OPEN ENROLLMENT - viewer.zmags.com

Total Rewards.Total You.

WELCOME YOUR HEALTH YOUR WEALTHYOUR TOTAL WELL-BEING YOUR SUPPORT

Learn what’s new Medical, dental, vision Disability, life, savings Programs for the Total You Enroll and key contacts

2022 FMCNA BENEFITSOPEN ENROLLMENT

NOVEMBER 6 – NOVEMBER 19, 2021


Dear Colleagues,

In recent employee surveys, you told us there was more to do to improve our benefits for you and your dependents. And we listened. We’ve taken action to make our benefits choices in 2022 more affordable, flexible, and inclusive, and to help you manage the stress we all face in these unprecedented times.

Next year, FMCNA will take on a significantly larger share of the total cost of your benefits to help you manage the rising costs of healthcare and to keep premium rates the same. FMCNA will spend over $500 million on benefits in 2022.

We’re introducing new and expanded benefits that provide you more flexibility to make your life simpler, additional tools to help with your mental health, broader support to address your diverse needs, and easier access to information about what we have to offer.

Please spend some time carefully reviewing our benefits inside this guide and on FMC4ME so you can make the best choices for you and your family.

This year, Open Enrollment is mandatory — your benefits will NOT roll over. You MUST take action between November 6 and November 19 for medical, dental, vision, supplemental life, disability, and voluntary coverage, as well as make elections for Flexible Spending and Health Savings Accounts for 2022.

If you have any questions about this year’s Benefits Open Enrollment or accessing benefits information online, please contact the Employee Service Center at 855-362-6247.

Regards,

Brian Silva Chief Human Resources Officer and Senior Vice President, Administration Fresenius Medical Care North America

WELCOME

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Key dates to know:

What benefits do you qualify for?Full-time, benefits eligible employees (30-40 hours/week)

Part-time, benefits eligible employees (17.5-29 hours/week)

Eligible dependents

Note: Employees covered under a collective bargaining agreement may not be eligible for all benefits mentioned in this Benefits Magazine.

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October 25, 2021:

• Virtual Benefits Fair begins, join us at FMCNAvirtualbenefitsfair.com

November 6 – 19, 2021:

• Open Enrollment for 2022 benefits

• Virtual Benefits Fair

• Verify newly covered dependents

January 1, 2022:

• New coverage begins

• Program enhancements take effect

• Check your benefit plan ID cards

January 14, 2022:

• Review your January paycheck to confirm new rates, FSA, and HSA deductions are reflected correctly

March 31, 2022:

• FSA 2021 claim deadline

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Download the Total Rewards app:All your benefits and well-being resources are in one place to support the Total YOU! Download the app at fmcnatotalrewardsapp.com and single sign on with your FMCNA Employee ID and password.

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It’s YOUR Time to Choose

Open Enrollment is mandatoryMost of your benefits will not carry over from this year. If you want to newly enroll in benefits, keep your existing benefits, or make any adjustments, you MUST take action and enroll. Don’t miss out!

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Plan estimator and decision support:Utilize our BeneFITwise Decision Support Tool (click on Plan Estimator Tool, bottom left hand of webpage), which asks questions and recommends the best-fit healthcare option for you. Call 855-362-6247, Option 1, anytime from 8:30 a.m. to 8:00 p.m. ET, Monday through Friday. Or, visit fmcnabenefits.com to make an appointment with our benefits educators from November 6 through November 14.

This is your chance to choose the benefits that will work best for you in 2022 and learn about resources to support the Total You at work and at home. Don’t miss out on opportunities to save on healthcare costs and to explore the wide range of support we provide you and your family.

2022 Highlights You wanted benefits costs to be more affordable and flexible. We

are taking on a larger share of the costs to keep your rates the same.

There are NO PREMIUM INCREASES for our UnitedHealthcare medical, dental, vision, life insurance, or disability plans for 2022.

Consumer with HRA Plan premiums are being lowered to $10 per paycheck for Employee, $20 for Employee + 1, and $30 for Family coverage. Families may have an opportunity to save up to $5,800 in payroll contributions just by switching from the Standard Plan!

– Employees who make $50,000/year (or $24.04/hour), or less, as of October 1, 2021, can access FMCNA funded HRA dollars right away.

– Check out the BeneFITwise Decision Support Tool to answer a few questions, find your best fit healthcare option, and determine your savings.

Expert second opinion medical advice with 2nd.MD will be available at no cost for UHC members.

Free remote physical therapy guidance through SWORD for UHC members.

We’ve expanded our UHC $150 fitness reimbursement to include virtual exercise programs, fitness devices, and apps.

You wanted more mental health support and resources.

Eliminated in-network office copays and lower coinsurance for all behavioral health visits.

Increased free counseling, from three to six sessions, per life event, through our Employee Assistance Program, with ComPsych.

New virtual cognitive behavioral therapy counseling through myStrength.

Outreach from AbleTo to eligible UHC members for virtual behavioral coaching and personalized therapy.

You wanted benefit changes to meet diverse needs.

More fertility and family building support through UHC medical, with coverage for all couples.

Bright Horizons will offer discounts and waitlist priority for daycare centers, tutor assistance, a college coaching program, and more, including Sittercity, a database of support for kids, pets, and others.

UHC has expanded coverage for gender affirming care and cancer support, including gender reversal, egg preservation, and increased allowances for items like wigs.

We’ve added surrogacy assistance of up to $4,000 per child.

Life moves fast and so do you — FMCNA benefits have gone digital.

Join us at FMCNAvirtualbenefitsfair.com from October 25 to November 19 to learn about your benefits, take a well-being break, or chat one-on-one with vendor partners.

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YOUR HEALTHMedical, dental, vision

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YOUR HEALTHMedical Plan Options

Overview of Medical PlansWe offer you four national medical plan choices through UnitedHealthcare (UHC). You may be eligible for other health plans, like HMO coverage, depending on your home ZIP code.

• Health Saver with Health Savings Account (HSA) Plan

• Standard Plan

• Premium Plan

• Consumer with Health Reimbursement Account (HRA) Plan

• Enhanced for 2022, with a $10 paycheck cost for Employee, $20 for Employee + 1, and $30 for Family coverage (a reduction from 2021 rates)

• View Regional and HMO plans

In order to determine which plan(s) you’re eligible for, visit the Employee Service Center, or the ESC. When you log in with your Employee ID, the site will populate your personalized plan options.

When you stay in-network, all four UHC plan choices:

Give you access to UHC’s nationwide network of doctors, specialists, and hospitals.

Have an out-of-pocket maximum, which “caps” the amount you could pay for services in a year.

Offer free virtual visits from the comfort of your home through Amwell, Doctor on Demand, Teladoc, and Optum Virtual Care. Only $49 through the Health Saver with HSA Plan.

Earn up to $250 annually for participating in Health Actions through Rally Health, our digital wellness program.

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Expanded UHC coverage and support:

• Expert second opinion through 2nd.MD connects you with board-certified doctors via video or phone, to make sure you have the right treatment plan for surgeries, chronic conditions, or any new diagnosis. Note that consultations are required for members prior to certain procedures, like musculoskeletal surgeries, knee replacements, or spinal surgeries. Coordinate your surgery with UHC Advocate4Me.

• Free virtual physical therapy through SWORD to get support for reducing your back, knee, shoulder, and other musculoskeletal pains. You will be connected with a physical therapist who will assign exercises and monitor completion of your personalized physical therapy program by using special digital tools.

• Expanded coverage for gender affirming care and cancer support, including gender reversal, egg preservation, and increased allowances for items like wigs.

• Enhanced fertility coverage for all couples. Receive personalized guidance to empower decisions, find quality care, and navigate family building coverage. Note that you must enroll in the UHC fertility program to receive support for fertility services.

