2022 HEALTH AND WELFARE BENEFITS GUIDE
Transcript of 2022 HEALTH AND WELFARE BENEFITS GUIDE
YOUR HEALTH CARE BENEFITS AT A GLANCE ............................................................................................ 1
WHO IS ELIGIBLE........................................................................................................................................... 2
HOW TO ENROLL ........................................................................................................................................... 2
MAKING CHANGES DURING THE YEAR........................................................................................................ 2
MEDICAL BENEFITS....................................................................................................................................... 3
BLUE CROSS BLUE SHIELD GLOBAL CORE ................................................................................................. 7
HEALTH SAVINGS ACCOUNT ...................................................................................................................... 11
FLEXIBLE SPENDING ACCOUNTS............................................................................................................... 12
DENTAL BENEFITS ...................................................................................................................................... 14
VISION BENEFITS ........................................................................................................................................ 15
MANAGING YOUR HEALTH CARE ............................................................................................................... 16
BEYOND MEDICARE .................................................................................................................................... 17
CARE@WORK/BRIGHT HORIZONS ............................................................................................................. 17
RETHINK DEVELOPMENTAL CHALLENGES ............................................................................................... 17
AFLAC .......................................................................................................................................................... 18
CONTACT INFORMATION ............................................................................................................................ 19
TABLE OF CONTENTS
YOUR HEALTH CARE BENEFITS AT A GLANCE
Benefit Options Who Pays
Medical and Prescription Drugs Enroll or waive coverage in:
• BCBS PPO Base Plan
• BCBS PPO Buy-up Plan
• BCBS HDHP w/ HSA Base Plan
• BCBS HDHP w/ HSA Buy-up Plan
Coverage includes Blue Cross Blue Shield
Global Core when you are traveling.
Dental Enroll or waive coverage in the Delta Dental
PPO. You pay the cost of this coverage.
Vision Enroll or waive coverage in the VSP Vision
Care Plan. You pay the cost of this coverage.
Flexible Spending Accounts (FSAs) Enroll or waive coverage each year in:
• Health Care FSA
• Limited Purpose Health Care
FSA (for HDHP participants only)
• Dependent Care FSA • Commuter FSA (transit and parking) –
only FSA for which your prior year elections
carry forward.
You make pre-tax contributions to your
account(s).
Teladoc You pay a copay at the time of service.
Health Advocate + Employee
Assistance Program (EAP)
Holland & Knight pays the full cost for
this benefit.
Beyond Medicare Holland & Knight pays the full cost for
this benefit.
AFLAC
Available 24/7; automatic enrollment with
medical plan participation. Register for
the service on the Teladoc website.
Available 24/7; no enrollment required.
No enrollment required. Medicare advice available to individuals who are age 60 or older.
Enroll or waive coverage in:
• Cancer Insurance
• Accident Insurance
• Hospital Insurance
You pay the cost of this coverage.
You and Holland & Knight share
in the cost of coverage.
WHO IS ELIGIBLE If you are a full-time employee or part-time employee who is expected to work 30 hours or more each week, you, your spouse/domestic
partner and your dependents are eligible to participate in Holland & Knight’s health and welfare benefit plans. Eligible dependents for medical,
dental and vision coverage include:
• Spouse
• Domestic partner
• Biological children, stepchildren, adopted children, your domestic partner’s children and children for whom you are the legal guardian,
in each case up to age 26. Dependents are no longer eligible at the end of the calendar year in which they turn 26.
HOW TO ENROLL New hires will have 30 days from their date of hire to enroll, with coverage retroactive to their hire date. Access Workday to enroll in benefits for the
first time as a new hire, request changes due to a qualified life event during the year or to make changes to your benefit elections during the firm’s
annual open enrollment. Instructions on the enrollment process in Workday can be found on the firm’s intranet under Human Resources.
MAKING CHANGES DURING THE YEAR The benefits you elect during your enrollment period remain in effect for the entire calendar year. No changes can be made un til the next open enrollment period unless you experience a qualifying change in status such as:
• marriage, divorce or legal separation
• birth or adoption (or placement for adoption) of a child
• involuntary loss of other group health insurance
• death of a dependent, or
• a dependent becomes covered under another policy
If you have a qualifying change in status, you must provide written notification, which includes date of qualifying event and benefits affected, to the
firm’s Human Resources Department within 30 days of the event and make your benefit election changes in Workday. You are required to inform
the firm if you were covering a spouse at the time of your divorce and anytime your covered dependent loses eligibility. The election changes you
make must be consistent with the event. For example, if you have a new child, you may add your child but you may not drop your spouse from
coverage. If you do not report your qualifying change in status within 30 days, no benefit changes will be allowed until the next open enrollment
period.
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YOUR MEDICAL BENEFITS You may choose the medical plan that is right for you from among four plans:
1. PPO Base Plan
2. PPO Buy-up Plan
3. HDHP with HSA Base Plan (High Deductible Health Plan)
4. HDHP with HSA Buy-up Plan (High Deductible Health Plan)
All four medical plans:
• Are administered by Blue Cross Blue Shield (BCBS) and use the BCBS PPO network of providers.
• Offer 100% coverage for preventive care services when using in-network providers.
