Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com

 
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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Guide to benefits
Your guide to the PSEB associate benefit
  programs for June 2020-May 2021
                   1
Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Content
Focus on what matters

Everyone who works at PSEB has an impact                                                                 First things first...................3
on our success. And we know that we can’t be
the best possible us, unless you are the best                                                            Your health...........................5
possible version of you!
                                                                                                         Medical.......................................................................... 5
Your health and wellbeing are important, so we’re pleased                                                Health Reimbursement Arrangement (HRA)....... 7
to offer a comprehensive benefits package to all eligible                                                Dental............................................................................ 11
associates.                                                                                              Vision............................................................................ 12

Our benefits are designed to support you when you need
it most. Some of them are paid for in full by PSEB and will
                                                                                                         Your money........................ 13
support you automatically. Others are available for you to                                               Flexible Spending Accounts (FSA)......................... 13
choose from to build a benefits package that suits your needs.                                           Life and AD&D insurance.........................................14
                                                                                                         Disability insurance................................................... 15
This guide includes detail about all of the benefits available.
                                                                                                         Additional benefit options.......................................16
Please take the time to read through it and understand the
                                                                                                         Associate discounts................................................... 17
choices available to you. If you need any more information,
you can visit The Collective at thecollective.psebllc.com or
contact the benefits department using the details on
                                                                                                         Your life.............................. 18
page 19. When you’re ready to enroll, log into UltiPro.                                                  Employee Assistance Program (EAP)...................18

Peace of mind so you can focus on what matters.
                                                                                                         Important contacts............. 19

This document is an outline of the coverage proposed by the carrier(s), based on information provided by your company. It does not include all the terms, coverages,
exclusions, limitations, and conditions of the actual contract language. The policies themselves must be read for those details. The intent of this document is to provide you
with general information about your employee benefit plans. It does not necessarily address all the specific issues which may be applicable to you. It should not be construed
as, nor is it intended to provide, legal advice. Questions regarding specific issues should be directed to the Benefits Department.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
First things first
Eligibility                                     Making your benefit selections
Active, full-time associates                    Benefit plans are effective each year from June 1 through
working at least 30 hours                       May 31. In general, you may make benefit choices as a
per week are eligible for                       newly eligible associate, during Open Enrollment and if you
benefits with PSEB.                             have a qualifying life change.
Associates in Hawaii working                    •     Newly eligible associates: When you’re first eligible for benefits with PSEB,
at least 20 hours per week                            make your benefit selections within 30 days of your hire or eligibility date.
are eligible for most benefits.                       Benefits begin on the first day of the month following 30 days of employment
                                                      and remain in effect through May 31, 2021 unless you have a qualifying life
Some benefits are paid for 100% by                    change. If you are a variable hour associate, the date your benefits begin is
PSEB, and coverage is automatic if you                based on when your measurement period is satisfied.
are eligible. Other benefits give you
                                                •     Open Enrollment: Choices you make during Open Enrollment are in effect
choices and require you to enroll.
                                                      through May 31, 2021 unless you have a qualifying life change.

Eligibility groups                              •     Qualifying life change: Certain events throughout the year such as marriage
                                                      or divorce, birth or adoption of a child, death of a covered family member, or
•   Group 1: Executive Office Team,                   gain/loss of other coverage can allow you to make changes to your benefit plans
    Executive Team                                    consistent with your life change. You have 30 days (31 days for Triple S) from
                                                      the date of the event to submit this request, and documentation is required.
•   Group 2: District Directors, District
                                                      Please review the information in UltiPro or on The Collective for more details.
    Managers, Area Managers,
    Regional Managers, Distribution
    Center Managers, Corporate                  Enrollment occurs in UltiPro; login instructions are
    Directors, Corporate Managers               available on The Collective.
•   Group 3: Store Managers, Co-
    Managers, FT Assistant Store
    Managers, Stock Leads, Distribution               Contact the Benefits Department if you have questions about
    Center Supervisors, Distribution                  your eligibility or enrollment.
    Center Front Office (non-mgt),
    Distribution Center (non-mgt),
    Corporate Associates (non-mgt)
•   Group 4: PT Assistant Store
    Managers, Sales Supervisors, Store      The measurement period is the time the company uses to track hours worked and determine if you have worked an
                                            average of 30 hours per week or more. If it has been determined that you have worked an average of 30 hours or
    Associates, Stock Associates,
                                            more during your measurement period, you are eligible to enroll in health benefits and receive coverage for up to
    Distribution Center PT Variable
                                            12 months while the company tracks your hours to determine eligibility for the next 12 months.
    Hour Associates, PT Corporate
    Associates (non-mgt)

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
First things first

Covering your family
In addition to associates, we extend benefit coverage to eligible
dependents.

Your Spouse
You may cover your legal spouse on medical, dental, vision, and additional voluntary life
insurance coverage.

