BORGWARNER 2019 BENEFITS ENROLLMENT
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BorgWarner
2019 Benefits Enrollment
November 2018
Phone: 1-844-4BW-LINK
(1-844-429-5465)
Email: HRLink@borgwarner.com
Allie Robinson Laura Bowles Heather DeGraff
North Carolina & Director, Supervisor, Shared
South Carolina Shared Services Services & New York
Jackie Keegan Debby Tremble
Michigan, Mississippi Illinois, Indiana,
& Massachusetts & Texas
© BorgWarner Inc. 2
It’s Here! 2019 Open Enrollment
Nov. 12th – 30th
Elections/changes are effective Jan. 1, 2019 - Dec. 31, 2019
Nov.
unless 14 -a Dec.
you have 2 life event
qualifying
© BorgWarner Inc. 3
Annual Open Enrollment
Reminder
▪ Benefit changes can only be made:
▪ At the time of hire
▪ During the annual open enrollment period
▪ Within 30 days of a qualifying life event, such as a birth, marriage,
divorce, or change of insurance for one of your dependents
▪ Elections made during this annual open enrollment are
effective 1/1/2019 -12/31/2019
▪ All employees must make elections online through Workday
between 11/12/2018 – 11/30/2018
© BorgWarner Inc. 4
Dependent Coverage Rules
▪ Your legal spouse
▪ Marriage license required
➢ Working spouse rule
If your spouse is eligible for their own employer’s group plan
they MUST enroll to be eligible for BW coverage, the BW
plan will pay secondary coverage ONLY
▪ Your dependent children
▪ Biological or legally adopted child, legal guardianship, QMCSO, stepchild
▪ Documentation required and some restrictions apply, see your HR Link
Representative with questions
▪ Children are covered for most benefits until the end of the month of 26th birthday
▪ Children 26 and older are covered for most benefits
if they are legally deemed permanently and totally disabled
© BorgWarner Inc. 5
Spousal Surcharge Requirements
Reminder
Your spouse must have completed 2 activities to avoid
the $100 spousal surcharge for 2019
1. Completed the Cigna HRQ by Oct 31, 2018
If new to a BorgWarner medical plan in 2018, deadline is Feb 28, 2019
2. Completed at least 1 eligible preventive care visit by Oct 31, 2018:
Preventive annual physical (with your Primary Care Physician or OB/GYN)
Preventive colon cancer screening (age 50+)
Preventive mammogram (age 40+)
Spouses with BorgWarner secondary medical coverage should submit a qualifying
preventive visit/screening EOB directly to Cigna via secure fax: 855.205.5787.
Spouses with only BorgWarner medical coverage do not need to submit an EOB,
preventive medical visits will be reported automatically.
© BorgWarner Inc. 6
Premium Points for 2020 Earn at least 5 Points by
09/30/19
for the lowest cost
premium for 2020!
Earning Period Discount Period
Nov Oct
1st 2018 31st 2018
The following
Earning Period Jan 1
Points earned in thru
Oct Sept
overlap period Dec 31
1st 2018 30th 2019
will count
toward 2018 &
2019
© BorgWarner Inc. 7
Physical Social Financial Retirement
Wellness Wellness Wellness Savings Plan
Today’s meeting focuses on how you
can use the many benefits
available to you.
Videos & Program details are at
www.borgwarner.com/benefits
© BorgWarner Inc. 8
Your Wellbeing
Physical Social Financial
Recognizing the need for Developing a sense of Satisfaction and preparation
physical activity, diet, sleep connection and belonging, for current and future financial
and nutrition. Make choices while also balancing own situations. Taking steps to live
that support your physical physical, mental and within your means and
body, health and safety. emotional health. Creating a planning for future financial
support system that fosters health.
healthy behaviors.
© BorgWarner Inc. 9
2019 New Additions © BorgWarner Inc. 10
New for 2019
Paid Parental Leave
▪ Designed to support parents ▪ Up to 20 days (used in whole
by taking time needed to bond work week increments) within
with a child a birth, adoption, 12 months following event
or permanent guardianship ▪ Benefits (and deductions)
▪ Eligible after 6 months of continue during leave
employment ▪ Leave runs concurrent with
▪ Pay equal to Short medical and FMLA
Term/Salary Continuation ▪ See HR for FAQ or to discuss
benefit without a cap your personal situation
*The benefit event must occur on or after 01/01/19
© BorgWarner Inc. 11New for 2019
Paid Parental Leave: Common Leave Scenarios
Birth mother has baby and chooses to extend pay after STD expires and in FML 12 week window
BIRTH
Weeks 2 3 4 5 6 7 8 9 10 11 12 13
1
$ Short Term Disability Paid to Birth Mom $ Parental Leave to Birth Mom Parental Leave
To Work
Return
exhausted
FMLA – Mom’s Serious Health Condition FMLA – Newborn Care
Father wants to spend first weeks following birth bonding at home then stays home
unpaid for additional 8 weeks of FML job protected time.
