BENEFITS. YOUR - YOUR 2020 BENEFITS GUIDE - HGV
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YOUR 2020
BENEFITS GUIDE
MAINLAND U.S.
YOUR
BENEFITS.
YOUR
CHOICE.
Current Team Members: Hilton Grand Vacations is all about experiencing life at
its best. Every day, we focus on creating exceptional
BENEFITS experiences for our Owners and guests. And that’s what
we want for you, too.
ANNUAL As a benefits-eligible HGV Team Member, we invite you to explore all
ENROLLMENT of HGV’s benefits that are available to you and create a benefits
package tailored to your needs. You can “make it yours” by actively
October 21 - enrolling in your benefits by your enrollment deadline.
November 1, 2019
How to enroll in your
HGV benefits
Visit Grand Central at
hgvgrandcentral.com
SIMPLE STEPS
Take a few minutes – for you and your loved ones – to consider your
Go to Team Member Life > 2020 benefits needs.
Benefits and Wellness >
Then, follow these simple steps to ensure you have benefits to protect
Manage/Enroll in Benefits:
Your Benefits Resources your family, improve your health and enhance your life.
Then, follow the easy on-screen
prompts that will guide you
Enroll by your deadline.
through the enrollment process.
Current Team Members1,2: Enroll during benefits Annual Enrollment
between October 21 and November 1, 2019
Need assistance
accessing • New Team Members: Enroll within 90 days from your start date1,2
Grand Central? • Rehired HGV or Hilton Team Members: Enroll within 30 days if you
were rehired less than one year after leaving HGV, or within 90 days
For login or password help,
if rehired one year or more since leaving HGV
contact the HGV Service Desk:
IThelp@hgvc.com It’s easy!
877-641-2582
All Team Members now have
Learn about enrolling
1
an email address, which is
Page
firstname.lastname@hgv.com. in your HGV benefits 4
If you have the same name
as someone else, your email Consider your needs for the year ahead
may include a numeral, such as
firstname.lastname1@hgv.com.
Check with the HGV Service
Choose the benefits that
2
Desk to confirm. best meet your needs Page
Shopping for your benefits is like shopping 5
for anything else. You want to find your
perfect fit, so compare all your options.
Enroll in your HGV benefits
3 It’s quick and easy. You will be able to see
and compare your cost options and HGV’s
subsidy amount when you enroll online at
yourbenefitsresources.com/hgv.
Page
11
Does not apply to all Team Members and may vary based on eligibility or location.
1
2
For specific requirements and details, please refer to your Summary Plan Description (SPD) or
contact the HGV Benefits Center.
2
THINGS TO CONSIDER
• Know that HGV cares about your health • Consider taking advantage of voluntary benefits
HGV helps Team Members live healthier lives by Voluntary medical benefits are designed to
providing high-quality health care coverage. In fact, supplement your medical coverage and offer extra
HGV supports most of the cost of your medical financial protection for those unexpected things that
coverage through a subsidy, which reduces your happen in life. The benefits they provide help offset
medical premiums. You will see your HGV subsidy your deductible and other out-of-pocket expenses if
amount when you enroll in your benefits. you experience a covered condition. Note: You need
to be enrolled in medical coverage to elect any of
• Review all your options Because everyone’s needs these voluntary medical benefit options:
are different, HGV gives you options to consider. For
example, some people want the lowest paycheck – Critical Illness Insurance provides a cash benefit
deductions, while others choose a plan that costs when you or an enrolled dependent becomes
more up front, but less when they need services. See seriously ill with a covered condition.
coverage details when you enroll, and review your – Hospital Indemnity Insurance provides a lump
options carefully. sum payment when you or an enrolled dependent
has a hospital stay. The money can be used to
• Ensure your doctors will be in your insurance cover out-of-pocket costs beyond what your
carrier’s network Visiting out-of-network doctors, medical plan covers, in addition to deductibles,
hospitals, dentists and eye doctors can cost copays and expenses.
substantially more than staying in-network. When
you enroll, you will want to check that your doctors, – Accident Insurance administered by Aflac, helps
dentists and eye care specialists are in-network. pay for costs your health insurance doesn’t cover,
if you have one of over 150 different covered
• Consider your costs One way to help control your events. Use it to pay for your medical insurance
health care costs is by enrolling in the lowest-cost deductible, copays, household bills and more.
insurance carrier for your area. The lowest-cost
carrier may change from year to year, and will differ • Enhanced Short-Term Disability (STD) coverage
depending on where you live. Using the Help Me Provided by HGV For 2020, HGV is enhancing its
Choose tool when enrolling will help determine if company-paid STD benefit.1 STD provides 60% of
the lowest-cost carrier may be the best choice for your weekly earnings for up to 26 weeks, if you
you. Note: Changing insurance carrier networks have a serious injury or illness and are unable to
might require that you change your primary care work. The weekly maximum is being raised from
physician or hospital. $500 per week to $2,308 per week. Because of
this enhancement, optional STD Buy-Up is being
• Save with a Health Savings Account (HSA) If you eliminated for 2020.
choose the Bronze Plus medical plan, you will be
eligible to enroll in a Health Savings Account (see
page 7). For 2020, you can save up to $3,550 if you
cover just yourself or $7,100 if you cover yourself
and your family. If you’re age 55 or older (or will
turn age 55 during the plan year), you can also make
additional “catch-up” contributions to your HSA, up
to $1,000.
3
Learn about your
HGV benefits
To learn more about your options,
LEARN
visit hgvgrandcentral.com >
Team Member Life > Benefits and
WHO CAN ENROLL?
Wellness, then select Manage/ • Full-time HGV Team Members who are regularly scheduled to work at
Enroll in Benefits: Your Benefits least 30 hours per week1
Resources. (Or log into • You can also enroll your legal spouse or domestic partner and any
yourbenefitsresources.com/hgv.) eligible dependent children (through the end of the month in which
You will see a special section they turn age 26)2,3,4
at the top of the page devoted
just to new Team Members! • To ensure all covered dependents are eligible, you will need to
provide verification documents when you add any new dependent
for coverage
WHEN DO I ENROLL?
Current Team Members: Enroll during benefits Annual Enrollment
between October 21 and November 1, 2019
• New Team Members: Enroll within 90 days from your start date1,4
• If you are hired late in the year, you may need to enroll twice – once
for your HGV benefits for the remainder of the current year, and one
more time for the full year ahead. Once you enroll for the current
year, you have 31 days to enroll for the next year.
• Rehired HGV or Hilton Team Members: Enroll within 30 days if you
were rehired less than one year after leaving HGV, or within 90 days
if rehired one year or more since leaving HGV
WHAT IF I DON’T ACTIVELY ENROLL?
