Xerox is committed to providing you and your family with a comprehensive benefits program that supports your health and wellbeing.
2023 medical plans
Xerox offers you a choice of medical plans with a range of coverage levels and costs, allowing you the flexibility to pick the option that best fits your lifestyle and budget. These plans are administered by Aetna, Anthem, and Kaiser Permanente.
Choosing a plan carrier
You have the option to choose to enroll in an Aetna or Anthem medical plan (or Kaiser Permanente, where available). Depending on your home state, you will have a preferred medical carrier. While the plans cover the same services at the same levels regardless of carrier (e.g. Network Only Plan through Aetna is the same as Network Only Plan through Anthem), you will save up to 20% on payroll deductions by choosing your state’s preferred medical carrier. Visit BenefitsWeb to find out which carrier is the preferred carrier in your state. Note that in some states Aetna, Anthem, and Kaiser Permanente will be offered at the preferred carrier rate.
| Plan | Description |
|---|---|
|
Network Only Plan Administered by: Your choice of Aetna, Anthem, or Kaiser Permanente (in select locations) |
The Network Only Plan offers greater predictability of costs by charging copays for doctor’s visits and prescriptions, along with a low deductible and higher payroll deductions. This option does not permit contributions to a Health Savings Account (HSA). This plan provides coverage for in-network care only. You will not receive benefits under the plan if you receive care from an out-of-network provider. |
|
Choice Lower Deductible Plan Administered by: Your choice of Aetna, Anthem, or Kaiser Permanente (in select locations) |
With the Choice Lower Deductible Plan, you are in charge of your spending through lower payroll deductions than the Network Only Plan, higher deductibles, and access to a tax-free Health Savings Account (HSA). You may receive care from any provider you choose. Note that you will generally save money with in-network providers. |
|
Choice Higher Deductible Plan* Administered by: Your choice of Aetna, Anthem, or Kaiser Permanente (in select locations) |
Like the Choice Lower Deductible Plan, this plan puts you in charge of your spending through the lowest payroll deductions, highest deductibles, and access to a tax-free Health Savings Account (HSA). You pay the lowest payroll deduction, in exchange for paying the highest deductible and out-of-pocket maximum. You may receive care from any provider you choose. Note that you will generally save money with in-network providers. |
| Compare the plans | |
*Note that this option does not offer creditable prescription drug coverage. For more information about creditable and non-creditable prescription drug coverage, please see the Notice of Creditable Coverage.
If you live in Hawaii, Puerto Rico, Guam, or Saipan, you may enroll in the following medical options, which provide both medical and prescription drug coverage:
- Hawaii: HMSA PPO
- Puerto Rico: Humana Puerto Rico HMO
- Guam and Saipan: TakeCare Asia HMO
If Kaiser Permanente is available in your area
In some areas, Kaiser Permanente will be an option. With Kaiser Permanente, benefits differ from Aetna or Anthem.
- Generally, there are no out-of-network benefits. Instead, you must use providers and facilities in the Kaiser Permanente network. However, emergency services are covered for any provider.
- Prescription drug coverage is provided by Kaiser Permanente instead of CVS/caremark.
- Certain services — such as infertility treatment, private duty nursing, physical therapy, or acupuncture — may be covered differently or not at all.
- There also are variations from state to state.
If Kaiser Permanente is an option in your area, you will see it listed when you enroll and can find more information by reviewing the Kaiser Permanente Summaries of Benefits and Coverage (SBCs) on BenefitsWeb.
Key features
All of Xerox’s medical plans offer:
Comprehensive, affordable coverage
for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental insurance coverage.
In-network preventive care.
Most routine in-network preventive care is covered at 100% with no deductible. See more covered preventive services.
