2022 ANNUAL U.S. BENEFITS ENROLLMENT BULLETIN - MYHEALTH
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2022 Annual U.S. Benefits Enrollment Bulletin
For COBRA Participants
OCTOBER 2021
Welcome to the annual enrollment period for the JPMorgan Chase Enrollment ends November 12!
2022 U.S. Benefits Program. You have the opportunity once a year to review
your Health Care and Insurance Plan coverage and make any necessary Check your enclosed Personalized Fact
changes. Now is the time to consider these plans and make choices for 2022. Sheet for all of your 2022 coverage
options and costs. More information is
You and your dependents may be eligible for coverage under the also available in the enclosed Health
JPMorgan Chase Medical, Dental and Vision Plans. Note: If you don’t elect Plan Comparison Charts and on My
JPMorgan Chase Medical Plan coverage, you can separately elect COBRA Health, your online centralized resource
coverage for access to onsite JPMorgan Chase Health & Wellness Centers, for plan information. See more
Wellness Screenings, Tobacco Cessation and Employee Assistance Program information on page 11 regarding the
(EAP) counseling as a combined election. Please carefully read the additional tools and resources available.
details on page 9 prior to electing such coverage.
Enroll before the November 12, 2021,
You should consider all alternatives available for coverage, including your benefits enrollment deadline, or you
spouse’s/domestic partner’s employer coverage or a public health care and your covered family members will
exchange. Either of these types of coverage may be more cost-effective than be assigned coverage based on current
COBRA coverage. 2021 elections with 2022 costs. If
changes are needed, go to My Health >
We encourage you to review your current health care options to be sure they Enroll now to make your 2022 elections,
continue to meet the needs of you and your covered dependents. or use the online tools available on the
Your Enrollment Checklist on page 8 will guide you through making your Benefits Web Center. You can access
decisions for 2022. My Health online at
myhealth.jpmorganchase.com.
If You Are Currently Enrolled in Subsidized
COBRA and Are Eligible for Retiree Coverage
If you are on COBRA due to severance and your COBRA subsidy continues into 2022 due to your severance,
you may continue on COBRA coverage until the subsidy runs out. Once the subsidy expires, you have a one-
time opportunity to elect retiree health care coverage through the JPMorgan Chase U.S. Retiree Benefits
Program (if you are pre-Medicare-eligible) or through Via Benefits (if you are Medicare-eligible) for medical,
prescription drug, dental and/or vision coverage. There is no deferral of retiree coverage; if you don’t enroll
when you are first eligible or when your subsidy first expires, you will permanently forfeit your participation
in the JPMorgan Chase U.S. Retiree Benefits Program.
After your COBRA subsidy expires, you can continue with COBRA coverage for the remainder of your COBRA
period, paying the full cost of coverage. However, at the end of your COBRA coverage (generally 18 months),
you will not be able to elect retiree coverage through JPMorgan Chase (or receive a Health Reimbursement
Arrangement [HRA] with Via Benefits). See the As You Leave Guide on My Health for more details. Please note
that when your COBRA subsidy expires, this does not constitute a qualified status change, and therefore you
may not elect a different medical plan.
If you have questions about the pre-Medicare retiree coverage through JPMorgan Chase, contact HR Answers
(see page 13).
1 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and Ohio.If you have questions about the Medicare-eligible coverage through Via Benefits, they can be reached at
1-844-448-7300, 8 a.m. to 9 p.m. Eastern Time, Monday through Friday. You may also access the Via Benefits
website for JPMorgan Chase members at https://my.viabenefits.com/jpmc.
Important reminder about paying for your COBRA coverage
Your monthly payments are due on the first day of each month. To ensure that payment is received by the due
date and to avoid cancellation of your COBRA coverage, you may wish to have your payments deducted
directly from your checking or savings account via direct debit, if you have not already done so. Please call
HR Answers for more information (see page 13 for contact information).
Please note: If you fail to remit your monthly payment within 31 days of the due date, your coverage will end
retroactive to the last day of the month for which payment was received. Coverage cannot be reinstated. For
example, your January 1 payment is past due after January 31. Your February 1 payment is past due after
March 2.
A word about dependent eligibility
If you are enrolled in benefits, you may also cover eligible dependents (e.g., spouse/domestic partner,
children). Children are eligible until the end of the month in which they turn age 26. For more on eligibility
requirements, access the 2022 Dependent Eligibility Requirements on My Health > 2022 Benefits
Resources.