Your Children
Your natural, adopted, foster, stepchildren, and children in your custody due to a court order are
eligible for benefits:
 • Medical, Dental, Vision: until the end of the month when they reach age 26 regardless of
   any other status.
   Disabled dependents: adult dependent children who became disabled before age 26 and meet
   carrier requirements are also eligible for coverage. Please contact the benefits department at
   benefits@psebllc.com or 1-866-989-6958, #2 if this applies to you.
 • Child Life Insurance: from live birth until their 26th birthday if unmarried.

Factors that impact your cost for
coverage
Spousal surcharge
If your spouse has health coverage available through their own employer but is covered under the
PSEB medical plan, a $46 bi-weekly spousal surcharge will apply to your medical coverage. More
information is available on The Collective.

Non-tobacco discount
If you and/or your enrolled spouse use tobacco products, a $46 bi-weekly increase will be added to
the rates shown on the medical pages. Please contact the benefits department at benefits@psebllc.
com or 1-866-989-6958, #2 to learn about removing the surcharge by completing our tobacco
cessation program. More information is available on The Collective.

  The rates shown on the medical pages are for associates that are non-tobacco users
  and who do not have a spousal surcharge. If you are a tobacco user and/or if your
  enrolled spouse has other health coverage available through their own employer, the
  additional cost(s) above would apply.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Helpful insurance
                                                                                                   terms
                                                                                                   These terms will help you understand
                                                                                                   your benefits and coverage options.
                                                                                                   Copay – a set fee you pay whenever
                                                                                                   you use certain medical services, like a
                                                                                                   doctor visit.
                                                                                                   Deductible – the dollar amount you pay
                                                                                                   before your medical insurance begins
                                                                                                   paying deductible-eligible claims.
                                                                                                   Coinsurance – the percentage of

Your health
                                                                                                   covered medical expenses you continue
                                                                                                   to pay after you’ve met your deductible
                                                                                                   and before you reach your out of pocket
                                                                                                   maximum.
                                                                                                   Out-of-pocket maximum – the most
                                                                                                   you will pay annually / during the year
                                                                                                   for covered expenses. This includes

Medical
                                                                                                   copays, deductibles, coinsurance, and
                                                                                                   prescription drugs.
                                                                                                   Balance billing – the amount you are
                                                                                                   billed by your out-of-network provider
We know the peace of mind that great medical                                                       to make up the difference between
coverage can provide, and we want you to have                                                      what your provider charges and what
just that. PSEB offers several medical plans                                                       insurance reimburses. This amount is in
                                                                                                   addition to, and does not count toward
so you can choose the one that suits you best.                                                     your out-of-pocket maximum.
Each of our medical plans covers in-network preventive care at                                     Plan year – June-May
100% when received in a physician’s office. Beyond that, your
responsibility depends on the plan you choose, the services you                                    Calendar year – January-December
need, and where you receive your care.

Plan options at-a-glance: Mainland US Associates
                                                                                                           Anaheim, CA or Bellevue, WA
                                              All mainland US associates
                                                                                                            corporate associates only
                                                                                                           California          Washington
                              HRA PPO Plan                                PPO Plan
                                                                                                             HMO                 HMO
 Network options             In- and out-of-network                   In- and out-of-network                    In-network only (Kaiser)

                                                                  A mix of copays and deductible             A mix of copays and deductible
 Paying for care       Mostly deductible then coinsurance
                                                                         then coinsurance                           then coinsurance

                      Health Reimbursement Arrangement
 Health account
                                     (HRA)                               Health Care FSA                            Health Care FSA
 eligibility
                                Health Care FSA

                        An HRA helps you pay for eligible       The Aetna PPO plan has a higher               These plans offer in-network
                        medical and pharmacy expenses          premium, but with more predictable            care at predictable costs when
                        with money contributed by PSEB.              costs during the year.                     you use Kaiser facilities.
 Plan information                See page 7 for                                                             Corporate associates in Anaheim,
                             additional information.                                                       CA or Bellevue, WA have the Kaiser
                                                                                                             option in addition to Aetna. See
                                 Deductibles and out-of-pocket maximums run June - May.                       page 8 for more information.

Associates in Puerto Rico and Hawaii have separate plan options; see page 9 for details.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Your health

Medical plan comparison
When you need care, your medical plan with Aetna is here for you – regardless of the selection you make.
Take a moment to review the options available to you, and head over to The Collective for additional details.

