• About this Guide

• Welcome to BNY Mellon
• Eligibility and Enrollment

• Benefits Eligibility

• Qualified Domestic Partner Definition

• Benefit Options at a Glance
• Enrollment

• How to Enroll
• Your Path to a Successful Enrollment
• Choosing Your Health Plan
• Enrollment Reminders
• If You Do Not Enroll by the Enrollment Deadline
• When Coverage Becomes Effective and Terminates

• Paying for Coverage

• Your Per-Pay Cost
• Pricing Structure for Medical Coverage

• When You Have Other Medical Coverage Available

• Coordination of Medicare and BNY Mellon Medical Coverage

• If You Leave BNY Mellon

• Changing Coverage

• What Is a Qualified Life Event?
• How to Report a Qualified Life Event Change
• What You Can Change
• Special Health Coverage Enrollment

• Medical and Prescription Drug

• Prescription Drug Benefits

• Find the Right Help for Complex or Chronic Health Conditions

• 2019 Medical Premiums
• About the HSA Plans

• Choosing a Carrier
• Precertification
• Healthy Pregnancy Programs
• Infertility Services
• Autism Spectrum Disorder Services
• Applied Behavior Analysis (ABA) Therapy
• UnitedHealthcare Spine and Joint Solution
• Aetna Spine and Joint Institutes of Quality

• The Health Savings Account

• Health Savings Account Contributions
• How the Health Savings Account (HSA) Works
• Medicare and Your Health Savings Account
• How the Health Accounts Compare

• Using Your HSA Plan During the Year

• Meet Your Deductible
• Know When Your Deductible Applies
• Understand Your Out-of-Pocket Maximum
• Prepare for Your Doctor Visit
• Know What to Ask Your Doctor
• Know What to Do After Your Visit
• Obtain 100 Percent-Paid Preventive Care
• Castlight: Make Informed Health Care Choices

• Flexible Spending Accounts

• How FSAs Work
• Health Care FSA Eligible Expenses
• Dependent Care FSA Eligible Expenses
• Health Care FSA During a Leave of Absence
• Dependent Care FSA During a Leave of Absence
• Important FSA Rules
• Should You Use the Dependent Care FSA or the Dependent Care Tax Credit?
• Limited Purpose FSA

• Dental and Vision

• Dental Coverage

• MetLife Dental Options
• Aetna DMO
• 2019 Dental Premiums
• Things to Consider

• Vision Coverage

• How the Plan Works
• 2019 Vision Premiums

• Health and Wellbeing

• Improve Your Wellbeing and Earn Rewards Along the Way
• Special Information if You Are Covered by the Kaiser, HMSA Hawaii or Aetna International Health Plan
• Alternative Means to Earning Incentives
• 2019 IRS Limits Impacting Health Savings Account Incentives

• Financial Protection

• Disability Coverage

• Short-term Disability (STD)
• Long-term Disability (LTD)

• Life and Accident Coverage

• Coverage Amounts
• Life and Accident Coverage at a Glance
• Cost of Coverage
• Evidence of Insurability
• Employee Coverage
• Dependent Coverage

• Ayco Financial Planning

• Time Off & Personal

• Flex Vacation Purchase

• How Flex Vacation Works

• Legal Notices

• Women’s Health and Cancer Rights Act of 1998 (WHCRA) Notice
• Newborns’ and Mothers’ Notice
• Mental Health Parity and Addiction Equity Act
• Military Leave Under the Uniformed Services Employment and Reemployment Rights Act (USERRA)
• Qualified Medical Child Support Orders
• Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
• Health Insurance Marketplace Coverage Options and Your Health Coverage

• Key Things to Know About the Affordable Care Act (ACA)

• Health Insurance Marketplace Coverage Options

• PART A: General Information
• PART B: Information About Employer-Provided Health Coverage

• Medicare Prescription Drug Notice

• BNY Mellon Creditable Coverage Plans

• HIPAA Notice
• Cobra Rights Notice-Health and Welfare Benefits

• Privacy Notice for Wellbeing Program

• Terms You Should Know

• Contact Information