2018 USA Benefits Enrollment Guide GET READY! · 2018 USA Benefits Enrollment Guide Open Enrollment ... Open enrollment comes along every year but this year at ... All medical options

2018 USA Benefits Enrollment Guide

Open Enrollment for 2018 benefits is November 16 through December 7.

GET READY!

You must enroll in BenefitsNow to have coverage in 2018.

3 WHAT’S CHANGING FOR 2018

4 PREPARING FOR OPEN ENROLLMENT

6 YOUR 2018 BENEFIT OPTIONS

6 MEDICAL COVERAGE

12 HEALTH SAVINGS ACCOUNT (HSA)

13 FLEXIBLE SPENDING ACCOUNTS (FSAs)

15 VISION COVERAGE

16 DENTAL COVERAGE

17 LIFE INSURANCE

18 ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE

18 DISABILITY INSURANCE

19 EMPLOYEE ASSISTANCE PROGRAM

19 COMMUTER BENEFIT

19 HOSPITAL INDEMNITY INSURANCE

20 CRITICAL ILLNESS INSURANCE

20 LEGAL SERVICES

21 PET INSURANCE

21 AUTO AND HOME INSURANCE

22 ENROLLMENT

23 RESOURCES & PLAN CONTACT INFORMATION

2

CONTENTS

Because all new medical plan options are being offered for 2018, you must complete enrollment in the BenefitsNow benefits system in order to have medical coverage next year.

BenefitsNow will be available for open enrollment beginning November 16.

YOU MUST ENROLL!

IMPORTANT INFORMATION FOR THIS ENROLLMENT

Open enrollment comes along every year but this year at Genesys, things are different; the start of something new. Several new benefit options and vendors give each of us the opportunity to take a fresh look and choose benefits that work for us in 2018.

In keeping with our new start, this year’s enrollment is an ACTIVE enrollment, which means all employees MUST enroll to have coverage in 2018. Here are a few 2018 benefit highlights:

• All New 2018 Medical Plan Options. Four all-new UnitedHealthcare (UHC) medical plan options will be offered for 2018, replacing all 2017 options. These will be the only four options available to Genesys employees, with one exception; employees in California will continue to have Kaiser HMO as a fifth option.

• Salary-Based Employee Medical Premiums. Beginning in 2018, your contribution toward the cost of medical coverage will be based on your annual salary in effect on November 1, as well as the medical plan and coverage level you select. Your rates will remain in effect for all of 2018 unless you have a family status change.

• 2018 Dental Plan Administrator. Anthem will be our dental provider in 2018. You will have two dental plan options from which to choose.

• Increase in Long-Term Disability Benefit. Beginning in 2018, the long-term disability benefit will replace 66 2/3% of your annual base salary instead of the current 60%. LTD coverage is provided at no cost to you.

See the coverage highlights beginning on page 7 of this guide for a summary of the 2018 UnitedHealthcare medical plans. See page 10 for 2018 medical premiums and page 16 for 2018 dental premiums.

3

WHAT’S CHANGING FOR 2018

Because of the significant changes to the 2018 benefit options, all employees must actively enroll this year. If you do not actively enroll during open enrollment, you and your currently covered dependents will NOT have medical, dental or vision coverage in 2018.

Make sure you go to the new BenefitsNow enrollment site (accessed via www.mygenesysbenefits.com) between November 16 and December 7 to select the benefits that are right for you and your family.

YOU MUST ACTIVELY ENROLL THIS YEAR

4

PREPARING FOR OPEN ENROLLMENT

Be sure to compare Genesys’ benefits with any other coverage you may have — such as through your spouse’s employer.

HELPFUL TIP!

UNDERSTANDING THE BASICS

Before you enroll, it is important to get ready by understanding some of the basics. Start thinking about your family’s anticipated health care needs for 2018. Then spend a few minutes with the online tools at www.mygenesysbenefits.com, and see how easy it is to get the right mix of benefits and coverage for you and your family. You could even save yourself some money!

And remember, because the medical plan options are new for 2018, you must actively enroll if you want medical coverage in 2018.

See What Happens if I Don’t Enroll on page 5 for more details.

WHO CAN GET IN?

To be eligible for the benefits in this guide, you must work 20 hours or more per week. Elections made during open enrollment are effective January 1, 2018.

You can also cover certain dependents under medical, dental and vision coverage. Eligible dependents include your:

• Spouse or domestic partner; and

• Child(ren) up to age 26, including those of your domestic partner.

COVERAGE LEVELS

The cost of medical, dental and vision coverage is based on the following levels:

• Employee Only• Employee + Spouse or Domestic Partner• Employee + Child(ren)• Employee + Family

5

PREPARING FOR OPEN ENROLLMENT

After open enrollment ends, you cannot change your coverage in 2018 unless you have a qualified change in employment or family status.

IMPORTANT REMINDER!

WHEN THINGS CHANGE

The benefits you choose will be effective through the end of 2018. You cannot make changes to your coverage during 2018 unless you have a qualified change in employment or family status, which includes:

• Marriage, legal separation, divorce or termination of a domestic partnership;

• Birth, legal adoption of a child or placement of a child with you for legal adoption;

• Death of your spouse, domestic partner or dependent child;

• Change in residence (only if your current coverage isn’t available in the new location or if you are offered a plan that you were not previously offered);

• Return from unpaid Leave of Absence (LOA), resulting in gain of eligibility;

• Return from paid Family and Medical Leave Act (FMLA) leave;

• Change in employee work schedule, resulting in gain of employee benefit coverage;

• Termination of employment resulting in eligibility for COBRA coverage; or

• Loss of other coverage (e.g., through spouse or domestic partner due to termination of employment, change in status, death of spouse or domestic partner).

After a qualifying change in status occurs, you have 31 days to make any updates by using the BenefitsNow website.

WHAT HAPPENS IF I DON’T ENROLL?

