2023 ENDEAVOR OPEN ENROLLMENT - BENEFITS OPEN ENROLLMENT IS NOVEMBER 7TH - 18TH, 2022 - Endeavor Benefits
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2023 ENDEAVOR
OPEN ENROLLMENT
+ BENEFITS OPEN ENROLLMENT IS
NOVEMBER 7 – 18 , 2022
TH TH
Today’s Agenda
INTRODUCTION BENEFITS BENEFITS NEXT STEPS
Open Enrollment HIGHLIGHTS REFRESHER Your Enrollment Toolkit
Guiding Principles How To Enroll
What’s New, What’s A Reminder of Your
Important Reminders FAQs
Changing, and What’s Benefits
Remaining?
2
INTRODUCTION 3
Open Enrollment
WE’RE COMMITTED TO IMPROVING OUR BENEFITS AND
CREATING A BETTER AND STRONGER EXPERIENCE FOR YOU.
+ +
Each year, we reevaluate our This presentation will give you an
offerings to ensure we have overview of Endeavor’s benefits
inclusive benefits and provide and the resources available to
access to affordable, quality support you before, during, and
care for all. after Open Enrollment.
42023 Open Enrollment
Important Reminders (1 of 3)
THIS YEAR IS A PASSIVE OPEN ENROLLMENT
IF YOU DO NOT TAKE ACTION…
+ Your current benefits will carry over with 2023 employee contribution rates.
+ Your Flexible Spending Accounts (FSAs) will not carry over into 2023.
DO YOU WANT TO USE
YOU MUST TAKE ACTION IF YOU WANT TO… YOUR FLEXIBLE SPENDING
ACCOUNTS IN 2023?
+ Add or remove a dependent to your medical, dental
and vision coverage. To contribute to your Health Care
+ Change, elect or waive dental, medical or vision coverage. FSA or Dependent Care FSA in
2023, you must re-enroll during
+ Add or remove supplemental health benefits, such as accident,
critical illness or hospital indemnity insurance. Open Enrollment, by Nov. 18th.
+ Contribute to a Health Care or Dependent Care FSA in 2023.
52023 Open Enrollment
Important Reminders (2 of 3)
DELTA DENTAL AND VSP DO NOT ISSUE INSURANCE ID CARDS
“I RECEIVED MY
MEDICAL ID CARD IN
+ That’s okay! Only medical (Aetna) ID cards are sent via mail. Your dental and vision
providers (Delta Dental CA and VSP, respectively) do not issue ID cards.
THE MAIL BUT HAVE NOT
RECEIVED MY DENTAL + When you are seeking service through Delta Dental CA, inform your provider that
Delta Dental of California is your dental insurance carrier, present your Social Security
OR VISION CARDS…” Number (SSN) and policy group number: 21412. If you prefer, you can log onto
www.deltadentalins.com (using your SSN as the requested ID) to print a
paper ID card.
+ When you are seeking service through VSP, inform your provider that VSP is your
vision insurance and present your Social Security Number (SSN). If you prefer, you
can log onto www.vsp.com (using your SSN as the requested ID) to print a paper ID
card.
62023 Open Enrollment
Important Reminders (3 of 3)
WHAT BENEFITS ARE AVAILABLE TO ME?
Medical (Aetna) Basic Life and AD&D Insurance (New York Life) Employee Assistance Program (LifeWorks)
Voluntary Life and AD&D Insurance (New York Life) Dependent Care Flexible Spending Account
Dental (Delta Dental CA) (HealthEquity)
Business Travel Accident Insurance (Chubb)
Vision (VSP) Childcare/Elder Care (Bright Horizons)
Voluntary Short-Term Disability (New York Life)
Online Education (Outschool)
Healthcare Flexible Spending Account
Basic Long-Term Disability (New York Life)
(HealthEquity) Fitness & Wellness Membership (Gympass)
Buy-up Long-Term Disability (New York Life)
Critical Illness Insurance (Aetna) Breast Milk Shipping Service (MilkStork)
Commuter Benefits (HealthEquity)
Accident Insurance (Aetna) Identity Theft Protection (Allstate) PTO (Endeavor) and FMLA (New York Life)
Hospital Indemnity Insurance (Aetna) 401(k) Plan (Empower)
HEALTH MONEY WORK/LIFE
can only be elected or changed during: new hire enrollment, company-provided; you to be enrolled in directly
7 Open Enrollment, or when you experience a qualified life event do not need to enroll through the provider websiteBENEFIT HIGHLIGHTS 8
This interactive decision tool lets you easily see
WHAT’S Health Plan Cost
Estimator (HPCE)
annual cost estimates for each health plan
option in a real-life scenario that matches your
NEW? situation to a ‘persona’. You can also create
your own personalized cost estimate using the
interactive calculator. Access this tool
EACH NEW YEAR IS through the homepage of the Digital
AN OPPORTUNITY Benefits Guide at myendeavorbenefits.com.
