2017 Open Enrollment

Open Enrollment is October 31–November 11, 2016. It’s time to take a moment and breathe. Think about what you need from Salesforce to be your best every day and adjust your benefits for the year ahead. Even if your or your family’s needs haven’t changed much in the past year, Open Enrollment is your chance to review all of the programs, tools, and resources available to you.

Take a little time to explore Salesforce benefits, and be sure to enroll in or make changes to your plans by November 11!

What's New for 2017?

We’re proud to announce several new programs to help you take even better care of yourself and your Ohana. Highlights include a new low-cost medical plan option, expanded infertility benefits (e.g. egg freezing and pre-implantation genetic screening (PGS)), experts to help you make more informed medical decisions, college assistance and more. See the details below.

Plan enhancements

We have a new Aetna medical plan!

We’re pleased to introduce a new health care option, the Aetna HDHP Standard plan. This is the first time we’ve been able to offer a free employee-only medical plan, with a significantly lower premium for any dependent level coverage. While this plan offers the same level of coverage as the HDHP plan that you are familiar with (now called the Aetna HDHP Premium plan), the differences are that the deductible and out-of-pocket maximum are slightly higher and there are no employer contributions to the HSA. See all the details in the 2017 Medical Plan Comparison Chart [PDF].

When you enroll in the HDHP Standard plan, Salesforce will automatically set up a Health Savings Account (HSA) for you, allowing you to set aside pretax money from your paychecks to use for eligible health care expenses whenever you want—in an emergency, when money is tight, or in retirement. With its triple tax advantages—no federal tax on deposits, earnings, or withdrawals—an HSA is a great way to save money on your health care.

Enhanced infertility benefit

Build your Ohana on your own terms. If you’re enrolled in one of our Aetna plans, you will have access to Progyny, a concierge fertility benefit designed to assist members who may need to pursue infertility treatment options, including egg freezing, pre-implantation genetic screening (PGS), and more.  When you use your infertility benefit with Progyny, Salesforce will cover 90%  of the costs after you reach your deductible (currently covered at 50%). You’ll also have access to a network of 350+ clinic locations across the US. Your Progyny concierge team of nurses, genetic counselors, and Patient Care Advocates (PCAs) are here to decrease time to pregnancy, reduce miscarriage and apply the best practices for a healthy baby.

Review the Progyny brochure [PDF] for more information, and call 1-888-461-5067 to speak with a patient care advocate.

Surrogacy benefit

This program provides financial assistance for up to $10,000 per lifetime to help with the expenses associated with using a surrogate to assist in carrying and giving birth to a child.

More support for our Ohana with Life Insurance

Good news! We’re increasing our Basic Life Insurance coverage—at no cost to you. You’ll now receive two times your target earnings, up to $1.5 million. Please be sure to review your beneficiaries in Workday during Open Enrollment and make updates if needed.

… And our existing medical plans are getting even better!

The Aetna medical plans will now cover a few new treatments:

  • Non-surgical TMJ treatment to help repair the joint’s function
  • Enhanced gender reassignment coverage: Gender reassignment surgery now covers facial feminization! 

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New programs

Expert Medical Opinion

A highly specialized Expert Medical Opinion service gives employees facing severe and chronic health conditions access to world-class specialists so they can make informed decisions about their health. This service will be available in Q1 of FY18.

College Coaching

Bright Horizons’ College Coach program provides you and your family with a variety of educational advising services. Get valuable content to support your child’s academic journey with live webinars, personalized assistance and the Learning Center. You’ll also walk away with tips and tools to understanding academic motivation, the college admissions process and strategies around college financing. 

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Changes to existing program

A few tweaks to medical plans: Deductibles for out-of-network care are increasing for the Aetna PPO plan. See all the details in the 2017 Medical Plan Comparison Chart [PDF].

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2017 monthly medical, dental and vision costs

The following is your monthly share of the costs for coverage in 2017. Remember, it’s a pretax deduction, which reduces your taxes and saves you money!

Medical

 

Aetna HDHP Standard (New plan)

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

N/A

$0

N/A

EE + Spouse or Domestic Partner

N/A

$65.00

N/A

EE + Children

N/A

$57.50

N/A

EE + Family

N/A $112.50 N/A

 

 

Aetna HDHP Premium (Original plan)

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$35.00

$45.00

$10.00

EE + Spouse or Domestic Partner

$120.00

$130.00

$10.00

EE + Children

$104.92

$115.00

$10.08

EE + Family

$205.00 $225.00 $20.00

 

 

Aetna PPO

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$80.00

$82.00

$2.00

EE + Spouse or Domestic Partner

$242.14

$248.00

$5.86

EE + Children

$220.13

$226.00

$5.87

EE + Family

$399.71 $410.00 $10.29

 

 

Aetna HMO

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$100.00

$103.00

$3.00

EE + Spouse or Domestic Partner

$270.50

$277.00

$6.50

EE + Children

$245.91

$252.00

$6.09

EE + Family

$436.04 $447.00 $10.96

 

 

