Forward together Your 2023 Benefits Guide - SCA
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Forward together Your 2023 Benefits Guide SCA 1 • Maximus 2023 Benefits Guide
At Maximus, we are better together. We take pride in our partnership with you because we know that moving forward together gives us all the best chance for success. Your benefits at Maximus are the perfect Forward example of this philosophy — we provide you with options and information to help support you along your life journey. By investing in your physical health, financial together wellbeing, and work/life balance, we aim to give you the support you need for all the moments that matter. When you thrive, we all win. This guide outlines the benefits available to you in 2023 along with information to help you choose what options are best for you and your family. Take the time to review your options carefully, think about your needs, and make the selections that best suit you.
Your benefits at Maximus Eligibility & Physical Financial Maximus Work/life Contacts & enrollment health security Foundation balance disclosures • Welcome • Medical plans • GSA Retirement • Maximus • Legal plan • Contacts Plan Foundation • What’s new for • Compare your • Transit/parking • Disclosure notices 2023 medical plans • Maximus 401(k) • Employee commuter Plan Assistance Fund benefits • Your benefits at • Prescription drug (EAF) Maximus coverage • Disability plans • Auto, home, and renter’s insurance • New to Maximus? • Your medical and • Supplemental discounts prescription drug insurance • Making mid-year contributions • Paid time off benefits changes • Financial benefits (PTO) • Spending & for the • How to enroll in savings accounts unexpected • Corporate your benefits holidays • Wellbeing • Enrollment program • Pet insurance checklist • Dental discount • Enrollment FAQs • Vision
Eligibility & enrollment IN THIS SECTION: • Welcome • What’s new for 2023 • Your benefits at Maximus • New to Maximus? • Making mid-year benefits changes • How to enroll in your benefits • Enrollment checklist • Enrollment FAQs 4 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Welcome IN THIS SECTION: Maximus is dedicated to the health and financial wellbeing of our employees. We know that our benefits Welcome program is an important part of the total compensation package that helps us attract and retain a talented What’s new for 2023 group of team members. Your benefits at Our benefits program: Maximus • Gives you choice, flexibility, and comprehensive coverage. New to Maximus? • Is competitive and generous with many benefits covered at 100% by Maximus. Making mid-year • Provides you with high-quality provider networks so you and your family have access to the best available care. benefits changes How to enroll in your As you make decisions about your benefits coverage, we encourage you to: benefits • Carefully review this guide and our online materials on GSA National. Enrollment checklist • Understand and evaluate your options. Enrollment FAQs • Think about your needs and goals as well as those of your family. • Use the many available materials and tools to help you get the most out of your benefits. This guide is intended as a summary of plans and coverages offered as part of your benefits package. In the event of disputed plan information, the plan documents govern. 5 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance What’s new for 2023 IN THIS SECTION: • New medical plan option. We are adding a PPO • LiveHealth Online Healthy Joints and Back medical plan option with a health reimbursement through SWORD. Overcome both chronic and Welcome account (HRA). Earned wellbeing incentives will be post-surgical back and joint pain from home. What’s new for 2023 paid directly into this account. • Adoption and surrogacy advocacy through • New health reimbursement account (HRA). If you WINFertility.* This benefit is available to all Your benefits at Maximus enroll in the PPO plan, you will be automatically benefits-eligible employees regardless of enrolled in an HRA. Earned wellness incentives will enrollment in the Anthem medical plans. The New to Maximus? be paid directly into this account. benefit has a $10,000 lifetime maximum benefit. Adoption and surrogacy support will be effective Making mid-year • Streamlined HSA plan requirements. Maximus benefits changes on October 1, 2022. will continue to provide bi-weekly contributions to How to enroll in your your HSA in addition to the enhanced wellbeing • Virtual second opinions from Anthem. Have your benefits incentives for those enrolled in the Buy-up plan. diagnosis and/or treatment plan reviewed by an expert specialist, at no cost to you, from the Enrollment checklist • Lower costs for your dental coverage. Our Cigna comfort of your home. Dental PPO plan will feature lower rates for 2023. Enrollment FAQs • Expanded legal plan. The MetLife legal plan • Fertility assistance through WINFerility, now includes four hours of attorney work for non- partnered with Anthem.* Fertility management covered matters not expressly excluded. (including medical treatment, pharmacy, and *Please note the lifetime maximum benefit of $10,000 for infertility services will genetics), can help build families by providing cross-accumulate with the adoption and surrogacy benefit. access to the best doctors, technology, and support. This benefit is available for employees enrolled in an Anthem medical plan only and has a lifetime maximum limit of $10,000.