If you are adding a dependent to coverage, you will need to provide that dependent’s Social Security number
(SSN) during enrollment.
2 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.What’s Changing for 2022
No major changes to the Medical Plan
Great news! For 2022, there are no major changes in the types of services covered under the JPMorgan Chase
Medical Plan with Aetna and Cigna or the Prescription Drug Plan with CVS Caremark®.
In 2022, the Medical Plan will continue to offer:
• Eligible in-network preventive care (including physical exams and recommended preventive screenings)
and eligible preventive generic drugs covered at 100% with no deductible, coinsurance or copayments.
• In-network primary care office visits covered at 90% with no deductible.
• The same deductibles and coinsurance maximums.
• The same types of covered medical services.
2022 benefits changes and enhancements
Benefits enhancements and changes include:
• Infertility benefits support: As of July 1, 2021, if you are enrolled in the JPMC Medical Plan, you and your
covered family members can receive help from WINFertility nurses with selecting a high-quality provider,
understanding treatment options, and receiving clinical and emotional support. Enroll with WINFertility and
complete a nurse consultation in order to have access to a $30,000 medical lifetime maximum benefit
($10,000 medical benefit if member does not engage with WINFertility). Medical benefits (e.g., provider
network, claims administration) will continue to be managed by your health care company — Aetna or
Cigna. Prescription drug benefits will continue to be managed by CVS Caremark. You can reach WINFertility
by calling 1-833-439-1517, Monday through Friday, 9 a.m. to 7:30 p.m. Eastern Time.
• Prescription Drug Plan: Review the 2022 formulary drug lists for the latest information on covered drugs.
Remember to check frequently throughout the year for up-to-date information.
• Beginning January 1, 2022, if you are enrolled in the JPMC Core Medical Plan and move to Arizona or Ohio
during the calendar year, you’ll automatically be enrolled in the JPMC Simplified Medical Plan, effective
when you submit your address change. Please note that your health care company (Aetna or Cigna),
election (Option 1 or 2) and dependent coverage will remain the same and cannot be changed as a result of
your move.
• 2022 MRA Action Plan: New resilience training through meQuilibrium and My Finances and Me activities,
which you can complete to earn funds in your 2022 MRA. See MRA details on page 4 for more
information.
No change to the Prescription Drug Plan
You’ll continue to have the same prescription drug coverage administered by CVS Caremark, regardless of the
health care company you choose. Additionally, there are no Prescription Drug Plan changes for 2022. That
means you won’t receive a new prescription drug ID card for 2022.
As always, you can check to see if your prescription drug is covered on CVS Caremark’s Covered Drug List
on the CVS Caremark website, which you can access through My Health or at www.caremark.com. Drug lists
are subject to change quarterly by CVS Caremark. If your drug is not on the list, ask your doctor if there’s an
alternative you can take.
Note: Your cost will be lowest for generic and preferred brand name prescriptions (versus non-preferred brand
name or drugs that are not covered). If you use an excluded/not covered drug, you will pay the full cost.
3 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and Ohio.Your Medical Reimbursement Account
Your Medical Reimbursement Account (MRA) will be managed by the health care company you choose for
2022 — either Aetna or Cigna.
Reminders:
• Your MRA is funded by JPMorgan Chase when you and your covered spouse/domestic partner complete
wellness activities. You cannot contribute to the MRA. MRA funds can only be used to pay for eligible
medical and prescription drug expenses.
• Payment methods: During Annual Benefits Enrollment, you can choose to have expenses paid from your
MRA through automatic claim payment or with a debit card.
Automatic claim payment vs. debit card
You have two ways to pay claims from your MRA: Automatic claim payment and debit card. During Annual
Benefits Enrollment, you’ll be able to select one of these payment methods:
• Automatic claim payment method. Both Aetna and Cigna will automatically use your MRA funds to pay for
your portion of eligible out-of-pocket medical and prescription drug expenses.
• Debit card payment method. You can choose to use your debit card or pay with your personal funds for
eligible expenses — giving you more control over when you’re using your MRA funds. Keep in mind that
you’ll need to keep your receipts and be prepared to substantiate any debit card claims, as required by the
IRS.
