Find Your Forward 2022 Annual Enrollment starts Monday, October 18, and ends Friday, November 5, 2021
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2022 Benefits Highlights Brochure Find Your Forward 2022 Annual Enrollment starts Monday, October 18, and ends Friday, November 5, 2021
Welcome to 2022
Annual Enrollment!
A lot has changed in the world and likely in your daily life. While many of the uncertainties
of the last two years may continue, you now have the opportunity to step back and
review, and begin to move forward.
During this Annual Enrollment, take some time to consider where you are—mentally,
physically, emotionally—and how that affects your benefits.
With minimal change to your benefits in 2022, you can focus your energy on making sure
your coverage still fits your and your family’s needs. As you review your 2022 coverage
elections, be sure to consider any life events and family situations that might affect your
benefits decisions.
Visit your-ebenefits.com/prh today for the benefits information you need
to get started, including coverage details, costs, enrollment information, and
decision-making resources.
22022 Annual Enrollment
Annual Enrollment is your once-a-year opportunity to review and change your benefits
elections for the coming year. Any changes you make are effective January 1, 2022, and
remain in effect for the entire year, unless you have a qualified life event.
If you do not actively enroll or make changes to your coverage during Annual Enrollment,
your 2021 benefits elections will roll over to 2022 at the same coverage level, with
one exception. If you contribute to a Flexible Spending Account (FSA), your 2021 elections
will NOT carry over to 2022. You must re-enroll in FSAs each year.
What’s Changing for 2022
Eligibility MetLife Voluntary Benefits
Benefits eligibility will expand to include dependent coverage In addition to rate reductions of up to 20%, there are
for your domestic partner and their children. Eligible enhancements to the voluntary benefits available to you
domestic partners include either: through MetLife:
• Partnerships registered with a state or local government • Accident Insurance: Pays you a benefit directly for covered
registry, or events, which now include paralysis and accidents that
• Partners that live together in an exclusive and committed occur during an organized sports event. Additional therapies
relationship and are financially interdependent (as verified will be covered, including acupuncture and chiropractic care.
by approved documentation). Benefits will no longer be reduced based on age.
Qualified domestic partners may be enrolled for medical, • Critical Illness Insurance: Pays you a benefit directly to
dental, vision, dependent life insurance, and voluntary help with unexpected costs if you are diagnosed with a
benefits. Due to Internal Revenue Service (IRS) rules, covered condition, which now includes COVID-19, skin
domestic partners are not considered eligible dependents cancer, cardiac arrest and Parkinson’s. The time to claim
for Flexible Spending Accounts or Health Savings Accounts. a reoccurring illness has been reduced to 90 days.
• Hospital Indemnity Insurance: Pays you a lump-sum
Please note that federal law governs the taxation of
payment for a covered hospital admission and a per-
employee benefits, and IRS regulations generally require
day amount for your hospital stay. ICU admission and
employees to pay the after-tax contributions toward
confinement will have increased payments. In addition,
domestic partner coverage and require any contributions
there will be coverage for newborn nursery care, and
made by the Company to be imputed back to you as
treatment for mental illness, alcoholism, and/or drug
taxable income, such as the Company portion of health
addiction in a hospital or inpatient rehab without prior
insurance coverage.
hospitalization. Benefits will no longer be reduced based
on age.
For more information, contact MetLife at 1-800-438-6388.
Dependent Verification
Before you enroll your dependents, make sure they are eligible. Consova, an independent third party, will
review your dependents to ensure that they meet the plan’s eligibility requirements. You will receive a packet
with detailed instructions, a list of required documents, and how to submit them for eligibility verification.
3Health Savings Account Per-Paycheck Deductions
2022 IRS HSA contribution maximums will increase: • In an effort to make premiums more affordable for
all employees, medical per-paycheck deductions are
• Individual: $3,650 ($50 increase from 2021)
structured by salary tier so that higher-paid employees
• Family: $7,300 ($100 increase from 2021) pay more for their benefits than lower-paid employees.
• If you will be age 55 or older by December 31, 2022, you To expand the most affordable coverage to more
can make an additional $1,000 catch-up contribution to employees, we are updating these salary tiers for 2022:
your HSA.
