified expenses paid out of pocket. You may
not elect the Health Care FSA if you enroll in the HDHP.
■ The Dependent Care FSA, to reimburse child or adult day
care expenses incurred because you and your spouse/
domestic partner work, are looking for work or attend
school full time. You file a claim to be reimbursed for
qualified expenses paid out of pocket. You can also use Connected Claims
your PayFlex Card to help pay for day care costs.
The Connected Claims feature seamlessly
Remember, you must re-enroll each year during Open links your medical, dental and vision claims
Enrollment to participate for the following year. Current FSA to your PayFlex HSA and/or FSA. You can
elections do not carry over. When you enroll, you’ll set view claims, request payment for eligible
a contribution amount to be deducted from your pay on a expenses or pay your doctor directly –
pre-tax basis during the year. without providing documentation.
Note: Expenses must be incurred no later than December 31, To get started with Connected Claims,
2020 Open Enrollment Guide
2020, and submitted by March 31, 2021, to be eligible for log into www.payflex.com (after you’ve
reimbursement. registered with the site), go to the Health
Plan Activity tool and select “Health Plan
Activity Set Up.” You can do this at any time.
9
Wellness incentives and resources
For those enrolled in the Aetna PPO or HDHP
METTLER TOLEDO wants to provide support for your healthy life. That’s why we offer incentives to those enrolled in Aetna medical
plans for taking advantage of wellness programs. You can also complete the Health Assessment at no-cost to help you determine
your health risk and reach your wellness goals, whatever they may be.
Assess your health Earn up to $400 in wellness
incentive gift cards
The Health Assessment is an online questionnaire that takes Do something good for yourself and get rewarded. You and
about 5 to 7 minutes to complete. It covers factors such as your enrolled spouse or domestic partner can each earn
lifestyle, daily habits, health history, preventive screenings and $100 gift cards when you complete the following screenings
others. With this information, you can make a plan to improve by September 30, 2020.
and enjoy a healthier life for years to come. To complete the
Health Assessment, log into www.aetna.com and go to Stay Biometric screening
Healthy > Discover a Healthier You. This screening will help you stay on top of your health by “knowing
Once you’ve completed the Health Assessment, you’ll receive: your numbers” and continues to be offered in 2020 through Quest
Diagnostics. Visit your local unit and other Quest locations or call
■ A health risk score 1-855-623-9355 to find a Quest lab in your area.
■ A detailed health report with recommendations for online
coaching programs that lead you step-by-step to better health Routine preventive care
■ Alerts with links to personalized health actions based Routine exams are covered at 100% when you use in-network
on your unique health and profile needs providers. Coverage is based on the calendar year, not by date
of service, so you can schedule your routine physical exams
and well-adult screenings earlier in the year — even if your last
one was later in 2019.
A NEW gift card incentive program has replaced
deductible and HSA credits. $200 (individual) / $400 (with spouse/domestic partner)
maximum annual credit per calendar year
Important Note:
Be sure to complete
your screenings by
September 30, 2020
2020 Open Enrollment Guide
to earn your incentives.
10How to get your gift cards
Once you and/or your spouse or domestic partner have completed your screenings, go to the Rewards
Center on your Aetna member website to select and redeem your gift card.*
1 2
Search for a specific Choose your retailer of
vendor, or filter by choice by clicking on the
merchant category retailer’s gift card image
3
Indicate the gift card quantity and add it to your shopping cart
(you can continue to shop for cards if you have a remaining balance)
4
Check out
You will be asked for your contact information
based on the selected gift card delivery method
5 6
You will see your order Your gift cards will be delivered
confirmation appear in their to you based on the
redemption page once your delivery method selected
order is submitted digital email
physical mail
Haven’t received your gift card email yet? Call customer support at 1-855-233-7350.
2020 Open Enrollment Guide
*Gift cards are treated as taxable income.
11Your wellness resources and programs
Your benefits include wellness resources and programs designed with you and your family’s good health and wellness in mind.
These are available to all Aetna enrolled members and offer valuable support, advice and care, should you need it.
The Aetna Maternity Program® can help give The 24/7 Informed Health® Line lets
your baby a healthy start in life. Work with an you talk with a nurse for answers to
ob/gyn-trained nurse to learn about prenatal health-related questions and concerns.
care, preterm labor, newborn care and more. Call 1-800-556-1555 (TTY: 711).