BIRTH
Weeks1 2 3 4 5 6 7 8 9 10 11 12 13
$ Parental Leave Parental Leave Exhausted – No pay
Return To
Work
FMLA – Newborn Care
*Effective for benefit events 1/1/2019+
© BorgWarner Inc. 122019: Infertility Treatment
Improved Infertility Benefit Coverage
▪ Adding:
▪ IVF (In Vitro Fertilization)
▪ GIFT (Gamete Intrafallopian Transfer)
▪ ZIFT (Zygote Intrafallopian Transfer)
▪ AI (Artificial Insemination)
▪ $5,000 lifetime maximum
▪ Note:
▪ The treatments listed above, and injectable infertility treatments will all
accumulate toward the lifetime maximum benefit
▪ Oral fertility medications are also included under the prescription drug
coverage with no lifetime maximum
© BorgWarner Inc. 13New for 2019
Adoption Assistance
▪ Partial reimbursement toward ▪ Up to $5,000 per finalized
costs of assuming parental adoption, lifetime $10,000
responsibility for a child.
▪ Submission deadline 90 days
▪ Employed at least 6 months prior after date of adoption
to the time adoption finalized
▪ Expenses consistent with federal
income tax guidelines qualify
*The benefit event must occur on or after 01/01/19
© BorgWarner Inc. 14New for 2019
Enhanced Bereavement Benefits
▪ Time off following the death of Spouse
a close relative or family Immediate Children (Step or Foster)
member Family:
Up to
▪ Paid days are at 100% of 14 Days
base salary and may be taken Parents
consecutively or intermittently Extended In-Laws (Mother/Father), Brother/Sister
within 12 months following the Family: In-Laws(Brother/Sister/Daughter
Up to /Son)
death 4 Days Grandparent
Grandchild
*Effective date is on or after 01/01/19 (including Step)
© BorgWarner Inc. 15New for 2019
Voluntary Benefit: Legal Services
Examples of Services
➢ Administered by MetLife (Hyatt Legal) Divorce Paperwork, proceedings,
➢ More than 15,000 network attorneys etc.
Consumer Protection Personal protection, small
➢ Unconditional money back guarantee claims court, etc.
➢ Most services covered have an
Civil Damage Defense Libel/slander, pet-related
issues, etc.
unlimited amount of hours
Criminal Misdemeanor offense,
➢ Paid for by employee Juvenile Court,
➢ Plan extends to employees outside of Documentation Eldercare Matters
country but they must be on a U.S. payroll Family Matters Adoption, domestic
▪ These employees will receive their physical violence protection, child
communications at their work address. support enforcement, elder
law, etc.
Real Estate Landlord, foreclosure, or
Rate:
title disputes
• $17.25/ month
Traffic Violations, DUI
Wills, Trusts and Probate, estate
Estate Planning administration and closing
© BorgWarner Inc. 16New for 2019
Voluntary Benefit: Identity Theft
➢ Administered by InfoArmor
▪ Leader in the ID theft marketplace Examples of Services
➢ Pre-existing identity theft coverage Junk Mail Removal & Do Not Call
at no additional cost Social Media Monitoring
➢ Cases are managed and remediated
by ID theft specialists Public Record Monitoring
➢ Coverage includes $1 million
insurance policy to help recover the
cost of any losses Address Change Monitoring
➢ Paid for by employee Medical Records Monitoring
➢ Plan extends to employees outside of the Financial Account Monitoring
country if an employee has U.S.-based
accounts and a social security number Lost Wallet Support
Secure Document Storage
Rates:
• $9.95/ month for individual coverage
• $17.95/ month for family coverage
© BorgWarner Inc. 17New for 2019
Omada Diabetes Prevention Program
▪ Participants enrolled in a BorgWarner medical plan that are at risk for
developing diabetes are eligible to enroll at NO COST
▪ Sign up at omadahealth.com/borgwarner and take a one-minute health test
▪ If you meet Omada’s risk criteria for the program, you are immediately notified and can
enroll on the spot
▪ Enrollment begins January 1, 2019
▪ 16 week program shown to help individuals lose weight, which reduces
risk factors for developing type 2 diabetes and other chronic diseases
▪ Free services and supplies include:
➢ Scale that links to your phone
➢ Access to coaches and groups for support
➢ Access to educational sessions to gain skills to
replace current habits with healthy ones
*Separate from the Livongo program
© BorgWarner Inc. 18Joe Thompson, 33
• Married
• Child on the way
Physical Social Financial
Contacts Cigna Calls Cigna EAP Enrolls in Hyatt
for helping to find a daycare Legal for estate
• Expecting first finding a provider planning
child pediatrician
Applies for Paid Calls Vanguard
• What should he
During OE, Parental Leave for RSP advice
update for baby?
