Guide to Benefits Open Enrollment - October 17 - November 4, 2022 Your chance to enroll or make changes for benefits effective January 1, 2023
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Guide to Benefits Open Enrollment October 17 – November 4, 2022 Your chance to enroll or make changes for benefits effective January 1, 2023
Get ready to enroll
From comprehensive health and dental insurance to personal assistant services and pet insurance,
Boston Scientific offers a wide range of benefits that fit your life. Open Enrollment is your opportunity
to review all your benefit options and ensure you enroll in the plans that best meet your and your
family’s needs.
This year, Open Enrollment is from October 17 through November 4, 2022. A few changes to your
overall benefits are going into effect in 2023. We continue to add services that we know our
employees want and need. For example, we are enhancing our telehealth mental and behavioral
health coverage. With rising health care costs, all medical plan participants will experience per-
paycheck and other out-of-pocket increases.
This guide is designed to help you understand what’s changing for 2023 and how to successfully enroll
in the benefits that can help you stay healthy and thrive, wherever you are in life.
2023 medical plan per-paycheck rates
Depending on your medical plan participation in 2023, you can expect the following changes to your
per-paycheck premium payments, compared to 2022. For dental and vision, your plan premiums will
generally remain the same or be lower next year.
Your medical plan options remain:
• UMR Consumer High-Deductible Health Plan (HDHP) with Health Savings Account (HSA)
• UMR Base Plan—Preferred Provider Organization (PPO)
• Kaiser Permanente Core Plan—Health Maintenance Organization (HMO)
Medical plan premiums for employees earning $75,000 annually, please review BenefitsConnect for full details
**You must live in the service area to be eligible to enroll in this plan
2 ***Enrollment in any of the domestic partner coverage options requires an enrollment election in employee coverage as well
Other plan changes you
should know about
UMR plan participants will experience the
following changes to copays, deductibles and/or
out-of-pocket maximums. For a glossary of
common health care terms, go to p. 8.
UMR Consumer HDHP with HSA
• Deductibles will increase to $1,650 for
employee-only coverage (up from $1,500) and
$3,300 for employee plus other family
member(s) coverage (up from $3,000).
• The out-of-pocket maximum will increase to
$3,500 for employee-only coverage (up from
$3,000) and $7,000 for employee plus other
family member(s) coverage (up from $6,000).
In 2023, you will continue to receive the Boston
Scientific HSA contribution of $500 for employee-
only coverage and $1,000 for employee plus any
other family member(s) coverage.
UMR Base Plan (PPO)
• Deductibles will increase to $600 for
employee-only coverage (up from $500) and
$1,200 for employee plus other family
member(s) coverage (up from $1,000).
• The emergency room copay will increase to
$200 (up from $100).
Questions about your
UMR coverage?
Call MyQHealth at
1-855-649-3857 (Monday
through Friday from 8:30 a.m.
to 10:00 p.m. Eastern time) if
you have questions about or
need assistance with your UMR
medical plan options and
coverage. It is recommended
that you call MyQHealth and
reference your Plan summaries
to confirm your insurance
coverage before receiving care.
3
Remember these other great benefits
Voluntary benefits that can • Employee Assistance Program (EAP)
save you money – Five one-on-one counseling sessions per
issue per year are available to all household
Voluntary benefits offer group rate discounts
family members.
for many everyday products or services you
may need or are already paying for—and are – Work-life solutions include help finding
available through convenient, automatic child care and elder care, home repair
payroll deductions. Learn more about the contractors and relocation services; also
following options and how they may help save provides legal and financial resources and
you and your family money. on-demand self-help.
