bebe
BENEFITS TO FIT YOUR STYLE
FY15 BENEFIT GUIDE
BEHAVIOR IS CURRENCY Before spring even starts to arrive in California we generally are already working on our benefits plans for the coming Fiscal Year but this year is a little different. Aside from Winter Storm “Vulcan” blowing in on this March day – who would have thought we’d ever get to “V” (!?!) – for the first time in many years, we aren’t making any changes to our plan design; not even to our returning theme Behavior is Currency so we had more time to spend making your Plans better.
ACCOUNTABILITY ac•count•abil•i•ty noun \ə-ˌkau̇n-tə-ˈbi-lə-tē\ : the quality or state of being accountable; especially : an obligation or willingness to accept responsibility or to account for one's actions
This, as I was reading today, at a time where 80% of companies have raised deductibles or are considering doing so as health costs increase, and about a third of companies have already increased deductibles or other cost-sharing provisions like copays, and 48% are considering similar moves. Most employers are looking for ways to trim expenses as health-care costs continue to rise and the Affordable Care Act increases the benefits that are required. UPS recently joined what is expected to be 20% of companies dropping coverage for employed spouses this year, and Home Depot sent some workers to government-sponsored insurance websites. We are not raising co-pay or deductibles on our PPO Savings Plan – again for the 5th year in a row. We are not dropping spousal coverage or making anyone fend for themselves on a government website to have medical insurance. In fact, for those considering healthcare.gov to comparison shop, our PPO Savings Plan ranks in between their Gold and Platinum plans in terms of coverage levels and in CA the PPO Gold costs $504 per month and the Platinum $577 per month to insure just me. Our PPO Savings Plan costs about $60 per month! That was the good news. The bad news is we do have to raise your contributions after keeping the rates on the PPO Savings Plan flat for over 5 years in a row. This modest increase helps defray the two biggest improvements in our plans: First, we did a soft-launch of Teladoc in February 2014. This remarkable service provides you and your eligible dependents with 24/7/365 access to U.S. board-certified doctors and pediatricians by phone or video. This convenient and affordable option allows you to talk to a doctor who can diagnose, recommend treatment, and prescribe medication when appropriate for many of your medical issues when you need it and from where ever you are at a fraction of the cost of an office visit. We are offering this benefit at only $40 per consult - compare that to an average of $150 per office visit. See page 5 in the Guide for more information. Second, because Behavior really is Currency we have entered into an agreement with a company called Castlight, who provides costs on shoppable medical procedures as well as ratings on physicians and facilities to direct you to the doctor with the best prices and the best outcomes. Think of it as Yelp meets Consumer Reports meets Trip Advisor. See page 23 in the guide for more information. Comparison shopping for the best price at the facility with the best outcomes keeps money in your pocket – where it belongs!
Charles Smith Senior Vice President Human Resources
2
BENEFITS TO FIT YOUR STYLE
bebe BENEFITS TO FIT YOUR STYLE
Overview......................................4 Getting Started................................6 Wellness......................................9 Understanding your Health Plan....13 Dental & Vision...............................24 Sustainable Lifestyle.......................28 BEHAVIOR IS CURRENCY
3
BENEFITS OVERVIEW bebe believes that our Associates are our most valuable asset and we understand the importance of quality healthcare for you and your family. That’s why we offer a comprehensive benefits package that provides a high level of care, as well as financial protection: from perks like discounts on our merchandise to benefits like Health Savings Accounts, a 401(k) Plan, ACTIVEHEALTH Rewards, and healthcare coverage that help you create a Blueprint for a Sustainable Lifestyle. These benefit programs help you and your family stay healthy, meet your financial goals, protect your income, and balance the demands of work and personal life. The following chart lists the benefit programs that are available to each category of eligible Associates (who otherwise met the eligibility requirements) and outlines whether bebe, you, or both contribute to the cost of the benefit. The bebe benefits package offers coverage under the following programs:
Eligibility by Benefit Program and Employee Type
Regular Full-Time Benefits Eligible Associate
Regular Part-Time Seasonal & Benefit Associate Temporary Paid for by < 24 hours/ Associate Associate week
Benefit Paid for by bebe
Health & Welfare Plans Medical Insurance
X
$
$
Dental Insurance
X
$
$
Vision Insurance
X
$
$
Health Savings Account (HSA)
X
$
$
Dependent Care Flexible Spending Account (FSA)
X
$
Basic Life Insurance
X
Voluntary Life Insurance
X
Accidental Death & Dismemberment (AD&D)
X
$
Short & Long Term Disability Insurance (STD & LTD)
X
$
Know Your Numbers
X
$
ACTIVEHEALTH Rewards
X
$
Wellness Discount
X
$
Outreach Coaching
X
$
Smoking Cessation
X
Weight Watchers*
X
$ $
Wellness Program
$ $
$*
Paid Time Off Paid Time Off (PTO)
X
$
Paid Holidays (Corporate Associates Only)
X
$
Retirement & Savings Plans 401(k) Retirement & Savings Plan
X
X
Employee Stock Purchase Plan (ESPP)
X
X
X
$
$
$
$
Other Benefits Employee Assistance Program (EAP)
X
$
Commuter Benefit Program*
X
X
X
Working Advantage Discount Program
X
X
X
$
Associate Discount Program
X
X
X
$
$
$*
* bebe-paid under certain circumstances, refer to the applicable SPD or Handbook/Policy for additional information.
4
BENEFITS TO FIT YOUR STYLE
WHAT’S HAUTE THIS SEASON This year we continue to focus on wellness and educating you and your family on how to be smarter consumers of healthcare. Our Health and Welfare Plan touches each and every Regular, Full-Time (RFT) Associate at bebe, as well as their eligible children and Spouse or Qualified Domestic Partner. It protects you from the financial impact of small and catastrophic illnesses and nudges you to take accountability for your health and wellness through beWell, our workplace wellness program.
Introducing Teladoc! Did you know that if you are currently enrolled in bebe’s Blue Shield medical coverage, as of 2/1/2014 bebe is providing you and your eligible dependents with 24/7/365 access to U.S. board-certified doctors and pediatricians by phone or video? Teladoc is a convenient and affordable option that allows you to talk to a doctor who can diagnose, recommend treatment and prescribe medication (when appropriate) for many of your medical issues. Take advantage of this new benefit at a special introductory rate of $20 per consult until 6/30/2014. Beginning 7/1/14 the rate will be $40 per consult and the fee will be credited towards your annual deductible. Call 1-800-Teladoc or visit Teladoc.com/bsc to get started.
Health Advocacy Service When you call HealthAdvocate, you will be assigned a Personal Health Advocate, who will work with you to resolve your specific healthcare or benefits issue. You will work with the same Personal Health Advocate until the issue is completely resolved. Personal Health Advocates are also available to address any follow-up needs. Call 1-866-799-2728 today. What are the features of the Health Advocacy service? • Personal Health Advocate. Personalized assistance from registered nurses, supported by medical directors and benefits and claims specialists, for help resolving a wide range of healthcare and insurance-related issues. • Clinical Support. Help finding the right doctors, obtaining second opinions, researching treatments, scheduling appointments with specialists, coordinating care and more. • Administrative Support. Help resolving insurance claims, uncovering billing mistakes, navigating within an insurance plan and more. • Healthcare Coaching. Support preparing for doctor visits, medical tests and treatments, and explaining complex medical conditions. • Information and Support. Assistance with eldercare and Medicare issues, researching wellness services, transportation and more.
Not sure whom to contact when you have questions? Visit the US Benefits Portal at benefits.bebe.com for instant access to carrier websites and phone numbers. You can even use our direct dial links when you visit our mobile site from your smartphone.
Call HealthAdvocate at 1-866-799-2728 for addition assistance.
!
IMPORTANT REMINDER ABOUT PLAN LIMITS & CALENDAR YEAR DEDUCTIBLES The IRS requires Medical, HSA and Dental Plan Limits and Deductibles be tracked on a calendar year basis. These amounts do not follow our Benefit Plan year. Plan Limits and Deductibles for these benefit programs reset every January 1st. This does not impact the Vision Plan limit that is based off date of treatment or Dependent Care FSA that follows the Benefit Plan Year.