TO GROW AND
IMPROVE.
Get active anywhere, anytime – even at home.
Gympass With just one membership, you’ll get unlimited
access to the most premium gyms, studios,
and wellbeing apps. Gympass benefits your
body and mind through a sampling of fitness,
nutrition, and mental health activities. Enroll
today through the homepage of the Digital
Benefits Guide at myendeavorbenefits.com.
9The Digital Benefits Guide is your one-stop
WHAT Digital Benefits Guide shop for important information about Endeavor
benefits, vendor contacts, and enrollment
REMAINS? decision tools and resources. It has easy
access to vendor sites and Workday.
Bookmark the page today:
BRINGING myendeavorbenefits.com.
BACK WHAT
WORKED WELL.
During Open Enrollment, New York Life is
Enrollment for voluntary
allowing all eligible employees, spouses, and
life, STD, and LTD buy-up
children to enroll in voluntary life, short-term
disability, and long-term disability buy-up up to
the guaranteed issue amount without providing
Evidence of Insurability.
10We want to continue to support you in building your
family. Aetna Infertility Care provides coverage for basic
Aetna® Infertility Care and comprehensive infertility, advanced reproductive
PROGRAM technology (ART), and a combined lifetime maximum
of $50,000 for comprehensive infertility.
SPOTLIGHT Aetna medical plan members have access to the free
YOUR GOALS AND NEEDS
Aetna Enhanced Maternity Program—with 24/7 access
Aetna Enhanced to nurses and maternity experts by phone, educational
Maternity Program™
ARE IMPORTANT TO US.
materials for every stage of pregnancy and newborn
care, preterm support for high-risk pregnancies, and
more!
Endeavor supports working parents through MilkStork,
a free breast milk delivery service for employees who are
MilkStork breastfeeding while traveling for work. Breastfeeding
parents can request Milk Stork Kits — pharmaceutical-
grade shipping coolers that provide everything needed
to pump, pack and ship milk home to their babies.
Further details on these great Aetna offers transgender services, including transition
benefits and more can be found Transgender services assistance that will help you take care of your physical
on the Digital Benefits Guide at and behavioral health needs and benefits that will help
from Aetna® you address your daily-living needs after your transition.*
MYENDEAVORBENEFITS.COM
11 * Your coverage for gender transition services depends on your health plan and on certain state and federal laws.BENEFITS REFRESHER 12
Medical Plan Features
AETNA
AETNA CHOICE POS II AENTA OPEN ACCESS AETNA CHOICE POS II AETNA CHOICE POS II
HIGH DEDUCTIBLE PLAN NETWORK ONLY 80/0 PLAN 80/60 PLAN 90/80 PLAN
Take control of your spending Receive coverage for in-network Balance the cost of your Keep your out-of-pocket costs
by keeping more of your care only (except for coverage and your care with as low as possible by paying a
paycheck through lower emergencies), while saving relatively low deductibles and low coinsurance percentage and
contributions, in exchange for money with relatively low moderate contributions. smaller copays, in exchange for
higher deductibles. contributions and the lowest higher contributions from your
deductibles of all four plans. paycheck.
