Take the Wheel Benefits for the Road Ahead - BorgWarner
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2019 BENEFITS REFERENCE GUIDE PHYSICAL WELLNESS Take the Wheel Benefits for the Road Ahead
Have questions? We have answers.
QUESTIONS ABOUT: CALL: VISIT:
Medical and Dental BorgWarner One Guide Team: www.myCigna.com
Election Guidance 1-800-237-2904
General Benefit and HR Link: 1-844-429-5465 hrlink@borgwarner.com
Enrollment Questions www.borgwarner.com/benefits
Health Coaching and Cigna Customer Service Line www.myCigna.com
Care Management (Personal Health Team): 1-800-237-2904
Cigna Claims Cigna Customer Service Line: 1-800-237-2904 www.myCigna.com
(Medical, Prescription Drug,
Dental, FSAs)
Telehealth
• MDLIVE 1-888-726-3171 MDLIVEforCigna.com
• Amwell 1-855-667-9722 AmwellforCigna.com
Healthcare Rewards Program DirectPath: 1-866-253-2273 www.directpathhealth.com
24-hour Nurse Line Cigna Nurse Line:1-800-237-2904 www.myCigna.com
Mail-Order Prescriptions 1-800-TEL-DRUG (835-3784) www.myCigna.com
Vision Cigna: 1-877-478-7557 www.myCigna.com
Disability/FMLA Cigna: 1-800-362-4462 www.myCigna.com
Life Insurance and AD&D MetLife: 1-888-622-6616 www.metlife.com/mybenefits
Critical Illness Allstate: 1-800-521-3535 https://www.allstateatwork.com/mybenefits/
Retirement Savings Plan (RSP) Vanguard: 1-800-523-1188 https://retirementplans.vanguard.com
EAP 1-800-237-2904 www.myCigna.com
InfoArmor 1-800-789-2720 MyPrivacyArmor.com
MetLaw 1-800-821-6400 members.legalplans.com
Livongo 1-800-945-4355 www.my.livongo.com
DirectPath 1-866-253-2273 directpathhealth.com
Omada 1-888-409-8687 omadahealth.com/borgwarner (available 1/1/19)
Your Benefits Information Is Just a Click Away Watch This!
www.borgwarner.com/benefits
Watch the helpful videos about
This Benefits Reference Guide provides brief descriptions of the benefits offered to full-time,
BorgWarner’s benefits and
non-union employees for 2019. For more information, visit the BorgWarner benefits website to:
wellness programs. Use your
Access enrollment materials, wellness forms and various notices.
barcode app on your smartphone
Learn about your benefits and how they work.
to scan this code:
Find out how the Cigna Personal Health Team can support you and your family.
View the Summary of Benefits and Coverage (SBC).
Access Workday® to enroll and manage your benefits.
And more…
Or, view the videos online:
Don’t have access to a computer? Want printed copies of materials? Please contact HR Link. www.borgwarner.com/benefits
What’s Inside
S TA R T YO U R E N G I N E S ! .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Your Checklist for a Successful Enrollment
If You Don’t Enroll Online On Time
R U L E S O F T H E R O A D : B E N E F I T B A S I C S .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Eligibility
Working Spouse Rule
Coordination of Benefits
Family Status Changes
D E D I C AT E D T O YO U R W E L L B E I N G :
C I G N A P E R S O N A L H E A LT H T E A M.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
R E WA R D I N G H E A LT H Y B E H AV I O R S A N D W I S E C H O I C E S . . . . . . . . 7
#1 Earning Lower Medical Premiums
#2 Wellness Incentive Program
#3 DirectPath Rewards Program
P H Y S I C A L W E L L N E S S .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Medical Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Prescription Drug Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Dental Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Vision Coverage.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
S O C I A L W E L L N E S S B E N E F I T S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Supporting Families Programs
Voluntary Benefit Options
Employee Assistance Program
F I N A N C I A L W E L L N E S S . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Flexible Spending Accounts
Disability Coverage
Life Insurance & Other Financial Protection Benefits
Retirement Savings Plan (RSP) 401(k)
T E R M S T O K N O W . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
R E Q U I R E D I N F O R M AT I O N . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
1
Start Your Engines
Welcome to Your Benefits for the Road Ahead
BorgWarner is committed to providing you with valuable benefits and comprehensive wellness
resources to promote healthy and productive lives, including:
Physical Wellness Social Wellness Financial Wellness
S TA R T Y O U R E N G I N E S
Medical and Prescription Supporting Families Programs Flexible Spending Accounts
• Diabetes Prevention Program Identity Theft Protection Disability
• Health Management Program Legal Services Life Insurance
Dental Active&Fit DirectTM Additional Financial Protection Benefits
Vision Employee Assistance Program Retirement Savings Plan (RSP)
“Shift into Better Health” Wellness Program
BorgWarner continues to lead the industry with robust benefit plan offerings and higher-than-benchmark employer contributions.
We encourage employees to become engaged in their overall well-being and we reward them for doing so. For example, BorgWarner
employees who take steps to achieve optimal health have the opportunity to pay just 20% of the total cost for employee medical coverage.
In addition, BorgWarner works hard to help you stretch your healthcare dollars:
1
Pre-tax Contributions.
Most of your benefit premiums
2
Shift into Better Health
Premium Incentive Program.
3
Wellness Incentive
Program. You and/or your
4
Opportunity to waive
spouse surcharge. If you
are deducted from your pay You can lower the amount covered spouse can earn taxable plan to enroll your spouse,
before taxes are withheld, you pay for your medical plan cash for taking positive steps make sure he or she completes
saving you 25% or more on premium by reaching up to toward a healthier lifestyle— the Cigna Health Risk
income taxes. seven specific health-related such as completing a weight Questionnaire (HRQ), as
goals (each worth a point). management program. well as a newly required
The more points earned, the preventive annual exam, so
more you save. Earn the $0 you can waive the spouse
contribution plan by obtaining surcharge of $100 per month
5 or more points! ($1,200 per year) in 2019.
In return, you are asked to TAKE THE WHEEL and actively understand these programs and use the resources available.
2
Your Checklist for a Successful Enrollment
LEARN Read your enrollment materials and learn more about your benefit options
by attending a BorgWarner benefits orientation meeting with an HR Link
representative.
Watch the BorgWarner benefits videos at www.borgwarner.com/benefits.
PREPARE Compare your BorgWarner plan options and any available spouse coverage
to decide which will best fit your needs and budget.
If adding dependents to your coverage, have their birthdates and Social
Security numbers and required eligibility verification documents (such as a
marriage or birth certificate) available so you can submit them to HR Link.