Because of the significant changes to the 2018 benefit options, all employees must actively enroll this year to have 2018 coverage under the following benefits:

• Medical• Dental• Vision

If you do not actively enroll during open enrollment, you and your currently covered dependents will NOT have medical, dental or vision coverage in 2018.

If you do not actively enroll, you will also not be enrolled in the tax-saving flexible spending accounts. Those elections cannot be carried over to 2018. You must also actively enroll in voluntary HSA contributions during open enrollment in order for those contributions to begin effective January 1, 2018.

Make sure you go to BenefitsNow beginning November 16 to select the benefits that are right for you and your family.

6

YOUR 2018 BENEFIT OPTIONS

MEDICAL COVERAGE

We realize that, for many employees, medical coverage is the most important benefit we offer. To ensure you have a good range of options, we are offering all new UHC medical plans this year.

You have the following four UnitedHealthcare (UHC) medical coverage options for 2018:

• UnitedHealthcare High Deductible Health Plan (HDHP) Plan 1



• UnitedHealthcare Preferred Provider Organization (PPO) Plan

All medical options include prescription drug benefits. You do not need to make a separate prescription drug election.

See the coverage highlights beginning on page 7 of this guide for a summary of the 2018 medical options.

ALL THE PLANS COVER PREVENTIVE CARE AT 100%!

REGIONAL OPTIONS FOR 2018

In addition to the four UHC medical plans, employees in California also continue to have the Kaiser HMO as a fifth option.

Other regional options will not be offered in 2018. If you are covered under a regional option other than the Kaiser HMO in California, you must select among the four new UHC plans for 2018.

All four UnitedHealthcare medical plan options offer in-network benefits when you use doctors and other providers who participate in the designated UHC network. For employees in California, the plans use the UHC Select Plus network. In all other locations, the plans use the UHC Choice Plus network.

To find a network provider, click on the link above and then click on Find Physician, Laboratory or Facility under Links and Tools. Then click on All UnitedHealthcare Plans and choose Select Plus or Choice Plus from the list of UHC networks.

UHC NETWORK

http://www.myuhc.com

http://www.myuhc.com

7


MEDICAL COVERAGE HIGHLIGHTS

2018 UnitedHealthcare (UHC) HDHP Options

HDHP PLAN 1 HDHP PLAN 2 HDHP PLAN 3

IN-NETWORK OUT-OF-NETWORK* IN-NETWORK OUT-OF-NETWORK* IN-NETWORK OUT-OF-NETWORK*

Deductible $2,000 individual / $2,700 family

$2,000 individual / $4,000 family





Type of Family Deductible

Aggregate (see page 12) Embedded (see page 12) Aggregate (see page 12)

HSA Funds by Genesys **

$750 individual / $1,500 family $750 individual / $1,500 family $750 individual / $1,500 family

Out-of-Pocket Maximum ***

$4,000 individual $6,550 family



$4,000 individual $8,00 0 family



Preventive Care $0; deductible waived

Not covered $0; deductible waived


Not covered

Includes all Preventive Care

Services required by health care reform.

Includes all Preventive Care

Services required by health care reform.

Includes all Preventive Care Services required by health

care reform.

Primary Care Physician Office Visit

you pay 20% after deductible






Specialist Office Visit you pay 20% after deductible






Urgent Care (Physician Services)







Hospital Medical Services







Outpatient Surgery you pay 20% after deductible






Emergency Room you pay 20% after deductible you pay 0% after deductible you pay 10% after deductible

Pharmacy

Preventive Immunizations administered by a retail pharmacy

$0; deductible waived

Not covered you pay 0% after deductible


Not covered

Female oral contraceptives generic and single source brand

$0; deductible waived

Not covered you pay 0% after deductible

Not covered You pay 10% after deductible

Not covered

Tier 1 you pay 20% after deductible

you pay 20% after deductible plus any

network cost difference****




You pay 10% after deductible





















Mail Order Pharmacy


N/A you pay 0% after deductible

N/A You pay 10% after deductible

N/A

* Out-of-network coverage is based on the maximum allowed amount determined by UHC. You may pay more out of pocket for providers that are not in the UHC network (Select Plus in CA; Choice Plus in all other locations).

** If you elect any UHC HDHP Plan (Plan 1, 2 or 3), Genesys will fund your HSA up to $750 for individuals and $1,500 for you and any additional dependent coverage annually. Funding is done quarterly and is based on your date of hire.

*** Out-of-pocket maximum includes calendar year deductible, coinsurance and prescription drug maximum allowed amounts. Non-covered expenses do not apply towards the out-of-pocket maximum.

**** If you use an out-of-network pharmacy, you pay the copay (after meeting the deductible) plus any difference between the in-network and out-of-network cost of your prescription.

2018 UnitedHealthcare (UHC) PPO Plan

IN-NETWORK OUT-OF-NETWORK*

Deductible None None

Out-of-Pocket Maximum** $5,000 individual $10,000 family


Preventive Care You pay $0 Not covered

Includes all Preventive Care Services required by health care reform

Not covered


$20 copay you pay 50%

Specialist Office Visit $20 copay you pay 50%

Urgent Care Physician Services $50 copay you pay 50%

Hospital Medical Services you pay 30% you pay 50%***

Outpatient Surgery you pay 30% you pay 50%***

Emergency Room you pay 30%

Pharmacy

Preventive Immunizations administered by a retail pharmacy

$0 Not covered

Female oral contraceptives generic and single source brand

$0 Not covered

Tier 1 $8 copay $8 copay plus any network cost difference****



Mail Order Tier 1: $20 copayTier 2: $75 copay

Tier 3: $125 copay


8

MEDICAL COVERAGE HIGHLIGHTS continued:

* Out-of-network coverage is based on the maximum allowed amount determined by UHC. You may pay more out-of-pocket for providers that are not in the UHC network. (Select Plus in California; Choice Plus in all other locations.)