BEHAVIOR IS CURRENCY
5
ENROLLMENT Visit bebe’s US Benefits Portal at benefits.bebe.com to get detailed information about all of the benefits offered to you as an eligible Regular, Full-Time Associate at bebe. The US Benefits Portal is accessible from either a PC or Mac, home or work, from any computer, tablet, or smartphone. You’ll find a copy of this Benefits Guide, along with Plan Summaries, carrier phone numbers, links to carrier websites, and easy access to our Benefits Enrollment Website. You must make your benefit elections within 31 days of becoming eligible for benefits and thereafter during the annual Open Enrollment period. Before making your benefit elections, please review this Guide, the Summary of Benefits & Coverage (SBC), the Summary of Benefits (SOB), and Summary Plan Description (SPD) posted on the US Benefits Portal for detailed information on our health plans. Open Enrollment will run from May 5th to May 30th this year. Your current benefit elections will automatically carry forward into the new Plan Year starting 7/1/14 if you do not make new elections, with the exception of the Dependent Care Flexible Spending Account (FSA) and the Wellness Discount. Associates wishing to participate in the Dependent Care FSA plan for FY15 will need to make a new election during Open Enrollment. Associates and their covered Spouse/DP will need to participate in Know Your Numbers (KYN) and meet at least 3 of the 4 KYN Health Goals to earn the Wellness Discount for FY15.
!
Health Plan Product Knowledge: Your current benefit elections (except Dependent Care FSA and Wellness Discount) will automatically carry forward in to the new plan year if you do not make new elections. You must take action to receive the Wellness Discount or participate in the Dependent Care FSA plan for FY15.
Must-Do’s for Open Enrollment 1. Visit our US Benefits Portal at benefits.bebe.com between 5/5/14 - 5/30/14 to make new elections for the 2014-2015 plan year. Your current benefit elections (except for Dependent Care FSA and Wellness Discount) will carry forward in to the new Plan Year if you do not make changes. 2. If you wish to enroll in a Dependent Care Flexible Spending Account for the Plan Year starting 7/1/14, you must make a new election during Open Enrollment. Existing elections will NOT carry forward into the new Plan Year. 3. You and your covered Spouse/DP must participate in Know Your Numbers (KYN)1 before May 23rd and meet your KYN Health Goals to be eligible for the Wellness Discount. You will also earn $50 in ACTIVEHEALTH Rewards2 for participating.
FY15 BENEFITS TO FIT YOUR STYLE
OPEN ENROLLMENT
MAY 5-30 2014
bebe is committed to helping you achieve your best health. If you think you might be unable to meet a standard for a reward under the Wellness Program, you might qualify for an opportunity to earn the same reward by different means. Contact us at 1-877-bebe-SOS, option 2, and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status. 4. If you are newly enrolled or make changes, complete the process by printing and verifying your elections on the Confirmation Page. The Confirmation Page at the end of the enrollment process is like a receipt and will serve as your proof of enrollment. Those currently enrolled with no changes don’t have to do anything, but KYN! The Know Your Numbers program offers free biometric screenings with our vendor HealthAdvocate. The program does not cover charges incurred if an individual chooses to visit their healthcare provider for blood work, rather than obtaining services through the established vendor by logging on to the US Benefits Portal at benefits.bebe.com. 1
Blue Shield’s Healthy Lifestyle Reward program administers ACTIVEHEALTH Rewards and requires separate registration. Only bebe Associates enrolled in the PPO Savings Plan are eligible to earn ACTIVEHEALTH rewards. Associates in Canada, Hawaii and Puerto Rico are not eligible for the ACTIVEHEALTH program rewards. If you do not have access to a computer, call us at 1-877-bebe-SOS, option 2 and we will help you get computer access for Open Enrollment and ACTIVEHEALTH registration. 2
6
BENEFITS TO FIT YOUR STYLE
ELIGIBILITY Who Is Eligible For Benefits? Associate Eligibility All eligible RFT Associates are eligible for benefits on the first of the month following their Date of Hire, Rehire, or Effective Date of status change to Full-Time. For example, if you were hired on January 15th your Benefits Eligibility Date would be February 1st. You must enroll in your benefits no later than 31 days after your initial Benefits Eligibility Date or any Qualified Family Status Change, otherwise you may only make changes during our Open Enrollment period. After you have reviewed the benefit materials mailed to you, you will need to log on to the US Benefits Portal at benefits.bebe.com to make your benefit elections. If you have questions, please call Human Resources at 1-877-bebe-SOS, option 2. Dependent Eligibility Eligible dependents include: • Your legal Spouse • Your children (biological or legally adopted) up to age 26 • Your Qualified Domestic Partner and her/his child(ren)
Qualified Family Status Change Federal regulations allow you to make certain changes to your benefits coverage if you experience a Qualified Family Status Change, which may include one of the following: • • • • • •
Marriage, divorce, or legal separation Birth or adoption of a child Death of a Spouse or child Dependent loses coverage elsewhere Change in your or your Spouse’s employment status Loss or gain of eligibility for assistance under Medicaid or a State child health plan
Changes to coverage must be made by visiting our US Benefits Portal at benefits.bebe.com no later than 31 days after the qualified family status change (or 60 days for assistance programs referred to in the last event above). Failure to do so will generally result in no change in coverage until the end of that plan year and you will be required to continue to pay for any existing coverage. No exceptions can be made.
What Happens If I Lose My Benefits? If you and/or your dependents lose bebe healthDomestic Partner enrollcare coverage due to cerment requires an Affidavit tain status changes, you of Domestic Partnership and your dependents may SCAN to START OPEN ENROLLMENT form that must be filed with be eligible to continue covDownload an app on your smart phone, then scan to visit the US Benefits Portal. bebe’s Human Resources erage. For further details Department before covrefer to your Initial COBRA erage for your Domestic Notice or contact our COBRA administrator, ADP for Partner will be effective. more information at (800) 526-2720. What Happens If I Don’t Enroll? If you were not an active participant last year and you do not enroll in benefits during the 31 days following Health Plan Product Knowledge: your Benefits Eligibility Date, you will be considered to have declined medical, dental, and vision coverage. Make sure you log on to the benefits Your next opportunity to enroll in medical, dental, or viwebsite to enroll in benefits no later sion coverage will be during our annual Open Enrollment than 31 days after becoming eligible period, unless you experience a Qualified Family Status or you will not have benefits coverage Change. No exceptions can be made.
!
and your next opportunity to enroll will be Open Enrollment next year.
BEHAVIOR IS CURRENCY
7
beWell WORKPLACE WELLNESS PROGRAM
8
BENEFITS TO FIT YOUR STYLE
WORKPLACE WELLNESS PROGRAM Wellness Discount Last year we introduced Wellness 2.0 – OutcomesBased Wellness and our Know Your Numbers1 (KYN) campaign established your baseline biometric levels. For FY15 you will need to meet your KYN Health Goals2 (described below) to qualify for the Wellness Discount on bi-weekly medical premiums. See page 21 for FY15 medical premium rates. If you cover a Spouse or DP under our Plan, she/he will also have to engage in KYN and meet the Health Goals outlined below to earn the Wellness Discount for FY15. Getting Started: Step 1: Participate in FY15 KYN1 through on-site screenings, provide a physician’s fax form, or visit a lab. Step 2: Meet at least three (3) of the four (4) KYN Health Goals2. If you aren’t able to meet these goals, we offer five options to help you earn the Wellness Discount through completion of a Wellness Program. We recognize that many of you have embraced healthy living and manage your well-being together with your physician. To measure your success, we have selected four key Health Goals directly linked to improved wellness. Know Your Numbers Health Goals2: Your biometric screening results will be categorized by risk factors (established by the Department of Health and Human Services) for future health issues – low risk, moderate risk, or high risk. Our Health Goals are designed for you and your Spouse/DP to score below the high risk category in the following areas:
During Open Enrollment you can participate in Know Your Numbers through one of our On-site Events, in addition to the year-round options for newly eligible Associates of visiting a LabCorp lab or by submitting the Physician’s Fax Form. Here’s how: • On-site Events: You and your Spouse/DP in the vicinity can schedule an appointment at one of our on-site Corporate Events: Brisbane on May 6th & 7th; LA Studio on May 8th & 9th ; or Benicia on May 14th by visiting the US Benefits Portal. We will also be rolling out on-site Store Events during the month of May. Check StoreNet for a current listing of scheduled on-site Store Events. • Visit a Lab: You and your Spouse/DP have the option of visiting a LabCorp lab to have a technician complete the biometric screening. Visit the US Benefits Portal at benefits.bebe.com to print up your lab slip and arrange for an appointment near you. • Physician’s Fax Form: Already had your blood work done? We’ll give you credit for that! A Physician’s Fax Form can be submitted for you or your Spouse/DP if you have already seen your doctor and had blood work within the last 6 months. The form will need to be completed by your physician and signed by both the patient and physician. The Physician’s Fax Form can be found on the US Benefits Portal at benefits.bebe.com. IMPORTANT NOTE: • You and your covered Spouse/DP must complete the KYN requirement by May 23, 2014 to be eligible for the FY15 Wellness Discount. • Newly eligible Associates and their covered Spouse/DP must complete the KYN requirement within 31 days of their Benefits Eligibility Date in order to be eligible for the Wellness Discount.