• If you do not actively enroll, please understand that you will not have
HGV medical, dental and vision coverage for 2020, nor will you be
able to enjoy the tax savings from participating in a Health Care or
Dependent Day Care Flexible Spending Account (FSA). You will only
participate in benefits and programs that are 100% paid for by HGV.
Current Team Members: If you have any of the following optional
coverages through HGV today, your current coverage will
continue in 2020 - at 2020 rates - unless you make a change
during benefits Annual Enrollment:
• Supplemental Life Insurance
• Spouse/Dependent Life Insurance
• Accidental Death and Dismemberment (AD&D)coverage
• Long-Term Disability
• The next time you will have an opportunity to change or enroll in your
benefits is during Annual Enrollment for 2021 benefits, during the fall
of 2020, unless you experience a qualified life event change, such as
a marriage, divorce, birth, or adoption
Does not apply to all Team Members and may vary based on eligibility or location.
1
2
If you add or change dependents who are covered under HGV health care plans, you will be required
to provide documentation that proves those dependents are eligible. You will receive a letter at home
explaining exactly which documents to submit, how to submit them and when they are due.
3
If you do not have your dependents’ Social Security Numbers (SSNs) when enrolling, it will
not prevent you from enrolling, but it could cause delays in claims processing when your
dependents use health care coverage.
4
For specific requirements and details, please refer to your Summary Plan Description (SPD) or
contact the HGV Benefits Center.
4
CHOOSE Which coverage
level is best?
Don’t let the names of the
When you enroll in your HGV benefits, it’s like any online shopping coverage levels fool you. One
experience. You’ll see a variety of great options for you to choose from option is not any better than the
that best meet your needs. Here’s how to find your fit! other. The coverage levels give you
choices – so you can choose the
one that best meets your needs.
FIRST, CHOOSE YOUR COVERAGE LEVEL To learn more about coverage
Each year, you may see plan changes in your medical options – levels, visit hgvgrandcentral.com >
such as what is covered, increasing deductibles and out-of-pocket Team Member Life > Benefits and
maximums, or changes to your copays and coinsurance. That’s why it’s Wellness, then select Learn About
so important to carefully consider your total expected costs (including Benefits: Make it Yours. Or visit
what comes out of your paycheck and what you pay for care). hgv.makeityoursource.com.
There are four coverage levels, represented by four metallic levels:
When enrolling, you can use the
BRONZE PLUS SILVER GOLD PLATINUM Help Me Choose tool. You simply
Payroll answer a few questions about
ContrLower Higher Higher Highest your preferences, and the tool will
Out-of-Pocket Costs provide an unbiased score (from
Higher Lower Lower Lowest
1 to 100) for each medical option.
The higher the score, the more
Annual Deductible1 (individual/family)
the plan matches your needs and
In-network: In-network: In-network: In-network:
$2,450/$4,9002 $1,000/$2,000 $800/$1,600 $250/$500
preferences.1
Out-of-network: Out-of-network: Out-of-network: Out-of-network: The Help Me Choose tool is provided to help
1
$2,450/$4,9002 $2,000/$4,000 $1,600/$3,200 $5,000/$10,0003 review plans. HGV does not recommend any
specific option or insurance carrier.
Out-of-Pocket Maximum
In-network: In-network: In-network: In-network:
$3,900/$7,8002 $5,300/$10,600 $3,600/$7,200 $2,300/$4,600
Out-of-network: Out-of-network: Out-of-network: Out-of-network:
$11,500/$23,0002 $10,600/$21,200 $7,200/$14,400 $11,500/$23,0003
Access to a Health Savings Account (HSA)
Yes No No No
THEN, CHOOSE YOUR INSURANCE CARRIER
There are several best-in-class insurance carriers from which to choose.
The insurance carrier is the company that will administer your coverage
and determine your provider network.
• Each offers benefits that are consistent within each metallic coverage
level; however, there may be slight differences
• Each carrier offers its own network of providers (doctors, hospitals,
dentists, eye care specialists) and may cover prescription drugs
differently. Ensure that your doctors, dentists and specialists are in
the network you’re considering – because the cost of in-network
providers is much lower.
• Costs vary with each insurance carrier. When enrolling, you can
compare costs to see which carrier offers the lowest-cost option
for you. Note: The lowest-cost insurance carrier for your area may
change from year to year. Using the Help Me Choose tool when
enrolling will help determine if the lowest-cost carrier may be the
best choice for you. (Just remember, you may need to switch doctors
if you switch insurance carriers.)
There are separate annual deductibles and annual out-of-pocket maximums for in- and out-of-
1
network care. Out-of-network charges do not count toward your in-network annual deductible
or annual out-of-pocket maximum. In-network charges do not count toward the out-of-network
annual deductible or annual out-of-pocket maximum.
2
The entire family deductible must be met before the plan will pay benefits for any covered
family member, and the entire family annual out-of-pocket-maximum must be met before the
plan starts to pay for eligible expenses at 100% for the rest of the year. There is no “individual”
annual deductible or out-of-pocket maximum when you have family coverage.
3
For some insurance carriers in CA, CO, DC, GA, MD, OR, VA and WA, an HMO plan that covers
in-network care only.
5
Before You Choose a Carrier
Visit Grand Central at Choose the Health & Insurance
See what insurance carrier hgvgrandcentral.com tab, then select the Find a
networks your doctor is in
Doctor or Hospital link
Go to Team Member Life > Benefits
and Wellness > Manage/Enroll in
Benefits: Your Benefits Resources Choose the Health & Insurance
See if your prescriptions will be tab, then select Prescription
covered under each carrier Or visit Drugs, then choose Save on
yourbenefitsresources.com/hgv Prescriptions to compare carriers
See how your Which insurance carrier should I choose?
options compare • Compare coverage and premiums. Each carrier offers the same metallic
levels, but the cost you pay for coverage may vary.
For detailed information on
medical, prescription drug, • If you choose the same metallic option under a different insurance
dental or vision coverage, check carrier, you may be able to get similar services and pay less
out the comparison charts on • Insurance carriers have their own list of preferred drugs and step
pages 14 – 20 therapy requirements.1 This is important if you are taking ongoing
prescriptions for a medical condition. You will want to know if your
prescriptions are covered and how much you will pay throughout
the year.
– The Find a Doctor tool is an easy way to see if your doctors are
in each insurance carrier’s network. Also, check out the reviews to
see what others are saying about the insurance carrier’s customer
service, network of providers and websites. You can also rate your
current carrier through the Rate Your Carrier link.