Prescription drug coverage
included with each medical plan. Prescription benefits are provided by CVS/caremark unless you are enrolled in a plan through Kaiser Permanente.
| Network Only Plan | Choice Lower Deductible Plan | Choice Higher Deductible Plan | |
|---|---|---|---|
| HSA-eligible | No | Yes | Yes |
| Company contribution to HSA | N/A | Depends on your salary; see the Health Savings Account section to learn more | Depends on your salary; see the Health Savings Account section to learn more |
| In-Network | |||
| Annual deductible (individual/family) |
$1,000 / $2,000 | $3,000 / $6,000 If you are covering dependents, you must meet the family deductible before the plan begins to pay benefits. |
$6,000 / $12,000 If you are covering dependents, you must meet the family deductible before the plan begins to pay benefits. |
| Coinsurance After you meet the deductible, you and the plan share the cost of most eligible expenses. |
Plan pays 80% | Plan pays 70% | Plan pays 60% |
| Annual out-of-pocket maximum (individual/family) Includes copays, annual deductible, and coinsurance. Once an individual meets the individual maximum, the plan will pay 100% of covered expenses for that individual. Once a family cumulatively meets the family maximum, the plan will pay 100% of covered expenses for all covered family members. | $4,500 / $9,000 | $6,500 / $13,000 | $6,900 / $13,800 |
| Routine Preventive Care/Wellness Includes an annual physical and certain recommended screenings. |
Plan pays 100% | ||
| Primary care office visit | $25 copay | Plan pays 70% after deductible | Plan pays 60% after deductible |
| Specialist office visit | $45 copay | Plan pays 70% after deductible | Plan pays 60% after deductible |
| Inpatient hospital | Plan pays 80% after deductible | Plan pays 70% after deductible | Plan pays 60% after deductible |
| Emergency room | Plan pays 80% after deductible | Plan pays 70% after deductible | Plan pays 60% after deductible |
| Applied Behavior Analysis Therapy Covered for children with an autism spectrum disorder. |
Plan pays 80% after deductible | Plan pays 70% after deductible | Plan pays 60% after deductible |
| Fertility Treatment | Office visits: $45 copay Other services: Plan pays 80% after deductible |
Plan pays 70% after deductible | Plan pays 60% after deductible |
| Out-of-Network | |||
| Annual deductible (individual/family) |
No coverage | $6,000 / $12,000 | $10,000 / $20,000 |
| Annual out-of-pocket maximum (individual/family) |
No coverage | $13,000 / $26,000 | $12,000 / $24,000 |
| Coinsurance | No coverage | Plan pays 50% | Plan pays 40% |
| Non-Preventive Prescription Drugs* | |||
Retail
|
Plan pays 80%**
|
Plan pays 70%** after deductible
|
Plan pays 60%** after deductible
|
Mail Order
|
Plan pays 80%**
|
Plan pays 70%** after deductible
|
Plan pays 60%** after deductible
|
| Preventive Prescription Drugs* | |||
Retail
|
Plan pays 80%**
|
Plan pays 70%**, no deductible
|
Plan pays 60%**, no deductible
|
Mail Order
|
Plan pays 80%**
|
Plan pays 70%**, no deductible
|
Plan pays 60%**, no deductible
|
*Visit CVS/caremark to view the Preventive Drug List
**Payments toward covered prescription drugs apply to your out-of-pocket maximum
For more information, including your premium costs and out-of-network coverage details, visit BenefitsWeb.
Make an informed decision
To make the best choices for you and your family, access the decision support tool on BenefitsWeb to help you decide what medical plan best fits your needs.
The Network Only Plan offers lower out-of-pocket costs from in-network providers only in exchange for the highest payroll deductions. With this plan, your costs are more predictable. You will pay the full cost of any care received from out-of-network providers.
How the Network Only Plan works
The cost of your coverage — your contribution — is deducted from your paycheck.
Copay
You pay a small fee at the time of service for doctor visits.
Copays will apply to your annual out-of-pocket maximum.
Deductible
For care that doesn’t charge a copay, such as hospital services, you pay 100% of the cost until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.
Out-of-Pocket
Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
The Choice Lower Deductible Plan and Choice Higher Deductible Plan have lower payroll deductions, with higher deductibles that provide access to a tax-free Health Savings Account (HSA) that helps you save for future medical expenses. As an added bonus, Xerox will contribute to your HSA if you make less than $120,000 per year. Any money left in your HSA can be carried forward from year to year and is always yours to keep. With these plans, you can see any provider you wish. Note that you will pay less when you stay in network.
How the Choice Lower Deductible Plan and Choice Higher Deductible Plan work
The cost of your coverage — your contribution — is deducted from your paycheck.
HSA
You can set aside tax-free money from your paycheck to help cover your costs — now, or in the future.
