1. 2019 USA Benefits Open Enrollment

2. 2019 USA BENEFITS OPEN ENROLLMENT
When is Benefits Open Enrollment?
Key Information For 2019 Open Enrollment
2019 Medical Plans
2019 Dental and Vision Plans
2019 Health Savings Accounts (HSA) and Flexible Spending Accounts (FSAs)
Other Benefit Plans Paid by Genesys
Other Voluntary Benefits to Consider
How to Enroll/Make Changes for 2019
Questions

3. WhEN is BENEFITS 2019 open enrollment?
Benefits 2019 Open Enrollment is November 12th through November 30th for coverage beginning 1/1/2019
Our annual Benefits Open Enrollment period is your opportunity to:
Make changes to your medical, dental, vision and voluntary benefits for the 2019 plan year
Add or remove eligible/covered dependents
Contribute to Flexible Spending Accounts (FSAs) and/or Health Savings Accounts (HSA) You must re-enroll!
Enroll in or drop Legal Plan coverage, AFLAC Hospital and/or Critical Illness coverage, MetLife pet, auto or home insurance
Review and update beneficiary information
What do employees need to do during 2019 OE?
If you plan to participate in a Health Savings Account (HSA) or Flexible Spending Account (FSA), you must enroll and make your contribution election for 2019 during OE; 2018 elections do NOT carry over to 2019
If you do not complete the online enrollment, your 2018 elections for all other benefits will remain in effect for 2019

4. KEY INFORMATION FOR 2019 OPEN ENROLLMENT
Same Options…Same Cost
All current benefit vendors and benefit plans remain the same in 2019
No increases to current medical, dental, vision and legal plan premiums; Genesys is covering all medical increases in 2019! (Note: employees who change salary tiers will see their medical premiums move to the new medical premium tier)
Employees who have voluntary life and AD&D insurance may have increased premiums due to moving to new age band/rates and April 1st salary increase
Enrollment: BenefitsNow Enrollment Site
Online enrollment required for 2019 HSA and FSA contributions; 2018 elections do NOT carryover into 2019
If you do nothing or do not finalize your 2019 open enrollment, all other 2018 benefit elections will rollover into 2019
Access through or directly at
Medical: Four UnitedHealthcare (UHC) Medical Plans
California employees will continue to have Kaiser HMO as a fifth option
Dental: 2 dental plans offered by Anthem
Vision: 2 vision plans offered by VSP

5. KEY INFORMATION FOR 2019 OPEN ENROLLMENT (continued)
Health Savings Account (HSA):
Your 2018 election will end on December 31, 2018
If you want to participate in 2019, you must enroll in the Health Savings Account (HSA)
If you elect an HDHP medical plan, Genesys will contribute to your account based on your coverage tier
Employees must open an HSA account with WageWorks in order to receive Genesys and employee contributions (if you do not currently have an HSA account)
$750 for employee only coverage (contributed at beginning of each quarter)
$1,500 for all other coverage levels (contributed at beginning of each quarter)
IRS annual limits increased to $3,500 (employee only coverage) and $7,000 (employee + dependents coverage); these amounts include Genesys contributions, so budget accordingly
Flexible Spending Accounts (FSAs)
If you want to participate in 2019, you must enroll in the Health Care FSA and/or a Dependent Care FSA
Health Care FSA is available only to employees enrolled in the UHC PPO, Kaiser HMO or who have declined medical coverage through Genesys
Administered through WageWorks – you must set up an account at if you don’t already have one
Limited Purpose Flexible Spending Account (FSA)
If you want to participate in 2019, you must enroll in the Limited Purpose FSA
Available ONLY to employees enrolled in a United Health Care HDHP Medical Plan
Money contributed to this FSA can only be used for dental and vision expenses (you can use your HSA for medical expenses)

6. 2019 Medical plans
Genesys offers three United Health Care (UHC) HDHP medical plans and one United Health Care (UHC) PPO medical plan. Kaiser HMO is available as a fifth option in California only.
Visit
for all the details
Plans available to
all U.S. Employees
UHC HDHP Plan 1
UHC HDHP Plan 2
UHC HDHP Plan 3
UHC PPO Plan
Regional Plan
Kaiser HMO for California employees only
You may also elect to opt out of Genesys medical coverage.
Please note that the federal government requires you to have appropriate medical coverage. Penalties apply if you don’t.