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Medical plan comparison chart2022 UnitedHealthcare Medical Plan Options

In-Network Services Health Saver with HSA Plan Consumer with HRA Plan Standard Plan Premium Plan

Bi-Weekly Paycheck Cost* employee employee + 1 family

$30.25 $56.05 $115.39

$10.00 $20.00 $30.00

$78.01 $167.75 $251.34

$152.44 $339.82 $514.37

Annual Deductible in-network

$3,350 individual $6,900 family** (includes medical and prescription drug costs)

$2,000 individual $4,000 family*** (includes only medical costs)

$450 individual $1,350 family*** (includes only medical costs)

$400 individual $1,200 family*** (includes only medical costs)

Annual Out-of-Pocket Maximum in-network includes medical and prescription drug costs

$6,600 individual $13,500 family**

$6,600 individual $13,500 family***



Wellness Incentive up to $250 for participating in Rally Included Included Included Included

Healthcare Savings Accounts HSA (You contribute)HRA $500 Employee/$1,000 Employee + 1 or Family**** (FMCNA contributes)

None None

Healthcare Flexible Spending Accounts Limited Purpose FSA (You contribute)

Healthcare FSA (You contribute)



Preventive Care 100% 100% 100% 100%

Non-Preventive Office Visits 10% after deductible 20% after deductible $35 copay $30 copay

Behavioral Health Office Visits 100% covered after deductible 10% after deductible $0 copay $0 copay

Livongo Diabetes Management free meters, strips, lancets, and support Included Included Included Included

Telehealth (virtual visits) medical and behavioral health visits

100% covered after deductible ($49/visit before deductible) $0 copay $0 copay $0 copay

Urgent Care 10% after deductible 20% after deductible $50 copay $50 copay

Inpatient Services 10% after deductible 20% after deductible $400 copay/admission; then 20% after deductible

$400 copay/admission; then 10% after deductible

Outpatient Surgery 10% after deductible 20% after deductible 20% after deductible 10% after deductible

X-Rays and Labs preventive non-preventive

100% covered 10% after deductible




Emergency Room 10% after deductible 20% after deductible $300 copay $300 copay

* Employees who are tobacco users will be assessed a per pay period surcharge of $20 in addition to the bi-weekly rates listed. Employees who elect to cover a working spouse/domestic partner who is eligible for group medical through an employer will be assessed a per pay period surcharge of $50 in addition to the bi-weekly rates listed.

** Aggregate: If you cover other family members, you’ll need to collectively meet the entire family deductible before you and the plan begin to share in costs. You will also need to collectively meet the entire family out-of-pocket maximum before the plan will pay 100% of costs for covered services for the rest of the year.

*** Embedded: If you cover other family members, each person will be subject to a deductible and out-of-pocket maximum equal to the plan’s individual deductible and out-of-pocket maximum. For example, a family of four with the Consumer with HRA Plan pays $4,000 in deductibles for two or more family members expenses (not 4x the $2,000 individual deductible).

****HRA Details: For more details, please see page 12.

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For out-of-network costs, please refer to your Summary Plan Descriptions found on the ESC.


Earn Money with Rally Health

It’s easy to earn rewards for your healthcare needs with Rally Health. There are two ways to participate:

UHC-enrolled employees can earn up to $250 dollars, along with Rally Coins, through a variety of activities for taking healthy actions. Family members may also participate and can earn Rally Coins. Visit Rally Health on the ESC for details.

Non UHC-enrolled, benefits-eligible employees can earn Rally Coins by participating in one of five activities.

Review the charts on the next two pages and choose the activities that work for your life.

FMCNA Offers Prizes! All benefits-eligible employees, regardless of UHC healthcare coverage, are eligible for FMCNA prizes and sweepstakes winnings. Enter to win fun prizes like camping gear, vacations (up to $2,500), gift cards, and more!

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Activities UHC Employees Earn Dollars* Limits Description

Health Survey $25 Complete once • Online 10-minute survey assisting with Health Age • Based on answers suggests well-being Missions

Annual Exam or Preventive Cancer Screening $100 Complete one

• Annual Physical Exam/Prenatal Visit • Cervical/Mammogram/Prostate Exam • Colorectal Cancer Screening (colonoscopy, fecal occult, flex sigmoid)

Personal Health Action: Wellness Coaching or Disease Management

$100 Complete one • Work with a Wellness Coach to improve sleep, stress, nutrition, exercise, etc. • Engage in a Disease Management Program for personal support for disease or condition

Virtual Visits: Medical or Behavioral Health $25 each visit Max 2x • Promotes the convenient use of virtually meeting a provider without having to go to urgent care or the doctor’s

office for certain non-emergent illnesses/injuries

Health Cost Estimator $25 Complete once • Find and compare costs for different procedures such as MRI’s, surgeries and hospitals

Rally Missions $75 Complete three • Over 50+ Missions to choose to help build healthy habits and improve fitness, diet, mood, and social connections

Livongo Diabetes Program

Activation = $25

Additional $50 for 5 blood glucose checks/per month

Max 3x

• Diabetes management program provides a free smart meter unlimited test strips, and coaching with Certified Diabetes Educators

• Complete five blood glucose checks per month to earn your rewards

Real Appeal Receive a success kit after your first session

Earn $100

Complete 9 sessions

• Lifestyle transformation program focusing on healthy weight loss and building healthy habits around eating, drinking, sleeping, and exercise habits with coaching and resources all along the way

New: Rally Private Challenges (FMCNA-sponsored) $25 Max 3x • Challenges to push and engage you in healthy, competitive activities with others in the FMCNA Rally community

New: Rally Quizzes $25 Included

• Health Quizzes are an education and engagement tool aimed at teaching you about health and rewarding you for learning. Find these Health Quizzes under the Employer Rewards section of Rally

• There are over 12+ Health Quizzes to choose from to test knowledge on topics such as nutrition, sleep, stress, emotional health and more

• Quizzes are 10 minutes or less

New: COVID Vaccine $100 Max 1x • Complete an online attestation about your COVID-19 vaccination

Total $250 Annual Max. UHC reimbursements are paid, and reflected in your paycheck, in April, July, October, and December. Visit the ESC for details.

*Please note: UHC-enrolled employees earn dollars, and also the Standard Coin Contribution per activity.

UHC Enrolled Employees – Rally Activities Chart

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Activities Benefits-Eligible Employees Limits Description

Health Survey 250 coins Complete once • Online 10-minute survey assisting with Health Age • Based on answers suggests well-being Missions

Rally Missions 750 coins Complete three • Over 50+ Missions to choose to help build healthy habits and improve fitness, diet, mood, and social connections

Rally Private Challenges (FMCNA-sponsored) 250 coins Max 3x • Challenges to push and engage you in healthy, competitive activities with others in the FMCNA

Rally community

New: Rally Quizzes 250 coins Max 3x

• Health Quizzes are an education and engagement tool aimed at teaching you about health and rewarding you for learning. Find these Health Quizzes under the Employer Rewards section of Rally

• There are over 12+ Health Quizzes to choose from to test knowledge on topics such as nutrition, sleep, stress, emotional health and more

• Quizzes are 10 minutes or less

New: COVID Vaccine 1,000 coins Max 1x • Complete an online attestation about your COVID-19 vaccination

Total 2,500 Max. Redeem prizes on Rally’s website.

Non-UHC Enrolled, Benefits – Eligible Employees

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Prescription DrugsThe UHC medical plans include prescription drug coverage through Express Scripts. To fill your prescriptions, visit a participating pharmacy (including major retailers such as CVS, Walgreens, Walmart, and Target). Visit Express Scripts for a listing of participating pharmacies near you.

The preferred drug list contains those most effective for treatment and cost.

Express Scripts for UHC Medical Plan Choices

Your In-Network Costs Health Saver with HSA Plan Consumer with HRA Plan Standard Plan Premium Plan

Retail Pharmacies (30-day supply) generic formulary non-formulary

$35 after deductible $60 after deductible $135 after deductible

$35 $60 $135

$35 $60 $135

$30 $60 $110

CVS/Walgreens/Mail-Order (90-day supply) generic formulary non-formulary

$70 after deductible $150 after deductible $400 after deductible

$70 $150 $400

$70 $150 $400

$60 $120 $300

Specialty Medications $275 after deductible $275/script $275/script $275/script

Please note: Preventive Drugs under Healthcare Reform are covered at 100%.