* 6 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Your benefits at Maximus IN THIS SECTION: Full-time employees Part-time employees If you are scheduled to work 30 hours per week or more, If you are scheduled to work less than 30 hours per week, Welcome you are eligible for the following benefits: you are eligible for the following benefits: What’s new for 2023 Maximus pays: You pay: Maximus pays: You pay: Your benefits at Maximus • Employee-only Core HSA • The difference between • Basic life insurance • Dental plan medical coverage the Core plan premiums • Sick leave (when needed) • Vision New to Maximus? coverage and the HSA Buy-up plan • Paid time off (PTO) • Supplemental life insurance • Employee Assistance premium • Dependent care • Dependent life insurance Making mid-year benefits changes Program (EAP) • Dental reimbursement account • Legal plan • Basic life insurance • Vision • Maximus GSA • Personal purchased time How to enroll in your • Short-term disability (STD) • Your HSA contributions retirement plan (if eligible) benefits • Long-term disability (LTD) • Supplemental life insurance • 401(k) matching • Critical illness insurance Enrollment checklist • Sick leave (when needed) • Dependent medical • Employee Assistance • Accident insurance • Paid time off (PTO) coverage Program (EAP) • Hospital indemnity Enrollment FAQs • Dependent care • Dependent life insurance • Health coaching insurance reimbursement account • Legal plan • Headspace and Wellbeats • Commuter benefits • Maximus GSA • Personal purchased time • 401(k) contributions Retirement Plan (if eligible) • 401(k) matching • Critical illness insurance • Health coaching • Accident insurance • Headspace and Wellbeats • Hospital indemnity • HSA contributions for the • Commuter benefits Buy-up HSA plan • 401(k) contributions • Wellbeing incentives 7 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance New to Maximus? IN THIS SECTION: As a new employee, you will be given 14 days* from To enroll in (or view) your benefits: your date of hire to select your benefits. 1. Visit GSA National. Welcome 2. Click “Employee/Client Access” in the upper right- What’s new for 2023 Your medical, dental, vision, life insurance, and hand corner. voluntary coverages will become effective on the first Your benefits at of the month following 30 days of employment. For 3. Click “GSA Online: Employee Login.” Maximus example, if your start date is February 8, your benefits 4. Enter “Maximus” in the search bar. New to Maximus? will be effective April 1. Making mid-year Your pre-assigned username is: Short- and long-term disability are available to benefits changes • MMSemployee ID (MMS123456) employees working at least 30 hours per week on the How to enroll in your first of the month following six months of employment benefits with Maximus. Your pre-assigned password is: • Date of birth (Format: MMDDYYYY) Enrollment checklist *If you require more than 14 days to make your new hire election, you must contact GSA National and request an extension. Extension requests for longer than 30 days following hire date will not be considered. Enrollment FAQs If you have any questions, please visit GSA National or call 800.250.2741. 8 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Making mid-year benefits changes IN THIS SECTION: Need to enroll in benefits or make changes mid-year? You may be able to update your benefit elections if you have certain changes in your circumstances, also known as Welcome a qualifying life event (QLE), as defined by the IRS. What’s new for 2023 Approved benefits changes typically become effective on the first day of the month following the QLE date, Your benefits at except for a birth where coverage is effective on the date of birth. Please be aware that the changes you can make Maximus are limited by IRS guidelines and will vary depending on your situation. New to Maximus? You must request changes to your benefits within 31 days of a QLE by: Making mid-year benefits changes 1. Visiting GSA National and logging into your account. 2. Select “Change Benefits” to request a change and submit supporting documentation. How to enroll in your benefits 3. If you need assistance, contact GSA National at 800.250.2741. Enrollment checklist Enrollment FAQs 9 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance How to enroll in your benefits IN THIS SECTION: 1. Visit GSA National. Welcome 2. Click “Employee/Client Access” in the upper right-hand corner. What’s new for 2023 3. Click “GSA Online: Employee Login.” 4. Enter “Maximus” in the search bar. Your benefits at Maximus 5. Enter your username and password, or register if a first-time user. New to Maximus? Your pre-assigned username is: Making mid-year • M MS+ Employee ID (MMS+ EID) benefits changes (Example: MMS222222) How to enroll in your Your pre-assigned password (must be changed upon first login) is: benefits • Date of birth (Format: MMDDYYYY) Enrollment checklist 6. Compare the plans and select your benefits. Enrollment FAQs 7. Review your selections to ensure that they are right for you and your family. 8. Provide the required documentation for your dependent enrollments. 9. Continue the process until you reach the “Congratulations” page. Don’t miss the deadline to submit! 10 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Enrollment checklist IN THIS SECTION: Welcome Read about your benefits in the guide. What’s new for 2023 Your benefits at Maximus Enroll in your benefits at GSA National during open enrollment or within 14 days of your date of hire.* New to Maximus? Making mid-year benefits changes If opting out of medical coverage, submit your proof of other credible coverage to GSA National within 14 days of your enrollment window. How to enroll in your benefits Enrollment checklist If enrolling dependents, provide proof of dependent status to GSA National within 30 days of your enrollment window. Enrollment FAQs Questions? Contact GSA National Monday - Friday If you wish to make voluntary 401(k) contributions, go to 401k.com. 8:30 a.m. to 7:00 p.m. ET 401(k) contributions can be changed at any time. 800.250.2741 gsanational.com *Note: Although new hires have up to 30 days to elect benefits and submit documentation, we encourage you to submit your customersupport@gsanational.com elections promptly, within 14 days, to avoid any delay in coverage. If you need additional time beyond 14 days, please notify GSA National via email or chat. 11 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Enrollment FAQs IN THIS SECTION: What happens if I don’t enroll? Welcome • If you do not complete your enrollment within your new hire or open enrollment window, you will be automatically enrolled in employee-only medical coverage in the Core Anthem HSA medical plan. What’s new for 2023 • All employees receive basic life insurance, the Employee Assistance Program (EAP), as well as short-term Your benefits