1) Body Mass Index (BMI) – less than 303 2) Blood pressure – less than 140/90 3) Cholesterol Ratio – less than 5 4) Glucose – less than 126 If you fall below the high risk category for at least three (3) of the four (4) Health Goals, you’ve earned the Wellness Discount! If you aren’t able to meet these goals, we offer five options to help you earn the Wellness Discount through completion of a Wellness Program. More information can be found on page 10.
!
bebe is committed to helping you achieve your best health. If you think you might be unable to meet a standard for a reward under the Wellness Program, you might qualify for an opportunity to earn the same reward by different means. Contact us at 1-877-bebeSOS, option 2, and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status
The Know Your Numbers program offers free biometric screenings with our vendor HealthAdvocate. The program does not cover charges incurred if an individual chooses to visit their healthcare provider for blood work, rather than obtaining services through the established vendor by logging on to the US Benefits Portal at benefits.bebe.com. 2 If it is unreasonably difficult for you to achieve this goal due to a medical condition or if it is medically inadvisable for you to attempt to achieve this goal, we will work with you to develop another way to qualify for the discount. 3 Or 5% improvement over last year’s results. 1
BEHAVIOR IS CURRENCY
9
EARNING REWARDS & DISCOUNTS Earning Your Wellness Discount Through Completion of a Wellness Program If you aren’t able to meet 3 of the 4 KYN Health Goals1, we offer five options to help you earn the Wellness Discount through completion of a Wellness Program. FY15 Wellness Programs: 1. Spring Fitness Challenge (open to Associate only) 2. Weight Watchers (open to both Spouse/DP and Associate) 3. Personalized Coaching program (open to both Spouse/DP and Associate) 4. Smoking Cessation program (open to both Spouse/DP and Associate) 5. Fall Fitness Challenge (open to Associate only)
!
Health Plan Product Knowledge: All active Associates enrolled in the PPO Savings Plan will receive a monthly contribution of $25 for Associate Only coverage or $50 for Family level coverage toward their HSA just for enrolling in the Plan.
bebe is committed to helping you achieve your best health. If you think you might be unable to meet a standard for a reward under the Wellness Program, you might qualify for an opportunity to earn the same reward by different means. Contact us at 1-877-bebe-SOS, option 2, and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status
BEHAVIOR IS CURRENCY
Earning ACTIVEHEALTH Rewards
bebe believes it’s important to reward you for engaging in our beWell program. After all, Behavior is Currency! ACTIVEHEALTH is back this year with even more options to make wellness work for you! If you are enrolled in bebe’s healthcare benefits, you’ve got 9 free ways to earn ($50 each) up to a maximum of $200 in ACTIVEHEALTH Rewards3 this year! 1. Participate in Know Your Numbers2 2. Meet the participation requirements for the Spring Fitness Challenge 3. Meet the participation requirements for the Fall Fitness Challenge 4. Take the Wellness Assessment through Blue Shield’s Wellvolution “Well-Being Tracker” 5. Get your Preventive Care visit (Annual Physical or Well Woman Exam) 6. Complete one of the HealthAdvocate Outreach/ Coaching programs 7. Complete our Smoking Cessation program
Those Associates who made an HSA contribution were 27% more likely to also earn ACTIVEHEALTH Rewards.
Fun Fact
8. Complete a Prenatal Care Education program 9. Have a covered Spouse/DP participate in Know Your Numbers
ACTIVEHEALTH Rewards will be deposited into your HSA. You will be issued a HealthEquity4 debit card that you can use to pay for your out-of-pocket healthcare expenses. See page 14 for more information. bebe is committed to helping you achieve your best health. If you think you might be unable to meet a standard for a reward under the Wellness Program, you might qualify for an opportunity to earn the same reward by different means. Contact us at 1-877-bebe-SOS, option 2, and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status. 2 The Know Your Numbers program offers free biometric screenings with our vendor HealthAdvocate. The program does not cover charges incurred if an individual chooses to visit their healthcare provider for blood work, rather than obtaining services through the established vendor by logging on to the benefits website at benefits.bebe.com. 3 Blue Shield’s Healthy Lifestyle Reward program administers ACTIVEHEALTH Rewards and requires separate registration. Only bebe Associates enrolled in the PPO Savings Plan are eligible to earn ACTIVEHEALTH rewards. Associates in Canada, Hawaii and Puerto Rico are not eligible for the ACTIVEHEALTH program rewards. If you do not have access to a computer, call us at 1-877-bebe-SOS, option 2 and we will help you get computer access for Open Enrollment and ACTIVEHEALTH registration. 4 The ACTIVEHEALTH Rewards are deposited into a Health Savings Account (HSA) on your behalf with HealthEquity. The HSA is offered to you as a voluntary benefit directly by HealthEquity. bebe neither endorses HealthEquity, nor is sponsoring this program. We encourage you to contact HealthEquity directly at 1-877-857-6810 for information regarding the HSA, or go to www.healthequity.com. 1
10
BENEFITS TO FIT YOUR STYLE
WELLNESS RESOURCES HealthAdvocate Wellness Coaching Programs Leading a healthy lifestyle is not exactly simple. It often requires help and support to overcome unhealthy habits and choices. Its benefits are clear – better health and quality of life as well as lower healthcare costs. Our Wellness Coaching Program offers a proven approach to engage and support our Associates and their families in modifying unhealthy behaviors to get – and stay – healthy. Personalized one-on-one programs are designed by our experienced coaches to help address each individual’s specific needs. The proof is in the results – you and your family will realize improved health outcomes, lower your medical costs and be much healthier. The Wellness Coaching Program is convenient, comprehensive and designed to help you and your family reach your health goals more easily and to make healthy, long-lasting changes. Our program combines personalized one-on-one coaching, interactive events and health data analysis to develop customized wellness plans for each employee. The plans provide clear, actionable steps that specifically target health risk factors and address gaps in care, resulting in positive behavior change and reduced health costs. To participate in the Wellness Coaching Program, you can call the Health Advocate toll-free number or log on to your secure Wellness website to connect with a Wellness Coach. You can work with the same To access programs visit www.healthadvocate.com/wellness or call 1-866-799-2728. Nutrition & Weight Management Coaches will help you develop a personalized plan to manage your weight by planning a balanced diet, developing a fitness and exercise program; helping you stay motivated, and determining a healthy weight. Health Self-Management Coaches provide support for a variety of medical conditions and will help you better manage arthritis, asthma, back and neck pain, heart health, and menopause. Prenatal & Postnatal Care Coaches are trained to help you with prenatal planning and postpartum assistance. Coaches also help in areas such as nutrition, diet and exercise, managing common discomforts of pregnancy, birthing methods, lactation support, and postnatal follow-up. Tobacco Cessation Our coaches are Certified Smoking Cessation professionals that offer complete smoking cessation support and assistance to help you kick the habit for good. Your coach will help you understand physical addiction, psychological dependence, and situational triggers, deal with withdrawal symptoms, overcome obstacles and stay smoke free for life. Stress Management Do you feel tense or anxious on an ongoing basis? Coaches can help you feel less stressed by focusing on the following areas: identification of stress triggers, relaxation techniques, nutrition and diet, exercise and fitness, sleep, and time management.
EAP and Work/Life program The EAP+Work/Life Program offers you professional, confidential short-term counseling, focusing on coping skills for a full range of emotional, family and work-related issues. If needed, you can be referred to ongoing treatment or special care. You can also call the same number for one-on-one help to locate work/life services for concerns across the lifespan, from adoption to eldercare. As a complement to the personalized program, you may log on to the website to search for work/life information including provider databases and articles on a range of topics. If necessary, you can be easily transitioned to our Core Health Advocacy service for personalized help to resolve a full range of healthcare and insurance-related issues.