• Cover expenses from providers both in and out of network, although you can expect to pay more when you use an out-of-network provider.
• Feature deductibles and coinsurance for medical care.
• Protect from catastrophic medical claims through an out-of-pocket maximum.
Importance of Using In-Network Providers
Utilizing medical service providers who are in-network is more cost-effective for you. In-network providers have agreed to provide eligible services at
a discounted rate. That means when you visit an in-network provider, you will not be billed for an amount over the agreed-upon discounted rate. The
plan also pays a higher percentage of coinsurance when you use an in-network provider.
If you use a provider who is outside the network, it is likely you will pay more for care. Out-of-network providers have not agreed to a set rate with
BCBS and are permitted to bill you for the difference between the amount allowed for a service by BCBS and the amount
the out-of-network provider decides to charge. This is sometimes referred to as “balance billing.” Additionally, the
plan requires you to pay a higher percentage of coinsurance for services provided by out-of-network.
Check the Network
Whenever you need medical care, check to see if your provider is in the BCBS network.
You can call 1.833.466.0177 or visit www.MyHealthToolkitFL.com.
Out-of-Network
In-Network
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The PPO Plans with Flexible Spending Account If you want a traditional medical plan in which you pay copays for doctor visits and prescription drugs and have the option to pay medical expenses
from a flexible spending account, you have two PPO Plan options to choose from:
1. PPO Base Plan. Your premiums for this plan are lower, but you will have higher deductibles and higher copays.
2. PPO Buy-up Plan. Your premiums for this plan are higher, but you will have lower deductibles to satisfy and lower copays to pay.
Consider whether you want to pay more for coverage throughout the year and less when you actually see a medical provider or whether you want to
pay more for coverage only if you need to see a medical professional.
How a PPO Plan Works
For in-network health care expenses, you will pay a copay for a doctor’s visit or for prescription drugs. Preventive services will be covered 100%.
The plan deductible and a coinsurance percentage will apply to all other services. After satisfying your deductible, the plan will pay 75% and you will
pay 25% for in-network services until the expenses you pay total the out-of-pocket maximum. Then, the plan pays 100% of your eligible in-network
services for the rest of the plan year.
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The High Deductible Health Plans with Health Savings
If you prefer an HDHP with an HSA in which you pay the full cost of
your health care and prescription drugs until you satisfy your annual
deductible and have the option to pay medical expenses from, or save
for future health care expenses in, a Health Savings Account, you have
two HDHP with HSA options to choose from:
1. HDHP with HSA Base Plan. Your premiums for this plan are
lower, but you will have higher deductibles to satisfy and a
higher coinsurance percentage.
2. HDHP with HSA Buy Up. Your premiums for this plan are higher, but
you will have lower deductibles to satisfy and a lower coinsurance
percentage.
How a High Deductible Health Plan Works
• You pay the full cost of your health care and prescription drugs
(except for preventive services) until your annual deductible is met.
The amount you pay for in-network services is the pre-negotiated
BCBS cost, not a copay. Preventive services are covered at 100% by
the plan.
• After satisfying your deductible, the plan will pay a percentage of your
eligible health care expenses (either 75% or 85% depending on which
HDHP you select) and you pay the rest until your out-of-pocket costs
satisfy the out-of-pocket maximum. Then, the plan pays 100% of your
eligible in-network expenses for the rest of the year.
• If you are enrolled in an HDHP with more than employee-only
coverage, the full family deductible must be met before coinsurance
will apply to any eligible expenses for any family member.
Choosing the Right Plan
The primary differences between PPO plans and HDHPs:
• Health Savings Account: Only HDHPs include an HSA that you can
use to pay eligible expenses or to save for future eligible expenses.
• Prescription Drugs: If you elect a PPO plan, you will pay a copay
for prescriptions. If you elect an HDHP, you will pay the full discounted
cost of your prescriptions until you meet your deductible, after which
you will pay a percentage of the cost called coinsurance.
• Medical Services: If you elect an HDHP, you will pay the full
discounted cost of medical services until you meet your deductible,
after which you will pay a percentage of the cost called coinsurance.
Now that you understand how the plans work, you can match the right
plan to your medical needs.
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High Deductible
Health Plan
Health Savings
Account
HDHP/HSA Options
Miranda Saves for the Future
Miranda doesn’t expect many health care expenses. She
plans to enroll in the Base HDHP and to add the money
she saves in payroll deductions to her HSA, which she
contributes to on a pre-tax basis.
“I’m enrolling in the Base HDHP because it costs less per
paycheck, has a Health Savings Account, and it offers
quality care if I need it.”
Brian Wants to Save on Taxes
Brian and his wife expect about $2,000 in out-of-pocket
medical expenses next year, as they are expecting a baby.
He plans on enrolling in the Buy-up HDHP and adding
$1,000 on a pre-tax basis to his HSA account.
“All it takes is a little planning to satisfy a higher deductible
and save on paycheck contributions.”
Mark Wants to Pay Less for Services
Mark and his wife Sandy are both fairly healthy and have
some but not many medical expenses each year.
“We prefer to keep our costs low for doctors’ visits and
prescriptions so we elected the PPO plan. Although we pay
a higher monthly premium we will pay less when we use the
plan.”