Complete the Medical Premium Incentive requirements to lower your
S TA R T Y O U R E N G I N E S
contribution amount. Remember, if you are married, your spouse must
complete the Health Risk Questionnaire (HRQ) and a preventive annual
physical to waive the spouse surcharge.
ENROLL As a new employee, make 2019 enrollment elections within 30 days of your
date of hire: Go to www.borgwarner.com/benefits. Click on “U.S. Benefits,”
scroll down and click on the Workday logo. Once in Workday, click on “Inbox”
NEED HELP? at the top right or middle of page. Select “Benefits Event” to begin elections.
Refer to the Workday®
Online Enrollment Submit any required dependent eligibility verification documentation to
Instructions HR Link.
Double-check your elected or waived coverages before submitting your
enrollment. (Think of this as important as reviewing your tax return before
you send it to the IRS. Is medical elected? Dental? Are dependents attached
to the plans you want them enrolled in?)
If You Don’t Enroll
Online On Time Plan Your Default Coverage
Medical Basic Medical Plan
If you don’t enroll or elect to waive coverage within 30
(Employee-Only Coverage)
days of your hire date, BorgWarner is required by law to
Dental No Coverage
automatically enroll you in default coverage, shown to
Vision No Coverage
the right. This means your spouse and dependents will
Flexible Spending Accounts (FSAs) No Coverage
NOT have coverage. Your next opportunity to elect
coverage will be during the next annual Long-Term Disability Basic Plan
enrollment in November 2018, unless you Life Insurance and AD&D BorgWarner-Provided Option
experience a qualifying family status Critical Illness Insurance No Coverage
change (see page 5). Legal Plan No Coverage
Identity Theft Plan No Coverage
3
Rules of the Road:
Benefit Basics
Eligibility
Your BorgWarner benefits are designed to offer coverage to:
Who Qualifies as a
You
BENEFIT BASICS
Dependent Child?
Active, full-time* BorgWarner employee regularly
scheduled to work at least 30 hours a week. You
become immediately eligible for benefits coverage Biological child
on your first day of hire. Legally adopted child or a child who
has been placed with you for adoption
Your spouse Stepchild (Note: If you have a
Your lawful spouse. Legally separated individuals, life stepchild who lives with you, but is
partners or divorced spouses are not eligible. eligible to participate in another
employer’s health plan, the
Your dependent children** BorgWarner Plan will cover the
A child to age 26, regardless of whether the child is stepchild only on a secondary basis.)
living at home, is listed as a dependent on your tax Court-appointed child for whom you
return, is a student or is married.*** have full (not limited) legal
guardianship
Coverage is also available to children, age 26 and older,
if legally considered permanently and totally disabled. A child for whom you are required
to provide healthcare support under
Coverage runs through the end of the month in which
a Qualified Medical Child Support
your dependent child turns age 26.
Order (QMCSO)
* If a full-time employee is on a temporary layoff of 30 days or less,
healthcare plans may continue without break in coverage.
Temporary staff, leased staff, volunteers, agents, contractors or Adding a Dependent
sub-contractors are not eligible. Part-time employees are eligible To add a dependent, you must provide
for the BorgWarner Retirement Savings Plan only.
acceptable documentation verifying
** Dependent eligibility is different for life insurance. Details can be their eligibility:
obtained from your Summary Plan Description found at
www.borgwarner.com/benefits or contact MetLife directly. Child: Birth certificate, adoption
*** If your child is married, his or her spouse and children are not paperwork or tax return
eligible for coverage under the BorgWarner plans.
Spouse: Marriage certificate or tax return
If You and Your Spouse Both Work at BorgWarner
In this situation, your dependent children can be
covered under either your or your spouse’s medical,
dental and vision plans, but not both. In addition, you
and your spouse cannot enroll under two plans (as both
4 a dependent and an employee, for example).
Working Spouse Rule Family Status Changes
If you have a working spouse who is enrolled for healthcare Typically, you can change your benefit elections only during the
coverage through their own employer and you want to add annual enrollment period, unless you have a qualifying family
BENEFIT BASICS
them as a dependent to your BorgWarner healthcare coverage, status change, including:
the BorgWarner plan will pay secondary coverage ONLY. Your Marriage or divorce Eligibility for Medicare
spouse’s primary plan would be the plan offered through their Birth or adoption for you, your spouse or
employer. If your spouse is eligible for, but chooses not to enroll in, Job change for you dependent child
his/her own employer’s group plan, he/she WILL NOT be eligible or your spouse Death of a spouse or
for dependent medical benefits provided as secondary coverage dependent child
under the BorgWarner plan.
You have 30 days after the family status change to notify HR
If you enroll in both plans, please realize you may be required
Link and provide verification of the family status change event—
to pay two premiums and potentially a $100 monthly spouse
such as a marriage certificate or divorce decree. Depending on
surcharge. To ensure timely processing of claims, be sure to
the type of status change, you may be eligible to change some
provide Cigna with your spouse’s insurance information.
of your benefit elections. The change must be consistent with
the qualifying event. If you don’t notify Human Resources within
Coordination of Benefits 30 days after the event, you must wait until the next annual
enrollment period to make changes.
When you’re covered under multiple health insurance plans, the
plans will have to coordinate your and your children’s benefits to
IMPORTANT: If you do not notify HR Link of spouse
avoid paying for the same service twice. The BorgWarner medical
and/or dependent coverage changes (such as your
plan is considered the “primary” plan (meaning it will pay benefits
spouse becoming employed and eligible for medical
first) for BorgWarner employees, and the spouse’s plan would
coverage), it may prevent dependent access to COBRA
be considered “secondary” (meaning it pays any remaining costs
healthcare continuation coverage.
not covered by the primary plan, but only if the medical care is a
“covered benefit” under that secondary plan).
If you are covering your children under BOTH your and your Value of Your BorgWarner Plan
spouse’s plan, the order in which the plans pay benefits for them Each year, we measure the value of our plan against other
is determined by the birthday that falls first during the calendar manufacturers. We are happy to report that you still pay a
year—yours or your spouse’s. The one whose birthday falls first significantly lower share of total medical costs compared to
will be designated as the primary plan, and the other person’s our peer company employees.
plan is considered secondary. Medicare is secondary for BorgWarner Other Manufacturers
employees and spouses on BW plans.
19%
37%
NOTE: BorgWarner is considered the secondary 81% 63%
payer when coordinating benefits with no fault
automobile insurance. Employee Contributions and Claim Share
Company Costs
5
Dedicated to Your Wellbeing:
Cigna Personal Health Team
BorgWarner believes that a health plan should do more than take care of you when you are sick.
It should also support you to lead a healthier, more active and productive life. Through Cigna,
BorgWarner offers eligible employees and spouses access to a dedicated health team—connecting
you to a comprehensive collection of health-related programs, services, resources and tools.