Mainland US - all locations
                                                      HRA PPO Plan                                                             PPO Plan
Network name                              Aetna Choice POS II (Aetna HealthFund)                                   Aetna Choice POS II (Open Access)

In-network care
Plan year deductible DED            $3,000 single coverage; $6,000 with dependents                            $1,500 per person; $3,000 family maximum

Out-of-pocket maximum             $6,000 per person; $12,000 family maximum (plan year)                 $3,000 per person; $9,000 family maximum (plan year)

Health account:                                       HRA (annually)
                                                                                                                                Not eligible
PSEB contribution                    Single coverage: $500 | With dependents: $1,000

Preventive care                                         100% covered                                                          100% covered

Primary care physician                              DED then you pay 10%                                                        $20 copay

Specialist                                          DED then you pay 10%                                                        $40 copay

Virtual doctor (Teladoc)                            DED then you pay 10%                                                        $20 copay

Urgent care                                         DED then you pay 10%                                                        $40 copay

Emergency room                            $250 copay then DED then you pay 10%                                  $250 copay then DED then you pay 20%

Outpatient surgery                                  DED then you pay 10%                                                 DED then you pay 20%

Inpatient hospitalization                           DED then you pay 10%                                                 DED then you pay 20%

 Prescription drug coverage (CVS Caremark)
                                        30-day fill                        90-day fill                        30-day fill                        90-day fill

Generic                            You pay 30% (to $25)               You pay 30% (to $50)               You pay 30% (to $25)               You pay 30% (to $50)

Preferred Brand                   You pay 40% (to $50)                You pay 40% (to $100)             You pay 40% (to $50)                You pay 40% (to $100)

Non-Preferred Brand                You pay 50% (to $75)               You pay 50% (to $150)              You pay 50% (to $75)               You pay 50% (to $150)

Specialty                         You pay 40% (to $200)               Not covered – use retail          You pay 40% (to $200)               Not covered – use retail
After the 3rd fill of long-term maintenance drugs, use CVS Caremark mail or a CVS/Target retail pharmacy to receive a 90-day supply, otherwise you will pay 100%
of the drug cost.

 Out-of-network cost basics (plus balance billing)
Plan year deductible DED             $4,000 single coverage; $8,000 with dependents                          $3,000 per person; $6,000 family maximum

Coinsurance (you pay)                                   50% after DED                                                         40% after DED

Out-of-pocket maximum                  $8,000 per person; $16,000 family maximum                             $6,000 per person; $18,000 family maximum

 Your per-paycheck (bi-weekly) cost for coverage
                                                      HRA PPO Plan                                                             PPO Plan
Associate Only                                              $32.02                                                                $95.05

Associate + Spouse                                           $77.75                                                               $237.48

Associate + Child(ren)                                      $69.98                                                                $212.24

Associate + Family                                          $110.91                                                               $337.81

  The Aetna HRA PPO plan does not comply with Massachusetts Minimum Creditable Coverage (MCC) requirements.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Your health

              Health Reimbursement
              Arrangement (HRA)
              An HRA is a company-provided allowance to use
              towards eligible health care expenses.
              When you enroll in the HRA PPO Plan, PSEB sets aside money on an
              annual basis for your medical and pharmacy care.

              Plan year allowance
              The HRA is funded by PSEB; you do not contribute. The amount of your
              allowance depends on your coverage level:

                                         Single coverage          With dependents

               Plan year allowance               $500                     $1,000

              Paying for care
              Your eligible medical and pharmacy expenses (deductible and/or copay) are
              automatically deducted from your HRA allowance first. Once your HRA is
              depleted, you may pay out of pocket or use your FSA funds.

              Unused funds and more
              Unused funds at the end of the plan year will roll into the next year’s
              allowance, up to a maximum of $2,250 for individuals or $4,500 if you
              cover any dependents. Your funds are non-transferable and are forfeited if
              your employment with PSEB terminates for any reason.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Your health

Anaheim, CA and Bellevue, WA corporate locations
Additional options with Kaiser Permanente are available for associates in the Anaheim and Bellevue
corporate locations. These plans require the designation of a Primary Care Physician. Although you do not
need to select one at enrollment, be sure to designate one within 90 days or one will be assigned to you.

                                  California HMO (Anaheim, CA)                               Washington HMO (Bellevue, WA)
Network name                                   Kaiser: Core                                                 Kaiser: HMO

In-network care
Plan year                                     $750 per person                                              $750 per person
deductible DED                            $1,500 family maximum                                        $1,500 family maximum

Plan year out-of-                          $3,000 per person                                              $3,500 per person
pocket maximum                           $6,000 family maximum                                         $7,000 family maximum

Preventive care                                100% covered                                                 100% covered

Primary care physician                          $25 copay                                                    $25 copay

Specialist                                      $25 copay                                                    $25 copay

Virtual doctor (Kaiser)                        100% covered                                                 100% covered

Urgent care                                     $25 copay                                                    $25 copay

                                                                                                 $250 copay then DED then you pay
Emergency room                        $250 copay (waived if admitted)
                                                                                                     20% (waived if admitted)

Outpatient surgery                        DED then you pay 20%                                         DED then you pay 20%

Inpatient hospitalization                 DED then you pay 20%                                         DED then you pay 20%

Prescription drug coverage
                                 30-day fill                       100-day fill               30-day fill                        90-day fill

Preferred Generic                 $10 copay                         $20 copay                 $10 copay                          $20 copay

Preferred Brand                  $30 copay                          $60 copay                 $20 copay                          $40 copay

Non-Preferred Brand              Not covered                       Not covered               Not covered                        Not covered

Specialty                   You pay 20% (to $200)             Not covered – use retail   You pay 50% (to $150)             Not covered – use retail

Out-of-network cost basics (plus balance billing)
Deductible DED

Coinsurance (you pay)              Not covered unless a true emergency.                         Not covered unless a true emergency.