** Non-covered expenses do not apply to the out of pocket maximum. *** Prior authorization is required for certain services. Please contact UHC with any questions. **** If you use an out-of-network pharmacy, you pay the copay plus any difference between the in-network and out-of-

network cost of your prescription.

Under the UnitedHealthcare medical plans, benefits for specialty drugs are paid like other prescription medications — under Tier 1, Tier 2 or Tier 3. However, because of the high cost and complexity of these drugs, they are managed by UHC’s OptumRx Specialty Designated Pharmacy Program.

For more information see the OptumRx Specialty Designated Pharmacy Program flyer on the Resources page on www.mygenesysbenefits.com.

A NOTE ABOUT TIER 4 SPECIALTY DRUGS


9

MEDICAL COVERAGE HIGHLIGHTS continued:

If you have a question about your benefits, you and your family members have access to free and trusted healthcare professionals who are knowledgeable about benefits, medical bills, your health, research treatment options and how to navigate the health care system.

Call the Advocacy toll-free number at (866) 279-0495. Representatives are available 24/7 Monday through Friday, excluding holidays. You can also visit http:// aonhewittadvocacy.com and click Get Help to submit your questions at any time. Non-critical issues will be responded to within 48 hours.

There is no cost to you or your dependents and family members to use this service

ADVOCACY PROGRAM

* Out-of-pocket maximum includes copays except for prescription drug copays. ** $100 copay waived if admitted.

2018 Kaiser HMO Option

Available in CA only

IN-NETWORK ONLY

Deductible None

Out-of-Pocket Maximum* $1,500 individual/$3,000 family

Preventive Care $0

Includes all Preventive Care Services required by health care reform.


$15 copay

Specialist Office Visit $15 copay

Urgent Care Physician Services

$15 copay

Hospital Medical Services $0

Outpatient Surgery $15 copay per procedure

Emergency Room $100 copay**

Pharmacy

Preventive Immunizations administered by a retail pharmacy $0

Female oral contraceptives generic and single source brand $0

Tier 1 Generic (includes diabetic supplies)

$15 copay for up to 100 days supply

Tier 2 Brand Formulary $30 copay for up to 100 days supply

Tier 3 Brand Non-Formulary N/A

Specialty $30 copay for up to 30 days supply

FORMULARIES

To view a list of drugs that have been approved by your insurance company, go to the Resources page on www.mygenesysbenefits.com.

10

EMPLOYEE PREMIUMS PER PAY PERIOD (SEMI-MONTHLY)

Beginning in 2018, employee premiums for medical coverage will be based on your annual salary, as well as the plan and coverage level you select.

2018 Employee Premiums (Semi-Monthly)Annual Salary

Under $70,000Annual Salary

$70,000–$150,000Annual Salary

Over $150,000

UnitedHealthcare HDHP Plan 1

Employee Only $17.50 $22.50 $27.50

Employee + Spouse/Domestic Partner $90.00 $95.00 $100.00

Employee + Child(ren) $72.50 $77.50 $82.50

Employee + Family $132.50 $137.50 $142.50


Employee Only $22.50 $27.50 $32.50



Employee + Family $145.00 $150.00 $155.00


Employee Only $32.50 $37.50 $42.50



Employee + Family $157.50 $172.50 $187.50

UnitedHealthcare PPO Plan

Employee Only $95.00 $105.00 $115.00



Employee + Family $310.00 $325.00 $340.00

Kaiser HMO

Employee Only $30.00 $37.50 $45.00



Employee + Family $135.00 $145.00 $155.00



11

COVERAGE FOR DOMESTIC PARTNERS

Domestic Partner coverage is available in the U.S. medical, dental and vision plans. The employee contributes the same amount toward the medical, dental and/or vision premium for his or her Domestic Partner as other employees do for spouse coverage; however, pretax contributions under IRC Section 125 are not available, so the premium deductions for domestic partners are made on a post-tax basis.

Additionally, per the IRS, the value of the premium for the Domestic Partner coverage in excess of the employee’s contribution is treated as wages (taxable income) and is subject to federal and state withholding. Visit the Resources page on www.mygenesysbenefits.com for 2018 Domestic Partner Monthly Imputed Income rates.

UNDERSTANDING YOUR MEDICAL OPTIONS

The 2018 UnitedHealthcare (UHC) medical options include two types of medical plans: High Deductible Health Plan (HDHP) and Preferred Provider Organization (PPO). There are some important similarities and differences between them:

• The UHC HDHP plans offer comprehensive medical coverage similar to a PPO, including 100% coverage of preventive care services. All three HDHP plans have a lower semi-monthly premium than the PPO option, which means you will pay less for coverage out of each paycheck. The premium is lower because the HDHP plans each require you to pay a deductible before the plan begins paying a portion of your expenses (excluding preventive care). To help you pay the deductible, as well as other out-of-pocket medical, dental and vision expenses, all three HDHP plans include a Health Savings Account (HSA) to which Genesys makes contributions and you may also contribute. Any HSA money you don’t spend in the current year stays in your account and can be used in future years, even if you retire or leave Genesys.

• The UHC PPO plan covers the same types of medical treatments and services as the HDHP plans, but does not require you to meet a deductible before the plan begins to pay. Because the PPO plan pays more of your medical expenses right away, the semi-monthly premium for this coverage is higher. As with the HDHP plans, the PPO pays a higher portion of your expenses when you use doctors, specialists and other medical providers who are in the UHC network (SelectPlus in California; Choice Plus in all other locations).

• The Kaiser HMO is available to employees in California in addition to the four UnitedHealthcare plans. HMOs feature a network of doctors, hospitals and other health care providers that have agreed to offer services to plan participants at discounted rates. With an HMO, you can find comprehensive medical care all under one roof, with most locations offering pharmacy, lab and x-ray services. However, you only receive benefits if you get care in the HMO network, except in the case of an emergency. There are no out-of-network benefits.


