accordion more details – Quick Find View

Before you enroll, use the resources available to make the most informed decision possible.

Anthem.com. Visit this website to see if your providers (physicians, labs and hospitals) are in the Anthem network.
- Go to Individual & Family at the top left of the home page.
- Under Care, click Find Care.
- To search as a guest, click Guests, select the care you’re searching for (e.g., Medical), your state, Medical (Employer-Sponsored), National PPO (BlueCard PPO) and then click the Continue button. Please note: Don’t be confused by “PPO” in the network name. It applies to the Hess Medical Plan.
Express-Scripts.com. Visit this website to see if your pharmacy is in the Express Scripts network.
- Once you’ve registered and logged in, click Find a Pharmacy from the menu under Prescriptions.
- Enter the ZIP Code or City/State where you wish to find a pharmacy.
- Click locate pharmacy. You’ll see a map, list, address and contact information.
The Hess Benefits Center at Empyrean. This website is where you go to enroll. It has your personal information, covered dependents, current and available benefit options and costs, and more.
The Hess Benefits Center at Fidelity. Visit this Fidelity site to access your Savings and Pension Plans, as well as your HSA.
Informational Videos. These short, informative messages help you get the most out of your benefits.
- Learn about key features of the Hess Medical Plan and the HSA.
- See examples of how Accident Insurance, Critical Illness Insurance and Hospital Indemnity Insurance work.
- Learn about our POWER UP wellness program.
- Get to know Virgin Pulse, our POWER UP wellness administrator.
- Learn about what Pet Insurance offers.
Frequently Asked Questions (FAQs). Have questions about your benefits? Review our robust FAQs for detailed answers to common questions.
Health Advocate^TM. Your Health Advocate can help you navigate enrollment and the health care system.
LiveHealth Online. Through LiveHealth Online, you can access a doctor through your computer or mobile device anytime of day, wherever you are.

Before-Tax or Roth?

There are two tax-advantaged ways you can contribute to the savings plan. You can make before-tax payroll deductions or after-tax “Roth” contributions. This chart can help you decide whether your contributions should be before-tax, Roth or a combination of both.

	BEFORE-TAX CONTRIBUTIONS	ROTH CONTRIBUTIONS
Funding	Funded with before tax dollars.	Funded with after-tax dollars.
Tax Benefits	You defer paying taxes; your balance grows tax free.	You pay taxes up front, but your contributions grow tax free.
Tax Treatment When You Withdraw The Money In Retirement	You pay taxes on before-tax contributions and earnings.	You pay no taxes on contributions or earnings if you’re at least 59½ (or you die, or you become disabled and you’ve held the Roth contributions for at least five years).
Why?	You think you’ll be in a lower tax bracket when you retire. You’re OK not knowing exactly what you’ll owe when you retire.	You think you’ll be in a higher tax bracket when you retire. You want the certainty of knowing exactly how much you’ll have in retirement.