7. 2019 Medical plans – the HDHP Plans
Among the most important differences between the UHC HDHP Plans are the deductible amounts and how the family deductible works – aggregate vs. embedded family deductible. The Genesys HSA funding is the same for all three plans.
2019 UnitedHealthcare (UHC) HDHP Options
HDHP PLAN 1
HDHP PLAN 2
HDHP PLAN 3
IN-NETWORK
OUT- OF NETWORK*
OUT- OF-NETWORK*
OUT-OF-NETWORK*
Deductible
$2,000 individual /
$2,700 family
$4,000 family
$2,700 individual /
$1,500 individual /
$3,000 individual /
$6,000 family
Type of Family Deductible
Aggregate
Embedded
HSA Funds
by Genesys **
$750 individual / $1,500 family
Out-of-Pocket Maximum ***
$4,000 individual
$6,550 family
$8,000 family
$2,700 individual
$3,000 individual
$6,000 individual
$12,000 family
Preventive Care
$0;
deductible waived
Not covered
Most Other Services
you pay 20% after deductible
you pay 40% after deductible
you pay 0% after deductible
you pay 30% after deductible
you pay 10% after deductible
you pay 30% after deductible
Note: The UHC PPO and Kaiser HMO have $0 deductibles
Embedded Family Deductible (HDHP Plan 2): If one covered family member has enough expenses in a given year to meet the individual deductible, the plan will begin paying a portion of that family member’s expenses for the remainder of the year. You do not have to meet the full family deductible before the plan begins to pay.
Aggregate Family Deductible (HDHP Plans 1 & 3): The full family deductible must be met before the plan begins to pay a portion of expenses for any covered family members.

8. HOW TO FIND AN IN-NETWORK MEDICAL PROVIDER
United Health Care
Kaiser

9. 2019 semi-monthly medical contribution rates
California Employees
Contribution rates for
Kaiser HMO coverage
are available on

10. 2019 Anthem dental plans
Two plans available under our Anthem dental benefit:
Standard Plan
Enhanced Plan
Annual Deductible
$50 individual
$100 family
None
Annual Benefit Maximum
$1,500 per person
$2,250 per person
Preventive & Diagnostic Services*
100%
Basic Services*
Example: Fillings
80%
Basic or Major*
Example: Crowns
50%
Orthodontia*
$1,500 per person lifetime maximum
$1,750 per person lifetime maximum
Both plans provide benefits for out-of-network services.
However, you may save by using Anthem dental network providers who have agreed to negotiated rates.
*Reasonable and customary limits will be applied for out-of-network coverage.
Visit for plan details

11. 2019 vsp vision plans
Two plans available under our VSP vision benefit:
VSP Core Plan
VSP Buy-Up Plan
Frequency
Eye Exam
$10 copay
Every 12 months
Prescription Glasses
$25 copay
Frames
$150 allowance per person
($170 for featured frames)
+ 20% discount over allowance or $80 allowance at Costco
$200 allowance per person
($220 for featured frames)
+ 20% discount over allowance or
$110 allowance at Costco
Lenses
Included in Prescription Glasses
Single vision, lined bifocal, and line trifocal lenses
Polycarbonate lenses for dependent children
Lens Options
$50 - $160 copay, depending on lens type
(standard progressive, premium progressive, custom progressive)
Contact Lenses
(in lieu of glasses)
$0 copay
$130 allowance for contacts and contact lens exam
$200 allowance for contacts and contact lens exam
Visit for plan details, including out-of-network benefits.

12. 2019 semi-monthly Dental and vision contribution rates
Employee Only
Employee + Spouse/DP
Employee + Child(ren)
Employee + Family
Dental
Anthem Standard Plan
$4.00
$11.50
$11.00
$18.50
Anthem Enhanced Plan
$8.00
$19.50
$31.00
Vision
VSP Core Plan
$0.00
$.50
VSP Buy-Up Plan
$4.30
$6.84
$6.98
$11.25

13. 2019 Health Savings Account (HSA)
If you participate in one of the three UHC HDHP medical plans, you will have access to an HSA that you can use to save for current and future expenses. Genesys helps fund your HSA.
Your Medical
Coverage Level
Genesys will contribute….
You can contribute up to an additional…
2019 Total Contribution Limit
Employee
Only
$750*
$2,750
$3,500
All Other
Coverage Levels
$1,500*
$5,500
$7,000
If you are age 55 or older, you can contribute an additional $1,000 in 2019.
To enroll in the HSA if 2019 will be your first year in the HSA (use Internet Explorer) or for more information, visit
*Genesys contributions are spread over the year with a
deposit made in your the beginning of each
quarter based on your date of hire. !

