Medical

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.

*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

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.

*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.

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.

Keep in mind: Most routine preventive care is fully covered at 100%

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.

Keep in mind: Most routine preventive care is fully covered at 100%

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.

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.

Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.

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.

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

Money-Saving Tips

Get the most value from your medical plan and help reduce your health care spending by following these consumer-smart tips:

1. 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.
2. 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.
3. 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.”
4. 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.
5. 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:

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