12

If you enroll in UHC medical or Anthem dental coverage for 2018, you will receive a new ID card. If you need identification prior to receiving your card:

• An electronic medical ID card is available through the UHC Health4Me app.

• For dental plan identification, call Anthem at (877) 567-1804 or visit the Anthem member website (instructions on www.mygenesysbenefits.com Resources page)

YOUR 2018 ID CARDS

HEALTH SAVINGS ACCOUNT (HSA)

Genesys is committed to your financial wellness and offers a number of benefits that help you meet the expenses that life throws at you. If you elect coverage under one of the UHC HDHP medical plans you can set up a Health Savings Account (HSA) and use the money in it to pay your out-of-pocket expenses, like deductibles and coinsurance.

Where does the money in your HSA come from? It starts with a contribution from Genesys. For 2018, Genesys will contribute up to $750 to your HSA if you cover yourself only or up to $1,500 if you cover yourself and any dependents. One fourth of the annual Genesys contribution is deposited in your HSA each calendar quarter. Then, if you choose, you can also contribute money to your HSA each paycheck (see page 14 for the annual IRS contribution limits).

EMBEDDED VS. AGGREGATE FAMILY DEDUCTIBLE: UNDERSTANDING THE DIFFERENCE

If you are considering enrolling yourself and your covered dependents in one of the HDHP medical plans, it is important that you understand how the family deductible works under each of the options. As shown in the highlights chart on page 7, HDHP Plans 1 and 3 have an “aggregate” family deductible, while HDHP Plan 2 has an “embedded” plan deductible.

Embedded Family Deductible: If one covered family member has enough expenses in a given year to meet the individual deductible, the plan will begin paying a portion of that family member’s expenses for the remainder of the year. You do not have to meet the full family deductible before the plan begins to pay.

Aggregate Family Deductible: The full family deductible must be met before the plan begins to pay a portion of expenses for any covered family members.

The UHC PPO Plan and the Kaiser HMO Plan both have $0 annual deductibles.

TRANSITION ASSISTANCE

Transition of Care gives new UnitedHealthcare members the option to request extended coverage from their current, out-of-network health care professional at network rates for a limited time due to a specific medical condition until the safe transfer to a network health care professional can be arranged. Examples of conditions that may qualify for a Transition of Care extension include pregnancy, newborn care, cancer, organ transplant and recent major surgeries. See the UHC Transition of Care Brochure and Application on the www.mygenesysbenefits.com Resources page for more information.

If you need help understanding or applying for Transition of Care, call the Advocacy toll-free number at (866) 279-0495. Representatives are available 24/7 Monday through Friday, excluding holidays.


13

* HSA contributions are subject to state taxes in CA, AL and NJ. Please consult with your financial or tax advisor for more information.

HEALTH SAVINGS ACCOUNT (HSA) Continued…

Once you have established $1,000 in your HSA, you can choose to invest all or a portion in mutual funds to help your HSA grow. You may also roll money from a prior HSA into your current HSA.

There are a few other things you should know about your HSA. First, the money in your HSA is always yours. You keep any money left over at the end of the year, no matter what, and your HSA goes with you even if you change health plans or jobs. And your HSA has triple tax benefits – you pay no tax on the way in, interest earned is tax-free and you pay no tax when you withdraw your funds to use on eligible expenses*.

How your HDHP Medical Plan and HSA work together to save you money

UHC HDHP Medical Plan

• Provides 100% preventive care and protects you from big medical bills.

• Annual funding from Genesys.

• Optional pretax contributions from you.

• Withdraw money tax-free to help pay your deductible and other expenses.

• Rolls over year to year and goes with you if you leave Genesys.

The Health Care FSA is not available to UHC HDHP Plan participants. Instead, you will use your HSA to pay for eligible health care expenses. If you choose, you may enroll in the Limited Purpose FSA to pay for dental and vision expenses only.

NOTE ABOUT THE FSA

As permitted under federal law, up to $500 in unused funds in your Health Care FSA or Limited Purpose FSA can be carried over each year. Carryover is not permitted for the Dependent Care FSA — any unused funds in that account must be forfeited. You have until March 31 each year to submit for reimbursement any expenses incurred during the previous calendar year (January 1 – December 31).

IMPORTANT REMINDER!

FLEXIBLE SPENDING ACCOUNTS (FSAs)

There are three types of FSAs that offer you a tax-free way to pay for everyday services and products you need:

• Health Care FSA (Not available to UHC HDHP Plan participants) — Use pretax dollars to pay for eligible expenses, including medical, dental and vision deductibles, copays and coinsurance; prescriptions; health care products such as cough drops and bandages; glasses, contacts or LASIK surgery.

• Limited Purpose FSA (Available only to UHC HDHP Plan Participants) — This account works as a supplement to the HSA by allowing participants to use pretax dollars to pay for out-of-pocket dental and vision expenses only.

• Dependent Care FSA (Available to all) — Use pretax dollars to pay for eligible dependent care expenses that allow you to get care for your dependents while you work, such as day care.

To learn more about how FSAs and HSAs work — and see examples of how they can help you — go to www.mygenesysbenefits.com.

High Deductible Insurance

Health Savings Account

(HSA)


14

COMPARING YOUR CHOICES

The chart below offers a comparison of the three account types.

Use your WageWorks Health Care Card instead of cash to pay for HSA and FSA eligible health care expenses, including:

• Eligible expenses at health care providers and select pharmacies;

• Eligible over-the-counter (OTC) non-drug items at general merchandise stores (including most drugstores) that have an industry standard (IIAS) inventory and checkout system; and

• Prescribed OTC drugs at the pharmacy counter, as long as the drug is dispensed as a valid prescription.

