You spoke, we listened. And that’s why your 2024 benefits lineup includes:
- Comprehensive medical plans at lower costs (and the same costs for dental, vision, optional life/accidental death & dismemberment (AD&D), accident, hospital indemnity, and critical illness as this year*).
- Simplified options.
- Enhanced lineup of new programs.
- Benefits that support your physical, mental, social, and financial well-being.
*Note that if you change coverage levels or move to a different age range for life or critical illness insurance, you may see an increase in your rates.
Say Hello to Your New 2024 Benefits
Your well-being is our well-being, which is why Xerox is proud to offer lower costs, simplified benefit options, and more support than ever before. Take the time to discover what's new for 2024.
Simplified Medical Options through Anthem and Kaiser (Where Available)
Benefits should be simple. Starting January 1, 2024, all medical coverage will be provided by Anthem (and Kaiser Permanente, where available) making it easier to choose and use the best plan for you.
You can enroll in one of Anthem’s three plans: the Network Only Plan, Choice Lower Deductible Plan, or Choice Higher Deductible Plan.
Important! Confirm Your Providers are In-Network
We know that your providers are important to you. Anthem provides one of the most comprehensive provider networks, so we expect that you will be able to see the same providers you know and trust. Note that if you live in Virginia, New Hampshire, or Kansas City, Missouri, the Anthem network is changing, and you should confirm that your current providers participate in the 2024 network by following the below instructions.
- Visit anthem.com/find-care and select Basic search as guest.
- Select Medical Plan or Network from the type of plan or network dropdown menu.
- Select your state.
- Select Medical (Employer-Sponsored) from the how you get healthcare dropdown menu.
- Select your plan or network from the table below. Note: The providers in Virginia, New Hampshire, and Missouri have been updated for 2024.
- Choose continue and then search for a doctor nearby or a specific doctor by name.
| State in which you live | For care at home, select: |
|---|---|
| Florida | Network Blue (Select Network) |
| Georgia | Blue Open Access POS (Select Network) |
| Missouri | Blue Access Choice (St Louis) (Select Network) |
| Wisconsin | Blue Preferred POS (Select Network) |
| Washington, DC | BlueChoice Adv Open Access (Select Network) |
| Arizona | Blue Alternative (Select Network) |
| New York | POS |
| New Jersey | Horizon Managed Care Network (Select Network) |
| Virginia | Health Keepers POS (Select Network) |
| New Hampshire | BlueChoice Open Access (Select Network) |
| Missouri (Kansas City) | Preferred-Care Blue (KC) (Select Network) |
If you do not live in one of those states or are traveling, select BlueCard PPO.
If your current provider does not participate in the Anthem network and you are undergoing treatment for certain medical conditions, you may be able to continue to receive care from them at the in-network benefit level for a certain period of time. You and your provider will need to complete the Continuation of Coverage form.
New Medical Provider for Employees in Puerto Rico
In 2024, employees in Puerto Rico will receive medical coverage through MCS. You will receive additional communications later this year regarding the transition.
Money in Your Pocket!
Great news! We’re making sure your coverage is more affordable by reducing how much you’ll pay out of your paycheck AND at the time of care.
Lower Payroll Deductions
You’ll pay less in payroll deductions for Anthem and Kaiser medical coverage if you stay in the same plan at the same coverage level.
Pay Less at the Time of Care
We’re making changes to the Anthem and Kaiser medical plans to help you save money. In 2024, we’re decreasing:
- The deductible in the Choice Lower Deductible Plan, so the plan will start helping you pay for coverage sooner.
- The specialist copay in the Network Only Plan.
- Coinsurance in both the Choice Lower Deductible and Choice Higher Deductible Plans, meaning the plan will cover a greater share of your medical costs.
- The out-of-pocket maximum for all three Anthem and Kaiser medical plan options.
Note that the plan details differ slightly between Anthem and Kaiser. See the updated plan details here.
