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 Find Care at the top right of the home page.
    • To search as a guest, click Basic search as a guest, 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.
    • Learn about what the Pet Discount Plan offers.
  • Frequently Asked Questions (FAQs). Have questions about your benefits? Review our robust FAQs for detailed answers to common questions.
  • Health AdvocateTM. 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 CONTRIBUTIONSROTH CONTRIBUTIONS
FundingFunded with before tax dollars.Funded with after-tax dollars.
Tax BenefitsYou 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 RetirementYou 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.