Out-of-pocket maximum

Your per-paycheck (bi-weekly) cost for coverage
                                  California HMO (Anaheim, CA)                               Washington HMO (Bellevue, WA)
Associate Only                                      $95.05                                                       $95.05

Associate + Spouse                               $237.48                                                         $237.48

Associate + Child(ren)                              $212.24                                                      $212.24

Associate + Family                                  $337.81                                                      $337.81

  State registered domestic partner coverage is permitted on Kaiser plans. Spousal surcharge requirements
  apply to domestic partners as well. Visit The Collective for details.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Your health

Hawaii and Puerto Rico locations
                                          Hawaii Plan (HMAA)                                    Puerto Rico plan (Triple-S Salud)
Network name                                          HWMG                                                     Commercial (PPO)

In-network care                                   Calendar year                                                 June - May (Plan year)
Annual deductible                             $100 per person                                        $100 per person (major medical)
DED                                         $300 family maximum                                    $300 family maximum (major medical)

                              Medical: $2,000 per person; $6,000 family maximum                 Medical/Hospital/Rx: $6,350 per person
Out-of-pocket maximum                                                                     		                         $12,700 family max.
                            Prescription: $5,350 per person; $8,700 family maximum        Major medical: $2,000 per person | $4,000 family max.

Preventive care                                   100% covered                                                  100% covered

Primary care physician                               $15 copay                                                    $10 copay

Specialist                                           $15 copay                                                    $10 copay

Virtual doctor (page 10)                          100% covered                                            Not covered (Nurseline)

Urgent care                                         $25 copay                                     Illness: $50 copay | Accident: no charge

Emergency room                                     You pay 20%                                    Illness: $50 copay | Accident: no charge

Outpatient surgery                                 You pay 20%                                                    $100 copay

Inpatient hospitalization                          You pay 20%                                                    $100 copay

Prescription drug coverage
                                   30-day fill                       90-day fill                 30-day fill                       90-day fill

                              Drug cost over $250:         30-day retail drug cost over
Generic                          you pay 20%                  $250: you pay 20%             You pay 30% (to $25)             You pay 23% (to $50)
                              Otherwise, $12 copay           Otherwise, $24 copay

                              You pay 20% if drug          30-day retail drug cost over
Preferred Brand                 cost is over $250             $250: you pay 20%             You pay 40% (to $50)             You pay 30% (to $100)
                              Otherwise, $24 copay           Otherwise, $48 copay

                              You pay 20% if drug          30-day retail drug cost over
Non-Preferred Brand             cost is over $250             $250: you pay 20%             You pay 50% (to $75)             You pay 38% (to $150)
                              Otherwise, $48 copay           Otherwise, $96 copay

                                                                                            You pay 40% (to $200)
Specialty                        Not applicable                Not covered – use retail                                      Not covered – use retail
                                                                                               In-network only

Out-of-network cost basics (plus balance billing)
Annual deductible DED               $100 per person; $300 family maximum

Coinsurance (you pay)                             20% after DED                                    Not covered unless a true emergency.

Out-of-pocket maximum                   Single: $2,000 | Family: $6,000

Your per-paycheck (bi-weekly) cost for coverage
                                          Hawaii Plan (HMAA)                                    Puerto Rico plan (Triple-S Salud)
Associate Only                                        $5.66                                                         $27.82

Associate + Spouse                                    $75.65                                                        $67.82

Associate + Child(ren)                                $82.52                                                        $59.36

Associate + Family                                   $106.60                                                        $82.97

  Hawaii associates are automatically given the non-tobacco discount.

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Guide to benefits Your guide to the PSEB associate benefit programs for June 2020-May 2021 - psebllc.com
Your health

Choices for health care
Making smart healthcare choices helps you – and your wallet – feel healthy, secure, and supported.