OUT-OF- OUT-OF- OUT-OF-
IN-NETWORK IN-NETWORK ONLY IN-NETWORK IN-NETWORK
NETWORK NETWORK NETWORK
$5,000/single; $250/single; $500/single; $1,000/single;
$10,000/family $625/family $1,250/family $2,000/family
0% 20% 20% 20% 40% 10% 20%
$5,000/single; $10,000/single; $4,000/single; $4,000/single; $6,500/single; $2,000/single; $3,000/single;
$10,000/family $20,000/family $7,000/family $7,000/family $12,000/family $4,000/family $6,000/family
KEY: Annual Deductible Coinsurance (you pay) Annual Out-of-Pocket Maximum
13Medical Care: Your Costs
Choice POS II High Open Access Network Only 80/0
Plan Features Choice POS II 80/60 Plan Choice POS II 90/80 Plan
Deductible Plan Plan
Preventive care Covered at 100% in-network, so you pay nothing
Office visit (primary care)
In-network $25 copay $25 copay $25 copay $25 copay
Out-of-network (includes
You pay 20% after deductible N/A You pay 40% after deductible You pay 20% after deductible
preventive care)
Office visit (specialist)
In-network $50 copay $50 copay $50 copay $30 copay
Out-of-network You pay 20% after deductible N/A You pay 40% after deductible You pay 20% after deductible
Telehealth visit (general medicine)
In-network only $0 copay $0 copay $0 copay $0 copay
Telehealth visit (dermatology and behavioral health)
In-network only $50 copay $50 copay $50 copay $30 copay
Urgent care visit
In-network $100 copay $25 copay $25 copay $25 copay
Out-of-network You pay 20% after deductible N/A $25 copay $25 copayMedical Care: Your Costs (continued)
Choice POS II High Open Access Network Only 80/0
Plan Features Choice POS II 80/60 Plan Choice POS II 90/80 Plan
Deductible Plan Plan
Physical Therapy
Visit limits 20 visits 90 visits Unlimited Unlimited
In-network $50 copay $50 copay $50 copay $30 copay
Out-of-network You pay 20% after deductible N/A You pay 40% after deductible You pay 20% after deductible
Speech, Hearing, and Occupational Therapy
Visit limits 20 visits 90 visits Unlimited Unlimited
In-network $50 copay $50 copay $50 copay You pay 10% after deductible
Out-of-network You pay 20% after deductible N/A You pay 40% after deductible You pay 20% after deductible
Outpatient Mental Health (unlimited)
In-network $50 copay $50 copay $50 copay $30 copay
Out-of-network You pay 20% after deductible N/A You pay 40% after deductible You pay 20% after deductible
Chiropractic Care
Visit limits 20 visits Unlimited Unlimited Unlimited
In-network $50 copay $50 copay $50 copay $30 copay
Out-of-network You pay 20% after deductible N/A You pay 40% after deductible You pay 20% after deductibleMedical Care: Your Costs (continued)
Choice POS II High Open Access Network Only 80/0
Plan Features Choice POS II 80/60 Plan Choice POS II 90/80 Plan
Deductible Plan Plan
X-Ray & Lab
In-network You pay 0% after deductible You pay $0, covered 100% You pay 20%, no deductible You pay 10% after deductible
Out-of-network You pay 20% after deductible N/A You pay 20%, no deductible You pay 20% after deductible
Hospital emergency room visit
In- and out-of-network $200 copay $200 copay $200 copay $200 copay
Ambulance
In- and out-of-network You pay 0% after deductible You pay 20% after deductible You pay 20% after deductible You pay 10% after deductible
Inpatient Hospitalization
In-network You pay 0% after deductible You pay 20% after deductible You pay 20% after deductible You pay 10% after deductible
You pay 40% after deductible +
Out-of-network You pay 20% after deductible N/A You pay 20% after deductible
$500 per admission
Outpatient Surgery
In-network You pay 0% after deductible You pay 20% after deductible You pay 20% after deductible You pay 10% after deductible
You pay 40% after deductible +
Out-of-network You pay 20% after deductible N/A You pay 20% after deductible
$500 per admission
Enhanced Infertility (includes cryopreservation)
In- and out-of-network $50,000 lifetime maximum $50,000 lifetime maximum $50,000 lifetime maximum $50,000 lifetime maximumPrescription Drug Coverage
AETNA
When you enroll in an Endeavor medical plan, you automatically receive
prescription benefits provided by Aetna in partnership with CVS.
GENERIC PREFFERED NON-PREFFERED
Same active ingredients as Brand-name medications Brand-name medications not
brand-name equivalents and included on the formulary preferred by your carrier. They
meet the same standards for and favored by your may still be covered, but may
quality and effectiveness, but prescription carrier. require prior authorization and
usually cost much less. cost more.