If you’re currently enrolled in the Medical Plan and do not change your payment method election or take
no action during Annual Benefits Enrollment, your 2021 payment method will carry over to 2022.
To make a change to your 2022 payment method, select View/Change on Your Benefit Summary.
Please keep in mind that automatic claim payment assumes you did not pay your portion of your eligible
medical expense at the time of service and pays your provider/facility your portion directly. If you pay your
portion at the time of service, your provider/facility will be double-paid — once from you at the point of
service and once from your MRA (assuming funds are available). It will be your responsibility to recoup the
overpayment from your provider/facility (although your health care company can try to assist you).
Therefore, if the providers or facilities you visit are requiring you to pay at the point of service, the automatic
claim payment method may not be right for you; you should consider the debit card.
Learn more about your payment options by reviewing the Summary Plan Description, available on My Health.
4 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.Wellness Rewards
A key part of our Medical Plan and Wellness strategy is to engage employees in specific wellness activities by
providing Medical Reimbursement Account (MRA) funds. If you enroll in COBRA Medical coverage, you can
continue to earn Wellness Rewards to increase the value of your MRA. While enrolled in COBRA, you can use
any remaining balance in your MRA through automatic claim payment or debit card payment method
depending on the method you elect.
Complete your Wellness Activities by November 19, 2021
(11:59 p.m. Eastern Time)
Last year, we paused on asking you and your spouse/domestic partner to complete biometric Wellness
Screenings as part of our annual wellness campaign. Plus, many of us delayed receiving other preventive care,
like annual physicals and health screenings. We believe it’s important to return to more usual routines when it
comes to your health — that includes preventive care.
Because knowing their numbers (e.g., blood pressure, body mass index [BMI], blood sugar, cholesterol,
triglycerides and A1C) has helped so many people understand their health, uncover health risks and receive
earlier treatment, biometric Wellness Screenings are back.
This means you’ll need to complete both the biometric Wellness Screening and online Wellness Assessment by
November 19, 2021 (11:59 p.m. Eastern Time), to earn $200 in your 2022 Medical Reimbursement Account
(MRA).
If your covered spouse/domestic partner completes both of these activities during this time frame, you will
earn another $100 in your 2022 MRA.
Important note: If you terminate employment during 2021, you must elect COBRA to be eligible to earn
Wellness Rewards for completing a biometric Wellness Screening and online Wellness Assessment plus
continue as a COBRA participant through the award date in mid-January 2022. If you terminate before the
award date in mid-January 2022 and do not elect COBRA, you will not receive funds for completing
Wellness Activities by November 19, 2021 (11:59 p.m. Eastern Time), even if you are eligible for retiree
medical coverage. If you terminate employment with an MRA balance and do not elect COBRA, you can still
submit claims to your health care company for reimbursement of eligible medical and prescription drug
expenses that were incurred before the end of the month in which your employment terminated.
How to complete the biometric Wellness Screening
You have several options to complete your biometric screening, details of which can be found on the Wellness
Screening Portal run by Quest Diagnostics.
Options available to you if you have COBRA coverage under the JPMorgan Chase Medical Plan are:
• Download a Physician Wellness Screening form and take it to your doctor. Have them complete ALL
biometric fields (plus Date of Service) and sign the form. You can submit the completed form via fax or
upload it to the Wellness Screening Portal. OR
• Click on the Quest Patient Service Center section to locate and schedule a screening at a lab or retail
location (advance registration is required). OR
• Download and print a CVS MinuteClinic Screening voucher and take it to a CVS MinuteClinic for your
screening.
5 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and Ohio.How to complete the online Wellness Assessment
To complete your assessment, go to mycigna.com. Everyone will complete
the online Wellness Assessment with Cigna — no matter your health care Have questions? Contact
company. Cigna at 1-800-790-3086.
Former employees: The first time you access mycigna.com, you’ll need to
register and provide your name, date of birth, ZIP code and Social Security number (or Cigna Member ID if
Cigna is your health care company).
Covered spouses/domestic partners: You will need to register on mycigna.com as yourself, if you haven’t
already. You’ll be asked to provide the JPMorgan Chase former employee’s Social Security number and ZIP
code, as well as your name and date of birth.
Additional Wellness Activities
Changes for 2022:
• Online training, Mindfully Managing Stress through meQuilibrium: Earn $50 in your MRA and learn about
the powerful science of resilience and techniques to help gain control over your emotions, thoughts and
stress. Please note: Spouses/domestic partners can participate, but cannot earn MRA dollars for doing so.