New! Dispense as Written: Generic drugs are available at lower costs and with the same benefits as many brands you may see advertised. If you specify that a drug must be dispensed with the brand name in place of an available generic, you will pay the difference in cost between the brand name drug and the generic equivalent.

Smart90 Program: When you get a 90-day supply of a prescription medication through Smart90 at CVS, Walgreens, or by mail-order, it saves you time and money (since you can save up to the cost of a copay).

Diabetes Assistance: We’re committed to bringing down the cost of insulin products. Through the Patient Assurance Program, eligible members will pay no more than $25 per 30-day supply.

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Health Savings and Reimbursement Accounts

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Health Reimbursement Account (HRA)Enroll in the Consumer with HRA Plan to save with the FMCNA Funded Health Reimbursement Account (HRA). HRA dollars will roll over if not used, up to a maximum of $2,000.

Health Savings Account (HSA)Enroll in the Health Saver with HSA Plan to contribute to a Health Savings Account. A Health Savings Account is a tax-advantaged saving and spending account, so you can use the money to pay for eligible medical, dental, and vision expenses, as well as other eligible expenses, like long-term care coverage. You can also save the money for the future. Unused amounts roll over year-to-year, and you always own your account. Your Health Savings Account is administered by Optum Bank.

Tax-free money goes in!

Tax-free earnings on your savings!

Tax-free money when you take it out for qualified expenses or in retirement

Which account am I eligible for?If you elect the…

Health Saver Plan — you are eligible to contribute to a Health Savings Account.

Consumer Plan — you will automatically have a Health Reimbursement Account provided by FMCNA.

Employee coverage: Makes $50,000 annually or $24.04/hour OR LESS

Your 2022 Medical Bills $3,000 $1,500 $750

FMCNA provided $500 HRA* ($500) ($500) ($500)

Employee Responsibility:

Toward annual deductible ($2,000) $2,000 $1,500 $750

20% coinsurance after deductible $200 $0 $0

Total Employee Pays

(Deductible after HRA + 20% Coinsurance) $1,700 $1,000 $250

New for Consumer with HRA Plan! For employees making $50,000/year (or $24.04/hour) or less, as of October 1, 2021, the HRA funds will cover care and services even before you need to pay your deductible. It stays in effect the whole plan year for 2022, despite any changes to salary throughout the year.

Employee coverage: Makes MORE THAN $50,000 annually or $24.04/hour

Your 2022 Medical Bills $3,000 $1,500 $750

Employee Responsibility:

Toward annual deductible ($2,000) $2,000 $1,500 $750

20% coinsurance after deductible $200 $0 $0

FMCNA provided $500 HRA, after $1,500 access point* ($500) n/a n/a

Total Employee Pays

(Deductible + 20% Coinsurance – HRA, if eligible) $1,700 $1,500 $750

HRA Roll-over into 2023 n/a ($500) ($500)

* If you have HRA rollover dollars from prior years, those dollars will be added to the HRA dollars in 2022.

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Which Plan Is Right for You?

These examples are for illustrative purposes only and may not reflect every individual situation. Please refer to the Summary Plan Descriptions and the Benefits Summaries on the ESC for more information about the plans.

Meet Emily

Health Snapshot• Emily is 32 years old with a salary of $48,000 per year, she elects

Employee coverage.

• Emily experiences low moods and sees a behavioral health specialist to manage her depression with a daily medication.

• Otherwise, Emily is generally healthy and utilizes preventive care to keep well.

Best-Fit Plan Choice: Consumer with HRA Plan

P By choosing the Consumer with HRA Plan, Emily will save $5,755 in annual premium costs and pay $2,048 less in total healthcare costs than the Standard Plan.

P She accesses the HRA contribution immediately, before her deductible, because her salary is less than $50,000 annually.

P She participates in Rally Health to earn her $250 in Wellness incentives to offset even more costs.

Consumer with

HRA

Plan choice

Learn how Emily’s coverage would compare under each medical choice.

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Which Plan Is Right for You? (continued)


Meet Zhang

Health Snapshot• Zhang is 44 years old with a salary of $78,000 per year, he elects

Employee coverage.

• Zhang has high blood pressure and manages it with an ongoing medication; Zhang plans to get his generic prescriptions through Smart90 to save on costs.

• Zhang experiences anxiety and plans to utilize Sanvello’s mobile app daily, otherwise he is generally healthy.

Best-Fit Plan Choice: Health Saver with HSA Plan

P� By choosing the Health Saver with HSA Plan, Zhang pays $203 less in total healthcare costs than the Consumer with HRA Plan.

P� He can contribute to his HSA and use that to offset the cost of care; he contributes $750/year.

P� He participates in Rally Health to earn his $250 in Wellness incentives to offset even more costs.

Heath Saver with

HSA

Learn how Zhang’s coverage would compare under each medical choice.

Plan choice

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Which Plan Is Right for You? (continued)


Meet Amy

Health Snapshot• Amy is 48 years old with a salary of $84,000 per year, she elects

Family coverage.

• Amy has back pain and utilizes the free SWORD program for at-home virtual physical therapy and care.

• Amy has two children and anticipates a few appointments each for them, although they are generally healthy.

Best-Fit Plan Choice: Consumer with HRA Plan

P� By choosing the Consumer with HRA Plan, Amy will save $5,755 in annual premium costs and pay a $6,260 less in total healthcare costs compared to the Standard Plan.

P� She will be able to use the HRA to offset a portion of her deductible.

Plan choice

Video: Deciding which plan to choose can be overwhelming. Take a break! Enjoy this 10-minute mindfulness de-stress.

Learn how Amy’s coverage would compare under each medical choice.

Consumer with

HRA

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Dental Plan Options

MetLife Value PPO Plan MetLife Premium PPO Plan AetnaDMO Plan

In-Network Out-of-Network In-Network Out-of-Network In-Network Only Coverage

Bi-Weekly Paycheck Cost employee employee +1 family

$9.47 $18.93 $28.39

$11.27 $22.53 $33.81

$7.46 $14.92 $24.35

Deductible employee family

$50 $150

$50 $150

No deductible

Preventive Care 100% coverage 80% coverage* 100% coverage 80% coverage* 100% coverage

Restorative Services* basic: fillings, extractions

major: bridges, crowns, dentures

80% coverage

50% coverage

60% coverage

50% coverage

80% coverage

60% coverage

60% coverage

50% coverage

100% coverage

60% coverage

Orthodontia Adult & Child lifetime maximum N/A N/A 60% coverage

$1,500 maximum50% coverage $1,500 maximum

$2,000 co-pay No maximum

Annual Benefit Maximum $1,500 maximum $2,400 maximum No maximum

*For these services, you must meet the deductible before coverage starts.

We offer three dental plan options for you and your family:

• MetLife PPO Value Plan

• MetLife PPO Premium Plan

• Aetna DMO Plan

All dental plans cover a full range of services with different provider networks. Consider the coverage you want for 2022 and ensure your dentist is in-network. (Out-of-network coverage is available under both MetLife plans, but not under the Aetna plan.)

If your ZIP code eligibility has changed, the dental options available for 2022 may be different than last year. We encourage all employees to review their eligibility to ensure your dental plan is still an option for 2022, and elect what works best for you.

Video: Dental care design just for you by Aetna.

Video: Dental insurance overview by MetLife.

Reminder: It’s important to visit your vendor’s website to ensure your providers are in-network. Aetna offers limited out-of-network benefits in all states except CA, AZ, TX, NJ, OK, and NH. Please note that Aetna is not offered in all FMCNA locations.

Did you know? Orthodontia coverage for adults and children is available as part of the MetLife PPO Premium Plan and Aetna DMO Plan.

Please note: You may not receive an ID card for your dental plan. To access your dental plan details, visit your providers website, or visit the ESC.