Deductible
You pay 100% of your medical and prescription costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.
Out-of-Pocket
Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Money-saving tip
If eligible, contribute to your HSA on a before-tax basis to help pay for your eligible out-of-pocket costs.
What’s the difference between the Choice Lower Deductible Plan and Choice Higher Deductible Plan?
The Choice Lower Deductible Plan and Choice Higher Deductible Plan work the same way; both are Health Savings Account (HSA) compatible. The Choice Lower Deductible Plan has higher payroll deductions in exchange for a lower deductible, lower coinsurance, and a lower out-of-pocket maximum. The Choice Higher Deductible Plan has lower payroll deductions in exchange for a higher deductible, higher coinsurance, and a higher out-of-pocket maximum.
When you enroll in a Xerox medical plan, you will automatically receive prescription drug coverage through CVS/caremark. Note that if you enroll in the Kaiser Permanente HMO Plan, your prescription drug coverage is through Kaiser Permanente.
The CVS/caremark network is a broad, nationwide network that includes all chains and most independent pharmacies. Coverage is not available for prescriptions filled with pharmacies outside the CVS/caremark network. Call the Xerox Benefits Center at 1.800.428.2203 or use the Pharmacy Locator to find a network pharmacy near you.
Drug tiers
The cost of your prescription drugs under each medical plan depends on the tier of the medication:
Generic
Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, and typically cost significantly less.
Brand
Brand drugs are brand-name medications that are favored by a prescription plan based on drug effectiveness and cost.
Non-Preferred Brand
Non-Preferred Brand drugs are brand-name medications that are not on a prescription plan's favored list (or formulary) based on drug effectiveness and cost. They may still be covered; they also may require prior authorization and cost more.
Always use generic drugs when available
If you request a brand-name medication when a generic equivalent is available, you will pay the brand copay, plus the difference in cost between the brand-name and generic medications, even if your doctor writes Dispense as Written on the prescription. This additional amount does not count toward your out-of-pocket maximum.
To research the cost of your medication before and after meeting the deductible, use the links below:
- Choice Lower Deductible Plan, before deductible
- Choice Lower Deductible Plan, after deductible
- Choice Higher Deductible Plan, before deductible
- Choice Higher Deductible Plan, after deductible
- Network Only Plan
Mail order
Mail order is required for maintenance medications (those taken regularly to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes).
- Use the CVS/caremark Mail Service Pharmacy or CVS/caremark Maintenance Choice, which allows you to fill your 90-day prescription at a local CVS Pharmacy.
- You’ll be required to use mail order after an initial fill and two refills (for a total of three fills) of your medication.
- If you purchase a 30-day supply at a retail pharmacy after three fills, even if it’s an in-network pharmacy, you will pay 100% of the cost of maintenance medications.
Specialty medications
Specialty medications for conditions such as cancer, hepatitis C, or rheumatoid arthritis, must be filled through the CVS/caremark Specialty Pharmacy.
NEW! Rx Savings Solutions
If you are enrolled in an Aetna or Anthem medical plan through Xerox, you and your covered dependents can save money through Rx Savings Solutions. This program features the Rx Savings Solutions website and mobile app that make it easy for you to search for lower-cost options for the same prescription drugs you use today. Once you register, you can see all the opportunities available to save money on your current prescription(s) and receive alerts whenever the program finds ways to save money for the same prescription – no effort required. You can also use the search portal on the Rx Savings Solutions website or mobile app to easily find the best prices and options for any prescription drug.
Visit myrxss.com/faq and check out this short video to learn more and find answers to frequently asked questions.
Register on the Rx Savings Solutions website today! Each of your covered family members who is 18 or older should activate their own personal account to take advantage of these savings.
Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.
To find an Aetna provider:
- Go to the Aetna website.
- Continue as a guest.
- Enter your 5-digit zip code, city, state, or county.
- Choose your network:
- If you’re enrolled in the Network Only Plan, search the "Aetna Select (Open Access) Plan."
- If you’re enrolled in the Choice Lower Deductible Plan or Choice Higher Deductible Plan, search the "Aetna Choice POS II (Open Access) Plan."
- Select your plan and click "Continue."
- Enter what you need to search for or find what you need by category.
