October 7 - October 28, 2019

Up and Atom.It’s Open Enrollment!

*IfyoudonottakeactionduringOpenEnrollmentandarealreadyenrolled,youwillautomaticallybeenrolledinthenewplan.

It’s time to get ready.OpenEnrollmentisyourannualopportunitytoreviewyourbenefitscoverageandmakethechoicesthatarerightforyouandyourfamilyfortheyearahead.Seewhat’schangingfor2020andthenmakeyourelectionsbetweenOctober7andOctober28.

Learn what’s new for 2020! You’llfindsomeplanshavechanged.

MedicalAnthem plan changes:

• TheHighDeductibleHealthPlans(HDHPs)willberenamedHDHP1400(previouslyHDHP1350)andHDHP2800(previouslyHDHP2700).

• TheHDHP1400medicalplandeductibleis$1,400.TheHDHP2800medicalplandeductibleis$2,800.Thesedeductibleincreasesareduetolegislativechanges.

• Infertilityservices,includingprescriptiondrugs,arebeingaddedtotheAnthemHMOandHDHPs.

• TheAnthemHMOprescriptiondrugbrandcopayisincreasingfrom$45to$50.

Kaiser CA HMO plan changes:• Thephysicianofficevisitandurgentcarecopaysareincreasingfrom$15to$20.• Thespecialtyandbrandprescriptiondrugcopaysareincreasingto$50fora

30-daysupply.• Theinfertilityprescriptiondrugcopaysarechangingto50%coinsurance.

Comparing your medical plan options HereisabreakdownofmedicalplanchoicesandmonthlycostsinCalifornia

HDHP 2800(currentlycalledHDHP2700)*

HDHP 1400 (currentlycalledHDHP1350)*

Kaiser HMO Anthem HMO

Deductible $2,800perperson/$5,600perfamily

$1,400perperson/$2,800perfamily

Nodeductible Nodeductible

Monthly Plan CostEmployeeOnly $52 $125 $139 $164Employee+Spouse $124 $296 $339 $390Employee+Children $109 $261 $300 $343Employee+Family $194 $468 $542 $609

October 7 - October 28, 2019

VisionVision plan changes:

• TheVSPVisionplanhasbeenenhancedtocoverlenseseveryyearratherthaneveryotheryear.

• ThenetworkischangingtotheVSPChoiceNetwork.Makesureyoureyecareproviderisin-network.

Another Easy Way to Save Money… Checktoseeifyourmedical,dentalandvisionprovidersareincludedintheplan’snetwork.You’llalwayssavemoneywhenyoustayinthenetwork.

*IfyoudonottakeactionduringOpenEnrollmentandarealreadyenrolled,youwillautomaticallybeenrolledinthenewplan.

Benefits available at no cost to you:• Medical Evacuation and Repatriation (MER) – This

coverage,providedthroughourBusinessTravelAccidentPlan,automaticallyprovidesyouwithmedicalandtravelassistanceifyousufferamedicalemergencywhiletraveling100milesormoreawayfromhome.Thiscoverageisavailabletoyouandyourcoveredfamilymemberswhetheryouareonpersonalorbusinesstravel.

• Grand Rounds – Helpsyounavigatethehealthcaresystemwhendealingwithaseriousmedicalconditionorsurgery.

LogintoMyBenefitstolearnmoreabouttheseplans.

Grand Rounds Get Help with Expert Medical Guidance and Finding Doctors – at No Cost to YouGetanexpertopinionorhelpfindingahigh-qualitydoctoratnocosttoyou.GrandRoundsofferstwotypesofservicestoallemployeesenrolledinaCaltechmedicalplanandcoveredfamilymembers:

1. GrandRoundswillhelpyoufindthebestin-networkphysicianorspecialistinyourarea.

2. GrandRoundswilldeliveraremotesecondopinionfromatop-ratedspecialistforyou.

Need to find an in-network doctor? Use Grand Rounds when you: • Recentlymovedandneedtofindnewdoctors• Arelookingfornewdoctorsforyouoryourdependents• Needtolocateaspecialist

YourGrandRoundscareteamwillworkquicklytofindthetypeofdoctororspecialistyouarelookingfor,andensurethephysicianisinyournetwork.FormembersintheHDHPsandPPOs,GrandRoundscanalsohelpscheduleappointmentsonyourbehalf.

Need more answers? Use Grand Rounds if you: • Wouldlikeanexpert’ssecondopinionregardingadiagnosisortreatmentplan• Findyourselfconfrontingacomplexmedicalcondition• Wouldlikeyourmedicationsortreatmentplanreviewed• Arescheduledforsurgeryoramajorprocedure

WorkingwithGrandRoundsisfreeandgettingstartediseasy.Activateyouraccountonlineatgrandrounds.com/caltechorbycalling(800)929-0926.

Elect Your 2020 Benefits

Campus JPLTolearnmoreandenroll,gotoMyBenefits.caltech.eduorclickonMyBenefitsinaccess.caltech.

Tolearnmoreandenroll,gotoJPLSpaceandselectthe“MyBenefits”icon.

Sendquestionsto hrbenefits@caltech.edu. Questions? ContactAskHRbygoingtohr.jpl.nasa.gov andselectingorcalling(818)354-4447.

Go Mobile!YoucanaccesstheMyBenefitsenrollmentportalonyourphoneorothermobiledevicebyusingtheBenefitfocusmobileapp.It’seasytoviewyourcurrentelections,makeOpenEnrollmentelectionsandprocesslifeeventsfromwhereveryouare–24/7.JustdownloadthefreeBenefitfocusappfromtheAppleAppStoreorGooglePlayStore.Onceyoudownloadtheapp,loginwithyourCaltech/JPLusernameandpassword.Theactivationcodeiscaltech (casesensitive).

Reminder:YourHealthSavingsAccount(HSA)andFlexibleSpendingAccount(FSA)electionsdonotcarryoverfromyeartoyear.

Ifyou’dliketocontributetoaHealthFlexibleSpendingAccount(HFSA)orDependentDayCareFlexibleSpendingAccount(DCFSA)in2020,youmustmakeanewelectionduringOpenEnrollment.

In 2020, you can contribute up to the following amounts:• HSA:$3,550employeeonlyor$7,100family(employeesage55andoldercan

contributeanadditional$1,000peryear)• HFSA:$2,700• DCFSA:$5,000($2,500ifmarriedandfilingseparately)

Don’t forget, you can use the money in your HSA to pay eligible expenses in 2020 or anytime in the future, even when you are no longer enrolled in an HDHP.

1. Learn more about your 2020 benefits.ScantheQRcodebeloworvisit benefits.caltech.edu/openenrollmenttoviewthisinformationonlineandlearnaboutupcomingOpenEnrollmentevents.

2. Make your 2020 elections by October 28.

3. Certify eligibility for family members covered under the Caltech Health Plans.

4. It’s a good time to review your contributions or enroll in the TIAA Voluntary Retirement Plan.

5. Review and update your beneficiary information for life insurance and your TIAA retirement benefits through MyBenefits.