2021 changes
View a summary of the key changes being made to our benefits program for 2021.
2021 Open Enrollment: November 23–December 4
Review this page to find out what you need to know and what you need to do during Open Enrollment.
How to enroll
Enrolling is easy! Find out how.
Decision support
These tools and resources will help you make informed decisions about your benefits.
Benefit options
See the benefits available to you in 2021.
Who can enroll in Acme benefits?
All active regular full-time or part-time employees who are scheduled to work 20 or more hours per week are eligible to participate in Acme’s benefits program. You may also cover your eligible dependents under Acme’s medical, prescription, dental, vision, and life benefits.
Your eligible dependents include:
- Spouse or domestic partner (same or opposite gender)
- Your child(ren) and your covered spouse’s or domestic partner’s child(ren) up to age 26
- Disabled children who became disabled on or before age 26
Please note: If you enroll your spouse or domestic partner in medical coverage and he/she has medical coverage available through an employer, a $50 per month surcharge will be added to your medical plan premiums.
2021 changes
We’re excited to introduce a whole new benefits experience at Acme that offers you more choice, flexibility, and the opportunity to save money — it’s called Mercer Marketplace 365+. This change is part of our commitment to support your total well-being while also delivering value for you, your family, and the company.
Through the Acme Enrollment online benefits platform, you’ll have access to a choice of benefits, plus tools and information to put you in charge of your health and your benefits.
With Mercer Marketplace 365+, you get:
- Choice – Access an expanded selection of benefit options, including accident, hospital indemnity, and critical illness insurance, along with traditional plans like health, dental, vision, life, and disability.
- Simplicity – Enjoy easy enrollment, available 24/7 from any computer or mobile device, with built-in comparison tools to help you make informed decisions.
- Personal support – Reach out to a team of dedicated benefits counselors by phone or secure online chat to get answers to your questions or receive guidance in choosing your benefits.
- Health management – Find the right combination of plans to help you focus on your total well-being.
- Cost control – See your costs clearly as you “shop” for benefits online and choose the benefits that offer the best value and protection for you and your family.
- Ongoing convenience – Use the Acme Enrollment website to manage your benefits all throughout the year.
Your expanded selection of benefit options includes:
| Benefit | What’s changing in 2021 |
|---|---|
NEW Medical Plans and Health Savings Account (HSA)
|
The new medical plans include a range of deductibles and premiums. Two of the new plans will include a Health Savings Account, or HSA, that you can use to pay for eligible health care expenses — you’ll even receive a company contribution to your account. |
| NEW Supplemental Medical Plans | You may choose any combination of the following: critical illness, accident, and hospital indemnity insurance. |
| NEW Mercer Marketplace 365+ HUB | You may enroll in this voluntary benefit for year-round access to personal health advocacy services, price comparison tools, physician performance ratings, and expert medical opinions. |
| NEW Dental and Vision Plans | Choose from basic or enhanced dental and vision options. |
| Flexible Spending Accounts (FSAs) | Our Health Care, Combination, and Dependent Care FSAs will work the same as they do today with a new administrator. |
| ENHANCED Life and Disability Options | You have additional coverage options with a new administrator. |
| NEW Additional Benefits | Discover options such as auto and home insurance, a legal plan, identity theft protection, pet insurance, and online discount shopping. |
You MUST take action this Open Enrollment!
Your current benefit elections will not carry over to 2021. You must enroll in your 2021 benefits by December 4 — otherwise, you won’t have Acme coverage next year. You will only receive automatic company-paid benefits, such as basic life and AD&D.
Do you need to enroll?
If you don’t enroll, your current benefit elections will continue next year, with the exception of Flexible Spending Accounts (FSAs) and Health Savings Account (HSA) contributions. You must take action if you want to contribute to an FSA or HSA in 2021.
How to enroll
You have two ways to enroll — online or by phone.
- Visit the Acme Enrollment website – Enroll online at your convenience, any time of day or night.
- Call 1-800-123-4567 – Representatives are available to help you Monday through Friday, from 8 am to 7 pm ET.