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Vision Plan Options

VSP Choice Plan

In-Network Out-of-Network Reimbursement

Bi-Weekly Paycheck Cost employee employee +1 family

$2.75 $5.49 $8.21

$2.75 $5.49 $8.21

Exams

WellVision Exam (Once every calendar year) $0 copay Up to $45

Diabetic Eyecare Plus retinal screening for diabetics* $0 copay

See vsp.com for your geographically based maximum allowance

Prescription Glasses

Frames (Once every other calendar year) Visionworks frame featured frame brands

$20 copay/$130 allowance $180 allowance $180 allowance

Up to $70

Lenses (Once every calendar year) single vision lined bifocal lined trifocal standard progressives

Covered in fullUp to $30 Up to $50 Up to $65 Up to $50

Lens Enhancements scratch-resistant coating impact-resistant lenses UV protection and tints

premium progressive lenses custom progressive lenses

Covered in full

$95 – $105 copay $150 – $175 copay

Not covered

Contacts

Contact Exam (fitting and evaluation) Contact Lenses (in lieu of glasses/frames)

$20 copay $150 allowance Up to $105 for exam and contacts

* Additional exams and services are available for members with diabetic eye disease, glaucoma, or age-related macular degeneration, with $20 copay as needed.

We offer one vision plan, the Choice Plan, through VSP. As a vision care member, you’ll have access to an expanded network of eye doctors, quality eyewear, and the affordability you deserve, all at low out-of-pocket costs. WellVision annual exams are included with $0 copays for in-network providers. Along with the plan offerings, VSP provides:

• Extra $50 to spend on featured frame brands like Calvin Klein, Cole Haan, and Nike ($130 + $50 = $180 allowance)

• 40% savings on prescription glasses after a WellVision exam

• 30% savings on lens enhancements

• 20% savings on non-prescription sunglasses

• 15% off on laser vision correction

• No more than a $39 copay on a routine retinal screening

Find a provider: To find an in-network provider based on your plan type, log in to fresenius.vspforme.com or call 800-877-7195 to speak with a VSP representative.

Please note: You may not receive an ID card for your vision plan. To access your vision plan details, visit your providers website, or visit the ESC.

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http://vsp.com


Flexible Spending Accounts

*You must incur expenses by December 31, 2022 and file any claims by March 31, 2023.

Healthcare FSA Limited Purpose FSA Dependent Care FSA Commuter Benefits

Who Can Enroll? Employees NOT enrolled in the Health Saver Plan with HSA

Only employees enrolled in the Health Saver Plan with HSA All employees All employees

How Much Can You Contribute? $2,750 $2,750 $5,000 (or $2,500 if married and

filing separately) $270

Common Eligible Expenses

Deductibles, copays, coinsurance, prescription drugs, dental, and vision expenses

Eligible dental and vision expenses only

Daycare or after school care programs for dependents up to age 13, or for a disabled family member, elderly parent, or spouse

Transit expenses, such as subways, buses, commuter trains, and the cost of parking at or near work or your mass transit provider

Money You Don’t UseUp to $550 can roll over to the next calendar year, any remaining unused funds will be forfeited*

Up to $550 can roll over to the next calendar year, any remaining unused funds will be forfeited*

You forfeit any money not incurred by the end of the plan year*

Unused funds roll over into the next month

Our Flexible Spending Accounts (FSAs), offered through PayFlex, allow you to set aside pre-tax dollars to pay for eligible out-of-pocket expenses. You decide how much to save tax-free in your FSA and you can use the money in your account to reimburse yourself. We offer the following accounts:

• Healthcare FSA

• Limited Purpose FSA

• Dependent Care FSA

• Commuter Benefits

An Example: Using Your FSA

Meet Kate! Kate recently had an eye doctor appointment and found out that she needs new glasses. After applying her discounts and coverage through VSP, she owed $100. By electing to contribute to her FSA during Open Enrollment, she was able to use the tax-free dollars to cover her expenses.

Eligible Expenses: For a complete list of eligible expenses, please see Internal Revenue Service Publication 502 at irs.gov.

Remember! 2021 Exception: If you want to participate in FSAs in 2022, you must take action and enroll! FMCNA has chosen to adopt the IRS Carryover Provision allowing you to rollover all your current funds from the 2021 plan year to put toward eligible medical and dependent care expenses in 2022. Please note Healthcare and Limited Purpose FSA funds will carryover the beginning of January 2022. Your remaining 2021 Dependent Care FSA dollars will not rollover until the beginning of April, after the March 31 filing deadline.

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YOUR WEALTHDisability, life, savings

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YOUR WEALTHDisability Protection

If you are ill or injured and cannot work for an extended period, disability coverage can help with your expenses.

Short-Term Disability (STD) and Long-Term Disability (LTD) coverage can provide you with a portion of your pay if you become disabled and are unable to work. Due to pre-existing condition limitations, employees who enroll in disability coverage when they are already disabled, will not qualify for the benefit.

Short-Term Disability Long-Term Disability

Who Pays for Coverage? You FMCNA

Coverage Amount and Duration 60% of your base salary for a maximum of 26 weeks up to $2,308/week

60% of your base salary up to a maximum monthly benefit of $10,000 up to age 65

Begins After 14 day waiting period (10 business days) 180 days

Please note: If you live in CA, DC, MA, NJ, NY, RI, or WA you must use State Disability Insurance first. The waiting period may be different for these states.

STD rates are based on your base salary up to a $2,308 per week maximum. Use the following formula to determine your bi-weekly paycheck deduction:

$0.01058* x annual base salary / 26 pays periods = cost deducted from your bi-weekly paycheck (i.e., $35,000 x $0.01058 / 26 = $14.24 bi-weekly STD cost)

*Costs may vary based on the state in which you live.

Important! If you are thinking about getting pregnant, we encourage you to consider Short-Term Disability coverage. Any illness, injury or condition, including pregnancy, for which you received medical treatment or advice, or took prescription drugs in the three months before the coverage effective date, will be considered a pre-existing condition for which benefits will not be paid. Pre-existing condition limitations will not apply after you are covered for at least 12 consecutive months after your most recent coverage effective date.

An Example: Meet Angela! See how Angela’s leave options differ with and without STD coverage.

Video: That was a lot of info! Take 10 minutes for some desk exercises.

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Life Insurance

We provide you with Basic Life and Accidental Death and Dismemberment (AD&D) insurance coverage through New York Life (formerly Cigna). You also have the choice to purchase Supplemental Life insurance for yourself, your spouse/domestic partner, and your children. Use our insurance needs calculator at newyorklife.com/liam to help you find out how much you might need. Business Travel Accident insurance is provided through New York Life at no cost to you.

Life and AD&D Insurance Options

Basic Life Insurance and AD&D Supplemental Life Insurance Business Travel Accident Insurance

Who Is Covered? You You may purchase coverage for you, your spouse/domestic partner, and/or dependent children You

Who Pays for Coverage? FMCNA pays 100% coverage You pay for supplemental coverage FMCNA pays 100% coverage

Coverage Amount 2x your annual salary up to a maximum of $400,000

• Employee: 1x to 8x your annual salary, up to a maximum of $1,000,000

• Spouse/domestic partner: $15,000 - $150,000

• Dependent children: $10,000 per child under age 19 (full-time student, under age 23)

5x your annual salary up to a maximum of $3,000,000

What is EOI? Evidence of Insurability (EOI) is proof of good health. EOI is required for requesting any coverage amount increases during annual enrollment. If you are electing supplemental life coverage for the first time as a newly hired employee, you can enroll in up to 3x your salary or $300,000 (whichever is less), or $30,000 for your spouse, without needing to submit EOI. Any amounts over that will require EOI.

Your EOI must be approved by New York Life before the additional coverage takes effect. If you enroll in 2022 life insurance amounts requiring EOI, New York Life will contact you and/or your spouse by email or mail. You will be asked to login to New York Life’s secure website for submitting the rest of the information needed to process your application.

View the cost of Supplemental Life Insurance.

