Total Rewards at Ancestry - 2020 Open Enrollment - Utah
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Total Rewards at Ancestry 2020 Open Enrollment
Agenda
I. What’s Changing, What’s New
II. Medical Benefits
• Virtual Medicine
• Health Advocate/EAP
III. Changing Your Benefits
IV. 2020 Rates
V. HSA Accounts
VI. FSA/DCAP Accounts
VII. Retirement Saving & Investment Account
VIII. Cool Perks
IX. ID Cards
X. Questions
Open Enrollment: November 1 – November 18
Access
Involve your
Read your Workday to
Mark your spouse/
enrollment make your
calendar partner in
information election
your review
changes
Open Enrollment elections are effective January 1 - December 31, 2020
3
2020 at a Glance
2020 Enhancements & Exciting News!
• 2020 - Enhancements ! • 2020 – What’s new?
§ Medical • Ancestry is changing carriers from Navia/Avidia to UHC/Optum Bank
- Fertility benefits will be enhanced in the UHC medical plans. Please for Flexible Spending Account and Health Savings Account
refer to the medical policy booklets for specific coverage and administration due to our ongoing efforts to ensure you receive great
limitations. service. What does that mean?
§ You must still re-enroll every year in the Health Care/or Dependent
§ Dental Care Flexible Spending Accounts (FSA).
- Orthodontia lifetime maximum is increasing from $1,500 to
$2,000. § Your HSA contribution will roll over if you do not make any changes
- Adult orthodontia coverage has been added to the MetLife plan. to your elections.
- Removed several exclusions from the MetLife dental plan. Please
§ 2020 participants will receive a new FSA and/or HSA debit card.
review the benefit summaries for more information.
§ Life and Disability • Contribution Limits
- Basic Life/AD&D benefit maximum increased from 3 times your § Health FSA contribution maximum increasing to $2,700.
annual salary up to $1 million. The current maximum is $350,000.
- Short Term Disability benefit maximum increased from $2,500 to § HSA contribution maximum increasing to $3,550 for an individual
$3,500 per week (replaces 60% of your salary up to plan limit). and $7,100 for a family.
- Long Term Disability benefit maximum increased from $10,000 to
$15,000 per month (replaces 60% of your salary up to plan limit).
5
Changing Your Benefits
This is your once-a-year opportunity to enroll in or make changes to your benefits.
You must take action if you want to: If you do not take action:
• Make changes to your medical, dental, • Your current Workday benefit
or vision coverage for the upcoming elections, including HSA, will roll over
year. but at 2020 rates.
• You must re-enroll every year in the • Your FSA/DCAP accounts will end on
Health Care/or Dependent Care 12/31/2019, unless you take action to
Flexible Spending Accounts (FSA). re-enroll.*
• Add or drop a dependent. * You can still file 2019 expenses through March 31, 2020
It is your responsibility to complete your benefits enrollment on time.
6
Changing Your Benefits
• Remember, your Open Enrollment elections will
be in effect January 1 – December 31, 2020.
• You will not be able to make mid-year changes
unless you have a “Qualified Status Change,”
which can include (but isn’t limited to) marriage,
domestic partnership, divorce, birth or adoption
of a child, or death of spouse or child.
• Changes are allowed within 30 days of a
qualifying event.
7
Get More From Your Medical Plans
Free Preventative Care 24/7 Nurse Line Virtual Medicine
• Annual physicals • Decide when to visit your doctor, or go • See a doctor from your mobile
• Well woman exams & to an Urgent Care or ER device or computer by accessing
mammograms • Find network doctors and schedule www.myuhc.com
• Childhood & recommended appointments • Get a diagnosis and a prescription
• Understand your medications and how within 20 minutes or less
adult Immunizations to take them safely • Avg. cost $10-$50, depending on
• Visit healthcare.gov for a • Nurse line contacts: your UHC plan
complete list • UHC: 1-844-333-8019
8
Health Advocate & Employee Assistance Program (EAP)
Health Advocate
Ancestry provides you and your eligible family members with confidential access to Personal
Health Advocates to assist with coverage and claim questions.
• Explain benefit plan coverage
• Help you understand tests, treatments & medications
• Untangle insurance claims
• Find qualified doctors & hospitals
Health Advocates are available to you 24-hours, seven days a week by calling 1-866-695-8622,
emailing answers@healthadvocate.com, visiting www.healthadvocate.com/members or the
Health Advocate mobile app.
Employee Assistance Plan (EAP)
Ancestry provides you and your eligible family members with unlimited telephonic access and up
to 5 confidential in-person or real-time video counseling session for many types of issues.
• Family and Relationship struggles
• Drug & alcohol abuse
• Financial hardship
• Stress or depression
Counselors are available 24-hours, seven days a week by calling 1-866-799-2728, visiting
www.healthadvocate.com/members or via the Health Advocate mobile app.