Try virtual visits                                                         Outpatient imaging
Do you have a smart phone or tablet? Virtual visits allow you to           In most cases, imaging services (MRI, CT, and X-ray) can be done
get fast, convenient care with a board-certified physician – no            in outpatient centers that are not attached to a hospital.
matter where you are or what time it is.                                   Smaller buildings generally mean smaller bills – a big savings
                                                                           opportunity if you’re paying a percentage of the cost.
Virtual physicians can diagnose symptoms and prescribe
medications for minor health concerns. Use it when your
primary doctor is not available, if you’re sick while traveling, on        Go generic and save
nights and weekends, or when it’s inconvenient to leave home.
                                                                           Generic drugs are the non-brand-name, FDA-approved versions
Use virtual doctor visits for:                                             of their brand-name counterparts. They’re required to have the
                                                                           same active ingredients as the brand-name drug – but at a
•     Allergies                  •   Nausea                                fraction of the price.
•     Cold and flu               •   Rashes
•     Ear infections             •   Sinus infection                       Ask your doctor or pharmacist if a generic is a good option
•     Fever                      •   And more!                             for you.
•     Headache

                                                                           Save the emergency room for
Your source for virtual visits depends on your                             emergencies
medical plan:
                                                                           Unless loss of life or limb is imminent, consider using Urgent
    • Aetna: Teladoc.com/aetna                                             Care or a Virtual Visit to save money, time, and aggravation.
      Consider creating an account and providing your medical              If you have a true emergency – head injury, severe trauma,
      information once you get your medical ID card so care is             chest pain, allergic reaction, etc. – get care from your nearest
      available when you need it.                                          emergency room as quickly as possible. Coverage is the same
                                                                           in- and out-of-network for true emergencies
    • Kaiser California: Log into your Kaiser account for care or
      call 1-833-574-2273.
      website: https://kp.org/getcare

    • Kaiser Washington: Log into your Kaiser account for care
      or call 1-800-297-6877.
      website: https://kp.org/wa/getcare

    • HMAA Hawaii: Visit www.HiDocOnline.com or call
      1-844-423-6242.

    • Triple-S Salud Puerto Rico: Nurseline available through
      TeleConsulta at 1-800-255-4375 (not board-certified
      physicians).

Visit The Collective for more information about Virtual Visits.

                                                                      10
Your health

Dental
Dental coverage is a highly valued benefit, and for good reason! Good oral
health has been shown to enhance your mental and overall wellbeing, and
knowing that you’re covered should you need to see a dentist or specialist
for a big-ticket procedure is a big relief.
We offer you dental insurance through Aetna. This coverage is optional (like flossing!), so you must actively
elect the plan when you make your benefit selections in order to be covered.

For more information on dental coverage, visit the dental page on The Collective.

Coverage summary
                                                              Basic PPO                                  Enhanced PPO

                                                 In-network             Out-of-Network          In-Network            Out-of-Network

Plan year Deductible                            $100 per person          $100 per person       $50 per person           $50 per person
June - May                                    $300 max per family      $300 max per family   $150 max per family      $150 max per family

Plan year Maximum Benefit
                                               $1,000 per person        $1,000 per person    $2,000 per person        $2,000 per person
June - May

Dental network name                                    Dental PPO/PDN with PPO II                    Dental PPO/PDN with PPO II

Preventive Services                                                    100% covered (plus                             100% covered (plus
                                                100% covered                                   100% covered
Exams, cleanings, and X-rays                                             balance billing)                               balance billing)

Basic Services                                                          You pay 40% after                             You pay 20% after
                                                 You pay 40%                                 You pay 20% after
Fillings, root canals, extractions, oral                                 deductible (plus                              deductible (plus
                                                after deductible                                 deductible
surgery, endodontics, periodontics                                        balance billing)                             balance billing)

                                                                        You pay 60% after                             You pay 50% after
Major Services                                   You pay 60%                                   You pay 50%
                                                                         deductible (plus                              deductible (plus
Crowns, inlays/onlays, bridges and dentures     after deductible                              after deductible
                                                                          balance billing)                             balance billing)

Implants                                                       Not covered                            Covered as a Major Service

Orthodontics                                                                                  $50 lifetime deductible, then 50% coverage
                                                               Not covered
Child and adult                                                                                     $1,500 lifetime benefit maximum

Tip: If you choose to use a dentist who doesn’t participate in the Aetna dental network, your out-of-pocket costs will be higher and you
will be subject to balance billing.

Your per-paycheck (bi-weekly) cost for coverage
PSEB contributes to the cost of your dental coverage.
                                                Basic PPO                                            Enhanced PPO
Associate Only                                       $11.11                                                $20.01

Associate + Spouse                                 $22.23                                                  $40.04

Associate + Child(ren)                             $20.00                                                  $36.04

Associate + Family                                 $33.34                                                  $60.07

                                                                       11
Your health

Vision
Regular eye exams are an important part of health maintenance, no matter
your age. And if you or your family members wear glasses or contact lenses,
you already know that the cost of vision care can quickly add up. Not only
that, but regular eye examinations can detect general health problems at
their earliest stages.
We offer comprehensive vision coverage through VSP which provides you and your family with access to
great eye doctors, quality eyewear and affordable eye care. This plan is also optional; you’ll need to elect it
at enrollment to be covered.

Your costs will depend on the services you require and whether it is received in the Choice network.

