Hey there! Welcome to Dentsu Aegis Network Benefits Meet & greet Ice Breaker • 14 months at DAN • Helps support ~5,000 benefit eligible EE’s across network • Benefits is the only centralized Rina Kaba function within DAN HR – all employees have access to the Benefits Coordinator same coverages/programs DAN HQ Contact: [email protected] We offer a variety of benefit programs and resources to suit the needs of our diverse employee population Family Benefits Convenience Benefits • Bright Horizons Care • Various voluntary options Advantage™ • Commuter program • Paid Parental and Caregiver • Work Perks leave Health Benefits Financial Benefits • UHC Medical • BenefitsPlus 401(k) plan • One Medical Membership • Life and disability insurance • Delta Dental • Flexible Spending Accounts • VSP (vision) Benefit Eligibility All regular (FT or PT) employees working >21 hours per week may enroll in healthcare and voluntary coverage in the BenefitsPlus plans. Coverage is always effective on the 1st of the month coincident or immediately following your date of hire. Eligible employees may also enroll in coverage for dependents: - Spouse - Same or opposite sex domestic partner - Children - Domestic partner’s children Benefit Enrollment You will receive an email from benefitsPLUS ([email protected]) with instructions on how to enroll in coverage through the benefit portal at www.danbenefitsplus.com You will have 31 days to enroll in coverage. If you do not enroll in benefits, you will be automatically waived from all voluntary insurance Your next opportunity to enroll will be during our next annual enrollment period unless you experience a mid- year life event Call the BenefitsPlus Solution Center for assistance at 855.362.7870 Health & Welfare Benefits The Lingo Coinsurance Premium The amount it costs to be enrolled The amount you are required to in coverage, taken from your pay for non-copay eligible services paycheck as a pre-tax deduction before the plan begins to cover the cost of care. OOP Max OOP Copay The total out of pocket cost you The most you will be required to pay for certain services at your PCP, pay for care costs (minus Specialist, or Urgent Care Center. premiums) in a given plan year. Not every plan has copays. UHC Medical Plans More Impact Three plan options are available to choose from. They all utilize the UnitedHealthcare Choice Plus Network Cost-share burden between you and the plan is what differentiates the three options – all plans cover the same services, and the only difference is how much you pay versus how much the plan pays More More PlanAcceleration ahead! Visit the medical pre-memberOpportunity website for more information on plan and network coverage – https://benefitsPLUS.welcometouhc.com. Plan Comparison Semi-Monthly HDHP with HSA Standard PPO Enhanced PPO Premiums EE Only $36.50 $65.00 $100.00 EE + Spouse/DP $105.00 $161.50 $230.00 EE + Child(ren) $84.00 $130.00 $205.00 Family $170.00 $265.00 $380.00 Plan Features Network OON Network OON Network OON Deductible $2,000/$4,000 $4,000/$8,000 $1,000/$2,000 $2,000/$4,000 $500/$1,000 $2,000/$4,000 Coinsurance 20% 40% 20% 40% 10% 30% OOP Max $4,000/$6,850 $12,000/$24,000 $4,000/$8,000 $8,000/$16,000 $4,000/$8,000 $8,000/$16,000 Copayments Virtual Visit Ded & Coin. $0.00 Ded & Coin. $0.00 Ded & Coin. PCP Ded & Coin. $30.00 Ded & Coin. $30.00 Ded & Coin. Specialist Ded & Coin. $50.00 Ded & Coin. $50.00 Ded & Coin. Rx Coverage Tier 1 Ded & Coin. $10.00 Ded & Coin. $10.00 Ded & Coin. Tier 2 Ded & Coin. $50.00 Ded & Coin. $50.00 Ded & Coin. Tier 3 Ded & Coin. $75.00 Ded & Coin. $75.00 Ded & Coin. HDHP Plan Additional Features – Free Money and Coverage! DAN contributes $500/$1000 towards your HSA account annually (posted in increments each quarter) to help offset the deductible – this is free money! Certain preventative medications are covered at no cost to HDHP members, which makes it an affordable option. Choosing the right plan Keep in mind… Who are you What are your It is important to consider your medical covering? medical needs? needs and expected expenses as you research and prepare to enroll in a medical plan, so you can make an Total expected informed choice that suits the needs of OOP costs (incl. Paycheck yourself and your dependents. copay & premiums deductible) Choosing the right plan - examples Jane: I’m 29 years old and single. I go for an annual physical and I visited the Urgent Care one time last year because of a basketball injury. Service Enhanced PPO Standard PPO HDHP Annual Well Women Exam $0.00 $0.00 $0.00 1 Urgent Care Visit $50.00 $50.00 $150.00 Total Employee Responsibility OOP Expenses $50.00 $50.00 $150.00 Annual Payroll Deduction (EE Only) $2,400.00 $1,560.00 $876.00 Company HSA Contribution $0.00 $0.00 ($500.00) Jane's Total Costs $2,450.00 $1,610.00 $526.00 Based on Jane’s prior experience, the HDHP Plan would be ~$1,100 less expensive than the Standard PPO and perhaps the best choice for her coverage Choosing the right plan - examples Karen: I have 3 kids