The Health Team Advantage:
C I G N A P E R S O N A L H E A LT H T E A M
Gives you access Reliable, unbiased and
to a dedicated compassionate care by
Health Advocate professionally trained health
who is your primary specialists, including
Takes the hassle, confusion point of contact nurses, dieticians,
and guesswork out of getting for all your health and clinicians and
the right support, the right wellness needs across your counselors.
way and at the right time. whole spectrum of care.
Coordinated outreach with
an initial welcome, and then
Your confidentiality Dedicated to you may receive a second
is ensured. BorgWarner and introductory call if you have
BorgWarner is not made its employees with special been referred to a program
aware of your participation, training on BorgWarner based on claims
specific results or specifics and our culture, giving or Cigna HRQ
about any interactions. Buy Up
them added Plan as they
insight results.
assist you.
How It Works
If You Initiate Contact
When prompted, say
“Personal Health Team” If needed, your Health
You have a You call CIGNA at You are connected Advocate will call on
health need to your Personal Your health need
1-800-237-2904 other experts within
Health Advocate is addressed
the Personal Health
Team dedicated to
BorgWarner members
6
Rewarding Healthy
Behaviors and Wise Choices
There are three different programs aimed at rewarding BorgWarner employees for taking steps
toward healthy living and making wise health care choices.
Earning Lower Medical Premiums: The Shift
1 Into Better Health Premium Incentive Program
IT’S A FACT: The healthier people are, the less healthcare they tend to use. That’s why BorgWarner believes in rewarding those who take
steps to lead healthy lifestyles. Through the Shift into Better Health Premium Incentive, you can earn a discounted medical premium rate
R E WA R D I N G H E A LT H Y B E H AV I O R S
by achieving certain health goals.
There are seven goals. For each goal met, you will be awarded one point:
Earning 1 Point Each!
1 2 3 4 5 6 7
P
Complete the Complete one Achieve a Body Achieve total Achieve LDL of Achieve a fasting Complete one or more
online Cigna preventive dental Mass Index (BMI) cholesterol of less than or equal blood sugar of less of the following:
Health Risk cleaning/exam of less than 30 less than or to 129 mg/dl than 100 mg/dl Preventive annual
Questionnaire OR: equal to OR: physical (with your
(HRQ) A weight loss of 5% 239 mg/dl Achieve a Primary Care Physician
as compared to the non-fasting blood or OB/GYN)
last weight recorded sugar of less than
Preventive colon cancer
with Cigna 140 mg/dl
screening (age 50+)
Alternative to earn points: Enroll and participate in a Cigna telephonic
Preventive mammogram
coaching program that is most appropriate for you. There are multiple
options available, including Weight Management, Stress Management, (age 40+)
Disease Management or Healthy Eating. Call your Cigna Health Advocate Onsite clinic visits are
at 1-800-237-2904 for the coaching program that’s right for you.* not eligible
* If you choose to, you may seek an alternative method through a Cigna Health Advocate at 1-800-237-2904.
The total number of points earned by September 30 of the given year will determine the portion of the total medical plan premium you
will pay for all of the following year. (For example, points earned by September 30, 2019, will determine what portion of the premium
you pay for 2020.)
The more points earned, the more
you save on your medical plan
Better Health = Lower Premiums
contribution. Good News! Earn a $0 Points Earned Basic Plan Premium % Buy-Up Plan Premium %
contribution under the Basic Plan by 0 20% 25%
having 5 or more points! 1-2 15% 20%
3-4 10% 15%
5+ 0% 10%
7
How It Works
STEP 1: Establish Your Health Baseline Key Deadlines for
To get started and earn points, you must: Employees New to
Complete the Cigna HRQ online at www.myCigna.com.
the Medical Plan
Complete a biometric screening in one of three ways: a) during
the annual on-site biometric screening event, or b) through an New employees
on-site clinic, or c) with your personal physician. (hired BEFORE June 1, 2019) OR
Note: If you receive the biometric screening from Health Stat on-site Current employees new to the
clinic or a personal physician, you must have the provider complete the medical plan in 2019
Wellness Screening Form found at www.borgwarner.com/benefits and (effective January 1, 2019 - May 31, 2019):
send to Cigna by October 31. You must complete the HRQ within
R E WA R D I N G B E H AV I O R S & C H O I C E S
60 days of the date your benefits
STEP 2: Keep Earning Points became effective to receive the best
premium pricing for 2019.
Achieve specific health goals.
If you do not complete the HRQ within
Earn alternative points with telephonic coaching.
60 days, you will pay the highest
Complete a preventive annual physical.
premium (20% premium rate for the
Basic Plan or 25% rate for the Buy-Up
STEP 3: Track Plan) for the remainder of 2019.
Track your progress and see how many points you have In addition, you are encouraged to
earned by accessing the My Incentives page on your participate in the 2019 Premium
myCigna.com site (found under the My Health tab). The total number Incentive Program before the
of points earned as of October 31 of the given year will be used to September 30, 2019 deadline to earn
determine your medical premiums for the next plan year. the best premium pricing for 2020.
New employees
STEP 4: Participate in Open Enrollment
(hired AFTER June 1, 2019) OR
When you enroll for your medical plan in November, you will Current employees new to the
see the premiums for both plans based on the number of medical plan in 2019
points you have earned. This amount is set and cannot be changed. (effective June 1, 2019 - December 31, 2019):
You must complete the HRQ within
60 days of the date your benefits
became effective to receive the best
premium pricing for 2019 and 2020.
If you do not complete the HRQ within
Buy Up Plan 60 days, you will pay the highest
premium (20% premium rate for the
Basic Plan or 25% rate for the Buy-Up
Plan) for the remainder of 2019 and
2020.
In addition, you are encouraged to
participate in the 2020 Premium
Incentive Program before the
September 30, 2019 deadline to earn
the best premium pricing for 2020.
82 Wellness Incentive Program
Are you and/or your spouse a member of one of the BorgWarner medical plans? If so, you can participate in the BorgWarner Wellness
Incentive Program—offering added motivation to start changing unhealthy habits into healthy ones. Here’s a summary of how leading a
healthy lifestyle can really pay off.
2019 Wellness Incentive Opportunities (earning period: January 1, 2019-December 31, 2019)
Activity Cash Reward
(per person)
1. Wellness Incentives Paid in Taxable Cash (Paid quarterly through Payroll)
R E WA R D I N G B E H AV I O R S & C H O I C E S
Complete a Cigna telephonic health management program (Disease Management, Weight Management, $50
Stress Management or Tobacco Cessation)
Achieve a Health Goal (telephonic coaching for nutrition planning, hypertension and lower blood sugar) $50
2. Annual Fitness Attendance Cash Reimbursement (Reimbursement annually)
Regular attendance in a qualified fitness program by employee and/or covered spouse. Note: Both $250
(for employee only)
employee and spouse attendance count toward meeting the attendance requirement, but only the
employee is eligible for a reward. (May vary by location. See HR representative for details.)