9
2020 Monthly Rates for Medical, Dental & Vision
Employee Cost of Coverage
2019 2020 2019 2020
UHC PPO $500 Plan MetLife Dental Plan
Employee Only $139.00 $152.00 Employee Only $16.00 $16.00
Employee + Spouse/ DP $311.00 $339.00 Employee + Spouse/ DP $30.00 $30.00
Employee + Child $297.00 $324.00 Employee + Child $33.00 $33.00
Employee + Family $428.00 $467.00 Employee + Family $57.00 $57.00
UHC HSA Medical $1,500 2019 2020 2019 2020
Plan VSP Vision Plan
Employee Only $67.00 $73.00 Employee Only $0.00 $0.00
Employee + Spouse/ DP $129.00 $141.00 Employee + Spouse/ DP $8.00 $8.00
Employee + Child $124.00 $135.00 Employee + Child $11.00 $11.00
Employee + Family $184.00 $201.00 Employee + Family $16.00 $16.00
UHC HSA Medical $2,500 2019 2020
Plan
Employee Only $48.00 $52.00
Employee + Spouse/ DP $105.00 $114.00
Employee + Child $99.00 $108.00
Employee + Family $144.00 $157.00
10Health Savings Accounts: HSA
Health Savings Account (HSA)
Tax Advantages Use it Today… …And in the Future
• TAX-FREE
Contributions • Medical, dental, • Grow your account
Withdrawals vision • Balance earns
Interest & earnings • Annual rollover interest
*Federally tax-free
AL, CA & NJ tax HSA contributions
• Funds are portable • Retirement savings
NJ & TN tax HSA interest and earnings
Ancestry Annually Contributes: 2020 Contribution Limits
To the $1,500 Plan: $750 individual / $1,500 family $3,550 individuals
To the $2,500 Plan: $1,250 individual / $2,500 family $7,100 families
$1,000 HSA catch-up (55+)
12Are You Eligible for an HSA?
• Must be enrolled in a high deductible health plan
(HDHP)
• May not have a medical flexible spending account
(including spouse/domestic partner FSA)
• Cannot be claimed as a tax dependent
• May not be enrolled in Medicare, Medicaid or
Tricare
• May not be enrolled in any other non-high
deductible health plan (e.g. traditional HMO or
PPO)
13Other Tax Savings Plans
Flexible/Dependent Care Spending (FSA)/(DCA)
Plan Features Limited Purpose FSA
• Up to $2,700 flexible spending • For HDHP participants
per year • Dental & vision claims only
• Up to $5,000 dependent care
per year Standard FSA
• Pre-tax payroll deductions • For participants enrolled in the UHC
• Incur expenses from Jan 1 – PPO $500
Dec. 31, 2020 • Medical, dental & vision expenses
• Submit 2020 plan year expenses
Dependent Care Account
by Mar. 31, 2021
• Daycare & in-home care while you
• USE IT OR LOSE IT!
work
• For children under 13, incapacitated
tax-dependents, & elder care
15Retirement Savings & Investment Plan
401(k) Plan
Traditional pre-tax 401(k) and the after-tax Roth 401(k)
• Ancestry will match 100% of the first 3% you contribute
• Financial education, advice and 1:1 support is offered through CAPTRUST.
Contact them at 1-800-338-4015 or visit www.captrustadvice.com
• Matching contributions are vested over 4 years
2019 Contribution Limit*:
$19,000 ($25,000 age 50+) • You can change your contribution amount at any time during the year by
*These amounts are evaluated annually by
visiting Empowers website
the IRS and are subject to change.
- https://participant.empower-retirement.com/participant/#/login
Start saving for your retirement today!
16Other Ancestry Perks
Cool Perks for YOU!
• Wellness • HistoryMakers
§ Earn incentives for biometric screenings, § Employee recognition program – give one of
online health risk assessments, and your work colleagues a shout out for a job
personalized health missions well-done
• Espresa • Alliant Online Credit Union
§ Fast and easy way to seek reimbursements § Free ATM use, higher interest on
savings/checking accounts and lower loan
• Massage interest
§ Relax with a massage from one of our
licensed therapists
• Tuition Reimbursement
§ Available for job-related programs
18ID Cards
Medical
§ You will not receive a new ID card if you are not making any plan changes.
§ If you newly enrolled in UHC or did a plan change, you will receive your new ID card in
the mail in January.
§ To access a temporary UHC medical card, please visit www.myuhc.com, or download
the free UnitedHealthcare.
Dental & Vision
§ No ID cards. Please use your SSN with your provider.
§ MetLife Dental – you can register at www.metlife.com and print a personalized ID card.
§ VSP Vision - you can register at www.vsp.com and print a personalized ID card.
Flexible Spending/Health Savings Account
§ If you enrolled in the FSA and/or HSA plan, you will receive a new debit card from
UHC/ Optum Bank, our new administrator for 2020.
§ Download the free UnitedHealthcare app (FSA) and the Optum Bank app (HSA) to
access your benefits, view contributions and submit claims.
§ 2019 FSA claims should continue to be submitted to Navia, not Optum. Submit by
March 31, 2020!
19How to Enroll or Make Changes
• Refer to Treehouse and an e-mail sent from Total Rewards on instructions
for how to make changes within Workday
• Visit www.ancestrybenefits.com, under Open Enrollment for additional
information
• Complete all enrollments or changes by November 18, midnight PST
• All changes are effective January 1, 2020
20Agenda
Don’t Forget! Open Enrollment Ends
November 18th
For specific benefit details, please visit Ancestry
Benefits or Treehouse/Total Rewards:
https://www.ancestrybenefits.com/
Or Email:
totalrewards@ancestry.com
21Questions Please contact totalrewards@ancestry.com
Thank you
23You can also read