Teladoc® allows you and your covered dependents to talk with U.S. board-certified primary care
physicians (including pediatricians) by phone or video chat, 24/7/365. Depending on your medical
plan, you’ll pay no more than $40 per consult. (Teladoc is not available in every state.)
To get started with Teladoc, you will first need to set up your account at www.teladoc.com/aetna.
You also may call 1-855-835-2362. When you need to talk with a doctor, you can log in at the
Teladoc site or call the toll-free number. There’s even a Teladoc app you can download from your
app store for doctor consults on the go.
Aetna In Touch CareSM offers dedicated on-call and online support for acute and chronic health
conditions. To talk with an Aetna In Touch Care nurse call 1-855-346-7095 (TTY: 711).
Say goodbye to tobacco — these resources can help
A tobacco coach, at your local CVS pharmacy®. At the pharmacy, you can sign up to receive tobacco-cessation
coaching from a CVS MinuteClinic™ clinician. You’ll show your ID card and get face-to-face coaching. There’s no
cost and no claim to submit. When you meet with the coach 3 times, you’ll eliminate the tobacco surcharge on
your medical premiums.
A lifestyle coach, with whom you can work by phone or online, as part of group coaching. You’ll also get 8 weeks of
nicotine replacement therapy (NRT) in the form of patches, gum, lozenges or mini lozenges at no cost to you. When
you complete 3 Lifestyle Coaching sessions, you’ll eliminate the tobacco surcharge on your medical premiums.
Prescription drug benefits, available through your medical plan, that cover smoking-cessation medications. Your
2020 Open Enrollment Guide
plan benefits can supplement and continue smoking-cessation therapy and medications beyond the 8 weeks available
through Lifestyle Coaching described above.
12There’s more for your good health online at aetna.com
From claims information to finding a specialist, your member website is
your online health hub. Register and login. Then check coverage, find
network doctors, take the Health Assessment, get cost estimates* and
much more. Get started at www.aetna.com.
*Estimated costs not available in all markets or for all procedures. Actual costs may differ
for a number of reasons, including if additional or different services are performed by the
doctor or facility at the time of your visit, and/or additional claims/member payments are
processed before the actual claim for the estimated service is processed.
Your Employee Assistance Plan (EAP)
Through Resources For Living®, your EAP, all employees have
access to support for both wellness and well-being. The EAP’s
free, confidential services are available to both Aetna and
Kaiser plan members and can help with:
■ Family relationships
■ Stress
■ Work/Life balance
■ Weight loss
■ Legal and financial consultation
The plan also provides 3 face-to-face counseling
sessions per year, per incident, at no cost to you, plus
access to web tools and resources. You can contact the
EAP 24/7/365 at 1-888-238-6232 (TTY: 711) or visit
www.resourcesforliving.com and log in with
username: METTLER and password: TOLEDO.
2020 Open Enrollment Guide
13Kaiser Medical Benefits (California Residents Only)
Kaiser Permanente HMO Plan
Out-of-Pocket Maximum(s) and Deductible(s)
■ For services that apply to the plan out-of-pocket maximum, you will not pay any more cost share for the rest of the
accumulation period once you have reached the amounts listed below.
■ For services that are subject to the Plan Deductible or the Drug Deductible, you must pay charges for covered services
you receive during the Accumulation Period until you reach the deductible amounts listed below. All payments you make
toward your deductible(s) apply to the Plan Out-of-Pocket Maximum amounts listed below.