NurseHelp 24/7
Gym Discounts Your kid has a fever and it’s Through our partnership with HealthAdvocate, you now have discounted access to NurseHelp 24/73:00am, what do you do? That’s gyms nationwide with GlobalFit. Immediate answers to your easy, health callquestions Blue Shield’s NurseHelp • 10,000+ locations in the U.S. and Canada. Gyms include: Bally Total Fitness, line for immediate to your Curves, 24 Hour Fitness, Anytime Fitness, Ladies Workout Express, Lady ofNeed to know how to treat a sprained ankle?answers Think you might be coming down with the flu? Wondering whether to see a doctor about that persistent sore throat? health questions 24 hours a day, 7 America, plus regional chains and local favorites Call NurseHelp 24/7 toll-free to talk with a registered nurse anytime you have health-related questions.* Experienced nurses can help you figure out what’s ailingdays you, evaluate treatment options, determine a week. • GlobalFit’s Lowest-Price Guarantee – if any participating gym offers a lower whether to see a doctor, and more. All for no extra charge. price in writing, GlobalFit will beat that rate by 5% SM
• Minor illnesses and injuries • Chronic conditions • Medical tests and medications • Preventive care
It’s 2 a.m. and you’re wide awake with an upset stomach. You call NurseHelp 24/7 for tips on how to feel better, and soon you’re sleeping like a baby.
A16030-A (2/08)
BEHAVIOR IS CURRENCY
(877) 304-0504
Ouch, you stub your big toe and it swells. You call NurseHelp 24/7 and the nurse gives you in-home treatment options. So you’re back on your feet in no time, without a trip to the doctor.
11 d Association
Get immediate answers and To access the discount, visit www.healthadvocate.com/wellness. reliable information about:
UNDERSTANDING YOUR HEALTH PLAN
12
BENEFITS TO FIT YOUR STYLE
THE TWO PARTS TO YOUR HEALTH PLAN
2nd Part - Health Savings Account (HSA) We have established an HSA with HealthEquity to help you begin building your HSA balance. An HSA can be paid for by pre-tax payroll contributions from you, bebe, or both. Maximum contribution limits for HSA’s are set by the IRS for each calendar year. The 2014 maximum contribution for an individual coverage is $3,300 and the maximum for two or more is $6,550. The IRS limits include contributions made to your HSA by both you and bebe.
FAMILY LEVEL
In general, HSA-Qualified plans have a deductible that is higher than a traditional health insurance plan, but offer multiple benefits that include significantly lower premiums Those Associates who made an HSA and the triple tax advantages of an HSA. contribution were 18% happier on the Fun Contributions go into your account on a PPO Savings Plan than those who Fact tax-deferred basis, grow and earn interdidn’t. est on a tax-deferred basis, and when used for eligible medical expenses, they become tax-free.
NO MAXIMUM DEDUCTIBLE
EMPLOYEE ONLY
1st Part - Medical Insurance As an “HSA-Qualified” health plan, the Blue Shield PPO Savings Plan is the insurance component that provides medical coverage for you and your family. The IRS sets specific requirements that must be met in order for a medical plan to be HSA-Qualified: specifically the plan must meet the minimum deductible requirement, which for 2014 is $1,250 for individuals and $2,500 for a family of two or more. Our plan is set up with the minimum deductible allowed by law.
$2500
$1250
Minimum Deductible bebe plan
Minimum Deductible bebe plan bebe plans are set up with the lowest plan deductible allowed by the IRS.
Think of an HSA as a 401(k) for healthcare. We all think of saving for our retirement in a 401(k) Plan. We plan on paying household expenses like rent or mortgage, food, and vacations, but what we don’t often think of is what healthcare will cost in retirement. If you and your spouse were to turn 65 today, were to retire tomorrow, and live an average life span, healthcare would cost you more than $250,000 throughout your retirement years – and that’s if you’re healthy at 65 years of age. Do you have enough money to pay for healthcare in retirement?
!
Health Plan Product Knowledge: You can increase, decrease, stop, or restart your HSA contributions at any time. HSA Contribution Calculator The Health Savings Account Contribution Calculator helps you determine your HSA contribution strategy. You can see the amount you are allowed to contribute to your HSA account for the current calendar year. The maximum contribution into an HSA depends on several factors, including the account holder's age and type of coverage (single or family coverage). You can also view your estimated tax savings from your pre-tax HSA contributions. Check out the HSA Calculator under the Health Savings Account section at healthequity.com to start planning your savings strategy today.
BEHAVIOR IS CURRENCY
13
HEALTH SAVINGS ACCOUNT (HSA) An HSA is a unique long-term savings vehicle that allows you to pay for eligible healthcare expenses now or in the future. We have combined an HSA with the PPO Savings Plan to form the most affordable and comprehensive healthcare program. The money you save on lower bi-weekly premiums as compared to a traditional plan should be used to help fund your HSA. If you meet your deductible and out-ofpocket limits, the health plan covers all eligible medical expenses, including eligible prescription drug costs. The HSA is offered to you as a voluntary benefit directly by Health-Equity. bebe neither endorses HealthEquity, nor is sponsoring this program. bebe’s role with respect to the HSA is limited to permitting you to make pre-tax contributions to the HSA. We encourage you to contact HealthEquity directly at 1-877-857-6810 for information regarding the HSA, or go to www.healthequity.com. Triple Tax Advantage An HSA is the only account available to provide a triple tax advantage: 1. Contributions are deposited into your account on a tax-deferred basis. 2. Contributions can be invested in mutual funds just like a 401(k) and earn interest on a tax-deferred basis. 3. When used for eligible medical expenses, the funds are then tax-free.
!
Health Plan Product Knowledge: 2014 IRS HSA Contribution Limits based on coverage level in the PPO Savings Plan INDIVIDUAL COVERAGE: $3,300 FAMILY (2+) COVERAGE: $6,550
You could experience between 30-40% in tax savings (depending on your marginal tax rate), which could save you thousands of dollars each year. There is no other healthcare account that provides a better tax savings advantage! You Are In Control 1. With an HSA, you own the funds and can take them with you even if you leave bebe. 2. Your balance rolls over from year to year. Since there is no "use-it-or-lose-it" restriction with an HSA, you determine when you need to spend your HSA funds. 3. Unlike a 401(k), you can use your money to pay for qualified, out-of-pocket medical expenses today and into retirement. Increased Control Also Increases Your Responsibility Set yourself up for success. Plan for some medical expenses each year by funding your HSA through payroll deductions. At a minimum, target your contributions to cover your annual health insurance deductible (that’s $750/year after bebe’s $300 contribution and up to $200 in ACTIVEHEALTH Rewards or just $29 bi-weekly for Employee Only Coverage), but you can contribute up to the annual HSA maximum allowed each year. Don’t forget that bebe automatically contributes each month to your HSA when you enroll in the PPO Savings Plan, so plan your contribution accordingly. Bringing Convenience to Healthcare Payments Whether you have a doctor's appointment down the street, a prescription from the corner pharmacy, or a bill waiting for you at home, HealthEquity provides you with convenient access to your HSA funds. The HealthEquity Debit Card for your HSA allows you and your family to conveniently pay for pharmacy expenses at point-of-sale, while bill payment capabilities of your account allow you to initiate a payment online directly to your provider.
The HSA Catch Up Provisions for plan owners age 55 or over allows eligible Associates to contribution an additional $1000 to their HSA annually.
14
Fun Fact
BENEFITS TO FIT YOUR STYLE
PLANNING FOR HEALTHCARE EXPENSE Healthcare can be confusing. Here are a few tips for being successful when using bebe’s healthcare plan. Don’t Focus on “Meeting the Deductible” More than half of our members spent less than $500 on medical expenses last year. That means that potentially 100% of their out of pocket expenses were covered by bebe’s contributions to their HSA and ACTIVEHEALTH Rewards.
Fun Fact
Don’t focus on “meeting the deductible” because most of our Associates never will. Focus on what your average annual spend for medical and prescription drugs is and how to pay for those expenses using your HSA. Remember, bebe gives you up to $500 ($300 just for enrolling + $200 if you satisfy the various ACTIVEHEALTH rewards requirements) per year for Employee Only and $800 for Family coverage. You should contribute at least $29 to your HSA to help cover any out of pocket expenses while your reach your deductible. Plus if you don’t spend it all, you will bank it for next year and ultimately retirement.