Preventive Care All four medical plans cover 100% of the cost of preventive care
services provided by in-network doctors and facilities, which means
you do not have to pay any copays or deductibles. Regular preventive
care visits and age-appropriate health screenings can help your doctor
identify potential health risks and may help you avoid a serious – and
costly – health issue down the road. These services include yearly
screenings and immunizations, including flu shots, as well as basic
family health needs. Skin cancer screenings will be covered under
preventive care. Take advantage of this valuable benefit. You can find
a schedule of covered preventive services on the intranet under
Human Resources.
Teladoc Health (Your anytime, anywhere doctor!)
Whether you are at home, at the office or on the road, you can access
quality health care conveniently and affordably through phone or video
appointments with board-certified physicians. You can seek medical
advice 24 hours a day, 7 days a week. Regardless of which medical
plan you choose, the cost for an appointment is $55 and will count
toward your maximum out-of-pocket amount.
Use your smartphone, tablet or computer to get a diagnosis and
treatment plan for nonemergency conditions such as:
• Cold or flu
• Bronchitis
• Ear infection
• Sore throat
• Poison ivy
• Insect bites
• And more!
If you are enrolled in a Holland & Knight medical plan, you can call
1.866.789.8155 or visit www.teladoc.com to register at no cost to you.
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In-Network Doctors/Facilities
No copays or deductibles for preventive care
services. All medical plans cover 100% of
in-network preventive care costs.
Use This Valuable Benefit
Preventive care/screenings help identify
potential health risks and future issues.
Learn More
The preventive schedule can be found on the
HR intranet page under Health & Welfare
Benefits > General Information.
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Blue Cross Blue Shield Global Core Health care coverage when you are traveling or living abroad
As a Blue Cross and Blue Shield member, you take your health care
benefits with you when you are abroad. Through the Blue Cross Blue
Shield Global Core program, you have access to doctors and hospitals
around the world. To take advantage of the program:
• Always carry your current member ID card
• Before you travel, contact your Blue Cross and Blue Shield (BCBS)
company for coverage details. Coverage outside the United States
may be different.
• If you need to locate a doctor or hospital, call the Service Center for
Blue Cross Blue Shield Global Core (1.800.810.2583). An
assistance coordinator, in conjunction with a medical professional,
will arrange a physician appointment or hospitalization if necessary.
• If you need inpatient care, call the Service Center (1.800.810.2583)
to arrange direct billing. In most cases, you should not need to pay
upfront for inpatient care except for the out-of-pocket expenses
(non-covered services, deductible, copayment and coinsurance)
you normally pay. The hospital should submit the claim to BCBS on
your behalf.
• In addition to contacting the Service Center, call your BCBS company
for precertification or preauthorization. Refer to the phone number on
the back of your member ID card (1.833.466.0177).
• For outpatient and doctor care or inpatient care not arranged through
the Service Center, you may need to pay upfront. Complete a Blue
Cross Blue Shield Global Core International claim form and send it with
the bill(s) to the Service Center (the address is on the form). You can
also submit your claim online or through the Blue Cross Blue Shield
Global Core mobile app. The claim form is available from your BCBS
company or online at www.bcbsglobalcore.com
Blue Cross Blue Shield Global Core To locate doctors and hospitals, or obtain medical assistance services
when outside the United States, call 1.800.810.2583 or call collect at
1.804.673.1177 or visit www.bcbsglobalcore.com.
Personal Care Connection Your health, your call. We’ll connect you with the solutions you need.
Serious illnesses, traumatic injuries or chronic conditions can be
overwhelming. When you feel your worst, you need the best care.
Personal Care Connection, offered through Blue Cross Blue Shield, is
a comprehensive clinical care management program aimed at
improving the quality of care across a broad range of conditions.
Through the Personal Care Connection program, you and your
dependents will have access to a registered nurse as a single point of
contact. This dedicated nurse works with you, your family members
and your doctors to coordinate your health care and help you make
informed decisions related to your medical condition. Your dedicated
nurse will remain with you throughout your treatment and has access to
medical directors, social workers, behavioral health clinicians,
registered dieticians and pharmacists to provide you with relevant
guidance and advice. If you are diagnosed with a serious illness or
chronic condition or suffer a traumatic injury, a nurse will reach out to
you to provide assistance. Alternatively, you can call a nurse directly at
1.833.466.0177 to request assistance. The firm covers the cost of this
service, which is available to all Holland & Knight employees and
dependents who are enrolled in the firm’s medical plan.
COMPARING YOUR 2022 MEDICAL PLAN OPTIONS
1 When enrolled in a family HDHP, the full family deductible must be met before coinsurance applies to eligible expenses.
Additional details are available in each plan’s Summary of Benefits and Coverage (SBC), which are posted on the intranet unde r Human Resources.