IMPORTANT: BorgWarner is committed to helping you achieve your best health status. Rewards for participating in a
wellness program are available to all employees. If you think you might be unable to meet the requirement for the reward,
you may qualify for an opportunity to earn the same reward by different means. Contact HR Link, who will work with you and,
if you wish, your doctor, to find a reasonable alternative considering your health status.
3 DirectPath Rewards Program
There is a BIG cost difference among providers, and to help keep costs down for you and BorgWarner, it’s best if we all comparison
shop and consider using providers that offer same-quality procedures/services at lower costs. That’s why BorgWarner offers an
incentive program that rewards you for choosing lower-cost, high-quality providers for elective procedures, such as imaging and
outpatient surgeries.
How It Works: Easy as 1-2-3
STEP 1: Call DirectPath and explain the type Example:
of service or procedure you are Here’s an example of how the DirectPath Program works for knee surgery.
looking for. DirectPath has provided three provider options and their costs below:
STEP 2: They will provide you with names, OPTION A: $14,800 OPTION B: $12,000 OPTION C: $1,800
cost and quality information of up to
Depending on which option you choose, you could earn an incentive of up to $1,000.
three qualifying providers within
Your Incentive
seven days. Cost Savings (20% of the savings
Choosing Cost of Service (From the highest
from the high cost
STEP 3: If you don’t select the highest cost cost option)
option, you earn a taxable cash option, max of $1,000)
reward in your paycheck—20% of Option A $14,800 $0 $0
the calculated savings, up to a Option B $12,000 $2,800 $560
maximum of $1,000 per Option C $1,800 $13,000 $1,000
procedure/service.
If you choose Option B or C, you can earn a taxable cash incentive processed
quarterly through Payroll.
9Physical Wellness
Medical Coverage
Comprehensive medical coverage is an important part of supporting healthy living. BorgWarner offers
two medical plan options, both of which provide free preventive care to prevent healthcare problems
before they arise, an employer-paid Health Reimbursement Account (HRA) to help you cover the
costs when you are ill and comprehensive medical coverage to protect you from any catastrophic
financial effects of a serious illness or injury. Both the Basic and Buy-Up Plans include prescription
P H Y S IPCHAYLSW
drug coverage.
YOUR OPTIONS Basic Plan Buy-Up Plan No Coverage (EAP Only)
Coverage Level Employee Only Employee Only
I CEALLL N
Options Employee + 1 Employee + 1
Family Family
WEESLSL N
Your Options
Both medical plan options work generally the same way, cover the same types of services and provide you with solid coverage.
– EMSESD I C A L
However, they differ in the way you pay your portion of the costs—the balance between the amount you pay upfront (through payroll
deductions) versus the amount you pay out-of-pocket (through deductibles and coinsurance).
The Basic Plan Basic Plan Your Monthly Contribution
This plan tends to appeal to someone who doesn’t
Points
want to pay upfront for healthcare they are not sure Earned by Premium % Employee Employee+1 Family
they’ll use. Oct. 31, 2017
It offers: 0 20% $ 79.50 $ 161.00 $ 262.00
Lower payroll deductions, but a higher member 1-2 15% $ 59.50 $ 120.75 $ 196.50
deductible gap 3-4 10% $ 40.00 $ 80.50 $ 131.00
5+ 0% $ 0.00 $ 0.00 $ 0.00
Higher coinsurance
The Buy-Up Plan Buy-Up Plan Your Monthly Contribution
This plan tends to appeal to someone who is
Points
willing to pay more upfront so they have the Earned by Premium % Employee Employee+1 Family
security of more coverage at the time of service. Oct. 31, 2017
It offers: 0 25% $ 201.25 $ 402.50 $ 603.75
Higher payroll deductions, but a lower member 1-2 20% $ 161.00 $ 322.00 $ 483.00
deductible gap (due to higher HRA credits) 3-4 15% $ 120.75 $ 241.50 $ 362.25
5+ 10% $ 80.50 $ 161.00 $ 241.50
Lower coinsurance
10LEARN myCigna App Upgrade with Cigna One Guide® Service
MORE
In addition to the regular services offered through the myCigna.com app (such as finding network doctors, getting
cost estimates for care, comparing prescription prices, managing and tracking claims and accessing your ID card),
you can gain a new level of support through the One Guide® service. It allows you to build your custom health team
by creating a personal list of in-network doctors, dentists and facilities you use. And you can sign up for messages
that can guide you to savings, incentives, coaching and more.
A Closer Look at How the Medical Plans Work
Once you reach this “safety net” limit, you stop
4 Net Out-of-Pocket Maximum paying coinsurance, and the plan begins paying
100% of eligible expenses for the rest of the year.
P H YS IP
Once you’ve reached your member deductible
3
CH
Medical Plan Insurance gap, you and the plan share covered services. Your
AY
portion is called “coinsurance.”
L SW
I CEALLL NWEESLSL –N EMSESD I C A L
This is your portion of the annual plan deductible.
2 Member Deductible Gap If you exhaust the HRA, you must pay 100% until
you reach this amount.
This special account is funded by BorgWarner and
serves as the first source of payment for medical
expenses†. It is designed to offset your member
1 Health Reimbursement Account deductible gap. (For new employees, this amount
is pro-rated monthly based on your hire date.)
Unused HRA funds can carry over for use in the
next plan year.
100% Paid Preventive Care
Both plans provide in-network preventive services at no cost to members.
Understanding the Out-of-Pocket Maximum (OOPM)
For Employee +1 or Family coverage, there are two levels of OOPMs:
A Lower “Individual” OOPM A “Family” OOPM
Once a person meets the “Individual OOPM,” the plan Once the total OOPM limit is reached, the plan will pay
will cover that specific individual’s expenses at 100% 100% of all covered expenses for every person covered,
for the remainder of the year—even if the total OOPM regardless of how much each individual person has
has not yet been reached. accumulated in OOPM expenses.
