What’s New for 2020

What’s New for 2020
Learn More About Your Benefits
Live Well Every Day, in Every Way with Camp B-Well

What’s New for 2020

medical icon
Medical plan additions

 

Starting in 2020, your medical coverage is getting even better! We’ve worked with our partners to provide several enhancements to many of our medical plans, ensuring you and your family receive the best care for the best price. View the 2020 medical plan comparison chart for more information about the plans.

Aetna & UnitedHealthcare (UHC)

  • Centers of Excellence (COE)
    Through COE, Aetna and UHC partner with specialists and expert resources to provide the highest-quality care, offering better results and fewer complications. When you utilize COE for select conditions, treatment may be covered at 100%, including travel benefits. Covered procedures include:
    • Bariatric surgery, such as lap bands, bypass, sleeve gastrectomy
    • Cardiac, such as open-heart surgery, angioplasty, and stent procedures
    • Orthopedic, such as total knee replacement surgery, total hip replacement surgery, and spine surgery
    • Transplants, such as bone marrow and kidney transplant
  • Hospital-grade breast pumps
    Because some mothers and their children benefit from a more robust breast pump typically used in clinical settings, our medical plans will now allow coverage for hospital-grade breast pumps.
  • Backup wheelchair benefits
    For those who qualify for the wheelchair benefit, the plan will now allow up to $3,000 every three years for a secondary wheelchair or recreational chair to support hobbies that require special equipment.
  • Applied Behavior Analysis (ABA) therapy
    To help you expedite the process for obtaining ABA therapy as a treatment for autism, rigorous pre-certification approval has been eliminated.
  • Transgender enhancements
    Our medical plan coverage will now cover facial feminization procedures such as tracheal shaving and facial hair removal for our transgender employees.

Aetna

  • MinuteClinic
    Visits to any in-network CVS MinuteClinic walk-in clinics will be offered at no or low cost as part of preventive and non-preventive services currently covered under your plan. The EPO and PPO plans will provide this benefit at zero cost, while the HDHP Premium and Standard plans will offer this benefit at zero cost after you’ve met your deductible.
  • Habilitative therapies
    The medical plans will now cover habilitative physical, occupational, and speech therapy (PT/OT/ST) without any age, cost, or visit limits for autism and developmental delays.

Kaiser

  • CVS MinuteClinic partnership
    If you or your covered family members are traveling outside of your active region, you can now receive non-urgent healthcare services for conditions such as colds, ear infections, allergies, and more through MinuteClinic locations inside of CVS and Target stores. You’ll pay the standard copay without having to file for reimbursement. All you need to do is present your Kaiser ID card at the time of service.

2020 Monthly premiums

Due to constantly increasing medical costs, your paycheck costs will increase for all medical plan coverage except for employee-only coverage for the HDHP Standard plan.

Aetna & UHC PPO

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$85

$92

$7

EE + Spouse

$273

$295

$22

EE + Child(ren)

$235

$254

$19

EE + Family

$452 $488 $36

Aetna & UHC HDHP Premium

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$47

$51

$4

EE + Spouse

$143

$154

$11

EE + Child(ren)

$120

$130

$10

EE + Family

$248 $268 $20

Aetna & UHC HDHP Standard

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$0

$0

$0

EE + Spouse

$68

$73

$5

EE + Child(ren)

$60

$65

$5

EE + Family

$117 $126 $9

Aetna & UHC EPO

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$107

$116

$9

EE + Spouse

$305

$329

$24

EE + Child(ren)

$262

$283

$21

EE + Family

$493 $532 $39

Kaiser CA and OR

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$81

$87

$6

EE + Spouse

$233

$252

$19

EE + Child(ren)

$212

$229

$17

EE + Family

$368 $397 $29

Health Savings Account (HSA)

If you’re enrolled in the HDHP Premium or Standard plan through either Aetna or UnitedHealthcare (UHC), you can elect to contribute to a Health Savings Account (HSA). When you enroll in the HDHP Premium plan, Salesforce will contribute $750 (for employee-only coverage) or $1,500 (for family coverage) at the beginning of the year to get you started. And the money in your account can be used to pay your out-of-pocket healthcare expenses, and rolls over from year to year, earning tax-free interest. Remember that you’ll need to re-enroll each year to keep contributing to an HSA (even if you have money in your account). For 2020, IRS limits for the employee-only maximum contribution will increase to $3,550, and the family maximum contribution will increase to $7,100.

