Conduent offers different types of medical plans to meet your needs.

With the Classic PPO Plan, you pay copays for some services. For other services, you must meet the deductible and then you and the plan share costs.

With the Consumer Choice 2000/4000 Deductible Plan and Consumer Choice 4000/8000 Deductible Plan, there are no copays. You pay the negotiated rate for care (except for certain in-network preventive care) until you meet the deductible. After you meet the deductible, you and the plan share the cost of care. You also get a company-funded Health Savings Account (HSA) to help you pay for care.

The Limited Coverage Plan (LCP) is available to associates whose base salary is $75,000 or less per year (not available in Hawaii or Puerto Rico). The LCP is an affordable medical plan that includes certain preventive, wellness-related, and routine health care and prescription drugs.

If you live in Hawaii or Puerto Rico, you have other options available.

Learn more about your options.

For the Anthem Classic PPO Plan and Consumer Choice Plans, prescription drug benefits are provided through CVS/Caremark. The CVS Caremark pharmacy network has more than 50,000 pharmacies nationwide, including 7,600 CVS pharmacies plus Walmart, Target, and many other national and independent retail pharmacies. You can use a pharmacy outside the CVS Caremark network, but you’ll save money if you use participating in-network pharmacies. Find an in-network pharmacy at caremark.com.

Note: Walgreens and Rite Aid are considered out-of-network pharmacies.

For the Limited Coverage Plan, Kaiser Permanente plan, and Hawaii and Puerto Rico plans, prescription drug coverage is provided through your medical plan carrier.

Get more details about prescription drugs.

Ask about generics. When your doctor prescribes a medication, find out if there’s a generic available. Generic drugs use the same active ingredients as brand-name equivalents but cost about 30–60% less. If there’s no generic available, check to see if the medication is on the preferred drug list.

Shop around. Pharmacies charge different amounts for drugs, and the costs can vary widely.

Check out the discounted prescription program with Caremark. Get savings on prescriptions, even if you’re not enrolled in a medical plan. You can save up to 80% on generics and up to 40% on brand-name medications when you use your card at the pharmacy. You can also save 15% on a health service or screening. Show this card at a participating pharmacy and start saving on your prescription medications. 

A preferred drug list (also called a formulary) is a list of prescription drugs that the medical plan has identified as offering the best value. Drugs are selected based on their efficacy, safety, and cost-effectiveness.

If Caremark is your prescription provider, you will receive a separate pharmacy ID card.

The Basic Dental Plan covers orthodontia for children only. (Children must have braces put on by age 20.) The plan has higher deductibles ($75 individual/$225 family) and a $1,000 annual plan maximum.

The Enhanced Dental Plan covers orthodontia for children and adults. The plan has lower deductibles ($50 individual/$150 family) and a $1,500 annual plan maximum.

Learn more.

Depending on your ZIP code, your network will be either Aetna or Cigna. Find an in-network provider at aetna.com (search the Dental PPO/PDN with PPO II network) or cigna.com (search the Total Cigna DPPO network).

In some locations, you will also have a third option: the Aetna Dental Maintenance Organization (DMO) or Cigna DMO. The plan pays benefits only if you use a participating Aetna DMO/DNO or Cigna DMO in-network provider. There are no out-of-network benefits. This plan might be a good option if you don’t mind seeing a different provider each time you need care.

Note: The Aetna DMO and Cigna DMO use a different network of providers than the Basic Dental and Enhanced Dental Plans. If you’re considering this option, verify that your dentist participates within this more restricted network before you make your election. Find an in-network provider at aetna.com (search the DMO/DNO network) or cigna.com (search the DHMO Access Plus network).

You can choose any provider; however, you always save money if you see VSP in-network providers. To find a VSP doctor or retail chain affiliate within the VSP Choice network, call 1.800.877.7195 or visit vsp.com (search the Choice network).

No. Due to IRS regulations, the HSA is available only if you enroll in a Consumer Choice plan. If you enroll in another medical plan, you can take advantage of the tax-advantaged Health Care Flexible Savings Account (FSA). Learn more about the HSA.

Yes. Unlike an FSA, the HSA has no use-it-or-lose-it rule. The HSA is a bank account in your name. You never lose the money in the account and you can continue to use your HSA even if you leave Conduent.

Once you open your account, Conduent will make contributions into your HSA on the first two paychecks of each month that you remain enrolled in a Consumer Choice Plan. You don’t have to add money of your own to receive Conduent’s contribution.