• Wants advice for increases his
healthcare FSA Enrolls family in Changes
savings and more beneficiary of
InfoArmor - ID
life insurance optional life
Contacts HR Link theft is high for
How can once baby is new babies insurance
BorgWarner born to add to
help? insurance Adds optional
AD&D insurance
© BorgWarner Inc. 19Phil Williams, 43
• Single
• No children
Physical Social Financial
Enrolls in Omada Participates in Uses DirectPath
– gets scale & the Fitness to get reward for
• High blood sugar coaching to Reimbursement lower cost MRI
• Needs an MRI improve plan
• Wants to be more nutrition Puts $1,000 into
physically active Uses time off FSA for next year
• Wants to save Uses Vision Plan under
money on health to get an eye Bereavement
exam benefit to handle
expenses
probate court for
How can deceased
BorgWarner father’s estate
help?
© BorgWarner Inc. 202019 Changes to Current Benefits © BorgWarner Inc. 21
Changes to Current Benefits for 2019
Healthy Rewards
▪ Great engagement (THANK YOU!), but minimal improvement
▪ Awards being reduced from $100 to $50
▪ Allows BorgWarner to enhance and add other plans
▪ Omada
▪ Livongo
2019 Wellness Incentive Opportunities (earning period: Jan. 1, 2019 - Dec. 31, 2019)
Activity Cash Reward
(per person)
Wellness Incentives Paid in Taxable Cash (paid quarterly through payroll)
Participate in a telephonic Cigna Disease Management Program $50
Complete the telephonic Weight Management Program $50
Complete the telephonic Stress Management Program $50
Complete the telephonic Tobacco Cessation Program $50
Achieve a Health Goal (telephonic coaching for nutrition planning, hypertension and lower blood
$50
sugar)
© BorgWarner Inc. 222019: Out-of-Network Change 98% of
Claims
Reduced Out-of-Network (OON) Coverage are for
▪ BorgWarner Coinsurance has been lowered to 50% In-Network
Providers
▪ Deductibles will no longer cross-accumulate
▪ Additional exclusions
Infertility Dialysis
Services
Chiropractic
Telehealth Services
*These services will still
be covered in-network
Preventive Independent
Visits X-rays/Labs
*All other out-of-network
coverage will remain
the same Outpatient MRI, PET,
Hospice CAT
© BorgWarner Inc. 232019: ER Surcharge
Emergency Room (ER) Surcharge
▪ A $100 surcharge will apply to all ER visits
▪ In addition to standard coinsurance and deductible
▪ Accumulates toward the out-of-pocket maximum
▪ Avoid using ER where telehealth or an urgent care facility are more
appropriate
▪ BW claim examples of ER visits that could have been seen at an
Urgent Care or via Telemedicine:
▪ Pinkeye Consider using
▪ Cold Urgent Care
▪ Headache or Telemedicine
▪ Ear Wax for non-emergency
visits to avoid the
ER Surcharge
© BorgWarner Inc. 242019: RX Changes
Prescription Drug Copays
Retail Pharmacy Mail Order Specialty
(30-day supply) (90-day Supply) (30-day supply ONLY)
Generic $10 $20 $10
30% 30% 30%
Brand
($30 minimum/ ($60 minimum/ ($30 minimum/
Formulary
$60 maximum) $120 maximum) $60 maximum)
50% 50% 50%
Brand
($50 minimum/ ($100 minimum/ ($50 minimum/
Non-Formulary
$150 maximum) $300 maximum) $150 maximum)
© BorgWarner Inc. 252019 Rate Updates
Medical and vision employee contribution rates are changing
Basic Plan Your Monthly Contribution
Points Earned by
Premium % Employee Employee + 1 Family
Oct. 31, 2018
0 20% $79.50 $159.00 $262.00
1-2 15% $59.50 $119.25 $196.50
3-4 10% $40.00 $79.50 $131.00
5+ 0% $- $- $-
Buy-Up Plan Your Monthly Contribution
Points Earned by
