Benefits for Life's Moments - Annual Enrollment Nov. 8 - Nov. 19, 2021 - CareFirst
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Benefits for
Life’s Moments
Annual Enrollment
Nov. 8 – Nov. 19, 2021
Check Out Your 2022
Sodexo BenefitsIt’s Time To Choose Benefits For All Life’s Moments Annual Enrollment is the time to get the benefts you need for 2022. See all the great benefts Sodexo ofers you and your family that support your well-being year-round. Size Up the medical plans and other coverage options available. Select the benefts that are right for you and your family during Annual Enrollment from November 8 – 19. Whether you’re single or married, saving for your future or seeking fnancial protection, Sodexo cares about keeping you and your family happy and healthy by ofering a variety of programs. And they’re all inside this guide.
Changes Health Money Enroll Resources 3
Great News
For 2022
Sodexo works hard to ofer you and your family programs and
resources so you can be healthy, protected and balanced. That’s
why we’re excited to share a number of nice changes we’ve put in
place for 2022. As you think ahead to next year and consider what
kinds of needs you’ll have, take a look at what’s new and diferent so
you’ll be ready to enroll or make changes to your Sodexo benefts.
New Medical Plan Added More Access To Services
• The CareFirst Catastrophic Medical Plan—A new For CareFirst Members
medical plan that provides basic coverage for big medical
• Free mental health visits through CareFirst Video Visit—
expenses, rather than coverage for everyday, routine
See a mental health provider virtually through CareFirst
medical services. This plan is not for everyone, so be sure
Video Visit at no cost. In fact, all services through Video Visit
you compare it to the other CareFirst medical plans
are now free!
• Free virtual physical therapy—The new Hinge Health
program, available to CareFirst medical plan participants,
ofers free virtual physical therapy exercises that you can do
in your home on your schedule
• More free procedures through Carrum Health—The Carrum
Health no-cost surgery benefts have expanded to include more
types of surgeries and new cancer supportChanges Health Money Enroll Resources 4
Other Pluses
• Enhanced vision benefts at no additional cost—In the
EyeMed Vision plan, get better benefts when you use vision
providers who are in the Eye360 network. Also, see the
enhancements to benefts for progressive lenses
• Increased company-paid life insurance for full-time
hourly employees—Under Free Basic Life, the beneft for
hourly employees will increase from $10,000 to $25,000
• Dental rates go down for the third year in a row—We
reduced our dental rates while keeping our dental plan benefts
in the top quartile for our industry
• Most rates will stay the same for 2022 with
the exception of medical coverage
Changes to what you pay
for medical benefts
With healthcare costs continuing to rise nationwide,
there will be an increase in 2022 medical rates and
some changes to the CareFirst medical plan benefts.
Changes to other medical options’ rates vary. What
doesn’t change is that Sodexo will still pay for the
majority of medical costs.Changes Health Money Enroll Resources 5
Hey! Use the new Alight Mobile App during
Annual Enrollment (from Nov. 8 - Nov. 19) and
One-on-one benefts support you’ll be entered into a drawing to win a $100
Have questions about your benefts, claims gif card! There will be 20 winners. Don’t miss this
or need help understanding the plans? A opportunity to win!
HealthPro Consultant with Advocacy Services
can walk you through it. Call 866-888-3203
8 a.m. – 7 p.m. ET, Monday through Friday. Get the new Alight
Mobile app and a chance
to win a $100 gif card!1
Download our new Sodexo Benefts
Center app called Alight Mobile
to access your benefts anytime,
anywhere. See plan details, make
changes, enroll, link to vendors, use
“
tools and more.
I had a great experience with my
HealthPro at Advocacy Services. To get the app, log into the Sodexo
She helped me to resolve a Benefts Center website and add your
claims matter recently. This was phone number under your profle.
my second successful experience Then, download the app and search
for Sodexo. Follow the prompts to
with Advocacy. This time, they
get set up. Your Alight Mobile app
assisted me with a bill from the username and password will be the
ER when I wasn’t seen. Saved me same as what you use for the Sodexo
so much time and efort.” Benefts Center website.
1 Winners must be actively employed at the time of gif
- Jen card distribution, or the gif card will be forfeited. All
federal, state and local laws and regulations apply.
Consult your tax advisor for more information.Changes Health Money Enroll Resources 6 Health Take Care & Stay Well Your well-being is important to us, which is why we ofer healthcare coverage and support, incentives for living a healthy life, and programs for your physical, fnancial and emotional well-being. Medical You have three national medical plan options administered by CareFirst BlueCross BlueShield—the Health Reimbursement Account (HRA), Preferred Provider Organization (PPO) and Catastrophic Plan. Each plan has a Blue Rewards Account for incentives you earn to help pay for eligible healthcare expenses. See page 14 for details. Depending on where you live, you may be eligible for one of the regional medical plans, which include the Kaiser Permanente HMO, HMSA PPO and HMO, and Triple-S Salud.1 1 If you live in California, Colorado, Georgia, Hawaii or the Mid-Atlantic region (DC/MD/VA), you have Kaiser Permanente HMO as an additional medical plan option. HMSA plans are available in Hawaii, and Triple-S Salud is only available in Puerto Rico. The CareFirst PPO, CareFirst HRA and CareFirst Catastrophic plans aren’t available if you live in Hawaii or Puerto Rico. For plan details, refer to your personalized enrollment worksheet and contact the plan administrators, located in the contacts in the back of this guide.