at disability (STD) and long-term disability (LTD) coverage after meeting service requirements. Maximus When will my deductions start? New to Maximus? Benefits are pre-funded. For example, hours paid and deductions from January’s paychecks will pay for benefit Making mid-year coverage in February. benefits changes • For new hires, deductions will start the calendar month before your benefits become effective. How to enroll in your • For open enrollment elections, deductions for the new plan year will begin in December of the previous year. benefits Enrollment checklist Enrollment FAQs 12 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Enrollment FAQs IN THIS SECTION: Can I opt out of medical coverage? Acceptable proof: You will only be able to opt out of medical coverage if ✅ Current premium bill or current letter stating that Welcome you have acceptable medical coverage from another your coverage is in effect What’s new for 2023 source or person, such as your spouse. ✅ TRICARE coverage • You must provide documentation showing ✅ CHAMPVA/VA insurance Your benefits at Maximus coverage is current and effective on your start ✅ Letter from spouse’s employer date as well as yearly during benefits open ✅ Indian Health insurance card New to Maximus? enrollment. You are required to select a medical plan during your online enrollment until you Note: If you have coverage through Indian Health Enrollment checklist have provided proof of other coverage, at Service, you are only required to provide proof of Enrollment FAQs which time your medical plan election will be coverage during your initial enrollment period. canceled. Upload proof of other coverage to the Alight WorkLife portal or to GSA National for Unacceptable proof: secure transfer. New hires have 14 days from date ❎ Medicare, Medicaid, or Arizona Health Care Cost of hire to submit the documentation. Containment System (AHCCCS) coverage • If you opt out of medical coverage and paperwork ❎ Insurance ID cards (additional proof required) is not processed before your first month of ❎ Discount (non-insurance) cards coverage, the funds deducted from your Premium ❎ Short-term (gap coverage) insurance Reserve Account (PRA) will be corrected in the ❎ Insurance applications or temporary ID cards following month. 13 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Enrollment FAQs IN THIS SECTION: How do I enroll my dependents? If you wish to enroll dependents in our benefit programs, you will need to provide the following documents to Welcome GSA National: What’s new for 2023 • For your legal spouse: A marriage certificate or a copy of last year’s tax return verifying your marital status (financial data can be redacted). Spouses with access to employer-sponsored medical benefits are not eligible Your benefits at Maximus for coverage under the Maximus medical plans. • For child(ren) under 26 years of age: A birth certificate, adoption paperwork, or legal guardianship New to Maximus? paperwork. Making mid-year benefits changes Note: Dependent child(ren) can be covered on the medical, dental, and vision plans up to age 26. A child who is incapable of self-support due to developmental, mental, or physical disability will be eligible for coverage beyond How to enroll in your benefits the limiting age of 26 subject to terms and conditions. Enrollment checklist Submit your documentation to the Alight WorkLife portal or to GSA National. Enrollment FAQs Don’t forget You will need to submit your benefit elections within your enrollment window. You must also provide any necessary dependent documentation (such as birth or marriage certificates) within the enrollment window. Failure to complete the above will result in your dependents not being covered in any Maximus insurance plans. Outside of an eligible enrollment window, the only time you may make changes is during the next annual open enrollment period, unless you experience a qualifying life event. 14 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Enrollment FAQs IN THIS SECTION: How are my benefits funded? What if I have surplus funds? Your benefits are funded in full or in part by Maximus Surplus funds in your Premium Reserve Account Welcome through an account set up just for you called a Premium (PRA) are transferred to your retirement account on a What’s new for 2023 Reserve Account (PRA). quarterly basis if you meet all of the following criteria: • GSA National manages your PRA, which works like • Your individual PRA balance exceeds six months Your benefits at Maximus a bank account. of insurance premiums based on your current elections. • Maximus makes contributions on your behalf and New to Maximus? you “buy” benefits with the money deposited into • You have been hired, rehired, or transferred to a Making mid-year your PRA. position with GSA-administered benefits by the benefits changes first day of the second month of the quarter. • You also make your own contributions through How to enroll in your payroll deductions to the PRA when you select • You are an active employee on the last day of the benefits benefits that cost more than what Maximus quarter. contributes (such as buy-up plans) or to fund other Enrollment checklist If your employment is terminated, funds remaining in elected benefits. your PRA are forfeited. Enrollment FAQs • The funds in your account are used to pay monthly premiums not covered by Maximus. Depending on your account balance, PRA funds can also be used to contribute to dependent care reimbursement accounts or to fund your retirement plan. 15 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Enrollment FAQs IN THIS SECTION: How do I maintain medical coverage? To maintain medical coverage, employees must work a minimum average of 30 eligible hours for each weekly Welcome timesheet ending within the previous month. Eligible hours include all paid time and paid leave, up to a maximum What’s new for 2023 of 40 hours per timesheet. Your benefits at Failure to earn at least 30 hours per week of Health & Welfare funds can cause your PRA to be underfunded and Maximus unable to cover your medical insurance premiums. New to Maximus? Medical insurance will be suspended in any month that you: Making