You pay: You pay: You pay:
17Prescriptions: Your costs
Choice POS II High Open Access Network Choice POS II 80/60 Choice POS II 90/80
Deductible 100/80 Plan Only 80/0 Plan Plan Plan
30-day supply (retail pharmacy – in-network only)
Generic $20 copay $20 copay $20 copay $20 copay
Preferred Brand $30 copay $30 copay $30 copay $30 copay
Non-preferred Brand $40 copay $40 copay $40 copay $40 copay
90-day supply (retail/mail order)
Generic $60/$40 copay $60/$40 copay $60/$40 copay $60/$40 copay
Preferred Brand $90/$60 copay $90/$60 copay $90/$60 copay $90/$60 copay
Non-preferred Brand $120/$80 copay $120/$80 copay $120/$80 copay $120/$80 copayTelemedicine
TELADOC
FREE when you PROVIDES QUICK
enroll in an Endeavor
medical plan
TREATMENT FOR:
+ Cold and flu symptoms
+
24/7 access to
licensed doctors by Ear infections
phone or video
+ Pink eye
+ Allergies
+
Doctors can
diagnose, treat, and Short-term prescriptions
prescribe medication
when needed + And more
Also includes behavioral health
Fast, convenient, and dermatology visits!
quality care from
wherever you are
19Dental Plan Features
DELTA DENTAL
Plan Pays Dental PPO Low Plan Dental PPO High Plan (Buy-up)
Covered expenses In-network & out-of-network* In-network & out-of-network*
Calendar Year Maximum (Plan pays) $1,000 $5,000; does not apply to Class I services
Individual: $50 Individual: $50
Calendar Year Deductible (You pay)
Family: $100 Family: $100
Class I – Preventive & Diagnostic Care 100 %, no deductible 100 %, no deductible
Class II – Basic Restorative Care 80 % after deductible 80 % after deductible
Class III – Major Restorative Care 50 % after deductible 50 % after deductible
Class IV –
50% after deductible (lifetime maximum limit
Orthodontia (Children/Adults) Not covered
of $1,500)
Orthodontia Lifetime Maximum
Class IX – Implants Not Covered 50% after deductible
REMINDER: You do not need a Delta Dental ID card to receive coverage!
Present your SSN and policy group number (21412) at time of care.
20 *Note: If you visit an out‐of‐network provider, you are responsible for any charges above the usual, customary, and reasonable (UCR) limits.Vision Plan Features
VSP
Vision Coverage In-Network Out-of-Network
Eye Exam
$20 copay Allowance up to $45
(once every 12 months)
Eyeglass Lens Allowance (one pair every 12 months)
Allowance up to $32
Single Vision
Allowance up to $55
Bifocal Covered 100 %
Allowance up to $65
Trifocal
Allowance up to $80
Lenticular
Frame Retail Allowance (once every 24 months) Allowance up to $180 Allowance up to $100
Contact Lenses Allowance (one pair or single purchase
every 12 months in lieu of lenses and frames)
Elective Allowance up to $130 Allowance up to $105
Therapeutic Covered 100 % Allowance up to $210
REMINDER: You do not need a VSP ID card to receive coverage! Provide your SSN at the time of care.
21Flexible Spending Accounts (FSAs)
YOU CAN SAVE MONEY ON ELIGIBLE HEALTH CARE AND CHILD/ELDER CARE EXPENSES BY PAYING FOR
THEM WITH TAX-FREE MONEY, BUT YOU MUST ACTIVELY RE-ENROLL DURING OPEN ENROLLMENT.
WHAT IS AN FSA? HEALTH CARE FSA USE IT OR LOSE IT
Endeavor offers you the opportunity to The current IRS limit for the Health With an FSA, the IRS imposes a “use
contribute pre-tax money from your Care FSA is $3,050 for the 2023 it or lose it rule,” which means unused
paycheck to a Healthcare Flexible calendar year. money above the IRS balance limit
Spending Account and/or Dependent will be forfeited and cannot be carried
Care Spending Account. Using an over into the following year. The IRS
FSA is like getting a discount on
DEPENDENT CARE FSA carryover maximum is $610 for the
everyday health, child, and elder 2023 calendar year. Always be sure
care expenses because you don’t The current IRS limit for the to estimate your FSA contributions
pay income tax on FSA money. Dependent Care FSA (DCFSA) is carefully.
