2016 benefits enrollment guide - …images.vitaminimages.com/corp/nbty/nbty_2016... · enrollment...

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We Liveour passion

For Wellness

2016 Enrollment Guide

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welcome

Live Your Passion for Wellness!NBTY has a passion for wellness and we know you do, too. We strive to make it as easy as possible to enroll in your benefits, giving you more time to enjoy life. This guide provides an overview of NBTY’s benefit choices and enrollment information so you can live your passion for wellness in 2016. For more details about your benefits, visit Your Benefits Resources™ (YBR) at www.ybr.com/nbty.

Choosing Benefits and Making Changes The benefits you choose will be effective from your effective date through December 31st. You won’t be able to make changes to your coverage during the year unless you have a life status change. Some examples include:• Marriage, legal separation, or divorce• Birth, legal adoption of a child, or placement of a child with you for legal adoption• Death of your spouse or dependent child • Change in residence (only if your current coverage isn’t available in the new location or if you’re offered an

option that you weren’t previously offered)• If your employment status changes

After a life status change occurs, you have 31 days to make any updates through YBR. You can find more information at www.ybr.com/nbty.You can enroll in or make changes to your benefits each year during the Annual Enrollment period, which is normally held in November, for benefits effective January 1st - December 31st of the following year.*

*Hawaii associates: Annual enrollment for medical and dental coverage is in June. Changes will be effective for the following plan year July 1 to June 30.

WELCOME |

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New Hire BenefitsAs a newly hired associate, you’ll receive an Enrollment Worksheet within 21 days of your hire date. Your benefits elections will be effective the first of the month following 30 days of employment. If you don’t make your elections by your enrollment deadline, you’ll have to wait until the next Annual Enrollment period unless you experience a life status change.Example: If you were hired on February 12th, your benefits will become effective April 1st.You must make your elections on YBR if you want to enroll in:• Medical (including prescription drug), dental, or vision coverage• Health Care and/or Dependent Care Flexible Spending Accounts (FSAs)• Optional associate, spouse, or child life insurance• Optional disability coverage• Group legal services

EligibilityIf you work at least 30 hours per week, you’re eligible to elect coverage for the benefits listed in this guide. You can also cover eligible dependents under medical, dental, vision, and life insurance coverage.Eligible dependents include your:• Spouse (legal)• Natural and legally adopted children, stepchildren, children under legal guardianship and/or foster children

up to age 26• A mentally or physically incapacitated child of any age who is not capable of self-support and was

incapacitated prior to reaching age 26The amount you pay for medical, dental, vision, and life insurance coverage will be based partly on who you choose to cover. As a reminder, life and disability rates are based on age and salary level, therefore any salary and age (if crossing over an age band) change will result in a premium change.

introduction

NBTY encourages you to shop around for your coverage beyond our benefit offerings to ensure you find what’s best for you and your family. You might have plan options more well-suited to you through your spouse, a state-based exchange, Medicare or Medicaid.

Compare Your Coverage

INTRODUCTION |

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Each year, we strive to provide you with a comprehensive and competitive benefits package. To keep coverage affordable, it’s important you’re equipped with information and tools to make the best possible healthcare decisions with confidence.

How Healthcare Reform Affects CompaniesAt NBTY and businesses across the country, healthcare costs are rising due to a number of factors. One cause is healthcare reform, often referred to as the Affordable Care Act (ACA).Healthcare reform has impacted businesses in many ways, and has caused an estimated 1-5% increase in benefit costs for employers. Some factors leading to increased benefit costs include:• A requirement for large employers like NBTY to provide a minimum level of insurance coverage to all full-

time associates• Mandatory coverage of emergency and preventive care• Coverage requirements for children up to 26 years old

HEALTHCARE LANDSCApE upDATE

How Healthcare Reform Affects YouUnder ACA, everyone is required to have health insurance. Therefore, it’s very important that you review all coverage options available to you from NBTY and elsewhere to choose the best benefits for you. Regardless of where you get your coverage, you must have insurance or will have to pay a fine to the IRS while filing your taxes. The good news is that under ACA, insurance companies can’t deny anyone coverage based on factors like age, gender or pre-existing conditions. Also, ACA requires that plans cover preventive care such as children’s recomended vaccines, annual exams and certain lab work and screenings. So, while costs might be rising, you’re guaranteed comprehensive coverage and care.

• People are living longer, and there are costs associated with increased life expectancy.