– The Check Your Prescriptions tool is a good way to see if your
current prescriptions are covered, and any drug requirements that
may apply
1
Step therapy requires that you try some medications first before “stepping up” to drugs that
cost more. For example, you might try an over-the-counter medication for your allergy, but it
does not control your symptoms. Your doctor prescribes a prescription drug that still does not
give you relief. A third medication that is more expensive works well, but requires step therapy.
In this case, your prescription is covered only if you have tried the first two choices. If you have
not tried the first two choices, the drug may cost you more or may not be covered at all.
How can you learn more about
your HGV benefits?
LEARN MORE about your HGV Benefits by going to
hgvgrandcentral.com > Team Member Life > Benefits and
Wellness, then select Learn About Benefits: Make it Yours
Or visit hgv.makeityoursource.com. There are also useful
articles and videos about using your benefits
ENROLL: During your enrollment period, you can compare
your options, features and costs – then choose the options
that best meet your needs. Visit hgvgrandcentral.com >
Team Member Life > Benefits and Wellness, then select
Manage/Enroll in Benefits: Your Benefits Resources.
Or log into yourbenefitsresources.com/hgv
6
CHOOSING BRONZE PLUS QUALIFIES Consider a flexible
YOU FOR A HEALTH SAVINGS ACCOUNT spending account
If you enroll in the Bronze Plus medical coverage level, you can open a (FSA)
Health Savings Account (HSA), which offers tax advantages, including a • A Health Care FSA allows you to
tax-free way to pay for eligible health care expenses. use before-tax dollars to pay for
• HSA contribution limits for 2020 – You can contribute between eligible expenses
$100 and $3,550 for individual coverage, or $7,100 if you have family • FSAs have a use-it-or-lose-it rule
coverage (If you are age 55 or older, you may contribute up to an
additional $1,000 in catch-up contributions) • You can only use the funds from
your 2020 FSA for services
• Accessing your HSA funds – You can use the Your Spending Account™ performed between January 1,
(YSA) Visa debit card to pay for eligible health care expenses incurred 2020 and March 15, 2021
by you or any qualified tax dependent. You can also pay for expenses
yourself, and then reimburse yourself by transferring money from your • You can contribute to both an
HSA to your own personal bank account. HSA and a Health Care FSA.
However, if you have an HSA,
• You can manage your HSA online. Simply access the YSA website your Health Care FSA can only
through Your Benefits Resources™ be used to pay for eligible
• Download the mobile app called Reimburse Me from the Apple App dental and vision expenses.
Store or Google Play You will receive one YSA debit
• Stay informed of account activity instantly by signing up for text card to use for both accounts.
messages YSA will automatically recognize
• Grow your savings When your HSA has a balance of $1,000 or more, your expenses and will deduct
you can choose to invest the money and receive any investment from the appropriate account.
earnings tax-free
Restrictions apply. Talk to your tax advisor to ensure you are eligible to make HSA contributions.
SIDE-BY-SIDE: Compare the financial accounts
HEALTH SAVINGS HEALTH CARE FLEXIBLE LIMITED PURPOSE FSA DEPENDENT CARE FSA
ACCOUNT (HSA) SPENDING ACCOUNT (FSA)
Who is Only those enrolled in Anyone Anyone in Bronze Plus Anyone
eligible Bronze Plus medical plan medical plan with an HSA
Purpose Reimburses you for eligible Reimburses you for eligible Reimburses you for eligible Reimburses you for
medical, dental and vision medical, dental and vision dental or vision expenses dependent care services
expenses now and in the expenses in the current year (only) in the current year (i.e., preschool, summer day
future – even in retirement. through March 15 of the through March 15 of the camp, before- or after- school
following year following year programs, and child or adult
daycare) so you can work
Contribution If you have Individual Between $260 and $2,700 Between $260 and $2,700 Up to $5,000
limits for 2020 coverage: $100 - $3,550
If you have family coverage:
$100 - $7,100
Additional $1,000 if you will
be age 55 or older in 2020
Changes to You can start, stop or Once enrolled, no changes (unless you have a qualified life event during the year)
contributions change your contributions
at any time
Earns interest Yes No
Tax • Contributions are pre-tax • Contributions are pre-tax
advantages • Your HSA grows tax- • You do not pay taxes on the money used to pay for eligible expenses
free (through interest or
investment earnings)
• Withdrawals are tax-free
(as long as the money is
used for eligible health
care expenses)
Unused Any unused money stays FSAs have a “use it or lose it” rule. You have until April 30 of the following year to
balance in your HSA submit your claims. After that, you lose any remaining funds in your FSA.
If you Take your HSA with you. You can submit claims only for eligible expenses that were incurred before you leave.
leave HGV You own the account You lose any remaining funds.
7
How much life CHOOSING BEYOND HEALTH BENEFITS
insurance do In addition to offering the medical, dental and vision coverage you and
you need? your family need, HGV is proud to offer industry-leading benefits that
enhance all aspects of your life.
Go to lifebenefits.com/
insuranceneeds and At HGV, we believe that life is a journey toward “well-being” – and HGV
choose the Life Insurance benefits are designed to enhance that journey every step of the way.
Needs Calculator.
Protection from the unexpected
Life’s journey can be full of twists and turns – so HGV provides benefits
that can help smooth the road ahead. We provide a level of income
protection from life’s unexpected events, such as a serious illness or
injury that keeps you from working and bringing home a paycheck. We
also provide life insurance to provide protection for your loved ones
should something happen to you.
Basic Short-Term Disability (STD) Paid by HGV
and provided
HGV provides Short-Term Disability Insurance,1 to you
which pays 60% of your basic weekly earnings for automatically
up to 26 weeks. The weekly maximum for 2020 is
$2,308.
STD begins to pay benefits after your first seven
consecutive days off and provides protection that
can help you pay some bills until you are able to
get back to work.
Long-Term Disability (LTD)2 Optional
coverage
If you are ill or injured and unable to work for
paid by
more than 180 consecutive days, LTD replaces
Team
a portion of your income. You may choose to
Member
purchase either of the following coverage levels:3
• 60% of your pay, up to a monthly maximum of
$20,000 (less deductible sources of income)
• 50% of your pay, up to $3,000 (less deductible
sources of income)
Either option is paid with after-tax dollars, so
should you need this benefit, you will receive the
money tax-free.
STD is provided by state mandate in California, Hawaii, New Jersey, New York, Puerto Rico, and
1
Rhode Island. Contact your local HR department for details. If you are in Hawaii or New York,
contact Cigna directly.
2
If you are enrolled in this plan and your disability begins during your first 12 months participating,
the plan will not pay benefits for that disability if it is due to a pre-existing condition. A pre-existing
condition is an illness or injury for which you have received medical services or advice, saw a
doctor for diagnostic tests or treatment, or took prescribed drugs within three months of the
date your coverage became effective or the effective date of your LTD benefits increase.