• My Finances and Me activities: Earn $50 in your MRA by (1) completing a short online Financial Wellness
Assessment* and (2) attending a group education session on a variety of financial topics, such as basic
money management, navigating student loans and retirement planning. Please note: Spouses/domestic
partners can participate, but cannot earn MRA dollars for doing so.
*The Financial Wellness Assessment is not part of the online Wellness Assessment that, along with the biometric Wellness Screening, is
part of the Initial Wellness Activities.
Don’t forget your 2021 MRA funds!
Remember, you have until December 31, 2021, to maximize your earnings in your 2021 Medical
Reimbursement Account (MRA) when you and your covered spouse/domestic partner complete Additional
Wellness Activities — like health coaching, online learning, a stress/resiliency program and more — by
December 31, 2021. Visit My Health > 2021 MRA Additional Wellness Activities for more information.
Get ready to maximize your 2022 MRA by completing Additional Wellness Activities throughout
the year
While on COBRA coverage, you have the opportunity to earn up to $800 when you complete Additional Wellness
Activities during 2022. In December 2021, go to My Health and check out the 2022 MRA Action Plan (available in
December 2021) to decide which moves you’d like to make.
Plus, if you cover a spouse/domestic partner, you can earn up to an additional $300 in your MRA when they
complete Additional Wellness Activities in 2022.
6 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.Your Privacy Is Important The privacy of your health information is important to you and to JPMorgan Chase. We are committed to protecting your personal health information and complying with privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA). This means that when you complete a Wellness Screening or a Wellness Assessment, participate in any health coaching activities or receive health care treatment of any kind, your personal health information is not disclosed to anyone, including JPMorgan Chase, without your authorization and except as permitted by HIPAA. (For detailed information about your HIPAA Privacy Rights, please see the Privacy Notice found on My Health). Dental Plan There are no changes to the Dental Plan for 2022. For more information about the Dental Plan, go to the Benefits Web Center on My Health. Vision Plan There are no changes to the Vision Plan for 2022. For more information about the Vision Plan, go to the Benefits Web Center on My Health. 7 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and Ohio.
Important Steps to Take by November 12: Your Enrollment Checklist
Decide which health care company, Aetna or Cigna, is the right fit for Your elections last all year
you. Visit My Health to access the Aetna and Cigna websites, or go
Elections you make during this
directly to www.aetna-jpmc.com and https://jpmc.cigna.com to
annual enrollment period will
search for providers in the health care companies’ networks, as well as
become effective January 1, 2022,
to learn about the tools and resources these companies provide to help
and remain in effect through
you get the most out of your Medical Plan during the year.
December 31, 2022. The only time
Review your current Medical Plan option (Option 1 or Option 2) to be you can make a change during the
sure it continues to be the right coverage for you and your family. year is if you have a qualified status
Option 1 has higher monthly contributions, but lower annual change, like getting married or
deductibles and coinsurance maximums. Option 2 has lower monthly having or adopting a baby. In the
contributions, but higher annual deductibles and coinsurance event of a status change, any
maximums. Otherwise, both options provide the same coverage. resulting coverage changes must be
made within 31 days after the date
Review the way you pay for health care through your Medical
of the event (90 days if the
Reimbursement Account (MRA) — automatic claim payment or debit
qualifying event is the birth or
card — to see if it’s still the best approach for you.
adoption of a child). If you
Take a look at your dental and vision coverage to be sure they still experience a qualifying event,
meet your needs. If you’re happy with them, you don’t need to do a access the Benefits Web Center or
thing, but it’s always good to revisit them once a year. call HR Answers at 1-877-JPMChase
Update your dependent information. Your Personalized Fact Sheet (1-877-576-2427) right away.
includes the information currently on file for you and your covered If you don’t make changes for
dependents. Please review this information carefully, and make sure 2022, generally your elections for
each dependent’s name, address, date of birth and Social Security 2021 will continue at 2022 rates.
number are up to date. This information is important for us to have and
is required by the Affordable Care Act (ACA). You can make any
necessary changes by visiting the Benefits Web Center via the Enroll now link on My Health. To review
JPMorgan Chase’s dependent eligibility requirements, please visit My Health > 2022 Benefits Resources.
