Benefits for what matters most

Learn more at paypalbenefits.com

U.S. Benefits 2022 Annual Enrollment is November 1–12, 2021

What matters most to you? Improving your health. Increasing your savings. Caring for your mental health. Protecting your family.

For everything that’s important to you, PayPal’s benefits have you covered.

Here foryou andyourfamily

U.S. Benefits 2022 Annual Enrollment is November 1–12, 2021.

Explore. Review. Enroll.Follow these steps to enroll in or make changes to your benefits November 1–12, 2021.

Explore Visit paypalbenefits.com to learn more about what’s new

and changing in 2022.

Use the Medical Plan Cost Estimator to compare your

medical plan options and decide which plan is right for you.

Review Annual Enrollment is your only time during the year

to enroll in optional benefit programs such as Flexible

Spending Accounts, Group Legal coverage, Supplemental Life

Insurance and AD&D, Long-Term Disability Buy-Up, and Aflac

Supplemental Insurance programs.

Eligible for a Flexible Spending Account (FSA) or Health

Savings Account (HSA)? Reset your annual contribution

amount, because your elections don’t automatically roll over.

Review your life and AD&D insurance elections, and

update your beneficiaries. Be sure to check the cost, if

you’re changing your coverage amount, and any applicable

rate updates for your current selections.

Enroll Once you’ve reviewed your options, be sure to make any

election updates in Your Benefits Resources (YBR) and

confirm your 2022 selections by November 12, 2021.

Visit paypalbenefits.com to access YBR to make

enrollment updates.

Once you’ve submitted your selections, you’ll receive a

2022 Confirmation of Coverage.

If you don’t take any action…You’ll remain in your current benefit plans, and current dependent

coverage will carry forward, except for the HSA and FSAs. These

accounts require new elections annually.

What’s new and changing for 2022Current paycheck contributions for medical, dental, and vision coverage will not change for next year—unless you make a new plan selection. Although the cost to offer these plans will increase next year, PayPal will cover 100% of the cost increases. To view the paycheck contributions for coverage, visit paypalbenefits.com.

The pharmacy benefit is moving to a standard formulary.

This is a list of clinically effective generic and brand-name

prescription drugs covered by your plan. If your doctor

prescribes a drug that is not on the standard formulary

but is clinically necessary, your provider can request an

authorization to CVS. If you fall into this category, CVS will

connect with you beginning in November 2021 to assist with

prescription coverage. To view a list of prescription drugs

on the standard formulary, visit caremark.com, and use

the Check Drug Cost tool. You’ll instantly see if a specific

prescription is covered under your plan and, if no longer

covered by the plan, what the cost would be.

Dispense-as-written requirement will apply.

Starting next year, if you fill a prescription for a brand drug

when a generic is available, you’ll pay the difference between

the brand and generic prescription drug costs (including copay),

unless the brand drug is clinically necessary, in which case, your

provider can request an authorization or appeal to CVS.

Compare costs. Save money.Use the CVS drug cost tool at cvs.com/content/prescription-savings to see what you’ll pay starting

in 2022 and whether there’s a lower-cost alternative available.

Manufacturer discounts for specialty prescriptions will no longer count toward your deductible.

Specialty drugs are high-cost prescription drugs

used to treat complex, chronic conditions like

cancer, rheumatoid arthritis, and multiple sclerosis.

Manufacturers often provide copay cards to patients

to help cover the cost of these drugs.

What this means for you

If you’re prescribed a specialty drug and use a

manufacturer copay card to help offset the cost, the

dollar value of the manufacturer copay card will no

longer count toward your medical plan deductible.

UnitedHealthcare (UHC) prescription drug coverage changesCVS Caremark will continue to be the pharmacy benefit provider for UHC plan participants. The following changes will apply to your

prescription drug coverage beginning January 1, 2022:

$300 – $200 = $100medication cost manufacturer

copay card

Only $100 applied toward your deductible

paid out of pocket

Enhanced fertility benefits and adoption and surrogacy assistance Need support to begin or grow your family?

Progyny fertility benefits (available to UHC plan

participants) and PayPal’s adoption and surrogacy

assistance enhanced benefits can help.

Now you can receive up to three Smart Cycles

of bundled fertility services through Progyny,

including all necessary diagnostic testing and the

latest technology (such as PGT-A, ICSI, etc.), so

you don’t have to worry about running out of

coverage in the middle of your treatment cycle.

Plus more covered fertility options, including

sperm and egg donations.

Be reimbursed even more (up to $25,000 per child)

when you adopt or use a surrogate using PayPal’s

adoption and surrogacy reimbursement policies.