HSA CONTRIBUTION STRATEGIES Bi-weekly contribution Coverage Level
Associate Only
Calendar Year Deductible
bebe Contribution
ACTIVEHEALTH Rewards
Potential Deductible Exposure
$1250
-$300
-$200
$750
BETTER
BEST
Cost neutral plan bi-weekly premium savings from EPO to PPO Savings Plan
Plan to save for the full amount of the Potential Deductible Exposure
Plan to reach the 2014 IRS Annual HSA Maximum Contribution
$19
$29
$108
$66
$221
GOOD
Associate + Child(ren) Associate + Spouse/DP
$25 $2500
-$600
-$200
$1700
$35
Associate + Family
$31 YOUR HSA WORKSHEET Estimated Cost (A)
Item to consider Doctor Visits Preventive Care - Annual Physical/Women’s Well Exam/Well Baby Doctor’s visit - Illness Specialist Visit (i.e. Dermatologist) Emergency Room Visit Urgent Care Visit Teladoc
Times you will do this per year (B)
Your Potential Out of Pocket Cost (AxB)
$0 $150 $300 $1500 $200 $40
Prescriptions Generic Birth Control Generic Prescription (not birth control) Brand Name Prescription
$0/month $6/month $80/month
Other: Dental and/or Vision Estimated Dental and/or Vision Expenses Sub-Total bebe HSA Contribution (Employee Only/ Family Coverage)
ACTIVEHEALTH Rewards
-$300/ -$600 -$200
Grand Total Out of Pocket Expense Exposure (Consider adjusting your per payroll contribution amount so you can pay as you go instead of having a big bill sneak up on you.)
BEHAVIOR IS CURRENCY
15
USING YOUR HSA TO ENHANCE YOUR MEDICAL PLAN
16
BENEFITS TO FIT YOUR STYLE
PAYING FOR CLAIMS IS EASY! Figure A
Login to Your Account When you log on to your Blue Shield of California account you get quick access to both: 1. Medical and prescription claims information. 2. Direct access to your HealthEquity HSA. Your Blue Shield of California and HealthEquity accounts are linked together for your convenience (Figure A).
Medical and Prescription claims: Your doctor’s office or pharmacy will bill Blue Shield. This ensures you receive our negotiated discount price for your service. Once Blue Shield has processed the claim, it will show under the “Claims” tab on your Blue Shield account (Figure B). Blue Shield also securely provides HealthEquity with a copy of finalized claim information for ease of payment with your HSA.
Figure B
The 1-2-3’s of Using your HSA to pay for a claim Click on the HSA link (Figure A) from your Blue Shield account. You will see your available HSA balance on your home page (Figure C). Click on the View Claims link to see a summary of your HSA claims (Figure D). You will see that it looks very similar to the Claims Summary page on your Blue Shield account.
Figure C
You have three (3) options for taking action on your HSA claim. 1. Pay the Provider: Chose this option if you would like to have HealthEquity send payment directly to your doctor from your available HSA balance. Be sure the charge for your doctor’s visit has been applied to your deductible and shows as “patient responsibility” on your Blue Shield Explanation of Benefits (EOB). This is also noted on the Claims Summary page in Figure B.
Figure D
2. Reimburse Me: By choosing this option, you instruct HealthEquity to send you a reimbursement check for the service. Choose this option if you have paid for a prescription or doctor’s visit out-of-pocket because you forgot your HSA debit card or didn’t have the full amount available to you on your card at the time of service. 3. Close Expense: Choose this option if you have already paid for the expense using your HSA debit card, such as picking up a prescription at the pharmacy.
BEHAVIOR IS CURRENCY
17
YOUR HSA IN ACTION During A Visit to the Doctor
c Visit Doctor
Your doctor bills
c Don’t pay at time of visit.
c No additional
c
• Claim paid or applied to deductible • Explanation of Benefits (EOB) issued. to tell you what amount you owe “Patient Responsibility”.
out-of-pocket expense if your HSA is funded.
Login to HSA account, view claims & select to pay the doctor directly from your HSA - see page 17 for more info.
When Picking up a Prescription at the Pharmacy
c Pick up Prescription
Pharmacy bills insurance
c
• Claim paid or applied to deductible. • Explanation of Benefits (EOB) issued to tell you what amount you owe “Patient Responsibility”.
c
c Use HSA debit card to pay for prescription at time of pick-up.
Login to HSA account, view claims & select to close the claim if already paid - see page 17 for more info.
The average Associate HSA contribution in FY14 was $32 per paycheck.
Plan Ahead - Building Your HSA Balance Don’t forget to plan ahead so you have funds in your HSA to use when you need them to cover your out-of-pocket expense. Here are some tips for helping you plan your HSA savings: bebe Contribution When you enroll in the PPO Savings Plan, bebe will automatically establish an HSA for you and contribute up to $300 annually for Employee Only coverage and $600 for Family coverage. bebe’s contributions will be deposited in 12 equal monthly installments as long as you are an Active Associate enrolled in the PPO Savings Plan.
ACTIVEHEALTH Rewards You can earn up to $200 in rewards for participating in specific beWell activities. These rewards are automatically deposited into your HSA to help cover any out-of-pocket expenses before you reach your deductible.
No additional out-of-pocket expense if your HSA is funded.
Fun Fact
THE SAVINGS ADD UP DURING THE YEAR Employee Only
Family
bebe contribution
$300
$600
ACTIVEHEALTH Rewards
$200
$200
Wellness Discount Savings $28/$86 bi-weekly
$728
$2236
Potential HSA Balance after year #1
$1228
$3036
$29
$66
Recommended bi-weekly HSA contribution
Wellness Discount bebe offers a substantial discount on bi-weekly premiums for Associates who actively participate in the beWell Know Your Numbers program and meet their KYN Health Goals. You should contribute at least $29 (the amount you save with the discount) to your HSA to help cover any out-of-pocket expenses while your reach your deductible.
18
BENEFITS TO FIT YOUR STYLE
WHAT CAN I USE MY HSA TO PAY FOR? Qualified and Non-Qualified Medical Expenses Use your HSA to pay for, or get reimbursed for, a variety of healthcare expenses. For more detailed information on qualified medical, dental, vision, and pharmacy expenses in IRS Publication 502—Medical and Dental Expenses. Qualified Medical Expenses • Acupuncture • Alcoholism (rehab, transportation for medically advised attendance at AA) • Ambulance • Amounts covered under another health plan • Annual physical examination • Artificial limbs/teeth • Birth control pills/prescription contraceptives • Body scans • Breast reconstruction surgery • Chiropractor • Contact lenses • Crutches • Dental treatments • Eyeglasses/eye surgery • Hearing aids • Home care • Long-term care expenses • Medicines (prescribed, not imported from other countries) • Nursing home • Nursing services • Optometrist • Oxygen • Stop-smoking programs • Surgery • Telephone equipment and repair for hearing-impaired • Therapy • Transplants • Weight-loss program (if prescribed by a physician for a specific disease) • Wheelchairs • Wigs (if prescribed) • COBRA premiums
!
Non-Qualified Medical Expenses • Babysitting, child care, and nursing services for a normal, healthy baby (may qualify under a dependent-care FSA) • Dancing lessons • Diaper service • Elective cosmetic surgery • Electrolysis or hair removal • Funeral expenses • Future medical care • Hair transplants • Health club dues • Insurance premiums other than those explicitly included • Medicines and drugs from other countries • Nonprescription drugs, medicines, and supplements (unless prescribed) • Nutritional supplements, unless recommended by a medical practitioner as treatment for a specific medical condition diagnosed by a physician • Teeth whitening
The IRS penalty for using HSA funds for non-qualified medical expenses is 20% of those funds. Keep all itemized receipts and copies of prescriptions for over-the-counter medications in case of an IRS audit. For tax advice please consult with your own tax or legal adviser.
85% of the Associates who cover a Spouse or DP on our plan that have access to a medical plan elsewhere do so because our coverage is better or less expensive than the alternative.
Fun Fact
Health Plan Product Knowledge: What If my doctor recommends an Over the Counter (OTC) medication for me? If a provider recommends OTC medications to treat a specific medical condition, just make sure she/he writes you a prescription. You’ll need to give the pharmacist your prescription to purchase OTC medicines using your HSA debit card, plus certain OTC medications are free under the medical plan!
