Find Your Forward 2022 Annual Enrollment starts Monday, October 18, and ends Friday, November 5, 2021
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2022 Benefits Highlights Brochure Find Your Forward 2022 Annual Enrollment starts Monday, October 18, and ends Friday, November 5, 2021
Welcome to 2022
Annual Enrollment!
A lot has changed in the world and likely in your daily life. While many of the uncertainties
of the last two years may continue, you now have the opportunity to step back and
review, and begin to move forward.
During this Annual Enrollment, take some time to consider where you are—mentally,
physically, emotionally—and how that affects your benefits.
With minimal change to your benefits in 2022, you can focus your energy on making sure
your coverage still fits your and your family’s needs. As you review your 2022 coverage
elections, be sure to consider any life events and family situations that might affect your
benefits decisions.
Visit your-ebenefits.com/arvato today for the benefits information you need
to get started, including coverage details, costs, enrollment information, and
decision-making resources.
2
2022 Annual Enrollment
Annual Enrollment is your once-a-year opportunity to review and change your benefits
elections for the coming year. Any changes you make are effective January 1, 2022, and
remain in effect for the entire year, unless you have a qualified life event.
If you do not actively enroll or make changes to your coverage during Annual Enrollment,
your 2021 benefits elections will roll over to 2022 at the same coverage level, with
one exception. If you contribute to a Flexible Spending Account (FSA), your 2021 elections
will NOT carry over to 2022. You must re-enroll in FSAs each year.
What’s Changing for 2022
Per-Paycheck Deductions
• To continue to support you during this unprecedented time,
Arvato will cover the increased cost of your medical plan
premiums. Although the medical plan costs have increased
by 3.7% for Anthem plans and 8% for the Kaiser plan, your
medical per-paycheck deductions will stay the same for 2022.
See your-ebenefits.com/arvato for specific per-paycheck
deduction information.
• Voluntary benefit per-paycheck deductions will decrease:
accident (20% decrease), hospital indemnity (10%
decrease), and critical illness (5% decrease). See
your-ebenefits.com/arvato for specific per-paycheck
deduction information.
• There is no change to what you pay for your dental,
vision, or other benefits in 2022 unless changes to your
annual salary or age affect your per-paycheck deduction,
where applicable.
Health Savings Account
2022 IRS HSA contribution maximums will increase:
• Individual: $3,650 ($50 increase from 2021) Dependent Verification
• Family: $7,300 ($100 increase from 2021) Before you enroll your dependents, make sure
• If you will be age 55 or older by December 31, 2022, you can they are eligible. Consova, an independent third
make an additional $1,000 catch-up contribution to your HSA. party, will review your dependents to ensure that
they meet the plan’s eligibility requirements. You
will receive a packet with detailed instructions,
a list of required documents, and how to submit
them for eligibility verification.
3MetLife Voluntary Benefits MetLife Legal Plan
In addition to rate reductions of up to 20%, there are Legal assistance will cover an additional four hours of
enhancements to the voluntary benefits available to you otherwise non-covered services. Enhancements will also
through MetLife: include assistance with identity management, guardianship,
home equity, home refinance, and home purchase loans.
• Accident Insurance: Pays you a benefit directly for covered
events, which now include paralysis and accidents that
occur during an organized sports event. Additional therapies
will be covered, including acupuncture and chiropractic care.
Benefits will no longer be reduced based on age.
• Critical Illness Insurance: Pays you a benefit directly to 2022 Plan Design Changes
help with unexpected costs if you are diagnosed with a
There are no changes to your other 2022
covered condition, which now includes COVID-19, skin
benefits, including medical, dental, vision,
cancer, cardiac arrest and Parkinson’s. The time to claim
a reoccurring illness has been reduced to 90 days. disability, life and AD&D insurance.
• Hospital Indemnity Insurance: Pays you a lump-sum To learn more about these benefits,
payment for a covered hospital admission and a per- visit your-ebenefits.com/arvato.
day amount for your hospital stay. ICU admission and
confinement will have increased payments. In addition,
there will be coverage for newborn nursery care, and
treatment for mental illness, alcoholism, and/or drug
addiction in a hospital or inpatient rehab without prior
hospitalization. Benefits will no longer be reduced
based on age.
For more information, contact MetLife at 1-800-438-6388.
4What You Need to Know for 2022
Medical
Here’s an overview of how much you will pay under each medical plan option in 2022.