Enrolling is easy!
The Acme Enrollment website will guide you through the benefits enrollment process every step of the way.
Log in
The first time you visit the Acme Enrollment website, select “Get Started” and follow the instructions to register your account. You’ll need to provide the last four digits of your Social Security number, your last name, your date of birth, and your ZIP code. (Please note that the information you enter must match the information in our employee files in order to confirm your identity.) Then click the “I’m not a robot” box.
Next, you’ll be asked to select an email address or phone number to set up multifactor authentication (MFA), a security measure that ensures a higher level of data protection. MFA combines your username and password with an additional security factor — a temporary numeric code sent to you — to confirm your identity and keep your information secure. Simply enter this code into the site once you receive it via email or text.
Make your elections
To select your benefits, click on the “Get Started” link on the homepage. Then, you’ll be able to choose a path to begin selecting your benefits for 2021.
Receive expert guidance:
- If you choose to receive expert guidance, click “Get Started” within this tile.
- You’ll answer a few questions about your health, payment preferences, and expected life events.
- Then, you’ll be presented with a “Best Match” package of benefits customized just for you.
- You can review this package and make any adjustments you’d like. Click on “Quick View” within each tile to see additional information, or click on “Edit Coverage” to see full details for that plan and all other options side by side. You can also switch to the “Choose Your Own” path at any time and continue selecting benefits that way.
- Once you’re happy with your benefits package, click on the “Continue with this Package” button at the bottom of the page.
- You’ll be offered the opportunity to provide beneficiary information. When you’re done, click on the “Finalize this Package” button.
- On the next page, check the “Yes, I accept.” box and click on the “Purchase this Package” button.
Choose your own:
- If you decide to choose your own benefits, click “Get Started” within this tile, and then click “Start Open Enrollment” on the next page.
- You’ll start by providing or confirming information about your dependents and yourself.
- Then, click the “Choose Benefits” and “Voluntary Benefits” tabs to review and select your benefits for 2021. You can go through the benefits in order as they are presented, or you can jump to any benefit at any time using the links along the top navigation.
- When you’re ready, you can review “Your Cart” and make changes if necessary before you finalize your enrollment decisions. This page also clearly displays your costs, both per pay period and annually.
- When you’re all set, check the “Yes, I accept.” box and then click on the “Checkout” button.
Please note: After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualifying life event, such as a birth or a marriage.
Decision support
Choosing the right plans is important for both your health and your financial well-being. These resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.
- 2020 Open Enrollment Newsletter – Read highlights of what’s changing for 2021, along with key dates and action steps for enrollment.
- 2020 Benefits Guide – Find everything you need to know about choosing your benefits for the new year.
- Health Plan Chooser – Compare total medical plan costs for people with situations similar to yours.
- Medical Plan Cost Estimator – Estimate your out-of-pocket expenses to see which plan might offer you the best value and determine how much to set aside in a Health Savings Account (HSA) or Health Care Flexible Spending Account.
- Benefits Open Enrollment Presentation – Watch this webinar at your convenience for an overview of the Acme 2021 Benefits Program.
- 2020 Contribution Rates – View your cost for health care coverage in 2021.
- Acme Enrollment – Use these tools as you go through the enrollment process — they’ll help you decide which medical plan is best for you:
- Cost estimator – On the Medical Insurance page, you can easily compare plan details and see your estimated annual costs for each plan. To customize the annual cost estimates, look for the Personalize Your Cost Estimate heading and click on National Average Year, then select Your Services and adjust your level of expected health care usage.
- HSA/FSA estimator – Within the Personalize Your Cost Estimate tool, look for Your HSA/FSA Contribution, and click on Add Contribution. Then fill in the fields to find out how much contributing to a tax-free savings or spending account could save you. You can click on the Contribute Maximum buttons to have the maximum allowed amount for your situation automatically entered into the estimator.
Your enrollment checklist
Use this checklist to make the most of your Open Enrollment opportunity:
- Learn about your benefit options, paying special attention to the changes coming next year.
- Think about your coverage needs, including how much health care you anticipate needing and whether your current life and disability insurance provides enough protection.