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CHOOSING THE RIGHT PLAN: Side-by-Side Comparison of What You Pay for Services
Feature
HDHP w/HSA
Base Plan
HDHP w/HSA
Buy-up Plan
PPO
Base Plan
PPO
Buy-up Plan
In-network Out-of-
Network
In-network Out-of-
Network
In-network Out-of-
Network
In-network Out-of-
Network
Plan Year Deductible
Individual:
Family: $2,750
$5,5001
$5,500
$11,0001
$1,800
$3,6001
$3,600
$7,2001
$1,200
$2,400
$4,800
$9,600
$ 900
$1,700
$2,500
$5,000
Coinsurance
You Pay:
Plan Pays:
25%
75%
35%
65%
15%
85%
35%
65%
25%
75%
50%
50%
25%
75%
35%
65%
Plan Year Out-of- Pocket Maximum
(includes Plan Year Deductible)
Individual:
Family:
$5,850
$11,700
$11,700
$29,250
$4,500
$9,000
$9,000
$18,000
$5,000
$10,000
$15,000
$30,000
$4,000
$8,000
$8,000
$16,000
Physician Services
Preventive Services $0
You pay
35% after
deductible
$0
You pay
35% after
deductible
$0
You pay
50% after
deductible
$0
You pay
35% after
deductible
Primary Care Physician Office Visit You pay
25% after
deductible
You pay
15% after
deductible
$50 $40
Specialist Physician Office Visit $60 $50
Behavioral Health
Inpatient Hospital Services
Outpatient Hospital Services
You pay
25% after
deductible
You pay
35% after
deductible
You pay
15% after
deductible
You pay
35% after
deductible
You pay
25% after
deductible
You pay
50% after
deductible
You pay
25% after
deductible
You pay
35% after
deductible
Emergency Room You pay 25% after
in-network deductible
You pay 15% after
in-network deductible
You pay $300 copay You pay $300 copay
Urgent Care Facility You pay
25% after
deductible
You pay
35% after
deductible
You pay 15% after
deductible
You pay 35% after
deductible
$60 copay You pay
50% after
deductible
$50 copay You pay
35% after
deductible
X-Ray and Lab Services You pay 25% after
deductible
You pay 35% after
deductible
You pay 15% after
deductible
You pay 35% after
deductible
You pay 25% after
deductible
You pay 50% after
deductible
You pay 25% after
deductible
You pay 35% after
deductible
Advanced Radiology Imaging
(MRI, MRA, PET, CT screenings)
You pay
25% after
deductible
You pay
35% after
deductible
You pay
15% after
deductible
You pay
35% after
deductible
You pay
25% after
deductible
You pay
50% after
deductible
You pay
25% after
deductible
You pay
35% after
deductible
Behavioral Health Inpatient Mental Health and
Substance Abuse
You pay
25% after
deductible You pay
35% after
deductible
You pay
15% after
deductible You pay
35% after
deductible
You pay
25% after
deductible You pay
50% after
deductible
You pay
25% after
deductible
You pay
35% after
deductible
Outpatient Mental Health and
Substance Abuse
You pay
25% after
deductible
You pay
15% after
deductible
$60 copay $50 copay
Provider Choice Use the provider of your choice.
Search for network providers in the BCBS network at www.MyHealthToolkitFL.com.
HSA Funding
(Holland & Knight Annual Contributions)
Individual:
Family:
Not available Not available $500
$1,000
$500
$1,000
Facility Services
Prescription Drug Benefits
Retail Pharmacy HDHP w/HSA
Base Plan
HDHP w/HSA
Buy-up Plan
PPO
Base Plan
PPO
Buy-up Plan
Up to 34-day supply Up to 34-day supply
Generic
Brand-name formulary
Non-formulary
Specialty drugs
All specialty medications (e.g.,
injectables) must be obtained
through ESI/Accredo
Specialty Pharmacy. .
Mail Order Pharmacy
Up to 90-day supply Up to 90-day supply
Generic $50 copay $30 copay
Brand-name formulary You pay 25% after
deductible
You pay 15% after
deductible
$90 copay $90 copay
Non-formulary $140 copay $130 copay
PRESCRIPTION DRUG BENEFITS When you enroll in a Holland & Knight medical plan, you automatically receive prescription drug coverage through Express Scripts (ESI). The
prescription drug plan has both retail and mail order features. If you take a maintenance drug (e.g., for blood pressure or high cholesterol) you can fill
your prescriptions through the mail order service at a lower cost.
Please note: Express Scripts will issue a separate member ID card for prescription drug coverage.
$25 copay $15 copay
$45 copay $45 copay
You pay 25% after
deductible
You pay 15% after
deductible
$70 copay $65 copay
25% up to
$125
25% up to
$125
HDHP w/HSA HDHP w/HSA PPO PPO
Base Plan Buy-up Plan Base Plan Buy-up Plan
Coverage Management Programs
Holland & Knight leverages coverage management programs offered by ESI that help to ensure that
prescription medications are being used safely and in accordance with the latest evidence-based guidelines
and are available at a reasonable cost. The programs include prior authorization, step therapy and drug
quantity limits, and are administered by ESI. The programs are common among prescription plans and are
familiar to physicians and pharmacists.
Prior authorization: some prescription medications will require preapproval before the prescription will
be covered by the plan.
Step therapy: some prescription medications will be covered by the plan only after the physician has tried
other recommended prescription medications or treatment options.
Drug quantity limits: the plan may cover a lesser quantity of some prescription medications than what the physician has prescribed.