Changes Health Money Enroll Resources 7
CareFirst HRA HRA Plan
In-network
PPO Plan
In-network
And PPO Plans Money from Sodexo (Put in plan account)
You $250
The CareFirst HRA and PPO Plans You + Spouse/
$375
cover the same eligible services, Domestic Partner
N/A
allow you to see any provider you You + Child(ren) $375
want (you’ll pay less with in-network You + Family $500
providers) and include prescription
drug coverage (see page 9). Annual Deductible (Amount you pay each year before plan pays)
You $2,500 $1,250
The HRA Plan comes with a Health
Reimbursement Account (HRA)
All Other Coverage Levels $5,000 $2,500
that Sodexo contributes money to. Copays and Coinsurance (Amount you pay)
You can use it to help pay for eligible Preventive Care $0 (no deductible) $0 (no deductible)
health expenses until you meet
Primary Care Office Visit 30% afer deductible $30 copay
your deductible.
Specialist Office Visit 1
30% afer deductible $40 copay
Physical, Speech, and
Occupational Therapy Visits $15 copay $15 copay
Use your HRA Chiropractic Care2 30% afer deductible $40 copay
prescription debit card
Visits for illness, Visits for illness,
If you enroll in the CareFirst CareFirst Video Visit mental health and other mental health and other
services are free services are free
HRA Plan, you’ll get a debit card
tied to your account to pay for Urgent Care 30% afer deductible, then $30 copay
$150 copay (waived if admitted)
prescription drugs so you don’t
$150 copay
have to pay out-of-pocket. Emergency Room3 30% afer deductible, then (waived if admitted),
$150 copay (waived if admitted)
then 30% afer deductible
Hospital Coverage3 30% afer deductible, $250 copay,
then $250 copay then 30% afer deductible
Most Other Services 30% afer deductible 30% afer deductible
2022 Changes New
Out-of-Pocket Maximum (The most you pay in a year)
Individual $8,700 $8,700
All new information is
Family $17,400 $17,400
highlighted in color in
the chart. 1 You don’t need a referral to see a specialist.
2 Limited to 30 visits.
3 Urgent and emergency care is covered at the in-network level even if the facility is not in the network.Changes Health Money Enroll Resources 8
CareFirst Catastrophic
Medical Plan New
The CareFirst Catastrophic Medical Plan provides coverage if you Need help choosing
experience a catastrophic illness or injury, such as from a car a medical plan?
accident or heart attack. Potentially life-threatening events like In the Sodexo Benefts Center
these are costly and might cause you to meet your deductible and Annual Enrollment tool, you
out-of-pocket maximum. can estimate what your
medical care will cost in 2022
Under this medical plan, you pay all medical expenses until
based on your past medical
you meet your deductible and out-of-pocket maximum (which
history. You can even get a
are combined into one amount). This means you will pay 100%
recommendation for a plan
of the cost of regular medical services—such as doctor visits,
based on this information.
prescriptions, specialist visits and elective surgeries—until you
have met your deductible and out-of-pocket maximum. Once you
meet these, the plan will pay 100% toward covered services for the
remainder of the calendar year.
Catastrophic Plan
In-network Afer you enroll, register
Annual Deductible and Out-of-Pocket Maximum online with CareFirst to:
(Amount you pay each year before plan pays)
• Find in-network
You $6,350 providers (you’ll save
All Other Coverage Levels $12,700 money this way!)
You Pay 100% Until Deductible is Met • View out-of-network
coverage
Preventive Care You pay $0 (no deductible)
• See more plan details
Most Medical Services (Office visits ; urgent care visits,
1
therapy, elective surgeries; prescriptions) You pay 100% until deductible is met
Other Services You pay 100% until deductible is met
Visits for illness, mental health
CareFirst Video Visit
and other services are free
1 You don’t need a referral to see a specialist.
NOTE: Massachusetts residents should be aware that this plan may not meet the Massachusetts Connector creditable coverage
requirements. Thus, enrolling in this plan may lead to adverse tax consequences in your state of residence. For additional information,
please go to mass.gov/info-details/contact-masshealth-information-for-members or contact a tax professional or your fnancial
advisor for advice. Sodexo and the Medical Plan are not responsible for any additional taxes or penalties resulting from your choice to
participate in this plan. Please review all the Medical Plan options available to you before making a decision in which plan option to enroll.Changes Health Money Enroll Resources 9
Prescription Drugs
You automatically get prescription drug coverage with Express Scripts if you
enroll in the CareFirst HRA, PPO or Catastrophic Plan.
HRA Plan PPO Plan Catastrophic Plan
2022 Changes New
All new information is
Retail (30-day supply)
highlighted in color in
Generic1 $15 copay $10 copay the chart.
Brand 30% ($60 minimum, 10% ($50 minimum, You pay 100% until you
$150 maximum) $125 maximum) reach your deductible and
out-of-pocket maximum
Non-Formulary 30% ($90 minimum, 30% ($75 minimum, Need to fll a long-term
Brand $235 maximum) $175 maximum)
90-day prescription?
Mail Order (90-day supply)2
Use home delivery from Express
Generic1 $30 copay $20 copay Scripts or pick it up at a local
30% ($120 minimum, 10% ($100 minimum, You pay 100% until you participating Smart90 network
Brand
$300 maximum) $250 maximum) reach your deductible and pharmacy. Otherwise, you will pay
out-of-pocket maximum
Non-Formulary 30% ($180 minimum, 30% ($150 minimum, 100% of the cost of a 30-day supply
Brand $470 maximum) $350 maximum) of the medication afer you fll your
initial prescription and two reflls of
the drug at a retail pharmacy.
1 The program requires you to use generic drugs when available or you’ll pay a higher cost.
2 Some long-term specialty drugs are required to be flled through mail order on the frst fll.
Check with your plan for details.