3
Certain amounts of coverage may require Evidence of Insurability (EOI).
8
Beneficiaries
Basic Life Insurance Paid by HGV
and provided up to date?
Financial protection for your loved ones should to you
you pass away. Basic Life Insurance pays your For your Life and AD&D
automatically
beneficiary an amount equal to 1x your regular Insurance benefits, please
annual eligible earnings, up to the plan’s $2.5 million choose a beneficiary when
maximum. See the Summary Plan Description (SPD) you enroll on the enrollment
for more details.
website. A beneficiary is
a person you choose to
receive benefits if you die.
Supplemental Life Insurance Optional
coverage It’s important to keep this
In addition to your Basic Life Insurance, you may information up to date as your
paid by
purchase more protection for your loved ones –
Team situation changes (for example,
from 1x to 8x your regular annual eligible earnings,
Member if you get married, divorced or
up to a maximum of $2.5 million – not combined
with your Basic Life benefits.3 have a child).
Dependent Life Insurance Optional
coverage
Dependent Life Insurance pays benefits to you if
paid by
your child or spouse/domestic partner passes away.3
Team
You may choose:
Member
• Spouse/Domestic Partner Life: $5,000, $10,000,
$25,000, $50,000 or $100,000; amount may
not be more than 100% of your total life benefits
(Basic and Supplemental combined)
• Child(ren) Life: $5,000 or $10,000 per child from
live birth to age 26
Accidental Death and Dismemberment Optional
(AD&D) Insurance coverage
paid by
AD&D provides a cash benefit to your beneficiary if Team
you die in a covered accident or a payment to you Member
if the accident results in a covered loss that causes
a permanent impairment (such as loss of a limb or
eyesight). You can choose coverage for yourself
of 1x to 8x your regular annual eligible earnings,
up to a maximum of $2.5 million – not combined
with your Basic Life Insurance benefits. If you enroll
in AD&D coverage for yourself, you can purchase
Family AD&D:
• A spouse/domestic partner is covered for 40% of
your AD&D amount, and each child is covered at
10% of your AD&D amount
• If you have an eligible spouse/domestic partner
but no eligible children, your spouse/domestic
partner is covered at 50% of your AD&D amount
• If you have eligible children but no eligible
spouse/domestic partner, each child is covered at
15% of your AD&D amount
• In any case, the maximum benefits allowed are up
to $500,000 for your spouse/domestic partner, and
up to $50,000 per child
Business Travel Accident (BTA) Insurance Provided to
some Team
BTA Insurance pays your beneficiary a cash benefit
Members
if you are killed or are seriously injured while
by HGV
traveling on company business.4
(automatic)
Not available to all Team Members at all locations. Benefits may vary based on eligibility or
4
location. Benefits of Team Members represented by a union will be governed by the applicable
collective bargaining agreement or applicable bargaining obligation.
9Other things to enroll in once a year
During your enrollment period, you may also choose to enroll in the following benefits
TURN TIME INTO MONEY If you don’t plan to use all your paid time off1 – or you’d rather have
money instead of time off – HGV’s PTO Sell Program provides a way for you to sell back up to
40 hours per year of the PTO you will accrue in the year ahead.2 Based on the amount of accrued
PTO hours you have remaining at the end of October 2020, you will receive a payout for the hours
elected (and still available). Your payout (usually in your first paycheck in December) will be based
on your salary as of November 2020.
ACCIDENT INSURANCE Accidents happen when you least expect them, and trips to the
emergency room can be very expensive. Even seemingly small injuries can come with high hospital
bills. Accident Insurance from Aflac provides a financial cushion for life’s unexpected events by
helping you pay for costs that aren’t covered by your medical plan. If you are in an accident and
suffer a covered injury (such as a fracture, dislocation, or concussion) or need medical services
(such as an ambulance, surgery or physician follow-up), Accident Insurance can help pay for
deductibles, copays, household bills and more.
INSURANCE TO HELP CURE HIGH HOSPITAL EXPENSES Health care coverage only covers
certain expenses. But if you or a family member is admitted to a hospital, there may be many costs
that you will have to pay. Hospital Care Coverage from Cigna pays you a cash benefit if you or a
covered family member is admitted to a hospital. Note: If you enroll in Bronze Plus coverage, this
can be particularly valuable since it can be used to cover health insurance deductibles upon
the occurrence of certain events. Coverage includes a hospital admission benefit ($1,000) and a
hospital confinement benefit of $200 per day for up to 30 days.
NEED LEGAL SUPPORT? HGV has partnered with Hyatt Legal Plans, a MetLife Company, to offer
you valuable legal services at group rates and through convenient payroll deductions. If you
anticipate needing legal advice in the year ahead, this benefit can eliminate the stress of finding a
lawyer and paying hefty legal fees. It gives you access to experienced, pre-qualified attorneys for
an unlimited number of personal legal matters, including creating or updating wills and trusts,
debt matters, real estate transactions, traffic violations and more.
This benefit is only available during benefits Annual Enrollment. You may not enroll during the
year, even if you have a qualified life event change. Learn more at legalplans.com (access code:
9900395) or call 800-821-6400. Visit hgvgrandcentral.com > Team Member Life > Benefits
and Wellness for more information.
DON’T BECOME AN IDENTITY THEFT VICTIM Identity thefts occur every day. To provide the
protection you need, HGV offers Identity Theft Protection through InfoArmor. You can choose
to cover yourself – and/or your family members. InfoArmor will continually monitor your credit
reports and scores and will create an annual credit report. They will also monitor social media.
In addition, they offer restoration services should your identity be stolen – and up to a million
dollars of coverage should someone steal your identity and your bank account.
PTO does not apply to all Team Members at every level.
1
2
PTO Sell does not apply to all Team Members at every level.
10ENROLL Need assistance
logging into
hgvgrandcentral.com?
LOG IN Contact the
HGV Service Desk
From work: Visit Grand Central at hgvgrandcentral.com at 877-641-2582 or
Go to Team Member Life > Benefits and Wellness > ITHelp@hgvc.com.
Manage/Enroll in Benefits: Your Benefits Resources
Or: Log into yourbenefitsresources.com/hgv
ENROLL
Follow the easy steps that guide you through the enrollment process.
Look for the helpful and easy-to-use online decision tools.
For medical, dental and vision coverage, choose each of your
dependents whom you want covered.
Benefits that are 100% company-paid, such as Basic Life Insurance,
will remain in place. No action is required on your part to continue this
coverage.