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2022 EMPLOYEE COST TO PARTICIPATE IN MEDICAL AND RX PLANS Your cost to participate in a Holland & Knight medical plan is shown below. Contributions are made on a pre-tax basis unless you are covering
a domestic partner or a domestic partner’s children. Contributions for domestic partners and their children are made on an after-tax basis.
Please be advised that your compensation as of January 1, 2022, will determine your contribution for the entire year.
(*Note: If you are paid biweekly, deductions will now be taken from all 26 paychecks you receive in a calendar year.)
Salary: Under $75,000
Employee Only
Per biweekly pay period*
Monthly
HDHP Base HDHP Buy-up PPO Base PPO Buy-up
$10.15
$22.00
$35.08
$76.00
$35.08
$76.00
$62.31
$135.00
Employee + Spouse
Per biweekly pay period*
Monthly
$204.92 $276.00 $276.00 $345.69
$444.00 $598.00 $598.00 $749.00
Employee + Child (1-2)
Per biweekly pay period*
Monthly
$179.54 $240.46 $241.38 $301.85
$389.00 $521.00 $523.00 $654.00
Employee + Family or
Employee + 3 or more children
Per biweekly pay period*
Monthly
$280.62 $378.00 $378.00 $475.38
$608.00 $819.00 $819.00 $1,030.00
Salary: $75,000 - $149,999
Employee Only
Per biweekly pay period*
Monthly
HDHP Base HDHP Buy-up PPO Base PPO Buy-up
$36.00 $63.23 $63.23 $96.92
$78.00 $137.00 $137.00 $210.00
Employee + Spouse
Per biweekly pay period*
Monthly
$263.54 $349.38 $349.38 $426.46
$571.00 $757.00 $757.00 $924.00
Employee + Child (1-2)
Per biweekly pay period*
Monthly
$204.92 $269.08 $269.08 $337.38
$444.00 $583.00 $583.00 $731.00
Employee + Family or
Employee + 3 or more children
Per biweekly pay period*
Monthly
$340.15 $452.31 $452.31 $556.15
$737.00 $980.00 $980.00 $1,205.00
Salary: $150,000 and over
Employee Only
Per biweekly pay period*
Monthly
HDHP Base HDHP Buy-up PPO Base PPO Buy-up
$74.77 $102.92 $102.46 $136.15
$162.00 $223.00 $222.00 $295.00
Employee + Spouse Per biweekly pay period*
Monthly $331.38 $417.23 $417.23 $494.77
$718.00 $904.00 $904.00 $1,072.00
Employee + Child (1-2) Per biweekly pay period*
Monthly $243.69 $308.77 $307.85 $375.69
$528.00 $669.00 $667.00 $814.00
Employee + Family or
Employee + 3 or more children
Per biweekly pay period*
Monthly $408.46 $521.08 $521.08 $624.92 $885.00 $1,129.00 $1,129.00 $1,354.00
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HEALTH SAVINGS ACCOUNT How a Health Savings Account Works
Eligibility: To be eligible for an HSA, you must:
• Be enrolled in an HDHP
• Not be enrolled in Medicare
• Not be a dependent on another’s tax return
The contributions you make to an HSA are tax-free and are deducted
from your paycheck. You can use your HSA funds to pay for medical,
dental or vision expenses. You can also save the funds in your HSA
and carry them over from year to year to save for future health care
expenses. You will receive a debit card to pay eligible expenses. If you
do not have sufficient funds in your HSA to cover your expenses, you
will pay out-of-pocket and reimburse yourself when funds are available.
The account is yours to keep and control, even if you change plans,
leave the firm or retire. And you can designate a beneficiary for your
account. HSA Bank provides unique opportunities to invest HSA funds
in self-directed investment options, more information can be found by
visiting myaccounts.hsabank.com.
The Triple Tax Advantage of HSAs • Your contributions are tax-free, deducted from your paychecks
before taxes are withheld.
• You may invest the funds in your HSA and those earnings accumulate
tax-free.
• When you withdraw money from your HSA, it remains tax-free as
long as you are using the funds for eligible heath care expenses.
Holland & Knight Contributions: You are automatically enrolled in an
HSA when you elect coverage in an HDHP. HSA Bank will administer
your HSA. If you are enrolled in an HDHP for January 1, 2022, Holland
& Knight will contribute to your HSA:
• $500 contribution for employee-only coverage
• $1,000 contribution for family coverage
If you enroll during the calendar year, Holland & Knight will pro-rate the
firm’s contribution amount to your HSA based on the number of months
left in the calendar year.
Your Contributions: You can also contribute to your HSA up to the IRS
limit (which includes both your and Holland & Knight’s contributions):
• $3,650 for employee-only coverage
• $7,300 for family coverage
If you are age 55 or older in 2022, you may contribute an extra $1,000,
defined as Catch-Up Contribution. You can change how much you
contribute to your HSA account throughout the year during the first
week of any calendar quarter (January, April, July or October) by
contacting [email protected].
You will only have access to your HSA directly through HSA Bank’s
Member Website by visiting myaccounts.hsabank.com. This site
includes decision support tools, including an HSA savings calculator,
plan comparison tool, contribution calculator and more.