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Retirement Savings

An Example! Meet Sally

See the Benefits of Sally’s 401(k):

Sally makes $48,000

She elects to contribute 6% = $2,880

FMCNA match contribution (full match) = $1,440

$48,000 base salary x 6% employee contribution x 50% = $1,440 employer contribution

Total contribution for 2022 = $4,320

Want to learn more about retirement or get support with financial counseling? Contact Principal at 800-547-7754.

401(k) Match Design

Your Contributions Contribute up to 75% of your annual salary (subject to IRS limits)

FMCNA Match $0.50 for each $1.00 you contribute up to the first 6% of your contributions

Vesting You are 100% vested in the company’s contribution after 5 years of service with FMCNA

Investment Choices Choose the mix of investments that best fit your goals

We offer you a pre-tax 401(k) plan and a post-tax Roth 401(k) through Principal. A 401(k) savings plan allows you to contribute pre-tax or after-tax dollars from your paycheck. We will match a portion of your contributions, too! 401(k) elections can be updated at any time, not just during Open Enrollment.

What’s the difference between a pre/post-tax 401(k) plan?

Video: Get a game plan to tackle debt and build emergency savings. We got you!

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Eligibility: All full-time and part-time employees are eligible to make contributions beginning the first of the month following 90 days of service. All temporary employees are eligible to make contributions beginning the first of the month following one year of service (per diem and independent contractors are excluded). You earn one year of service upon completing at least 900 hours of service during a consecutive 12-month period beginning on your date of hire, or during any 12-month period commencing each July 1 and ending on the following June 30.

Enroll at any time: To learn more about the 401(k), find out how to enroll, or make changes to your account, visit principal.com.

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Voluntary Insurance

Voluntary insurance provides you and your family with financial support when faced with a significant injury, illness, or even the birth of a child. New for 2022, Accident Insurance and Critical Illness also includes a $50 Wellness Benefit.

Voluntary Insurance Benefits

Type of Insurance You Might Need This If… What It Covers 2022 Enhancements

Accident Insurance** (Cigna)

You and your family need extra coverage in case of an accident

Pays a lump-sum fixed benefit for a covered accident for injuries like a broken or dislocated bone

• New $50 Wellness Benefit* • 10%-50% increase in payout amounts for benefits

like doctor visits, diagnostic exams, fractures, and dislocations

Critical Illness Insurance (Cigna)

You or a family member experience a heart attack, stroke, cancer, or another covered illness

Pays a lump-sum benefit directly for covered illnesses, including cancer, vascular, nervous system infectious, and childhood conditions

• New ICU admission coverage for sickness/injury (including for COVID-19)

• Additional covered conditions, including Advanced Heart Failure, Aortic and Cerebral Aneurysm, Crohn’s Disease, and more

• Enhanced $50 Wellness Benefit*

Hospital Care Insurance (Cigna)

You and your family need protection for expenses associated with an unexpected, covered hospitalization

Pays a lump-sum fixed benefit for a covered hospitalization

• New Mental Health and Substance Abuse hospital coverage

• Increased Daily Stay benefit amounts by 25%• Addition of Newborn Child benefit

Universal Life Insurance (Trustmark)

You need lifelong coverage and financial security if you or your spouse pass away Pays a fixed benefit if you or your spouse pass away You must call Benefits Enrollment through

DirectPath to enroll

**Note that you must first elect coverage for yourself in order to elect coverage for your spouse or dependents.

Legal Insurance through ARAGARAG, a worldwide leader of legal providers, gives you access to a nationwide network of more than 14,000 attorneys. Costing $8.38 per member, bi weekly, it covers 100% of any in-network attorney fees for most legal matters, such as creating a will or dealing with a traffic ticket. From divorce to LGBTQIA+ and cyberbullying support, learn what’s covered and how it works. Visit ARAGlegal.com/myinfo and enter access code 18456fmc, or, call ARAG Customer Care at 800-247-4184.

Learn what’s covered with ARAG.

Consumer with HRA and Health Saver Plan Benefits!* Both of these plans pay cash to be used to supplement your medical plan by contributing to deductibles, copays, or other needs during unexpected circumstances.

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YOUR TOTAL WELL-BEINGPrograms for the Total You

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YOUR TOTAL WELL-BEING

Your Health

Be physically inspired

• Rally Health: FMCNA offers wellness resources through Rally Health, our digital health platform. Rally is available to all benefits-eligible employees — not just those with medical coverage — and offers recommendations and programs to help you build healthy habits. All benefits-eligible employees can also participate in FMCNA’s private sweepstakes. Win great prizes like a $2,500 vacation, camping gear, gift cards, and more! UHC members can also earn up to $250 in wellness incentives.

• Weight Watchers: You and your spouse/domestic partner are eligible to be reimbursed for WW for participating! Visit wellness.weightwatchers.com and enter Access ID: 60799, call 866-204-2885, or email [email protected].

• Real Appeal*: Take small steps toward a healthy future with Real Appeal, an online program to spark weight loss transformation with personalized coaching. All UHC members, 19 years or older, are eligible to participate. Visit Rally Health to get started.

• Fitness Reimbursement: Receive up to $150 in reimbursement per year for eligible fitness expenses such as memberships to gyms and fitness studios, wearable fitness trackers, home fitness equipment, and virtual workout memberships and apps such as Beachbody, Peloton, Headspace, and more. Access the reimbursement form (due before March 31 of every calendar year).

• Fitness Discounts: To explore 8,000 membership discounts with GlobalFit, visit globalfit.com/FMCNA and set up an account or call 800-294-1500 for more information.

• Livongo*: UHC-enrolled members with diabetes can access free meters, strips, lancets, and 24/7 diabetes assistance through Livongo.

• Tobacco Cessation: If you use tobacco products, you can still waive the tobacco surcharge by participating in the Quit For Life program. Once you complete the program, you won’t pay the surcharge for the remainder of the year. Learn more at Quit For Life and select Fresenius Medical Care. Register as a member of a UHC medical plan. Employees and family members without UHC coverage can for free enroll, too.

Learn about the physical, emotional, financial, and social benefits and programs we offer you and your family to stay well.

*For UHC members only.

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Keep emotionally balanced

• Employee Assistance Program (EAP): Work, family, relationships — sometimes it’s a challenge to balance everything in your life and not feel overwhelmed. ComPsych, our EAP, is here to support you and your family, whenever and however you need it, at no cost. The EAP is available 24/7 for you, your spouse/domestic partner, and children. Call 877-595-5280 or log onto guidanceresources.com (Web ID: 1251).

• NEW: myStrength: You and your family will also have access to ComPsych’s interactive cognitive behavioral health coaching platform, myStrength.

• UHC Behavioral Counseling and Telehealth*: Access to behavioral health specialists to help you or your family members manage anxiety, grief, depression, speech challenges, and more. All your personal information is confidential and will never be shared with FMCNA, in accordance with state and federal laws.

• NEW: AbleTo*: Offers eligible UHC members an eight-week, personalized, virtual therapy and well-being program to support mental and emotional well-being needs.

• Rally Health Wellness Coaching*: Connect with a trained coach online or by phone for help eating better, staying focused on life or exercise, and sleeping. Visit rallyhealth.com/fmcna or call 800-478-1057.

• Sanvello App: A free mobile app provided by FMCNA, offers clinical techniques to help you ease anxiety — anytime. Start accessing well-being tips created for your needs. Visit sanvello.com and download the app. The premium subscription is free for all UHC members.

• Text Therapy with Talkspace*: Talkspace is a convenient and affordable way for UHC members to connect with a licensed therapist — all from the privacy of your device. Visit talkspace.com/connect.


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Your Wealth

Get financially prepared

• NEW: Bright Horizons College Coaching and Tutor Assistance: This free benefit gives you access to a team of college admissions and finance experts who can help you maximize your child’s academic success and plan for college costs. Additionally, you have access to exclusive discounts on tutoring from high-quality education partners, including Sylvan Learning, Varsity Tutors, and Revolution Prep. Get started online at Bright Horizons.