Complete a biometric Wellness Screening and online Wellness Assessment by November 19, 2021 (11:59
p.m. Eastern Time), to earn $200 for your 2022 MRA (assuming you are enrolled in COBRA at the time of
the MRA deposit). You can earn an additional $100 in your 2022 MRA when your covered
spouse/domestic partner completes these activities by November 19, 2021 (11:59 p.m. Eastern Time). See
page 5 for details. Starting January 1, 2022, complete Additional Wellness Activities and earn more MRA
funds.
Take advantage of the My Health tools to help you choose. See page 11 for details about the tools
available through My Health and the Benefits Web Center to help you make your 2022 enrollment
decisions.
Understand the rules for mid-year changes. If your family situation changes, you may be eligible to make
changes to your benefits as follows:
• Qualified status changes: The annual benefits enrollment period is the only time you can enroll in or
make changes to your benefits during the year, unless you experience a qualified family status change
(such as gaining coverage from another source or in the case of divorce).
8 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.Electing COBRA Coverage for JPMorgan Chase Onsite Health & Wellness
Centers, Wellness Screenings, Tobacco Cessation and Employee Assistance
Program (EAP) Counseling
You may elect access to JPMorgan Chase’s onsite Health & Wellness Centers, participate in Wellness
Screenings, Tobacco Cessation Program and utilize EAP counseling while on COBRA — even if you decline
COBRA coverage under the JPMorgan Chase Medical Plan. These benefits are offered as a single election.
• If elected, all covered dependents may access EAP counseling telephonically.
• Access to JPMorgan Chase’s onsite Health & Wellness Centers or Wellness Screenings at your doctor’s
office or qualified labs is only available to former employees and not to covered spouses/domestic
partners or children. Note: If elected, you would access the JPMorgan Chase onsite Health & Wellness
Centers only after coordinating with that facility’s security personnel. Also, the Centers offer limited
medical services. Therefore, give careful consideration as to whether this is a service you would use.
• If you are interested in participating, please contact HR Answers and speak to a representative.
Please note:
• If you elect COBRA coverage for the JPMorgan Chase Medical Plan, that coverage includes Wellness
Screenings at your doctor’s office or qualified labs and the Tobacco Cessation Program for you and your
covered spouse/domestic partner.
• If you do not elect the Medical Plan COBRA coverage, but would like COBRA coverage for onsite Health &
Wellness Centers/Wellness Screenings, Tobacco Cessation and EAP counseling, you must make the COBRA
election for those services.
− Please note: If you elect both COBRA Medical Plan coverage and COBRA “bundled” coverage, you
will not be charged twice for the Wellness Screening and Tobacco Cessation Program.
Need more time to make decisions?
If your spouse’s/domestic partner’s enrollment time frame is later than ours, you can call HR Answers for
assistance. See page 13 for contact information.
9 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and Ohio.My Health to Help You Choose and Enroll
In addition to this Annual Benefits Enrollment Bulletin, several resources are available on My Health to help
you during this benefits enrollment, including a link to the Benefits Web Center, where you will make your
enrollment choices. Getting to My Health is easy; you can access the site anytime, and the Single Sign-On
feature gets you around without having to re-enter passwords.
If you want to make changes or use the online tools, you can access My Health via the Internet at
myhealth.jpmorganchase.com and select “Current or Former Employee” (or select appropriate option under
“Covered spouses, domestic partners and dependents of employees” for your covered family members). Once
on My Health, click the green Enroll now button.
Look for the Summaries of Benefits and Coverage, which allow you to easily compare your JPMorgan Chase
Medical Plan options to your spouse’s/domestic partner’s or child’s medical plan options that may be available
through another employer. Summaries of Benefits and Coverage are found on the Benefits Web Center
accessible through My Health.
If you are not a former JPMorgan Chase employee but are the spouse/domestic partner or surviving
spouse/domestic partner of a JPMorgan Chase employee:
My Health is available to you for information only. You must enroll for benefits through HR Answers at
1-877-JPMChase (1-877-576-2427). Representatives are available to assist you from 8 a.m. to 7 p.m. Eastern
Time, except certain U.S. holidays.
10 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.Tools available through My Health
Our online tools make it easy to make the right enrollment elections. Here’s a quick look at the online tools
you can use during Annual Benefits Enrollment. Use them to get suggestions, compare your Medical Plan
options and make better decisions in less time.