Amounts Per Self-Only Coverage Family Coverage Family Coverage
Accumulation Period (a family of one member) (Each member in a family (Entire family of two
of two or more members) or more members)
Plan out-of-pocket maximum $2,500 $2,500 $5,000
Plan deductible $250 $250 $500
Drug deductible None None None
Covered Services
Professional Services (Plan Provider Office Visits) You Pay
Most primary care visits and most non-physician specialist visits $10 per visit (plan deductible does not apply)
Most physician specialist visits $10 per visit (plan deductible does not apply)
Routine physical maintenance exams, including well-woman exams No charge (plan deductible does not apply)
Well-child preventive exams (through age 23 months) No charge (plan deductible does not apply)
Family planning counseling and consultations No charge (plan deductible does not apply)
Scheduled prenatal care exams No charge (plan deductible does not apply)
Routine eye exams with a plan optometrist No charge (plan deductible does not apply)
Urgent care consultations, evaluations and treatment $10 per visit (plan deductible does not apply)
Most physical, occupational and speech therapy $10 per visit after plan deductible
Outpatient Services You Pay
Outpatient surgery and certain other outpatient procedures 10% coinsurance after plan deductible
Allergy injections (including allergy serum) No charge after plan deductible
Most immunizations (including the vaccine) No charge (plan deductible does not apply)
Most x-rays and laboratory tests $10 per encounter after plan deductible
Preventive x-rays, screenings and laboratory tests as described in the EOC No charge (plan deductible does not apply)
MRI, most CT, and PET scans 10% coinsurance up to a maximum of $150 per
2020 Open Enrollment Guide
procedure after plan deductible
Covered individual health education counseling No charge (plan deductible does not apply)
Covered health education programs No charge (plan deductible does not apply)
14Covered Services Continued
Hospitalization Services You Pay
Room and board, surgery, anesthesia, x-rays, laboratory tests and drugs 10% coinsurance after plan deductible
Emergency Health Coverage You Pay
Emergency department visits 10% coinsurance after plan deductible
Note: This Cost Share does not apply if you are admitted directly to the hospital as an
inpatient for covered services (see “Hospitalization Services” for inpatient cost share).
Ambulance Services You Pay
Ambulance services $150 per trip after plan deductible
Prescription Drug Coverage You Pay
Covered outpatient items in accord with our drug formulary guidelines:
Most generic items at a plan pharmacy $10 for up to a 30-day supply (plan deductible does not apply)
Most generic refills through our mail-order service $20 for up to a 100-day supply (plan deductible does not apply)
Most brand-name items at a plan pharmacy $30 for up to a 30-day supply (plan deductible does not apply)
Most brand-name refills through our mail-order service $60 for up to a 100-day supply (plan deductible does not apply)
Most specialty items at a plan pharmacy 20% coinsurance (not to exceed $200) for up to a 30-day supply
(plan deductible does not apply)
Durable Medical Equipment (DME) You Pay
DME items as described in the EOC 20% coinsurance (plan deductible does not apply)
Mental Health Services You Pay
Inpatient psychiatric hospitalization 10% coinsurance after plan deductible
Individual outpatient mental health evaluation and treatment $10 per visit (plan deductible does not apply)
Group outpatient mental health treatment $5 per visit (plan deductible does not apply)
Substance Use Disorder Treatment You Pay
Inpatient detoxification 10% coinsurance after plan deductible
Individual outpatient substance use disorder evaluation and treatment $10 per visit (plan deductible does not apply)
Group outpatient substance use disorder treatment $5 per visit (plan deductible does not apply)
Home Health Services You Pay
Home health care (up to 100 visits per Accumulation Period) No charge (plan deductible does not apply)
Other You Pay
Skilled nursing facility care (up to 100 days per benefit period) 10% coinsurance after plan deductible
Prosthetic and orthotic devices as described in the EOC No charge (plan deductible does not apply)
2020 Open Enrollment Guide
Covered services for diagnosis and treatment of infertility 50% coinsurance (plan deductible does not apply)
Hospice care No charge (plan deductible does not apply)
Need More Information?
Contact Kaiser Member Services at 1-800-464-4000. 15Dental benefits
Keep your smile bright with the Aetna Dental® PPO Plan
The Aetna Dental PPO Plan covers a variety of dental services, from preventive exams and cleanings, to crowns and root canals.
The chart below shows how the plan pays benefits.
As you can see, benefits are the same in-network and out-of-network. However, you may pay more out of pocket for out-of-network
care if the dentist charges more than the reasonable and customary amount (as defined by Aetna) for a given service.
Find network dentists: Log into www.aetna.com and look under “Find Care & Pricing.”
Benefits What You Pay
(In network and out of network*)
Dental Exam/Cleaning
– 2 times/calendar year $0
Deductible
– Single/Family $85/$225
Coinsurance
– General services (fillings, extraction) 20% after the deductible
– Major services (inlays, crowns) 50% after the deductible
Benefits Maximum
– Annual max per person $1,500
– Orthodontic lifetime per person $1,500
*When you use an out-of-network provider, you may be responsible for amounts over what is considered reasonable
and customary (R&C) for a given service.