Coverage summary
                                                                           In-Network                           Out-of-Network

 Exam                                                                         $10 copay                       $10 copay, then up to $45
 available once every 12 months                                           (exam + materials)                       reimbursement

 Lenses                                                       No charge after copay for basic lenses       Up to $30 - $65 reimbursement
 available once every 12 months                                   (add-ons may incur a charge)                   (based on lens type)

                                                                  Plan pays up to $200 retail,
 Frames
                                                                20% discount amounts over $200                Up to $70 reimbursement
 available once every 12 months
                                                                   $110 allowance at Costco

 Contact lenses
                                                               Fitting & Evaluation: up to $60 copay        Up to $105 reimbursement for
 available once every 12 months
                                                                     $200 allowance for lenses                  services and materials
 in lieu of lenses & frames

 Suncare benefit
                                                                 $200 allowance for ready-made non-prescription sunglasses after $10 copay
 in lieu of contacts or glasses

  For more information on vision coverage, visit the vision page on The Collective. To find
  an in-network provider in your area, search the Choice network at vsp.com.

Your per-paycheck (bi-weekly) cost for coverage
Associate Only                                     $3.87

Associate + Spouse                                 $6.33

Associate + Child(ren)                             $5.70

Associate + Family                                 $12.64

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Your money
Flexible Spending Accounts (FSA)
Our Flexible Spending Accounts (FSA) allow you to pay for eligible out-of-pocket expenses with
pre-tax dollars.

Health and Dependent Care                                                                         Commuter & Parking
Our Health and Dependent Care FSA options are administered through Navia Benefit                  You can pay for eligible parking and transit
Solutions. FSA elections must be made on the Navia website.                                       expenses through our Commuter Plan,
                                                                                                  administered through Navia Benefit
           Health Care FSA                              Dependent Care FSA                        Solutions. This plan runs on a monthly
                                                                                                  basis so you can stop, start, or change your
     Pay for qualified medical, pharmacy,                                                         contributions from month to month. Visit
                                                Pay for qualified child or elder care expenses.   the Navia website for more information.
         dental, and vision expenses.

                                                                                                     Maximum monthly contribution
All contributions to your FSA are tax free. If you don’t spend the money in your
account during the plan year (June - May), you will lose it. You cannot transfer money                          $270 per month
from one FSA to another.

Contribution limits                                                                               New for 2020: manage your commuter
                                                                                                  plan enrollment on the Navia website.
You tell us how much you want to save each pay check into your FSA, adding up to no
                                                                                                  Bellevue associates are eligible to either
more than the limits shown below. PSEB will not make contributions into your FSA.
                                                                                                  participate in the Commuter FSA or receive
                                                                                                  an ORCA Pass/on-site parking subsidy.
                                             Maximum plan year contributions

 Health Care FSA                                                $2,750

 Dependent Care FSA                         $5,000; $2,500 if married and filing separately

FSA elections do not roll over and must be made each
plan year.

  For more information on the FSA options available to you, visit the FSA page on
  The Collective or the Navia website.

                                                                          13
Your money

Life and AD&D insurance
While nothing can take away the pain of losing a loved one, life insurance can help to ease the
financial pressure on your family should something happen to you. Accidental Death and
Dismemberment (AD&D) insurance provides additional financial support if you are killed or
seriously injured as the result of an accident.

Basic coverage
PSEB provides you with life insurance and AD&D coverage through Cigna. Not sure what group you’re in?
Click the group numbers for definitions.

 Group 1                                                Groups 2 and 3
 $1,000,000                                             1x annual salary up to $250,000

This benefit is automatic for all eligible associates and provided at no cost to you. Be sure to verify your
beneficiary designation.

Additional life insurance
You have the option to purchase additional life insurance through Cigna for yourself, your spouse, and dependent child(ren). This year
only, elect up to the medical question limit with no medical questions or underwriting required (unless previously declined by Cigna).

                                              Associate                               Spouse                             Child

                                                                             Elect a flat dollar amount:
                                                                                                                   $5,000 or $10,000
                                                                          • $10,000        • $75,000             Coverage ends at age 26
 Increments                               Increments of $10,000
                                                                          • $25,000        • $100,000
                                                                          • $50,000        • 125,000           Under 6 months of age: $500

                                                                           100% of associate election to                $10,000
 Coverage maximum                               $500,000
                                                                             a maximum of $125,000               (under 6 months: $500)

 Medical question limit                         $250,000                              $50,000                        Not applicable

Your cost for coverage is dependent on your age and your coverage amount, and is paid through post-tax payroll deductions. You can
review your cost when you elect your coverage.

Additional AD&D insurance
Additional AD&D insurance is also available through Cigna. You can enroll yourself in the associate only plan or you can choose to
enroll yourself, your spouse and/or your dependent children.