Afer you enroll, register
online with Express Scripts
or download the app to:
• Create an account
• Find network pharmacies
• Manage home delivery medications
Visit express-scripts.com/sodexo
or call 800-903-7968 with questions.Changes Health Money Enroll Resources 10
How CareFirst Medical Plans Work
Not sure which plan is right for you? Here are a few examples that may help.
Meredith Alex and spouse Sally and family
• Covering only herself • Covering himself + his spouse • Covering herself, her spouse and
• Low healthcare use • Moderate healthcare use her three children
• High healthcare use
Meredith is single and generally Alex is moderately healthy but has
a healthy person with minimal a chronic condition and needs fairly Sally has family coverage. One child
healthcare needs. In 2022, she frequent primary and specialist has a chronic condition and uses
will have: care. His spouse is also pretty long-term medications, requiring
healthy, but has one planned occasional urgent care and ER
1 preventive office visit outpatient procedure. In 2022, they visits. In 2022, the family will have:
2 primary care doctor visits will have:
5 preventive office visits
1 physical therapy visit 2 preventive office visits 6 primary care doctor visits
1 urgent care visit 5 primary care doctor visits 4 specialist visits
2 emergency room visits 4 specialist visits 2 urgent care visits
1 retail (30-day) generic 1 outpatient surgery 2 emergency room visits
prescription
2 retail (30-day) generic 6 retail (30-day) generic
Based on Meredith’s 2022 prescriptions prescriptions
medical needs, the PPO Plan is 2 mail order (90-day) non- 7 mail order (90-day) brand name
the lowest cost for Meredith. formulary brand prescriptions prescriptions
Based on Alex’s 2022 medical Based on Sally’s 2022 medical
needs, the PPO Plan is the needs, the HRA Plan is the lowest
lowest cost for Alex and cost for Sally and her family.
his spouse.
See how the costs
compare on the next page.Changes Health Money Enroll Resources 11
Compare Costs
Meredith Alex + Spouse Sally + Family
HRA Plan PPO Plan Cat Plan HRA Plan PPO Plan Cat Plan HRA Plan PPO Plan Cat Plan
In-network In-network In-network
Annual Premiums $2,198 $2,426 $1,238 $5,900 $7,252 $9,068 $8,314 $10,219 $12,777
Preventive Visit $0 $0 $0 $0 $0 $0 $0 $0 $0
Primary Care Visits $250 $60 $250 $625 $150 $625 $750 $180 $750
Specialist Visits $800 $160 $800 $800 $160 $800
Physical Therapy Visits $15 $15 $100
Urgent Care Visits $300 $30 $300 $600 $60 $600
ER Visits $2,565 $2,375 $4,000 $845 $1,625 $2,000
Outpatient Surgery $3,250 $2,375 $5,000
Generic Rx (retail) $15 $10 $30 $30 $20 $60 $90 $60 $180
Non-Formulary Rx (mail order) $480 $480 $1,600
Brand Name Rx (mail order) $1,680 $700 $2,020
Subtotal $5,343 $4,916 $5,918 $11,085 $10,437 $17,153 $13,079 $13,004 $19,127
Sodexo HRA Contributions -$250 $0 $0 -$375 $0 $0 -$500 $0 $0
Total Expenses $5,093 $4,916 $5,918 $10,710 $10,437 $17,153 $12,579 $13,004 $19,127
NOTE: Amounts used in the example are for estimating in-network costs only (not actual costs) and they assume the deductible has not been met (not applicable
for preventive or prescription drugs in the PPO/HRA plans). Be sure to use the medical plan decision tool on SodexoBeneftsCenter.com to determine which plans
meet your personal needs.Changes Health Money Enroll Resources 12
Carrum Health:
No-Cost Surgery Benefit
Surgery can be complicated and costly. Also, not all Please note that some surgical procedures will not be
medical providers deliver the same quality of care and covered if you use providers outside of Carrum Health;
sometimes surgery can even be avoided altogether. beneft is subject to limited exceptions. Surgeries that
require you to use a Carrum Health COE are total hip/knee
That’s why Sodexo ofers a no-cost surgery beneft
replacement, spinal fusion and bariatric surgery. New
through Carrum Health for employees and their
dependents enrolled in a CareFirst medical plan.
Through this beneft, you and your enrolled family members (age
18+) can access high-quality surgeons and Centers of Excellence
(COE) hospitals. All of the surgery costs and most travel expenses,
if necessary, are covered. Plus, you’ll have a dedicated patient
Care Specialist to help you throughout the entire process. Covered
surgeries under this Carrum Health beneft include knee, hip,
shoulder, back, neck and elbow. For 2022, weight loss and heart
surgery will also be included. New
New
Cancer Support
You and your doctor have access to cancer care nurses,
ongoing video consults with premier oncologists, clinical
trials guidance and education, and local specialists’
recommendations.
To learn more or use this beneft, contact Carrum Health directly
at 888-855-7806 or carrum.me/sodexo (or download the
Carrum Health app). Carrum Health’s team focuses on what
matters—your health.Changes Health Money Enroll Resources 13
Hinge Health:
Virtual Physical
Therapy Program New
Conquer your back and joint pain with Hinge
Health, and get back to the activities you love.
Hinge Health ofers innovative virtual physical therapy
programs for back, knee, hip, neck and shoulder pain
in easy-to-do 15-minute exercise sessions. It’s all
available at no cost to you and your family members
enrolled in a CareFirst medical plan. Hinge Health
provides all the tools you need to get moving again
from the comfort of your home. Here’s what you get
once you sign up:
• Your physical therapist and health coach will
work with you for up to 12 months to design a care
plan just for you
• Access to virtual physical therapy sessions as needed
• App-guided exercise therapy you can do from home
and at your own pace
Visit hingehealth.com/sodexo to learn about what’s
included or call Hinge Health at 855-902-2777.Changes Health Money Enroll Resources 14
Healthy Incentives
If you enroll in a CareFirst medical plan, you have the opportunity to
earn money toward your 2022 medical expenses.