2021 Salary Tiers 2022 Salary Tiers
$0–$49,999 $0–$59,999
MetLife Legal Plan $50,000–$74,999 $60,000–$84,999
$75,000–$99,999 $85,000–$109,999
Legal assistance will cover an additional four hours of
otherwise non-covered services. Enhancements will also $100,000–$174,999 $110,000–$174,999
include assistance with identity management, guardianship, $175,000+ $175,000+
home equity, home refinance, and home purchase loans.
• Medical per-paycheck deductions will increase slightly for
some employees. Your 2022 per-paycheck deductions will
be determined by your base salary as of October 1, 2021,
Medical ID Cards the plan you choose, and your coverage level.
If you are enrolled in any Anthem plan for 2022, you will
• Voluntary benefit per-paycheck deductions will decrease:
receive a new combined medical and prescription drug plan
accident (20% decrease), hospital indemnity (10%
ID card—even if you do not change medical plans. The card
decrease), and critical illness (5% decrease). See
will be mailed to your address on record in December.
your-ebenefits.com/prh for specific per-paycheck
deduction information.
• There is no change to what you pay for your dental,
vision, or other benefits in 2022 unless changes to your
annual salary or age affect your per-paycheck deduction,
where applicable.
2022 Plan Design Changes
There are no changes to your other
2022 benefits, including medical,
dental, vision, disability, life and AD&D
insurance. To learn more about these
benefits, visit your-ebenefits.com/prh.
4What You Need to Know for 2022
Medical
Here’s an overview of how much you will pay under each medical plan option in 2022.
Anthem BCBS CDHP Anthem BCBS Anthem BCBS PPO* Kaiser HMO
with HSA EPO
In-Network Out-of-Network In-Network ONLY In-Network Out-of-Network In-Network ONLY
Annual Deductible
Employee $1,500 $3,000 $250 $250 $1,250 None
Employee + 1 dependent $3,000 $6,000 $500 $500 $2,500 None
Employee + 2 or more dependents $3,000 $6,000 $750 $750 $3,750 None
Out-of-Pocket Maximum
Employee $2,200 $4,400 $1,100 $1,100 $3,300 $1,500
Employee + 1 dependent $4,400 $8,800 $2,200 $2,200 $6,600 $3,000
Employee + 2 or more dependents $4,400 $8,800 $3,300 $3,300 $9,900 $3,000
Covered Expenses
Preventive care Plan pays 40% after Plan pays 100% Plan pays 40% after Plan pays 100%
100% deductible 100% deductible
Primary care physician† 20% after 40% after 20% after 20% after 40% after $20 co-pay
deductible deductible deductible deductible deductible
Specialist 20% after 40% after 20% after 20% after 40% after $20 co-pay
deductible deductible deductible deductible deductible
Hospital stay‡ 20% after 40% after 20% after 20% after 40% after $250 co-pay
deductible deductible deductible deductible deductible
Emergency room‡ 20% after 20% after $200 co-pay $200 co-pay $200 co-pay $100 co-pay
deductible deductible
Urgent care‡ 20% after 40% after $40 co-pay $40 co-pay 40% after $20 co-pay
deductible deductible deductible
LiveHealth Online 20% after N/A $10 co-pay $10 co-pay N/A N/A
deductible§
Infertility treatments (includes Covered at appropriate in- or 20% after Covered at appropriate in- or Limited benefits
cryopreservation) out-of-network levels; $25,000 deductible, out-of-network levels; $25,000
lifetime maximum, in- and out- $25,000 lifetime lifetime maximum, in- and out-
of-network combinedII maximumII of-network combinedII
Gender confirmation surgery 20% after Not covered 20% after 20% after Not covered Limited benefits
deductible deductible deductible
Annual chiropractic care 20% after 40% after 20% after 20% after 40% after $15 co-pay;
deductible deductible deductible; deductible deductible maximum of
maximum of 40 visits per year
Combined maximum of 30 visits per year Combined maximum of
30 visits per year 30 visits per year
* Must be enrolled as of December 31, 2021, to elect the plan for 2022.
