BNY Mellon Benefits Guide
Medical and Prescription Drug
For 2018, most eligible employees have a choice between the following two national health plan options, each offered by our carriers, Aetna and UnitedHealthcare, with prescription drug coverage offered through CVS Caremark:
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Option 1: Plan HRA
Health Reimbursement Account
See "Plan HRA (Health Reimbursement Account)" for details
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Option 2: Plan HSA
Health Savings Account
See "Plan HSA (Health Savings Account)" for details
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If you are eligible for a regional plan, you will receive more information at the time you enroll. Generally:
- Residents in Southern and Northern California are also eligible for coverage under the Kaiser Permanente California health plan. The Kaiser Plan deductible is $500 for individual coverage/$1,000 for family coverage. After you reach your annual deductible, BNY Mellon will pay 80 percent of the cost of eligible in-network care, and you will pay 20 percent of the cost for services, up to the annual out-of-pocket maximum. The in-network out-of-pocket maximum is $4,000 per person and $8,000 per family. Details about this plan are available on the MyBenefit Solutions website under "Plan Information."
- Hawaii residents will be eligible for coverage under HMSA.
- International expatriates will be eligible for coverage under Aetna International.
Your Medical Coverage Levels
You may select one of the following four levels of coverage:
- Employee Only
- Employee + Child(ren)
- Employee + Spouse/Domestic Partner
- Employee + Family (more than one eligible dependent)
Locating a Provider
If you are enrolled in BNY Mellon sponsored Plan HRA or Plan HSA through Aetna or United Healthcare or MetLife dental, use Castlight to locate and compare doctors, dentists, hospitals or other providers. With Castlight you can view cost estimates and quality ratings for doctors' and dentists' visits and medical services, understand what's covered by your health plan, view your past health care expenses year-to-date (for periods you were enrolled in a BNY Mellon medical plan) and review simple explanations of past expenses. Visit http://www.mycastlight.com/bnymellon or call a Castlight Guide at 1-866-960-0873, Monday through Friday, 8:00 a.m. to 9:00 p.m. Eastern Time.
You can also contact Aetna at 1-855-855-8112 or UnitedHealthcare at 1-800-842-0750 (depending on the health plan carrier you select) to access health and wellbeing advocacy services. Note the "Network Name" associated with the "Health Plan Carrier" options.