• Consumer Choice 2000/4000 Deductible Plan: The maximum amount contributed is $20.85 per paycheck for associate-only coverage and $41.70 for any level of family coverage — that can add up to $500 to $1,000 per year.

• Consumer Choice 4000/8000 Deductible Plan: The maximum amount contributed is $31.25 per paycheck for associate-only coverage and $62.50 for any level of family coverage — that can add up to $750 to $1,500 per year.

No. The FSAs have a use-it-or-lose-it rule. You will lose any FSA money you don’t use by Dec. 31 of each year. Claims for reimbursement must be postmarked by April 15 of the following year.

No. According to current IRS regulations, your domestic partner’s expenses can’t be reimbursed through your Health Care Flexible Spending Account (FSA). By federal law, you must be legally married to pay for your spouse’s eligible health care expenses with your Health Care FSA.

No. The Dependent Care FSA is used for dependent daycare expenses only.

No. The accounts are separate. You can’t transfer money between the accounts or use the Dependent Care FSA to pay for health care expenses for your dependents or vice versa.

Use the FSA Savings Calculator.

A Statement of Health (SOH) — also called EOI — is something that insurance companies may require before Supplemental Life insurance coverage is effective. If you enroll for Supplemental Life when you’re first eligible, you’ll be able to get coverage up to the guaranteed issue — which means you won’t have to provide a Statement of Health (SOH).

• Guaranteed issue for you: The lesser of $500,000 or 3 times your annual base salary
• Guaranteed issue for your spouse/domestic partner: $50,000

If you don’t enroll when you’re first eligible and later decide you want coverage, you will need to provide an SOH. An SOH may also be required if you:

• Choose Supplemental associate coverage when you’re first eligible that’s more than $500,000 or more than 3 times your annual base salary (e.g., 4 or 5 times your annual base salary), whichever is less
• Make any increase to your Supplemental associate coverage that is not associated with a qualifying change in status
• Choose spouse/domestic partner coverage when first eligible that exceeds $50,000
• Make any increase in your spouse/domestic partner’s coverage

Learn more about Statements of Health.

A beneficiary is the person you designate to receive your life and AD&D benefits. This beneficiary designation is separate from your Conduent Savings Plan beneficiary. You can name anyone as a beneficiary for your life and AD&D benefits. You can name both primary and contingent beneficiaries.

A primary beneficiary is the first in line to receive benefits.

A contingent beneficiary is second in line to receive benefits. They only receive benefits if the primary beneficiary is deceased or can’t be located.

For example, you might name your spouse as the primary beneficiary and your children as contingent beneficiaries. Keep in mind that children can’t receive life insurance funds until they reach age 18.

Name or update your life and AD&D beneficiary on BenefitsWeb > Health and Welfare tab > Health Benefits > Beneficiaries.

If you don’t name a beneficiary, benefit payments will be made in the following order to your:
• Spouse/domestic partner
• Child(ren)
• Parent(s)
• Siblings
• Estate

Find more details in the Summary Plan Description (SPD) on BenefitsWeb.

STD and LTD benefits are not paid for pre-existing conditions, including pregnancy, until you have been covered by the plan for 12 consecutive months. A pre-existing condition is any sickness or injury for which, during a certain time period immediately before coverage begins (6 months for STD and 3 months for LTD), you:

• Received medical advice or treatment,
• Consulted a physician or nurse practitioner, or
• Had medications prescribed

STD and LTD benefits are calculated using your annual base salary as of Oct. 1 of the prior year or your hire date, if hired between October and December of the prior year or during the Plan Year), not including commissions, bonuses, overtime, or any other extra compensation.

Note: If your pay is incentive-based, annual base pay for purposes of disability coverage is calculated based on your average hourly rate for the previous quarter and your normal scheduled hours.

Pay is determined as of the day before your disability begins.

Voluntary benefits can help protect you and your family if you have an accidental injury, serious illness, or hospital stay, whether expected or unexpected. These benefits are offered through Aetna. You receive a cash benefit to help with expenses. You enroll for each of these benefits separately. Learn more.

No. This insurance is a supplement to health insurance and is not a substitute for major medical coverage.

Yes. You will need to pay premiums directly to Aetna to continue your coverage.

All U.S. Conduent associates and their eligible family members can use the EAP.

No. The EAP is available 24/7 to you and your eligible family members, even if you’re not enrolled in a Conduent medical plan.

You and your family members can each use up to five sessions per topic with a licensed counselor, face-to-face or online. Learn more.

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