11Comparing the Plan Features At-a-Glance
Basic Plan Buy-Up Plan
Feature In-Network Out-of-Network In-Network Out-of-Network
Plan Deductible $1,500/$2,250/$3,000 $3,000/$4,500/$6,000 $1,500/$2,250/$3,000 $3,000/$4,500/$6,000
Employee Only / Employee + 1 /
Family
BorgWarner-paid HRA Fund*
Employee Only / Employee + 1 / $500/$750/$1,000 $750/$1,125/$1,500
Family
Member Deductible Gap $1,000/$1,500/$2,000 $2,500/$3,750/$5,000 $750/$1,125/$1,500 $2,250/$3,375/$4,500
(Deductible minus HRA)
Coinsurance Company pays 80% Company pays 50% Company pays 90% Company pays 50%
You pay 20% You pay 50% You pay 10% You pay 50%
HRA Medical $3,000/$4,500/$6,000 $6,000/$9,000/$12,000 $3,000/$4,500/$6,000 $6,000/$9,000/$12,000
Out-of-Pocket Maximum
(Amounts reflect HRA offset) **
Prescription Drug $3,850/$5,774/$7,700 None $3,600/$5,400/$7,200 None
PHYSICAL WELLNESS – MEDICAL
Out-of-Pocket Maximum***
Lifetime Maximum Benefit Unlimited Unlimited Unlimited Unlimited
HRA Rollover Cap $3,000/$4,500/$6,000 $3,000/$4,500/$6,000 $3,000/$4,500/$6,000 $3,000/$4,500/$6,000
Preventive Care 100%; no deductible No coverage 100%; no deductible No coverage
Office Visit 80% after deductible 50% after deductible 90% after deductible 50% after deductible
Inpatient X-rays, lab tests, 80% after deductible 50% after deductible 90% after deductible 50% after deductible
home healthcare, hospice
Independent X-rays and labs 80% after deductible No coverage 90% after deductible No coverage
MRI/PET/CAT scans 80% after deductible No coverage 90% after deductible No coverage
Hospitalization **** 80% after deductible 50% after deductible 90% after deductible 50% after deductible
(Inpatient, outpatient, X-rays,
lab tests, skilled nursing)
Outpatient Hospice 80% after deductible No coverage 90% after deductible No coverage
Chiropractic 80% after deductible No coverage 90% after deductible No coverage
(max. of 12 visits/year) (max. of 12 visits/year)
Emergency Room 80% after deductible 80% after deductible 90% after deductible 90% after deductible
plus $100 surcharge***** plus $100 surcharge***** plus $100 surcharge***** plus $100 surcharge*****
Ambulance 80% after deductible 80% after deductible 90% after deductible 90% after deductible
Urgent Care 80% after deductible 80% after deductible 90% after deductible 90% after deductible
Mental Health/Substance Abuse 80% after deductible 50% after deductible 90% after deductible 50% after deductible
Infertility Services 80% after deductible No coverage 90% after deductible No coverage
Telehealth Services 80% after deductible No coverage 90% after deductible No coverage
Dialysis 80% after deductible No coverage 90% after deductible No coverage
* BorgWarner-funded HRA is pro-rated monthly based on your hire date for the first year.
** The out-of-pocket maximum amounts shown reflect “NET” amounts—after the HRA has been applied. If one member of the Family tier exceeds $3,500 or $3,750 in medical costs, the plan pays 100% of all eligible medical
expenses for the remainder of the plan year for that member.
*** An individual maximum applies for pharmacy out-of-pocket costs. If one member of the family exceeds half of the total out-of-pocket cost in an Employee+1 or Family plan, the plan pays 100% of all eligible pharmacy
expenses for the remainder of the year.
**** Utilization review required.
***** The ER surcharge is in addition to the deductible and coinsurance, but will be waived if the member is admitted to the hospital. It will accumulate toward the out-of-pocket maximum.
PLEASE NOTE: The Post-HRA Out-of-Pocket Maximum (OOPM) Having Trouble Choosing
shown above reflects the subtraction of the BW HRA contribution
offset, meaning these amounts may differ from how Cigna lists it a Medical Plan?
on your Explanation of Benefits—Cigna includes the HRA funds Try the Cigna plan selector tool at www.borgwarner.com/benefits.
in the OOPM amount. If logging in for the first time, use the following login credentials:
User ID: bwarner2019 Password: cigna
12100% Preventive Care Coverage
Many potentially serious health problems are silent—such as heart disease, diabetes and breast cancer—but commonly preventable. The
key is making sure you receive your recommended preventive care. The following are just some of the preventive services covered at
100% by the medical plan. For a complete list, please visit www.myCigna.com.
Feature Coverage
Well-baby care exams Up to age 3
Well-child care exams Ages 3 to 21
PHYSICAL WELLNESS – MEDICAL
Routine immunizations Per recommended immunization schedule
Adult annual physicals* Once per year
Colon cancer screening* Ages 50 and older or at any age with risk factors
Your Monthly Contribution Flexible sigmoidoscopy every five years
Colonoscopy every 10 years
Screenings for Women
OB/GYN exam (pap test)* Once per year
Breast cancer screening (mammogram)* Ages 40 and older, once per year
Cervical cancer screening Within three years of sexual activity, or ages 21-64, at least every three years
Screening for Men
Prostate cancer screening (PSA) Once a year for men ages 50 and older or at any age with risk factors
Additional Preventive Services for Women (Covered at 100% for in-network only)
Annual well-woman visits HIV screening and counseling
Screening for gestational diabetes Screening and counseling for interpersonal and domestic violence
HPV DNA testing for women 30 years and older FDA-approved contraception methods and contraceptive counseling
Sexually transmitted infection counseling Breast-feeding support, supplies and counseling
Please visit www.myCigna.com for more details.
* Eligible for a point under the Shift Into Better Health Premium Incentive. Annual physicals can be completed by a Primary Care
Physician or OB/GYN.
Don’t Be Wrongly Billed for In-Network Preventive Care
For your medical plan to cover 100% of the cost of your in-network preventive care service, your physician must be sure to “code” the
service as “preventive.” If submitted as a “diagnostic procedure” or “treatment” visit, the service won’t be considered preventive—
meaning your standard deductibles and coinsurance will apply. Be sure to remind your provider to code the service as “preventive.”
How the PSA Test Made a Difference to Greg
“I want to thank BorgWarner for offering the free PSA testing. My family doctor has never ordered a
PSA test as part of my yearly exam. So I signed up for the PSA testing when it was offered last year as
part of the biometric screening. I was notified after the test that my PSA was high and that I should see
my doctor. After further testing, I was told that I did have prostate cancer. I’m presently reviewing my
options for the best treatment for me. So I can’t say thank you enough for BorgWarner offering the
PSA testing.”
Greg Stephenson, ITCA (with permission)
13Care Management
Cigna Care Management is designed to make sure you receive the services that are most appropriate for you. By using nurse case managers to
coordinate your care and checking in advance if a service is covered (called precertification), Cigna can help you lower costs, avoid unnecessary
procedures and get support during your recovery after a procedure. To learn more about Cigna Care Management and how it can help you and
your family members, please contact your Health Advocate at 1-800-237-2904.