                                              Associate                               Spouse                             Child

 Coverage options                        Increments of $100,000               Increments of $50,000                $5,000 or $10,000

                                           5x annual salary to a           100% of associate election to
 Coverage maximum                                                                                                       $10,000
                                          maximum of $500,000                a maximum of $250,000

                                                                     14
Your money

Disability insurance
Sometimes life throws you a curve ball and you may be
unable to work due to illness or injury. Disability
insurance is available to help meet your financial needs.

Disability benefits are available to eligible associates on the first day of the
month following 180 days of eligibility.

Short-term disability insurance
Applies to Groups 1, 2 and 3
PSEB provides you with short-term disability insurance through Cigna at no
cost to you.
 • Benefits begin after 7 days of inability to work due to a covered illness
   or injury
 • May pay 60% of your base pay, up to $1,500 per week
 • Up to 12 weeks of pay continuation
Depending on where you live/work, you may be entitled to a state disability
benefit. Benefits under this plan would be reduced by the benefit you receive
from your state.

Long-term disability insurance
Groups 1, 2, and Store Managers
PSEB provides you with long-term disability insurance through Cigna at no
cost to you.
 • Benefits begin after 90 days of inability to work due a covered disability.
 • May pay 60% of your base pay, up to:
     Group 1                               Group 2 and Store Managers
     $20,000 per month                     $12,000 per month
Payments may continue until you reach your Social Security Disability
Retirement Age if you remain unable to work. Certain exclusions, along
with any pre-existing condition limitations, may apply.

Group 3 (excluding Store Managers)
You may purchase long-term disability insurance through Cigna to
provide lasting income support if you are unable to work for an extended
period of time.
 • Benefits begin after 90 days of inability to work due to illness or injury
 • May pay 60% of your base pay, up to $5,000 per month
 • Payments may continue until you reach your Social Security Disability
   Retirement Age if you remain unable to work.
Certain limitations and exclusions, along with pre-existing condition
limitations, may apply.

   For more information on the disability options
   available to you, and what you’re eligible for, visit the
   disability insurance page on The Collective.

                                                                       15
Your money

Additional benefit options
401(k) Retirement Plan
PSEB continues to offer 401(k) to eligible associates. For more information, please visit The Collective.

Critical illness insurance
The expenses associated with a critical illness, such as a heart attack,
stroke or cancer, can be overwhelming. Even with a comprehensive medical
plan you may be hit with significant out-of-pocket expenses at an already
stressful time.
Critical illness insurance through Aetna pays out a cash benefit which you can use to help cover costs that
your medical plan doesn’t cover, like your deductible or out-of-pocket maximum, if you or a covered family
member experiences a covered critical illness such as heart attack, stroke, major organ failure, or cancer.
The cash benefit amount is $10,000 for you (associate). You may also elect to cover your spouse and
child(ren) – the available benefit is $5,000.
The insurance premiums are paid through post-tax payroll deductions; and are available when you enroll.
Your cost depends on the plan you choose, your age, your tobacco status, and who you cover.

Hospital indemnity insurance
PSEB offers access to hospital indemnity insurance through Aetna to help
you cover the costs of hospital admission, whether for planned or unplanned
reasons.
Hospital indemnity insurance pays you a cash benefit for medical and non-medical expenses related to a
covered inpatient hospital stay. You have two plan options; the difference is the admission benefit.

                                                Plan one                              Plan two

 Hospital admission                            $500 benefit                          $1,000 benefit

 Hospital stay                              $100 benefit per day                  $100 benefit per day

 Hospital stay (ICU)                        $200 benefit per day                  $200 benefit per day

 Newborn routine care                           $100 benefit                          $100 benefit

The insurance premiums are paid through post-tax payroll deductions; and are available when you enroll.
Your cost depends on the plan you choose and who you cover.

                                                                    16
Your money

Accident insurance
Accidents happen and can cause huge financial strain. Accident insurance
helps you cover the costs of an injury, giving you an extra level of financial
protection when you need it most.
The accidental injury insurance is provided through Aetna. In the event of an injury, this coverage will pay
out a cash benefit you can use to help cover your deductible, copays, emergency medical transportation
and more.

                                                   Plan one                           Plan two

 Ground ambulance                                 $300 benefit                       $300 benefit

 Initial treatment (ER/
                                                  $100 benefit                       $150 benefit
 Urgent Care/Office Visit)

 Fracture                                      Up to $2,750 benefit               Up to $4,125 benefit

 Surgery                                       Up to $1,000 benefit               Up to $1,500 benefit

The insurance premiums are paid through post-tax payroll deductions; and are available when you enroll.
Your cost depends on the plan you choose and who you cover.

Identity theft protection
Identity theft is a leading cause of financial loss. Protection through
InfoArmor can help you monitor your personal information and protect your
financial wellbeing.
PrivacyArmor, a service of InfoArmor, can monitor everything from your credit inquiries to your social
media accounts. This service is available for purchase with premiums paid through post-tax payroll
deductions.
Cost information is available at enrollment.