Enrollment Resource Details
Personalized Fact The Personalized Fact Sheet highlights your 2022 coverage options and costs.
Sheet Important Notes:
(included in your • The Medical and Dental Plan options available to you are based on your home
enrollment package) ZIP code.
• The Medical, Dental and Vision Plan Comparison Charts included with your
enclosed Personalized Fact Sheet summarize key provisions for each option.
You are encouraged to review the full Health Plan Comparison Charts,
available through My Health, for the most detailed and up-to-date information,
as well as links to the medical, dental and vision companies.
Health Plan Side-by-side comparison of your 2022 Medical, Dental and Vision Plan options and
Comparison Charts how they compare with current plans. Go to My Health > Enroll now.
(also included in your
enrollment package)
DecisionDirect™ Answer a few simple questions about your health care needs and preferences, and
DecisionDirect will suggest a Medical Plan option for you. Go to My Health > Enroll
now.
MRA Value Estimator See up front how much money you could get to cover eligible out-of-pocket
medical and prescription drug costs by completing certain wellness activities in
2022. Go to My Health > Enroll Now.
Connect to either of You can find an in-network doctor, estimate medical costs and more. Go to My
our 2022 health care Health > Enroll now.
companies, Aetna or
Cigna
Dependent Eligibility Describes the dependents who are eligible for benefits through JPMorgan Chase.
Requirements Go to My Health > Enroll now.
11 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.Now Is the Time to Enroll
Your first stop for enrollment is My Health via the Internet at myhealth.jpmorganchase.com. Click Enroll now
to access the Benefits Web Center. You will need to enter your Standard ID number, shown on your enclosed
Personalized Fact Sheet, and your JPMorgan Chase Single Sign-On password (see “How to Use
‘Single Sign-On’” on page 15).
If you are not a former JPMorgan Chase employee, you cannot enroll through My Health. You may request
any of the information in this bulletin by calling HR Answers at 1-877-JPMChase (1-877-576-2427). You must
enroll through HR Answers; representatives are available to assist you from 8 a.m. to 7 p.m. Eastern Time,
Monday through Friday, except certain U.S. holidays.
Confirming your coverage
If you make any changes to your assigned coverage or you enroll a dependent for the first time in 2022, you
must confirm your elections:
• Online through the Benefits Web Center. You’ll need to “Confirm” your choices in order to complete
your enrollment. You’ll know that your elections have been saved when you see the “Completed
Successfully” screen. Please print a copy of this screen and retain it for your records. You will also be
able to view and print your 2022 coverage through the Benefits Web Center. This will serve as your
confirmation of your 2022 benefits elections. You will not receive a paper confirmation statement in
the mail.
OR
• By calling HR Answers. A confirmation of your 2022 benefits elections will be mailed to your home
address.
Reminder
If you do not make any changes during your designated enrollment period, the information shown on the
“Enroll in Your Benefits” screen on the Benefits Web Center, available through My Health, and the enclosed
Personalized Fact Sheet will serve as confirmation of your 2022 benefits elections. You will not receive
another confirmation from JPMorgan Chase.
12 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.To reach HR Answers
If you have questions about your benefits coverage or the enrollment process, need more time to compare a
spouse’s/domestic partner’s or other family member’s options or if you don’t have web access, call
HR Answers at 1-877-JPMChase (1-877-576-2427) or 1-212-552-5100 if calling from outside the United States.
Hours are 8 a.m. to 7 p.m. Eastern Time, Monday through Friday, except certain U.S. holidays.
Here’s how you can reach an HR Answers representative:
• Enter your Standard ID or Social Security number, and follow the prompts to confirm
• Select Option 2, then Option 9.
• Enter your PIN and press 9.
Get additional help with Health Advocate
In addition to your health care company’s support, Health Advocate helps you navigate the complex health
care system. You get help:
• Understanding your JPMorgan Chase medical, prescription drug, dental and vision benefits;
• Evaluating coverage options available through the Health Insurance Marketplace or other aspects of
health care reform;
• Resolving benefits claims issues;
• Finding quality providers in your network;
• Maximizing your health care benefits;
• Scheduling appointments with hard-to-reach specialists;
• Locating community resources and assistance with non-JPMorgan Chase benefits issues, and more.