PHYSICAL WELLNESS – MEDICAL
Cigna Telehealth Connection: When You Can’t Get to Your Doctor
If you have a minor, non-life-
threatening medical condition and
need care, you can connect with a
board-certified doctor on your
computer through a video stream
(e.g., Facetime or Skype) or over the
phone, without leaving your home or
office. Offered through two national
telehealth providers—Amwell &
MDLIVE, you can receive confidential
personal care at a lower cost than
visiting your primary care
physician’s office.
Pre-register Today!
Amwell MDLIVE
TAKE
Online: AmwellforCigna.com MDLIVEforCigna.com
ACTION Phone: 855-667-9722 888-726-3171
14Diabetes Prevention Program
BorgWarner is pleased to partner with Omada to offer a breakthrough online program that inspires healthy habits. This comprehensive
16-week program is available to employees and their covered spouses and dependents over the age of 18. It is designed to help
individuals lose weight, which can help reduce the risk factors for type 2 diabetes and other chronic diseases. Participants enrolled in
a BorgWarner medical plan that are at risk for developing diabetes are eligible to enroll at no cost- that’s a $600 savings! Sign up at
omadahealth.com/borgwarner and take a one-minute heath test. If you meet Omada’s risk criteria for the program, you are immediately
notified and can enroll on the spot.
How It Works for Qualified Participants
PHYSICAL WELLNESS – MEDICAL
Receive a FREE scale Track food for first Work with coach to Participate in Join in the
in the mail that links to four months and weigh focus on challenges most educational sessions group discussions
your phone and to yourself daily crucial for your success to gain skills to replace for added support
your coach current habits with and accountability
healthy ones
Diabetes Management Program
If you or a covered family member has been diagnosed with type 1 or type 2 diabetes, you should consider the advantages of a new
program offered in partnership with Livongo. This program combines the latest technology with personal coaching to support you in
managing your diabetes. And best of all, it’s covered under the BorgWarner medical plans at no cost to you!
How Can It Help?
Coaching, anytime and anywhere:
TAKE
Certified Diabetes Educators answer any ACTION
Get Started!
questions you have, from nutrition to lifestyle
changes. Contact them directly by phone, Registering for the Livongo Diabetes Management Program
email, text or mobile app. is quick and easy—taking less than 10 minutes.
FREE advanced glucose meter ($200 value): register.livongo.com/BW-CIGNA
Automatically uploads blood glucose
(800) 945-4355 with code: BW-CIGNA
readings from an inserted test strip to your
private account. You also can get real-time
tips, set alerts and notifications and share
readings quickly and easily.
Unlimited test strips: Get as many test strips
and lancets as you need at no cost or copay.
When you need more strips, simply tap the meter
and reorder. In a few days, a new box of strips
appears at your doorstep. It’s that simple!
15Prescription Drug Coverage
If you enroll in a medical plan, you’re automatically enrolled in the Prescription Drug Program and
your medical ID card issued is for prescriptions, too. The Prescription Drug Program does not have
a deductible that you are required to meet, so your coverage begins with your first prescription.
PHYSICAL WELLNESS – PRESCRIPTION
There are two ways to get your prescriptions filled:
1) at a network retail pharmacy OR 2) through mail order
The table below shows how much you pay for each prescription, depending on the type of
prescription drug you buy and how you fill it. Keep in mind, you can refill prescriptions over the
phone or through the mail.
Retail Pharmacy Mail Order Specialty
30-day Supply* 90-day Supply 30-day Supply**
Generic
Chemically equivalent, lower-cost $10 copay $20 copay $10 copay
version of a brand-name drug
Brand Formulary
Lower-cost, yet highly effective 30% 30% 30%
brand-name prescription drugs ($30 minimum – ($60 minimum – ($30 minimum –
that generally have no generic $60 maximum) $120 maximum) $60 maximum)
equivalent
Brand Non-formulary
Generally has equally effective and 50% 50% 50%
less costly generic equivalents ($50 minimum – ($100 minimum – ($50 minimum –
Buy Up Plan
and/or one or more formulary options $150 maximum) $300 maximum) $150 maximum)
* You can fill a 90-day supply of maintenance drugs at in-network pharmacies through the Cigna 90 Now Program.
See next page for more information.
** Specialty drugs are injectable drugs typically used to treat arthritis and other conditions (does not include insulin).
IMPORTANT! To apply prescription
USE
WISELY The Generic Advantage discounts/vouchers, you must
Generic medications contain the same active deactivate your RX auto claim
ingredients and have the same quality, strength and
forwarding feature with Cigna.
purity as the brand-name medications they copy. Choosing
generic medications can save you money, so check with
your doctor to see if a generic alternative is appropriate
for your condition.
16Prescription Out-of-Pocket Maximum
Although you automatically receive prescription coverage as part of the medical plan, the out-of-pocket maximum for
prescription coverage is separate from the medical out-of-pocket maximum. This limit serves as a financial safety net for
you and your family—protecting you from unexpected and expensive prescription drug costs. Your prescription copays
and coinsurance count toward meeting this limit. They do not, however, count toward meeting your MEDICAL deductible
or out-of-pocket maximum and vice versa.
Basic Plan Buy-Up Plan
Feature In-Network Out-of-Network In-Network Out-of-Network
Employee Only $3,850 $3,600
Employee + 1 $5,774 None $5,400 None
Family $7,700 $7,200
PHYSICAL WELLNESS – PRESCRIPTION
Retail Network Pharmacy: Cigna 90 Now Program: Cigna Home Delivery
(Mail Order)
30 -day fills 90 -day fills
Use when you need a prescription More choice and greater savings
filled right away. opportunities for medicines you An alternative to refilling your
Show your medical ID card and take on an ongoing basis for a prescriptions at a retail pharmacy
pay your portion of the cost. chronic condition, such as diabetes, location.
Pharmacist will file the claim asthma or high blood pressure. Offers added convenience with
for you. Lower cost than buying three prescriptions delivered right to
Includes Walgreens, Rite Aid, CVS, 30-day prescriptions. your home.
Walmart, Costco, Sam’s Club and Access Cigna’s network of 29,000 To access:
most other national pharmacies. “long-term fill” pharmacies, Online: www.myCigna.com.
including CVS, Target, Walmart,
Mail: Complete the order form
Kroger and more.
(available at www.myCigna.com)
Find a network pharmacy near you: and mail along with your original
www.myCigna.com. prescription(s) and your payment to:
Find participating 90-day retail Cigna Tel Drug, PO Box 1019, Horsham,
pharmacies near you: PA 19044.