• People are continuing to make unhealthy lifestyle choices like poor diets, stress, smoking, and drinking. These choices increase the likelihood of major health conditions like cancer, diabetes, and heart diseases, which in turn plays a factor in increasing healthcare costs.

• There is an increasing trend for the misuse of healthcare. For example, when an individual goes to the emergency room for routine care like a checkup or for the flu, the visit costs significantly more than going to an in-network provider or urgent care clinic.

• Cost increases can also be attributed to the advancement of medical technology, including things like vaccines and medical devices and specialty drug costs.

WHY HEALTHCARE COSTS ARE ON THE RISE

Why the spike in healthcare costs? There are many reasons:

HEALTHCARE LANDSCAPE UPDATE |

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TOP 5 HEALTH TIPS1. Get enough exercise. Experts recommend adults

get at least 150 minutes of moderate aerobic activity per week.

2. Don’t use tobacco. Among other negative effects, smoking is estimated to increase the risk of coronary heart disease by 2 to 4 times.

3. Maintain a healthy diet. Many diseases have been linked to poor diet, including type 2 diabetes and some cancers.

4. Take advantage of annual exams. Yearly medical and dental check-ups can detect and help you prevent any potential health problems.

5. Get enough sleep. A sufficient amount of sleep (7-9 hours per night) helps your brain recharge and allows you to focus throughout the day.

FYI: How Some Companies Are Dealing With CostsContinuously rising healthcare costs are affecting everyone. For future consideration, to address this issue, NBTY is exploring what other companies are doing to contain rising healthcare costs to make sure our associates continue to have access to competitive benefits. Many companies are offering Consumer-Directed Health Plans (CDHPs), which are high-deductible plans with lower associate contribution rates. NBTY is exploring this option as well as others that give associates more control over how their healthcare dollars are spent.

HEALTHCARE LANDSCApE upDATE

WAYS TO SAVE ON HEALTHCARE IN 2016

You can decrease your monthly contributions by participating in a biometric screening. Participating associates will receive a $20 reduction in monthly medical plan contributions. Participating associates whose covered spouse also gets a biometric screening will receive an additional $20 per month reduction. A total savings of $40 per month ($20 for you and $20 for your spouse).

Our Maximum Motivator Program is available to you if you’re enrolled in the Delta Dental plan. Simply have a preventive dental exam by December 31st of the calendar year and increase your dental calendar year maximum from to $1,000 to $2,000 for the following plan year.

As part of our tobacco cessation program, you’ll pay lower life insurance premiums if you are a “non-tobacco” user.

Did You Know?• Up to 14 percent of adults had diagnosed or undiagnosed type 2 diabetes• About 38 percent of adults had diagnosed or undiagnosed prediabetes• About one-third of Americans with type 2 diabetes don’t know they have it

HEALTHCARE LANDSCAPE UPDATE |

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Top 5 Consumerism Tips 1. Use a tax-advantaged account. Flexible Spending Accounts (FSAs) allow you to save on out-of-pocket costs

for qualified healthcare and dependent care. 2. Take advantage of the Health Connect program. Nurses and wellness coaches are on call to help you with

health related questions or concerns. 3. Get generic prescriptions when available. When prescribed a prescription drug, ask your doctor if there is

a generic version available so you can save on your refills. 4. Understand what you’ll pay. Be sure you know what your deductibles, copayments and coinsurance will be

before receiving care. 5. Prepare for emergencies. Evaluate the impact of out-of-pocket expenses to prepare for emergency care if

needed.

How To Be A Smart Healthcare Consumer There are several steps you can take to keep healthcare costs down and to be a smart healthcare consumer. Here are just a few: • Review and compare NBTY benefits to other coverage available to you (such as through a spouse, state-

based exchange, Medicare or Medicaid).• Use our Health Connect program Nurse Line for questions about routine care. • Know your contribution amounts to understand how much you’re paying for your coverage and that of

your dependents. • Take advantage of free preventive care, such as annual medical and dental exams, vaccines and

preventative screenings.• Maintain healthy habits such as exercise and eating a balanced diet to limit the need for unnecessary

doctor visits.• Determine what your out-of-pocket costs will be before you receive a service.• When in doubt, call your plan provider with any questions.