Current Team Members: If you have any of the following optional
coverages through HGV today, your current coverage will
continue in 2020 – at 2020 rates – unless you make a change
during benefits Annual Enrollment:
• Supplemental Life Insurance
• Spouse/Dependent Life Insurance
• Accidental Death and Dismemberment (AD&D)coverage
• Long-Term Disability
CONFIRM
Once you’ve made all of your selections, your elections are saved.
However, make sure to hit Confirm in order to complete your
enrollment. Review your choices on the Confirmation of Enrollment
page, and print a copy for your records.
11MORE
OUTSTANDING BENEFITS THAT MAKE LIFE BETTER ... YEAR ROUND
Take advantage of all the great rewards that HGV offers – outstanding benefits that can save you time, and money,
and simply make life better
GET EXCLUSIVE TRAVEL DISCOUNTS! Go Hilton – Team Member Travel Our signature benefit –
and definitely one of our most popular! Go Hilton provides exceptional travel experiences to Team
Members, their families and friends – all at amazing discounts! Go Hilton provides 70 Family & Friend
room nights in 2020. Combined with your current 30 Team Member nights, that’s a total of 100 Go
Hilton nights for 2020! Plan your next getaway at hilton.com/go. Visit hgvgrandcentral.com >
Team Member Life > Go Hilton for more information.
EXPERIENCE CONCIERGE SERVICE To help you get the most out of the Go Hilton travel program,
the Go Hilton Concierge service offers support with hotel searches, room reservations, cancellations,
changes and other Go Hilton questions. Email Go.Concierge@hilton.com for more information.
ENHANCED PARENTAL LEAVE FOR PARENTS OF A NEW BABY! At HGV, our Team Members and
their families are part of our family. And we want the best for our family! We understand there are
few moments in life more precious than those spent bonding with a new child. HGV’s Parental Leave
Plan is one of the best in the industry! HGV now offers up to 12 consecutive weeks of fully paid
parental leave to eligible Team Members.
BEST IN THE INDUSTRY! Adoption Assistance In addition to fully paid parental leave, HGV
offers an industry-leading adoption assistance benefit that reimburses eligible Team Members
for adoption expenses – up to $10,000 per child, with no limit to the number of adoptions.1 For
more information, contact the plan administrator, Your Spending Account, at 844-487-5601. Visit
hgvgrandcentral.com > Team Member Life for more information.
MAKE TIME TO TAKE TIME! HGV’s Paid Time Off (PTO) Program2 provides an opportunity for you
to use time off during the year to recover when you’re not feeling well, to enjoy adventure, or simply
for a little rest and relaxation. Take the time you need, when you need it.
TELEMEDICINE – TALK TO A DOCTOR, BUT AVOID THE WAITING ROOM Most medical carriers
offer telemedicine as a convenient alternative to going to the doctor’s office. Simply call your carrier
using the number on the back of your medical ID card. The copay/cost is similar to an office visit. The
telemedicine doctor can diagnose your illness and write a prescription, if needed. Covered students in
your family who are away at college can use this valuable benefit too.
GET GREAT DISCOUNTS AND DEALS Maximize your spending dollars by using our great Team Member
discount program from perksatwork.com – you’ll save on computers, phone service, home improvement
products, theater tickets and much more! Visit hgvgrandcentral.com > Team Member Life > Perks and
Discounts for more information.
BUILD YOUR FUTURE The HGV Retirement Savings Plan, administered by T. Rowe Price, makes it
super easy! To get started, visit rps.troweprice.com or call 800-922-9945. Visit hgvgrandcentral.com >
Team Member Life > Benefits and Wellness for more information.
The Internal Revenue Service (IRS) sets limits on the amount of adoption assistance that can be provided free of federal income taxes each year. You will be
1
required to pay income taxes on any adoption assistance benefits that you receive in excess of the IRS limit.
2
PTO does not apply to all Team Members at every level.
12SAVE MONEY ON COMMUTER EXPENSES HGV’s Commuter benefit allows you to set aside pre-tax
funds each month from your paycheck to pay for qualified commuting expenses, like parking expenses
or public transportation fees (bus, train, subway, ferry, trolley or vanpool) – up to $260/month for
transit and $260/month for qualified parking.
REAL HELP WHEN YOU NEED IT MOST If you’re facing a complicated benefits or billing issue,
Advocacy Services provides free assistance when you need it. Professionally trained Health Pros
can help you resolve even the most challenging health care billing and insurance claim disputes,
understand your HGV benefits, and consider the best course of action when you have a medical or
benefits question or concern. Your Health Pro is ready to help! Contact Advocacy Services by calling
the HGV Benefits Center at 844-487-5601, Monday through Friday, 9 a.m. to 7 p.m. ET, and listen to
the prompts to reach Advocacy Services.
STAY FIT FOR LESS The Active&Fit Direct program™ offers discounted gym memberships to
HGV Team Members! Choose from more than 10,000 participating fitness centers and select
YMCAs, nationwide for only $25 per month (plus a $25 enrollment fee and applicable taxes).
To enroll, visit Grand Central at hgvgrandcentral.com. Go to Team Member Life > Benefits and
Wellness > Active&Fit.
The Active&Fit Direct program is provided by American Specialty Health Fitness, Inc., a subsidiary
of American Specialty Health Incorporated (ASH). Active&Fit Direct is a trademark of ASH.
TAKE STOCK IN THE COMPANY – AT A DISCOUNT! Twice a year, we offer Team Members an
opportunity to become stockholders in the company. Through the Employee Stock Purchase
Plan (ESPP), eligible Team Members can purchase HGV common stock at a 5% discount through
convenient payroll deductions, becoming an owner in our company.
GIVE A LITTLE LOVE FOR YOUR PETS, TOO! If you’re a pet lover, you know how costly veterinary
bills can be. HGV’s Pet Insurance from MetLife covers a wide range of veterinary services. You pay
just a little, and Pet Insurance pays the rest! Use any licensed veterinarian, and you can add or drop
coverage at any time during the year.
SAVE MONEY ON AUTO/HOME/RENTER’S INSURANCE As an HGV Team Member, you can
take advantage of special group rates and policy discounts on many types of insurance – including
auto, home, condominium, renter’s, and recreational vehicle insurance. You enroll for coverage
directly with the insurance carrier, which you’ll be able to find on the enrollment website. You can
add or drop coverage at any time during the year and pay your premiums by credit card, debit
card or payroll deductions.
THE HELP YOU NEED – WHENEVER YOU NEED IT There are so many helpful benefits available
through our Employee Assistance Program (EAP), administered by ComPsych, most at no cost to
you. Work-life specialists can provide referrals to local child care centers, after-school programs and
summer camps for kids, or referrals to assisted living and other housing options for the elderly. They
can also provide expert counseling services for individuals and families – for whatever you’re going
through. Don’t feel that you are alone! You and your dependents can get up to six free confidential
counseling sessions per issue per year. Get more information at guidanceresources.com (Organization
Web ID: HGVEAP) or 844-236-4491.