- Make sure your dependent information is correct and all your dependents are still eligible.
- Update your FSA enrollment and/or HSA contribution amount — they don’t carry over to the next year.
- Review your beneficiaries — it’s a good idea to review your beneficiary information (especially if your personal circumstances have changed) and make updates as needed.
- Complete your benefits enrollment by December 4.
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance).
Benefit options
During Open Enrollment, you have the opportunity to enroll in the following benefits for 2021.
Medical
See your new medical plan details for 2021 below:
| CDHP Plan | PPO Plan | PPO2 Plan | HMO Plan | |
|---|---|---|---|---|
| HSA features | ||||
| HSA-eligible | Yes | No | No | No |
| Company contribution to HSA | $X | None | None | None |
| Annual deductible (individual/family) | ||||
| In-network | $2,850/$5,700 | $900/$1,800 | $750/$1,500 | $400/$800 |
| Out-of-network | $5,700/$11,400 | $1,800/$3,600 | $1,500/$3,000 | N/A |
| Coinsurance | ||||
| In-network | You pay 30%, plan plays 70% | You pay 20%, plan plays 80% | You pay 10%, plan plays 90% | You pay 10%, plan plays 90% |
| Out-of-network* | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | N/A |
| Annual out-of-pocket maximum (individual/family) | ||||
| In-network | $5,500/$11,000 | $3,000/$6,000 | $3,000/$6,000 | $2,000/$4,000 |
| Out-of-network | $11,000/$22,000 | $6,000/$12,000 | $6,000/$12,000 | N/A |
| Medical care: Your costs | ||||
| Preventive care | Covered at 100% in-network, so you pay nothing | |||
| Office visit (primary care) | ||||
| In-network | You pay 30% after deductible | You pay 20% after deductible | $30 copay | $20 copay |
| Out-of-network | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | N/A |
| Office visit (specialist) | ||||
| In-network | You pay 30% after deductible | You pay 20% after deductible | $40 copay | $20 copay |
| Out-of-network | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | N/A |
| Telemedicine visit | ||||
| In-network only | You pay 30% after deductible | You pay 20% after deductible | $20 copay | $20 copay |
| Urgent care visit | ||||
| In-network | You pay 30% after deductible | You pay 20% after deductible | $50 copay | $30 copay |
| Out-of-network | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | N/A |
| Emergency room visit | ||||
| In- and out-of-network | You pay 30% after deductible | You pay 20% after deductible | $150 copay | $50 copay |
| Prescriptions: Your costs | ||||
| 30-day supply (retail pharmacy) | ||||
| Generic | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 20% (min $10/max $20)** | $10** |
| Formulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 20% (min $25/max $50)** | $30** |
| Nonformulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 45% (min $40/max $80)** | $60** |
| 90-day supply (mail order or retail pharmacy) | ||||
| Generic | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 30% (min $25/max $50)** | $25** |
| Formulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 30% (min $62.50/max $125)** | $75** |
| Nonformulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 45% (min $100/max $200)** | $150** |
*Out-of-network benefits are based on reasonable and customary charges.