• SoFi at Work: Whether you want help understanding student debt, monitoring your credit score, learning about 529 plans, or taking out personal loans, the SoFi at Work Dashboard has what you need. Visit SoFi.com/at-work/registration/lookup to create an account with your FMCNA email and explore. If you don’t have an FMCNA email, create an account, and use code: FMCNA.

• Financial Guidance: Money issues can cause a lot of stress. That’s why we offer employees access to New York Life Money Coaches and financial counseling resources to help support the financial health of your household, at no additional cost to you. View all financial guidance options on the ESC, under Your Wealth.

• Employee Discounts: It feels good to pay less and that’s what happens if you take advantage of the many employee discounts available on groceries, pet insurance, computers, cell phone service, and more. Visit Tickets at Work and use Code: FMCNA.

• My Secure Advantage (NY Life, formerly Cigna): Proactively protect your identity with insurance, receive legal counseling, or connect with a Money Coach for financial support. Call 888-724-2262 for more information.

Your Career

Grow and achieve potential

• FMCNA Tuition Assistance: You can be reimbursed for qualifying higher education tuition expenses through the FMCNA Tuition Assistance program. Eligible employees may receive up to $4,400 per year for job-related courses. Eligible employees may receive up to $5,250 per year in tuition assistance toward their first RN degree.

• Scholarship Program: During the application process in early spring, children and grandchildren of eligible FMCNA employees may apply for an annual scholarship of up to $3,000, which is renewable each year of the post-secondary educational program as long as the sponsoring employee remains with the company.

• Employee Referral Program: The People Like You program builds a culture of innovation, growth, and quality care for our patients. It offers the opportunity to bring people into the organization who you would like to work with, whether that be on your team, at your clinic, or in your office. View referral directions on the ESC, under Your Career.

• The Academy: Experience personalized learning with The Academy. Find solutions to help you lead and work virtually, increase productivity and collaboration, and be resilient in turbulent times. View more information by visiting FMC4ME and clicking on The Academy tile on the left-hand side of the screen.

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Your Life

Find family support

• NEW: Bright Horizons: Offers caregiving support for children and elderly loved ones. Get started online at Bright Horizons.

– Bright Horizons Childcare Centers: Employees can access waitlist priority and a waived registration at Bright Horizons centers nationwide, and receive discounts at participating non-Bright Horizons centers.

– Additional Family Support: Access Sittercity’s database of childcare and elder companion care with membership fees waived ($150 value). Receive discounts and access for nanny placement, summer camps, before and after school programs, and discounted creative educational options for your child, including Brooklyn Robot, Foundry, Code Ninjas, and MarcoPolo.

• NEW: Adoption & Surrogacy Assistance*: Eligible employees may receive up to $4,000 in adoption or surrogacy assistance, per child.

• Relationship Support: Navigating family can be challenging, especially through times like divorce. ComPsych, our EAP, is here to support you and your family, whenever and however you need it, at no cost. The EAP is available 24/7 for you, your spouse/domestic partner, and children. Call 877-595-5280 or log onto guidanceresources.com (Web ID: 1251).

Seek social connectedness

• Employee Resource Groups: Relationships at work are an important component of how we connect and include people across the entire organization. Consider joining or starting an Employee Resource Group (ERG). More on FMC4ME.

• Helping Our Heroes: The Helping Our Heroes program provides a way for employees to share acts of kindness with one or more of our Fresenius Kidney Care, NxStage and RRI clinics, Azura Vascular Care centers, FreseniusRx pharmacies, and Spectra laboratories. By adopting a clinic or other location, you are agreeing to perform random acts of kindness periodically. How you go about fulfilling this commitment is entirely up to you. Learn more or sign-up on FMC4ME.

• Fresenius Medical Care Foundation: We aim to improve lives by raising awareness of kidney disease and igniting the advancement of life-saving solutions, like transplantation. To get involved, more information can be found on FMC4ME, or on our website.

• CARES Fund: Supported by generous company and employee donations, the CARES Fund provides financial assistance to employees and families impacted by unforeseen hardships or emergency situations. To provide support, we invite you to make a donation to help your colleagues in need. Visit the ESC for more information.


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Take time away for you

• Time Off: We understand the importance of good work/life balance. Paid Time Off (PTO) allows you the opportunity to recharge, reconnect, and rebalance your life, and focus on what’s important to you. The PTO program includes your vacation, sick, personal, and holiday time. To check your time off balance, visit PeopleSoft.

• Extended Sick & Paid Sick Leave Time: Extended Sick Leave (ESL) and Paid Sick Leave (PSL) provide you with an added level of support should you ever experience a long-term illness or disability.

• Leave of Absence: Our leave programs provide equitable and inclusive benefits to everyone. We offer parental, medical, caregiver, military leave, and more. If you have questions, please contact the Leave Management Office at 888-820-8202.

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YOUR SUPPORTEnroll and key contacts

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YOUR SUPPORTEnrollment ChecklistThis is YOUR time to choose the benefits that work best for you and your family. Don’t miss out on the new opportunities to personalize your plan choices for 2022 and remember the wide range of offerings to support your life. In three simple steps, you’ll be good to go!

1. Attend the virtual Benefits Fair beginning October 25.

P Join us at FMCNAvirtualbenefitsfair.com beginning October 25-November 19, to learn about your benefit offerings, take a well-being break, or chat one-on-one with our vendor partners. Don’t miss out on the available prizes!

2. Get your questions answered by benefits educators. If you have questions, our benefit educators can provide guidance.

P� To speak with a benefits educator, call 855-362-6247, Option 1 or visit fmcnabenefits.com between November 6 and November 14. For other inquiries, call the ESC between 8:30 a.m. and 8 p.m. ET.

P� Utilize our BeneFITwise Decision Support Tool, which asks questions and recommends a best medical option for you. Click on the Plan Estimator Tool on the bottom left-hand side of the webpage to access.

3. Log in and enroll between November 6 and November 19:

P Visit PeopleSoft or log in to the ESC from FMC4ME using your Employee ID and network password.

P To receive benefits information year-round, be sure to enter an email when starting your benefits election process online.

P Click on the Open Enrollment banner to get started and make your elections.

P In PeopleSoft, select, Open Enrollment: Choose Your Benefits.

P To proceed with your enrollment selections, you will need to enter your Employee ID and network password again.

P Review and make any edits to your benefit elections. If you change your medical elections for 2022, you will automatically be re-enrolled in the $50 surcharge and will have to complete the affidavit to opt out or waive coverage. Reminder! It resets each year, so don’t skip out on this step!

P Print your FMCNA Benefits Confirmation Statement and keep a copy for your records.

P Remember: The benefits you choose will be effective beginning January 1, 2022, through the end of the year. You cannot change your coverage during the year unless you experience a qualifying life event, such as marriage, birth, adoption or placement of a child, or employment status change for you or your spouse/domestic partner. View the Dependent Verification information on the ESC for more details.

Verify Newly Added Dependents: Employees are required to verify newly added dependents. You must upload verification documents by Friday, November 19, 2021, to enroll them. For details on required documentation, visit the ESC located on FMC4ME.com. Currently verified and active dependents with coverage do not need to be re-verified. Note: Previously verified (non-active) spouses do need to be re-verified.

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Key ContactsFor internal inquiries about your benefits, contact the Employee Service Center (ESC) at 855-362-6247. For external inquiries, refer to the chart below. Please note, the contacts below are for active employees only. All new hires, or newly eligible employees, have 30 days to enroll for benefits and should contact the ESC Monday through Friday between 8:30 a.m. – 8:00 p.m. ET for general questions on benefits and how to enroll.

