What You Need to Know for 2019

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Live Pono with the Help of Salesforce Benefits!
What’s New for 2019
2019 Monthly Medical, Dental, and Vision Costs
Enrollment Tips
Stay Focused on Your Wellbeing Year-Round

Live Pono with the Help of Salesforce Benefits!

At Salesforce we believe that taking care of yourself is key to your success—and our success as a company. That’s why we offer programs and resources to help you live well. Earlier this year, we introduced you to Camp Pono, our virtual wellbeing destination, to help you keep your health and happiness top of mind.

During this year’s Benefits Enrollment, think about how your Salesforce benefits can help you live pono in 2019. After all, Benefits Enrollment is your once-a-year opportunity to review your benefit options and personalize them to fit your unique needs.

Take a moment to check out what’s new and changing for 2019. And while you’re at it, spend some time exploring all the benefits that Salesforce offers. Benefits Enrollment is a great opportunity to learn about—and start taking advantage of—the plans and programs you may have been missing out on.

IMPORTANT: Benefits Enrollment is November 5–16, 2018. If you don’t take action by November 16, your current medical, dental, and vision coverage will continue. However, you’ll miss out on participating in the Health Care Flexible Spending Account (FSA), Dependent Care FSA, and Health Savings Account (HSA) in 2019. The benefits you elect will be effective January 1–December 31, 2019.

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How to Get Started

Step 1: Review your benefits options: What’s New for 20192019 Plan Comparison Chart & the 2019 Monthly Medical, Dental, and Vision Costs. For more information join a Benefits Enrollment Webinar (or view a previous webinar) or attend a Benefits Showcase to ask questions and hear from the experts.

Step 2: Make your selection. Use ALEX, your personal online and interactive benefits counselor to help you decide which medical plan to choose. Or view scenarios to see how others decide which medical plan is right for them.

Step 3: Submit your elections by November 16, 2018. Go to the Aloha Single Sign On (SSO) page and log in to Workday by clicking on the Workday tile. Check out these helpful Enrollment Tips to make sure you’ve covered your bases.

Questions? Log a case in Concierge via Salesforce1 or Aloha Single Sign On (VPN required) or call 1-855-376-5627. Need more help? Visit Concierge for support.

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What’s New for 2019

New schedule for Salesforce HSA contributions

Are you considering enrolling in the Premium HDHP in 2019? If so, we have an exciting new enhancement. Effective January 1, 2019, if you’re enrolled in the Premium HDHP, you’ll receive the full Salesforce contribution during the first pay period, in January, rather than receiving the contributions each pay period.

Why is this important? Salesforce contributes $750 for employee-only coverage or $1,500 for family coverage to your Health Savings Account (HSA). Which means that you can build your HSA nest egg faster and have money right away if you need medical care.

MetLife is our new Life, AD&D, and Long-Term Disability insurance provider

Our Basic Life, Supplemental Life, and Accidental Death and Dismemberment (AD&D) insurance provider is switching from Prudential to MetLife, and our Long-Term Disability provider is switching from The Standard to MetLife.

Good news: Your AD&D coverage is now 2x your on-target earnings. You don’t need to take any action and your coverage isn’t changing. Now might be a good time to reassess your coverage levels and enroll in or change your supplemental elections. Don't forget to double check that your beneficiaries are up to date!

Medical and vision plan enhancements

We’re making a few improvements to our medical and vision plans to give you and your family the coverage you need.

  • Nutrition counseling is now covered without diagnosis restrictions, up to 20 visits per year. A copay applies under the EPO and PPO plans and coinsurance applies under the HDHP plans.
  • Children will be covered for up to two vision exams per year. Children’s vision needs can change quickly. An additional exam every year could help catch small changes to their eyesight.
  • Techshield Blue anti-relective coating to reduce blue-light exposure is now covered under the VSP Vision Premium plan.
  • Noninvasive Prenatal Testing (NIPT)—a blood test that screens for the most common fetal chromosome anomalies, such as trisomy 21 and Down syndrome, and also determines the gender of the baby—is now available to women under 35 enrolled in any of the Aetna and UHC medical plans.