If you use your card at a health care provider or at a pharmacy that does not have an IIAS system, WageWorks will likely require that you submit a receipt or your health insurance explanation of benefits (EOB) to verify that the transaction was for an eligible health expense.

USE YOUR WAGEWORKS CARE CARD TO PAY FOR EXPENSES

WAGEWORKS HELPS YOU MANAGE YOUR ACCOUNTS

Whether you have an HSA or a FSA, WageWorks will administer your account. Note that if you are enrolled in an HDHP Plan with an HSA, federal regulations only allow you to participate in a Limited Purpose FSA. The regular Health Care FSAs are only available to those with the Kaiser HMO or UnitedHealthcare PPO (or if you decline medical coverage). HSAs are only available to those with a UnitedHealthcare HDHP Plan. To learn more about WageWorks, go to www.wageworks.com.

Although WageWorks will administer HSA accounts, note that BNY Mellon Bank will actually handle your money. Once you are enrolled on BenefitsNow, you will need to go to the WageWorks website to finish your enrollment.

HEALTH CARE FLEXIBLE SPENDING ACCOUNT (FSA)

LIMITED PURPOSE FLEXIBLE SPENDING ACCOUNT (FSA)

HEALTH SAVINGS ACCOUNT (HSA)

Which medical plan can I have with this account?

Kaiser HMO and UHC PPO (or if you decline medical coverage)

UHC HDHP Plans(Plan 1, Plan 2 and Plan 3)

UHC HDHP Plans(Plan 1, Plan 2 and Plan 3)

How it works You set aside your own money in this account to pay for current eligible medical, prescription drug, dental and vision expenses—and save on taxes.

You set aside your own money in this account to pay for current dental and vision expenses only—and save on taxes.

You and Genesys set aside money in this account to pay for eligible medical, prescription drug, dental and vision expenses—and save on taxes.

Do I have to enroll separately?

Yes. If you want to participate in the Health Care FSA, you must enroll each year.

Yes. If you want to participate in the Limited Purpose FSA, you must enroll each year.

Yes. If you want to contribute to an HSA, you must enroll each year.

Who contributes and how much?

You. You decide how much to contribute to your Health Care FSA—from $50 to $2,650 per year. Your contributions are automatically deducted from each paycheck on a pretax basis.

You. You decide how much to contribute to your Limited Purpose FSA—from $50 to $2,650 per year. Your contributions are automatically deducted from each paycheck on a pretax basis.

You and Genesys. You decide how much to contribute to your Health Savings Account—up to $3,450 if you are single and $6,900 if you have family coverage (plus an additional $1,000 in catch-up contributions if you are 55 or older). These annual contribution limits include both Genesys and employee contributions. Your contributions are automatically deducted from each paycheck on a pretax basis.

What expenses are covered?(For a complete list of eligible expenses, see the summary plan description.)

Eligible expenses include: > Medical copays, deductibles,

coinsurance (for services covered by the medical plan)

> Dental and orthodontic care > Vision care > Other health care expenses

not covered by company medical plans

Eligible expenses include dental (including orthodontia) and vision care expenses only.

Eligible expenses include: > Medical copays, deductibles,

coinsurance (for services covered by the medical plan)

> Dental and orthodontic care > Vision care > Other health care expenses not

covered by company medical plans

Does my account carry over from year to year?

Up to $500 in unused funds in your Health Care FSA can be carried over each year.

Up to $500 in unused funds in your Limited Purpose FSA can be carried over each year.

Yes


15

VISION COVERAGE

Genesys provides two vision plans to offer you a range of coverage options. The benefits shown below are for the in-network benefit you receive when you use the VSP network of vision specialists. Both plans also provide limited benefits for out-of-network services. Complete plan details, including out-of-network benefits, are available at www.mygenesysbenefits.com.

IN-NETWORK VISION COVERAGE HIGHLIGHTS

These benefits are available when you use VSP vision providers.

EMPLOYEE PREMIUMS PER PAY PERIOD (SEMI-MONTHLY)

No ID cards are issued for the vision plan. To find a network eye doctor, visit www.vsp.com.

NOTE ABOUT THE VISION PLAN

BENEFIT VSP CORE PLAN VSP BUY-UP PLAN

WellVision Exam $10 copay $10 copay

Prescription Glasses* $25 copay $10 copay

• Frame $150 allowance per person ($170 for featured frames)

+ 20% discount over allowanceor $80 allowance at Costco

$200 allowance per person ($220 for featured brands)

+ 20% discount over allowanceor $110 allowance at Costco

• Lenses Included in Prescription GlassesSingle vision, lined bifocal, and lined trifocal lenses

Polycarbonate lenses for dependent children

• Lens Options $50 - $160 copay, depending on lens type(standard progressive, premium progressive, custom progressive)

Contacts (instead of glasses)* $0 copay$130 allowance per person for contacts and contact lens exam (fitting and evaluation)

$0 copay$200 allowance per person for contacts and

contact lens exam (fitting and evaluation)

Diabetic Eyecare Plus Program $20 copayServices related to

Type 1 and Type 2 diabetes

Extra Savings and Discounts Glasses and Sunglasses: 30% off additional glasses and sunglasses, including lens options, from the same VSP doctor on the same day as your WellVision exam. Or get 20% off from any

VSP doctor within 12 months of your last WellVision Exam.

Laser Vision Correction: Average 15% off the regular price or 5% off the promotional price of laser vision correction; discounts available from contracted facilities.

VISION OPTIONS EMPLOYEE ONLY

EMPLOYEE + SPOUSE OR DOMESTIC PARTNER

EMPLOYEE + CHILD(REN)

EMPLOYEE + FAMILY

VSP Core Plan $0.00 $0.50 $0.50 $0.50

VSP Buy-Up Plan $4.30 $6.84 $6.98 $11.25

* Both vision plans provide benefits for prescription glasses or contact lenses once each calendar year. The VSP Buy-Up Plan also provides benefits for a second pair of prescription glasses or contact lenses each year, subject to the same copays and allowances. For more details, see the Vision Plan Benefit Summaries on the Resources page.


