Medical and RX

Your deductible is the amount you must pay for medical care before your plan starts to pay benefits. Once you meet your deductible amount, your plan will pay for a share of your medical expenses.

Note: For the HSA plan, you must meet your calendar-year deductible before pharmacy co-insurance and copays apply.

Out-of-Pocket Maximums

The highest amount you have to pay during the year is the out-of-pocket maximum. The plan pays 100% once you reach your out-of-pocket maximum.

For a detailed, side-by-side comparison of coverage among the plans, review your 2019 Benefits Plan Comparison Chart

Look It Up! : Want to know what terms like deductible or coinsurance mean? See the Glossary

• Amounts shown are deducted from your paycheck on a pre-tax basis (excluding contributions made for a domestic partner and/or a partner’s children).
• Items that will impact how much comes out of your paycheck:
• If you or your spouse/domestic partner uses tobacco products (e.g., cigarettes, e-cigarettes, pipes, cigars, and smokeless tobacco, also known as chew, dip, or snuff), your medical plan premium will be higher by $50 per pay period (employee-only or spouse/domestic partner-only) or $100/pay period (employee + spouse/domestic partner). You and your spouse/domestic partner will need to self-identify as a tobacco user during the online enrollment process.
• You will be asked to confirm if your spouse/domestic partner has access to medical coverage through his/her employer. If he/she does and you elect to cover him/her on the Symantec plan, an additional $50 per month will be added to your paycheck contributions for your medical plan coverage.

Collective Health is our medical plan partner, providing you with personalized, concierge-level service for your Anthem network plans. Our prescription drug, dental and vision coverage is also be integrated within the innovative, leading-edge technology platform that Collective Health manages.

Think of Collective Health as your one-stop shop for all your medical, prescription drug, dental, and vision coverage needs:

• Online: Your personalized Collective Health web account makes it easy for you to track spending, find doctors, and better understand your plan.
• Mobile: Collective Health’s mobile app makes it easy to manage your health benefits on the go.
• Member Advocates: When you just need a real person, Collective Health's Member Advocate team is there for you by email, call, or chat.

Continuing Your Care in Anthem’s network in the middle of medical treatment? There are two ways your care can be transferred/may be continued through your current provider:

1. Transition of Care (TOC) – the process of Anthem obtaining a listing of employees from Cigna who are currently in treatment for certain defined conditions that were being case managed by Cigna and active pre-certification approvals to ensure the members’ care is not interrupted.
2. Continuation of Care (COC) – the temporary approval for certain services rendered by an out-of-network provider to be paid at the in-network level of benefits when a new member is first enrolled onto Anthem’s plan and either needs to finish the treatment plan with the current provider (example is pregnancy) or needs to move their care to a participating provider.  Please review the Continuation of Care Form for additional details.

If you have any questions about continuing you care, contact Collective Health, our medical plan partner per the information below.

Need help understanding our Anthem plans? Contact Collective Health, our medical plan partner.

• Call them at 1-833-834-1157.
• Send an email to help@collectivehealth.com.
• Find an Anthem provider at join.collectivehealth.com/Symantec. Go to “Find Care”.

What is it?

The HSA is a personal savings account in your name that helps you accumulate tax-free money to pay for qualified health care expenses. You can only contribute to an HSA if you enroll in the Anthem HSA medical plan.  It works like this:

1. When you enroll in the Anthem HSA medical plan, an account (similar to a bank account) will automatically be opened for you with Health Equity, which has more than two million members and provides best-in-class HSA services.
2. Symantec contributes funds to your HSA at the beginning of the year
3. You may also choose to contribute your own pre-tax money to your HSA during the Open Enrollment process or make changes any time throughout the year, so you save on income taxes.
   Note: Please do not click on the REMOVE button during the enrollment process when you are in the HSA amount election page.  This will remove both your contributions as well as Symantec’s contribution.
4. You can choose to use your HSA balance to pay eligible health care expenses during the year, like your annual deductible or coinsurance, or save for your future retirement. For a complete list of qualified medical expenses, visit https://dpath.com/hsa-eligible-expenses/  Or, you can rollover your balance to build a savings account for future health care expenses.

• Must be covered ONLY by an HSA-qualified health plan (such as the Anthem HSA Medical Plan).  Other health coverage (other traditional health plans or Medicare) may disqualify you.
• Cannot have a full purpose FSA (including through a spouse)
• Not be claimed as a dependent on someone else’s tax return

Note that both your and Symantec’s contributions count toward the annual limit. The money in your HSA always belongs to you—even if you change to a different medical plan in the future or leave the Company.

1. Pay less. The HSA medical plan has the lowest premium, which means less out of your paycheck to participate in this medical plan.
2. Triple-tax advantage. With an HSA, you save on taxes in three ways:

• You may have money automatically deducted from your paycheck and deposited into your HSA on a before-tax basis, so you save on income taxes. And if you’re age 55 or older, you may contribute an additional $1,000 annually as a “catch-up” contribution.
• Any interest or earnings on your money build tax-free.*
• You can withdraw the money tax-free to pay for eligible health expenses.*

*Money in an HSA grows tax-free and can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses (a list of eligible expenses can be found in IRS Publication 502, available at www.irs.gov). If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn in addition to a 20% penalty if you are under age 65.

• HSA funds roll over. Any unused funds in your HSA roll over year after year, and you can take your HSA with you if you retire or leave Symantec.

How do I access my HSA funds?

Learn More About the HSA: Watch a short video that explains how the HSA works

Once enrolled, you’ll be able to sign up for your Collective Health member portal.  Once you log in, you’ll find a direct link to Health Equity’s website which allows you to manage your funds. http://www.healthequity.com/  or 1-866-346-5800