Health

Medical Plan UnitedHealthcare (UHC) Group #: 717297 800-234-2848 www.whyuhc.com/fmc (pre-enrollment)

www.myuhc.com (post-enrollment)

Prescription Drug Plan

Express Scripts Group #: Premium………………..FMSUNITEDHIGH Standard………………..FMSUNITEDMED Consumer Plan……..FMSUNITEDCDH Health Saver………….FMSUHCHSACDH

800-597-6043 www.express-scripts.com/fresenius

Health Savings Account Optum Bank Group #: Fresenius Medical Care

800-234-2848 or 800-791-9361 (direct) www.optumbank.com

Dental Plans

MetLife PPO Group #: 228465 PDP Plus Network

800-942-0854 www.metdental.com

Aetna DMO Group #: 101942 (Suffix #10) Network Plan: DMO/DNO

877-238-6200 www.aetna.com

Vision Plan VSP 800-877-7195 www.fresenius.vspforme.com

Wellness

Wellness Provider Rally Health 877-818-5826 www.rallyhealth.com/fmcna

Livongo Diabetes Assistance Livongo 800-945-4355 www.join.livongo.com/FMCNA/begin

Employee Assistance Program ComPsych (Web ID is 1251) 877-595-5280 www.guidanceresources.com

Virtual MSK Therapy SWORD 888-492-1860 https://join.swordhealth.com/fmcna/

Expert Second Opinion 2nd.MD 800-234-2848 www.myuhc.com

Caregiving, Tutoring, & College Coaching Bright Horizons 866-854-1958 https://www.brighthorizons.com/

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http://www.whyuhc.com/fmc

http://www.myuhc.com

http://www.express-scripts.com/fresenius

http://www.optumbank.com

http://www.metdental.com

http://www.aetna.com

http://www.rallyhealth.com/fmcna

http://www.join.livongo.com/FMCNA/begin

http://www.guidanceresources.com

https://join.swordhealth.com/fmcna/

http://www.myuhc.com

https://www.brighthorizons.com/


Key Contacts (continued)Disability, Life & Supplemental

Disability Plans (STD & LTD) New York Life LTD: Group #LK980154 Sedgwick STD: Group #VDT980045

855-362-6247 888-820-8202

www.myNYLGBS.com www.sedgwick.com

Life and AD&D InsuranceNew York Life Life ………………………..FLX980203 AD&D……………………..OK980230

800-732-1603 www.myNYLGBS.com

Business Travel Accident Insurance Cigna 800-351-9214 www.myNYLGBS.com

Accidental Injury Insurance Cigna800-351-9214 (pre-enrollment)800-754-3207 (Member Number)

my.cignasupplementalhealth.com/freseniusmedicalcareOE

Critical Illness Insurance Cigna 800-351-9214 (pre-enrollment)800-754-3207 (Member Number) my.cignasupplementalhealth.com/freseniusmedicalcareOE

Hospital Care Insurance Cigna 800-351-9214 (pre-enrollment)800-754-3207 (Member Number) my.cignasupplementalhealth.com/freseniusmedicalcareOE

Universal Life Insurance Trustmark 800-918-8877 www.trustmarkbenefits.com

Savings & Retirement

401(k) Savings Plan Principal Financial Group 800-547-7754 www.principal.com

Health Savings Account Optum Bank 800-234-2848 or 800-791-9361 (direct) www.optumbank.com

Flexible Spending Accounts PayFlex Group #: Fresenius Medical Care 877-401-8463 www.payflex.com

Commuter Benefits PayFlex Group #: Fresenius Medical Care 877-401-8463 www.payflex.com

EAP Financial Program ComPsych (Web ID is 1251) 877-595-5280 www.guidanceresources.com

Financial Support

SoFi Finance Tools SoFi (Access Code: FMCNA) 833-277-7634 www.sofi.com/at-work/dashboard/lookup

Financial Program, Money Coaching, Legal Counseling, Identity Theft Insurance

New York Life Group Benefit Solutions, My Secure Advantage 888-724-2262 nylgbs.mysecureadvantage.com

Legal CounselingComPysch Group #: Fresenius Medical Care (Web ID is 1251)

877-595-5280 www.guidanceresources.com

Legal Insurance ARAG Legal (Access Code: 18456fmc) 800-247-4184 www.araglegalcenter.com

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http://www.myNYLGBS.com

http://www.sedgwick.com



http://my.cignasupplementalhealth.com/freseniusmedicalcareOE



http://www.trustmarkbenefits.com

http://www.principal.com

http://www.payflex.com

http://www.payflex.com


http://www.sofi.com/at-work/dashboard/lookup

http://nylgbs.mysecureadvantage.com


http://www.araglegalcenter.com

The information contained in this 2022 Open Enrollment Benefits Magazine is a general overview only and should not be regarded as an employment contract between you and FMCNA. This is not an official plan document. Each one of FMCNAs benefit plans has an official plan document that must be used to resolve any questions about the terms of the individual plan. You may find additional information by visiting the Employee Service Center website on FMC4ME.com. The benefits contained herein may or may not pertain to union employees, depending on the terms of their collective bargaining agreements. FMCNA reserves the right to amend or change the provisions of its benefit plans at any time.

http://FMC4ME.com

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Full-time, benefits eligible employees (30-40 hours/week)

P Medical/Prescription Drug

P Health Savings Account (HSA)

P Dental

P Vision

P Healthcare and Limited Purpose Flexible

P Spending Accounts (FSA)

P Dependent Care FSA

P Commuter Reimbursement

P Short-Term Disability (STD)

P Legal Insurance

P Supplemental Life Insurance and Universal

P Life Insurance

P Accident Insurance

P Critical Illness Insurance

P Hospital Care Insurance

Part-time benefits eligible employees (17.5-29 hours/week)

P Healthcare and Dependent Care FSA

P Commuter Reimbursement

Eligible dependents

P For certain coverages, you can also enroll your eligible dependents, including your spouse/domestic partner, and dependent children up to age 26. Children of any age who are mentally or physically incapable of self-support may be covered beyond the age of 26, if the child was enrolled in a medical plan on their 26th birthday.

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2nd.MD

2nd.MD connects you with board-certified, leading doctors across the country for an expert second opinion via video or phone, to make sure you have the right treatment plan for surgeries, chronic conditions, or any new diagnosis.

SWORD

SWORD provides UHC members free virtual physical therapy support to reduce back, knee, shoulder, and other musculoskeletal pains. You will be connected to a physical therapist who will assign exercises and monitor how those exercises are completed using special digital tools you can access from the comfort of your own home.

ComPsych Employee Assistance Program

We’ve increased the number of free counseling visits through our Employee Assistance Program, ComPsych. You can now utilize up to six sessions (increased from three) per matter, per family member at no cost to you.

myStrength

All employees and their families will also have access to ComPsych’s free interactive cognitive behavioral health coaching platform, myStrength.

AbleTo

Our new partner, AbleTo, will outreach to eligible and covered UHC medical plan members for both behavioral coaching and personalized therapy twice a week up to 8 weeks, from the privacy of your home.

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Bright Horizons

• Childcare Centers: Employees can access waitlist priority and a waived registration at Bright Horizons centers nationwide, and receive discounts at participating non-Bright Horizons centers.

• Additional Family Support: Access Sittercity’s database of childcare and elder companion care with membership fees waived ($150 value). Receive discounts and access for nanny placement, summer camps, before and after school programs and discounted creative educational options for your child, including Brooklyn Robot, Foundry, Code Ninjas, and MarcoPolo.

• College Coaching: This free benefit gives you access to a team of college admissions and finance experts who can help you maximize your child’s academic success and plan for college costs.

• Tutor Assistance: Additionally, you have access to exclusive discounts on tutoring from high-quality education partners, including Sylvan Learning, Varsity Tutors, and Revolution Prep. Get started online at Bright Horizons.

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Regional & HMO Coverage

Regional and HMO Plans Bi-Weekly Paycheck Costs

Individual Employee + 1 Family

BIND Health Plan – Florida, Georgia, Texas $31.70 $59.23 $121.33

Health New England HMO $78.84 $178.80 $260.15

Dean Health Plan – Wisconsin $159.63 $374.37 $511.64

HMO Illinois $54.70 $124.15 $185.97

HMO Illinois Blue Advantage $57.33 $130.14 $194.92

SelectHealth HMO – Utah $61.50 $133.70 $200.62

SelectHealth POS – Utah $54.48 $118.42 $177.60

Kaiser Permanente – North California $69.89 $145.68 $218.39

Kaiser Permanente – South California $69.89 $145.68 $218.39

Kaiser Permanente – Oregon $65.34 $154.48 $231.52

Please note: These are premium costs only. Check your plan costs before receiving care.