Vision plan now includes access to Walmart Vision CentersVSP has added Walmart Vision Centers to the VSP network, giving you more value, top brands at low prices, the latest styles, and

free in-store pickup and free shipping on qualifying purchases.

Need dental and vision coverage?Don’t forget that Annual Enrollment is the time for you to make these elections. Choose the Core or Enhanced

dental and vision plans based on which plan will best fit your needs next year. Visit paypalbenefits.com for

additional details about each plan.

Save money and get healthy with Perks at WorkWant to save time, money, and make your day a little brighter?

Check out the Employee Discount program! From purchasing

your at-home gym to planning a weekend getaway, Perks at

Work can save you money. Or, if you’re looking for an exercise

class live or on demand, or want to learn how to knit, play

chess, or try a cooking class, visit the Perks at Work Community

Online Academy. Visit perksatwork.com/register.

meQuilibrium and Real Appeal will no longer be offeredEvery year we review our benefits package to make sure we’re

offering competitive and valuable benefits for our employees.

meQuilibrium and Real Appeal had very low utilization. PayPal

has made the decision to discontinue these programs as of

January 1, 2022, because we offer other, more robust benefits

to support you, including a new app, Calm, for sleep and

stress support, and the Employee Assistance Program (EAP)

for emotional and mental health support. Plus, we offer Vida

Health coaching for physical well-being, access to dietitians,

and weight-loss support.

More money for you in 2022Save money for medical expenses now—and in the future.

If you’re enrolled in the CDHP medical plan with a Health

Savings Account (HSA), you can save pre-tax dollars in an HSA

to use for health care expenses. PayPal also contributes. Here

are the 2022 contribution limits:

Employee only Employee + family

PayPal’s contribution $500 $1,000

You can contribute up to $3,150 $6,300

Maximum IRS total $3,650 $7,300

Contribute to an FSA to help pay for eligible health care

expenses. You can contribute up to the annual IRS limit to

your Health Care Flexible Spending Account (FSA) in 2022.

Estimate your future expenses carefully, so you don’t lose any

money at the end of 2022.

New! Personal protection equipment (PPE), such as

face masks, hand sanitizer, and sanitizing wipes, are now

eligible for reimbursement through your HSA, FSA, or Health

Reimbursement Account (HRA).

Grow your retirement savings! You can contribute up to

$19,500 (or $26,000 if you’re aged 50 or older) to your 401(k).

This is one of the easiest ways to save pre-tax dollars for

retirement—and get free money from PayPal too!

Find out more about the HSA, FSA, and HRA, including who’s eligible, on paypalbenefits.com.

Wellness toolkit

More support for the whole youEveryone’s well-being journey is unique. That’s why we’ve focused on adding valuable benefit programs and resources so you can tailor a personalized program to support your unique needs and goals.

Starting in 2022, PayPal is adding Calm to your wellness toolkit. Along with the Employee Assistance Program (EAP),

Vida health coaching, and Ayco financial coaching, you’ll have unlimited access to wellness experts who can support

you during the different stages of your wellness journey.

CalmUse the No. 1 app for meditation and relaxation

to help you decrease stress, reduce anxiety,

sharpen focus, and improve sleep.

EAPTake advantage of confidential counseling

sessions and online resources for you and

your family so you can feel better, faster.

VidaImprove your health, and make real lifestyle

changes so you can live healthier and improve

your physical well-being.

AycoAccess digital tools, and talk with a financial

coach to help you navigate money challenges

and become financially fit.

Introducing Calm, the No. 1 app for meditation

and relaxation to help you lower stress, reduce

anxiety, sharpen focus, and improve sleep. Starting

in 2022, you and your family members will have

unlimited and free access to Calm, including:

The Daily Calm with a new mindful theme

every day

More than 100 guided meditations

Sleep Stories to help you drift into better sleep

Music to help you relax and reduce stress

Video lessons on mindful movement and

gentle stretching

Sleep better, lower stress, and reduce anxiety with Calm

Confidential counseling sessions

You and your family receive up to 10 confidential counseling

sessions by phone or in person per issue per year—at no cost

to you!

Additional sessions if needed

Once you complete your 10 free sessions, additional sessions

may be covered under your medical plan for the cost of a

specialist visit. These are provided in addition to any services

you receive through your medical plan.

Get the help you need, when you need itLife can be messy. Stress. Depression. Financial problems. Parenting challenges. It can all be too much to manage on your own, but the EAP is here to help.

