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Be well.Were here to help you. Find your 2018 benefits
information inside.
Health Care CoverageGetting Answers
And More ...
QuestionsIf you have questions that arent answered in this guide, visit capitalonebenefitsite.com to send an email or chat live with a service representative. You can also use these telephone and online resources to get answers.
Have Questions About Company Phone/Web AppBenefitsMedical Be Well Care Center at Anthem
Blue Cross Blue Shield (Member Services Health Guide)
1-844-390-4133 or anthem.com/capitalone
Prescription Drug CVS Caremark 1-877-210-3556 or caremark.com
Dental Delta Dental 1-844-344-8006 or deltadentalva.com
Vision Anthem Blue View Vision 1-866-723-0515 or anthem.com/capitalone
Fertility and New Parent Benefits
WINFertilityMilk Stork
1-844-323-7539 or winfertility.com/capital-one/1-888-207-6909 or milkstork.com/capitalone
Flexible Spending Accounts HealthEquity 1-844-341-4939, email [email protected] or myhealthequity.com
Be Well Rewards Program (Incentive Program)
Redbrick Health (Be Well Rewards Program)
1-844-894-WELL (844-894-9355) or MyRedBrick.com/BeWellBenefits
Shopping for Care Castlight Health (Capital One Medical Plan Participants)
1-866-970-2314 or https://mycastlight.com/capitalone/ or [email protected]
Telemedicine LiveHealth Online 888-LiveHealth (548-3432) or email [email protected]
Life and AD&PL Insurance The Hartford 1-877-867-4790
Short-Term Disability Sedgwick 1-844-321-CAP1 or https://claimlookup.com/capitalone
Long-Term Disability Cigna 1-800-238-2125 or mycigna.com
401(k) Associate Savings Plan Capital One Retirement Savings Center (Fidelity Investments)
1-800-854-4015 or netbenefits.com
Commuter Benefits WageWorks 1-877-924-3967 or wageworks.com
Associate Stock Purchase Plan Equity Administrator [email protected]
Educational Assistance EdAssist 1-855-789-3852 or https://capitalone.edassist.com
Adoption/Surrogacy Reimbursement
Anthem EAP 1-855-383-7222 or anthemeap.com (login: Capital One)
Employee Assistance Program Anthem EAP 1-855-383-7222 or anthemeap.com (login: Capital One)
Back-Up Child and Family Care Bright Horizons 1-877-242-2737 or go to careadvantage.com/capitalone User name: CapitalOne Password: Bewell
College Coach College Coach 1-877-527-3550 or https://passport.getintocollege.com
Other
Enrolling or Making Health and Welfare Benefits Changes
Capital One Benefits Center 1-888-376-8836 or capitalonebenefitsite.com
Enrolling or Making Benefit Changes to Your 401(k) Participation (may be done at any time during the year)
Capital One Retirement Savings Center
(Fidelity Investments)
1-800-854-4015 or netbenefits.com
Annual Enrollment (general questions and eligibility)
Capital One Benefits Center Call 1-888-376-8836
Passwords (for help with Capital One Benefit Site passwords)
Capital One Benefits Center Call 1-888-376-8836
COBRA Coverage and Enrollment
Anthem Blue Cross Blue Shield 1-877-775-9393 benefitadminsolutions.com Select Anthem Blue Cross Blue Shield (Anthem)
from drop-down
Health Insurance Is RequiredKeep in mind that all Americans (with a few exceptions) are required to be covered under basic health insurance coverage or pay a penalty when filing their federal income tax returns. Enrolling in a health plan offered through Capital One will meet this requirement.
Qualified individuals have the opportunity to purchase their 2018 health insurance through the public health insurance marketplace (often referred to as an exchange). As a Capital One associate, youre offered comprehensive, affordable insurance that likely provides better coverage at a lower cost, so selecting one of the companys health plans may be a better option for you.
Inside This GuideHealth and Welfare Plan Eligibility ............................................................................................................1How to Enroll ................................................................................................................................................ 2Whats New ................................................................................................................................................... 3Cost of Coverage .......................................................................................................................................... 4Medical Coverage ..........................................................................................................................................7Compare Your Medical Plan Options ....................................................................................................... 11Additional Medical Programs ...................................................................................................................13Prescription Drug Coverage ......................................................................................................................15Dental Coverage ..........................................................................................................................................17Vision Coverage ...........................................................................................................................................19Flexible Spending Accounts (FSAs) .........................................................................................................21Be Well Programs ....................................................................................................................................... 25Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance ................................................................................................... 27Disability Insurance ................................................................................................................................... 29Associate Stock Purchase Plan ................................................................................................................ 30401(k) Associate Savings Plan .................................................................................................................31Commuter Benefits .................................................................................................................................... 32Educational Assistance ............................................................................................................................. 32Employee Assistance Program ................................................................................................................ 33Time-Off Programs .................................................................................................................................... 33Adoption & Surrogacy Reimbursement ................................................................................................. 34Parental Leave ..................................................................................................................................... 3435Back-Up Child and Family Care ................................................................................................................ 35College Coach ............................................................................................................................................. 35Appendix...................................................................................................................................................... 36
How to Use This GuideInside you will find an overview of your 2018 benefits, coverage costs and tips to help you think about your needs and choose benefits that work best for your family and finances. Be sure to read this Benefits Guide before enrolling and refer to it during the year. If you prefer to view this information online or access forms described in this guide visit mybewellbenefits.com.
1
Health and Welfare Plan EligibilityYour eligibility for Capital Ones Health and Welfare plans is based on your employment status.If youre a full-time associate, youre eligible for Capital One benefits on your date of hire. If youre a part-time associate (regularly scheduled to work at least 20 standard hours per week as maintained in Capital Ones system of record, Workday), youre eligible for Capital One health benefits (except Short-Term Disability) after 90 days of employment. If youre rehired any time by Capital One as a part-time associate, you must have completed 90 days of full-time or part-time service before your original departure to be eligible for health benefits on date of rehire.The Patient Protection and Affordable Care Act (the Health Care Reform law) requires employers with 100 or more employees to offer affordable health care coverage to full-time employees who work an average of 30 or more hours per week. Capital One eligibility guidelines already meetand exceedthis requirement. Were including additional measures to ensure all associates who could meet the eligibility criteria set forth by the law are eligible for our health benefits.If youre a part-time associate regularly scheduled to work fewer than 20 standard hours per week as maintained in Capital Ones system of record, (Workday), you are typically ineligible for benefits. However, if you meet the required average of 30 hours of service per week as defined by the Health Care Reform regulations, you may be eligible for health benefits (except Short-Term Disability and the vacation/paid time-off program) after 90 days of employment. Well monitor service hours