HEADED ON AN INTERNATIONAL VACATION? We offer affordable, comprehensive International
Vacation Medical Coverage from GeoBlue for family members traveling outside the U.S. Call
844-358-7278 for more information.
A HEALTH CARE EXPERT IS IN YOUR CORNER When you have a bill of at least $300 from an
out-of-network provider, Bill Negotiation Services is available to make sure the amount billed
is appropriate. In some cases, they can help save 20% or more! Anytime during the year, go to
medicalcostadvocate.com.aon or call 844-891-8981.
13PLAN COMPARISON CHARTS
Medical coverage level options
You have several coverage levels to choose from. Each coverage level is available from different insurance carriers at
different costs.
When you enroll, you’ll find plenty of tools and resources to help you choose a coverage level.
BRONZE PLUS SILVER GOLD PLATINUM
Option type High-deductible PPO PPO PPO that offers
option with HSA limited benefits for
out-of-network care*
Paycheck $ $$ $$$ $$$$
contributions
Annual deductible
In-network $2,450/$4,900 $1,000/$2,000 $800/$1,600 $250/$500
(individual/family)
Out-of-network $2,450/$4,900 $2,000/$4,000 $1,600/$3,200 $5,000/$10,000
(individual/family)
Traditional or True family Traditional Traditional Traditional
true family?
Annual out-of-pocket maximum
In-network $3,900/$7,800 $5,300/$10,600 $3,600/$7,200 $2,300/$4,600
(individual/family)
Out-of-network $11,500/$23,000 $10,600/$21,200 $7,200/$14,400 $11,500/$23,000
(individual/family)
Traditional or True family Traditional Traditional Traditional
true family?
In-network benefits
Preventive care Covered 100%, Covered 100%, Covered 100%, Covered 100%,
no deductible no deductible no deductible no deductible
Doctor’s office visit You pay 25% You pay $30 for You pay $25 for You pay $25 for
after deductible PCP visit and $50 PCP visit and $40 PCP visit and $40
for specialist visit, for specialist visit, for specialist visit,
no deductible no deductible no deductible
Emergency room You pay 25% You pay $150, then You pay 25% You pay 15%
after deductible 30% after deductible after deductible after deductible
Urgent care You pay 25% You pay 30% You pay 25% You pay 15%
after deductible after deductible after deductible after deductible
Inpatient care You pay 25% You pay 30% You pay 25% You pay 15%
after deductible after deductible after deductible after deductible
Outpatient care You pay 25% If not an office visit, If not an office visit, If not an office visit,
after deductible you pay 30% after you pay 25% after you pay 15% after
deductible deductible deductible
*For some insurance carriers in CA, CO, DC, GA, MD, OR, VA and WA, the Platinum coverage is an HMO option that covers in-network care only.
Traditional Deductible: Once a covered family member meets the individual deductible, insurance will begin paying benefits for that family member.
Traditional Out-of-Pocket Maximum: Once a covered family member meets the individual out-of-pocket maximum, insurance will pay the full cost of covered
charges for that family member.
True Family Deductible: The entire family deductible needs to met before insurance will pay benefits for any covered family member.
True Family Out-of-Pocket Maximum: The entire family out-of-pocket maximum needs to met before insurance will pay the full cost of covered charges for
any covered family member.
14PLAN COMPARISON CHARTS
Prescription drug coverage
BRONZE PLUS SILVER GOLD PLATINUM
Preventive drugs You pay $0* You pay $0* You pay $0* You pay $0*
30-day retail supply
Tier 1 You pay 100% You pay $12 You pay $10 You pay $8
(generally until you reach the
lowest-cost deductible, then
options) you pay 25%
Tier 2 You pay 100% You pay $50 You pay $40 You pay $30
(generally until you reach the
medium-cost deductible, then
options) you pay 25%
Tier 3 You pay 100% You pay $70 You pay $60 You pay $50
(generally until you reach the
highest-cost deductible, then
options) you pay 25%
90-day retail or mail-order supply
Tier 1 You pay 100% You pay $30 You pay $25 You pay $20
(generally until you reach the
lowest-cost deductible, then
options) you pay 25%
Tier 2 You pay 100% You pay $125 You pay $100 You pay $75
(generally until you reach the
medium-cost deductible, then
options) you pay 25%
Tier 3 You pay 100% You pay $175 You pay $150 You pay $125
(generally until you reach the
highest-cost deductible, then
options) you pay 25%
*Preventive drugs are determined by the insurance carrier. You will need a doctor’s prescription for the medication – even for products sold over the counter
(OTC) – and you will need to use an in-network retail pharmacy or mail-order service.
15PLAN COMPARISON CHARTS
Live in California?
Your options will be different, depending on the insurance carrier you choose.
For starters, each insurance carrier in California may offer each coverage level either as an option that
offers in- and out-of-network benefits (e.g., a PPO) or an option that offers in-network benefits only
(e.g., an HMO).
Also, insurance carriers can choose to offer either the standard Gold option or a Gold II option – not
both. The Gold II option offers only in-network benefits.
Review the table below to see which insurance carriers offer out-of-network benefits for the coverage
levels you’re considering.
BRONZE PLUS SILVER GOLD GOLD II PLATINUM
In- and In- and In- and In- and
Aetna out-of- out-of- out-of- N/A out-of-
network network network network
In- and In- and In- and
In-network
Cigna out-of- out-of- N/A out-of-
only
network network network
In- and In- and In- and In- and
Florida
out-of- out-of- out-of- N/A out-of-
Blue
network network network network
Kaiser In-network In-network In-network In-network
N/A
Permanente only only only only
In- and In- and In- and In- and
United-
out-of- out-of- out-of- N/A out-of-
Healthcare
network network network network
16PLAN COMPARISON CHARTS (CALIFORNIA)
Medical coverage level
BRONZE PLUS SILVER GOLD GOLD II PLATINUM
Option type High-deductible PPO PPO HMO PPO that offers
option with HSA limited benefits
for out-of-
network care*
Paycheck $ $$ $$$ $$$ $$$$
contributions
Annual deductible
In-network $2,450/$4,900† $1,000/$2,000 $800/$1,600 N/A $250/$500
(individual/family)
Out-of-network $2,450/$4,900† $2,000/$4,000 $1,600/$3,200 N/A $5,000/$10,000
(individual/family)
Traditional or True family Traditional Traditional Traditional Traditional
true family?