Consumerism and You

Through Your Benefits Resources™ (YBR) you have access to several tools that will help you make smart coverage decisions for you and your dependents. Log on at www.ybr.com/nbty to access the following: • Medical Expense Estimator• Health Plan Comparison Chart (HPCC)• Provider Search• FSA Estimator • Estimate Your Life and Disability Needs

USEFUL TOOLS

CONSUMERISM AND YOU |

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MEDICAL

You have access to two medical plans through UnitedHealthcare, both of which include prescription drug benefits through CVS Caremark. As you evaluate your 2016 options for you and your dependents, here are some points to consider for each plan: Choice EPO plan:

• You pay copays for office visits• Provides in-network coverage only

Choice Plus PPO plan: • Provides out-of-network coverage, but the cost of in-network care is typically less money • The annual deductible must be met before any expenses (including prescriptions) are paid by the plan

Note: Medical (including prescription drugs), dental, and vision options will differ for associates in Hawaii, Guam, and Puerto Rico. Please see the Appendix for more information or view the Health Plan Comparison Chart (HPCC) on YBR for coverage details and pricing.

Wellness starts with preventive care, which NBTY wants you to have total access to. All medical plans provide preventive care such as annual exams, vaccinations and well-baby care and are available at no cost to you.

Live Well

MEDICAL |

Coinsurance: A percentage of costs you pay out of pocket for covered expenses after you meet the deductible.

Copay (Copayment): A fee you have to pay out of pocket for certain services, such as a doctor’s office visit or prescription drug.

Network: Doctors, pharmacists, and other health care providers who make up the plan’s preferred providers. When you use in-network providers, you pay less because they have agreed to negotiated pricing.

Deductible: The amount you pay out of pocket before the health plan will start to pay its share of covered expenses.

Out-of-Pocket Maximum: The most you pay each year out of pocket for covered expenses. Once you’ve reached the out-of-pocket maximum, the health plan pays 100% for covered expenses for the remainder of the year.

Preventive Care: Services you receive when you aren’t sick or injured. Preventive care services include annual physicals, wellness screenings, and well-baby care.

Common Benefit Terms to Know

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Please review the following details about your medical and prescription drug plan options. For more details, go to www.ybr.com/nbty where you’ll find a Health Plan Comparison Chart (HPCC).The deductibles, copays, and coinsurance percentages below indicate the amounts for which you are responsible.

Key Features

UnitedHealthcare Choice EPO

UnitedHealthcare Choice Plus PPO

In-NetworkYou Pay

In-NetworkYou Pay

Out-of-NetworkYou Pay

Annual Calendar Year DeductibleIndividual $400 $500 $1,200Family $1,000 $1,450 $3,000Out-of-Pocket MaximumIndividual (includes deductible) $2,750 $3,600 $9,500Family (includes deductible) $7,700 $9,300 $27,000Physician Services

Office Visit PCP: $25 copay 10% After deductible is met

50% After deductible is met

Specialist Visit $40 copay 10% After deductible is met


Annual Physical Exam 0% Not subject to deductible 0% Not subject to deductible


Hospital Services

Inpatient (per admission) 20% After deductible is met 10% After deductible is met


Outpatient Procedure 20% After deductible is met 10% After deductible is met


Emergency TreatmentEmergency room copay (waived if admitted) $150 copay 10% After

deductible is met50%

After deductible is metRetail Prescriptions1 (30-day supply)

Generic $10 copay $10 copay After deductible is met

$10 copay After deductible is met

Preferred brand 20%2

($30 min/$60 max)20%

After deductible is met$30 min/$60 max


$30 min/$60 max

Non-preferred brand 30%2

($50 min/$100 max)30%

After deductible is met$50 min/$100 max


$50 min/$100 max

Weekly Rates Choice EPO Choice Plus PPO

No Biometric Screening

Biometric Screening from Associate Only

Biometric Screening from

Associate & Spouse

No Biometric Screening

Biometric Screening from Associate Only

Biometric Screening from

Associate & Spouse

Associate Only $27.63 $23.02 $23.02 $40.81 $36.19 $36.19

Associate & Spouse $74.59 $69.97 $65.36 $107.43 $102.82 $98.20

Associate & Child(ren) $51.48 $46.87 $46.87 $75.18 $70.56 $70.56

Associate & Family $97.63 $93.02 $88.40 $142.28 $137.66 $133.051 Using NBTY’s mail-order program, you can save by purchasing a 90-day supply of maintenance drugs for two times the cost of a 30-day supply.2 Not subject to deductible

MEDICAL plan options

MEDICAL PLAN OPTIONS |

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Wellness InitiativesAt NBTY, wellness is our business and we’re committed to helping you be healthy. Our passion for wellness is evident in the programs and resources we offer so that you and your family can stay healthy year round, including: • In-network annual preventive care doctor visits are covered at 100%.• Access to the Health Connect program which includes support from registered nurses and wellness coaches

who can help with any health-related questions.• You and your spouse can receive a discount on your monthly contributions by participating in biometric

screenings. Participating associates will receive a $20 reduction in monthly medical plan contributions. Participating associates, with participating covered spouses, will receive a $40 reduction in monthly medical plan contributions.