** Deductible does not apply.
[Alternate Table Format]
| PPO Plan | CDHP Plan | HMO Plan | |||
|---|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network Only | |
| Annual deductible (calendar year) |
$250 individual
$500 family
|
$500 individual
$1,000 family
|
$1,350 individual
$2,750 family
|
$2,750 individual
$5,000 family
|
None |
| Coinsurance | 80% | 60% | 90% | 70% | None |
| Annual out-of-pocket maximum (calendar year) |
$2,000 individual
$4,000 family
|
$4,000 individual
$8,000 family
|
$2,600 individual
$5,000family
|
$5,000 individual
$10,000 family
|
$2,000 individual
$4,000 family
|
| Acme contribution to HSA | N/A |
$500/year for individual coverage
$1,000/year for family coverage
|
N/A | ||
| Physician services: Your costs | |||||
| Preventive care | Covered 100%* | You pay 40% | Covered 100%* | You pay 30% | Covered 100% |
| Primary care office visit | $15 copay* | You pay 40% | You pay 40% | You pay 30% | $20 copay |
| Specialist office visit | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $20 copay |
| Telemedicine visit | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $20 copay |
| Lab/X-ray | $15 copay* | You pay 40% | You pay 10% | You pay 30% | No copay |
| Imaging (CT/MRIs) | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $100 copay per type of scan |
| Physical therapy — up to 20 visits/calendar year | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $20 copay |
| Chiropractic — up to 20 visits/calendar year | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $15 copay |
| Durable medical equipment | You pay 20% | You pay 40% | You pay 10% | You pay 30% | No copay |
| Hospital services: Your costs | |||||
| Inpatient | You pay 20% | You pay 40% | You pay 10% | You pay 30% | $100 per day (5-day maximum)** |
| Outpatient | You pay 20% | You pay 40% | You pay 10% | You pay 30% | $250 copay |
| Emergency room | $150 copay | $150 copay | You pay 10% | You pay 10% | $100 copay (waived if admitted) |
| Ambulance | You pay 20% | You pay 20% | You pay 10% | You pay 10% | No copay |
| Urgent care | $25 copay* | $25 copay* | You pay 10% | You pay 10% | $25 copay |
| Mental health care: Your costs | |||||
| Inpatient | You pay 20% | You pay 40% | You pay 10% | You pay 30% | $100 per day (5-day maximum)** |
| Outpatient | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $25 copay |
| Prescription drugs: Your costs | |||||
| Retail pharmacy (30-day supply) | |||||
| Generic | $10* | Not covered | $15 | Not covered | $10 |
| Formulary | $20* | Not covered | $40 | Not covered | $20 |
| Nonformulary | $40* | Not covered | $60 | Not covered | $40 |
| Mail order (90-day supply) | |||||
| Generic | $20* | Not covered | $30 | Not covered | $20 |
| Formulary | $40* | Not covered | $80 | Not covered | $40 |
| Nonformulary | $80* | Not covered | $120 | Not covered | $80 |
*Deductible does not apply
**Semi-private room
***Pre-authorization required
Supplemental Medical
There are no changes for 2021. The following plans will be available:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
Dental
There are no changes for 2021. The following plans will be available:
- Basic Plan
- Premium Plan
Vision
You will have access to an expanded network of EyeMed providers in 2021. You may choose to enroll in one of the following plans:
- Standard Plan
- Enhanced Plan
Savings & Spending Accounts
The following accounts will be available in 2021:
- Health Savings Account (HSA) – Increased contribution limits for 2021 ($4,150 for employee-only coverage and $8,300 if you cover dependents)
- Health Care Flexible Spending Account (FSA) – Increased contribution limit for 2021 ( $3,200)
- Combination FSA – Increased contribution limit for 2021 ( $3,200)
- Dependent Care FSA – No changes for 2021
Life Insurance
Domestic partner coverage will be available in 2021. In addition to the basic life and accidental death and dismemberment (AD&D) insurance you receive, which is company paid with no enrollment required, you may enroll in:
- Supplemental employee life and AD&D insurance
- Spouse life and AD&D insurance
- Dependent life and AD&D insurance
Disability Insurance
There are no changes for 2021. You will receive short-term disability and long-term disability insurance at no cost to you, with no enrollment required. In addition, you may choose to enroll in:
- Buy-Up Long-Term Disability Insurance
Voluntary Benefits
Consider whether voluntary benefits are right for you next year:
- MetLife Auto & Home®– MetLife gives you access to personal insurance policies, including home (not available in MA or FL), renter's, landlord’s rental dwelling, condo, car, recreational vehicle, and boat
- PrivacyArmor – Identity theft protection providing security against data theft and digital fraud
- MetLife Legal Plan – Coverage for a wide array of legal services
- My Pet Protection – Nationwide provides coverage to help you cover the costs of veterinary care
- Perkspot Online Discount Mall – Exclusive discounts from hundreds of merchants
- Purchasing Power® – Financing program to make purchases through payroll deduction