Reminder:
When you need dental or vision care, give
the doctor or other provider your name,
date of birth and Social Security number.
Your provider can confirm coverage and
plan information online.
2020 Open Enrollment Guide
16Vision benefits
Vision Service Plan® (VSP) saves you and your family money on vision care
The VSP covers vision care that includes an annual eye exam and prescription eyewear, such as lenses, frames and contacts.
Vision care is a qualified medical expense, which means you can use your HSA or Health Care FSA to help with the cost.
When you enroll in the VSP, you may choose any coverage tier; it doesn’t have to be the same as the tier you choose for your
medical plan. You can search VSP providers at www.vsp.com or call 1-800-877-7195.
The chart below shows highlights of the plan.
Service/Material Description What You Pay Frequency
Wellness vision exam Focuses on your visual $0 Every calendar year
wellness
Prescription glasses See frames and lenses $10 Once every calendar year
Lenses – Single vision, lined bifocal Included in prescription Once every calendar year
and lined trifocal lenses glasses
– Polycarbonate lenses for
dependent children
– Scratch-resistant coating
and UV protection
Frames – $150 allowance for frames Included in prescription Once every other
of your choice glasses calendar year
– 20% off the amount over
your allowance
Contacts (instead of glasses) – $150 allowance for Up to $60 Once every calendar year
contacts; copay does
not apply
– Contact lens exam (fitting
and evaluation)
Walmart is now a network provider
2020 Open Enrollment Guide
17Life insurance benefits
Choose the amount of coverage that’s right for you
METTLER TOLEDO provides all employees with basic term life insurance at no cost. This coverage is equal to 1 times your
total annual compensation. You have the option to purchase additional life/AD&D insurance coverage in increments
of 1, 2, 3 or 4 times your basic life insurance amount, up to a maximum of $1,000,000.
During Open Enrollment, you may enroll or increase your coverage up to the lesser of 3 times your annual compensation
or $500,000 with no medical questions.
Enhanced Dependent Life Insurance Coverage Options
Supplemental Spouse Life Insurance coverage will be available in the following increments:
$10,000 $25,000 $35,000 $50,000 $75,000 $100,000
Coverage can’t exceed 50% of employee’s total life insurance (basic plus supplemental) coverage.
During Open Enrollment, you may enroll or increase your Supplemental Spouse Life Insurance coverage up to $50,000
without medical questions.
Dependent Child Life Insurance will be available in the following increments:
$5,000 $10,000
Employees currently enrolled in supplemental
employee life/AD&D:
■ Elections will remain in force with no changes.
Employees currently enrolled in Dependent life:
■ Spouse life coverage will default to $10,000
■ Child life coverage will default to $5,000
Costs for coverage are outlined on page 22.
2020 Open Enrollment Guide
Don’t miss this opportunity to enroll in life insurance with no health questions up to
your guarantee issue amount, available only during the 2020 open enrollment period.
Reduced rates and additional levels of coverage available for 2020!
18Long-term disability benefits
Protect your income when illness or injury takes you away from work
METTLER TOLEDO provides basic LTD coverage at no cost to you. This plan replaces 60% of your income, to a maximum monthly
benefit of $7,500. A buy-up plan is also available for purchase, which allows you to increase the monthly benefit amount.
The buy-up plan
You may elect to purchase additional coverage that increases your monthly benefit to 66.67% of your income, to a maximum
monthly benefit of $15,000. You must enroll for the buy-up plan during Open Enrollment. If you miss this opportunity, you may
not enroll until the next Open Enrollment. If you are already enrolled in the buy-up plan, your coverage will carry over to 2020.
There’s no need to re-enroll. Your annual cost for buy-up coverage is $0.23 per $100 of your annual compensation.
Important Note:
Buy-up benefits are not payable for a pre-existing
condition. This is a condition for which:
■ You received medical treatment, consultation, care
or services, including diagnostic measures, or took
prescribed drugs or medicines in the 3 months just
prior to your effective date of coverage, or you had
symptoms for which an ordinarily prudent person
would have consulted a health care provider in
the 3 months just prior to your effective date of
coverage; and
■ The disability begins in the first 12 months after
your effective date of coverage.