mid-year benefits changes • Fail to average 30 hours per week. • Have a PRA balance of negative $1,000 or less. How to enroll in your benefits • Are not covered by the Family and Medical Leave Act (FMLA) or other protected leave of absence. Enrollment checklist Enrollment FAQs 16 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Physical health IN THIS SECTION: • Medical plans • Compare your medical plans • Prescription drug coverage • Your contributions • Spending & savings accounts • Wellbeing program • Dental • Vision 17 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Medical plans IN THIS SECTION: Maximus has partnered with Anthem Blue Cross Blue Shield Maximus medical plans provide the coverage, tools, and to provide our medical insurance coverage. resources to help you take control of your health and Medical plans spending by offering: Compare your Employees may choose from three Anthem medical plans: • Preventive care covered at 100% under all health plans medical plans for eligible services when using in-network providers. The Core plan Prescription drug • Real-time health support from a nurse advocate, when Video: Types of health plans coverage at Maximus you call the Anthem Nurseline, available 24/7/365. The Buy-up plan Your contributions • Support from an Anthem Health Guide by phone or The PPO plan chat, Monday - Friday, 8:00 a.m. to 8:00 p.m. ET. Spending & savings accounts • Cost savings when using in-network providers. All three Anthem plans cover the same services and use the • Access to virtual care and virtual second opinion 24/7 Wellbeing program same provider network. through LiveHealth Online telemedicine. Dental • Access to various health and wellbeing support The main differences between the plans are: Video: Understanding key terms programs. Vision 1. What you pay out of pocket for your medical services through your deductible and coinsurance (if applicable). The Core plan offers affordable medical coverage with at 2. The funding method used to pay for your out-of-pocket least the minimum benefit value (called essential benefits) expenses, including the deductible. required under the Patient Protection and Affordable Care Act. You may also enroll in health plans through the 3. What you pay each pay period in premiums. Marketplace at healthcare.gov. However, while some low- income individuals may qualify for subsidized coverage, Maximus employees generally will not qualify because of the cost and benefit value of our health plans. 18 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Compare your medical plans IN THIS SECTION: Core plan Buy-up plan PPO plan Terms to know Medical plans In-network Out-of-network In-network Out-of-network In-network Out-of-network Aggregate deductible and OOP limit: With an Annual company contribution aggregate deductible or OOP limit, one family • Individual N/A $500 N/A amount applies to everyone. When one or a Compare your • Family $1,000 combination of family members has expenses medical plans You pay: that meet the family deductible or out-of-pocket Aggregate Aggregate Aggregate Aggregate Embedded Embedded limit, it is considered to be met for all of you. Prescription drug Annual deductible deductible deductible deductible deductible deductible deductible Then, the plan will begin paying its share of coverage • Individual $2,000 $6,000 $1,500 $5,000 $700 $2,000 eligible expenses for the whole family for the rest • Family $4,000 $12,000 $3,000 $10,000 $1,400 $4,000 of the year. Your contributions 20% after 50% after 50% after 20% after 40% after Coinsurance 0% deductible deductible deductible deductible deductible Embedded deductible and OOP limit: With an Spending & savings embedded deductible or OOP limit, each person Annual out-of-pocket (OOP) limit accounts (Includes deductible) only needs to meet the individual deductible and • Individual $6,000 $10,000 $6,000 $10,000 $3,000 $7,000 out-of-pocket limit before the plan begins paying • Family $12,000 $20,000 $12,000 $20,000 $6,000 $14,000 its share for that individual. (And, once two or Wellbeing program Telehealth visits more family members meet the family amounts, $0 after the plan begins paying its share for all covered Dental • LiveHealth Online (LHO) deductible Not covered Not covered LHO: $0 copay Not covered $0 after family members.) deductible Non-LHO PCP: • Non-LiveHealth Online 20% after 50% after 50% after $30 copay 40% after Vision Coinsurance: Your share of the costs of a covered (Non-LHO) deductible deductible deductible Non-LHO specialist: deductible $60 copay healthcare service, calculated as a percentage (for example, 20%) of the allowed amount for the Preventive care services 50% after 50% after 40% after $0 $0 $0 service. Once you reach your deductible, you are (Annual physical & cancer screenings) deductible deductible deductible responsible for paying the coinsurance amount 20% after 50% after $0 after 50% after $30; deductible 40% after PCP, non-preventive office visit for your covered services until you reach the out- deductible deductible deductible deductible doesn’t apply deductible of-pocket maximum. Office visit or telehealth 20% after 50% after $0 after 50% after $60; deductible 40% after (Specialist) deductible deductible deductible deductible doesn’t apply deductible Out-of-pocket maximum: The most you will pay 20% after 50% after $0 after 50% after $75; deductible 40% after for covered services during the plan year before Urgent care deductible deductible deductible deductible doesn’t apply deductible the plan begins to pay 100% of the allowed Inpatient hospital/ 20% after 50% after $0 after 50% after 20% after 40% after amount. Once you reach the out-of-pocket outpatient surgical facility deductible deductible deductible deductible deductible deductible maximum, the plan will pay for 100% of your healthcare services for the rest of the year. Emergency care 20% after deductible $0 after deductible $500 copay 19 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Prescription drug coverage IN THIS SECTION: Maximus partners with Express Scripts (ESI) to provide your prescription drug benefit. Express Scripts ensures that you have access to high-quality, cost-effective