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2018 Benefits Guide - sapnorthamericabenefits.com

2018 Benefits Guide Next SEARCH | PRINT. 2018 . Benefits Eligibility &. Guide Home health Benefits Financial Benefits Enrollment Contacts Home Welcome 1. SAP offers comprehensive Benefits that protect the health , wealth, and well-being of you and your family. Take time now to make informed decisions about your Benefits and enroll in the plans that will best meet the needs of you and your family. This Benefits Guide provides all the information you need to evaluate your options and enroll in your Benefits . The SAP Benefits available to you in 2018 include: Medical and Prescription Drug Vision 2018 Open Enrollment is health Savings Account November 6 November 20, 2017. Life Insurance Flexible Spending Accounts 401(k) Savings Plan Dental Voluntary Benefits Check Out the Benefits Website! In addition to this Guide , visit the Benefits website at With the Benefits website, you have quick and easy access to your SAP benefit information from any computer with internet access.

218 BENEFITS GE 3 EC P Medical & Prescription Drug Consumer Choice Plans The Health Savings Account (HSA) PPO 85 Kaiser HMO Comparing the Plans

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Transcription of 2018 Benefits Guide - sapnorthamericabenefits.com

1 2018 Benefits Guide Next SEARCH | PRINT. 2018 . Benefits Eligibility &. Guide Home health Benefits Financial Benefits Enrollment Contacts Home Welcome 1. SAP offers comprehensive Benefits that protect the health , wealth, and well-being of you and your family. Take time now to make informed decisions about your Benefits and enroll in the plans that will best meet the needs of you and your family. This Benefits Guide provides all the information you need to evaluate your options and enroll in your Benefits . The SAP Benefits available to you in 2018 include: Medical and Prescription Drug Vision 2018 Open Enrollment is health Savings Account November 6 November 20, 2017. Life Insurance Flexible Spending Accounts 401(k) Savings Plan Dental Voluntary Benefits Check Out the Benefits Website! In addition to this Guide , visit the Benefits website at With the Benefits website, you have quick and easy access to your SAP benefit information from any computer with internet access.

2 The website is mobile-ready, which means you can review your benefit information on-the-go on your smartphone or tablet. If You Are a New Hire As a new hire, you have 31 days from your date of hire to enroll in SAP benefit plans. Coverage under the medical, dental, and vision plans is effective as of the first of the month following your date of hire. For more information, visit the Eligibility section of this Benefits Guide . << PREVIOUS NEXT >> 2. SEARCH | PRINT. 2018 . Benefits Eligibility &. Guide Home health Benefits Financial Benefits Enrollment Contacts Medical & Prescription Drug Consumer Choice Plans The health Savings Account (HSA). Medical & Prescription Drug c PPO 85 You may select from one of the three plans offered through Aetna, or the Kaiser plan available in Kaiser HMO California only: Comparing the Plans Consumer Choice 90 PPO 85. Deductible Coinsurance Consumer Choice 80 Kaiser HMO (California residents only).

3 Out-of-Pocket Maximum 2018 Medical Plan Use the Aetna Benefits Advisor to decide which option is best for you and your family. Comparison Chart Cost of Coverage Imputed Income for Domestic Partner Coverage Each medical plan option includes prescription drug and vision coverage. For more information, Prescription Drug Coverage see Prescription Drug and Vision. Prescription Drug Comparison Chart See how the plans compare and how they can be used throughout the year, to help you health Savings Account understand which plan is the best choice for you and your family. Opening an HSA How Much You Can Contribute SAP HSA Contributions Using Your HSA to Pay for Care If you enroll in medical coverage administered by Aetna, it's easy to manage your HSA Tools and Tips account online through the Aetna Navigator. To create an online account, visit Flexible Spending Accounts health Care FSA. Limited Purpose FSA.

4 Dependent Care FSA. Parking and Transit FSAs Get Healthy and Save Money with the health Consumer Resources Information Dashboard Infertility Services Milk Stork Through health Advocate, you get a health Information Dashboard: a valuable and free WellMatch resource offered to you 24/7 that gives you a complete view of your health profile. The COPE. Livongo for Diabetes dashboard displays Benefits information and also provides helpful health tips and interactive Teladoc health trackers. In addition, it will alert you to important preventive care such as tests and CVS MinuteClinic screenings you need to take to get and stay healthy. Kurbo Color Genomics The spotlights section is a key component of your dashboard and is designed to alert you health Advocate HealthEquity to important preventive care and other actions you need to take to get and stay healthy. Important Apps Spotlights will appear on your dashboard reminding you that you may be overdue for an Dental important test, screening, or immunization.