1
Take the
2Register for
3Sign up for the
RealAge® test Video Visit Maternity Program
Ready to
Earn $100 in your Blue When you register for If you or your spouse/
start earning?
Rewards Account each year CareFirst Video Visit for domestic partner are
when you take the RealAge® the frst time, you’ll earn a pregnant, you can earn Just log into
test. This test tells you your one-time $50 incentive in up to $250 by completing carefrst.com/sodexo.
real physical age based on your Blue Rewards Account. the CareFirst Maternity
your health habits. You’ll need You can then schedule virtual Program. The program
to register for an account visits1 for: includes phone calls with a
with CareFirst and Sharecare • Common illnesses health coach and reviewing
before you can take the test. educational materials.
• Mental health
You’ll earn $250 in your
• Diet and nutrition Blue Rewards Account for
$100 • Breastfeeding/lactation
support
signing up by the third
trimester and completing
All visits are free! New three coaching calls. New
$50 per family $250
1 Please note: If you’re enrolled in a Kaiser, HMSA-Hawaii or Triple-S Salud medical plan, you may have other virtual visit tools
available. Refer to the Resources chart at the end of this booklet to contact the medical plan you enroll in or see the applicable
Summary Plan Description (SPD) and Summary of Benefts and Coverages (SBCs) located at the Sodexo Benefts Center (or call
them at 855-668-5040 to receive a hard copy).Changes Health Money Enroll Resources 15
Wellness Programs
To help you and your family stay on a healthy
path throughout the year, check out these
great free programs.
From CareFirst From LifeWorks1
The CareFirst wellness program, through LifeWorks gives you lots of ways to stay healthy, reduce and
Sharecare, ofers a variety of resources to manage stress and save money. It’s free, confdential and
keep you healthy. available 24/7 to help you and your family stay well from
• RealAge® test: Learn your true physical head to toe to wallet.
age plus earn a $100 incentive in your Blue LifeWorks has solutions and resources that support your life,
Rewards Account health, money and career. You can fnd help with whatever life
• Diabetes prevention and weight brings your way, big or small. Below are some of the many
loss support services LifeWorks ofers.
• One-on-one health coaching
• Library of videos and tips Life Health
• Smoking cessation • Parenting questions • Mental and emotional
Learn more at carefrst.com/sodexo. • Retirement planning health counseling support
• Legal and financial • Fitness coaching
matters • Nutritional advice
• Child or elder care • Fitness tips
• Virtual workouts
Money Career
• Financial guidance • Career counseling
• In-store and exclusive • Help with time
offers with vouchers and management
promo codes • Resources to improve
• Cash-back shopping your skill set
online
1 Full-time, non-temporary, non-union employees and family members are eligible for LifeWorks.Changes Health Money Enroll Resources 16
Dental
A bright smile begins with regular dental care. The Dental Plan
is administered by MetLife and covers basic and major services,
including orthodontia.
What you pay for care
In-Network Out-of-Network1
Deductible $50 $50
per person per person
Annual Maximum $2,250 $2,250
Preventive $0 20%
(Checkups, cleanings and
(no deductible) (no deductible)
fluoride treatments)
Basic Services 20% 20%
(Fillings, extractions, root canals) (afer deductible) (afer deductible)
Periodontics
(Treatment of gums and bones of the 20% 20%
mouth, including periodontal surgery (afer deductible) (afer deductible)
once per quadrant, every 36 months)
Major Services 50% 50%
(Inlays, crowns, implants) (afer deductible) (afer deductible)
Orthodontics 50% 50%
(For children under age 19) (no deductible) (no deductible)
Lifetime Orthodontia
$2,000 $2,000
Maximum2
Subject to reasonable and customary fee limits—you pay all charges above these limits.
Need to fnd a network dentist?
1
2
Only plan participants who are under age 19 when treatment begins are eligible.
Contact MetLife at metlife.com/mybenefits
or 800-942-0854.Changes Health Money Enroll Resources 17
Vision
Need glasses or contacts? Vision coverage can help. The Vision Plan is
administered by EyeMed and uses the Eye360 enhanced network of
providers. You’ll receive a better beneft when you use Plus Providers, so
look for the “plus” icon when you search providers on EyeMed’s website.
What you pay for care
In-Network Out-of-Network
Copays Reimbursement
Vision discount program
Eye Exams $0 copay Up to $32
You don’t have to be enrolled
Standard Contact $10 copay (includes two in vision coverage to take
Up to $40
Lens Exam follow-up visits) advantage of EyeMed’s Vision
Discount Program. Visit
$130 allowance, eyemed.com to learn how
Frames Up to $58
then 20% off balance
you can get discounts on:
Up to $28 for single vision • Exams
Standard Lenses $15 copay Up to $44 for bifocal • Frames
Up to $72 for trifocal/ • Lenses
lenticular
• Contacts
Tier 1 $100 copay • Hearing aids
New Tier 2 $110 copay • Laser vision correction
Progressive Tier 3 $125 copay
Up to $44
Lenses
Tier 4 $80 copay,
then 20% of retail price
less $120 allowance
$130 allowance, then Need to fnd a network
Contacts 15% off balance Up to $104 vision provider? Contact
(Instead of frames) ($130 allowance for
disposable)
EyeMed at eyemed.com
or call 866-299-1358.Changes Health Money Enroll Resources 18 Money Today & Tomorrow We have plans and programs to help you pay for care now, prepare for the unexpected and save for your fnancial future. Connected Benefits To save you money if you’re enrolled in the CareFirst medical plan (page 7) and MetLife Supplemental Insurance Plans (page 19), there is a coordination of claims to give you the fullest coverage available. You will receive a letter of explanation when there is a medical claim that may qualify as a claim under the Supplemental Insurance Plans that you’re enrolled in.