† PCP includes outpatient mental health care, convenience care clinics, and non-preventive lab tests.
‡ Co-pays and deductibles are included in the out-of-pocket maximum.
§ Most LiveHealth Online medical visits cost $59 prior to meeting your deductible.
II In addition to the $25,000 lifetime medical maximum on infertility treatments (includes voluntary cryopreservation), there is a separate $25,000 lifetime maximum on
prescription drugs for infertility treatment.
Looking to save money in 2022? Check out the CDHP!
The CDHP has lower per-paycheck deductions than the other plans and offers access to a tax-advantaged HSA that you can use
to pay for eligible health care expenses or invest and use later, such as during retirement. You control the money in your HSA,
and it’s always yours to keep!
Plus, the Company contributes to your HSA on your behalf just for enrolling in the CDHP:
Base Salary as of October 1, 2021 Individual Coverage Employee + 1 or More Dependents
Less than $75,000 $750 $1,500
$75,000 or more $300 $600
Learn more about the benefits of the CDHP at your-ebenefits.com/prh.
5Prescription Drugs
If you’re enrolled in an Anthem BCBS medical plan, your prescription drug coverage is provided by Express Scripts. If you’re
enrolled in the Kaiser HMO, your prescription drug coverage is through Kaiser. Here’s an overview of how much you will pay
under each plan.
Anthem BCBS CDHP Anthem BCBS EPO and PPO Kaiser HMO
Retail (30-day supply)
Generic 20% after deductible* 30% ($15 min./$45 max.) $10 co-pay
Brand name 20% after deductible* 30% ($35 min./$105 max.) $20 co-pay
Specialty 20% after deductible* 30% ($75 min./$225 max.) $20 co-pay
Mail Order (90-day supply)†
Generic 20% after deductible* 25% ($30 min./$90 max.) $20 co-pay
Brand name 20% after deductible* 25% ($70 min./$210 max.) $40 co-pay
Specialty 20% after deductible* 25% ($150 min./$440 max.) $40 co-pay
Out-of-Pocket Maximum
Employee Combined with medical $1,800 Combined with medical
Employee + 1 dependent Combined with medical $3,600 Combined with medical
Employee + 2 or Combined with medical $5,400 Combined with medical
more dependents
* The deductible is waived for preventive drugs. For all other prescription drugs, you must meet your combined medical and prescription drug deductible before the
plan pays a percentage of your prescription drug cost.
† A 100-day supply is available for the Kaiser HMO.
Dental
Here’s an overview of how much you will pay under each dental plan.
Delta Dental Standard DPPO Delta Dental High DPPO Cigna Dental DHMO*
In-Network Out-of-Network In-Network Out-of-Network In-Network ONLY
Annual deductible (per person, combined $100 $100 $50 $50 None
in- and out-of-network)
Annual maximum benefit (per person, $1,500 $1,500 $3,000 $3,000 None
combined in- and out-of-network)
Preventive & diagnostic services** Covered 100% 20% Covered 100% 15% Covered 100%
Exams, cleanings, X-rays, sealants
Basic restorative services 20% after 20% after 15% after 40% after Covered 100% after
Fillings, posterior composites deductible deductible deductible deductible applicable co-pay
Major restorative services 40% after 40% after 15% after 40% after Covered 100% after
Crowns, inlays, onlays, cast restorations deductible deductible deductible deductible applicable co-pay
Implants 50% after 50% after 50% after 50% after Covered 100% after
deductible deductible deductible deductible applicable co-pay
Orthodontia (all covered members) 50% after 50% after 40% after 40% after Covered 100% after
deductible deductible deductible deductible applicable co-pay
Orthodontia lifetime maximum (per $2,000 $2,000 $2,000 $2,000 N/A
person, combined in- and out-of-network)
* For a list of co-pays, refer to the Cigna Dental Care Patient Charge Schedule, available at your-ebenefits.com/prh.
** Not subject to the deductible and will not apply toward the annual maximum benefit limit.
Vision
Here’s an overview of how much you will pay under the UnitedHealthcare Vision plan.