To contact Health Advocate, call 1-866-611-8298, Monday through Friday, from 8 a.m. to 9 p.m.
Eastern Time.
13 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.Benefit Reminders
HIPAA privacy rights and protected health information
The Health Insurance Portability and Accountability Act (HIPAA) requires employers to communicate how
certain protected health information under employee health care plans may be used and disclosed, as well as
how plan participants can get access to their protected health information.
Accordingly, JPMorgan Chase will distribute once every three years a “Privacy Notice of Protected Health
Information under the JPMorgan Chase Health Care Plans” to you that describes in detail how your personal
health information may be used and your rights with regard to this information. (This notice was distributed in
2020.)
Newborns’ and Mothers’ Health Protection Act
In accordance with the Newborns’ and Mothers’ Health Protection Act, group medical plans and health
insurance issuers may not, under federal law, restrict benefits for any hospital length of stay in connection
with childbirth for the mother or newborn child to less than 48 hours following a normal delivery, or to less
than 96 hours following a cesarean section. Further, the plan cannot require that any medical provider obtain
authorization from the plan or any insurance issuer for prescribing a length of stay less than these periods.
Medical Plan post-mastectomy benefits
All options under the JPMorgan Chase Medical Plan cover certain breast reconstructive benefits in conjunction
with a mastectomy for eligible participants. Coverage under the Medical Plan is available for:
• Reconstruction of the breast on which the mastectomy was performed;
• Surgery and reconstruction for the other breast to produce a symmetrical appearance; and
• Prosthesis and treatment of physical complications for all stages of mastectomy, including lymphedema.
This coverage is subject to the terms of the Medical Plan option in which you participate, including relevant
deductibles and coinsurance provisions. For more information, please contact your health care company.
14 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.How to Use “Single Sign-On”
To ensure the security of the Benefits Web Center, available through My Health, a “Single Sign-On” password
is required before access can be processed. You’ll know to use the Single Sign-On password when you see this image:
How to log on from home using the Internet:
Step 1
A. ENTER YOUR STANDARD ID ON THE SINGLE SIGN-ON SCREEN. The Standard ID that was in effect at the
time you left JPMorgan Chase will remain in effect after you leave.
B. ENTER YOUR DEFAULT PASSWORD, which is composed of:
• The first three characters of your Standard ID;
• The last four digits of your Social Security number or national ID number; and
• The first letter of your last name.
• For example, if Joe Smith’s Standard ID is U123456 and his Social Security number is 123-45-6789, his
initial password is U126789S.
C. CLICK “LOGIN.”
Step 2
A. CHANGE YOUR PASSWORD. Re-enter your initial password in the “Current Password” field, and then
create and confirm a new password following the rules outlined at the top of the screen. You will need to
change your password on your first visit only. Please remember the password you choose for future
access.
B. CLICK “CONTINUE.” You’ll now access the requested website or tool.
Please note: You will be able to create a new password during your initial visit only. You will be unable to reset
your password automatically through Single Sign-On during subsequent visits.
Contact information to reset your password
To reset your password, ask questions regarding your Standard ID or obtain further assistance, please call
HR Answers at 1-877-JPMChase (1-877-576-2427) or 1-212-552-5100 if calling from outside the United States.
15 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.For complete plan details, see the Summary Plan Descriptions (SPDs) found on My Health > 2022 Benefits Resources > Benefit Plan
Details (Summary Plan Descriptions). This bulletin is a Summary of Material Modifications to the SPDs.
This Bulletin modifies and changes Your Guide to Benefits at JPMorgan Chase and is a Summary of Material Modifications for certain
plans under the JPMorgan Chase U.S. Benefits Program. It supplements, clarifies, and amends various sections of the Guide and the
Summary Plan Descriptions, and should be referred to as part of this Guide and the Summary Plan Descriptions. Please retain this
information for your records.
The JPMorgan Chase U.S. Benefits Program is generally available to most employees on a U.S. payroll who are regularly scheduled to
work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such
subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details contained in the
applicable insurance contracts, plan documents, and trust agreements. If there is any discrepancy between this information and the
governing documents, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify,
reduce, change, or terminate its benefits and plans at any time.
© 11/2021 JPMorgan Chase & Co. All rights reserved.
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16 2022 COBRA Annual U.S. Benefits Enrollment Bulletin for COBRA participants living in all states except Arizona, California, and
Ohio.You can also read