Changes Health Money Enroll Resources 19
Supplemental Insurance Plans What you can use
the money for
During enrollment, you can elect supplemental insurance plans, ofered through MetLife, for You can use the cash
additional fnancial protection for you and your family.1,2 You pay for these plans through afer-tax beneft paid to you in
payroll deductions. Keep in mind that you do not need to be enrolled in a Sodexo medical plan each plan however you
and these plans do not replace your medical insurance—they supplement your income. wish. Common expenses
include:
Coverage
Accident Critical Illness Hospital Indemnity • Deductibles and
insurance insurance insurance copays
• Treatments and
How it Provides fnancial support if you Provides fnancial support if you Provides fnancial support if you
protects or a covered family member or a covered family member or a covered family member services not covered by
you sufers an injury or death due to becomes seriously ill needs to be hospitalized your medical plan
an accident
• Out-of-network
coverage
Covered • Dislocations • Cancer • Hospital admissions
events • Gas, groceries, bills,
• Dismemberment • Heart attack • Intensive care unit (ICU)
admissions mortgage payments
• Concussions • Coronary Artery Bypass Graft
• Inpatient rehab and other living
• Cuts & lacerations • Stroke
unit stays expenses
• Accidental death • Alzheimer’s Disease
• Skin grafts • Kidney failure
Health Screening
• 2nd & 3rd degree burns • Major organ transplant
Beneft
• Eye injuries
Each enrolled person (you
• Coma
plus family members)
• Fractures
can earn an annual $75
What you Amount depends on the injury Choose a beneft amount of Amount depends on the event incentive for getting a
receive and level of care you need $10,000, $20,000, $30,000 or and level of coverage you elect health screening. These
$40,000 (paid in a lump-sum dollars can be used
payment)
however you choose.
Good to You’ll need to designate a • You’ll need to designate a • You’ll need to designate a
know benefciary when you enroll beneficiary when you enroll beneficiary when you enroll Questions?
• There is a waiting period • A flat amount is usually paid
between illness occurrences for a hospital admission and a
Contact MetLife
per-day amount for your entire at 800-GET-MET8
hospital stay (800-438-6388) or
metlife.com/mybenefts
1
Coverage varies by state. Contact MetLife at 800-GET-MET8 (800-438-6388). If you have questions, refer to the applicable Summary Plan Description (or download the
(SPD) located at SodexoBeneftsCenter.com for eligibility (or call them at 855-668-5040 to receive a hard copy).
2
Certain employees subject to a collective bargaining agreement are only eligible to participate in these plans to the extent provided for in the applicable MetLife app).
collective bargaining agreement.Changes Health Money Enroll Resources 20
Spending Accounts
Save money with tax-advantaged accounts. The Health Care Spending Account
(HCSA) and Family Care Spending Account (FCSA) help you put aside pre-tax dollars
for eligible expenses and lower your taxable income. Both accounts are administered
by Smart-Choice Accounts. You must re-enroll in these accounts each year.
HCSA FCSA
Up to $5,000 ($2,500 if married and
Your contributions Up to $2,750
fling separately)
Eligible medical, prescription,
dental and vision expenses (including
Use funds for Eligible child and elder care expenses
over-the-counter drugs and feminine
care products)
When funds As funds accumulate
Immediately
are available in your account
Options, depending on medical plan: You pay for services and then
• CareFirst medical plans: submit claims by mail, fax or
Auto-reimbursement (default) or online using the Smart-Choice Mobile
debit card (must actively elect). You app or website
can also submit claims by mail, fax
Using your funds or online using the Smart-Choice
Mobile app or website.1
• Kaiser, HMSA, Triple-S or if not in a
Sodexo plan: debit card1, or submit
claims by mail, fax or online using the
Smart-Choice Mobile app or website.
All unused funds at the end of the year are forfeited. You’ll have until
Account balance
March 31, 2023, to submit any 2022 claims.
1
Out-of-pocket expenses will be reimbursed via check or direct deposit once claims are processed. The debit card is tied to
your account to pay for expenses anywhere Visa is accepted (save receipts for verifcation, if needed).Changes Health Money Enroll Resources 21
Life & Accident
To give your loved ones peace of mind, you have life and accident
coverage (insured and administered by Securian) available in case
something were to happen to you. You automatically get some coverage
from Sodexo, and you can enroll in additional coverage if you choose.
You automatically get: Discover extras
• Free Basic Life Insurance from Securian
(benefit for full-time hourly Register on the Securian website Don’t forget!
employees increased from to access loads of helpful Choose your benefciaries
$10,000 to $25,000 New ) features and additional benefts, You’ll need to elect benefciaries for any life or
• Business Travel such as legal advice, fnancial accident plans you automatically receive or enroll
Accident Insurance guidance, grief resources, travel in, for any supplemental health plans you elect,
(salaried employees) assistance, legacy planning, and for your 401(k) plan. It’s important to do this
benefciary fnancial coaching, so you make sure your insurance and retirement
You can enroll in1: and more. payouts go to the people you want if something
• Group Term Life Insurance were to happen to you.
• Voluntary Accidental Death For life and accident: Visit
& Dismemberment Insurance lifebenefts.com/plandesign/sodexo or
(AD&D)2 call Securian at 877-282-1936.