• Auto, home, renter’s and pet insurance— Available to you at a reduced cost:
Simply submit information to quickly receive • Subsidized backup child care and elder
a quote and compare rates. care through Care.com helps you manage
• Legal plan—Discounted legal support can unexpected gaps in existing care plans.
help with matters related to finances, real • Telemedicine appointments through
estate, estate planning, civil lawsuits, elder Teladoc (UMR members) offer more
care issues and will preparation. affordable and convenient care for non-
• Identity Theft Protection—Keep your private emergency situations compared to the
information safe from fraud with monitoring emergency room.
and more. – Available 24/7 for non-emergency general
• Accident Insurance and Critical Illness medicine, mental health care and
Insurance—Protect yourself and your family dermatology care needs.
from the financial impact of an unexpected – In 2023, UMR members will continue to pay
injury or serious illness. the following for behavioral health visits
through Teladoc or an in-network provider
Valuable no-cost or reduced- on any telehealth platform:
cost benefits
- UMR Base PPO members—no copay,
Also be sure to check out the following deductible or coinsurance
programs and resources designed to support
- UMR Consumer HDHP members—no cost
you and your family physically, financially and
after meeting the annual deductible
emotionally.
Please call MyQHealth with any questions
Available to you at no cost:
about this coverage.
• Family-building resources through Maven
provide on-demand services, whether you’re
considering expanding your family, need
early pediatrics for your new baby or
anything in between.
• Tutoring services are available (for students
of all ages) through Tutor.com.
• Tobacco cessation program through Pivot
can help you kick the tobacco habit (which is
healthy for you and your wallet!).
4Steps for enrolling NEW REQUIREMENT
FOR ENROLLMENT!
October 17 – Adding new
November 4, 2022 dependents
IMPORTANT: If you are adding
one or more new dependents
to your health care coverage
Step 1: Prepare (medical/dental/vision) for
2023, you’ll be required to provide
documentation verifying their
Before you enroll, go to benefits eligibility. Please note:
BenefitsConnect.* There is no
login required, so you can access • You are required to upload
the website wherever internet valid documentation by
service is available. December 5, 2022.**
• Review Plan summaries, FAQs, bi-weekly rates, • The YourBenefits enrollment
vendor contacts and other important Open portal will display a list of
Enrollment materials. acceptable documents.
• Understand the differences between the UMR • If you have any questions or
Consumer HDHP and UMR Base PPO plans. need help uploading the
Your responsibility for the cost of care before required documentation,
coinsurance is different between the two plans. please call the Boston
• Decide who you want to cover under your health Scientific HR Service Center at
care benefits. 1-800-570-4455.
• Review the OptumRx prescription formulary list • Health insurance coverage for
to confirm coverage for your prescriptions. dependents will not be active
until the documentation you
• View recorded webinars of benefit overviews
provide is approved.
(also available in Spanish).
**You have several methods for submitting documentation.
*https://secure.bscbenefitsconnect.com/us/2023Benefits.html
Check it out!
¡Dele un vistazo!
Spanish language
benefits materials
are available on
BenefitsConnect.
5Don’t forget
to designate a Step 2: Choose how
beneficiary! you want to enroll
Open Enrollment is a good
time to review—and update, There are two ways to sign up for your 2023
benefits during Open Enrollment:
if necessary—beneficiary(ies)
for your Basic Life Insurance 1) Visit the YourBenefits enrollment portal at
and Accidental Death and https://bfprod.bsci.com and enter your BSC
Dismemberment (AD&D) network ID and password. If you don’t know
Insurance. your login credentials, call IT at 1-844-894-
9124. You will need your BSC Employee ID
when you call.
2) Call the Boston Scientific HR Service Center
at 1-800-570-4455, Monday through Friday
from 9 a.m. to 5 p.m. You will need your BSC
Employee ID when you call.
Step 3: Sign up for
your 2023 benefits
• Carefully review all your benefit options, even if
you like your current coverage. It’s the only way
to ensure you don’t miss out on anything!
• Use the available decision-support tools as you
enroll to avoid paying for more coverage than
you need next year.
• Review the information presented as you enroll
to ensure you understand key benefit details.
Also review your selections to confirm you have
What if you don’t take the right benefits for you and your family in
any action during 2023. Be sure to submit your choices to complete
the enrollment process.
Open Enrollment?
• Print the Benefit Summary Report showing your
If you do not take any action, 2023 benefits and keep it for your records. After
your current benefits selections enrollment closes, a confirmation statement will
will carry over to 2023, except also be mailed to your home.
for any Flexible Spending
Accounts (FSAs) and Health
Savings Account (HSA)
contributions, which you must
sign up for each year.