Anthem BCBS CDHP with HSA Anthem BCBS EPO Kaiser HMO*
In-Network Out-of-Network In-Network ONLY In-Network ONLY
Annual Deductible
Employee $1,500 $3,000 $250 None
Employee + 1 dependent $3,000 $6,000 $500 None
Employee + 2 or more dependents $3,000 $6,000 $750 None
Out-of-Pocket Maximum
Employee $2,200 $4,400 $1,100 $1,500
Employee + 1 dependent $4,400 $8,800 $2,200 $3,000
Employee + 2 or more dependents $4,400 $8,800 $3,300 $3,000
Covered Expenses
Preventive care Plan pays 100% 40% after deductible Plan pays 100% Plan pays 100%
Primary care physician †
20% after deductible 40% after deductible 20%, deductible $25 co-pay
waived
Specialist 20% after deductible 40% after deductible 20%, deductible $25 co-pay
waived
Hospital stay‡ 20% after deductible 40% after deductible 20% after deductible $500 co-pay
Emergency room‡ 20% after deductible 20% after deductible $200 co-pay $150 co-pay
Urgent care ‡
20% after deductible 40% after deductible $40 co-pay $25 co-pay
LiveHealth Online 20% after deductible§ N/A $10 co-pay N/A
Infertility treatments Covered at appropriate in- or out-of-network 20% after deductible, Limited benefits
(includes cryopreservation) levels, $25,000 lifetime maximum in- or out-of- $25,000 lifetime
network combinedII maximumII
Gender confirmation surgery 20% after deductible Not covered 20% after deductible Limited benefits
Annual chiropractic care 20% after deductible 40% after deductible 20% after deductible, $15 co-pay, maximum
maximum of 30 visits of 40 visits per year
Combined maximum of 30 visits per year per year
* Available only in California
† PCP includes outpatient mental health care, convenience care clinics, and non-preventive lab tests.
‡ Co-pays and deductibles are included in the out-of-pocket maximum.
§ Most LiveHealth Online medical visits cost $59 prior to meeting your deductible.
II In addition to the $25,000 lifetime medical maximum on infertility treatments (includes voluntary cryopreservation),
there is a separate $25,000 lifetime maximum on prescription drugs for infertility treatment.
Looking to save money in 2022? Check out the CDHP!
The CDHP has lower per-paycheck deductions than the other plans and offers access to a tax-advantaged
HSA that you can use to pay for eligible health care expenses or invest and use later, such as during
retirement. You control the money in your HSA, and it’s always yours to keep!
Learn more about the benefits of the CDHP at your-ebenefits.com/arvato.
5Prescription Drugs
If you’re enrolled in an Anthem BCBS medical plan, your prescription drug coverage is provided by Express Scripts. If you’re
enrolled in the Kaiser HMO, your prescription drug coverage is through Kaiser. Here’s an overview of how much you will pay
under each plan.
Anthem BCBS CDHP Anthem BCBS EPO Kaiser HMO
Retail (30-day supply)
Generic 20% after deductible* 30% ($10 min./$30 max.) $10 co-pay
Brand name 20% after deductible* 30% ($30 min./$90 max.) $30 co-pay
Specialty 20% after deductible* 30% ($60 min./$180 max.) $30 co-pay
Mail Order (90-day supply) †
Generic 20% after deductible* 25% ($20 min./$60 max.) $20 co-pay
Brand name 20% after deductible* 25% ($60 min./$180 max.) $60 co-pay
Specialty 20% after deductible* 25% ($120 min./$360 max.) $60 co-pay
Out-of-Pocket Maximum
Employee Combined with medical $1,800 Combined with medical
Employee + 1 dependent Combined with medical $3,600 Combined with medical
Employee + 2 or more dependents Combined with medical $5,400 Combined with medical
* The deductible is waived for preventive drugs. For all other prescription drugs, you must meet your combined medical and prescription drug deductible before the
plan pays a percentage of your prescription drug cost.
† A 100-day supply is available for the Kaiser HMO.
Dental
Here’s an overview of how much you will pay under each dental plan.
Delta Dental Standard DPPO Delta Dental High DPPO Delta Dental DHMO*
In-Network Out-of-Network In-Network Out-of-Network In-Network ONLY
Annual deductible (per person, combined $100 $100 $50 $50 None
in- and out-of-network)
Annual maximum benefit $1,500 $1,500 $3,000 $3,000 None
(per person, combined in- and
out-of-network)
Preventive & diagnostic services† Covered 100% 20% Covered 100% 15% Covered 100% after
Exams, cleanings, X-rays, sealants applicable co-pay
Basic restorative services 20% after 20% after 15% after 40% after Covered 100% after
Fillings, posterior composites deductible deductible deductible deductible applicable co-pay
Major restorative services 40% after 40% after 15% after 40% after Covered 100% after
Crowns, inlays, onlays, cast restorations deductible deductible deductible deductible applicable co-pay
Implants 50% after 50% after 50% after 50% after N/A
deductible deductible deductible deductible
Orthodontia (adults and dependent 50% after 50% after 40% after 40% after Covered 100% after
children) deductible deductible deductible deductible applicable co-pay
Orthodontia lifetime maximum (per $2,000 $2,000 $2,000 $2,000 N/A
person, combined in- and out-of-network)
* For a list of co-pays, refer to the Delta Dental Care Patient Charge Schedule, available at your-ebenefits.com/arvato.