Important Information About HSAs and FSAs If you are currently enrolled in a PPO Plan and participate in a Health
Care FSA and move to an HDHP with an HSA, you must use the
balance in your FSA before December 31, 2021, or your FSA funds will
be forfeited. The grace period, as referenced on the next page for FSAs
does not apply in this instance. If you expect to have dental and vision
care expenses that you do not want to pay for from your HSA, you
may participate in a Limited Purpose Health Care FSA for only these
expenses. Please refer to page 12 for more information on Flexible
Spending Accounts.
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Health Care Flexible Spending Accounts You do not have to enroll in a Holland & Knight medical plan to participate in a Health Care FSA. If you choose to participate in a Health Care FSA,
see below for the type of Heath Care FSA that is right for you.
Health Care FSA
Which Health Care FSA Is Right for You?
Use for most medical, dental and vision
(only for participants in a PPO plan or care expenses (copays, deductibles,
participants enrolled in Medicare that have eyeglasses, prescriptions).
elected an HDHP) Up to $2,850
maximum annual
contribution Limited Purpose Use for most dental and vision care
Health Care FSA expenses (copays, deductibles,
(only for participants in an HDHP w/HSA) orthodontia) but not medical expenses.
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FLEXIBLE SPENDING ACCOUNTS Flexible spending accounts (FSAs) offer you a way to save money on your health care, dependent care, and transit and parking expenses. The
money you contribute to your FSAs is deducted pre-tax from your paycheck, lowering your taxable income. FSAs are easy to use and can help you
budget for expenses while saving money. You can choose to enroll in a Health Care FSA, a Limited Purpose Health Care FSA, Dependent Care
FSA and/or Commuter FSA (transit and parking). The FSAs are administered by Health Equity/WageWorks. The Health Care, Limited Purpose
Health Care and Dependent Care FSA contributions do not roll over from year-to-year and you must re-enroll online each year through
Workday in order to participate. No changes can be made until the next open enrollment period for the Health Care, Limited Purpose
Health Care and Dependent Care FSAs unless you experience a qualifying change in status. The Commuter FSA (transit and parking) does
not require you to re-enroll each year. Participation and contributions can be modified at any time during the calendar year as of the beginning of any
calendar month.
Dependent Care Flexible Spending Account Pay eligible day care expenses for your dependent child under age 13 or a disabled or senior dependent such as a parent who l ives with you and
needs care while you and your spouse are working or your spouse is in school. Eligible expenses include those for before- and after-school care, day
care and nursery schools, preschool programs and elder care. You can contribute up to $5,000 a year or $2,500 if you and your spouse file separate
tax returns.
Note: Please be aware in recent years that Holland & Knight has not passed the Non-Discrimination 55% Average Benefits Test on the Dependent
Care portion. Therefore, those electing Dependent Care and who are considered Highly Compensated Employees under the IRS rule s may have
adjustments to their Dependent Care elections.
Commuter (Transit and Parking) Flexible Spending Account The Commuter (transit and parking) FSA Program allows you to set aside pre-tax dollars to help defray some of your employment-related
transportation costs. You can set aside up to $280 a month ($3,360 a year) for reimbursement of transit expenses and up to $280 a month ($3,360
a year) for reimbursement of parking expenses. Elections are deducted on a monthly basis from your paycheck. You must make your election or
any changes to your election by the 10th of the previous month on the Health Equity/WageWorks website: www.wageworks.com (i.e., if you
are making an election for the month of March, you must submit your election by February 10).
Plan Carefully
Before making your FSA elections, estimate your expenses carefully. Any money remaining in your account after the cut-off date will be forfeited.
Holland & Knight offers a grace period to allow you more time to incur expenses against your FSA. You can continue to spend your 2022 FSA funds
after the end of calendar year 2022, until March 15, 2023. You have until March 31, 2023, to submit those expenses from your 2022 FSA funds.
If you are currently enrolled in a PPO plan with a Health Care FSA and move to a HDHP with an HSA, you must use the balance in your FSA before
December 31, 2021, or your FSA funds will be forfeited. The grace period for FSAs does not apply in this instance.
Money in the FSAs cannot be transferred from one account to the other, nor can funds from one account be used to cover expenses for another
account.
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DENTAL BENEFITS Dental benefits are provided through Delta Dental. With Delta Dental, you have
the choice of using either in-network or out-of-network providers. However, you will
save with lower out-of-pocket costs if you use a dentist in the Delta Dental PPO
network. In addition to you, your spouse (including domestic partner) and your
eligible dependent children to age 26 are all able to receive Dental benefits.
Dental Plan — Delta Dental
Annual Deductible Single: $50
Family: $100
Diagnostic and Preventive Care (oral exams, two cleanings a year, x-rays, biopsy/tissue exams, fluoride treatments, space maintainer)
Plan pays 100%; no deductible
(expenses do not count against the $1,500 calendar year maximum)
Basic Care (simple extractions, fillings, simple restorations, sealants, endodontics) Plan pays 80% after deductible
Major Care (crowns, jackets, cast restorations, bridges, partials and full dentures, denture repairs)
Plan pays 50% after deductible
Orthodontia (children and adults; up to $1,500 lifetime maximum)
Plan pays 50% after deductible
Annual Maximum Benefit (not including Diagnostic, Preventive and Orthodontia costs)
$1,500 per person
Dental Plan Contributions Your cost for the dental plan is shown below. Contributions are made on a pre-tax basis unless you are covering a domestic partner and/or their
children. Those coverage costs are made on an after-tax basis.