BEHAVIOR IS CURRENCY
19
PREVENTIVE SERVICES COVERED AT 100% You and your family covered under our Plan can receive the following preventive services from an in-network provider without paying a deductible. This 100% coverage applies regardless of whether your deductible or out-of-pocket maximum has been met. If it’s not on this list, then it isn’t Preventive Care. Don’t forget to let your doctor know you’re there Covered Preventive Services for Adults • Abdominal aortic aneurysm one-time screening for men for your “PREVENTIVE CARE/WELLNESS VISIT” of specified ages who’ve smoked to ensure that your visit is billed correctly. • Alcohol misuse screening and counseling • Aspirin use for men and women of certain ages Covered Preventive Services for Children • Blood pressure screening for all adults • Alcohol and drug use assessments for adolescents • Cholesterol screening for adults of certain ages or at higher risk • Autism screening for children at 18 and 24 months • Colorectal cancer screening for adults 50+ • Behavioral assessments for children of all ages • Depression screening for adults • Cervical dysplasia screening for sexually active women • Type 2 diabetes screening for adults with high blood pressure • Congenital hypothyroidism screening for newborns • Diet counseling for adults at higher risk for chronic disease • Developmental screening for children under age three, • HIV screening for all adults at higher risk and surveillance throughout childhood • Immunizations (doses, recommended ages, and recommended pop• Dyslipidemia screening for children at higher risk of lipid ulations vary): disorders • Hepatitis A • Fluoride chemoprevention supplements for children • Hepatitis B without fluoride in their local water source • Herpes zoster • Gonorrhea preventive medication for the eyes of all • Human papillomavirus newborns • Influenza • Hearing screening for all newborns • Measles, mumps, rubella • Height, weight and body mass index measurements for • Meningococcal children • Pneumococcal • Hematocrit or hemoglobin screening • Tetanus, diphtheria, pertussis • Hemoglobinopathies or sickle cell screening for new• Varicella borns • Obesity screening and counseling for all adults • HIV screening for adolescents at higher risk • Sexually transmitted infection (STI) prevention counseling for adults • Immunization vaccines for children from birth to age at higher risk 18 (doses, recommended ages, and recommended • Tobacco use screening for all adults and cessation interventions for populations vary): tobacco users • Diphtheria, tetanus, pertussis • Syphilis screening for all adults at higher risk • Haemophilus influenzae type B • Hepatitis A Covered Preventive Services for Women, Including Pregnant Women • Hepatitis B • Anemia screening on a routine basis for pregnant women • Human papillomavirus • Bacteriuria urinary tract or other infection screening for pregnant • Inactivated poliovirus women • Influenza • BRCA counseling about genetic testing for women at higher risk • Measles, mumps, rubella • Breast cancer mammography screenings every one to two years for • Meningococcal women over 40 • Pneumococcal • Breast cancer chemoprevention counseling for women at higher risk • Rotavirus • Breast feeding interventions to support and promote breast feeding • Varicella • Cervical cancer screening for sexually active women • Iron supplements for children ages 6 to 12 months at • Chlamydia infection screening for younger women and other women risk for anemia at higher risk • Lead screening for children at risk of exposure • Folic acid supplements for women who may become pregnant • Medical history for all children throughout development • Gonorrhea screening for all women at higher risk • Obesity screening and counseling • Hepatitis B screening for pregnant women at their first prenatal visit • Oral health risk assessment for young children • Osteoporosis screening for women over age 60 depending on risk • Phenylketonuria (PKU) screening for this genetic disorfactors der in newborns • Rh incompatibility screening for all pregnant women and follow-up • Sexually transmitted infection (STI) prevention counseltesting for women at higher risk ing for adolescents at higher risk • Tobacco use screening and interventions for all women, and expand• Tuberculin testing for children at higher risk of tubercued counseling for pregnant tobacco users losis • Syphilis screening for all pregnant women or other women at in• Vision screening for all children creased risk Source: healthcare.gov
!
20
BENEFITS TO FIT YOUR STYLE
WHAT IS A PREMIUM? A premium is the bi-weekly paycheck contribution you make to even have insurance. WHAT IS A DEDUCTIBLE? A deductible is the amount that you must pay out of pocket before the health plan begins to pay your claims. The deductible resets January 1st of every year. WHAT IS ANNUAL OUT OF POCKET MAXIMUM? The annual Out of Pocket Maximum is the maximum amount you will pay out of pocket during the calendar year. This amount includes your deductible, copays, and coinsurance amounts. WHAT IS PREVENTIVE CARE? Preventive care includes routine annual exams and tests laid out by the Preventive Services Task Force. Services include Routine Annual Physicals, Annual Well Woman Visit, Well Baby Visits, etc. A complete listing can be found on page 20. WHAT IS NOT PREVENTIVE CARE? Provider services for care that is not deemed as Preventive is subject to the deductible. This would include a doctor visit when you are sick, care during pregnancy, or care when you are injured.
2014-2015 PLAN RATES COVERAGE LEVEL Associate Only Associate + Child(ren)
$90 / $140
Associate + Spouse/DP
$145 / $225
Associate + Family
$165 / $260
Associates (& Spouses/Domestic Partners if applicable) who participate in the FY15 Know Your Numbers program earn a Wellness Discount on the bi-weekly premiums. HOW THE PLAN WORKS Choice of Providers Calendar Year Deductible
IN NETWORK
OUT OF NETWORK
Any Provider in the Blue Shield PPO Network (BlueCross/BlueShield Network outside of CA)
Any licensed doctor or facility
$1,250 Individual $2,500 Family
Individual Coverage Family Level Coverage
Coverage Level Annual Out of Pocket Maximum
100%
60% $2,500 Individual $5,000 Family
Individual Coverage Family Level Coverage
Lifetime Maximum
None
PREVENTIVE CARE Routine Adult Physicals (Age 18 and Over)
100% - No Deductible
60% After Deductible
Mammogram
100% - No Deductible
Not Covered
Well Baby Visits
100% - No Deductible
Not Covered
Other Preventive Services recommended by the Preventive Services Task Force
100% - No Deductible
60% After Deductible
Physician Office Visit
100% After Deductible
60% After Deductible
Maternity Care (including prenatal and delivery)
100% After Deductible
60% After Deductible
Specialist
100% After Deductible
60% After Deductible
Lab & Other X-Ray
100% After Deductible
60% After Deductible
DOCTORS AND OTHER PROVIDERS
PRESCRIPTION DRUGS Pharmacy Benefit Manager
Provided through Blue Shield of California
Rx Deductible Retail (30 day supply)
Select Over the Counter (OTC) Drugs (for GERD & Allergies) Generic Brand Name Brand Name Non-Formulary Specialty & Biotech Drugs Generic Brand Name Brand Name Non-Formulary
Same as Medical 100% After Deductible 100% After Deductible $30 Copay After Deductible $60 Copay After Deductible 20% (up to $250, after Deductible)
N/A N/A N/A N/A N/A
100% After Deductible $60 Copay After Deductible $120 Copay After Deductible
N/A N/A N/A
$500 Copay After Deductible
$500 Copay After Deductible
HOSPITAL Emergency Room Visit (Copay waived if admitted) Urgent Care Center Visit
100% After Deductible
60% After Deductible
Ambulance
100% After Deductible
100% After Deductible
Hospitalization
100% After Deductible
60% up to max of $600/day After Deductible
100% After Deductible
60% up to max of $600/day After Deductible
100% After Deductible
60% After Deductible
50% After Deductible
Not Covered
Freestanding SNF
100% After Deductible
60% After Deductible (with prior auth)
Hospital SNF Unit
100% After Deductible
60% up to a max of $600/day
100% After Deductible (up to 100 visits per calendar yr)
100% After Deductible (with prior auth)
Routine Home Care and Inpatient Respite Care
100% - After Deductible
60% (with prior auth)
24 Hour Home Care and General Inpatient Care
100% After Deductible
60% (with prior auth)
Physical Therapy/Occupational Therapy
100% After Deductible
60% After Deductible
BEHAVIORAL AND OTHER HEALTH Mental Health/Substance Abuse Inpatient
TIP: EMERGENCY CARE Before you head to the emergency room for a sore throat in the middle of the night, take a minute to consider a couple of alternatives. 1. Have you contacted the NurseHelp Line at 1-877-3040504 for a free consultation? If your case is not urgent, you may be able to wait to see the doctor in the morning. 2. Is there an Urgent Care Clinic that you can visit instead?
BI-WEEKLY PREMIUM COST $28 with Wellness Discount / $58 without Wellness Discount1
Mail Order (90 day supply)
TIP: PRESCRIPTION DRUGS Prescriptions are subject to the same deductible as medical care, but you can save money by utilizing the Mail Order Program for maintenance medications like birth control or blood pressure medicine. You can order a 3 month supply (90 days) for the price of 2. That’s one month for FREE!