To find an Anthem provider:
- Go to www.anthem.com/find-doctor.
- Search as "Guest."
- For care in your home location, choose the "Select" network for your state from the dropdown:
- DC/MD/VA – BlueChoice Adv Open Access.
- FL – NetworkBlue.
- GA – Blue Open Access POS.
- MO – Blue Access Choice.
- WI – Blue Preferred POS.
- AZ – Blue Alternative.
- NJ – Horizon Managed Care Network.
- NY – Empire POS.
- NC – BlueCard PPO.
- NH - BlueChoice Open Access (Select Network)
- If traveling out of state, select “National PPO (BlueCard PPO).”
- If you do not reside in one of the states noted above, select “National PPO (BlueCard PPO).”
Teladoc, LiveHealthOnline and Kaiser – You have access to medical advice from board-certified physicians 24/7, 365 days a year through your plan’s telemedicine service.
- If you are enrolled in an Aetna plan, visit the Teladoc website or call 1.855.TELADOC to learn more.
- If you are enrolled in an Anthem plan, visit the LiveHealthOnline website or call 1.855.603.7985 to learn more.
- If you are enrolled in a Kaiser plan, visit the Kaiser website or use the Kaiser Permanente app to learn more.
NurseLine – Nurses are available to answer your health questions and help you get the most out of your medical plan — confidentially and at no cost to you. Your nurse can guide you to the right care for a health problem, coordinate services before, during, and after a hospital stay, or support you while you work toward a health goal.
- If you are enrolled in an Aetna plan, call 1.800.556.1555 to reach a nurse.
- If you are enrolled in an Anthem plan, call 1.800.700.9184 to reach a nurse.
Health Advocate – Health Advocate gives you access to free, personalized assistance to help you and your family navigate the health care system. Whether you have a question about coverage or are diagnosed with a medical issue, Health Advocate's team of doctors, registered nurses, and expert health care professionals are available to support you.
Contact Health Advocate to:
- Understand your benefits,
- Resolve claims and billing issues,
- Clarify a diagnosis and research the latest treatment options,
- Connect with in-network providers, including leading specialists, hospitals, and facilities,
- Coordinate transportation and care after a hospital stay,
- Get end-to-end support during all phases of care,
- And more.
Visit the Health Advocate website, call 1.866.695.8622, or watch this video overview for more information.
ConsumerMedical® – ConsumerMedical can help you make more informed decisions about your medical treatment by providing personalized research and support for any health condition. A team of doctors, nurses, and medical researchers will evaluate your situation, then provide information from trusted sources to help you learn about your diagnosis and treatment options – including providers, procedures, and their costs. And if your doctor recommends lower back surgery, hip or knee replacement, weight loss surgery, or a hysterectomy, and you participate in the ConsumerMedical surgery decision support program, you can earn a gift card.
Click here to learn how the ConsumerMedical program can help with all of your medical decisions.
Contact ConsumerMedical at 1.888.361.3944 Monday to Friday, from 8:30 a.m. to 11:00 p.m. E.T., visit the ConsumerMedical website, or download the MyMedicalAlly app on the App Store or Google Play for instant access to ConsumerMedical's services. Use the app or website to request information about medical conditions and treatments, chat with a nurse, and register for webinars on a variety of health care topics.
Mercer Health Advantage (MHA) – A personalized and high-intensity care management program for employees, providing a health plan nurse, ready to help with any health condition you may be managing. One nurse works consistently with physicians, pharmacists and other specialists to coordinate care and support employees and their families. The assigned nurse will let you know what to expect, give you care instructions, help you find additional care if you need it, or just be there for advice and support. This holistic approach gets workers the care they need while addressing important and often forgotten issues such as caregiver involvement and post-care monitoring.
Life@Work Mobile App
With Conduent, you can access your health coverage and important documents on-the-go, 24/7.
Download the app on the App Store or Google Play. For registration details, visit BenefitsWeb and select My Profile > Login & Recovery.
You pay for your coverage through payroll deductions. Some coverages are paid with before-tax dollars, which lowers your taxable income because your contribution is deducted from your pay before federal income and Social Security taxes (and in most cases, state income taxes, if applicable) are withheld. This lowers the amount of your taxable compensation, which in turn lowers the income taxes you pay, while other coverages are paid with after-tax dollars.