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Surcharge Information

Spousal Surcharge: Employees who elect to cover a working spouse/domestic partner who is eligible for group medical coverage through their employer, but opts to be covered under a FMCNA plan, will be assessed a $50 per-pay-period surcharge in addition to the bi-weekly rates.

Tobacco User Surcharge: We support your health and wellness by offering programs like Quit For Life® for all employees. If you use tobacco products, you can still qualify to waive the $20 bi-weekly tobacco surcharge by completing the Quit For Life® program. The program offers online support through Quit For Life® mobile app, a Live Tobacco Free course, and personalized support. Learn more at Quit For Life.

Note: If you enroll a spouse, you will automatically be enrolled in the $50 surcharge and will have to complete the affidavit to opt out or waive coverage. Reminder! It resets each year, so don’t skip out on this step!

Tax advantages

1. Tax-free money in!

FMCNA creates your account when you enroll in the Health Saver Plan. You can make tax-free contributions up to annual IRS limits. The 2022 limits are:

• $3,650 Employee coverage,

• $7,300 Employee + 1/Family coverage,

• $1,000 additional contribution if you are 55 or older.

2. Tax-free savings!

Your account can grow through interest and investment returns. Once your account balance reaches $2,000, you may choose to invest the balance through funds just like you would a 401(k) plan. Optum Bank has a variety of best-in-class mutual funds.

3. Tax-free money out!

Pay for eligible medical, prescription drug, dental, and vision expenses incurred by you and your eligible tax dependents, even if they aren’t enrolled in your plan. Remember, you never lose your money — even if you leave FMCNA or retire!

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Meet Emily

Most Cost Effective

Emily’s Cost Health Saver with HSA Plan

Consumer with HRA Plan Standard Plan Premium Plan

Paycheck Costs

Annual Premium Costs

Employee Coverage $787 $260 $2,028 $3,963

Medical Services: Out-of-Pocket Costs

Annual Physical

Covered at 100%

12 Behavioral Health Telemedicine Visits

(1x per month x 12 months)

$0

$588

$0

$0

$0

$0

$0

$0

Prescription Drugs: Out-of-Pocket Costs

Generic Drug for Depression

Smart90 Program (4, 90-day Rxs)$400 $280 $280 $280

Rally Wellness Incentive and HRA Dollars Available

Rally Wellness Incentive

HRA Dollars FMCNA pays $500 for Employee coverage, which Emily can access immediately since her salary is less than $50,000

($250) ($250)

($500)

($250) ($250)

What Emily Pays

+ Paycheck Costs

+ Out-of-Pocket Costs

- Rally Incentive and HRA dollars

$1,525 $10 $2,058 $3,993

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Meet Zhang

Most Cost Effective

Zhang’s Cost Health Saver with HSA Plan


Paycheck Costs


Employee Coverage $787 $260 $2,028 $3,963


Annual Physical

Specialist Visit for Blood Pressure

1 Urgent Care Visit

Sanvello Virtual Behavioral Health Support

$0

$150

$130

$0

$0

$150

$130

$0

$0

$35

$50

$0

$0

$30

$50

$0


Generic Drug for Depression

Smart90 Program (4, 90-day Rxs) $300 $280 $280 $240

Rally Wellness Incentive and HSA Dollars Available

Rally Wellness Incentive

HSA (Zhang’s) Savings

($250)

($750)

($250) ($250) ($250)

What Zhang Pays

+ Paycheck Costs


- Rally Incentive and HSA Savings

$367 $570 $2,143 $4,033

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Meet Amy

Most Cost Effective

Amy’s Cost Health Saver with HSA Plan


Paycheck Costs


Family Coverage$3,000 $780 $6,535 $13,374


Annual Physicals and Flu Shots for All Family Members

3 Sick Visits

2 Specialty Doctor Visits

SWORD Virtual Therapy Visits

Back Surgery

$0

$600

$600

$0

$7,567

$0

$600

$600

$0

$6,120

$0

$105

$70

$0

$5,304

$0

$90

$60

$0

$5,272


Generic Drug for Pain

(2 Rx, 30-day Rxs)

HRA Dollars

FMCNA pays $1,000 for Family coverage after the $4,000 deductible is met

$70 $70

($1,000)

$70 $60

What Amy Pays

+ Paycheck Costs


- HRA Dollars

$11,837 $7,170 $12,084 $18,856

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How STD Coverage Can Support Angela

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2 WEEKS

STD WAITING PERIOD

Paid at 100%

• 2 weeks (10 business days) waiting period

• Angela uses 3 days of PTO and 7 days of accrued ESL

3 DAYS

PTO

Paid at 100%

• 3 days PTO before accessing the ESL benefit

4-6 WEEKS

SHORT-TERM DISABILITY

Paid at 60% (100% with ESL)

• 4 weeks STD for a vaginal birth, or 6 weeks STD for a C-section*

*Uses ESL time to top off her STD 100% pay

6-8 WEEKS

ESL

Paid at 60% (100% with ESL)

• Up to 6 weeks ESL for a vaginal birth, or 8 weeks ESL for a C-section*

*Uses accrued ESL time

2 WEEKS

EXTENDED SICK LEAVE

Paid at 100%

• Uses 2 weeks of her ESL to extend her Paid Parental leave; max 2 weeks ESL eligible after Paid Parental Leave

2 WEEKS

ESL

Paid at 100%

• Uses 2 weeks of ESL to extend her Paid Parental Leave; max 2 weeks ESL eligible after Paid Parental Leave

4 WEEKS

Paid at 100%

• 4 weeks FMCNA Paid Parental leave; must be taken consecutively

4 WEEKS

PARENTAL LEAVE

Paid at 100%

• 4 weeks FMCNA Paid Parental leave; must be taken consecutively

With STD Coverage

Without STD Coverage

*If you live in a state that offers State Disability Insurance, (CA, MA, NJ, RI, NY, WA, or DC), contact the ESC at 855-362-6247 for further assistance.

Supplemental Life Insurance Coverage

AgeMonthly Cost of Supplemental Life Coverage

Employee Spouse / Domestic Partner Dependent Child(ren)

Level of Coverage Per $1,000 Per $15,000 $10,000

Under 30 $0.040 $0.081 $0.092

30-34 $0.050 $0.104

N/A

35-39 $0.059 $0.115

40-44 $0.069 $0.150

45-49 $0.098 $0.207

50-54 $0.148 $0.334

55-59 $0.276 $0.563

60-64 $0.413 $0.907

65-69 $0.787 $1.607

70-74 $1.280 $2.985

75+ $1.280 $2.985

Note: The IRS requests employers to withhold income tax on the value of employer-paid life insurance coverage above $50,000. The withheld tax, if any, comes out of your paycheck as “Basic Life Taxable” and is reported on your annual Form W-2.

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What’s the difference?

Pre-Tax 401(k):

• Pre-tax contributions lower your taxable income and your taxes.

• You don’t pay taxes on the money you save or its potential earnings until you take a distribution from the plan.

Post-Tax Roth 401(k):

• Make tax-free withdrawals during retirement since the taxes were paid up front.

• After-tax contributions don’t lower your taxable income, but the contributions and earnings won’t be taxed later.

Legal Insurance through ARAG

What it covers:

• Consumer Protection

• Cyberbullying

• Traffic Tickets

• Tax Issues

• Adoption

• Divorce

• Real Estate & Home Ownership

• Wills, Trusts & Estate Planning

• Surrogacy Agreements

• LGBTQIA+ Support

• Child Support Enforcement

How it works:

1. Call ARAG when you have a legal matter.

2. Customer Care will walk you through your options and connect you to network attorneys.

3. Meet with your attorney over the phone or in person to begin resolving your legal issue.

Learn more:

Visit ARAGlegal.com/myinfo and enter access code 18456fmc. Call ARAG Customer Care at 800-247-4184.

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Documents

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