1 If you enroll afer your initial eligibility period, For supplemental health programs: Visit
Evidence of Insurability (EOI) is required. If you
are not currently participating in the Group metlife.com/mybenefts or call MetLife at
Term Life Insurance Plan, you may elect 1x your
pay without having to complete EOI.
800-GET-MET8 (800-438-6388).
2 You must be enrolled in Group Term Life
Insurance to participate in AD&D. For 401(k): Visit MySodexoSavingsPlan.com
or call Voya at 866 7 MY PLAN (866-769-7526).
Estimate how much you need
Review your life insurance options when you
enroll. See more details on page 30.Changes Health Money Enroll Resources 22
Disability
You can enroll in Short-Term and Long-Term Disability (STD and LTD)
(insured and administered by New York Life) to protect your income if
the unexpected happens and you’re unable to work. STD starts seven Check out the
days afer you become disabled and continues for up to 26 weeks. If video library!
you’re disabled for more than 26 weeks and you participate in LTD, it Access the video library at
will start when STD ends. SodexoBeneftsCenter.com
to watch videos on:
• Why It’s Important to
Maximum Length of
Benefit Amount Have Disability Coverage
Benefit Payments
• How to Use Your
Up to 60% of your weekly earnings Disability Benefit
Hourly STD1 26 weeks
to a maximum of $750 per week
Up to 60% of your pay each month
Hourly LTD Varies by age and disability
to a maximum of $2,000 per month
Up to 60% of your weekly earnings
Salaried STD1 26 weeks
to a maximum of $2,885 per week
Up to 60% of your pay each month to
Salaried LTD Varies by age and disability
a maximum of $15,000 per month
1
Certain states provide automatic disability coverage for residents. For hourly employees who live in California, New York,
Hawaii, New Jersey, Rhode Island or Puerto Rico, the Hourly Sodexo Short-Term Disability plan is not available. Salaried
employees are able to participate in both the Sodexo and state plans; however, Sodexo disability beneft payments will be
ofset by the amounts paid by the state plan.
If you don’t enroll in disability coverage when you frst become eligible, you will
be asked to supply Evidence of Insurability (EOI). Coverage will not take efect
until the insurance company has reviewed and approved your completed EOI.
For more information, visit SodexoBeneftsCenter.com.Changes Health Money Enroll Resources 23
Identity Theft Protection
Safeguard your privacy, identity and fnances with the protection
of Allstate Identity Protection Pro Plus1, ofered through Allstate
Identity Protection. Enrolling your family extends protection to
anyone in your household.
With Identity Protection Pro Plus through Allstate, you get:
• Identity monitoring that detects and alerts you of
high-risk activity
• Fraud restoration to recover your identity
• Privacy Advocates who can talk to you 24/7
• $1 million insurance policy that covers out-of-pocket expenses,
lost wages or legal fees
• Identity theft reimbursement for funds stolen from your bank or
401(k) account
You can enroll in the program now or any time during the year on
SodexoBeneftsCenter.com (and you can cancel anytime). For more
information, watch a helpful video in the video library on the Sodexo
Benefts Center. Be sure to register once you enroll at myAIP.com,
Allstate’s website, and provide necessary details so Allstate can monitor
your information.
1
This program is not available to employees covered under a collective bargaining agreement.Changes Health Money Enroll Resources 24
401(k) Savings Plan
As you choose your 2022 benefts during Annual Enrollment,
it’s also a good idea to review your 401(k) contributions.
The 401(k) Savings Plan through Voya ofers:
• Before-tax, after-tax and Roth 401(k) contributions
• Matching employer contributions
Improve your savings
• Personalized investment advice from strategy with Voya
financial professionals Voya Retirement Advisors can
If you have questions about your 401(k), call Voya at help you:
866 7 MY PLAN (866-769-7526). • Create an investment
strategy
• Decide how much to save
• Project your retirement
income
• Maximize your 401(k)
Get started at
MySodexoSavingsPlan.com.
Check out Voya Learn at
Voya.com/VoyaLearn.Changes Health Money Enroll Resources 25
Enroll
Elect Benefits Or Make
Changes For 2022
Nov. 8 – Nov. 19
Remember to get the new Alight Mobile app
for a chance to win a $100 gif card!
Download the new Sodexo Benefts Center app
called Alight Mobile to access your benefts
anytime, anywhere...and to enroll. To get the app,
log into the Sodexo Benefts Center website and
add your phone under your profle. Then, download
the app and search for Sodexo. Follow the prompts
to get set up. Your Alight Mobile app username and
password will be the same as what you use for the
Sodexo Benefts Center website.
Hey! Use the new Alight Mobile app during Annual
Enrollment (from Nov. 8 - Nov. 19) and you’ll be
entered into a drawing to win a $100 gif card! There
will be 20 winners. Don’t miss this opportunity to win!
1
Winners must be actively employed at the time of gif card distribution, or the gif card will be forfeited.
All federal, state and local laws and regulations apply. Consult your tax advisor for more information.Changes Health Money Enroll Resources 26
Steps To Enroll In Or
Update Your Benefits
Annual Enrollment is the time to evaluate what you have and decide if you need to
make changes. Follow these steps to get the benefts you need for life’s moments in
2022 or to make changes to your current benefts between Nov. 8 – Nov. 19.
1 2 3
Review Choose Enroll
To understand your options and costs, Choose wisely using tools Enroll online, on the app or over the
review all enrollment materials online and resources available on phone to get the benefts you want.
through the Sodexo Benefts Center. SodexoBeneftsCenter.com. Use tools Online: Go to
like the video library and Health Plan SodexoBeneftsCenter.com to make
Comparison Charts to help. your elections. To view the website in
Spanish, select your preferred language
at the bottom of the home page.
