Venture Forward 2023 Annual Enrollment starts Monday, October 17, and ends Friday, November 4, 2022
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Moving you forward 2023 Benefits Highlights Brochure Venture Forward 2023 Annual Enrollment starts Monday, October 17, and ends Friday, November 4, 2022
Welcome to 2023
Annual Enrollment!
We’ve certainly been through a lot together these last few years. But through it all, we
remain committed to offering a comprehensive benefits package designed to support you
and your family at work and at home, whatever life may throw your way.
With minimal changes to your benefits in 2023, you can focus on making sure your
coverage fits your and your family’s needs and puts you in the best position possible as
we venture forward into 2023.
Before you enroll, take a moment to consider what may have changed since you last
enrolled, or any upcoming life events, and how that impacts your 2023 benefits needs.
Visit your-ebenefits.com/prh today for the benefits information you need
to get started, including coverage details, costs, enrollment information, and
decision-making resources.
2
22023 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, 2023,
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, most 2022 benefits elections will roll over to 2023 at the same
coverage level, with two exceptions:
• If you contribute to a Flexible Spending Account (FSA), your 2022 FSA elections will
NOT carry over to 2023. You must re-enroll in FSAs each year.
• If you have dependent life insurance for your spouse and/or dependent child(ren) and
do not take action, you may default into a new coverage level for 2023. See page 4 for
more information.
What’s Changing for 2023
Per-Paycheck Deductions Health Savings Account
See your-ebenefits.com/prh for specific per-paycheck • The salary tiers for Company contributions to your HSA
deduction information. will change to better align with medical per-paycheck
deduction salary tiers. See page 5 for more information
• Medical per-paycheck deductions will increase slightly
about the HSA.
for the Anthem plans.
Here’s how the Company will contribute to your
• Cigna Dental DHMO per-paycheck deductions will
HSA in 2023:
increase slightly.
• If your spouse’s life insurance coverage is defaulted Employee
Base Salary as of Individual + 1 or More
to the next higher $10,000 increment (as described
October 1, 2022 Coverage Dependents
on page 4), you will see a slight increase in your
Less than $85,000 $750 $1,500
per-paycheck deductions due to the higher
($75,000 in 2021)
coverage amount.
$85,000 or more $300 $600
• There is no change to what you pay for the Kaiser HMO, ($75,000 in 2021)
the Delta Dental DPPOs, vision, or other benefits in 2023
unless changes to your annual salary or age affect your • 2023 IRS HSA contribution maximums will increase:
per-paycheck deduction, where applicable. » Individual: $3,850 ($200 increase from 2022)
» Family: $7,750 ($450 increase from 2022)
» If you will be age 55 or older by December 31, 2023,
Medical and Prescription Drugs you can make an additional $1,000 catch-up
There are no changes to the Anthem medical plans. There contribution to your HSA.
will be changes to the Kaiser HMO medical and prescription
drug coverage for 2023. See pages 5 and 6 for more
information.
3Flexible Spending Accounts Dependent Life Insurance
The Health Care FSA maximum contribution will increase to Spouse and dependent life insurance coverage options
$2,850 ($100 increase from 2022). will change:
Note: If you enroll in the Anthem CDHP with HSA, IRS Spouse Dependent Child(ren)
rules prohibit you from contributing to a Health Care FSA. 2022 Options 2023 Options 2022 Options 2023 Options
The Dependent Care FSA maximum contribution is not $10,000 Increments $5,000
changing for 2023. of $10,000,
$50,000 $10,000 $10,000
up to a
Note: As has been the case in previous years, the 50% of $15,000 $15,000
$150,000
government requires all companies sponsoring Dependent your annual maximum
Care FSAs to conduct periodic tests to ensure the plan base salary benefit
does not favor Highly Compensated Employees (HCEs) with ($100,000
respect to eligibility and benefits. If a plan fails one of these maximum)
tests, HCEs may be required to reduce their contributions One times
to the Dependent Care FSA. If you are impacted, you will your annual
be notified when testing is completed (typically by the base salary
end of the second quarter) and your Dependent Care FSA ($100,000
contribution will automatically be reduced. maximum)
If your current spouse life insurance amount is not an
increment of $10,000 and you do not make an active
Commuter Benefits election during the Annual Enrollment period, your spouse’s
The maximum monthly pre-tax contributions to the coverage will default to the next higher $10,000. For
Transportation Spending Account will increase in 2023: example, if your spouse’s current coverage is one times
your annual base salary and your annual base salary is
• $280 for commuting expenses ($10 increase from 2022)
$65,000, your spouse will default to $70,000.