14. 2019 Health Savings Account (HSA)
How a UHC HDHP Plan and HSA work together to provide coverage and save you money.
UHC HDHP Medical Plan
High Deductible Insurance
Provides 100% preventive care and protects you from big medical bills
Quarterly funding from Genesys
Health Savings Account (HSA)
Optional pretax contributions
from you
Withdraw money tax-free to help pay your deductible and other expenses
Rolls over year to year and goes with you if you leave Genesys

15. 2019 Flexible spending accounts (FSAs)
Health Care FSA
Limited Purpose FSA
Dependent Care FSA
Which medical plan can I have with
this account?
UHC PPO, Kaiser HMO (CA only), decline medical coverage
UHC HDHP Plan 1, 2 or 3
Any
How much can I contribute in 2019?
$50 - $2,650 pretax
(you may carry over up to $500 from
2018; any remaining funds over $500
are forfeited in accordance with IRS rules)
$50 - $5,000 pretax
What expenses can I pay with money from my account?
Qualifying medical, dental, vision and prescription expenses not paid by your medical plan (including deductibles coinsurance and copays)
Qualifying dental and vision expenses only (you can use your HSA for qualifying
medical expenses)
Eligible dependent care expenses you incur so you can work, including qualified baby sitters, nursery school, pre-school, elder care and more.
Eligible dependents include children up to age 13 and elderly parents who live in your home, depend on you for 50% of their support and are incapable of self-care.
You must re-enroll each year if you want to contribute to your FSA
Once enrolled, you may only change annual contributions if you have a Qualifying Life Event, such as marriage, divorce, addition or loss of a dependent, or change in spouse/domestic partner’s employment (must enroll within 31 days of Qualifying Life Event)
Documentation for your Qualifying Life Event must be submitted to the Benefits team !

16. 2019 benefits provided by genesys at no cost
You are automatically enrolled in additional benefits at no cost to you, including:
Basic Life and Accidental Death & Dismemberment (AD&D) Insurance
Basic life at 2x your annual salary
AD&D at 2x your annual salary
Please review your beneficiary information to make sure it is up to date (even if you aren’t changing your elections)
UHC Optum Employee Assistance Program (EAP)
Provides confidential information, support and referrals to you and your family members
8 face-to-face counseling sessions available per issue, per year
Issues include but are not limited to legal advice, financial advice, wellness, career
Disability Benefits
Salary continuation of 100% for the first 8 weeks of an illness or injury, then 70% for the next 18 weeks
LTD Benefit: after 26 weeks, 66 2/3% of your annual salary to a $15,000/monthly maximum benefit
Advocacy Services
Advocate to assist with claim issues, understanding your benefits, research and clinical information
Toll-free number to speak with an Advocate:
Available 24/7, Monday through Friday, excluding holidays

17. 2019 Other voluntary benefits to consider
You can purchase the following voluntary coverage for yourself and your family members:
AFLAC Critical Illness
Provides lump-sum cash benefit payment in the event of serious illness
Helps pay for expenses that are not covered by your medical plan
Not available if you are age 70 or older
AFLAC Hospital Indemnity
Provides a lump-sum cash benefit payment in the event you are admitted to the hospital or require surgery
CIGNA Voluntary Life Insurance
You can purchase supplemental coverage beyond what is provided by Genesys
CIGNA Voluntary Accidental Death and Dismemberment (AD&D) Insurance

18. 2019 Other voluntary benefits to consider (continued)
LegalZoom LifePlan (Legal Services)
Receive legal advice and services from a large network of attorneys
MetLife Home and Auto Insurance
Insurance coverage offered at group rates
MetLife Pet Insurance
Commuter Benefits
Use pretax dollars to pay for the cost of commuting to work on mass transit or parking
Sign up at
2019 IRS limits apply

