Medical

Your in-network preventive care will be covered at 100% with no out-of-pocket cost to you and is not subject to a deductible. This includes annual physicals, well-child checkups, immunizations, flu shots and cancer screenings, as well as certain preventive prescription medications.

If you visit an in-network provider, you will need to meet an annual in-network deductible of $500 individual/$1,000 family before any benefit will be paid. Once you meet your deductible, the plan will pay 80% of covered in-network expenses. Note: Deductible expenses cross-apply between in-network and out-of-network limits.

Coinsurance refers to the portion of a covered expense that you pay after you have met the deductible. For example, if the plan pays 80% of certain covered expenses, you will pay the remaining 20%, which is your share of the costs.

The in-network out-of-pocket maximum is $3,000 individual/$6,000 family. This amount represents the most you will have to pay out of your own pocket in a calendar year for in-network services. Once the out-of-pocket maximum has been satisfied, no additional in-network medical copays will apply for the remainder of the plan year. Note: Your prescription drug copays are subject to a separate out-of-pocket maximum.

Your in-network preventive care will be covered at 100% with no out-of-pocket cost to you and is not subject to a deductible. This includes annual physicals, well-child checkups, immunizations, flu shots and cancer screenings, as well as certain preventive prescription medications.

There are different annual deductibles for in-network and out-of-network care that accumulate separately:

• For individual coverage, you must meet the annual deductible of $1,800 for in-network and $2,800 for out-of-network care.
• For coverage levels other than individual coverage, all eligible family members contribute toward the family deductible. Once you meet the family deductible of $3,600 for in-network care or $5,600 for out-of-network care, the Plan will pay each eligible family member’s covered expenses based on the coinsurance level.

Once you meet your annual deductible, you and the Plan share any further costs through coinsurance until you meet your out-of-pocket maximum. Generally, for in-network care, you pay 20% and the Plan pays 80%.

The Plan limits the amount you have to pay each year for medical care. Your out-of-pocket maximum is $5,000 individual/$10,000 family (out-of-network $7,500/individual and $15,000/family).

Each of your covered family members has an individual out-of-pocket maximum of only $6,850 for in-network coverage. After reaching that amount, your plan will cover 100% of that individual's in-network health care expenses for the rest of the year.

The HSA is available to employees who participate in the High Deductible Health Plan (HDHP). It allows you to pay for eligible health care expenses, including your deductible, with tax-free dollars — and Citi will contribute money into your HSA each year that you are eligible.

Note: You should consider the HSA when you’re planning for retirement. Your unspent HSA dollars carry over year after year — you will never lose them. That means you can use your HSA to accumulate tax-free health spending money over time — you can take it with you if you leave the company, and you can even use it for health expenses in retirement.

When in doubt, start with your personal Citi Health Concierge as your first call. Available through your health plan, your Citi Health Concierge can provide personalized support and guide you to the right resources when you need them, so you get the most out of all your Citi benefits – even if your question isn’t specific to your medical coverage.

If you elect the High Deductible Health Plan or ChoicePlan 500, your Citi Health Concierge will be there to help with:

• Estimating medical costs, finding a doctor or getting a new medical ID card
• Support if you’re diagnosed with a new medical condition
• Backup childcare or elder care referrals
• If you’re overwhelmed and need help finding resources

You can contact your Citi Health Concierge by calling the phone number on your medical ID card.

Get help from ALEX — the independent, fun and interactive benefits tool to help you pick the right medical plan.

Having a primary doctor is the first step in maintaining better health and saving on health care costs. It’s more than just having a doctor you see for minor health issues.

It’s about having a partner who knows your medical history and your family background, who can make sure you get the age-appropriate preventive care you need and who can help you find a specialist if you need one. Prepare for your visit with your primary doctor:

• List the things you want to discuss (symptoms, dietary habits, health history, family background or other questions).
• Prepare a list of your medications, allergies and other doctors you see.
• Bring your medical ID card.
• Ask your doctor to submit your lab work to an in-network Aetna or Anthem lab.
• Create a list of common questions you can ask your doctor whether you’re getting a checkup, talking about a problem or health condition, getting a prescription or discussing a medical test or surgery.

