2015 Open Enrol lment

X-PLORE YOUR BENEFITS

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Open Enrollment – November 3 - 14, 2014

A BRAND NEW GAME TO HELP YOU BE YOUR BEST

Introducing changes to the Flextronics Medical Plan• Three new medical plan options• A new Health Savings Account• A new telemedicine program• And more!

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Changes to the lineup

Evaluated our health and well‐being lineup

Offering new plans

Evaluated our providersIntroducing a new team of providers

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Changes to the lineup

• Eliminating the Health Reimbursement Account (HRA)• Introducing three new medical plan options• Moving to Anthem Blue Cross from UnitedHealthcare as our medical plan

administrator • Changes to Kaiser HMO deductibles (California employees only)• Moving from Optum and Wells Fargo to HealthEquity as our HSA

administrator• Eliminating Blue Cross Blue Shield of Michigan as the medical plan

administrator for Saturn employees• Eliminating Connecticare as the medical plan administrator for Advance

employee• New telemedicine resources to help you stay in the game

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Your new medical plan rosterFlextronics medical plans for 2015

CAUTION: If you don’t actively enroll during Open Enrollment, you will automatically be enrolled in the Standard Plan at your 2014 coverage level. No HSA will be opened for you.1

High-deductible health plan options

Plan name Field position

Core

Standard

Premier

Lower health care user

Medium health care user

Higher health care user

1 Advance employees will default to the Standard Plan at the employee only coverage level and no HSA. Kaiser plan participants will default to Kaiser at 2014 coverage level. If you waived coverage in 2014, it continues waived in 2015.

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You will default to the Standard PlanWhat happens if you don’t actively enroll.

2014 benefits 2015 default benefits

Plan Coverage level Plan Coverage level

UHC HRA Employee + child Standard Employee + child

Saturn BCBS MI HSA

Employee + family Standard Employee +

family

Advance Connecticare

HMO

Employee + Family Standard EMPLOYEE

ONLY

Kaiser HMO Employee only Kaiser HMO Employee only

IMPORTANT: You will NOT be enrolled in an HSA.

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The “rules” of the game• You pay nothing for in-network preventive care

services like annual physicals• You can participate in a Health Care Flexible

Spending Account (FSA):– If you are not eligible for an HSA medical plan,

you can participate in the regular Health Care FSA to pay for eligible health care expenses

 – If you enroll in an HSA medical plan, you can participate in a Limited Purpose Health Care FSA to pay for eligible dental and vision expenses

Health Savings Account (HSA)• Elect a Health Savings Account• Both you and Flextronics contribute to the account• Use money in the account to pay for eligible out-of-pocket health care costs

with tax-free money

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What’s different among the plans?

• The amounts of the deductible you pay• Your out-of-pocket maximum• Your monthly premium contributions

Premium Deductible Out-of-pocket maximum Premium Deductible

Out-of-pocket

maximum

or

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What the changes mean to you

UHC HRA Plan

• You MUST select which medical plan option — Core, Standard or Premier — is right for you and your family

• If you elect an HSA, Anthem will automatically establish it through HealthEquity1

• If you have a balance in your HRA, consider what your health care needs are from now until the end of 2014 so you can use up your HRA funds before December 31, 2014

• Check to see if your providers are in the Anthem Blue Cross network• Contact Anthem Blue Cross if you are in the middle of care during this

transition

If you’re currently enrolled in the…

1 You may be asked to provide additional information and documentation before your account can be established.

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What the changes mean to you

UHC HSA Plan

• You MUST select which medical plan option — Core, Standard or Premier — is right for you and your family

• If you elect an HSA, Anthem will automatically establish it through HealthEquity1

• The Optum HSA will no longer be supported by Flextronics: You will receive information about transferring funds from Optum to HealthEquity in your HSA welcome packet if you elect an HSA

• Check to see if your providers are in the Anthem Blue Cross network• Contact Anthem Blue Cross if you are in the middle of care during this

transition

If you’re currently enrolled in the…

1 You may be asked to provide additional information and documentation before your account can be established.

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What the changes mean to you

Kaiser HMO Plan

• If you want to remain in the Kaiser HMO, you don’t have to do anything• But, if you want to participate in a plan that gives you the option to pay for

your out-of-pocket costs today with tax-free money — and save for future health care expenses — then check out Flextronics’ HSA Medical Plan lineup

If you’re currently enrolled in the…

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What the changes mean to you