19. Enroll through new Benefitsnow site
BenefitsNow is our enrollment site for 2019 Benefits Open Enrollment and future benefit changes.
Access BenefitsNow 24/7 from anywhere with internet access. Visit the Enrollment page on for a link, or go directly to
If this is your first time accessing the system, select Are you a new user? And follow the prompts to create your username and password. Then select Enroll Now.
STEP 1
Log on to BenefitsNow
STEP 2
Review your personal information
It is important that you review the personal information that has been pre-loaded into the system for you. Some information updates, including beneficiaries, personal address and mobile phone number, can be made right in the system. If you see other information that needs to be updated, send an to When you have verified all of the information, click Save and Continue.
STEP 3
Choose your benefits for 2019
The enrollment page shows your available 2019 benefits. If you plan to participate in the HSA or any of the FSA plans, you MUST actively enroll to participate in these benefits for You can use the Take Me Through Each Benefit button, or you can select individual benefits by using the View/Change button. Note that the default election for all other 2019 benefits is the same benefit plan you have in When done, click Complete Enrollment.
STEP 4
Print Confirmation Statement
Once you’ve completed enrollment, you will land on the Confirmation page where you can print a paper copy of the screen.
If you want to make a change, just log back on to BenefitsNow anytime before the end of Open Enrollment (November 30th) and complete the enrollment steps again.

20. Learn more: www.mygenesysbenefits.com
Convenient, easy access to the information and resources you need, including:
Plan Details
Enrollment Instructions
Contact Information
Resources

21. Benefit provider contact information
The following providers have online tools and information to help you with everything from choosing your benefits to getting and staying healthy

22. Who to cONTACT FOR HELp
General Questions
Genesys HR
Online Enrollment Questions & Plan Information
Your Benefits Resource Center
(844)
2019 US Benefits Enrollment Guide
Transition of Care Assistance
Advocacy Program
(866)
2019 Benefits Open Enrollment is Monday, November 12th through Friday, November 30th

23. 2019 BenefitsNow Enrollment Guide

24. Enroll through new Benefitsnow site
BenefitsNow is our enrollment site for 2019 Benefits Open Enrollment and future benefit changes.
Access BenefitsNow 24/7 from anywhere with internet access. Visit the Enrollment page on for a link, or go directly to
If this is your first time accessing the system, select Are you a new user? And follow the prompts to create your username and password. Then select Enroll Now.
STEP 1
Log on to BenefitsNow
STEP 2
Review your personal information
It is important that you review the personal information that has been pre-loaded into the system for you. Some information updates, including beneficiaries, personal address and mobile phone number, can be made right in the system. If you see other information that needs to be updated, send an to When you have verified all of the information, click Save and Continue.
STEP 3
Choose your benefits for 2019
The enrollment page shows your available 2019 benefits. If you plan to participate in the HSA or any of the FSA plans, you MUST actively enroll to participate in these benefits for You can use the Take Me Through Each Benefit button, or you can select individual benefits by using the View/Change button. Note that the default election for all other 2019 benefits is the same benefit plan you have in When done, click Complete Enrollment.
STEP 4
Print Confirmation Statement
Once you’ve completed enrollment, you will land on the Confirmation page where you can print a paper copy of the screen.
If you want to make a change, just log back on to BenefitsNow anytime before the end of Open Enrollment (November 30th) and complete the enrollment steps again.

25. Benefitsnow enrollment site home page

26. Benefitsnow – example Medical enrollment adding dependent(s)

27. Benefitsnow – example adding a dependent to medical coverage

28. Benefitsnow – example adding a dependent to medical coverage (con’t)

29. Benefitsnow – example medical enrollment options

30. Benefitsnow – example Health Savings Account election

31. Benefitsnow example Dependent care fsa election

32. Benefitsnow plans that require a beneficiary

33. Benefitsnow add beneficiary - basic life insurance

34. Benefitsnow add beneficiary - basic life insurance (continued)

35. Benefitsnow add beneficiary - basic life insurance (continued)

36. Learn more: www.mygenesysbenefits.com
Convenient, easy access to the information and resources you need, including:
Plan Details
Enrollment Instructions
Contact Information
Resources

37. What questions do you have?