App: Download our
Need additional support? Alight Mobile App.
Visit SodexoBeneftsCenter.com and use the chat feature Phone: Call 855-668-5040,
to instant message with a benefts specialist. 8 a.m. – 8 p.m. ET,
Monday through Friday
About your password
If you log into the SodexoBeneftsCenter.com for the frst time, Appointment: During the
you’ll create your account with a password. For security, this password enrollment process, you can schedule
resets every 90 days. If you ever forget your password, simply go to an appointment with a customer
SodexoBeneftsCenter.com and select Forgot User ID or Password? service representative if you need
additional support.Changes Health Money Enroll Resources 27
Important Benefits Details
As you choose or update your 2022 benefts, there will be a few things to keep in mind.
If you do nothing during Adding new
Annual Enrollment dependents
You’ll remain in the same plans you If you add dependents to your
currently have at the same levels of coverage, you’ll need to provide
coverage. You will not have an HCSA proof of eligibility. This can be done
or FCSA, because you must re-enroll in with a marriage certifcate, domestic
these accounts each year. partner afdavit, adoption papers or
birth certifcates.
Nicotine surcharge
If you’re enrolling in medical or group
New ID cards
term life insurance for the frst time, ID cards will be sent to you if you
you must disclose any nicotine use. enroll in the medical, prescription
If you answer “yes,” you’ll be charged drug and vision plans. If you enroll in
an annual $1,200 nicotine surcharge the HRA Plan, you’ll also receive an
($23.98 per week).1 If you use nicotine HRA prescription debit card. If you
products and wish to quit, consider enroll in the HCSA and choose the
enrolling in a smoking cessation debit card payment option, a debit
program. Most Sodexo medical options card will be mailed to you.
ofer free programs to help you quit.
Check your medical plan or contact Life events
LifeWorks for more information. If you experience a qualifying life
event during the plan year, such
1
The nicotine surcharge does not apply to Hawaii and Puerto as marriage, birth, adoption,
Rico medical plans or employees covered under the terms of
a collective bargaining agreement. divorce, etc., you may be eligible
to enroll for the frst time or
change your enrollment. You
must request the change within
30 days of the event. You can
schedule an appointment with a
customer service representative at
SodexoBeneftsCenter.com.Changes Health Money Enroll Resources 28
Important Benefits Details
Employees in Hawaii If you lose coverage
If you cancel or decline Sodexo medical If you and your dependents have health
coverage, you must complete a Hawaii coverage through another employer
State Waiver Form and return it to the and lose it, you may be eligible to enroll
Sodexo Benefts Center. You can call the in coverage through Sodexo. You must
Sodexo Benefts Center at 855-668-5040 request enrollment within 30 days afer
to request the form, or it will be sent to your other coverage ends or afer the
you if you do not make an election for other employer stops contributing. You
medical coverage. can schedule an enrollment appointment
with a customer service representative at
If the form is not completed and received SodexoBeneftsCenter.com.
by the Sodexo Benefts Center by the
date your benefts would normally begin, Tell us how you want
you will be automatically enrolled in the
Kaiser Permanente HMO with employee- to receive materials
only level of coverage, and you will Choose your communication preference
be responsible for paying the cost of for receiving benefts materials—either
that coverage. If you are automatically electronic (no print will be sent) or postal.
enrolled, you will not be able to cancel 1. Go to SodexoBeneftsCenter.com
your coverage until the next Annual 2. Click Manage Communications
Enrollment unless you experience a under the My Profle icon
qualifying event. 3. Input your information (including
adding your mobile phone number to
get text messages)
4. Select Delivery Preference and
Questions? choose postal mail or email, then save
Visit SodexoBeneftsCenter.com You can also call the Sodexo
or call 855-668-5040. Benefts Center to choose your
communication preference.Changes Health Money Enroll Resources 29
Resources
Helpful Tools To Use
Here are some of our favorites to help you enroll
and manage your benefts throughout the year.
1 2 3 4
Complex Estimating Video Health Plan
Questions Expenses Library Comparison
And Support When you elect your medical Watch short, helpful videos Charts
plan, the enrollment tool in the video library at
When you have specifc This provides a side-by-side
will ask questions about your SodexoBeneftsCenter.com
questions or issues, comparison of the medical
medical and prescription to learn about your plan options
contact Advocacy plans so you can choose which
drug usage and recommend a and how to stay healthy.
Services at 866-888-3203 one is best for you. You can fnd
medical plan for you based on • 2022 What’s New Annual
8 a.m. – 7 p.m. ET, Monday these comparisons, as well as
this information.1 Enrollment video
through Friday. A HealthPro more detailed documentation
Consultant can help you 1
This tool is only available if you have more
than one medical plan option in your region. • Importance of disability like the Summary of Benefts
understand the plans and coverage and how to use it Coverage (SBC) and the
how they work, explain Summary Plan Description
• Video Visit through CareFirst
benefts terms and resolve (SPD), when you enroll at
claim disputes. • CareFirst wellness program SodexoBeneftsCenter.com.
• No-cost surgery benefit You can also obtain a hard
through Carrum Health copy of the SBC or SPD by
• LifeWorks video calling 855-668-5040.Changes Health Money Enroll Resources 30
5 6 7 8
Benefits Life Common General
App Insurance Medical Terms Support
Download our When you make your Explained For general questions
Alight Mobile app to your elections through the about your benefts or the
If you’re not exactly sure
device so you can: enrollment tool, use the life enrollment process, go to
what “copay,” “coinsurance,”
insurance estimator tool SodexoBeneftsCenter.com.
