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FAQs

Yes. You must enroll in your benefits through Benefitsolver to have the coverage you want for 2022. Your current benefit elections will not transfer automatically to Benefitsolver, except for life insurance and AD&D insurance.

If you don’t enroll:

  • You’ll be enrolled automatically in
    • Employee-only coverage in the Cigna HSA medical plan
    • Employee-only coverage in the Delta Dental 1.0 plan
    • Employee-only coverage in the VSP 1.0 vision plan
    • Pretax long-term disability option
    • Your current elections for life and AD&D insurance (no change)
  • You will have no NortonLifeLock or personal contributions to your Health Savings Account (HSA). You must enter a minimum annual contribution election amount of $0 to qualify for the employer contribution.
  • You will not be able to contribute to a Health Care or Dependent Care Flexible Spending Account (FSA) in 2022. To participate, you must re-enroll every year.

All U.S. employees scheduled to work at least 20 hours per week and their dependents, including spouse or domestic partner, children up to age 26, and children of any age who are disabled, provided the child was covered under the company’s benefits before he or she reached age 25.

Some providers in the Anthem network are not in the Cigna network. You can check to see if your doctor is in the Cigna network or find a new one at cigna.com.

For specific medical and behavioral conditions, you may be able to continue to receive services at in-network coverage levels through health care providers who aren’t in the Cigna network. This care is for a defined period of time until the safe transfer of care to an in-network provider or facility can be arranged. You must apply for Transition of Care at enrollment, or when there is a change in your medical plan, and no later than 30 days after the effective date of your coverage (i.e., by January 31, 2022, for coverage starting January 1, 2022). Use this Transition of Care request form.

Many of the programs and services enabled with Express Scripts will be transitioning to our new Cigna powered by Express Scripts pharmacy benefit, including prior authorizations, open refills, and mail order prescriptions currently in place. Your prescription information will be available on mycigna.com on January 1, 2022.

Yes, you can transfer the funds in your HealthEquity HSA to your new MyChoice Accounts HSA during Open Enrollment. If you want to transfer your current HSA balance to MyChoice Accounts, you must provide your online consent.

When you transfer your funds:

  • Continue to use your HealthEquity HSA debit card until January 19, 2022.
  • Watch for your new MyChoice Accounts HSA debit card, activate it, and start using it January 14, 2022. Your HSA balance will be transferred to MyChoice Accounts by February 3, 2022. There will be a blackout period from January 20 to February 3, 2022, when your HealthEquity HSA balance will not be available.

If you choose to keep your current HSA balance with HealthEquity:

  • You’ll have two HSA debit cards—one for HealthEquity and one for MyChoice Accounts.
  • HealthEquity will charge you a $3.95 monthly service fee to maintain the account.

  • The investment holdings cannot be transferred to MyChoice Accounts. If the investment holdings are not fully liquidated, neither the cash nor investment balance can be transferred as part of the bulk transfer.
  • You can keep your investment holdings at HealthEquity and consent to have your cash balance transferred to MyChoice Accounts; however, this would have to be done as an individual transfer working directly with HealthEquity as opposed to the scheduled bulk transfer.
  • If you liquidate your investments at HealthEquity by January 12, 2022, then your entire balance can be transferred to MyChoice Accounts. Also, in California or New Jersey, you will owe state tax on any investment earnings upon liquidation.
  • If you invest through the “Advisor Auto Pilot” service, you will need to cancel your subscription.

You must enroll during Open Enrollment if you want to participate in a MyChoice Accounts Health Care FSA, Limited Purpose FSA, or Dependent Care FSA in 2022. You will receive a new debit card to pay for eligible expenses..

For all eligible 2021 expenses:

  • Use your HealthEquity FSA debit card to pay for expenses through December 31, 2021.
  • Submit your 2021 FSA reimbursement claims after December 31, 2021, to HealthEquity by March 31, 2022. 

For eligible expenses incurred starting in 2022:

  • Use your new MyChoice Accounts debit card to pay for eligible expenses starting on January 1, 2022.
  • Submit any 2022 FSA reimbursement claims to MyChoice Accounts by March 31, 2023.

If you have just been hired or have had a status change, you must submit your elections for both plan years in a two-step process. The first enrollment will cover your benefits for 2021; Open Enrollment is for 2022 benefits.

1. Enroll in 2021 Benefits

  • Complete your 2021 enrollment at myplansconnect.com/nortonlifelock (or through MyPlansConnect on MyApps).
  • If you do not wish to be enrolled in NLOK’s health plans, you will need to waive coverage. If you do not elect to waive, you will be enrolled automatically in 2021 coverage:
    • Medical: employee-only coverage in the Anthem Health Savings Account (HSA) plan
    • Dental: employee-only coverage in the Delta Dental 1.0 plan
    • Vision: employee-only coverage in the VSP 1.0 plan
    • Long-term disability: pretax option
    • Basic life insurance: 2 times your salary or on-target earnings
    • Accidental death and dismemberment insurance: 2 times your salary or on target earnings
    • 401(k) retirement plan: pretax contribution at 7% of pay

2. Enroll in 2022 Benefits

  • Complete your 2022 benefits enrollment at benefitsolver.com (or through Benefitsolver on MyApps).
  • If you do not wish to be enrolled in NLOK’s health plans, you will need to waive coverage. If you do not elect to waive, you will be enrolled automatically in 2022 coverage.

If You Enroll in Your 2021 Benefits and Do Not Enroll Separately in 2022 Benefits:

  • You will be enrolled automatically in 2022 coverage:
    • Medical: employee-only coverage in the Cigna Health Savings Account (HSA) plan
    • Dental: employee-only coverage in the Delta Dental 1.0 plan
    • Vision: employee-only coverage in the VSP 1.0 plan
  • You’ll be enrolled automatically in the pretax long-term disability option and your current 2021 elections for life and AD&D insurance.
  • Your Health Savings Account (HSA) contributions will stop on December 31, 2021.
  • You will not be able to contribute to a Health Care or Dependent Care Flexible Spending Account in 2022.

The Benefits department will mail information to your home, outlining what benefit changes you need to make (including medical, dental, vision, and Health Care FSA).

You are not eligible to change critical illness insurance, Dependent Care FSAs, or life and AD&D insurance while on LOA. Employees on an approved long-term disability LOA cannot make changes to their LTD coverage during Open Enrollment.

If your spouse/domestic partner has coverage available to them through their employer, but you still choose to enroll them in your medical plan, you will be subject to a $50 per month additional cost in your medical premiums through your paycheck deductions. You should consider your options for coverage and costs to determine whether it makes sense to enroll your spouse or domestic partner in your plan.

Visit benefitsolver.com (or through Benefitsolver on MyApps).

Resources

  • Review the information on this website.
  • Reach out to Cigna One Guide 24/7 at 1-888-806-5042 or at cigna.com. A representative can help you decide which medical plans best meet your needs and how to make the most of your benefits.
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