5 They may also alert you to the opportunity to Vision save money by using generic medications. Wellness Programs Visit to view your health Information Dashboard today! Employee Assistance Program (EAP) << PREVIOUS NEXT >> 3. SEARCH | PRINT. 2018 . Benefits Eligibility &. Guide Home health Benefits Financial Benefits Enrollment Contacts Medical & Prescription Drug Consumer Choice Plans The health Savings Consumer Choice Plans Account (HSA). The Consumer Choice plans provide SAP employees with competitive medical Benefits and PPO 85. offer low employee contributions. These types of plans also work well in the changing health Kaiser HMO. care environment because of their focus on personal accountability when managing the cost Comparing the Plans Deductible of care. Coinsurance Out-of-Pocket Maximum The Consumer Choice plans have high deductibles and low employee contributions, but 2018 Medical Plan generally function as PPOs do.

6 Enrollees are responsible for paying for their coverage directly, Comparison Chart up to their annual deductible, instead of paying copays for services. Cost of Coverage Imputed Income for Domestic Partner Coverage Prescription Drug Coverage The health Savings Account (HSA). Prescription Drug What sets the Consumer Choice plans apart is the health Savings Account (HSA), which gives Comparison Chart health Savings Account enrollees control over how they manage health care funds. The HSA allows enrollees to put Opening an HSA aside pre-tax money for medical expenses now and in the future. The HSA gives members the How Much You Can Contribute opportunity to pay less for care and services and to benefit from tax advantages associated SAP HSA Contributions with the plans. In addition, HSA holders will receive contributions from SAP to their HSAs twice Using Your HSA to Pay for Care during the year.

7 Click here to see the advantages of the health Savings Account (HSA). HSA Tools and Tips Flexible Spending Accounts health Care FSA Please Note: If you are enrolled in Medicare, you are not eligible for the HSA. Limited Purpose FSA. Dependent Care FSA. Parking and Transit FSAs Read the Comparing the Plans section for more information about how the Consumer Consumer Resources Choice plans work during the year, and about how SAP HSA contributions lower your Infertility Services Milk Stork financial responsibility. WellMatch COPE. Livongo for Diabetes Teladoc CVS MinuteClinic Kurbo Color Genomics health Advocate HealthEquity Important Apps Dental Vision Wellness Programs Employee Assistance Program (EAP) << PREVIOUS NEXT >> 4. SEARCH | PRINT. 2018 . Benefits Eligibility &. Guide Home health Benefits Financial Benefits Enrollment Contacts Medical & Prescription Drug Consumer Choice Plans The health Savings PPO 85.

8 Account (HSA). With PPO 85, you pay copays when you receive care and when you fill generic prescriptions. PPO 85. For some services, you will share costs with the plan by paying coinsurance after meeting your Kaiser HMO. annual deductible. Medical copays, along with the deductible and coinsurance amounts, will Comparing the Plans Deductible apply to the PPO 85 in-network, out-of-pocket maximum. For preferred and non-preferred Coinsurance brand drugs, you will pay coinsurance. Through the PPO 85, as with all the SAP plans, you have Out-of-Pocket Maximum quality, comprehensive health coverage, access to the Aetna network, and financial protection 2018 Medical Plan from catastrophic illness or injury. Comparison Chart Cost of Coverage Imputed Income for Domestic Please Note: Enrollees in PPO 85 are not eligible to open a health Savings Account (HSA), and Partner Coverage so are not eligible to receive SAP contributions.

9 Prescription Drug Coverage Prescription Drug Comparison Chart Use the Aetna Benefits Advisor to decide which option is best for you and your family. health Savings Account Opening an HSA How Much You Can Contribute SAP HSA Contributions Using Your HSA to Pay for Care HSA Tools and Tips Flexible Spending Accounts health Care FSA. Limited Purpose FSA. Dependent Care FSA. Parking and Transit FSAs Consumer Resources Infertility Services Milk Stork WellMatch COPE. Livongo for Diabetes Teladoc CVS MinuteClinic Kurbo Color Genomics health Advocate HealthEquity Important Apps Dental Vision Wellness Programs Employee Assistance Program (EAP) << PREVIOUS NEXT >> 5. SEARCH | PRINT. 2018 . Benefits Eligibility &. Guide Home health Benefits Financial Benefits Enrollment Contacts Medical & Prescription Drug Consumer Choice Plans The health Savings Kaiser HMO Kaiser HMO (rates include Core vision coverage).

10 Account (HSA) (For California Residents Only). PPO 85 Pre-Tax Cost per Pay Employee only: $ Kaiser HMO If you are a California resident, in addition to the three Period Employee + 1: $ Comparing the Plans Aetna medical plan options (CC 90, CC 80, and PPO 85), (Includes Core Plan vision Employee + 2: $ you have the option to enroll in an HMO provided through coverage). Deductible Employee + 3 or more: $ Coinsurance Kaiser Permanente. If you elect the Kaiser HMO option, Out-of-Pocket Maximum you are able to utilize only medical services and providers SAP HSA Contribution N/A. 2018 Medical Plan Comparison Chart ( , family physician, specialist) within the Kaiser HMO. Annual Deductible None Cost of Coverage network. You will pay copays for most services, while the Imputed Income for Domestic Partner Coverage plan will pay the rest. Prescriptions are also covered by Out-of-Pocket $1,500 per individual Prescription Drug Coverage copays, and Benefits are provided through Kaiser.


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