6Important resources
Remember to visit the BenefitsConnect website anytime during the year to review benefits
information and share it with your family members.
You also have direct access to the following vendors of Boston Scientific’s benefits programs—both
online and by phone. If you need assistance with anything that’s not listed below, visit
BenefitsConnect*, select Quick Links in the upper right and then Vendor Contacts.
*https://secure.bscbenefitsconnect.com/us/index.html
Key vendor contacts
Vendor Telephone Website/Email
HR Service Center—For enrollment assistance 1-800-570-4455 hrconnectusbenefits@bsci.com
Monday – Friday,
9 a.m. – 5 p.m.
MyQHealth (UMR members)—Medical plan 1-855-649-3857 www.bscmyqhealth.com
questions, claims support, in-network doctor Monday – Friday,
search and other health coverage questions 8:30 a.m. – 10:00 p.m. ET
Teladoc—Telemedicine for UMR members 1- 800-835-2362 www.teladoc.com
Single sign-on to your account
through MyQHealth
OptumRx—Prescription drug benefit for UMR 1-844-368-8737 Create your Member Account at
members www.optumrx.com
Single sign-on to your account
through MyQHealth
GuidanceResources—Employee Assistance 1-866-812-5303 www.guidanceresources.com
Program (EAP) Company ID: EB3414X
Delta Dental—Dental benefits 1-800-872-0500 www.deltadentalma.com
EyeMed—Vision benefits 1-866-723-0514 www.eyemedvisioncare.com
Chard Snyder—Flexible Spending 1-800-982-7715 www.chard-snyder.com/bsc.html
Accounts (FSAs)
General questions and
FSA claim submissions:
askpenny@chard-snyder.com
HealthEquity—Health Savings Account (HSA) 1-877-694-3938 www.healthequity.com
Sedgwick—Leave of Absence (LOA) 1-855-811-5701 www.mySedgwick.com/BSCI
Maven—Family-building resources N/A http://mavenclinic.com/join/bsci1
7Key health care terms
To help you better understand your health insurance, here’s a list of the commonly used health care
terms and definitions. For health plan coverage questions, contact MyQHealth.
Annual Deductible—The Dependent—For medical/ Out-of-Pocket Maximum—
amount you’re required to dental/vision purposes, this The most you’ll have to pay
pay annually before your includes: your legal spouse, for covered services in a
health plan also begins to same or opposite-sex plan year. After you spend
pay for the cost of your care domestic partner, your this amount on deductibles,
or certain covered services. children under age 26, your copays and coinsurance,
Deductibles do not apply to domestic partner’s children your plan will pay 100% of
preventive care services. under age 26, your the costs of covered
unmarried children over age services for the rest of the
Beneficiary—The person/ 25 (who were insured under year. There are separate
party you designate to the applicable Plan on or in-network and out-of-
receive your Basic Life and before the age of 25 and network out-of-pocket
AD&D and (if selected) cannot support themselves maximums. Always try to
Voluntary Life and AD&D due to a physical/mental obtain care from an in-
proceeds in the event of disability and who meet network provider and at an
your death. individual Plan in-network facility. The
Coinsurance—The requirements for continued out-of-pocket maximum
percentage of the cost of a coverage) and any other doesn’t include your
covered health care service children who qualify as your monthly premium payments
or prescription drug that dependents under the U.S. or what you pay for services
you’ll pay after meeting federal tax code. your plan doesn’t cover.
your deductible. Formulary—A list of Preventive Care—Routine,
Copay—The set dollar prescribed medications or preventive health care as
amount you’ll pay for a other pharmacy care defined by the Affordable
covered health care service products, services or Care Act (ACA), which
at the time you get care or supplies covered by the include annual exams and
when you pick up a plan. Medications are listed immunizations. Please note
prescription drug. by categories or classes and some services may not be
are placed into cost levels considered preventive when
known as tiers. It includes they are used to diagnose
both brand and generic or treat an illness or injury.
prescription medications.You can also read