Legal services
Access to quality, prepaid legal services can give you peace of mind.
In-network providers who contract with MetLife Legal can provide you with legal advice and consultation
without additional costs. Available topics include money matters, home and real estate, personal issues,
estate planning, civil lawsuits, family or elder-care issues, and vehicle and driving matters.
Cost information is available at enrollment.

Associate discounts
As an associate of PSEB, you and your eligible dependents receive a discount of 30%-50% off full-priced
products at PacSun and Eddie Bauer. Log into the UltiPro homepage for up-to-date information.

                                                                      17
Your life
Employee Assistance Program (EAP)
Balancing the demands of work, home, family, finances, health and
wellbeing can be challenging at times. We want to make sure that when
issues do arise, you won’t have to face them alone.
As a member of Group 1, Group 2, or Group 3, you have access to our Employee Assistance Program
(EAP) run by Cigna. Our EAP is a confidential service, paid for by PSEB, offering you access to
experienced counselors who can help with stress, anxiety, drug and alcohol dependence, grief, loss
and more.
The Cigna EAP won’t cost you anything to use and any calls you make are confidential; no one at
PSEB will be informed of your call.
You or your family can reach a counselor by visiting www.cignalap.com or dialing 1-800-538-3543 – any
time of day or night. If necessary, you are provided with up to 3 face-to-face visits at no cost to you.

Our EAP can support you with                         Highlights
 • Family or relationship issues                       • Confidential
 • Stress                                              • Unlimited telephonic consultations
 • Substance abuse                                     • Up to 3 face-to-face visits at no cost
 • Identity theft                                      • Available 24/7
 • Adoption
 • Child and elder care
 • Education or work/life support
 • Legal or financial questions

                                                                    18
Important contacts
                       Benefit                                                  Benefit

                       Health

                                                         Aetna                                                            CVS Caremark
                                                                                Pharmacy
                       Medical                      www.Aetna.com                                           Specialty Rx: www.aetnaspecialtyrx.com
                                                                                Aetna plans
                                                    1-877-204-9186                                                      1-800-238-6279

                                                         Aetna                                                            Teladoc
                       Health Reimbursement                                     Virtual Doctor
Mainland US

                                                    www.Aetna.com                                                  www.Teladoc.com/aetna
                       Arrangement (HRA)                                        Aetna plans
                                                    1-877-204-9186                                                    1-855-835-2362

                                                    Kaiser (California)                                              Kaiser (Washington)
                       Medical                                                  Medical
                                                       www.kp.org                                                      www.kp.org/wa
                       Anaheim, CA Corporate                                    Bellevue, WA Corporate
                                                    1-800-464-4000                                                    1-888-901-4636

                       Virtual Doctor             www.kp.org/getcare            Virtual Doctor                     www.kp.org/wa/getcare
                       Kaiser California            1-833-574-2273              Kaiser Washington                    1-800-297-6877

                                                        HMAA                                                            Triple-S Salud
                       Medical                                                  Medical
                                                    www.hmaa.com                                                       www.ssspr.com
                       Hawaii                                                   Puerto Rico
Hawaii & Puerto Rico

                                                    1-800-621-6998                                                     1-800-981-3241

                                                       Optum Rx
                                                                                                                           Abarca
                       Pharmacy                www.hmaa.com/healthplans/        Pharmacy
                                                                                                                       www.ssspr.com
                       Hawaii                    prescription-plan-info/        Puerto Rico
                                                                                                                       1-800-981-3241
                                                    1-808-941-4622

                       Virtual Doctor            www.HiDocOnline.com            Virtual Visit (Nurseline)       Nurseline through TeleConsulta
                       Hawaii                      1-844-423-6242               Puerto Rico                            1-800-255-4375

                                                         Aetna                                                              VSP
                       Dental                       www.Aetna.com               Vision                                  www.VSP.com
                                                    1-877-204-9186                                                     1-800-877-7195

                       Money

                                                        Navia                                                               Cigna
                       Flexible Spending                                        Life and AD&D
                                                 www.naviabenefits.com                                                 www.cigna.com
                       Accounts                                                 insurance
                                                   1-800-669-3539                                                      1-800-362-4462

                                                         Cigna                  Critical illness                            Aetna
                       Disability insurance         www.cigna.com               Hospital indemnity                     www.aetna.com
                                                    1-800-362-4462              Accident                               1-800-607-3366

                                                       InfoArmor                                                        MetLife Legal
                       Identity theft
                                                www.myprivacyarmor.com          Legal Plan                           www.legalplans.com
                       protection
                                                    1-800-789-2720                                                    1-800-821-6400

                       Life

                                                         Cigna                                                              PSEB
                       Employee Assistance                                      PSEB Benefits
                                                   www.cignaLAP.com                                                 benefits@psebllc.com
                       Program (EAP)                                            Department
                                                    1-800-538-3543                                                   1-866-989-6958, #2

                                                                           19
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2021 Open Enrollment Guide

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