Transcription of https://www.sapnorthamericabenefits.com/GuidesAndForms/2018_Benefits_Guide.pdf
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.
2 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. The website is mobile-ready, which means you can review your benefit information on-the-go on your smartphone or tablet.
3 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).
4 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). 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.
5 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.
6 To create an online account, visit Flexible Spending Accounts Health Care FSA. Limited Purpose FSA. 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.
7 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.
8 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.
9 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. Enrollees are responsible for paying for their coverage directly, Comparison Chart up to their annual deductible, instead of paying copays for services.
10 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.