Per Biweekly Pay Period* Monthly
Employee Only $24.00 $52.00
Employee + Spouse $46.15 $100.00
Employee + Child (1-2) $43.85 $95.00
Employee + Family or
Employee + 3 or more Children $72.46 $157.00
* Note: If you are paid biweekly, deductions will now be taken from all 26 paychecks you receive in a calendar year.
Delta Dental To review covered benefits or locate a dentist near you who participates in the Delta Dental Network, call 1.800.521.2651 or visit www.deltadental.com.
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VISION BENEFITS Vision care benefits are provided through the VSP Choice network of providers. While you can see any eye doctor you wish, you ’ll pay more if you
use a provider outside the VSP Choice network. In addition to you, your spouse/domestic partner and/or your eligible dependent children to age 26
may be enrolled in Vision benefits.
Plan Feature VSP Provider Non-VSP Provider
Eye Exam
(every calendar year)
You pay $10 copay,
then plan pays 100% Reimbursed up to $40
Lenses
(every calendar year) single vision, bifocal,
trifocal, lenticular
You pay $25 copay, then plan pays 100%,
excluding out-of-pocket expenses
Reimbursed up to:
Single vision –$30
Bifocal – $40
Trifocal – $50
Frames
(every other calendar year)
You pay $25 copay, and plan pays 100%
up to $150, then you receive 20% off the
amount over the allowance
Reimbursed up to $50
Contact Lenses
(in lieu of lenses and frames, every calendar year)
Plan pays 100% up to $120; no copay
You pay $60 copay for contact lens
fitting and evaluation
Reimbursed up to $50
Laser Eye Surgery Laser VisionCare Preferred Program: Discounts available only from VSP contracted
facilities. $1,000 lifetime maximum for laser vision correction.
Vision Plan Contributions Your cost for vision coverage is shown below. Contributions are made on a pre-tax basis unless you are covering a domestic partner and/or their
children. Those coverage costs are made on an after-tax basis.
Per Biweekly Pay Period* Monthly
Employee Only $3.23 $7.00
Employee + Spouse $6.46 $14.00
Employee + Child (1-2) $6.46 $14.00
Employee + Family or
Employee + 3 or more Children $11.08 $24.00
*Note: If you are paid biweekly, deductions will now be taken from all 26 paychecks you receive in a calendar year.
Find a VSP Provider To locate a VSP provider near you, call 1.800.877.7195
or visit www.vsp.com (Group #30017442).
Please note: VSP does not issue ID cards. Your
vision provider should be able to verify your
coverage with VSP directly.
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MANAGING YOUR HEALTH CARE Health Advocate – Health Advocacy With the Health Advocacy Services you have unlimited, confidential
access to a Personal Health Advocate, who can get to the bottom of a
wide variety of health care and insurance-related issues.
Health Advocate – Employee Assistance Program If you find yourself in need of some professional support to deal
with personal, work, financial or family issues, the firm’s Employee
Assistance Program (EAP) through Health Advocate can help. You and
your immediate family (spouse or domestic partner, dependent children,
parents and parents-in-law) can use the EAP for help with:
Assistance through the EAP is confidential and provided by licensed
professional counselors and work/life specialists. Through the EAP, you
have access to up to three in-person, telephone or video confidential
counseling sessions, per issue.
Health Advocate is available to assist you 24 hours a day, 7 days a
week with Health Advocacy and EAP Services. To access
either the Health Advocacy Services or the EAP Services,
contact Health Advocate by phone at 1.866.799.2728, visit the website
at https://members.healthadvocate.com or email
[email protected]. For free, convenient and on-the-go
help, you can download Health Advocate’s Smartphone App.
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Employee Assistance Program (EAP)
Support with Personal, Work or Family
Issues: 24 Hours a Day, 7 Days a Week
Marriage and family problems
Job-related issues
Stress, anxiety and depression
Grief and loss
Parent and child relationships
Elder care and child care
Legal and financial counseling – free 30-minute telephonic
consultation with an attorney
with a financial specialist
You can use 3 in-person sessions per year/per issue
Health Advocate Services
Helping You Navigate the Health Care System:
24/7 Availability
Find network doctors, dentists, hospitals, other health care
providers and expedite appointments
Help you understand complex medical conditions,
research and locate the latest treatments, and facilitate
second opinions
Coordinate care and schedule follow-up visits
Arrange specialized treatments and tests; answer
questions about test results, treatments and
prescribed medications
Personal contact with a nurse and web-based
information to support treatment decisions
Clarify your benefits
Help resolve insurance claims and negotiate billing
Provide valuable information about the transition to
Medicare
Assist with elder care – from finding adult day care
or assisted living and other issues facing your elderly
relatives
Work with insurance providers to obtain prior approval for
services
Assist with the transfer of medical records, lab results
or X-rays
BEYOND MEDICARE Given the complexity of Medicare, it can be difficult to make an
informed decision about when and how to participate in Medicare
benefits. Beyond Medicare specialists can help you understand your
Medicare options and answer questions about eligibility, benefits, timing
of enrollment, Medicare Supplements, Medicare Cost Plans, Medicare
Advantage plans and plan costs. Beyond Medicare will work with you
to find the best coverage options available to you by comparing your
current medical benefits to those available through Medicare. Education
and one-on-one consultation are available, at no cost, to Holland &
Knight partners and employees who are age 60 or older.