2020 Open Enrollment Guide
19Life event changes
Throughout the 2020 plan year, you may change or cancel your benefits elections only if you experience what’s called a
qualifying life event change. To make a benefits change, you must inform your Human Resources department of the
life event and request for change within 31 days of the event.
Qualifying life events:
■ Change in marital status (marriage, change in domestic partner status, death of a spouse, divorce, legal separation
or annulment)
■ Change in number of dependents (birth, death, adoption or placement for adoption)
■ Change in employment status (change in your or your dependent’s employment status due to termination or start of
employment, reduction in hours, commencement of or return from an unpaid leave of absence)
■ Change in dependent’s eligibility (dependent no longer satisfies eligibility requirements due to age or obtaining coverage
through another employer-sponsored plan) – an example of this is when your currently covered dependent turns age 26
Remember, you have 31 days from the date of the qualifying life event to make the change to your benefits. If you fail to meet
this window, you will not have a chance to change your coverage until the next benefits Open Enrollment period in fall 2020
(for 2021 coverage).
2020 Open Enrollment Guide
202020 employee contributions
Semi-Monthly Rates Bi-Weekly Rates Weekly Rates
High Deductible Health Plan
Employee Only $45.47 $41.97 $20.59
Employee + Spouse $89.72 $82.82 $40.63
Employee + Child(ren) $79.68 $73.55 $36.08
Employee + Family $131.90 $121.75 $59.73
Traditional PPO
Employee Only $74.20 $68.49 $33.60
Employee + Spouse $158.93 $146.70 $71.97
Employee + Child(ren) $136.90 $126.37 $61.99
Employee + Family $225.92 $208.54 $102.30
Kaiser HMO (California Residents Only)
Employee Only $63.07 $58.22 $28.56
Employee + Spouse $139.33 $128.61 $63.09
Employee + Child(ren) $131.41 $121.30 $59.51
Employee + Family $214.78 $198.26 $97.26
Dental
Employee Only $8.65 $7.98 $3.92
Employee + Spouse $15.57 $14.37 $7.05
Employee + Child(ren) $18.17 $16.77 $8.23
Employee + Family $28.54 $26.34 $12.92
Vision
Employee Only $3.98 $3.67 $1.80
Employee + Spouse $7.07 $6.53 $3.20
Employee + Child(ren) $8.25 $7.62 $3.74
Employee + Family $13.07 $12.06 $5.92
Employees working fewer than 30 hours per week should contact their local Human Resources team for part-time rates.
A tobacco surcharge of $100 per month will be added to medical premiums if any covered dependent
uses tobacco. For help to quit tobacco, see page 12.
2020 Open Enrollment Guide
A working spouse surcharge of $100 per month will be added to medical premiums if you enroll
a spouse or domestic partner for METTLER TOLEDO benefits when he or she has coverage available
from another employer.
21Life insurance costs
Employee supplemental life insurance Dependent life insurance costs
and AD&D costs
Spouse Life
Employee Age Rate per $1,000 Coverage per Month
Coverage amount Rate per monthWe’re here for you
If you have questions on your health care options, resources or services, please contact:
Benefit Provider Website Phone Number Plan Number
Medical, Dental and Rx Aetna www.aetna.com 1-800-622-8544 868009
Rx Mail Order Aetna www.aetna.com 1-888-792-3862 868009
Teladoc – virtual office visits Aetna www.teladoc.com/aetna 1-855-835-2362 868009
Medical – CA residents only Kaiser www.kp.org 1-800-464-4000 035137
FSA & HSA PayFlex www.payflex.com 1-888-678-8242 138118
Employee Assistance Program Resources www.resourcesforliving.com 1-888-238-6232 868009
For Living Username: METTLER
Password: TOLEDO
Vision VSP www.vsp.com 1-800-877-7195 12023335
401(k) Vanguard https://retirementplans. 1-800-523-1188 091706
vanguard.com
Travel Assistance Assist America N/A 1-800-872-1414 01-AAUN-762490
Questions?
Please contact your local
Human Resources team.
2020 Open Enrollment Guide
23This enrollment guide describes the METTLER TOLEDO Group Benefits Program as the company currently intends to offer it. The company
reserves the right to, at any time, and for any reason, to amend the terms of the program or to terminate any of the benefits offered under it.
CCG METTOL-0008 (9/19) ©2019 Aetna Inc.You can also read