16

DENTAL COVERAGE

We are pleased to partner with Anthem to administer our two dental plans for 2018. As detailed in the chart below, both plans let you visit any licensed dentist or specialist you choose. However, you may save by using Anthem dental network providers who have agreed to negotiated rates.

DENTAL COVERAGE HIGHLIGHTS

EMPLOYEE PREMIUMS PER PAY PERIOD (SEMI MONTHLY)

* Out-of-network coverage is based on the maximum allowed amount determined by Anthem. You may pay more out of pocket for providers that are not in the Anthem network.

Dental Standard Dental Enhanced

ANTHEM ANTHEM

IN-NETWORK OUT-OF-NETWORK* IN-NETWORK OUT-OF-NETWORK*

Annual Deductible $50 individual / $100 family None

Annual Benefit Maximum $1,500 per person $2,250 per person

Orthodontic Lifetime Benefit Maximum $1,500 per person $1,750 per person

Deductible Waived for Diagnosic/Preventive Services

Yes Yes N/A N/A

Out-of-Network Reimbursement 80% 80%

Dental Services Anthem Pays: Anthem Pays: Anthem Pays: Anthem Pays:

Diagnostic and Preventive Services 100% Coinsurance 100% Coinsurance 100% Coinsurance 100% Coinsurance > Periodic oral exam

> Teeth cleaning (prophylaxis) > Bitewing X-rays: 1 per calendar year > Intraoral X-rays

Basic Services 80% Coinsurance 80% Coinsurance 80% Coinsurance 80% Coinsurance > Fillings

Basic or Major Services 50% Coinsurance 50% Coinsurance 80% Coinsurance 80% Coinsurance > Crowns > Prosthodotics (e.g. dentures,

bridges, dental implants) > Prosthetic repairs / adjustments > Endodontics (e.g.: root canal) > Periodontics (e.g.: scaling and

root planing)

Oral Surgery 80% Coinsurance 80% Coinsurance 80% Coinsurance 80% Coinsurance

Orthodontic Services 50% Coinsurance 50% Coinsurance 50% Coinsurance 50% Coinsurance

Adults and dependent children

DENTAL OPTIONS EMPLOYEE ONLY EMPLOYEE + SPOUSE OR DOMESTIC PARTNER

EMPLOYEE + CHILD(REN)

EMPLOYEE + FAMILY

Anthem Standard Dental $4.00 $11.50 $11.00 $18.50

Anthem Enhanced Dental $8.00 $19.50 $18.50 $31.00


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LIFE INSURANCE

If eligible, you will automatically receive basic life insurance coverage in the amount of two times your annual base salary. Your life insurance is administered by CIGNA.

RATES

Cash Accumulation Fund (CAF) In addition to purchasing supplemental life insurance, you have the option to contribute money to the Cash Accumulation Fund through convenient payroll deduction. The net cash value you build will earn interest (minimum 4%) that is tax-deferred in most cases, and your funds can be used to pay for future premiums or expenses such as buying a house, paying for college, retirement and more.

OPTIONAL GROUP UNIVERSAL LIFE (GUL) INSURANCE

The Group Universal Life plan combines the protection of supplemental life insurance with the option to build additional savings through a cash accumulation fund (CAF). If you are eligible for basic life insurance, you may purchase coverage through the GUL plan.You may apply for the following types of life insurance at any time:

• Employee: You can purchase up to five times your annual compensation (up to the next higher $1,000 or $2,000,000 maximum) in coverage for yourself.

• Spouse/Domestic Partner: You can purchase coverage for your spouse or domestic partner in an amount of up to 50 percent of the amount of insurance you elect for yourself (in increments of $10,000 up to a maximum $100,000). See rates below.

• Child(ren): You can purchase $5,000 or $10,000 in coverage for your child(ren) up to age 19 or 24 if a full-time student. Rates are based on the amount of insurance purchased.

You will be required to answer the health questionnaire during online enrollment through the CIGNA trusted advisor website: www.genesys.cignatrustedadvisor.com. If you are not a new hire, evidence of insurability is required for any coverage amount greater than two times your annual compensation, or $500,000. The GUL coverage helps ensure that your life insurance keeps pace with your changing financial needs. If you elect GUL coverage, it will automatically increase each April 1 without you having to change your enrollment. You may opt out of this feature by calling CIGNA at (800) 828–3485.

* Your GUL rate will increase if you move into a new age band in 2018.

GUL LIFE INSURANCE RATES: EMPLOYEE

AGE BAND* SMOKER NON-SMOKER

< 30 $0.060 $0.043

30-34 $0.068 $0.043

35 - 39 $0.085 $0.068

40 - 44 $0.136 $0.094

45 - 49 $0.238 $0.162

50 - 54 $0.408 $0.272

55 - 59 $0.578 $0.408

60 - 64 $0.918 $0.689

65 - 69 $1.496 $1.139

70 - 74 $2.457 $2.117

75 - 79 $3.613 $2.958

80 - 84 $5.823 $4.616

85 - 89 $8.925 $7.293

90 - 94 $12.750 $10.523

95 - 99 $17.250 $14.238

Child Rates

$0.20 Per $1,000

If you have elected voluntary life insurance through UNUM, your current level of coverage will be transitioned to the Genesys GUL plan for 2018. Details are included in a letter mailed to your home. If you have questions, contact the Cigna Customer Service Center at (800) 828-3485.

IF YOU HAVE UNUM VOLUNTARY LIFE INSURANCE


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DISABILITY INSURANCE

Genesys provides basic short-term and long-term disability insurance at no cost to you.