medicines through a network of retail pharmacies. Your copayments Medical plans are based on the type of prescription you have filled, where you have it filled, and the medical plan you are Compare your enrolled in. After your plan deductible has been satisfied, prescription drug coverage is as follows. medical plans Core plan Buy-up plan PPO plan Prescription drug In-network In-network In-network coverage Deductible Aggregate deductible Aggregate deductible • Individual $2,000 $1,500 None Your contributions • Family $4,000 $3,000 Generic $20 $20 $10 Spending & savings accounts Formulary $60 $60 $30 Wellbeing program Non-formulary $100 $100 $60 Mail order - generic $40 $40 $20 Dental Mail order - formulary $120 $120 $60 Vision Mail order - non-formulary $200 $200 $120 Mail order - specialty • 1- to 30-day supply $80 $80 N/A • 31- to 90-day supply $160 $160 You can enjoy additional savings by using ESI’s medication home delivery service. To find an in-network pharmacy, visit express-scripts.com/maximus. For out-of-network benefits, contact Express Scripts using the toll-free number on the back of your member ID card or call 800.282.2881. 20 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Prescription drug coverage IN THIS SECTION: Maintenance medication — Smart90 Program Specialty pharmacy — Accredo Contact Express Scripts Smart90 Program members are allowed 2 maintenance Accredo, the full-service Express Scripts specialty Medical plans medication fills from a 30-day retail pharmacy (for pharmacy, provides personalized care to patients with Register today at express-scripts.com or call 800.224.5513. To access TTY service Compare your example, drugs used to treat high blood pressure chronic, complex health conditions. Accredo offers for hearing-impaired members, call medical plans or diabetes). With Smart90, a member can choose several comprehensive disease-specific patient care 800.899.2114. to fill a 90-day supply at a CVS pharmacy or through management programs: Prescription drug coverage the Express Scripts mail order pharmacy. Members • Patient counseling and education — convenient All services listed are available 24 hours continuing to use 30-day supplies of maintenance a day, 7 days a week. access to highly trained specialty experts, including Your contributions medication, or filling out-of-network, pay 100% of pharmacists, nurses, and patient care coordinators Your doctor may fax your prescriptions prescription cost. who provide support to manage your condition. to the Express Scripts Pharmacy at Spending & savings accounts 800.837.0959. • Convenient medication delivery — coordinated Preventive generics program Wellbeing program delivery to your home, doctor’s office, or any other Members receive free or discounted preventive approved location. medications for many conditions including diabetes, Dental heart disease, and high blood pressure. This program • Refill reminders — ongoing refill reminders from a Vision helps you adhere to your medication regimen and stay patient care coordinator. healthy. Be sure to speak with your doctor about this • Language assistance — translation services for non- benefit and discuss choosing the most cost-effective English-speaking patients. option for you. Sign in at express-scripts.com to see all of the medications included in the preventive • Mobile app — makes it easy for your to refill medication list that are not subject to your deductible. medications. All preventive generic drugs are available at no cost to you. For additional information about the services available to you through Accredo, please call 800.987.5254. 21 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Your medical and prescription drug plan contributions IN THIS SECTION: Under the Core HSA plan, the employee-only medical premium is fully paid by Maximus with no additional cost to you. If you wish to add your dependents to your medical plan or if you wish to elect the Buy-up HSA plan or the Medical plans PPO plan, the applicable premium below will be deducted from your paycheck each pay period. Compare your medical plans Bi-weekly payroll deductions Prescription drug Core plan Buy-up plan PPO plan coverage Employee $0 $50.00 $65.00 Your contributions Employee + spouse* $281.45 $321.97 $332.85 Spending & savings Employee + child(ren) $217.23 $245.82 $255.53 accounts Employee + family* $435.66 $498.29 $512.10 Wellbeing program *Working spouses who have access to medical/prescription drug insurance through their employer are not eligible for coverage under the Maximus medical/ prescription plans. They remain eligible for dental, vision, and other benefits available to spouses. Dental Vision Note If you go out-of-network your expenses may exceed the coinsurance amount because the doctor may bill you for the charges not covered under the plan. 22 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Spending & savings accounts IN THIS SECTION: Heath savings accounts (HSAs) Contributing to an HSA Triple tax advantage of HSAs A health savings account is a powerful tool that allows You must be enrolled in an HSA medical plan in order Medical plans you to pay for qualified health expenses (as determined to receive the employer contributions and/or contribute 1. Y ou invest in HSAs with pre-tax dollars. HSA contributions are Compare your by the IRS) during the year. to the HSA. Contributions to your HSA (up to the 2023 deducted from your paycheck on a medical plans IRS maximum, minus the Maximus contribution) can pre-tax basis, which lowers your tax The money in your HSA is yours to keep and use be made via pre-tax payroll deductions and can be bill. Prescription drug coverage forever, even if you leave the company or are no longer changed at any time. For 2023, you can contribute: enrolled in an HSA medical plan. 2. H SA money grows tax-free. The funds • $3,850 per year for single coverage (inclusive of Your contributions that accrue in HSAs are tax deferred. employer contribution). This means that — depending on how You must enroll in an HSA medical plan to contribute to you use the funds — the money may Spending & savings • $7,750 per year for family coverage (inclusive of accounts an HSA, but you can