In-Network Out-of-Network
Annual deductible $25 $25
Vision exam (once every calendar year) Covered 100% after deductible Up to a $40 reimbursement after deductible
Single-vision lenses Covered 100% after deductible Up to a $40 reimbursement after deductible
Bifocal lenses Covered 100% after deductible Up to a $60 reimbursement after deductible
Trifocal lenses Covered 100% after deductible Up to an $80 reimbursement after deductible
Frames (once every calendar year) $130 allowance after deductible Up to a $45 reimbursement after deductible
Contact lenses (once every calendar year in lieu $200 allowance after deductible Up to a $200 reimbursement after deductible
of glasses)
6Mental Health Support
The Employee Assistance Program (EAP), offered by Empathia LifeMatters, can help you, your dependents, and anyone living
in your household with a range of personal and work issues, including emotional support, stress management, and more. EAP
services are free, completely confidential, and available 24/7. Coverage includes up to six sessions with a counselor per person,
per issue—in person, over video, or by text.
To begin, visit mylifematters.com (code: BERT1), download the LifeMatters app (code: BERT1), or call LifeMatters at
1-800-634-6433. If you are located in the U.S., you can also text “hello” to 61295. (If you are located in Canada, text “hello”
to 204-817-1149.)
Virtual Care—Help from the Comfort of Home
LiveHealth Online. When you enroll in an Anthem BCBS plan, you have access to LiveHealth Online. LiveHealth Online offers
24/7 access to U.S.-based, board-certified doctors on your smartphone, tablet, or computer. Use LiveHealth Online when you
have a minor, non-emergency medical issue that otherwise might require a visit to your regular doctor, an urgent care center,
or an emergency room—things like ear infections, sore throats, and minor injuries. Your cost depends on your medical plan:
• Anthem BCBS CDHP: $59, until you meet the deductible; 20% after you meet the deductible
• Anthem BCBS EPO: $10
• Anthem BCBS PPO: $10
To begin, create an account at livehealthonline.com or download the LiveHealth Online app.
Provider telehealth services. If your provider offers telehealth services by phone or video, your telehealth visit will cost the
same as an in-person visit. See page 5 for medical coverage details.
What You Should Do Next
It’s simple! Just follow these steps:
1 Learn. Review 2022 changes in this Highlights Brochure,
along with additional information at your-ebenefits.com/prh.
2 Think. Consider whether your current elections will still meet your needs
in 2022. Even if you want to keep the same coverage, it is important to
review your options, the associated costs, and think about any upcoming
life events, like the birth of a child, that may influence your decisions.
3 Compare. Use the Medical Plan Cost Estimator Tool to compare your
medical plan options: bertelsmannmpce.com/penguinrandomhouse.
Enter your and your dependents’ expected medical and prescription drug
usage to view the estimated costs under each medical plan. Then, visit
your-ebenefits.com/prh to access the cost calculator, which will allow
you to calculate your total per-paycheck deductions in 2022, based on the
plans you elect.
4 Enroll. Log on to the enrollment system, UKG:
e12.ultipro.com/login.aspx. For enrollment
instructions, including information on your user ID and
password, visit your-ebenefits.com/prh.
7Questions?
If you have a benefits-related question or need assistance during Annual Enrollment,
please contact the Employee Benefits Team:
Email: benefits@penguinrandomhouse.com
Phone: 1-800-726-0600, option 6
For specific questions, see the list of benefits administrators and insurers
at your-ebenefits.com/prh.
This brochure provides highlights of the Benefits Program. It does not describe many of the features, provisions, limitations,
and exclusions that are contained in the documents and contracts of which the actual plans are comprised. Although the
Company has made every effort to ensure that this brochure is consistent with the plan documents and contracts, if there
is any conflict or inconsistency between this brochure and those documents or contracts, the documents and contracts
will govern. In addition, while the Company intends to continue these benefits, the Company reserves the right to change
or discontinue these benefits at any time for any reason. Participation in the Benefits Program does not create or imply an
employment contract with the Company. This brochure outlining benefits features for 2022 is considered a Summary of
Material Modifications (SMM).
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