• Short-Term Salary Continuance — If you become sick or injured away from work, and can’t work because of the illness or injury, the company is looking out for you. If you’re eligible for short-term salary continuance benefits, your first five days off are covered as sick time. After you’ve been out of work for seven calendar days and have been deemed unable to work by a qualified physician, the salary continuance plan begins to cover 100% of your annual base salary, stepping down to 70% after eight weeks. These benefits last for up to 26 weeks, including the seven calendar day waiting period. Genesys pays the full cost of this benefit.

• Long-Term Disability — Not all illnesses or injuries will be healed within six months. If a qualified illness or injury prevents you from working for more than 26 weeks, basic long-term disability coverage will continue to replace 66 2/3% percent of your annual base salary, up to a maximum benefit of $15,000 a month, at no cost. Genesys pays the full cost of this benefit.

ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE

In addition to life insurance, the company protects you and your loved ones with free insurance coverage that pays a benefit if you die or are dismembered in an accident. Genesys automatically provides you with coverage of two times your annual base salary (up to $1,500,000) at no cost to you. AD&D insurance is administered by CIGNA.

OPTIONAL AD&D INSURANCE

You have the option to elect supplemental AD&D coverage for yourself and your dependents. You have two options for supplemental coverage:

• Employee Only • Employee + Family

If you elect coverage for yourself only, supplemental AD&D pays a benefit in addition to the company-paid benefit. You can choose to purchase coverage for increments of $25,000, up to $500,000. If you elect the Employee + Family option, your spouse or domestic partner and/or child(ren) will be covered under this election, but the rates may vary.

RATES

Beginning in 2018, the long-term disability benefit will replace 66 2/3% of your annual base salary instead of the current 60%.

INCREASED LTD BENEFIT

PLAN RATE

Optional AD&D $0.013 Per $1,000

If your family depends on you and your income, you will want to be sure they have enough savings if something happens to you. Protect your loved ones by designating your beneficiaries — the people who will get paid your life insurance and AD&D benefit if you die. Log on to BenefitsNow to designate your beneficiaries. Be sure to have names, birth dates and Social Security Numbers.

PROTECT THE ONES YOU LOVE, DESIGNATE YOUR BENEFICIARIES


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EMPLOYEE ASSISTANCE PROGRAM

The Optum EAP, provided through UnitedHealthcare, offers confidential information, support and referral services to help you be productive and handle day-to-day challenges. EAP services are available to you and your family at no additional cost. There are eight (8) face-to-face counseling visits per issue, per year offered to employees and household members. To learn more about some of the issues the EAP can help you address, go to www.mygenesysbenefits.com. You can contact the Optum EAP by calling (866) 248-4094 or by visiting www.liveandworkwell.com (access code: genesystele).

COMMUTER BENEFIT

Genesys employees may elect to set aside money on a pretax basis from their paycheck for the cost of commuting to work on mass transit, and/or for the cost of eligible parking. The program allows you to spend up to the maximum limits permitted by the IRS – currently $260 per month (pretax) for mass transit and up to $260 per month (pretax) for parking. Enrollment and reimbursements are managed by WageWorks.

Employees may enroll in the plan online at www.wageworks.com at any time. Enrollment for transit must occur by the 10th of the month prior to the month you plan to use your pass. For example, passes to be used in the month of February must be purchased online by January 10th. Transit expenses cannot be reimbursed. All reimbursement claims for parking must be prepaid and submitted to WageWorks within 180 days of the date in which the expense was incurred.

HOSPITAL INDEMNITY INSURANCE

Even a minor trip to the hospital can present you with unexpected expenses. Aflac Hospital Indemnity Insurance provides cash benefits while you are in the hospital, to help you pay out-of-pocket expenses health insurance was never intended to cover. Examples may include expenses like transportation and meals for family members, help with childcare, or time away for work.

The plan pays you a cash benefit of:

• $1,000 when you or a covered family member is first admitted to the hospital for a covered accident or sickness.

• $100 a day while you remain in the hospital — up to 180 days.

• $100 a day in hospital intensive care — up to 30 days.

Hospital Indemnity benefits are currently not considered income and are not taxable. Employees pay the full cost of this voluntary benefit. For more information about the Aflac Hospital Indemnity Insurance, go to www.mygenesysbenefits.com.


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CRITICAL ILLNESS INSURANCE

The Aflac Group Critical Illness Plan helps prepare you and your family for the added costs of battling a critical illness. The plan pays a lump sum cash benefit upon initial diagnosis of a covered critical illness:

• Heart Attack, Stroke and Coronary Artery Disease

• End-Stage Renal (Kidney) Failure

• Major Organ Transplant

• Invasive and Non-Invasive Cancer (Carcinoma In Situ)

• Skin Cancer

Employee benefit amounts are available from $5,000 to $50,000. You will be required to answer questions about your health for amounts greater than $40,000. Spouse coverage is also available in benefit amounts up to $25,000. When you purchase coverage for yourself through payroll deduction, children under age 26 are covered at no additional cost. Employees pay the full cost of this voluntary benefit. A Critical Illness Benefit of $10,000 or greater is considered income and is taxable.

You can link to MetLife and AFLAC provider websites for cost information when you are enrolling in BenefitsNow.

EMPLOYEES PAY THE FULL COST OF VOLUNTARY BENEFITS.

LEGAL SERVICES

The LegalZoom LifePlan™, which is replacing the MetLaw plan for 2018, provides integrated legal, financial, tax and insurance services to help members confidently navigate the major and daily life events their families face including marriage, home purchase, childbirth, retirement and end-of-life planning.

The plan cost is $13.10 per month, and your payment will be made through payroll deduction. Additional information can be found on the LegalZoom website at www.legalzoom.com.