use the funds regardless. You are only be taxed upon withdrawal in employer contribution). Dependents must be not eligible to contribute or receive employer funds if retirement, when your tax rate may be Wellbeing program approved via dependent verification process in lower than it is today. you are enrolled in Medicare or TRICARE. order to elect the family HSA contribution. Dental 3. You withdraw HSA money tax-free. How it works • $1,000 per year catch-up contribution option for You may withdraw funds from HSAs employees age 55+. Vision without incurring any taxes, provided 1. Enroll in the Core or Buy-up plan. the money is used for qualifying 2. Elect payroll contribution amount. Maximus’ HSA contributions health expenses such as deductibles, If you enroll in the HSA Buy-up plan, Maximus will coinsurance, copays, orthodontics, 3. Get tax breaks. feminine hygiene products, contribute $500 for single coverage or $1,000 for family prescription and over-the-counter 4. Pay for qualified health expenses with your coverage into your HSA. This means each pay period drugs, telehealth services, and more. HSA debit card, or online payment options. you will see a deposit into your HSA from Maximus, in addition to any contributions you elect to make into the 5. Let your money grow. account. You can also earn up to $500 in your HSA for 6. Roll contributions over year to year. completing wellbeing activities. 7. Retire with more. 23 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Spending & savings accounts IN THIS SECTION: Health reimbursement accounts (HRAs) Dependent care reimbursement account Maximus funds your HRA by providing financial A dependent care reimbursement account is funded Medical plans incentives for your healthy habits as identified by our by Maximus and allows you to reimburse yourself Compare your wellbeing program. You will receive a debit card with this for eligible day care costs and other qualifying, non- medical plans plan that allows flexibility in the way your earned HRA healthcare child or elder care expenses. dollars are used. You may use the debit card to pay your Prescription drug coverage cost share at the point of service at a doctor’s office or How it works the pharmacy. You may also pay up front using another 1. Enrollment in this account can take place at any Your contributions source of payment and then request reimbursement time and must be renewed from year to year. through the anthem.com portal or Engage. Spending & savings 2. Participation requires a minimum Premium accounts Reserve Account balance of $50, with transfers The funds up to your out-of-pocket maximum are yours Wellbeing program limited to 50% of the Premium Reserve Account to keep the following year if you re-enroll in the PPO balance. medical plan. Dental 3. Fund transfers take place at the end of each Vision How it works fiscal quarter. If you want to make changes to the quarterly transfers, you must complete it by the 1. Enroll in the PPO medical plan. last day of the quarter. You must also be actively 2. Maximus makes contributions to the account employed on the last day of the quarter to be when you complete wellbeing activities. eligible for the transfer. 3. P ay for qualified health expenses by using To initiate a reimbursement claim or for account your HRA debit card or through a information, visit flexfacts.com or call 877.94.FACTS reimbursement request. (877.943.2287). 4. Get reimbursed. 24 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Spending & savings accounts IN THIS SECTION: Health savings account (HSA) Health reimbursement account (HRA) Medical plans Who owns it? You Maximus Compare your medical plans • You and Maximus. Maximus automatically contributes $500/individual or $1,000/family on a pro-rated basis each pay period if you are enrolled in the HSA Buy-up plan. Maximus makes contributions to the account when you complete Prescription drug Who funds it? • You can earn up to $500 when you complete wellbeing activities. wellbeing activities. coverage • If you are enrolled in Medicare or TRICARE, you are not eligible to contribute or eligible for the Maximus contribution. Your contributions • Single coverage: $3,850 Spending & savings • Family coverage: $7,750. Dependents must be approved via dependent accounts What is the maximum contribution verification process in order to elect the family HSA contribution. You can earn up to $500 when you complete wellbeing activities. amount allowed in 2023? • Catch-up contribution for employees age 55+: $1,000 Wellbeing program • Annual maximum limits are inclusive of the Maximus contribution, your contributions, and wellbeing incentives earned. Dental You can use the funds to pay for eligible medical, vision, and dental You can use your HRA to pay for eligible expenses such as medical What can the funds be used for? copays, coinsurance, deductible and pharmacy copays for you and your expenses for you and eligible dependents eligible dependents enrolled in the PPO plan. Vision What are the enrollment ❗ You must be enrolled in the HSA medical plan to contribute/receive requirements? funds but do not need to be enrolled to use the funds. When you enroll ❗ Only available to those in the PPO plan. in the HSA medical plan, you are automatically enrolled in the HSA. What are the tax benefits? T ax-free contributions, withdrawals, interest, and investment income N/A ✅ Unused funds roll over from year to year and are not subject to rollover ✅ Unused funds up to your out-of-pocket maximum will be available to Do the funds roll over? limits. Your HSA must meet the $1,000 minimum threshold before you you in the following year if you re-enroll in the HRA. can transfer money to your investment account. Is there an investment option? ✅ You can invest your funds after meeting a minimum threshold. ❎ No investment option Is the account portable? ✅ HSA funds are yours to keep forever, even if you leave the company. ❎ HRA funds stay with Maximus if you leave the company. 