Annual out-of-pocket maximum
In-network $3,900/$7,800‡ $5,300/$10,600 $3,600/$7,200 $5,400/$10,800 $2,300/$4,600
(individual/family)
Out-of-network $11,500/$23,000‡ $10,600/$21,200 $7,200/$14,400 N/A $11,500/$23,000
(individual/family)
Traditional or True family Traditional Traditional Traditional Traditional
true family?
In-network benefits
Preventive care Covered 100%, Covered 100%, Covered 100%, Covered 100% Covered 100%,
no deductible no deductible no deductible no deductible
Doctor’s office visit You pay 25% You pay $30 for You pay $25 for You pay $25 for You pay $25 for
after deductible PCP visit and PCP visit PCP visit PCP visit
$50 for specialist and $40 for and $40 for and $40 for
visit, no specialist visit, specialist visit specialist visit,
deductible no deductible no deductible
Emergency room You pay 25% You pay $150, You pay 25% You pay 30% You pay 15%
after deductible then 30% after after deductible after deductible
deductible
Urgent care You pay 25% You pay 30% You pay 25% You pay 30% You pay 15%
after deductible after deductible after deductible after deductible
Inpatient care You pay 25% You pay 30% You pay 25% You pay 30% You pay 15%
after deductible after deductible after deductible after deductible
Outpatient care You pay 25% If not an office If not an office If not an office If not an office
after deductible visit, you pay visit, you pay visit, you pay visit, you pay
30% after 25% after 30% 15% after
deductible deductible deductible
*For some insurance carriers in CA, CO, DC, GA, MD, OR, VA and WA, the Platinum coverage level is an HMO option that covers in-network care only.
†Under Kaiser Permanente, if you cover dependents, no covered member pays more than $2,700 toward the family deductible. Also, these options
feature a traditional annual deductible.
‡Under Kaiser Permanente, these options feature a traditional annual out-of-pocket maximum.
17PLAN COMPARISON CHARTS (CALIFORNIA)
Prescription drug coverage
BRONZE PLUS SILVER GOLD GOLD II PLATINUM
Preventive drugs You pay $0* You pay $0* You pay $0* You pay $0* You pay $0*
30-day retail supply
Tier 1 You pay 100% You pay $12 You pay $10 You pay $10 You pay $8
(generally until you reach
lowest-cost the deductible,
options) then you
pay 25%
Tier 2 You pay 100% You pay $50 You pay $40 You pay $40 You pay $30
(generally until you reach
medium-cost the deductible,
options) then you
pay 25%
Tier 3 You pay 100% You pay $70 You pay $60 You pay $60 You pay $50
(generally until you reach
highest-cost the deductible,
options) then you
pay 25%
90-day retail or mail-order supply
Tier 1 You pay 100% You pay $30 You pay $25 You pay $25 You pay $20
(generally until you reach
lowest-cost the deductible,
options) then you
pay 25%
Tier 2 You pay 100% You pay $125 You pay $100 You pay $100 You pay $75
(generally until you reach
medium-cost the deductible,
options) then you
pay 25%
Tier 3 You pay 100% You pay $175 You pay $150 You pay $150 You pay $125
(generally until you reach
highest-cost the deductible,
options) then you
pay 25%
*Preventive drugs are determined by the insurance carrier. You need to have a doctor’s prescription for the medication – even for products sold over the
counter (OTC) – and you need to use an in-network retail pharmacy or mail-order service.
18PLAN COMPARISON CHARTS
Dental coverage level options
BRONZE PLUS SILVER GOLD PLATINUM2
Annual deductible and plan limits
Annual deductible $100/$300 $100/$300 $50/$150 None
(individual/family)
Annual maximum $1,000 per person $1,500 per person $2,500 per person None
(excludes
orthodontia)
Orthodontia Not covered $1,500 per child $2,000 per person Varies by
lifetime maximum1 insurance carrier
In-network benefits
Preventive care 100% covered, 100% covered, 100% covered, Varies by insurance
no deductible no deductible no deductible carrier; generally
covered 100%
Minor restorative care You pay 20% You pay 20% You pay 20% Varies by
(e.g., root canal after deductible after deductible after deductible insurance carrier
treatment, gum
disease treatment,
and oral surgery)
Major restorative care Not covered You pay 40% You pay 20% Varies by
(e.g., implants, after deductible after deductible insurance carrier
dentures)
Orthodontia Not covered You pay 50%, no You pay 50%, no Varies by
deductible; children deductible; for insurance carrier
up to age 19 only children and adults
Limits:
• Fluoride treatment limited to two per plan year, until age 19
• Sealant limited to once every three years, until age 19
• Periodontal maintenance limit: four per plan year
If you switch insurance carriers, any orthodontic expenses you’ve already incurred under your current carrier will count toward your new carrier’s
1
orthodontia lifetime maximum.
2
Platinum coverage is an HMO option. Not available in some limited areas. Only the coverage levels for which you are eligible will show as options
when you enroll.
19PLAN COMPARISON CHARTS
Vision coverage level options
BRONZE PLUS SILVER GOLD
Routine vision exam (once Covered 100% You pay $20 You pay $10
per plan year)
Frames (once per plan year) Discount may apply $100 allowance1 $200 allowance1
Lenses (once per plan year; premium lenses may cost more)
Single vision Discount may apply You pay $20 You pay $10
Bifocal Discount may apply You pay $20 You pay $10
Trifocal Discount may apply You pay $20 You pay $10
Standard progressive2 Discount may apply You pay $20 You pay $10
Lenticular Discount may apply You pay $20 You pay $10
Lens enhancements
UV treatment Discount may apply You pay $15 You pay $15
Tint (solid and gradient) Discount may apply You pay $15 You pay $15
Standard plastic scratch- Discount may apply You pay $15 You pay $15
resistant coating
Standard anti-reflective Discount may apply You pay $45 You pay $45
coating
Standard polycarbonate Discount may apply You pay $40 You pay $15
(adults)
Standard polycarbonate Discount may apply You pay nothing You pay nothing
(children)
Other add-ons Discount may apply Discount only Discount only
Contact lenses
Medically necessary Not covered You pay $20 You pay $10
Elective Not covered $100 allowance 1
$200 allowance1
Fit and evaluation Discount may apply You pay $20 You pay $10
Laser surgery
Elective 15% off regular price or 15% off regular price or 15% off regular price or
5% off promotional price 5% off promotional price 5% off promotional price
Allowance can be used for frames or elective contact lenses, but not both.
1
2
Vision benefits are for standard progressives. Enhanced progressives may cost more and will vary by insurance carrier.