Cigna.com/Rx90network.
Phone: 1-800-Tel-Drug
(835-3784).
Manage Your Prescriptions Online
www.myCigna.com
(click “Home Delivery Pharmacy” tab)
Order status
Number of refills remaining
Rx number
Prescription expiration date
Prescription order history
17Specialty Drugs Step Therapy and
Injectable drugs (excluding insulin) used to treat conditions like
rheumatoid arthritis, cancer, multiple sclerosis or anemia are
Prior Authorization
covered under the Prescription Drug Program. Your first 30-day Often, there are several medication choices available to treat a
supply can be purchased at a retail pharmacy. Subsequent refills given medical condition. Though the safety and clinical
PHYSICAL WELLNESS – PRESCRIPTION
must be ordered through the specialty pharmacy mail order effectiveness of these choices can be equivalent, the cost can
service and will be dispensed in 30-day intervals only vary widely. This is most apparent with generic medications
(90-day supply is not available). In addition, you can take that are FDA approved to be just as effective as brand-name
advantage of the specialty pharmacy patient advocate service counterparts. Through Step Therapy, your pharmacist works with
for guidance and support, as well as self-care information about your doctor to find the most cost-effective and safest “step one”
your condition. drug first for treatment of your (or dependent member age 18 or
above) condition and then progresses to more costly “step two”
brand-name drugs, only if medically necessary.
How Step Therapy Works
There is a sequence of two “steps” in the choice of medication
used for the following:
High blood pressure
High cholesterol (such as Lipitor)
Stomach acid conditions
ACE (Angiotensin Converting Enzyme [ACE]) Inhibitors /
ARB (Angiotensin II Receptor Blockers) drugs used for
controlling high blood pressure, treating heart failure and
preventing kidney failure in people with diabetes or high
blood pressure
Proton pump inhibitors (such as Nexium or Prevacid)
If you try to fill a “step two” brand-name drug, the pharmacy’s
system automatically checks to see if you’ve used this before.
Buy Up Plan
If you have, the system pays the claim; however, if it is a new
http://static http://static3.bigstockphoto.com/thumbs/6/6/1/large1500/166979795.jpg 3.bigstockphoto.com/
prescription, the pharmacist will be directed to call your doctor
thumbs/6/6/1/large1500/166979795.jpg
and suggest trying a more cost-effective “step one” drug,
such as a generic equivalent or brand formulary drug. In the
meantime, you still can get a temporary supply of the “step two”
drug while you await your doctor’s approval.
Prior Authorization
Our Prior Authorization system works with the Specialty
Prescriptions and Step Therapy to ensure your drug therapy
is appropriate. Prior Authorization is needed for use of
non-preferred brand products without prior use of generic
and preferred brand products. Also, if you take medications for
acne, weight management, hypertension or emphysema, your
pharmacist will automatically call your doctor for a diagnosis
before filling your prescription.
18Dental Coverage
The mouth is a window to your
health—providing warning signs YOUR OPTIONS Dental No Coverage
for complications of heart disease,
Coverage Level Employee Only
stroke, diabetes and other serious
Options Employee + 1
conditions. That’s why your dental
benefits cover a wide range of Family
preventive and treatment services.
P H Y S I C A L W E L L N E S S – D E N TA L
Coverage is available to you and your covered dependents up to age 26. You can visit any dentist you choose, however, you will spend
less when visiting a dentist or specialist within the Total Cigna DDPO Network. Coverage is available for other services and begins after
you meet your annual deductible. Then you pay a percentage of the cost, depending on the service. The plan pays benefits up to the
annual maximum. After that, you are responsible for all remaining charges for the rest of the year.
Monthly Coverage Levels/Contribution Levels Employee = $12
Employee + 1 = $24
Family = $33
Deductible $50 per person / $200 per family TAKE
ACTION
Annual Maximum $1,500 to $3,000 (depending on Get More
(including Preventive, Basic and Major only) Cigna Wellness Plus reward earnings;
see details to the right)
Dental Coverage
Preventive and Diagnostic 100%; no deductible through Cigna
Two routine exams, cleanings and bitewing X-rays per EARN A WELLNESS POINT Wellness Plus®
year; one set of full-mouth X-rays every three years for preventive dental cleanings/exams
When you receive dental
Basic Restorative 80% after deductible
preventive care, your annual
Fillings, root canals, denture adjustments and repairs
dollar maximum will increase
and surgery
the following year by $100—
Major Restorative 50% after deductible giving you more benefits to use
Replacement of existing dentures or bridgework toward your future dental care.
once every five years By earning this reward year after
Surgical Extractions of Impacted Teeth 80% after deductible/no maximum year, you could potentially
Orthodontia 50% after deductible double your annual benefit—
$1,250 lifetime maximum* raising it over time from the
TMJ 80% after deductible current $1,500 maximum up to
Non-surgical treatment only $1,000 lifetime maximum* a $3,000 maximum!
Dental Implants** 50% after deductible
$1,500 annual maximum* * Lifetime maximum is per person.
** Must be authorized as medically
necessary.
Find a DDPO Network Dentist:
Visit the online provider directory at www.myCigna.com and click
TAKE
ACTION “Find a Doctor or Service” at the top of the page.
19Vision Coverage
Vision benefits are provided through VSP, a leading vision plan administrator.
YOUR OPTIONS Vision No Coverage
Coverage Level Employee Only
Options Employee + 1 USE
WISELY
PHYSICAL WELLNESS – VISION
Family
Should you see
Vision benefits cover exams, frames, lenses and contacts as shown in the table below.
Note: Safety glasses are covered under Cigna Medical only—up to $100. If you don’t have
an eye doctor or
Cigna Medical, be sure to see Human Resources for reimbursement. medical doctor?
Like your other benefits, coverage is for you and your covered dependents up to age 26. Your vision benefits cover
Your benefits are higher when you visit an in-network provider. If you visit an in-network services performed by an
provider, you pay a flat copay and your claims are filed for you. If you visit an ophthalmologist or optometrist
out-of-network provider, your copays are higher and you must file your own claims.
to perform regular check-ups
and correct your vision if needed.
If you have a vision problem—
Monthly Coverage Employee = $3.75
such as cataracts—diagnosis
Levels/Contribution Levels Employee + 1 = $8.15
and treatment would be covered
Family = $10.10
under your medical plan. If you
In-Network Out-of-Network need help deciding what type of
Exam $10 copay $40 maximum provider to see, call your Health
Once a year Advocate at 1-800-237-2904,
Single Lenses+ $25 copay $40 maximum or call Cigna Vision Member
Bifocal Lenses+ $25 copay $45 maximum Services: 1-877-478-7557.