25 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Wellbeing program IN THIS SECTION: The physical, financial, emotional, and social wellbeing Employee Assistance Program (EAP) Learn more of you and your family are significant parts of what The EAP can help employees with everyday challenges Visit engage-wellbeing.com for more Medical plans allow you to be successful at work and at home. Our both large and small, including personal, work, and resources to help build and maintain healthy habits that lead to healthier, Compare your Health and Wellbeing program has resources for all family issues. It is a free and confidential service more fulfilling lives. medical plans employees regardless of whether they are enrolled in a provided to all employees and everyone who lives in Maximus medical plan, such as: their household. Services include help with daily work Prescription drug coverage • Employee Assistance Program (EAP) and life challenges, free counseling sessions with a through LifeWorks. licensed counselor, webcasts, and online resources. Your contributions • Wellbeing webcasts through the EAP. Employees have unlimited access to the EAP 24/7 Spending & savings • LifeSpeak expert education and advice on issues by phone or by using the LifeWorks online platform. accounts that affect everyday life with concise, easy-to- (Username: maximuseap, password: maximus) Wellbeing program access content and a live monthly chat with wellbeing professionals. Dental • Support for personal wellbeing goals with Vision one-on-one telephonic coaching or a self-paced digital path through Aduro Human Performance Coaching. • Free wellbeing apps, such as Headspace and Wellbeats. • LifeWorks content on family, culture, and relationships. • Fairs and on-site activities. • Employee perks and discounts. 26 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Wellbeing rewards 5 points earned = $1 Total points you can earn = 2,500 IN THIS SECTION: Employees enrolled in a Program name Program activities Points earned for Anthem Points earned for non-Anthem Frequency medical plan participants medical plan participants* Maximus medical plan can earn Register 25 25 Once per lifetime Medical plans Welcome points up to $500 for taking healthy Get mobile app 25 25 Once per lifetime Compare your actions, such as completing Understand your plan 10 N/A Once annually medical plans See your claims 10 N/A Once annually an annual physical or getting Search for care 50 N/A Once annually routine screenings. Incentives Explore and earn Rate a doctor 10 N/A Once annually Prescription drug coverage will be paid directly into your Build a care team 100 N/A Once annually HSA or HRA. Take health assessment 250 250 Once annually Walk 5,000 steps 5 5 Once daily Your contributions Get active Walk 7,000 steps 7 7 Once daily Employees not enrolled in a Walk 10,000 steps 10 10 Once daily Spending & savings accounts Maximus medical plan can also Eat smart Track 800+ calories 10 10 Once daily Sleep well Track 2+ hours of sleep 5 5 Once daily earn points for completing Anthem health coaching Complete health coaching 250 N/A Once annually Wellbeing program healthy activities and can use Breast cancer screening 500 N/A Once annually the points to be entered into Prostate cancer screening 500 N/A Once annually Dental quarterly sweepstakes for a Anthem preventive care Skin cancer screening 500 N/A Once annually Well-women visit 500 N/A Once annually Vision chance to win prizes. Colon cancer screening 500 N/A Once annually Annual physical 1,000 N/A Once annually Aduro Breathe Easy Complete cessation coaching 25 25 Once annually Complete a weekly practice 10 10 Once weekly Aduro Human Performance Complete a daily habit 10 10 Once daily Coaching Complete telephonic coaching 500 25 Once annually Omada Health Build healthy habits 10 N/A Once weekly Complete screening 500 N/A Once annually Quest Diagnostics View results in Engage (New for 2023!) 100 0 Once annually Dental cleaning Self-report dental cleaning 250 N/A Once annually Complete a 7-day healthy habit Healthy habits 10 10 Once daily challenge 27 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Dental IN THIS SECTION: You and your eligible dependents may choose to enroll in the Cigna Dental PPO Network, which offers a large Your contributions network of providers. When you choose to see a network dentist, you will have lower out-of-pocket costs. Medical plans Bi-weekly payroll deductions Compare your In-network Out-of-network Employee only $12.97 medical plans Employee + spouse $27.24 Annual deductible • Individual $50 $50 Employee + child(ren) $24.64 Prescription drug • Family $150 $150 coverage Family $38.90 Annual benefit maximum $1,500 (Per person) Your contributions Orthodontic lifetime maximum $1,500 (Per person) Spending & savings What you can expect to pay for certain services accounts Diagnostic and preventive services 0% Wellbeing program After deductible Dental Basic services 20% 20%, plus any amount over R&C Vision Major services 50% 100% Orthodontic services Coinsurance 50% 50% plus any amount over R&C Eligibility Dependents up to age 19 Dependents up to age 19 28 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Vision IN THIS SECTION: Vision insurance is provided through VSP, which gives you access to the largest provider network in the industry. Your contributions Your vision plan covers a wide range of services, including exams, lenses, frames, contact lenses, and more. Create Medical plans an account on vsp.com to view your in-network coverage, find the VSP network doctor who’s right for you, and Bi-weekly payroll deductions Compare your discover savings with exclusive member extras. At your appointment, just tell them you have VSP. Employee only $3.19 medical plans Employee + spouse $6.38 Note: VSP does not mail insurance ID cards. You can print an ID card on the VSP website or you may simply tell Employee + child(ren) $6.38 Prescription drug coverage your provider that you have coverage through VSP. Family $9.09 Your contributions In-network Out-of-network Frequency of benefit Spending & savings $10 copay accounts Annual exam $10 copay Per calendar year $35 maximum allowance Wellbeing program Lenses After $20 copay for lenses and frames After $20 copay for lenses and frames Single lenses Covered in full Up to $25 allowance Per calendar year Bi-focal lenses Covered in full Up to $40 allowance Dental Tri-focal