These charts are a high-level listing of commonly covered benefits across carriers and coverage levels for the Aon
Active Health Exchange. They are intended to provide you with a snapshot of benefits provided across coverage
levels. In general, carriers have agreed to the majority of standardized plan benefits recommended by the exchange.
Individual carriers may offer coverage that differs slightly from the standard coverage reflected here.
The enrollment website gives a more detailed look at these and additional coverages – and does account for some
carrier adjustments to standardized plan benefits. To see summaries when you enroll online, check the boxes next to
the options you want to review and click Compare. In order to get the most comprehensive information about any
specific coverage, you will need to call the carrier directly.
Note: For additional comparison, you may find Summaries of Benefits and Coverage on the enrollment website.
20USE
Where to go when you need care
Walk-in clinic* or
telemedicine Doctor’s office Urgent care center Emergency room
Cost $ $$ $$$ $$$$
Reasons to go • When you have • Annual preventive • Fever without a rash • An emergency:
symptoms of a care checkup life-threatening
• Non-life-threatening
common illnesse illness or injury
• When you have allergic reactions
(cough, flu,
symptoms of a • If you think you
bronchitis, ear • Burns, broken bones
common illness may be having a
infection, sore • Sprains and cuts
(cough, flu, heart attack
throat, urinary tract (and stiches, if
bronchitis, ear
infection, or skin • Sudden pain
infection, sore needed)
condition like a rash • Difficulty breathing
throat, urinary tract • Other serious but
or itching)
infection or skin non-life-threatening • Deep cuts
• Can diagnose your condition like a rash conditions
illness and write or itching)
a prescription, if
• Screenings
needed
• Vaccinations
• Walk-in clinics also
handle screenings
and vaccinations
Free preventive care
included with your HGV
medical plan
Your preventive care checkup is 100%
covered under your HGV medical plan.
When you call your doctor’s office, simply
tell the receptionist that you’d like to
schedule your preventive care checkup.
With regular checkups, your doctor can
identify risk factors for chronic disease –
even if you have no apparent symptoms.
Preventive care services include wellness
visits and standard immunizations, and
screenings for blood pressure, certain
cancers, cholesterol issues, obesity and
Type 2 diabetes.
21HELP
HERE TO ASSIST YOU
Whenever you have questions or concerns about your HGV benefits, call the HGV Benefits Center at 844-487-5601,
Monday through Friday, 9 a.m. to 7 p.m. ET.
If you have questions about specific benefits, you can contact the insurance carrier or provider.
Medical
insurance Pre-enrollment Post-enrollment
carrier Phone Phone Pre-enrollment website Post-enrollment website
Aetna 855-496-6289 855-496-6289 aetna.com/aon/fi/2020 aetna.com
Cigna 855-694-9638 855-694-9638 connections.cigna.com/ my.cigna.com
aonactivehealth-2020/
Dean / Prevea360 877-232-9375 877-232-9375 aon.deanhealthplan.com aon.deanhealthplan.com
Florida Blue 800-967-8938 800-664-5295 choosefloridablue.com floridablue.com
Geisinger 844-390-8332 844-390-8332 geisinger.org/aon geisinger.org/member-portal
Kaiser 877-580-6125 CA: kp.org/aon kp.org
Permanente 800-464-4000
CO:
303-338-3800
GA:
404-261-2590
Mid-Atlantic:
800-777-7902
Northwest:
800-813-2000
Medical Mutual 800-677-8028 800-541-2770 medmutual.com/aon member.medmutual.com
Priority Health 833-207-3211 833-207-3211 priorityhealth.com/aon member.priorityhealth.com
UnitedHealthcare 888-297-0878 888-297-0878 welcometouhc.com/aon3 myuhc.com
Dental
insurance
carrier Phone Pre-enrollment website Post-enrollment website
Aetna 855-496-6289 aetna.com/aon/fi/2020 aetna.com
Cigna 855-694-9638 connections.cigna.com/ my.cigna.com
aonactivehealth-2020/
Delta Dental 800-503-4162 ddca.deltadentalexchange.com/ deltadentalins.com
(Bronze, Silver, Post-enrollment: 800-471-7614
Gold)
Delta Dental 800-546-9751 ddca.deltadentalexchange.com/ deltadentalins.com
(Platinum) Post-enrollment: 800-471-8073
MetLife 888-309-5526 metlife.com/aon-exchange metlife.com/mybenefits
UnitedHealthcare 888-571-5218 welcometouhc.com/aon3 myuhc.com
Vision
insurance
carrier Phone Pre-enrollment website Post-enrollment website
EyeMed 844-739-9837 eyemedexchange.com/aon eyemedvisioncare.com/
member/public/login.emvc
MetLife 888-309-5526 metlife.com/aon-exchange metlife.com/mybenefits
UnitedHealthcare 888-571-5218 welcometouhc.com/aon3 myuhcvision.com
Vision Service 877-478-7559 aon.vspexchange.com vsp.com/signon.html
Plan (VSP)
22OTHER BENEFIT PLANS
Insurance company or provider Plan type Phone Website
Alight Solutions - Your Health Savings Account, 844-487-5601 yourbenefitsresources.com/hgv
Spending Account (YSA) Flexible Spending Accounts,
Commuter Benefits
Cigna STD, LTD, Hospital Care 800-244-6224 cigna.com
Coverage, Salary Continuation
Plan
ComPsych Corporation Employee Assistance Program 844-236-4491 guidanceresources.com
TDD: 800-697-0353 Organization Web ID: HGVEAP
Securian Life and AD&D Insurance 866-881-3348 lifebenefits.com
T. Rowe Price Retirement Savings Plan 800-922-9945 rps.troweprice.com
VOLUNTARY PLANS
Insurance company or provider Plan type Phone Website
Aflac Accident Insurance 800-992-3522 aflac.com
Hyatt Legal Plans (a MetLife Legal Services 800-821-6400 legalplans.com (access code:
Company) GETLAW)
InfoArmor Identity Theft Protection 800-789-2720 MyPrivacyArmor.com
MetLife Auto, Home and Pet Insurance 800-GET-MET 8 metlife.com/mybenefits
(800-438-6388)
Additional benefits information
A Summary of Benefits and Coverage (SBC) provides medical plan information, such as plan limits
and costs for certain health services, in a consistent way across employers and plans.
Summary Plan Descriptions (SPDs) provide even more detailed descriptions of your benefits information.
These notices are available at yourbenefitsresources.com/hgv.
The Retirement Plan SPD is available at rps.troweprice.com.
You can also get a paper copy, free of charge, by contacting the HGV Benefits Center at 844-487-5601,
Monday through Friday, 9 a.m. – 7 p.m. ET, or by emailing HGVBenefits@hgv.com.
23You can also read
