LGBTQIA+ Inclusive Benefits

Your Aetna or Anthem Citi Health Concierge is available to provide help if you need assistance understanding and using your benefits, such as:

• Confirming coverage
• Finding providers
• Requesting prior authorization
• Understanding bills and claims

To contact your Citi Health Concierge:

• Aetna Citi Health Concierge: Call 1 (800) 545-5862
• Anthem Citi Health Concierge: Call 1 (855) 593-8123

Health Advocate: In addition to your Aetna or Anthem Citi Health Concierge, you have access to independent support through Health Advocate. This free service is available to all Citi employees, even if you aren’t enrolled in a Citi medical plan.

Your Health Advocate will advocate for you and your covered family members and can help you:

• Navigate the health care system
• Resolve billing or claims issues
• Submit appeals
• And much more

To contact Health Advocate:

• Call 1 (866) 449-9933

Both legal spouses and domestic partners/civil union partners, as well as their children, are eligible to be covered by Citi’s:

• Medical, dental and vision plans
• Savings and spending accounts
• Group Universal Life (GUL)
• Supplemental AD&D

You must submit a domestic partner coverage application or your registration of partnership when enrolling your domestic partner. If your domestic partner qualifies as a tax dependent, their coverage is treated the same as a legal spouse, with no tax implications for you.

Gender affirmation services for individuals with diagnosed gender dysphoria are covered in most cases when determined to be medically necessary based on the clinical guidelines set forth by the World Professional Association for Transgender Health (WPATH) Standards of Care.

Services covered under Citi’s medical plans include:

• Hormone therapy*
• Puberty suppression*
• Voice modification and communication therapy
• Genital surgery and surgery to change secondary sex characteristics**
• Reconstructive and complementary procedures, including pectoral implants, gluteal augmentation, hair removal and many others**

Review specific details under “Gender Affirmation Services” in the Citi Benefits Handbook.

Call your medical plan’s Citi Health Concierge before obtaining gender affirmation services to confirm coverage and ask about the need for prior authorization related to health care:

• Aetna: 1 (800) 545-5862
• Anthem: 1 (855) 593-8123

*Generally covered under your medical plan’s pharmacy benefit. For questions about your prescription coverage, or to determine whether your medication requires prior authorization, call CVS Caremark at 1 (844) 214-6601 or visit the CVS Caremark website. (Note: Prescription drug benefits for HMOs are provided through the HMOs. Contact your HMO for information about its pharmaceutical coverage.)

**Short-term Medical Leave: If you need time away from work to recover from transition-related procedures, the Family and Medical Leave Act (FMLA) applies, entitling eligible employees to take a job-protected, medically necessary leave. Your Employee Medical Leave (EML) would run concurrently with short-term disability (STD) benefits, which provide income replacement during your leave.

All preventive care based on biological needs is covered in full regardless of gender assigned at birth. Covered preventive services include:

• Annual OB/GYN exams
• Annual primary care physician exam
• Vaccinations as applicable based on medical guidance (including monkey pox vaccine, etc.)
• HIV prevention, including HIV testing and pre-exposure prophylaxis (PrEP) injectable treatment

Visit the Citi Benefits Handbook for more details on all the services covered by your Citi medical plan.

Coverage for fertility treatment is available to all employees and eligible dependents enrolled in a Citi medical plan, regardless of sexual orientation, gender, gender identity or expression. An infertility diagnosis is not required.

Comprehensive fertility services are covered, up to a lifetime maximum of $24,000 for medical services and $7,500 for prescription drugs), including:

• Ovulation induction
• Intrauterine insemination
• In-vitro fertilization (IVF) cycles
• Cryopreservation
• Embryo transfer
• Many other advanced reproductive technology (ART) services

Review specific details under “Infertility Treatment and Cryopreservation” in the Citi Benefits Handbook.

Call your medical plan’s Citi Health Concierge before obtaining any of these services to confirm coverage and ask about the need for prior authorization:

• Aetna: 1 (800) 545-5862
• Anthem: 1 (855) 593-8123

Citi employees are eligible to receive reimbursement of up to $30,000 per family (lifetime maximum) to help with eligible expenses related to growing your family through adoption or use of a surrogate.

Eligible expenses include:

• Adoption agency and placement fees
• Adoption-related travel (including lodging)
• Legal and court fees associated with the adoption or surrogacy
• Temporary foster care expenses during the adoption process
• Medical expenses not otherwise covered by any medical plan associated with the adoption or surrogacy

Learn more about Citi’s surrogacy and adoption benefits.

Regardless of your sexual orientation, gender, gender identity or expression, parental and family leave benefits are offered to all new parents.

• Paid Pregnancy Leave (PPL) – paid job-protected leave for eligible employees who are birth parents to a newly born child.
• Paid Parental Bonding Leave (PBL) – if not otherwise eligible for PPL, paid job-protected leave for eligible employees who will be parents in connection with the birth or adoption of a child.
• Child Care Leave (CCL) – unpaid job-protected leave to care for or bond with the same child for whom PBL was taken.

Learn more about Citi’s family leave benefits.

Be Well counselors trained in LGBTQIA+ issues can offer free, confidential support to help you feel comfortable and manage issues related to your sexual orientation and gender identity. In addition, online resources are available to help you through various situations, including coming out, telling loved ones about your sexuality, supporting coworkers and more. There are also dedicated resources for managers who want to support LGBTQIA+ employees or foster an inclusive culture at work.

Through BetterHelp, you can receive free virtual sessions with a therapist you select based on attributes important to you, such as gender, sexual orientation, age, ethnicity and area of expertise. BetterHelp's Pride Counseling gives you access to therapists who specialize in LGBTQIA+ issues. Your Citi benefits allow you to have up to five virtual sessions or five weeks of asynchronous texting at no cost. BetterHelp services offer the convenience and confidentiality of phone, video or text-based counseling.

Your Citi medical plan provides coverage for the evaluation, diagnosis and treatment of mental health conditions from mental health professionals. Covered services include both outpatient and inpatient care. Depending on your plan, the deductible, coinsurance or copays would apply.

Short-term disability (STD) and long-term disability (LTD) benefits are provided for medically necessary time away from work, including to recover from gender affirmation surgery and other related procedures.

You may have specific questions related to your personal circumstances. Citi offers several options to support you:

• Alight Financial Advisors (AFA) are available by phone at no cost to you. Call ConnectOne at 1 (800) 881-3938 and select Benefits > 401(k) Plans > Contact an advisor regarding investment advice and financial guidance. Advisors are available 9 a.m. to 9 p.m. ET, Monday through Friday.
• The Be Well Program can connect you a financial professional for a complimentary 30-minute consultation. Call 1 (800) 952-1245 any time of day or night.

With MetLife Legal Plans, you have unlimited access to experienced in-network attorneys by phone, in person or by email to assist you with a wide range of legal matters, including:

• Changing your name and/or gender on legal documents
• Consultation on forming/dissolving domestic partnerships
• Co-owning real estate
• Estate planning
• Consultation on resolving custody disputes

In addition, the Be Well Program can connect you an attorney for a complimentary 30-minute consultation. This service is available to all Citi employees, whether or not you’re enrolled in the MetLife Legal Plans.

The Be Well Program’s work-life specialists can confidentially help you find service providers that meet your specific needs and preferences.

The Bright Horizons program offers inclusive support to help you find the right solution to your child care needs.