Referrals and more

You can get referrals for the care of a child or elderly family

member, help with managing financial problems, and much

more through EAP Counseling Concierge Services. Reach out

to a specialist who can help you:

Manage stress, anxiety, depression, and addiction

Handle relationship issues and divorce

Develop your resilience

Cope with illness and death

Manage your finances and create a financial plan

Access legal advice from a licensed attorney

Visit paypalbenefits.com/eap to learn more about the EAP.

Whether you want to lose weight, get fit, eat healthier,

or manage a chronic condition, Vida wellness coaches are

available to support you and help you change behaviors to live

healthier and happier! You and your family have unlimited and

free access to Vida wellness coaches and dietitians.

The Vida app matches you to a personalized health coach

who knows how to help you successfully improve your health

and make impactful lifestyle changes, so you feel better, live

healthier, and improve your physical well-being. Your coach will

develop a personalized plan and guide you every step of the way.

You’re also eligible to receive free devices—like fitness

trackers, scales, and blood sugar meters—to check and

monitor your progress as you go.

Lose weight, get fit, manage stress with Vida

Download the Vida Health app at

paypalbenefits.com > Resources >

Mobile apps.

Schedule your annual checkup

Your annual checkup is the best way for you and your doctor

to get a baseline of your current health. So schedule your

annual checkup before the end of the year. With PayPal’s

medical plans, it’s covered 100%.

Get virtual care anytime, anywhere

Chat with a doctor at any time, day or night—from anywhere!

With virtual visits, you can talk with a doctor from your

mobile device or computer, without an appointment. Virtual

visits are best for nonemergency medical conditions and

minor health issues.

UHC members: Log in to myuhc.com or download the app.

Kaiser members: Visit kp.org/mydoctor/videovisits.

Level up with GlobalFit and Active&Fit Direct

With GlobalFit, receive membership discounts and exclusive

offers to more than 10,000 fitness centers, gyms, and studios

across the United States. Plus, month-to-month terms at

many locations, travel privileges, freeze, and transfer options.

Join for just $10 through December 31

(promo code COPERKS10)

Get started for $0 at Anytime Fitness

(promo code ANYFIT0)

Pay $10 at NYSC and BSC Clubs (promo code SPORT10)

Sign up at perksatwork.com/register.

Active&Fit Direct allows you to choose from over 9,000

fitness centers and YMCAs nationwide at discounted pricing.

Choose your fitness center, and switch or cancel anytime. No

long-term contracts and no cancellation fees.

Sign up at activeandfitdirect.com (promo code STANDARD25).

Take control of your physical well-beingAnnual checkups, seeing a doctor when you are under the weather, and exercising are all key to maintaining your physical health.

Access Ayco financial coaches

Ayco gives you the right digital tools and confidential one-

on-one coaching to help you navigate challenges, plan for the

future, reach your goals, and become financially fit. Plus, Ayco’s

financial coaches are experts on PayPal’s benefit programs!

Connect with your coach today, and start planning your

financial future.

Care for your familyFind care for loved ones, plus household help, pet sitters, and more.

A sick child. A no-show sitter. Your caregiver’s having

car trouble. Figuring out who will take care of your aging

parent. Need some help finding short-term or long-term

care resources? Bright Horizons offers a range of services

to meet your needs. You have up to 30 uses of backup

care through Bright Horizons each year.

Parenting support on your schedule

If your child has learning or behavioral challenges, it can

be hard to know what to do. That’s why Rethink offers

its research-based resources, training, and support to

help you navigate parenting a child with developmental

disabilities. Use Rethink’s resources and program offerings

at no additional cost to you!

Gaining financial freedom is possible

A good place to start is ensuring you have enough money to

cover all your expenses. With the Even financial wellness app,

you can get an advance on money from your paycheck before

payday. So you don’t have to worry about late bill payments

and fees, about being able to afford the necessities, or about

living paycheck to paycheck.

Visit even.com/paypal to learn more and download the app.

Financial wellness top of mind? Ask the experts for help.

Visit paypalbenefits.com to learn more.

Ayco was able to successfully address my needs. My financial coach helped me understand how asset

allocation could help me meet my retirement, college education, and other financial goals.”

HETAL VELANI (CALIFORNIA), SENIOR SOFTWARE ENGINEER“

Annual Enrollment is your opportunity to enroll in or make changes to your benefits for 2022, unless you experience a qualified life event (as defined by the IRS), such as getting married or divorced, having or adopting a child, or gaining or losing coverage. If you experience a qualified life event, you must update your benefits within 30 days by visiting Your Benefits Resources™.

Employee Central Support9999 N. 90th Street

Scottsdale, AZ 85258

U.S. Benefits 2022 Annual Enrollment is November 1–12, 2021

Learn more about what’s new

and changing for next year at

paypalbenefits.com.

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