Blue Shield PPO Savings
Outpatient
Infertility Skilled Nursing Facility (100 days combined max)
Home Health Care (Up to $10,000 per calendar year) Hospice Care
Alternative Care (Up to $2,000 per calendar year) Chiropractic/ Acupuncture
Covered Out of State Benefits
BEHAVIOR IS CURRENCY
1 Or 9.5% of gross earnings, whichever is less.
100% After Deductible
60% After Deductible
See Blue Card Benefit Summary
See Blue Card Benefit Summary
21
TRANSPARENCY - MAKE MORE INFORMED DECISIONS
22
BENEFITS TO FIT YOUR STYLE
TRANSPARENCY IN HEALTHCARE In Today’s World of Savvy Shoppers, Comparison Shopping is The Name of the Game You don’t just go into the store or online and pay whatever price they ask. Savvy consumers do some research on quality, features, and pricing before they buy. Why shouldn’t you do the same for healthcare? Let’s say you are pregnant and want to estimate how much you will have to spend in medical costs for the delivery. Wouldn’t it be great if you could go online, find the average cost for a delivery, and take it one step further by seeing the typical cost of doctors and hospitals in your area? Even better would be if you could also see ratings on the quality of doctors and hospitals – no more guessing or depending on advice from friends and family. You would truly be able to go online and comparison shop for the highest quality, lowest cost facility and physician for your delivery. No more paying $15,000 for a delivery when you can go two miles down the road to another facility with the same level of quality, keep your same doctor, and only spend $6,000. bebe is working to bring this type of online comparison tool to you! Currently, Blue Shield has a cost estimator tool that allows you to shop over 300 common procedures. In addition, new features that allow you to view physician and facility quality will be added. As this tool develops, you will gain more visibility and control over your healthcare choices. What Can I Compare? The Treatment Cost Estimator helps you make informed decisions by providing cost information prior to receiving the care you need. You can: • Compare the cost of care in different settings (hospital vs. ambulatory surgical center). • Compare the cost of receiving care from different providers. • Plan for high cost services (control timing, change HSA contributions).
You will see estimated cost ranges for over 300 of the more common procedures for inpatient, outpatient, and diagnostic services from network facility providers. Estimates are available for procedures such as: CT Scans, MRI, Office Visits, Preventive Care, Endoscopies, Maternity, Mammograms; and many surgical procedures such as Tonsillectomy, Back Surgery and various cardiac procedures. You will also be able to see average cost estimates for several types of office visits based on your zip code. To further assist you, those facilities that have earned a designation as a Blue Distinction Center¹ will be indicated in the Treatment Cost Estimator search results.
¹ Blue Distinction® is a designation awarded by the Blue Cross and Blue Shield companies to medical facilities that have demonstrated expertise in delivering quality healthcare. The designation is based on rigorous, evidence-based, objective selection criteria established with input from expert physicians and medical organizations recommendations. Its goal is to help consumers find quality specialty care on a consistent basis nationwide, while encouraging healthcare providers to improve the overall quality and delivery of specialty care.
BEHAVIOR IS CURRENCY
23
DENTAL AND VISION PLANS 24
BENEFITS TO FIT YOUR STYLE
The perfect accessory to any outfit is a great smile. bebe offers dental coverage under the MetLife Dental PPO Plan. Our Dental PPO Plan allows you to obtain services from any licensed dental provider, both InNetwork and Out-of-Network. To access a detailed plan summary or find a provider near you, log on to metlife.com/mybenefits.
METLIFE DENTAL PLAN
Not sure which Dental Plan to choose? Consider this: Although the Enhanced Dental Plan costs more, it offers a higher Calendar Year Maximum, 3 Cleanings, and covers Orthodontia.
Bi-Weekly Cost Associate Only Associate + Child(ren) Associate + Spouse/DP Associate + Family
Basic Dental $8.00 $15.00 $20.00 $25.00
Benefit Features Individual Calendar Year Deductible
Enhanced Dental with Orthodontia $16.00 $30.00 $35.00 $50.00
In-Network
Out-of-Network
In-Network
Out-of-Network
$50
$50
$25
$25
$150
$150
$75
$75
$2,000
$2,000
$3,500
$3,500
(Basic and Major Services Only)
Family Deductible Limit Calendar Year Maximum
2
Cleanings Per Year
3
Preventive and Diagnostic
100%
100%
100%
100%
Basic Restorative
80%
60%
90%
90%
Major Restorative
50%
40%
60%
60%
NONE
NONE
50%
50%
Orthodontia ($2,500 Lifetime Max.)
bebe offers vision coverage through Vision Service Plan (VSP). The VSP Plan allows you to obtain services from any licensed eye care provider, both In and Out-of-Network. The VSP network covers many independent eye care providers, however, most chain store eye care providers are considered Out-of-Network. To access a detailed plan summary or find a provider near you, log on to VSP.com.
VSP VISION PLAN
Not sure which Vision Plan to choose? Consider this: Although the Premier Signature Plan costs more, it offers higher benefit allowances, and covers both glasses and contacts each year. Bi-Weekly Cost Associate Only Associate + Child(ren) Associate + Spouse/DP Associate + Family Benefit Features Copay
VSP Choice Network Plan $1.50 $2.00 $3.00 $5.00 In-Network
Out-of-Network
$10/exam $25/materials
VSP Premier Signature $7.00 $12.00 $21.00 $30.00 In-Network
Out-of-Network
$10/exam & materials
Exam (Every 12 Months)
Covered in full
Up to $45
Covered in full
Up to $50
Lenses (Every 12 Months)
Covered in full
Single - Up to $30 Bifocal - Up to $50 Trifocal - Up to $65
Covered in full
Single - Up to $50 Bifocal - Up to $70 Trifocal - Up to $100
Frames
Every 24 Months $130 retail allowance
Contact Lenses Medically Necessary Elective (Not Medically Necessary)
BEHAVIOR IS CURRENCY
Up to $70
Every 12 Months instead of frames & lenses
Covered in full $130 allowance
Up to $200 Up to $105
$25/Anti-reflective coating $15/Polycarbonate lenses
Every 12 Months $300 retail allowance
Up to $70
Every 12 Months in addition to frames & lenses
Covered in full $300 allowance
Up to $200 Up to $105
25
OUR BLUEPRINT FOR A SUSTAINABLE LIFESTYLE Retirement and Savings Company Paid Benefits Voluntary Benefits Paid Time Off Discount Programs
26
BENEFITS TO FIT YOUR STYLE
BEHAVIOR IS CURRENCY
27
PLANNING A SUSTAINABLE LIFESTYLE bebe Retirement and Savings Plan 401(k) All Regular, Full-Time and Part-Time Associates who are at least 21 years of age and have worked for bebe for at least 500 hours within a 12 consecutive month period are eligible to participate in the bebe Retirement and Savings Plan (401(k)). The 401(k) Plan offers you the opportunity to save for your retirement with tax-deferred dollars, through a choice of investment funds with different objectives and varying levels of risk. Our 401(k) Plan Administrator, Wells Fargo, will automatically send you an enrollment kit one month prior to your eligibility. Once you’ve made your investment decisions, you can log on to the website at wellsfargo.com/retirementplan to make your elections. If you do not make any election within the first 30 days of becoming eligible to participate in the 401(k) Plan, you will automatically be enrolled at a deferral rate of 5% of eligible compensation per pay period and invested in the age appropriate Target Date Retirement fund. You can change this election at any time. Contributions You can contribute up to 75% of your eligible compensation on a pre-tax basis, up to an annual maximum determined each calendar year by the IRS. You can increase, decrease, stop, or restart your contributions at any time. For 2014, the IRS Contribution Limit is $17,500. Associates age 50 or older at anytime during 2014 are allowed to contribute an additional $5,500 under the IRS Catch-Up Contribution Provision. Company Match bebe offers a 10% match of Associate deferrals on a per payroll basis that is 100% vested. In addition, bebe may add up to 10% incremental employer contribution in the form of an Annual Visit the Wells Fargo website to: Match at Fiscal Year End if certain Operating Income Goals are met.
Health Savings Account Think of an HSA as a 401(k) for healthcare. We all think of saving for our retirement in a 401(k). We plan for paying household expenses like rent, mortgage, food, and vacations, but what we don’t often think of is what healthcare will cost in retirement. If you and your spouse turn 65 today, were to retire tomorrow, and live an average life span, healthcare would cost you $248,000 in your retirement years – and that’s if you’re healthy. Do you have enough money to pay for healthcare?
!
• Enroll in the 401(k) plan • Change or stop your 401(k) deferral amount • Access your account information • Review plan information, including investment choices • Monitor and change your new and on-going investment elections wellsfargo.com/retirementplan
Employee Stock Purchase Plan All Regular Part-Time and Full-Time Associates at bebe are eligible to participate in the Employee Stock Purchase Plan (ESPP). The bebe ESPP is a benefit that allows you to invest in bebe stock at a price lower than what others outside bebe must pay—presently a 5% discount. Enroll in the ESPP by viewing the bebe ESPP Summary Plan Description and Enrollment Kit on the US Benefits Portal and following the E*TRADE enrollment instructions. Contributions Contribute from 1% to 10% of your eligible earnings on an after-tax basis, up to $8,000 in a calendar year. You can increase, decrease, stop, or restart your contributions at any time. You may withdraw your participation in the ESPP and your cash balance will be refunded for any offering period during that period. At the end of the offering period, your ESPP contributions will be used to buy whole shares of bebe common stock.
