COVID-19 and Your Prescription Drug Benefits
Testing Kits
Express Scripts members are eligible to receive up to eight at-home COVID-19 tests at the pharmacy counter every 30 days for a $0 copay. Learn more.
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COVID-19 and Paying for Child Care and Elder Care Expenses
You have until December 31, 2022, to spend your 2021 DCFSA balance. This gives you an additional full year to use your 2021 DCFSA money.
In 2022, annual contributions to your DCFSA will revert back to $5,000 ($2,500 if married and filing separate income tax returns).
1. Review What’s Changing
Most of your benefits will remain the same for 2021 but there are a few changes and enhancements.
Cost of Coverage
You can view your 2021 costs for each benefit plan at empyrean.hess.com. Here’s a review of what’s changing for 2021:
- Medical and Dental Plan Rates—will stay the same in 2021. Keep in mind that because there will be 26 pay periods instead of 27, the rates will look slightly higher per pay period.
- Optional Life Insurance Rates—are increasing for you (by 8.3 percent) and your spouse (by 7.5 percent).
Health Savings Account (HSA)
IRS contribution limits are increasing, so you can contribute more to your HSA in 2021:
| 2021 IRS Contribution Limits | |
|---|---|
| Employee Only | $3,600 ($50 increase) |
| Employee + One and Employee + Family | $7,200 ($100 increase) |
Health Management Programs and Medical Plan Features
We’re adding some health management programs and medical plan features that can improve your well-being and stretch your health care dollars. There are no elections required for these programs during Benefits Open Enrollment. You use them when you need them. Look for more information about them in 2021.
- To help control blood sugar levels, Livongo offers a digital diabetes management solution. If you enroll in the program, you’ll receive a glucose meter, unlimited test strips and lancets, as well as educational materials and access to expert coaches. Your glucose meter automatically uploads your blood glucose readings to your member portal on the Livongo website. The meter also provides graphs, insights and real-time tips on how to improve your blood sugar numbers. If you’re enrolled in the Hess Medical Plan, this program is free to you and your enrolled family members age 18 and up. Learn more.
- For help managing chronic back and joint pain without traditional physical therapy, Hinge Health offers a digital approach. If you enroll in the program, you’ll receive a wearable sensor that sends information to a tablet where you can learn how to do exercises to alleviate your pain or discomfort. Educational materials are also available, and you’ll have access to a coach. If you’re enrolled in the Hess Medical Plan, this program is free to you and your enrolled family members age 18 and up. Learn more.
- Individuals looking to expand their family can get help with the WINFertility family-building program provided by Anthem. The program offers access to quality fertility treatment, trained nurse professionals as well as information about testing and medication options. Learn more. Or, contact WINFertility at 1-866-217-9482, or go to winfertility.com.
- Health care facilities and providers recognized for their expertise in delivering specialty care are designated as Anthem Blue Distinction Centers. When you use an Anthem Blue Distinction Center for knee or hip replacements or spinal surgery, the plan pays higher benefits—you pay only 10% of the surgery cost (after you’ve met your deductible). For more information, call Anthem Member Services at 1-800-854-1834 or go to anthem.com.
COVID-19 Virgin Pulse Resources
Adjust to a New Normal
Virgin Pulse has teamed up with five key partners to help support your well-being during the COVID-19 crisis. These tools are free to use through May 31, 2020:
- Aaptiv—Access to thousands of at-home cardio and relaxation classes created and guided by world-class certified trainers.
- Enrich—Financial resources to help keep your finances in good health during this uncertain time.
- Whil—A daily menu of mini-courses to manage stress, anxiety, mental well-being and sleep issues.
- meQuilibrium—Simple, effective tools to manage uncertainty, stress and anxiety with daily moments of calm and reassurance.
- Zipongo—A digital nutrition platform that connects you with food delivery, immune-boosting recipes and help to avoid over-snacking while staying at home.
COVID-19 and Your Medical Benefits
Hess Medical Plan
COVID-19 testing is covered at 100 percent through the Hess Medical Plan when you have a doctor order a test for you.
Over-the-counter (OTC) COVID-19 testing kits from in-network pharmacies are now covered through Express Scripts. Members are eligible to receive up to eight at-home COVID-19 tests at the pharmacy counter every 30 days for a $0 copay. Learn more.
Anthem Resources
Evaluate Your Symptoms
Use Anthem’s COVID-19 Symptom Assessment tool based on CDC recommendations to better assess whether you may have contracted COVID-19.
CDC Resources
Find COVID-19 vaccines near you.
How do I designate a beneficiary?
You must designate a beneficiary for your HSA to ensure that, in the event of your death, the benefits are distributed according to your wishes. To designate or change beneficiaries for your HSA, log in to netbenefits.com > at the top right, click your Profile & Settings icon > then scroll down to Beneficiaries.
How do I file a claim?
Log into wageworks.com > click View Claims & Payments > click Submit Receipt or Claim. You’ll have the option to Pay Me Back or Pay My Provider. You can also call WageWorks at 1-877-924-3967 for assistance.
Can I take my money with me if I leave Hess?
Yes. Your HSA belongs to you, and you may leave it with Fidelity.
Can I use HSA money next year if I waive coverage?
Yes. You can continue to use the HSA money for eligible health care expenses. However, you cannot contribute to the HSA when you are no longer covered by a high deductible plan.
Can I lose the money?
No. The money in your HSA will roll over from year to year and is yours to keep.