There are two ways to find a primary doctor:

1. Aetna and Anthem — Citi’s medical plan carriers — both provide credentials, certifications and quality ratings to help you choose the right in-network doctor. Ask if your doctor accepts Aetna or Anthem insurance or find one who does.
2. Grand Rounds works with top doctors and specialists across the country and identifies the highest quality physicians for your unique needs.

Stay in-network to keep all your health care costs as low as possible, including physical, mental health, and related lab work and/or testing. Your Citi medical plan pays higher benefits for in-network services, and you pay less out of pocket. To find an in-network doctor:

• Aetna: select the Aetna Open Access, Choice POS II Open Access Plan, or call 1 (800) 545-5862.
• Anthem BlueCross BlueShield: Access an in-network provider through the BlueCross BlueShield Association BlueCard^® PPO Program, select “Find a Doctor” or call 1 (855) 593-8123.

If you use out-of-network doctors, you will pay more, and you may be required to submit claim forms. Visit Your Benefits Resources™ (YBR™), available through My Total Compensation and Benefits to access the Find a Provider tool.

Are you doing all you can to stay healthy? Take advantage of the Live Well at Citi Program to earn Live Well Rewards while taking actions to improve your health. And remember, in-network preventive care, including certain preventive prescription drugs, is covered at 100% with no cost to you. Getting your annual physical and any recommended screenings or immunizations can help detect any issues early on and potentially prevent more serious and costly conditions from developing.

When you need immediate medical care and your doctor isn’t available, you have different alternatives to the emergency room that provide quality care, save time and cost less. Consider urgent care centers and telehealth (telephone or video appointments with a doctor, psychologist or therapist from your home or work).

• Be prepared: know where and how to access these services to save time and money. Once you’ve met your annual deductible, your Citi medical plan will pay a percentage of these costs.
• Download the Aetna mobile app or Anthem mobile app to find nearby urgent care centers.
• Visit the Teladoc website (Aetna) or LiveHealth Online website (Anthem) for more information on telehealth.* Be sure to register for telehealth now so you have quick access to care when you need it.
• Take the Right Place to Get Care quiz.

1. Use generic drugs when possible. Requesting generic prescriptions is one of the easiest ways to potentially save money on your overall medical costs. When you’re prescribed a drug, always ask your doctor if there is a generic alternative.
2. Check if your preventive drugs are covered. The HDHP covers the cost of certain preventive drugs without having to meet a deductible. You will pay the applicable copay or coinsurance, which will count toward your combined medical and prescription drug out-of-pocket maximum. For a list of these preventive drugs, call CVS Caremark at 1 (844) 214-6601. You can also visit www.caremark.com.
3. Go to a network pharmacy. You can go to one of the thousands of pharmacies nationwide that participate in the CVS Caremark network. If you go to an out-of-network pharmacy, you will pay the full cost yourself, and then you can file a claim to be reimbursed at the contracted rate after you meet your deductible and pay the applicable copay.

Since the Plan won’t start sharing in the cost of your services until you meet your deductible, it’s in your best interest to shop around before choosing a doctor. Different medical practices, hospitals may charge different fees and offer a different level of service.

• Visit Your Benefits Resources, available through My Total Compensation and Benefits, to access the Medical Expense Estimator.
• Use the Health Advocate Health Cost Estimator+ (HCE+) tool to compare the costs of dozens of common health care services and procedures by zip code. A personal Health Advocate representative will research the service you need and provide a personalized report.*

If you or your family member has a chronic condition, such as diabetes, asthma or lower back pain, it’s very important to follow through on the course of treatment. If you are invited to participate in the Live Well Chronic Condition Management Programs, a health care professional will partner with you to help you better manage any chronic conditions and potentially lead a healthier life. You can also earn Live Well Rewards for participating.

The HSA is available to employees who participate in the High Deductible Health Plan (HDHP). It allows you to pay for eligible health care expenses, including your deductible, with tax-free dollars — and Citi will contribute money into your HSA each year that you are eligible to help cover out of pocket expenses. Citi will contribute to your HSA up to $500 for individual coverage or up to $1,000 for any other coverage level.

If you are enrolled in a Citi medical plan option, you have access to fertility support benefits through Aetna and Anthem. For more information, visit the Fertility Support page.

Use a Center of Excellence (COE) if you or a covered family member is faced with needing a bariatric, cardiac or transplant procedure. To learn more, review the Benefits Handbook.