• Enroll in your benefits “out-of-pocket maximum” or
to determine the coverage You can also use the chat
• See your current coverage other medical insurance terms
levels that make sense for feature on the website to
mean, refer to the Summary
• Search for doctors on the go your needs. instant message a specialist.
of Benefts & Coverage (SBC)
• View spending account located on SodexoLINK and at
balances SodexoBeneftsCenter.com >
• And more! Health & Insurance > Plan
Information. If you would like a
More information can be found hard copy of the SBC, you can
at SodexoBeneftsCenter.com. call the Sodexo Benefts Center
at 855-668-5040.
Need more information?
Refer to the Summary Plan Descriptions (SPDs)
and Summary of Benefts and Coverages (SBCs) at
SodexoBeneftsCenter.com > Health & Insurance >
Plan Information. You’ll also fnd helpful mobile apps,
wellness incentives, enrollment materials and more.Changes Health Money Enroll Resources 31
Helpful Websites
Medical Dental
CareFirst: carefirst.com/sodexo Hinge Health: hingehealth.com/sodexo metlife.com/mybenefits
• Treatment Cost Estimator • Virtual physical therapy • Claim history
• Provider comparison tool • App-guided exercises at home • Email support
• Ask a Nurse
Prescription drugs:
Kaiser Permanente: kp.org
• Natural medicine database
Vision
express-scripts.com/sodexo eyemed.com
• Special fitness rates
• Refill prescriptions • Offers and discounts
• Symptom checker
• Price a medication • Print ID card
• Find a pharmacy HMSA: hmsa.com • Cost estimator
• Safety alerts • Health Education Workshops • Online orders
• Automatic refills • Active & Fit gym discounts
• Online Care 24/7 Supplemental
Carrum Health: carrum.me/sodexo
• No-cost surgery Triple-S Salud: ssspr.com
Insurance Plans
metlife.com/mybenefits
• Surgery care and coordination • Virtual consult
• Accident insurance
• Dedicated Patient Care Specialist • 24/7 nurse line
• Critical Illness insurance
• Nursing professionals
• Hospital Indemnity insurance
• Disease management for diabetes,
asthma and hypertension
Register
Once your coverage becomes efective, register on the
websites for every plan you enroll in. Plus, many plan Most plans ofer mobile apps
websites ofer great tools, videos and other resources. Be sure to download what you need from your app store.Changes Health Money Enroll Resources 32
Contacts
For help with: Contact Phone Web
General enrollment questions, resources and SPDs/SBCs Sodexo Benefts Center 855-668-5040 SodexoBeneftsCenter.com
Benefts issues resolution support Advocacy Services 866-888-3203 SodexoBeneftsCenter.com
Human Resources PeopleCenter 855 Sodexo HR (855-763-3964) SodexoLINK.com
Information about the Marketplace Sodexo Coverage Resources 855-668-5040 sodexocoverageresources.com
CareFirst (HRA, PPO, Cat Plans) 866-399-9450 carefrst.com/sodexo
California: 800-464-4000
Colorado: 800-632-9700
Kaiser Permanente (HMO Plans) Mid-Atlantic (D.C., MD, VA): 800-777-7902 kp.org
Medical Georgia: 888-865-5813
Hawaii: 808-432-5955
HMSA PPP: 808-948-6111
HMSA (Hawaii) hmsa.com
HMSA HPH Plus HMO: 808-948-6372
Triple-S Salud (Puerto Rico) 787-774-6060 ssspr.com
Prescription drugs (for CareFirst participants) Express Scripts 800-903-7968 express-scripts.com/sodexo
No-cost surgery beneft (for CareFirst participants) Carrum Health 888-855-7806 carrum.me/sodexo
Virtual physical therapy (for CareFirst participants) Hinge Health 855-902-2777 hingehealth.com/sodexo
Dental (Group number: 314886) MetLife 800-942-0854 metlife.com/mybenefts
Vision EyeMed 866-299-1358 eyemed.com
866-675-6566 (24/7)
LifeWorks LifeWorks login.lifeworks.com
888-732-9020 (Spanish)
Supplemental insurance plans MetLife 800-GET-MET8 (800-438-6388) metlife.com/mybenefts
Spending accounts Smart-Choice Accounts 855-668-5040 SodexoBeneftsCenter.com
Life and accident insurance Securian 877-282-1936 lifebenefts.com/plandesign/sodexo
Disability New York Life 800-362-4462 mynylgbs.com
Identity thef protection Allstate Identity Protection 800-789-2720 myAIP.com
401(k) savings plan Voya 866 7 MY PLAN (866-769-7526) MySodexoSavingsPlan.com
Employee discounts Sodexo LINK SodexoLINK.com
Payroll Employee Service Center 877 PAYSDXO (877-729-7396) portal.adp.com
Please note: For your convenience, Single-Sign On to CareFirst, Kaiser, Express Scripts, MetLife, EyeMed, New York Life and Securian is available from the Sodexo Benefts Center.0773.0304
Benefts
for Life’s Moments
The benefts listed in this brochure give a general overview of the benefts package provided to non-temporary employees in class code 1 - 4 or
full-time hourly employees in class code 6, working an average of at least 30 hours per week over a 52-week Measurement Period who are not
covered under the terms of a collective bargaining agreement. Certain employees subject to a collective bargaining agreement are only eligible
to participate in these plans to the extent provided for in the applicable collective bargaining agreement. If there is a diference between the
information in this document, the Summary Plan Description, the Plan Document or the carrier’s service contract, the information in the Plan
Document or contract governs. The Plan Administrator reserves the right to resolve any ambiguity in this document.
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