If you’re enrolled in the Choice Lower Deductible or Choice Higher Deductible Plans, you can receive care from any provider you choose. However, you’ll pay less when you see an in-network provider. Starting in 2024, if you receive services from out-of-network providers, you may pay more than you have in the past for these services.
Contribute More to Your Savings & Spending Accounts
In 2024, you can contribute more to your Health Savings Account (HSA) and General Purpose and Limited Purpose Flexible Spending Accounts (FSAs). You can find additional information on Savings and Spending Accounts in the Benefit Options section of this page.
- HSA: You and Xerox can contribute up to $4,150 for employee only coverage and $8,300 for family coverage. Your contribution from Xerox depends on your salary, so be sure to confirm that your contribution combined with Xerox’s contribution does not exceed the maximum. Review how much Xerox contributes to your account here.
- FSA: You can contribute up to $3,050 to your General Purpose or Limited Purpose FSA.
New Programs for 2024!
We’re offering two new programs — PrudentRx and Hinge Health — to provide you with support to tackle your unique health care needs:
- PrudentRx is a copay assistance program that allows you to receive certain specialty drugs at no cost to you. If you or a covered family member are currently taking a medication included in the CVS/caremark’s PrudentRx Specialty Drug List, you will receive a letter from PrudentRx with instructions on how to enroll. If you are taking an eligible medication, you must participate in PrudentRx for the medication to be covered.
- Hinge Health provides virtual personalized physical therapy for acute and chronic musculoskeletal conditions such as knee, back, hip, neck, and shoulder pain — at no cost if you’re enrolled in an Anthem medical plan. Be on the lookout for more information next year!
Plus, earlier this year, we introduced Rx Savings Solutions to help you save money on prescription drugs. If you enroll in an Anthem plan, you can search for lower-cost options for the same prescription drugs you use today on the Rx Savings Solutions website and mobile app. Visit the Prescription Drugs Section of the Digital Benefits Guide to learn more.
In 2024, you have the following benefit options.
Medical
Xerox’s plans are designed to provide comprehensive coverage to ensure you have the protection you need wherever you are in your healthcare journey.
For 2024, all medical coverage will be provided by Anthem (or Kaiser Permanente, where available). You will continue to have a choice of three medical plans, which offer a range of options in coverage and newly lowered costs. The following plans will be available through Anthem, and, depending on your location, Kaiser Permanente.
- Network Only Plan
- Choice Lower Deductible Plan
- Choice Higher Deductible Plan
IMPORTANT!
If you enroll in employee-only coverage for the Choice Higher Deductible Plan and your annual salary is less than $60,000, Xerox will continue to cover your monthly payroll deductions.
Hawaii, Puerto Rico, Guam, or Saipan
If you live in Hawaii, Puerto Rico, Guam, or Saipan, you may enroll in the following medical options:
- Hawaii: HMSA PPO
- Puerto Rico: MCS PPO
- Guam and Saipan: TakeCare Asia HMO
If you live in one of these areas, the tobacco surcharge will not apply. However, you will still need to complete a tobacco attestation when you enroll. If you are a tobacco user, you will pay higher rates for any critical illness insurance coverage you elect.
Each plan offers both medical and prescription drug coverage. Your medical plan covers preventive care at no cost to you, as long as you use an in-network provider. For convenient care, you can also take advantage of telemedicine options.
To see the coverage available under each option, review the Summaries of Benefits and Coverage (SBCs) on BenefitsWeb. If you have questions, please contact your medical plan carrier directly.
Savings & Spending Accounts
Xerox offers you several types of accounts that help you save money by paying for health care and dependent care expenses tax-free.
The following accounts will be available in 2024:
- Health Savings Account (HSA) — Increased contribution limits for 2024: $4,150 for employee-only coverage and $8,300 if you cover dependents, plus an additional $1,000 if you are age 55 or older. You can contribute to the HSA if you enroll in the Choice Lower Deductible Plan or Choice Higher Deductible Plan.