$5,000 for the 2023 calendar year.
To contribute to your Health Care FSA or Dependent Care FSA in 2023,
you must re-enroll during Open Enrollment, by Nov. 18th.
22Employer-Provided Life, AD&D and Disability
NEW YORK LIFE
AVAILABLE TO ALL EMPLOYEES AT NO ADDITIONAL COST:
BASIC LIFE AND AD&D INSURANCE* BASIC LONG-TERM DISABILITY
1x annual compensation**, rounded up Benefits begin after 90 days of disability
to the next $1,000 (up to $1M) 50% monthly earnings, up to a maximum
benefit:
• Employees earning less than
$240,000: $10,000/month
• Employees earning $240,000 or more:
$15,000/month
*Basic life insurance benefits will reduce to 67% at age 65 and 50% at age 70.
23 **Annual compensation is defined as your salary as of January 1 of the current year plus the previous year’s bonus.Supplemental Medical
AETNA
THREE SUPPLEMENTAL MEDICAL PLANS:
ACCIDENT INSURANCE All three plans offer coverage for
you and your dependents.
Supplements your primary medical plan by providing cash benefits in case
of accidental injuries
Cash Benefits Paid to You
CRITICAL ILLNESS INSURANCE
All plans provide a lump-sum benefit you
Cash benefits paid upon diagnosis of certain conditions, such as heart may use to pay for out-of-pocket
attack, stroke, cancer, or organ transplant (choose $10,000, $20,000 or expenses, such as groceries or even rent.
$30,000 of coverage
Please note: These plans do not provide
HOSPITAL INDEMNITY INSURANCE comprehensive medical coverage.
Cash benefits paid when hospital stays are required for any reason
24Voluntary Disability
NEW YORK LIFE
YOU HAVE THE OPTION TO BUY SHORT-TERM AND ADDITIONAL LONG-TERM DISABILITY INSURANCE:
VOLUNTARY SHORT-TERM DISABILITY SUPPLEMENTAL LONG-TERM DISABILITY State-Mandated Short-
Term Disability
Benefits begin after 7 days of disability Benefits begin after 90 days of
and end after 51 weeks or when you disability. In certain states, STD insurance
no longer quality for benefits, is state-mandated and covered
Increases your Basic LTD benefit to by mandatory employee
whichever is first. 66.67% of monthly earnings, up to a contributions. Contributions are
60% of weekly covered earnings, up to maximum benefit: tax-deductible. Employees who
a maximum of $1,542/week for 2022. • Employees earning less than work in California are not
Note: The weekly maximum is subject to $240,000: $13,340 per month. eligible for voluntary STD.
increase in 2023 and will be communicated • Employees earning $240,000 or
thereafter. more: $25,000 per month.
25Supplemental Life and AD&D
NEW YORK LIFE
YOU HAVE THE OPTION TO BUY ADDITIONAL LIFE AND AD&D INSURANCE:
Supplemental Life Insurance Supplemental AD&D Insurance
1–5x salary rounded to the next $1,000 (min: $25,000; max: $1M)
Employee EOI required for amounts above the lesser of 3x salary or $300,000 1–5x salary rounded to the next $1,000 (max: $1M)
Benefits reduce at age 70
Up to $100,000 in $10,000 increments (not to exceed 50% of employee If covering children: 50% of employee supplemental coverage
Spouse/Dom supplemental life) If not covering children: 60% of employee supplemental
estic Partner EOI required for amounts above $30,000 coverage
Coverage ends at age 70 Maximum of $600,000
If covering spouse: 15% of employee supplemental coverage
Children over 6 months: $10,000
If not covering spouse: 20% of employee supplemental
Child(ren) Children under 6 months: $1,000
coverage
No EOI required
Max: $100,000
26Family Medical Leave Act (FMLA)
NEW YORK LIFE
ENDEAVOR PROVIDES A VARIETY OF LEAVE OPTIONS TO MEET YOUR UNIQUE NEEDS,
SHOULD YOU NEED TO TAKE SOME TIME AWAY FROM WORK.
You are eligible for FMLA if… You have been employed for at least 12 months and have worked 1,250 hours in the previous 12-month period.