lenses Covered in full Up to $55 allowance Vision $20 copay for lenses and frames; up to Frames $150 retail allowance (less at certain retail After $20 copay, up to $35 allowance Every other calendar year providers) Contacts Medically necessary lenses $20 copay, then covered in full After $20 copay, $210 maximum allowance Per calendar year Elective lenses $150 allowance; fitting and evaluation $105 allowance; applies to cost of exam covered in full with copay not to exceed and lenses $60 29 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Financial security IN THIS SECTION: • GSA Retirement Plan • Maximus 401(k) Plan • Disability plans • Supplemental insurance • Financial benefits for the unexpected 30 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance GSA Retirement Plan IN THIS SECTION: Helping you plan for the future is important to Maximus, which is the reason we offer the Maximus GSA Retirement Plan. This account is funded through excess contributions and growth in your Premium Reserve Account. The GSA Retirement Plan amount of contributions will depend on the number of hours you work and your benefit elections. Transfers occur Maximus 401(k) Plan the month following the end of each fiscal quarter, and you must be actively employed on the last day of the quarter to be eligible. Disability plans The GSA Retirement Plan: Supplemental insurance • Allows employees to use pre-tax employer funds (H&W funds) to save for retirement. Financial benefits for • Vests immediately at 100%. the unexpected • Provides a variety of investment options through Fidelity, including money markets and global funds. • Offers 24/7 access to online account info at 401k.com. • Is portable upon separation from the company. To initiate a rollover, or to cash out funds, contact Fidelity at 800.890.4015 or 401k.com. 31 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Maximus 401(k) Plan IN THIS SECTION: It’s never too early to start thinking about and planning for your retirement. The Maximus 401(k) Plan helps you build a solid foundation for your financial future. GSA Retirement Plan Maximus 401(k) Plan How do I enroll? Employees call Fidelity directly at 800.890.4015 or access online at 401k.com. Disability plans What is the maximum annual contribution I can make? Supplemental insurance • IRS annual contribution limit: $20,500* • Catch-up contribution limit (over age 50): $6,500* Financial benefits for the unexpected What is the company match? Maximus will match 100% of the first 3% of your eligible compensation and 50% of the next 2% that you contribute. The total maximum match is 4% of your eligible compensation. Additional information Loans and withdrawals are available in accordance with IRS regulations. Rollovers from other eligible retirement plans are accepted. The Maximus 401(k) Plan is a profit sharing plan for employees age 21 or older. Non-resident aliens (with no U.S. source income), leased employees, and employees covered by a union that has not negotiated for participation in the plan are not eligible to participate in the Maximus 401(k) Plan at any time. *2022 contribution limits. The IRS has not yet released the 2023 401(k) contribution limits. 32 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
Eligibility & enrollment Physical health & wellbeing Financial security Maximus Foundation Work/life balance Disability plans IN THIS SECTION: Disability insurance is an important coverage for financial Short-term disability (STD) Pre-existing condition exclusion period protection and peace of mind. These plans offer salary • The premium is paid by Maximus and pays a weekly The pre-existing condition exclusion GSA Retirement Plan continuation if you are absent from work due to a benefit. period is a benefit eligibility provision that may exclude you from becoming Maximus 401(k) Plan covered illness or disability. • The plan pays 70% of your pre-disability weekly eligible for benefits for a period of time, earnings (subject to the plan’s maximum weekly due to a medical condition that you had Disability plans Disability insurance is available to regular full-time benefit of $1,000). or for which you received treatment prior employees scheduled to work at least 30 hours per week • 7-day elimination period which may be paid using to filing a disability claim. Supplemental insurance and begins the first of the month following 6 months of available paid time off (PTO) or taken as unpaid leave A pre-existing condition review will take service. of absence. place when a disability claim is filed Financial benefits for • Maximum duration of 26 weeks. the unexpected before your coverage has been in effect Important: Long-term disability (LTD) coverage is for 12 consecutive months from your subject to a pre-existing condition clause that may Long-term disability (LTD) benefit eligibility date. exclude you from becoming eligible for benefits for a • The premium is paid by Maximus and pays a monthly This review will take into consideration period of time, due to a medical condition that you had or benefit. any conditions believed to exist three for which you received treatment prior to filing a disability • Plan pays 50% of your pre-disability monthly earnings months prior to the effective date of claim. Please refer to the plan document at gsanational. (subject to the plan’s maximum monthly benefit of disability coverage. When the review com for more information. $2,500). determines that the disability is a result • Elimination period for LTD is the greater of the STD of a pre-existing condition, benefits will not be paid. maximum benefit period or 180 days. • Up to age 65 if you continue to meet the definition of For further information on what is disability under the plan. considered a pre-existing condition or • Pre-existing condition review applies when you have how it applies to disability coverage, been covered for less than 12 consecutive months please review the plan document or call MetLife. from the date of disability. 33 • Maximus 2023 SCA benefits guide Questions about your benefits? Contact GSA National at customersupport@gsanational.com or call 800.250.2741.
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