Saturn HSA Plan

• You MUST select which medical plan option — Core, Standard or Premier — is right for you and your family

• If you elect an HSA, Anthem will automatically establish it through HealthEquity1

• The Wells Fargo HSA will no longer be supported by Flextronics: You will receive information about transferring funds from Wells Fargo to HealthEquity in your HSA welcome packet if you elect an HSA

• Check to see if your providers are in the Anthem Blue Cross network• Contact Anthem Blue Cross if you are in the middle of care during this

transition

If you’re currently enrolled in the…

1 You may be asked to provide additional information and documentation before your account can be established.

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What the changes mean to you

Advance Plan

• You MUST select which medical plan option — Core, Standard or Premier — is right for you and your family

• If you elect an HSA, Anthem will automatically establish it through HealthEquity1

• If you have a balance in your HRA, consider what your health care needs are from now until the end of 2014 so you can use up your HRA funds before December 31, 2014

• Check to see if your providers are in the Anthem Blue Cross network• Contact Anthem Blue Cross if you are in the middle of care during this

transition

If you’re currently enrolled in the…

1 You may be asked to provide additional information and documentation before your account can be established.

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Health Savings Account (HSA)

• A Health Savings Account or HSA is a savings account you can use to cover health care expenses

• To be eligible to participate in an HSA you must:– Be enrolled in a high-deductible health plan– Not be enrolled in a Medicare1 health plan or

enrolled in another health plan that is not a high-deductible plan, like a spouse’s or domestic partner’s

• If you’re not eligible for an HSA, you can enroll in Flextronics plans, but without the HSA 

1 If your spouse or domestic partner is eligible for Medicare, you may enroll in the HSA and use the funds to cover their health care expenses (excluding premiums) if they are your tax dependent.

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HSA triple-tax savings

With an HSA, you do not pay taxes when you:• Put money into the account through

convenient payroll deductions• Earn interest on the account• Use HSA funds to cover qualified health

care expenses

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2015 HSA annual contribution limits

  Flextronics 2015 HSA contribution

on your behalf

Maximum you may contribute

in 2015

2015 HSA contribution

maximumYou only $400 $2,950 $3,350Family $800 $5,850 $6,650

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Strategies to fund your HSA• To get the most from your HSA, you need a

game plan to help you save enough money to

cover your share of health care costs.

• During Open Enrollment, follow these easy

steps:

– Enroll in the Core, Standard or Premier plan and

elect your HSA contribution amount, if eligible

– Flextronics will make a contribution each month

– Up to $400 for employee only coverage

– Up to $800 for all other tiers

Remember: You can change your HSA payroll contributions at any time during the year.

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What expenses can be paid with an HSA?• Qualified medical expenses that include most:

– Medical– Prescription– Dental– Vision

• Cannot be used to pay medical plan premiums if you are an active employee

• Can be used to pay for COBRA contributions in the event of a Leave of Absence or termination.

• More information can be found in IRS publication 502.

Hold onto your receipts

Keep all of your itemized receipts when you use your HSA in case the IRS asks to see them; you can upload them to the HealthEquity  website for safekeeping.

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Employee monthly premium contributions for 2015Tiers Core Standard Premier

Employee only $70.78 $110.05 $128.07

Employee + spouse $210.59 $296.62 $336.10

Employee + child(ren) $165.07 $245.55 $282.48

Employee + family $310.70 $437.94 $496.33

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Flextronics medical plans at a glance1

Core Standard Premier

In-network Out-of-network In-network Out-of-

network In-network Out-of-network

ANNUAL DEDUCTIBLE

Individual $2,500 $5,000 $1,800 $3,600 $1,300 $2,600

Employee + spouseEmployee + child(ren)Employee + family

$5,000 $10,000 $3,600 $7,200 $2,600 $5,200

OUT-OF-POCKET MAXIMUM

Individual $5,000 $10,000 $3,600 $7,200 $2,600 $5,200

Employee + spouseEmployee + child(ren)Employee + family

$10,000 $20,000 $7,200 $14,400 $5,200 $10,400

1 Kaiser options also available for employees in California only.2 Reimbursable amount is 110% of maximum non-network reimbursement program (MNRP).