Note that contributions Xerox pays for coverage for your domestic partner and/or your domestic partner’s dependent children are considered taxable (imputed) income, and you’ll pay income tax on the company’s contributions toward the cost of coverage for these dependents.
You are required to pay tax on the value of any basic life insurance in excess of $50,000.
NOTE: If you miss payroll contributions for any reason, you will be required to pay the necessary contributions. For example, if you were hired on January 2, 2023, and you completed your New Hire benefit enrollment on January 31, 2023, you may have missed 2 payroll contributions. In this scenario, the 2 missed payroll contributions will be recouped on the following two payroll periods. In other words, the number of missed payroll contributions will be captured in the same number of increments.
To view the Medical, Dental and Vision Rates
- Click here to view the preferred medical carrier rates
- Click here to view the non-preferred medical carrier rates
How to avoid imputed income if you cover your spouse as a domestic partner
You may avoid imputed income by taking the following steps:
- Call 1.800.428.2203 to change your spouse’s status.
- Enroll your spouse during Annual Enrollment on BenefitsWeb and the change will become effective January 1 of the following year.
If you and your domestic partner are not lawfully married, you may only cover him or her as a domestic partner, and you cannot avoid imputed income. A domestic partner is not considered a spouse for federal income tax purposes. Your coverage of your domestic partner will be treated as a taxable benefit, even if your domestic partner is considered your dependent for federal income tax purposes.
If you have any questions, call the Employee Service Center at 1.800.428.2203.
Money-Saving Tips
Get the most value from your medical plan and help reduce your health care spending by following these consumer-smart tips:
- Use in-network providers. You’ll pay less for in-network care, and most in-network preventive care is covered at 100% with no deductible. In-network providers agree to charge only up to negotiated rates and bill your insurance company directly, which saves you money and time. Check with your plan to ensure that a service is covered before you receive care. Note: If you’re enrolling in the Network Only Plan or the Kaiser Permanente HMO Plan, the plan only pays benefits for care received in network.
- Keep up with preventive care. Most routine in-network preventive care is covered at 100% with no deductible which includes annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.
- Use tax-free money to pay for eligible health expenses. Contributing to a Health Savings Account (HSA) and/or a Flexible Spending Account (FSA) is easy and saves you money. You can set aside before-tax dollars from your paycheck to use for your out-of-pocket costs. Keep in mind that with an HSA, you can only spend contributions that have actually been deposited into your account. And with an FSA, the money in your account does not carry over to the next plan year; you “use it or lose it.”
- Use your plan’s website. After January 1, log in to the Aetna, Anthem, or Kaiser Permanente website to see how much of your deductible you’ve met, review claims, find in-network providers, use helpful cost-estimating tools, and more.
- Choose the right place to get care. Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation:
| Telemedicine | Doctor’s office | Urgent care clinic | Emergency room |
|---|---|---|---|
| May Be Appropriate For | |||
| A common, non-emergency medical issue that can be diagnosed by phone or online | A condition that doesn’t need immediate attention and can wait until the next day | A condition that needs immediate care but is not life- or limb-threatening | A life-threatening or potentially crippling condition that needs immediate attention |
| Examples | |||
|
|
|
|
| Cost | |||
| $ | $ | $$ | $$$ |
| Find it | |||
| Teladoc
LiveHealthOnline kp.org |
Call your regular doctor or search for an in-network provider on your medical plan carrier’s website | Search for urgent care clinics near you on your provider’s website: | Call 911 or search online for the nearest hospital |
Note that this information is provided for your convenience, but is not intended to be medical advice. You should always defer to your primary care physician or other medical care expert to determine the best treatment for your personal circumstances.
5 tips to save money
Transparency in Coverage Rules
The federal Transparency in Coverage Rules require certain group health plans to publicly disclose price and cost-sharing information. This information includes in-network provider rates as well as historical out-of-network allowed amounts and billed charges for covered items and services, which is to be shared via two separate machine-readable files (MRFs). The MRFs are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
The MRFs for Xerox’s medical plans can be found below:
- Aetna
- Anthem
- Kaiser Permanante
- Humana
- HMSA
- Cigna
- Blue Shield of California
- TakeCare Asia (link coming soon)
- Amalgamated