Ready to Enroll

Before You Enroll

  • Figure out which health care plan makes the most sense for you. Use ALEX, the independent, fun and interactive benefits tool.
  • Review your current health care costs. Visit Your Benefits Resources (YBR™), available through My Total Compensation and Benefits.
  • Use tools to estimate your future costs. Visit Your Benefits Resources (YBR™), available through My Total Compensation and Benefits. From the YBR™ homepage, select Annual Enrollment. You’ll find tools to help you estimate your future costs, determine how much to contribute to a savings/spending account and compare the medical plans.
Don’t Know Where to Start?

Call your Citi Health Concierge.

When You’re Ready to Enroll

Take action between Monday, October 7 and Friday, October 25.


Make your elections and verify or add covered dependents by visiting Your Benefits Resources (YBR™), available through My Total Compensation and Benefits. Then, take the Live Well Health Assessment on the RedBrick Portal. To access the RedBrick Portal from My Total Compensation and Benefits, click “RedBrick Health (Health Assessment and Rewards)” on the top right of the page.

iconBy Phone

You also have the option to enroll by phone. Call the Citi Benefits Center via ConnectOne at 1 (800) 881-3938, 8:00 a.m. to 8:00 p.m. ET, Monday through Friday, excluding holidays. From the “benefits” menu, select the “health and insurance benefits as well as TRIP and spending accounts” option. If you’re outside the United States or Puerto Rico, call 1 (469) 220-9600.

Note: All family members must be listed as a covered dependent under each individual plan. When enrolling by phone, you must ask a Citi Benefits Center representative to “cover” each dependent.

What Happens if You Don’t Enroll?

Annual Enrollment is your opportunity to make informed benefits decisions for the 2020 plan year. If you don’t take action by October 25:

iconYou’ll Pay a Tobacco Penalty

If you’re currently enrolled in a Citi medical plan and don’t take action during your Annual Enrollment period, you’ll pay the tobacco penalty for the 2020 plan year, regardless of whether or not you use tobacco products.

If you don’t use tobacco, complete the Tobacco Free Attestation by the Annual Enrollment deadline by visiting Your Benefits Resources™ (YBR™), available through My Total Compensation and Benefits. You’ll see the attestation when you enroll in a health plan.

iconYou’ll Be Automatically Enrolled

You’ll be automatically enrolled in the same benefits coverage and at the same coverage level as in 2019. Also, employees in the Kaiser Mid-Atlantic and Georgia HMOs will default to the ChoicePlan 500 at the same coverage level.

iconYou Won’t Be Able to Contribute to a Spending Account for 2020

To contribute before-tax dollars to a spending account, you must actively enroll in these accounts each year. If you don’t enroll during Annual Enrollment, you may be eligible to enroll during the plan year if you experience a qualified change in status.

iconYour Health Savings Account (HSA) Contributions Won’t Begin On January 1, 2020

If you continue to be enrolled in the High Deductible Health Plan (HDHP) during the 2020 plan year and plan to contribute to an HSA, you must elect a goal contribution amount each plan year. Your 2019 plan year contribution election will not carry over into the 2020 plan year.

In order for your contributions to take effect on January 1, and to receive the entire Citi contribution for the 2020 plan year, you must make your 2020 plan year election by the Annual Enrollment deadline; however, you can enroll in or change your contribution to an HSA at any time during the 2020 plan year.

To qualify for Citi’s entire contribution (up to $500 for employee only coverage and up to $1,000 for all other coverage categories), you must also accept the terms and conditions by December 31, 2019. Note: Delays in establishing your HSA and accepting the terms and conditions may limit Citi’s contribution to your HSA.