† Not subject to the deductible and will not apply toward the annual maximum benefit limit.
Vision
Here’s an overview of how much you will pay under each vision plan.
UnitedHealthcare Standard Vision UnitedHealthcare High Vision
In-Network Out-of-Network † In-Network Out-of-Network‡
Vision exam (once every calendar year) Covered 100% Up to a $40 reimbursement Covered 100% Up to an $80 reimbursement
Single-vision lenses Covered 100% Up to a $40 reimbursement Covered 100% Up to a $65 reimbursement
Bifocal lenses Covered 100% Up to a $60 reimbursement Covered 100% Up to a $70 reimbursement
Trifocal lenses Covered 100% Up to an $80 reimbursement Covered 100% Up to an $80 reimbursement
Frames* (once every calendar year) $130 allowance Up to a $45 reimbursement $130 allowance Up to a $70 reimbursement
Contact lenses (once every calendar year $200 allowance; Up to a $200 $200 allowance; Up to a $200
in lieu of glasses) includes fitting reimbursement; includes includes fitting reimbursement; includes
exam allowance fitting exam allowance exam allowance fitting exam allowance
* If you choose a non-selection frame, you’ll be responsible for anything over a $50 allowance.
† Includes coverage for standard scratch-resistant coating.
‡ Includes coverage for standard scratch-resistant coating, edge and UV coatings, tints, photochromatic and Transitions® lenses.
6Mental Health Support
The Employee Assistance Program (EAP), offered by Empathia LifeMatters, can help you, your dependents, and anyone living
in your household with a range of personal and work issues, including emotional support, stress management, and more. EAP
services are free, completely confidential, and available 24/7. Coverage includes up to six sessions with a counselor per person,
per issue—in person, over video, or by text.
To begin, visit mylifematters.com (code: BERT1), download the LifeMatters app (code: BERT1), or call LifeMatters at
1-800-634-6433. If you are located in the U.S., you can also text “hello” to 61295. (If you are located in Canada, text “hello”
to 204-817-1149.)
Virtual Care—Help from the Comfort of Home
LiveHealth Online. When you enroll in an Anthem BCBS plan, you have access to LiveHealth Online. LiveHealth Online offers
24/7 access to U.S.-based, board-certified doctors on your smartphone, tablet, or computer. Use LiveHealth Online when you
have a minor, non-emergency medical issue that otherwise might require a visit to your regular doctor, an urgent care center,
or an emergency room—things like ear infections, sore throats, and minor injuries. Your cost depends on your medical plan:
• Anthem BCBS CDHP: $59, until you meet the deductible; 20% after you meet the deductible
• Anthem BCBS EPO: $10
To begin, create an account at livehealthonline.com or download the LiveHealth Online app.
Provider telehealth services. If your provider offers telehealth services by phone or video, your telehealth visit will cost the
same as an in-person visit. See page 5 for medical coverage details.
What You Should Do Next
It’s simple! Just follow these steps:
1 Learn. Review 2022 changes in this Highlights Brochure,
along with additional information at your-ebenefits.com/arvato.
2 Think. Consider whether your current elections will still meet your needs
in 2022. Even if you want to keep the same coverage, it is important to
review your options, the associated costs, and think about any upcoming
life events, like the birth of a child, that may influence your decisions.
3 Compare. Use the Medical Plan Cost Estimator Tool to compare your
medical plan options: bertelsmannmpce.com/arvato. Enter your
and your dependents’ expected medical and prescription drug usage
to view the estimated costs under each medical plan. Then, visit
your-ebenefits.com/arvato to access the cost calculator, which will allow
you to calculate your total per-paycheck deductions in 2022, based on the
plans you elect.
4 Enroll. Log on to the enrollment system, UKG:
e12.ultipro.com/login.aspx. For enrollment
instructions, including information on your user ID and
password, visit your-ebenefits.com/arvato.
7Questions?
If you have a benefits-related question or need assistance during Annual Enrollment,
please contact your local Human Resources Representative.
For specific questions, see the list of benefits administrators and insurers
at your-ebenefits.com/arvato.
This brochure provides highlights of the Benefits Program. It does not describe many of the features, provisions, limitations,
and exclusions that are contained in the documents and contracts of which the actual plans are comprised. Although the
Company has made every effort to ensure that this brochure is consistent with the plan documents and contracts, if there
is any conflict or inconsistency between this brochure and those documents or contracts, the documents and contracts
will govern. In addition, while the Company intends to continue these benefits, the Company reserves the right to change
or discontinue these benefits at any time for any reason. Participation in the Benefits Program does not create or imply an
employment contract with the Company. This brochure outlining benefits features for 2022 is considered a Summary of
Material Modifications (SMM).
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