• $280 for parking expenses ($10 increase from 2022)
Note: Evidence of Insurability (EOI) will be required if you:
To change your current contribution, or to enroll as a new
user, visit wageworks.com. All changes must be made by • Increase coverage for your spouse to any amount
the fourth day of the month prior to the month you want over $50,000 (except if your spouse’s coverage is
the change to go into effect. For example, if you want to automatically increased because it is not an increment
increase your January contribution, you must request the of $10,000, as described above)
change no later than December 4. • Increase coverage by more than $10,000, up to $50,000
2023 Plan Design Changes
There are no changes to your other 2023 benefits,
including the Anthem medical plans, Delta Dental
DPPO plans, vision, disability, employee life and AD&D
insurance, or voluntary benefits. To learn more about
these benefits, visit your-ebenefits.com/prh.
4What You Need to Know for 2023
Medical
Here’s an overview of how much you will pay when you receive services under each medical plan option in 2023.
Changes from 2022 are shown in orange.
Anthem Anthem Anthem Kaiser
BCBS CDHP with HSA BCBS EPO BCBS PPO* HMO
In-Network Out-of-Network In-Network ONLY In-Network Out-of-Network In-Network ONLY
Annual Deductible
Employee $1,500 $3,000 $250 $250 $1,250 None
Employee + 1 dependent $3,000 $6,000 $500 $500 $2,500 None
Employee + 2 or more dependents $3,000 $6,000 $750 $750 $3,750 None
Out-of-Pocket Maximum
Employee $2,200 $4,400 $1,100 $1,100 $3,300 $1,500
Employee + 1 dependent $4,400 $8,800 $2,200 $2,200 $6,600 $3,000
Employee + 2 or more dependents $4,400 $8,800 $3,300 $3,300 $9,900 $3,000
Covered Expenses
Preventive care Plan pays 40% after Plan pays 100% Plan pays 40% after Plan pays 100%
100% deductible 100% deductible
Primary care physician† 20% after 40% after 20% after 20% after 40% after $25 co-pay
deductible deductible deductible deductible deductible
Specialist 20% after 40% after 20% after 20% after 40% after $25 co-pay
deductible deductible deductible deductible deductible
Hospital stay‡ 20% after 40% after 20% after 20% after 40% after $500 co-pay
deductible deductible deductible deductible deductible
Emergency room‡ 20% after 20% after $200 co-pay $200 $200 co-pay $150 co-pay
deductible deductible co-pay
Urgent care‡ 20% after 40% after $40 co-pay $40 co-pay 40% after $25 co-pay
deductible deductible deductible
LiveHealth Online 20% after N/A $10 co-pay $10 co-pay N/A N/A
deductible§
Infertility treatments Covered at appropriate in- 20% after Covered at appropriate in- Limited benefits
(includes cryopreservation) or out-of-network levels; deductible, or out-of-network levels;
$25,000 lifetime maximum, $25,000 lifetime $25,000 lifetime maximum,
in- and out-of-network maximum II in- and out-of-network
combined II combined II
Gender confirmation surgery 20% after Not covered 20% after 20% after Not covered Limited benefits
deductible deductible deductible
Annual chiropractic care 20% after 40% after 20% after 20% after 40% after $15 co-pay;
deductible deductible deductible; deductible deductible maximum of
maximum of 40 visits per year
Combined maximum of 30 visits per year Combined maximum of
30 visits per year 30 visits per year
* Must be enrolled as of December 31, 2022, to elect the plan for 2023.
† 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 2023? 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!
Plus, the Company contributes to your HSA on your behalf just for enrolling in the CDHP:
Base Salary as of October 1, 2022 Individual Coverage* Employee + 1 or More Dependents*
Less than $85,000 $750 $1,500
$85,000 or more $300 $600
* The Company contribution to your HSA is determined using your coverage tier as of January 1, 2023. Your Company contribution to your HSA will not be increased
or decreased based on a subsequent qualified life event.