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People like youExample 1 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

March

HSA balance available to use(January – March Flextronics contribution) $100.00 $100.00 $100.00Deductible as of March 1 $2,500.00 $1,800.00 $1,300.00Services after March 1 Annual physical – preventive care covered 100% $0.00 $0.00 $0.00 Urgent care – cost of visit $100 $100.00 $100.00 $100.00 Generic antibiotic – $20 $20.00 $20.00 $20.00Total cost $120.00 $120.00 $120.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 1 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

March

Marty pays From HSA $100.00 $100.00 $100.00 From pocket for deductible $20.00 $20.00 $20.00 Total $120.00 $120.00 $120.00Remaining deductible $2,380.00 $1,680.00 $1,180.00Remaining HSA balance $0.00 $0.00 $0.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 1 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

October

HSA balance available to use(April – October Flextronics contributions) $233.00 $233.00 $233.00 Services after October 1 Doctor’s office visit – cost of visit $100 $100.00 $100.00 $100.00 Outpatient MRI – cost of MRI $1,000 $1,000.00 $1,000.00 $1,000.00 Knee surgery – cost of procedure $2,500 $2,500.00 $2,500.00 $2,500.00Total cost $3,600.00 $3,600.00 $3,600.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 1 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

October

Marty pays From HSA $233.00 $233.00 $233.00 From pocket for deductible $2,147.00 $1,447.00 $947.00 From pocket for coinsurance $244.00 $384.00 $484.00Total $2,624.00 $2,064.00 $1,664.00Remaining deductible $0.00 $0.00 $0.00Remaining HSA balance $0.00 $0.00 $0.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 1 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

Plan year

Marty total out-of-pocket costs March $120.00 $120.00 $120.00 October $2,624.00 $2,064.00 $1,664.00 Annual premium contribution $849.36 $1,320.60 $1,536.84Total $3,593.36 $3,504.60 $3,320.84

Marty spends less out of pocket with the Premier Plan.

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 2 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

March

HSA balance available to use(January – March Flextronics contribution) $100.00 $100.00 $100.00Deductible as of March 1 $2,500.00 $1,800.00 $1,300.00Services after March 1 Annual physical – preventive care covered 100% $0.00 $0.00 $0.00 Urgent care – cost of visit $100 $100.00 $100.00 $100.00 Generic antibiotic – $20 $20.00 $20.00 $20.00Total cost $120.00 $120.00 $120.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 2 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

March

Marty pays From HSA $100.00 $100.00 $100.00 From pocket for deductible $20.00 $20.00 $20.00 Total $120.00 $120.00 $120.00Remaining deductible $2,380.00 $1,680.00 $1,180.00Remaining HSA balance $0.00 $0.00 $0.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 2 – Marty, employee-only coverage; under each of the medical options using in-network providers, Marty will pay:1

Core Standard Premier

Plan year

Marty total out-of-pocket costs March $120.00 $120.00 $120.00 October $0.00 $0.00 $0.00 Annual premium contributions $849.36 $1,320.60 $1,536.84Total $969.36 $1,440.60 $1,656.84

Marty spends less out of pocket with the Core Plan.

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 3 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

March

HSA balance available to use(January – March Flextronics contribution) $200.00 $200.00 $200.00Deductible as of March 1 $5,000.00 $3,600.00 $2,600.00Services after March 1 Annual physical – preventive care covered 100% $0.00 $0.00 $0.00 Urgent care – cost of visit $100 $100.00 $100.00 $100.00 Generic antibiotic – $20 $20.00 $20.00 $20.00Total cost $120.00 $120.00 $120.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 3 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

March

Orzo family pays From HSA $120.00 $120.00 $120.00 From pocket for deductible $0.00 $0.00 $0.00 Total $120.00 $120.00 $120.00Remaining deductible $4,880.00 $3,480.00 $2,480.00Remaining HSA balance $80.00 $80.00 $80.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 3 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

October

HSA balance available to use(April – October Flextronics contributions) $547.00 $547.00 $547.00 Services after October 1 Doctor’s office visit – cost of visit $100 $100.00 $100.00 $100.00 Outpatient MRI – cost of MRI $1,000 $1,000.00 $1,000.00 $1,000.00 Knee surgery – cost of procedure $2,500 $2,500.00 $2,500.00 $2,500.00Total cost $3,600.00 $3,600.00 $3,600.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 3 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

October

Orzo family pays From HSA $547.00 $547.00 $547.00 From pocket for deductible $3,053.00 $2,933.00 $1,933.00 From pocket for coinsurance $0.00 $24.00 $224.00Total $3,600.00 $3,504.00 $2,704.00Remaining deductible $1,280.00 $0.00 $0.00Remaining HSA balance $0.00 $0.00 $0.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 3 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

Plan year

Orzo family total out-of-pocket costs March $120.00 $120.00 $120.00 October $3,600.00 $3,504.00 $2,704.00 Annual premium $3,728.40 $5,255.28 $5,955.96Total $7,448.40 $8,879.28 $8,779.96

Orzo family would spend less out of pocket with the Core Plan.