and husband; we have tons of costs each year! We had 3 ER visits and lots of PCP visits last year when my house got the flu for 2 months Service Enhanced PPO Standard PPO HDHP 5 Primary Care Visits ($30 copay or $110/visit) $150.00 $150.00 $550.00 3 ER Visits ($250 copay or $1,000/visit) $750.00 $750.00 $3,000.00 Total Employee Responsibility OOP Expenses $900.00 $900.00 $3,550.00 Annual Payroll Deduction (Family) $9,120.00 $6,360.00 $4,080.00 Company HSA Contribution $0.00 $0.00 ($1,000.00) Karen's Total Costs $10,020.00 $7,260.00 $6,630.00 Based on Karen’s prior experience, the HDHP Plan would be $630 less expensive than the Standard PPO and perhaps the best choice for her coverage UHC Tools & Resources More Impact Download the Health4Me mobile app on your smart phone or tablet for the easiest access to tools and resources on-the-go relating to your insurance, including: ▪ ID Card ▪ Virtual Visit Benefits More More ▪ Finding Network Doctors Acceleration Opportunity ▪ Claims History Virtual Visits More Available to Enhanced and Standard PPO participants Impact at no cost, HDHP participants for less than $50. ▪ Video chat with a board-certified doctor on your mobile device, tablet or computer. ▪ Doctors can give you a diagnosis and even write you a prescription if needed ▪ No appointments necessary, visits take 10-15 More More minutes, and are available 24 hours a day, 7 days aAcceleration Opportunity week Register at uhc.com/virtualvisit Other Programs More Impact Available to all employees enrolled in a DAN sponsored medical plan: ▪ Real Appeal is an effective science-based weight loss program offered at no cost ▪ Maternity Support for If you’re expecting; enroll in program and gain access to a maternity nurse who will help guide you during your pregnancy and up to 6 weeks after your baby is born. More More ▪ Spine and Joint Solutions directs you to Centers of ExcellenceAcceleration to get better care for Opportunity serious back, knee, or hip pain at a lower cost One Medical Same and next day appointments that start on time I had a wonderful first “ Connect you your provider 24/7 experience. Facility was super through the mobile app clean and nice. Appointment Membership fee waived for was easy to make, quick and employees in NYC, BOS, CHI, and SF seamless process. Not a “ thing I would change! Sign up at onemedical.com/myhealth, use code DNTONE DAN Employee Feedback Saving Accounts 101 Fast Facts Health Savings Account (HSA) Healthcare FSA Dependent Care FSA Administrator Optum Bank (UHC) YSA YSA Any benefit eligible employee Who can enroll? HDHP enrollees only All benefit eligible employees Whether or not you not in the HDHP are enrolled in our Yes. Up to $500 for single medical plans, you Is there a company coverage; $1,000 for family No No have access to contribution? additional tax-free coverage Up to $3,000 for single tools to save on your How much can I coverage; $6,000 for family $2,700 annually $5,000 annually contribute? out of pocket coverage healthcare (OOP) What do I use the money costs. OOP health care expenses OOP health care expenses Dependent day care for? When is the money You can access the funds as You can access your entire You can access the funds as available? they are deposited annual election on January 1st they are deposited Can I lose any unused Yes, you will forfeit any unused Yes, you will forfeit any unused No monies? balances greater than $500 balances Delta Dental Plans Semi-Monthly More Standard Enhanced Premiums Impact Two plan options available EE Only $6.00 $10.00 EE + Spouse/DP $12.00 $20.00 Orthodontia coverage w/ a lifetime EE + Child(ren) $13.00 $23.00 maximum of $2,000 for Enhanced plan Family $18.00 $32.00 members only Plan Features Network OON Network OON Access to dentists within two provider Deductible $50.00 $150.00 $50.00 $150.00 networks for better cost savings More More Annual Maximum Acceleration$1,000.00 Opportunity$2,000.00 # of Preventative Visits 2 3 Download the Delta Dental Mobile app Coverage for easy access to your coverage, claims, and ID cards! Preventative 100% 100% 100% 100% Basic 80% 80% 100% 80% Major 50% 50% 60% 50% Orthodontia Not covered 50% up to $2,000 (lifetime) Semi-Monthly Vision Plan Premiums EE Only $7.27 EE + Spouse/DP $14.54 EE + Child(ren) More $15.56 Family Impact $24.86 • One plan available to all employees Plan Features In Network OON • Visit in-network providers to maximize this Exam $10 copay Up to $45 benefit Reimbursement Lenses $25 copay range $30-$100 based • Plan covers annual eye exam, frames and on lens type lens fitting ($35 copay in-network) More $200 Allowance + More FramesAcceleration 20% amt over OpportunityUp to $70 • Download VSP Vision Care On the Go to allowance check your coverage, find your vision $160 allowance for Elective Contacts Up to $105 provider, and shop eyewear! contacts Average 15% off Laser Vision Correction regular price or 5% Not Covered promo price Family Benefits Bright Horizons More Start Making your LifeImpact Easier.