- Health Care Flexible Spending Account (FSA) — The 2023 Health Care FSA limit is $3,050. This limit will remain fixed for 2024 under Xerox’s plan, even if the IRS increases the statutory limit. You can contribute to the Health Care FSA if you enroll in the Network Only Plan or if you waive medical coverage.
- Limited Purpose FSA — The 2023 Limited Purpose FSA limit is $3,050. This limit will remain fixed for 2024 under Xerox’s plan, even if the IRS increases the statutory limit. You can contribute to the Limited Purpose FSA if you enroll in the Choice Lower Deductible Plan or Choice Higher Deductible Plan. The Limited Purpose FSA can only be used to pay for eligible dental and vision expenses.
- Dependent Care FSA — No changes for 2024. All benefits-eligible employees can contribute to the Dependent Care FSA.
Supplemental Medical
While you can’t predict tomorrow’s unexpected events, you can get the coverage you need to prepare for them with Supplemental Medical benefits.
There are no changes for 2024. You will continue to have access to the following plans:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
Dental
Xerox’s dental coverage gives you the flexibility to choose the best plan for you based on your needs and budget.
There are no changes for 2024. You will continue to have access to the following plans:
- Basic Plan
- Enhanced Plan
- DMO Plan, depending on your location
Vision
Vision coverage saves you money on expenses such as eye exams, glasses, and contact lenses, so you can keep your vision strong and eyes healthy.
There are no changes for 2024. You will continue to have access to the following plans:
- VSP Basic Vision Plan
- VSP Buy-Up Vision Plan
Life and Accidental Death & Dismemberment (AD&D) Insurance
Plan for the unexpected and protect your family’s financial security with Life and AD&D insurance.
There are no changes for 2024. You will continue to receive Employee Basic Life Insurance (up to 1x base annual earnings, rounded to the next higher $1,000, up to $300,000) at no cost to you, with no enrollment required. You can also enroll in:
- Employee Optional Life and AD&D Insurance
- Spouse/Domestic Partner Life and AD&D Insurance
- Child Life and AD&D Insurance
Disability Insurance
Not being able to work because of an illness or injury can cause serious financial hardship. Disability benefits ensure your income continues during these situations.
There are no changes to company-paid STD or LTD coverage for 2024. You will receive STD and LTD insurance at no cost to you, with no enrollment required.
In addition, you may choose to enroll in buy-up LTD insurance. This coverage is employee-paid and requires enrollment.
Mental Well-Being
Mental health is a critical aspect of your overall well-being, and Xerox aims to support you through your mental well-being journey.
Our Employee Assistance Program (EAP) offers confidential counseling and support for mental and emotional well-being, financial and legal services, and more.
Voluntary Benefits
Xerox offers a variety of additional programs you can take advantage of that can help save you money and provide important assistance with everyday needs:
- Legal Services Plan — Provides unlimited free or discounted legal services to your entire family
- Identity Theft Protection Program — Monitors your identity and credit, detects fraud, and restores your identity in the event of theft, so you have peace of mind by protecting yourself against the damage of identity theft
- Pet Insurance* — Provides coverage to help you cover the costs of veterinary care (note that you can enroll in or make changes to your Pet Insurance anytime throughout the year)
- Commuter Benefits* — Save money on monthly parking or transit costs related to your work commute
- Auto & Home Insurance* — Save money on personal insurance policies, including auto, home, and renter’s insurance
*You may enroll in these programs at any time during the year.
Powerful Legal Protection through MetLife
MetLife Legal Plans provide unlimited access to network attorneys for personal legal matters. Your legal plan benefit is like having a trusted attorney in your pocket or on retainer. You can receive assistance with situations such as buying or selling a home, starting a family, managing identity theft issues, caring for aging parents, and more.
If you elect this coverage, you pay the full cost on an after-tax basis through automatic payroll deductions. Click here for more information on rates and covered services.
View your Medical, Dental, and Vision payroll deductions here.
Log in to BenefitsWeb to view your payroll deductions for all of your benefit options.