28
BENEFITS TO FIT YOUR STYLE
COMPANY PAID BENEFITS bebe believes that our Associates are our most valuable asset and we provide the following benefits to all eligible Regular, Full-Time Associates at no cost, even if you choose not to enroll in healthcare benefits.
PROTECTION
Basic Life Insurance bebe provides Basic Life coverage through Liberty Mutual. Coverage is equal to two times your annual earnings up to a maximum of $500,000 (age-related benefit reductions apply; see the Summary Plan Description for details). Life insurance benefits will be payable to your beneficiary in the event of your death. Accidental Death and Dismemberment (AD&D) bebe provides AD&D coverage through Liberty Mutual. Coverage is equal to two times your annual earnings up to a maximum of $500,000 (agerelated benefit reductions apply; see the Summary Plan Description for details). If you suffer a severe injury due to an accident, AD&D benefits will be payable to you. In the event of your death, AD&D benefits will be payable to your beneficiary in addition to life insurance benefits.
Supplemental Group Term Life
!
You may choose to purchase additional life insurance from Liberty Mutual for yourself in $10,000 increments from $30,000 to $300,000. Supplemental life insurance is portable in the event that you leave bebe.
INCOME REPLACEMENT
Short-Term Disability (STD) You may be eligible for benefits immediately if you become disabled due to an accident, or after a 7 calendar day waiting period if you become disabled due to a sickness. The benefit is 60% of your pre-disability weekly income, up to a maximum benefit of $3,500 per week. If you are unable to work due to your disability, STD benefits may be payable for the first 90 calendar days. If you are eligible for income from other sources, such as Social Security and/or workers’ compensation, STD benefits are adjusted so that the maximum monthly benefit that you receive from all sources does not exceed 60% of pre-disability earnings. You must complete 12 months of service before you are eligible to file a claim under bebe’s disability plans. Waiting period does not apply to State disability programs. Long-Term Disability (LTD) You may be eligible for LTD benefits if you are disabled for more than 90 calendar days. The benefit is 60% of your predisability monthly income, up to a maximum of $20,000 per month. If you are unable to work and remain disabled, LTD benefits may be payable up to age 65 (depending on when you become disabled). If you are eligible for income from other sources such as Social Security and/or workers’ compensation, LTD benefits are adjusted so that the maximum monthly benefit that you receive from all sources does not exceed 60% of pre-disability earnings. You must complete 12 months of service before you are eligible to file a claim under bebe’s disability plans. Waiting period does not apply to State Disability programs. Executive Disability Executive disability benefits are available for corporate Associates, Director level and above. Please contact the Human Resources Department for additional information.
BEHAVIOR IS CURRENCY
29
LIFE OUTSIDE OF WORK EAP and Work/Life program
The EAP+Work/Life Program offers you professional, confidential short-term counseling, focusing on coping skills for a full range of emotional, family and work-related issues. If needed, you can be referred to ongoing treatment or special care. You can also call the same number for one-on-one help to locate work/life services for concerns across the lifespan, from adoption to eldercare. As a complement to the personalized program, you may log on to the website to search for work/life information including provider databases and articles on a range of topics. If necessary, you can be easily transitioned to our Core Health Advocacy service for personalized help to resolve a full range of healthcare and insurance-related issues.
TIME AWAY FROM WORK
Paid Time Off (PTO) bebe believes it is important for you to maintain work/life balance and enjoy periods of rest in excess of your regularly scheduled days off. PTO is an important benefit and one that we encourage and expect you to take advantage of. All Active, Regular, Full-Time, US Associates (regularly scheduled to work more than 37.5 hours per week) are eligible for the PTO benefit. Sr executives (VP, SVP, EVP, and C-Suite) are not eligible for Paid Time Off (PTO). bebe reserves the right to designate your use of PTO during any Mandatory Workplace Closure. Accrual Tiers bebe currently offers a tiered PTO plan for all Active, Regular, Full-Time, non-Executive US Associates based on length of service. You will accrue PTO as of her/his first payroll as a Regular, Full-Time Associate. Accrual rates are as follows: Length of FT Service
Annual PTO* Entitlement in Days
Annual PTO* Entitlement in Hours
Maximum PTO Accrual in Hours
Up to 5 years
18
144
224
5 years to 10 years
23
184
264
10 or more years
28
224
304
* PTO is based on actual hours worked for non-exempt Associates. The table above assumes accrual for a Full-Time Associate working 40 hours per week.
Paid Holidays All Active, Regular, Full-Time, US, Corporate Associates are eligible for paid Holidays on their first day of employment. Part-Time and Temporary Corporate Associates, as well as Regular or Seasonal Storeline Associates are not eligible for any paid holidays. If the office, store, or mall is closed due to a Holiday, that day is considered an unpaid day off. Corporate Associates observe the following seven paid holidays each year: • • • • • • •
30
New Year’s Day Memorial Day Independence Day Labor Day Thanksgiving Day Friday after Thanksgiving Christmas Day
!
LEAVES OF ABSENCE bebe offers various Leaves of Absence under State and Federal regulations to accommodate diverse life events. Please refer to the Employment Handbook for additional information on the Leave of Absence process. Contact Human Resources as soon as you think you may need to take a Leave of Absence, but not less than 30 days prior to the start of your leave (unless such notice is not practicable).
BENEFITS TO FIT YOUR STYLE
DISCOUNT PROGRAMS
Associate Merchandise Discount All Associates have the opportunity to purchase merchandise at a discounted price. All Regular, Full-Time, Part-Time, Seasonal, and Temporary Associates are entitled to a generous discount on all regular priced merchandise. If you do not want to use the discount for yourself, the you may extend the discount to one (1) designated friend or relative. You must submit information about the person who will be the designated user for your bebe Associate discount on an “Associate Discount Designation Form” available from bebecall. Designations may be changed semi-annually in January and July. Letters will be sent to each designated discount user explaining how the discount benefit works. Working Advantage Discount Program Save on movie tickets, museums, zoos, attractions, aquariums and more. Whether you’re taking a vacation cross country or planning an afternoon at your favorite local theater, Working Advantage can get you into some of the best hot spots for up to 40% off the regular ticket price. Working Advantage has also partnered with online vendors to bring you discounts on books and music, electronics, flowers, gourmet food and more! To take advantage of this benefit register online. • Visit www.workingadvantage.com/bebe • Click on “Registration” and follow the instructions • bebe’s Company Member ID is 972788666.
DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA)
The Dependent Care FSA allows you to set aside pre-tax earnings to pay for a wide range of dependent care services for eligible members of your family. You can elect to contribute between $260 and $5,000 each plan year to reimburse yourself for qualified dependent care expenses. FSA funds must be used during the Plan Year in which they are contributed. Visit www.irs.gov for a complete listing of eligible dependents and expenses. The Dependent Care FSA is administered by HealthEquity. Visit www.healthequity.com for additional information or to file a Dependent Care FSA claim.
COMMUTER BENEFITS
Commuter Benefits Program With the ADP Commuter Benefits program, paying for your commute can be more cost-effective and convenient than ever before. In fact, by using an ADP Commuter Benefits Account, your commute can be tax-free because Commuter Benefits Accounts allow you to pay for your eligible transit and parking services with pre-tax money. Funding your account is easy too – it’s all handled through a simple paycheck deduction. For 2014, the Commuter Benefit Pre-Tax Contribution limit is $250 per month for Parking and $130 per month for Transit. To enroll log on to www.flexdirect.adp.com.
bebe stores, inc. bebe stores, inc.| Human Resources | 400 Valley Drive | Brisbane, CA 94005 | www.bebe.com The material provided in this guide is for general informational purposes only. The health coverage and benefits briefly described in this guide are set forth in the bebe stores, inc. (“bebe”) Section 125 and Welfare Benefits Plan and the underlying plan and insurance contracts and agreements (collectively, the “Plan”). The information in this guide is described in more detail in the summary description for the Plan, as well as the Employee Handbook and other SPDs and policies, copies of which are available to you at benefits.bebe.com. The Plan (as well as other policies and plans and the underlying coverage and benefits) can be amended or terminated at any time for any reason without prior notice, at bebe’s sole and absolute discretion.
BEHAVIOR IS CURRENCY
31
BENEFITS TO FIT YOUR STYLE
400 Valley Drive | Brisbane | CA 94005 Visit benefits.bebe.com for more information.
bebe stores, inc.
2014/2015
WELLNESS | EDUCATION | OUTREACH | BEHAVIOR