Flexible Spending Accounts (FSA)

Discover big savings when you enroll in a Flexible Spending Account (FSA). Through an FSA, you set aside pretax money to pay for eligible healthcare and/or dependent care expenses and never pay taxes on the dollars you set aside—helping you save cash. Remember that you’ll need to re-enroll each year to keep contributing to an FSA. Below are the FSA plan changes:

  • Healthcare Flexible Spending Account (HCFSA): The maximum contribution is increasing to $2,700. Keep in mind that if you're enrolled in the HDHP Premium or Standard plan and the HCFSA, your HCFSA will be limited and can only be used for eligible dental or vision expenses until you've met your medical deductible.
  • Dependent Care Flexible Spending Account (DCFSA): Now your hard-earned, pre-tax dollars can go even further toward dependent care costs. The Salesforce DCFSA maximum contribution limits are doubling to $5,000 for employees with on-target earnings (OTE) less than $250,000, as of October 1, 2019, due to IRS non-discrimination testing. For employees with OTE greater than or equal to $250,000 as of October 1, 2019, IRS non-discrimination requirements will still limit contributions to $2,500.

dental icon
Enhanced dental coverage

 

We love to see you happy, healthy, and smiling. That’s where dental care comes in! With the Delta Dental plans, you can keep your teeth and gums healthy by getting free checkups and exams each year. Plans include the following visits with a dentist:

  Cleanings Preventive Checkups Problem-Focused Exams (New)
Standard Twice a year Twice a year Once a year
Premium Three times a year Twice a year Twice a year

2020 Dental premiums

There will be no employee contribution changes to the Standard Delta Dental plan. The Premium Delta Dental plan will have modest employee contributions changes, as shown below:

Dental Standard

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$5

$5

$0

EE + Spouse

$30

$30

$0

EE + Child(ren)

$27

$27

$0

EE + Family

$50 $50 $0

Dental Premium

Coverage Type

2019 Monthly Premium

2020 Monthly Premium

Difference

EE Only

$11

$16

$5

EE + Spouse

$42

$53

$11

EE + Child(ren)

$39

$49

$10

EE + Family

$65 $80 $15

Watch the video below to learn more about what's changing for 2020.

 

 

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Live Well Every Day, in Every Way with Camp B-Well

Camp B-Well beeWe know that in order to do our best work, we must first take care of ourselves. With that in mind, we strive to offer comprehensive benefits packages that are inclusive of our entire team and support you and your family in all stages of your life journey.

At Salesforce, Camp B-Well is your destination for benefits, resources, and support that will help you live well every day, in every way.

It begins with Benefits Essentials as the foundation and builds with add-on programs that focus on our 5 pillars of wellbeing. You choose the programs that suit the needs of you and your family.

Camp Pono Essentials

Benefits Essentials

Global benefits that support your fundamental needs and provide care for your overall health and wellbeing.

  • Medical care
  • Life insurance
  • Retirement savings
  • Employee Assistance Programs
  • Time off
 

5 Pillars of Wellbeing

Nourish

Nourish
Fuel up on knowledge that will help you tackle your healthy-eating goals.

Revive

Revive
Recharge with resources for sleeping well, taking time off, and unplugging.

Move

Move
Do your body good with exercises and activities that work for your lifestyle.

Thrive

Thrive
Manage stress with benefits and programs that help you roll with life's punches.

Prosper

Prosper
Focus on your finances and gain knowledge that will help you plan for your future.

 

 

Take our Enhance Employee Wellbeing with Camp B-Well trail to access some of the tips and videos we have to support you on your wellbeing journey. This trail is open to the public, so feel free to share with any friends and family you think can benefit from it.

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