To schedule an individual consultation with a Beyond Medicare
specialist, contact Beyond Medicare at 1.866.906.7346 or
[email protected]. Additional information about
Medicare and Medicare supplements can be found in the Beyond
Medicare booklet located on the intranet under Human Resources.
If, after reviewing your Medicare options, you decide to move from the
Holland & Knight medical plan to Medicare coverage, your dependents
may remain on the firm’s medical plan if they are not yet Medicare
eligible. You and your dependents can continue to participate in
the Dental and Vision benefits as well. For additional information,
please contact the Holland & Knight Benefits team at
BRIGHT HORIZONS (Legacy TK employees through 6/30/2022)
Bright Horizons offers quality backup child, adult and elder care when
your regular care is unavailable. You are eligible for up to 15 days of
back-up care (subject to applicable copays). You must register online
or by phone to use this service. Once you have completed the
registration process, you can make reservations whenever the need
for care arises. In addition, Bright Horizons also offers free access to a
database of nannies and sitters for evening and weekend care, elder
care resources, housekeepers and pet sitters. Other options include
preferred enrollment access and discounts for regular center-based
childcare. Test prep and tutoring for the SAT and ACT, standardized
tests, Common Core subjects and general help for your student is also
available.
CARE@WORK As a part of the Care@Work Program, Holland & Knight pays for you to
have a Care.com Membership at no cost to you. Backup Care is also
available for in-home or in-center help, whether you have an emergency
and need someone within the next 24 hours (they can locate help in as
little as 2 hours) or you need to schedule care in advance for holidays,
breaks or any other time you need a caregiver. Care@Work is not
just for children. It offers care for all ages, whether for children, teens,
adults or seniors. Backup Care for adults is available to your family and
your extended family. Holland & Knight covers up to 15 days of Backup
Care a year, and new parents can request an additional 5 days. Backup
Care’s subsidized rates are $8.00/hour for in-home or adult care, or
$15.00 per child per day at a child care center.
RETHINK DEVELOPMENTAL CHALLENGES Caring for a child with developmental challenges can be stressful; and
balancing a busy work schedule with finding treatment options can be
overwhelming. To help address these challenges, Holland & Knight
offers you support through Rethink, a web-based program and personal
coaching service that will help your child reach his or her fullest
potential. The Rethink program includes a comprehensive treatment
curriculum with over 1,500 video-based teaching steps, automated
progress tracking, printable lesson plans and teaching materials, peer
support and a platform that facilitates collaboration between you and
your health care team. You can register at
www.rethinkbenefit.com/hollandknight, complete an online
assessment and follow the customized learning plan. You can then
schedule a coaching session with an experienced clinician at no cost to
you.
Voluntary Benefits
You have the option of purchasing voluntary cancer, personal accident indemnity and/or personal hospital indemnity insurance through AFLAC.
• Cancer: Provides substantial cash for all types of cancer treatment and also provides a wellness benefit for early detection treatment
• Personal Accident Indemnity Plan: Benefits are payable for a covered person’s death, dismemberment or injury caused by a covered accident
that occurs on or off the job
• Personal Hospital Indemnity Plan: Provides cash for hospital confinement for sickness or injury
You pay for the cost of coverage on a pre-tax basis through payroll deduction. If you are interested in any of these coverages, contact the Holland & Knight Benefits team at [email protected] to be put in touch with the AFLAC representative for your location.
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AFLAC
For Questions About… Contact… Contact Information
CONTACT INFORMATION
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Refer to this chart for additional contact information about your Holland & Knight benefits. If you don’t know whom to call, contact
your local Office Manager or the Human Resources Benefits team at [email protected].
Cancer, Accident, Hospital Protection Insurance
Contact Jillian DeNisco at [email protected] or email: [email protected]
1.877.242.2732 https://clients.brighthorizons.com/hklaw
Care@Work 1.855.781.1303 https://hklaw.care.com
Dental Plan 1.800.521.2651 (Group #3847)
https://deltadentalins.com
Flexie Spending Accounts 1.877.924.3967 https://wageworks.com
Health Advocacy + Employee Assistance Program (EAP)
1.866.799.2728 https://members.healthadvocate.com email: [email protected]
HSA Bank 1.866.471.5946 https://myaccounts.hsabank.com/
Medical Benefits 1.833.466.0177 https://member.myhealthtoolkitfl.com
Medicare Information (available at no cost to Holland & Knight partners and employees age 60 or over)
1.866.906.7346
Teladoc Health 1.866.789.8155 https://www.teladoc.com
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Personal Care Connection 1.833.466.0177 https://member.myhealthtoolkitfl.com
Prescription Drug Benefits 1.855.785.6497 https://www.Express-Scripts.com
Rethink 1.877.988.8871 [email protected] www.rethinkbenefits.com/hollandknight
Vision Plan 1.800.877.7195 (Group #30017442) https://www.vsp.com
Bright Horizons (Legacy TK only)