You’re entitled to receive a
• Serious health condition
total of 12 work weeks of leave
• Birth, adoption or foster parent of child
during a 12-month period for
• Caring for spouse, parent, child, or sibling with a serious health condition
one or more of the following…
The company provides
• Hourly (non-exempt): equivalent of 4 weeks of pay
paid leave when approved for
• Salaried: 6 weeks of pay
FMLA as follows*…
If you’ve been employed less
You’re eligible for 2 weeks paid and time away from work for similar circumstances.
than 12 months…
*Note: a separate paid parental leave policy is available to new parents. Contact the Benefits Team for more details.
27401(k) Plan
EMPOWER
YOUR FINANCIAL SECURITY IS AN IMPORTANT PART OF YOUR OVERALL WELL-BEING. THE ENDEAVOR 401(K)
RETIREMENT SAVINGS PLAN MAKES IT SIMPLE AND REWARDING TO SAVE FOR YOUR FUTURE.
If you are eligible for Endeavor benefits, you can
Contribute between 1% and 80% of your eligible pay, up to participate in the Endeavor 401(k) Retirement
Contribution
$22,500 if you are under age 50 and $30,000 if you are age Savings Plan starting on your 90th day of
Limits
50 or older in 2023. employment.
If you haven’t enrolled on your own or opted
Pre-tax contributions Roth after-tax contribution out of the plan, you will be automatically
enrolled with a payroll deduction of 6% of your
pre-tax pay. Then, your payroll deduction
percentage will increase by 1% each following
Contribution Contributions are made year on July 1 until you reach a contribution rate of
Types Contributions are made after 10%.
before taxes – you pay taxes
taxes – earnings can be
when you withdraw your
withdrawn tax-free. You may opt out of either or both the automatic
money.
enrollment and automatic escalation features at
any time. Visit this page for more information.Commuter Benefits through HealthEquity
Allows you to save on transportation costs through tax-free purchases
OTHER Identity Theft Protection through Allstate Identity Protection
Includes proactive identity and credit monitoring to protect you against identity fraud
BENEFITS Pet Insurance through Nationwide
Can give you peace of mind, knowing you can get help paying for care for your pet
Take advantage of these Employee Assistance Program through LifeWorks
additional benefits: Provides 24/7 counseling support and work/life resources
Child and Elder Care through Bright Horizons
Offers temporary assistance in caring for a family member so you can be at work
Online Education through Outschool
Provides free access to over 100,000 online classes for kids ages 3 – 18
Breastmilk Shipping Service through MilkStork
So breastfeeding parents can pump, pack, and ship milk home to their babies
Fitness & Wellness Membership through Gympass
Gives you get unlimited access to gyms, studios, and wellbeing apps through one app
29NEXT STEPS 30
Your Enrollment Toolkit
Use these tools to assist with benefit election decisions
Digital Benefits Health Plan Cost
Guide Estimator
Your one-stop shop for important information An interactive decision tool that lets you
about Endeavor benefits, vendor contacts, easily see annual cost estimates for each
and enrollment decision tools and resources. health plan option.
It has easy access to vendor sites and
Compare yourself to real-life scenarios
Workday, and available 24/7 from your
and see who your best match “personas”
computer or mobile device.
would be.
Create your own, personalized, cost
estimate using an interactive calculator.
31How to Enroll
ENROLL THROUGH WORKDAY BY NOV. 18, 2022
ON YOUR COMPUTER ON THE WORKDAY MOBILE
+ Log on to your Workday account.
+ Download the mobile app for iPhone or
+ Click on the Benefits Open Enrollment
link under Announcements to begin
Android. See the Mobile App Guide for
detailed instructions.
the enrollment process
+ Log on to your Workday account via the
mobile app.
+ Click on the Benefits Open Enrollment
link under Announcements to begin the
enrollment process.
32Frequently Asked Questions
Where can I find out
Can I update my medical, information about our
dental or vision coverage benefits plans?
at any time?
How can I access my Aetna
Where do I find my ID online (or though the Aetna
employee contributions app) to obtain a temporary
for medical, dental and ID card?
vision?
If I am experiencing a
qualifying event, how do I Go to myendeavorbenefits.com
update my healthcare Should I be receiving a
to access the FAQ answer sheet Medical, Dental, and Vision
coverage?
ID card in the mail?
33
Or, reach out to your Endeavor Benefits team at US_Benefits@endeavorco.comThank You! +
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