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2019 Monthly Medical, Dental, and Vision Premiums

Your paycheck costs for medical plans will increase slightly in 2019. Premiums for the existing dental and vision plans will remain the same. The following is your new monthly share of the premiums for coverage in 2019.

Medical

Aetna & UHC PPO

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$85

$85

$0

EE + Spouse

$258

$273

$15

EE + Child(ren)

$235

$235

$0

EE + Family

$426 $452 $26

 

 Aetna & UHC EPO

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$107

$107

$0

EE + Spouse

$288

$305

$17

EE + Child(ren)

$262

$262

$0

EE + Family

$465 $493 $28

 

 Aetna & UHC HDHP Premium

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$47

$47

$0

EE + Spouse

$135

$143

$8

EE + Child(ren)

$120

$120

$0

EE + Family

$234 $248 $14

 

 Aetna & UHC HDHP Standard

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$0

$0

$0

EE + Spouse

$68

$68

$0

EE + Child(ren)

$60

$60

$0

EE + Family

$117 $117 $0

 

 Kaiser CA and OR

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$74

$81

$7

EE + Spouse

$213

$233

$20

EE + Child(ren)

$194

$212

$18

EE + Family

$337 $368 $31

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Dental

 Dental Standard

Coverage Type

2018 Monthly Premium

2019 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

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$11

$11

$0

EE + Spouse

$42

$42

$0

EE + Child(ren)

$39

$39

$0

EE + Family

$65 $65 $0

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Vision

 Vision Standard

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$0

$0

$0

EE + Spouse

$0

$0

$0

EE + Child(ren)

$0

$0

$0

EE + Family

$0 $0 $0

 

 Vision Premium

Coverage Type

2018 Monthly Premium

2019 Monthly Premium

Difference

EE Only

$8

$8

$0

EE + Spouse

$17

$17

$0

EE + Child(ren)

$15

$15

$0

EE + Family

$25 $25 $0

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Enrollment Tips

Keep these in mind as you get ready to enroll for your 2019 benefits:

  • Be sure to have your dependents’ birthdates and Social Security numbers on hand when you’re enrolling them in coverage. This will save you time when you’re online and ready to enroll!
  • Make sure your beneficiaries are up to date for your life insurance (via Workday) and 401(k) Savings Plans (via Fidelity). Be sure your family has financial protection against the unexpected.
  • Make sure your address is up to date in Workday so you receive your new plan materials (including your ID card) before the first of the year.
  • If you’re enrolled in an HDHP, think about how much you typically spend on health care and your household budget. Then, make sure you’re contributing the right amount to your HSA to pay for expenses and save for the future.
  • Estimate your annual expenses carefully before making your Health Care and Dependent Care FSA elections, so you don’t lose money!

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Stay Focused on Your Wellbeing Year-Round

All of Salesforce’s medical plans cover in-network preventive care—like routine physicals, immunizations, and exams, at 100%—so you pay nothing for these services. Preventive care can help you build healthy habits and catch problems early on. Here are some other tips to help you stay on track:

  • Find a primary care physician (PCP) whom you trust and feel comfortable with to coordinate your care. Schedule a wellness visit with your PCP once a year.
  • Your doctor can help create a personalized wellness plan for you that includes diet, exercise, and even weight loss. Salesforce offers plenty of wellness resources to help you along your journey.
  • Plan ahead. Doctors spend an average of 10–20 minutes with patients, so come to the visit with a list of what you want to discuss.
  • No time to visit the doctor? Aetna, Kaiser, and UHC members can see a board-certified doctor anytime, anywhere through a virtual visit—no wait, no appointment needed. Call your health plan or log on to your plan’s website to access virtual visits. (Registration is required before using the service.)
  • Need some extra help? The Health Advocacy Program can help you resolve a wide range of health care and insurance-related issues. Available to benefits-eligible employees and their family members at no cost.
  • Get your flu shot! There are three ways to get a free flu shot: Attend a Benefits Showcase, use your Salesforce medical or prescription coverage at an in-network provider, or use the CVS flu shot voucher.

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