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PET INSURANCE

You want the best for your pet. And while it’s hard to anticipate accidents and illnesses, MetLife’s veterinary pet insurance makes it a little easier to be prepared for them. From wellness care to significant medical incidents, veterinary pet insurance is the smart way to protect your pet’s health — and your pocketbook. Here are a few examples of what the insurance covers:

• Tests and X-rays• Prescriptions• Surgeries and Hospitalization

To use your pet insurance, you simply pay for your pet’s treatment at the time of service, then fax or mail the easy-to-use claim form along with your receipts. After meeting your policy’s deductible, you’ll be reimbursed according to your plan’s benefit schedule.

AUTO & HOME INSURANCE

MetLife Auto & Home’s group insurance program is available to you as a voluntary benefit. As part of the program, you have access to value-added features and benefits on auto and home insurance, as well as a variety of other insurance policies. The program also offers significant potential savings and special group discounts:

• Special group discounts and additional discounts for paying through payroll deduction

• Extra savings for long-service Genesys employees

• Access to additional types of insurance coverage including personal excess liability, boat, condo, renter’s, motor home, recreational vehicle and motorcycle.

Additional information about MetLife Auto & Home Insurance and Pet Insurance can be found at www.metlife.com/mybenefits.

MORE INFORMATION

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ENROLLMENT

Step 1: LOG ON TO BENEFITSNOW AND GET STARTED

You can access the BenefitsNow website from anywhere you have Internet access, 24 hours a day, 7 days a week. To access the BenefitsNow website, click here or visit https://genesys.benefitsnow.com.

If this is your first time accessing the system, select Are you a new user? and follow the prompts to create your username and password. When you are ready to enroll, select Enroll Now on the right side of the home page, or select Enroll in the Action Needed box at the top of the home page.

The BenefitsNow enrollment site will be available for open enrollment beginning November 16. Before you enroll, make sure you have the names, birth dates and Social Security Numbers of any eligible family members you want to enroll or any individuals you want to list as beneficiaries.

If you have a question or issue that cannot be resolved through the BenefitsNow website, contact Your Benefits Service Center:

• Call (844) 868-6230

• Email by clicking Contact Us in BenefitsNow

• Chat with a representative online by clicking Chat in BenefitsNow

QUESTIONS?Step 2: REVIEW YOUR PERSONAL INFORMATION

It is important that you review all of the personal information in the system. If you have updates to your personal email address or mobile phone number, you can make those changes right in the system. If you see other information that needs to be updated, send an email to [email protected]. When you have verified all of the information click Save and Continue.

Step 3: ENROLL OR CHANGE YOUR BENEFIT ELECTION

If you have previously made benefit elections in the BenefitsNow system, you will see your current elections, as well as available benefits for 2018. If this is your first time in the system, you will see only the available 2018 benefits. Note that the default election for most 2018 benefits, including medical, is “no coverage” – you must actively enroll to be covered by these benefits in 2018.

To make your elections, you can use the Take Me Through Each Benefit button, or you can select individual benefits by using the View/Change button. When you are done selecting your benefits, click Complete Enrollment.

Step 4: PRINT A COPY OF YOUR CONFIRMATION STATEMENT

Once you have completed your enrollment, you will land on the Confirmation page. where you can print a paper copy of the screen for your records. If you want to make a change, just log back on to BenefitsNow anytime before the end of Open Enrollment and complete the above enrollment steps.

https://genesys.benefitsnow.com

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RESOURCES & PLAN CONTACT INFORMATION

PLAN CONTACT INFORMATION

These providers have online tools and information to help you with everything from choosing your benefits to getting and staying healthy.

WE WANT TO HELP!

• For general questions, contact [email protected].

• For online enrollment questions and general plan information, contact Your Benefits Service Center at (844) 868-6230.

• For Transition of Care assistance, contact the Advocacy Program at (866) 279-0495.

BENEFIT PLAN PROVIDER TOLL-FREE MEMBER SERVICES NUMBER

WEBSITE

Medical UnitedHealthcare PPO (866) 844-4864 www.myuhc.com

UnitedHealthcare HDHP Plans (866) 734-7670 www.myuhc.com

Kaiser Permanente (800) 464-4000 www.kp.org

Health Savings Account/Flexible Spending Accounts

WageWorks (877) 924-3967 www.wageworks.com

Advocacy Program AON Hewitt (866) 279-0495 http://aonhewittadvocacy.com

Dental Anthem (877) 567-1804 www.anthem.com/ca

Vision Vision Service Plan (VSP) (800) 877-7195 www.vsp.com

Commuter Benefits WageWorks (877) 924-3967 www.wageworks.com

Life Insurance Cigna (800) 828-3485 www.genesys.cignatrustedadvisor.com

Disability Cigna To open a claim or inquire about an open claim, call (800) 36-CIGNA.

General questions can be sent to [email protected]

EAP UnitedHealthcare (Optum) (866) 248-4094 www.liveandworkwell.com (access code: genesystele)

Critical Illness Aflac (800) 433-3036 www.aflacatwork.com

Hospital Indemnity Aflac (800) 433-3036 www.aflacatwork.com

LegalZoom LifePlan LegalZoom (888) 556-0888 www.legalzoom.com

Auto & Home Insurance MetLife (800) 438-6388 www.metlife.com/mybenefits

Pet Insurance MetLife (800) 438-6388 www.metlife.com/mybenefits

401(k) Retirement Plan Fidelity (800) 835-5097 www.401k.com

Disclaimer: This guide describes the benefit plans offered by Genesys. This guide is not intended to be a Summary Plan Description. If there are any inconsistencies between this guide and the terms of the benefit plan documents, the actual plan documents will govern in all cases. Genesys reserves the right to change, amend or end any benefit plans at any time for any reason, subject to certain restrictions set forth in the plan documents.

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NOTES

Documents

2018 USA Benefits Enrollment Guide GET READY! · 2018 USA Benefits Enrollment Guide Open Enrollment ... Open enrollment comes along every year but this year at ... All medical options