Trifocal Lenses+ $25 copay $50 maximum
Lenticular Lenses+ $25 copay Not covered
Frames++ $100 allowance $30 allowance
Contacts+ $100 allowance $60 allowance
+Covers one pair of eyeglass lenses or contact lenses every 12 months.
++Covers eyeglass frames every 24 months.
Find a Cigna Vision Network provider:
TAKE
ACTION www.myCigna.com
Log onto the site, select the “Review My Coverage” tab and
click the Vision Benefits link.
20Social Wellness
Supporting Families Programs
BorgWarner is stepping up its commitment to our employees and their families by offering new benefits designed to help balance work
and family responsibilities, parenting and other family concerns.
Enhanced Infertility Coverage Under the Medical Plans
Infertility coverage under our medical plans includes the following treatments:
In Vitro Fertilization (IVF)
Gamete Intrafallopian Transfer (GIFT)
SOCIAL WELLNESS
Zygote Intrafallopian Transfer (ZIFT)
Artificial Insemination (AI)
Coverage will be provided up to a $5,000 lifetime maximum
benefit. Note: The treatments listed above and
injectable infertility treatments all will
accumulate toward the lifetime
maximum benefit.
Oral fertility medications are also
included under the prescription Paid Parental Leave Adoption Assistance
drug coverage, without a lifetime Eligible employees will BorgWarner will
maximum benefit. receive up to 20 days of reimburse up to $5,000 per
Paid Parental Leave, equal to finalized adoption, with a
Short-Term Disability/Salary lifetime maximum of $10,000.
Continuation (with no maximum Note: Expenses must be
amount). consistent with federal income
tax guidelines to qualify.
Enhanced Bereavement
Eligible employees will receive up to 14 days of bereavement
for an immediate family member (spouse or children, including
step or foster) and up to four days for extended family (parent, in-law,
sibling, grandparent, grandchild).
Paid days are at 100% of base salary and may be taken consecutively or
intermittently within 12 months following the death.
21New Voluntary Benefit Options
We heard you! When we asked employees what other types of benefits they wanted BorgWarner to offer, two came out on top: Identity Theft
Protection and Legal Services. We are pleased to add these great benefits to 2019 enrollment! Here’s a quick overview of each:
Identity Theft Protection—Offered through InfoArmor
BorgWarner is teaming with InfoArmor—a leader in the ID theft marketplace—to help protect your identity and defend you and
your family from cyber threats that can cause data breaches and financial losses.
You can purchase individual or family coverage and gain peace of mind through the
program’s full identity monitoring, immediate and proactive alerts, and full-service LEARN MORE
identity restoration services. Coverage also includes a $1 million insurance policy to InfoArmor
SOCIAL WELLNESS
help recover the cost associated with reinstating your identity. Monitoring
1-800-789-2720
services include:
Compromised credentials Credit cards myprivacyarmor.com
Sex offenders Fund transfers
Non-credit accounts Unauthorized account access
Legal Services—Offered through MetLaw, a division of MetLife
You can now purchase access to professional, confidential, legal advice and representation through MetLaw—the largest
provider of group legal plans in the U.S., with more than 15,000 network attorneys.
Most services provided have no hour limitation. There is also an unconditional
money-back guarantee.
LEARN MORE
MetLaw
Receive legal assistance via telephone advice or in-person office consultation
for a wide range of matters. Here are just a few examples: 1-800-821-6400
Will preparation and estate planning Real estate matters info.legalplans.com
Debt collection and foreclosure defense Divorce /child custody (input 9901632 as the plan
code to learn more)
Documentation Landlord/tenant issues
Active&Fit DirectTM Program
The Active&Fit DirectTM program is offered through American
Get Started!
TAKE
Specialty Health Fitness, Inc., one of the nation’s leading fitness ACTION
Participants may enroll in the
networks, serving millions of members. Active&Fit DirectTM program by
accessing the link through the Workday dashboard.
It allows you to choose from 9,000+ fitness centers and YMCAs
Once enrolled, you can print an ID card to
nationwide for $25 a month (plus a $25 enrollment fee and
present at contracted fitness centers/YMCAs.
applicable taxes). The program offers:
Online directory maps and locator for fitness centers The option to switch fitness centers to make sure you
(available on any device) find the right fit
A free guest pass to try out a fitness center before Online fitness tracking from a wide variety of popular
enrolling (where available) wearable fitness devices, apps and exercise equipment
Note: To participate, you must be 18 years of age and have a valid email address. You may pay by credit card and would be charged in advance on a monthly basis using
a recurring payment subscription. You must commit to a three-month membership. If you choose to cancel, you must provide a 30-day notice of cancellation. All
22 payments are subject to tax, if applicable, based on your location.Employee Assistance Program (EAP)
Total wellness involves more than your physical health. It also includes your mental and emotional well-being. Available to you and your
household members (regardless of whether or not you are a Cigna member), the Cigna EAP is a free, confidential resource that helps
find answers to various kinds of personal concerns, offers consultation, support, information and planning, as well as referrals to
professional resources in your community.
Available 24/7, your Cigna EAP services include, but are not limited to:
SOCIAL WELLNESS
Counseling for stress, depression, Telephonic consultation & Senior care: Learn about challenges
marital issues and other issues: Allows support: Consultations may be related and solutions associated with caring
for one-to-three face-to-face sessions to questions about behavioral for an aging loved one. Also includes
available to you and/or a household health-related topics, assistance with resources and referrals for home health
member with a counselor in your problem identification, problem-solving agencies, assisted living facilities,
area. Call 1-800-237-2904 for more skills, approaches and/or resources to social and recreational programs and
information. address behavioral concerns. long-distance caregiving.
Legal assistance: Provides free Financial: Receive free 30-minute Parenting: Receive guidance on
30-minute telephonic or face-to-face telephonic consultation with a qualified child development, sibling rivalry,
consultation with an attorney and specialist on issues such as debt separation anxiety and much more.
up to a 25% discount on select fees. counseling or planning for retirement.
Childcare: Resources and referrals Pet care: From grooming to Identity theft: A free 60-minute
for childcare providers, before and boarding to veterinary services, find consultation with a fraud resolution
after-school programs, camps and what you need to care for your pet. specialist is available.
adoption organizations are available, Resources and referrals are available
as well as information on parenting for pet sitting, obedience training,
questions and pre-natal care. veterinarians and pet stores.
To learn more about this valuable service, call anytime day or night at
1-800-237-2904 or log on to myCigna.com and click on the “Review
LEARN my Coverage” tab, then select “Employee Assistance Program (EAP)”
MORE
from the drop-down menu.
23You can also read