Learn more about the benefits of the CDHP at your-ebenefits.com/prh.
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
when you fill a prescription under each plan, with changes from 2022 shown in orange:
Anthem BCBS CDHP Anthem BCBS EPO and PPO Kaiser HMO
Retail (30-day supply)
Generic 20% after deductible* 30% ($15 min./$45 max.) $10 co-pay
Brand name 20% after deductible* 30% ($35 min./$105 max.) $30 co-pay
Specialty 20% after deductible* 30% ($75 min./$225 max.) $30 co-pay
Mail Order (90-day supply)†
Generic 20% after deductible* 25% ($30 min./$90 max.) $20 co-pay
Brand name 20% after deductible* 25% ($70 min./$210 max.) $60 co-pay
Specialty 20% after deductible* 25% ($150 min./$440 max.) $30 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 Combined with medical $5,400 Combined with medical
more dependents
* 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 when you receive services under each dental plan option in 2023.
Delta Dental Standard DPPO Delta Dental High DPPO Cigna Dental DHMO*
In-Network Out-of-Network In-Network Out-of-Network In-Network ONLY
Annual deductible (per person, $100 $100 $50 $50 None
combined in- and out-of-network)
Annual maximum benefit (per person, $1,500 $1,500 $3,000 $3,000 None
combined in- and out-of-network)
Preventive & diagnostic services** Covered 100% 20% Covered 100% 15% Covered 100%
Exams, cleanings, X-rays, sealants
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 deductible deductible deductible deductible applicable co-pay
restorations
Implants 50% after 50% after 50% after 50% after Covered 100% after
deductible deductible deductible deductible applicable co-pay
Orthodontia (all covered members) 50% after 50% after 40% after 40% after Covered 100% after
deductible deductible deductible deductible applicable co-pay
Orthodontia lifetime maximum $2,000 $2,000 $2,000 $2,000 N/A
(per person, combined in- and
out-of-network)
* For a list of co-pays, refer to the Cigna Dental Care Patient Charge Schedule, available at your-ebenefits.com/prh.
** Not subject to the deductible and will not apply toward the annual maximum benefit limit.
Vision
Here’s an overview of how much the Plan will pay when you receive services under the UnitedHealthcare vision plan in 2023.
In-Network Out-of-Network
Annual deductible $25 $25
Vision exam (once every calendar year) Plan pays 100% after deductible Up to a $40 reimbursement after deductible
Single-vision lenses Plan pays 100% after deductible Up to a $40 reimbursement after deductible
Bifocal lenses Plan pays 100% after deductible Up to a $60 reimbursement after deductible
Trifocal lenses Plan pays 100% after deductible Up to an $80 reimbursement after deductible
Frames (once every calendar year) $130 allowance after deductible Up to a $45 reimbursement after deductible
Contact lenses (once every calendar year in lieu $200 allowance after deductible Up to a $200 reimbursement after deductible
of glasses)
6Support for Everyday Challenges
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
• Anthem BCBS PPO: $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 the 2023 changes in this Highlights Brochure, along
with additional information at your-ebenefits.com/prh.
2 Think. Consider whether your current elections will still meet your needs
in 2023. 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/penguinrandomhouse.
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/prh to access the cost calculator, which will allow
you to calculate your total per-paycheck deductions in 2023, based on the
plans you elect.
Enroll. Log on to the enrollment system, UKG: e12.ultipro.com.
4
For enrollment instructions, including information on your user ID
and password, visit your-ebenefits.com/prh.
7
7Questions?
If you have a benefits-related question or need assistance during Annual Enrollment,
please contact the Employee Benefits Team:
Email: benefits@penguinrandomhouse.com
Phone: 1-800-726-0600, option 6
For specific questions, see the list of benefits administrators and insurers
at your-ebenefits.com/prh.
Si le gustaria obtener una copia de esta información en español, por favor comuníquese
con el equipo de beneficios para empleados.
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 2023 is considered a Summary of
Material Modifications (SMM).
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