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 4 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

March

HSA balance available to use(January – March Flextronics contribution) $200.00 $200.00 $200.00Deductible as of March 1 $5,000.00 $3,600.00 $2,600.00Services after March 1 Annual physical – preventive care covered 100% $0.00 $0.00 $0.00 Mail order generic blood pressure medicine $50.00 $50.00 $50.00 Mail order generic cholesterol medicine $50.00 $50.00 $50.00 Chiropractor – 10 visits at $60/visit $600.00 $600.00 $600.00Total cost $700.00 $700.00 $700.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 4 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

March

Orzo family pays From HSA $200.00 $200.00 $200.00 From pocket for deductible $500.00 $500.00 $500.00Total $700.00 $700.00 $700.00Remaining deductible $4,300.00 $2,900.00 $1,900.00Remaining HSA balance $0.00 $0.00 $0.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 4 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

October

HSA balance available to use(April – October Flextronics contributions) $467.00 $467.00 $467.00 Services after October 1 Mail order generic blood pressure medicine $50.00 $50.00 $50.00 Mail order generic cholesterol medicine $50.00 $50.00 $50.00 Inpatient hospital including tests $6,000.00 $6,000.00 $6,000.00Total cost $6,100.00 $6,100.00 $6,100.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 4 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

October

Orzo family pays From HSA $467.00 $467.00 $467.00 From pocket for deductible $3,833.00 $2,433.00 $1,433.00 From pocket for coinsurance $360.00 $640.00 $840.00Total $4,660.00 $3,540.00 $2,740.00Remaining deductible $0.00 $0.00 $0.00Remaining HSA balance $0.00 $0.00 $0.00

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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People like youExample 4 – Orzo family, employee + family coverage; under each of the medical options using in-network providers, the Orzo family will pay:1

Core Standard Premier

Plan year

Orzo family total out-of-pocket costs March $700.00 $700.00 $700.00 October $4,660.00 $3,540.00 $2,740.00 Annual premium contribution $3,728.40 $5,255.28 $5,955.96Total $9,088.40 $9,495.28 $9,395.96

Orzo family would spend less out of pocket with the Core Plan.

1 Remember, actual fees for medical procedures vary. Don’t use these examples to estimate your actual costs under these plans.

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A new kind of house callTelemedicine program in 2015• Anthem LiveHealth Online program• On-demand access to a national network

of board-certified doctors who can:– Diagnose– Recommend treatment– Prescribe medication

• Available over two-way video chat via computer or smart phone

• Doctors available 24 hours a day• Costs just $49 per visit if you have not yet

met your deductible.

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X-Plore these key dates2014 2015

September – October November 3 November 14 December January 1

Get your on-site Wise & Well biometric screening

Get your flu shot

 

Open Enrollment begins

Review your enrollment materials to make sure you understand your new medical plan choices and any other benefit changes

Deadline to enroll in benefits for 2015

Deadline to submit your physician form to score a $75 Wise & Well gift card

Watch for new medical and prescription ID cards and HSA cards

Watch for your $75 Wise & Well gift card

New benefits begin

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You must take action

If you don’t actively enroll in a plan, you will default into the Standard Medical Plan1 at the 2014 coverage level. You will not have an HSA.

1 Kaiser plan participants will default to Kaiser, at the 2014 coverage level. Advance plan participants will default to the employee-only coverage level in the Standard Plan. If you waived coverage in 2014, it continues waived in 2015.

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Final reminders

• Your enrollment decisions will be in effect for all of 2015 unless you have qualifying life event like you get married or have a baby

• Your must actively enroll in Flexible Spending Accounts each year

• If you added new dependents to your health coverage be prepared to complete the Dependent Verification Process and submit documents to prove your dependent’s eligibility

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Get in the game this fall!Anthem resources starting October 1, 2014Pre-enrollment website Anthem customer care line

http://enrollment.anthem.com/Flextronics 1-844-256-4819

Email Phone

Benefits.HRConnect@flextronics.com 1-866-772-7470

Flextronics Global Business Services Center (GBS)