Premium % Employee Employee + 1 Family
Oct. 31, 2018
0 25% $201.25 $402.50 $603.75
1-2 20% $161.00 $322.00 $483.00 No changes to
3-4 15% $120.75 $241.50 $362.25
dental rates for
5+ 10% $80.50 $161.00 $241.50
2019
Vision
Monthly Coverage
Vision Employee $3.75
Levels/ Contribution Levels Employee + 1 $8.15
Family $10.10
© BorgWarner Inc. 26Samantha Smith, 27
• Single
• No children
Physical Social Financial
Participates in Enrolls in Uses Vanguard
annual biometrics InfoArmor for ID online savings
• Hypertension in screening theft and credit tools for 401k
family monitoring savings advice
• Chronic asthma Signs up for
• Concerned about TeleHealth in case Enrolls in Hyatt Enrolls in LTD70
ID theft with her she needs after- Legal Plan for for income
credit cards/loans hour care in future real estate protection
• Buying 1st home assistance
Enrolls in Asthma
Disease Mgmt.
How can
program, earns
BorgWarner $50 & improves
help? frequency
© BorgWarner Inc. 27David Johnson, 59
• Married
• Children are grown
Physical Social Financial
• Cancer scare Gets Calls the Cigna Elects Critical
• Wife is diabetic colonoscopy EAP to get Illness Insurance
resources for
• Takes 3 brand
Wife enrolls in seniors Enrolls in LTD70
medications
Livongo buy-up plan
• Stressed over Enrolls in Stress
elderly mother Coaching
Calls Cigna Downloads SOS
• Travels often for earning $50 ID card for
about RX options
business business traveler
Attends Lunch & from
How can Learn on borgwarner.com/
BorgWarner Mindfulness benefits
help?
© BorgWarner Inc. 28Actions to Take Soon © BorgWarner Inc. 29
Use MYCIGNA.com
Download the Cigna One Guide mobile app
▪ Build your custom health team with My Health List
▪ Learn more about how your coverage works
▪ Make decisions with confidence, using easy search tools and
educational materials tailored to your plan
▪ Get connected wellness resources and
learn about available incentive programs
▪ New! Complete the HRQ using the
mobile app
© BorgWarner Inc. 30Register for Telehealth
Amwell MDLIVE
Online: AmwellforCigna.Com MDLIVEforCigna.com
Phone: 855-667-9722 888-726-3171
▪ Low-cost, high-quality care at your convenience
▪ National network of licensed, board-
certified U.S.-based doctors, including
pediatricians
▪ Available any time of the day or night via
phone or video streaming
(i.e. Skype or Facetime)
▪ Intended for minor, non-life-threatening
medical conditions
▪ Pre-register ahead of time!
© BorgWarner Inc. 31Retirement Savings Plan
▪ Reminder: designate a beneficiary for your retirement savings plan
▪ Vanguard’s default is the estate if no one is named in your plan
▪ Funds can be held up in court if there is no beneficiary designated
▪ To name a beneficiary, login to your account at
https://retirementplans.vanguard.com
▪ Click on the menu button in the top left corner and hit the “+” on “My Profile”
▪ Select “Beneficiaries from the drop-down box
© BorgWarner Inc. 32Enrolling Online
Every employee must make
their enrollment elections by
November 30, 2018
Open Enrollment:
11/12/18 to 11/30/18
Contact HR Link for
questions about
dependent eligibility
1-844-292-5465
hrlink@borgwarner.com
© BorgWarner Inc. 33Supporting You
For more resources, be sure to check out the
newly enhanced benefits website at
www.borgwarner.com/benefits!
www.borgwarner.com/benefits hrlink@borgwarner.com
© BorgWarner Inc. 34© BorgWarner Inc. 35
Thank you! © BorgWarner Inc. 36
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