Kaiser CA and OR

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$70.54

$71.00

$0.46

EE + Spouse or Domestic Partner

$204.94

$205.00

$0.06

EE + Children

$186.31

$187.00

$0.69

EE + Family

$323.91 $324.00 $0.09

Dental

 

Dental

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$5.00

$5.00

No change

EE + Spouse or Domestic Partner

$30.00

$30.00

No change

EE + Children

$27.00

$27.00

No change

EE + Family

$50.00 $50.00 No change

Vision

 

Vision Basic

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$0.00

$0.00

No change

EE + Spouse or Domestic Partner

$0.00

$0.00

No change

EE + Children

$0.00

$0.00

No change

EE + Family

$0.00 $0.00 No change

 

 

Vision High

Coverage Type

2016 Cost

2017 Cost

Difference

EE Only

$8.00

$8.00

No change

EE + Spouse or Domestic Partner

$17.00

$17.00

No change

EE + Children

$15.00

$15.00

No change

EE + Family

$25.00 $25.00 No change

Supplemental Life Insurance rates per employee per $1,000

Age Band 2017 Rates
< 25 $0.040
25-29 $0.040
30-34 $0.040
35-39 $0.060
40-44 $0.080
45-49 $0.130
50-54 $0.210
55-59 $0.400
60-64 $0.640
65-69 $1.150
70-74 $1.890
75+ $1.890

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Things to consider

Open Enrollment is also the time of year to enroll or re-enroll in your Flexible Spending Accounts (FSA). Here are a few reasons you should consider enrolling:

  • You save even more money. You never pay taxes on the dollars you set aside in an FSA, so it’s a win-win way to save cash.
  • It’s easy to use. The Health Care FSA comes with a debit card that you can use at the doctor’s office, pharmacy, or other health care provider.
  • The app makes it even easier. Download the EZ Receipts mobile app from WageWorks to easily manage your FSA account(s). You can check your balances, submit claims, and take photos of receipts in a snap!

Salesforce offers three types of FSAs:

  • The Health Care FSA allows you to set aside up to $2,550 in 2017 (same as 2016) to cover eligible health care expenses for yourself and your dependents. Note: You’re ineligible to re-enroll in this kind of FSA if you’re contributing to an HSA.
  • The Limited Purpose FSA allows you to set aside $2,550 in 2017 (same as 2016), when you enroll in the Aetna HDHP plan, to pay for qualified dental and vision expenses.
  • The Dependent Care FSA allows you to set aside up to $2,500 in 2017 (same as 2016) to cover eligible child care or adult day care expenses.

This is also a great time to make sure you’re maximizing the HSA—a personal savings account that you can use for health care.

Why take advantage of it?

  • You get free money. When you enroll in the Aetna HDHP Premium plan, we will contribute $750 into it if you cover just yourself, and $1,500 if you cover one or more family members.
  • It’s flexible. Use the money now to pay for eligible medical expenses. Or, save it for your future health care needs and let the balance grow.
  • The money is yours to keep—forever. That’s right. You can take your HSA with you if you leave Salesforce or when you retire.
  • There’s no “use it or lose it.” The HSA has no “use it or lose it” rule, unlike the Health Care Flexible Spending Account, so your account balance rolls over each year.
  • Enjoy many tax advantages. Pay no federal tax on deposits, earnings, or account withdrawals.

Don’t forget that you can always save money—and a trip to the doctor’s office—with Teladoc. Through Teladoc, you can see a board-certified doctor, by phone or online video, for minor health issues. (Registration is required before using the service. Available to Aetna members only).

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Enrollment checklist

First, check out one of these health fairs if you are nearby.

Location Date Time
San Francisco Wednesday, November 2, 2016 11 a.m.– 4 p.m.
Chicago Tuesday, November 8, 2016 11:30 a.m.–1:30 p.m.

Then, get ready to enroll! Starting October 31, you can:

  1. Log in to Workday via Aloha (VPN required).
  2. Review your medical, dental, and vision plans to make sure they’re still right for you and your family.
  3. Reset your Flexible Spending Account (FSA) and health savings account (HSA) contributions if you want to continue participating in 2017.
    Note:
    • If you’re enrolled in the HDHP/HSA plan, you can only enroll in the Limited Purpose FSA, which can be used for dental and vision expenses.
    • If you have a current Healthcare FSA and will be enrolling in the HDHP/HSA plan in 2017, keep in mind that you will want to spend all of the money in your account by December 31, 2016. If you fail to spend your Healthcare FSA by December 31, 2016, you will delay the opening of your HSA until April 1, 2017.
  4. Review your life insurance beneficiaries and make any necessary changes.
  5. Enter the Social Security Numbers (SSNs) of your dependents. The Affordable Care Act requires SSNs for every individual, including dependents covered under our benefits plans. Note: If you have missing SSNs for your dependents, you’ll receive a weekly email from workday_support@salesforce.com requesting that you take action until you add their SSNs into Workday. We don’t want to send it and you don’t want to get it, so have all SSNs ready this Open Enrollment.

Questions? Log a case in Concierge via Salesforce1 or Aloha Single Sign On (VPN required) or call 1-855-376-5627.

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