• The Employee Assistance Program (EAP), provided by Optum Health, offers support for an array of personal and work-related concerns and behavioral health issues, confidentially and at no cost to you.

• Smoking cessation programs through Health Connect (for Associates enrolled in the NBTY medical plan) and Quit for Life (for Associates not enrolled in the NBTY medical plan).

• NBTY also offers at select locations:• Vitamin discounts• Healthy snacks in the vending machines and micromarkets• Gym discounts• Complete tobacco cessation program• Free on-site flu shots and biometric screenings annually• On-site exercise classes• Stress management seminars/webinars

wellness

WELLNESS |

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When you think about your health care costs, the first thing that comes to mind is probably your premium — the amount that comes out of every paycheck for coverage. But you also should consider your out-of-pocket expenses, what you pay when you go to the doctor or get a prescription. Need help determining your health care expenses? Log on to YBR at www.ybr.com/nbty for helpful tools, such as the Medical Expense Estimator and the Health Plan Comparison Chart (HPCC).

estimating expenses

Find a Doctor or HospitalNot sure if a medical service is going to have high out-of-pocket costs? YBR’s Find a Doctor or Hospital can show you whether or not a provider is in your network, which will save you money.

ESTIMATING EXPENSES |

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DentalDental benefits are offered to you and your eligible dependents through Delta Dental. While you can receive care from any provider, you’ll save more money if you stay in network.

dental & vision

As part of NBTY’s Maximum Motivator program, associates who have a preventive dental exam by December 31st of each year will increase their dental calendar year maximum to $2,000 for the following year!

VisionVision coverage is offered to you and your eligible dependents through EyeMed. It features a network of doctors and specialists who provide services at a discounted price. While you can receive care from any provider, you’ll save more money when you stay in network.

Key Features PPO Premier Provider Non-Participating ProviderIn-Network Out-of-Network

Annual Calendar Year Maximum $1,000 (Increase to $2,000 when completing preventive exam by December 31st)

Individual / Family Calendar Year Deductible $50 / $150 $100 / $300 $100 / $300

Preventive Services (no deductible) 100% 80% (deductible waived) 80% of R&C* (deductible waived)Basic Services 80% after deductible 60% after deductible 60% of R&C after deductibleMajor Services 50% after deductible 40% after deductible 40% of R&C after deductible

Orthodontics (children up to age 19)60% 50% 50% of R&C

(Lifetime orthodontia maximum is $1,200)Weekly Rates

Associate Only $3.09Associate & Spouse $6.19Associate & Child(ren) $7.63Associate & Family $10.89

* Reasonable and Customary (R&C) charges are charges made by health insurance providers for a given medical service. If the service cost matches the general fee charged in your area, the insurance company then determines how much of the service cost it will cover based on the R&C information.

Key Features EyeMed In-Network

Exam Covered at 100% after $20 copay

Lenses Covered at 100% after $25 copay

Frames Covered at 100% up to $130, plus 20% discount on amount over $130

Contact Lenses Instead of Glasses Covered at 100% after $25 copay ($130 maximum)

Weekly RatesAssociate Only $0.89

Associate & Spouse $1.68

Associate & Child(ren) $1.77

Associate & Family $2.61

Participate in the Maximum Motivator Program

Know Your Vision RisksAccording to the Centers for Disease Control and Prevention, approximately half of American adults at risk for vision loss haven’t visited an eye doctor in the past year. Get an eye exam to find out your vision risks. If you enroll in vision coverage, your eye exam is covered. If you don’t enroll in vision coverage, consider enrolling in the Health Care FSA and using it to pay for the exam.

DENTAL & VISION |

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flexible spending accounts (fsas)

NBTY offers two types of FSAs that can help you save, no matter which plan you choose. • You can use the Health Care FSA for eligible health care expenses such as deductibles, copays, coinsurance,

prescription drugs, dental, and vision expenses.• You can use the Dependent Care FSA for eligible child and elder care expenses so you (and your spouse, if

married) can work or go to school.Each year, you can contribute up to $2,500 to the Health Care FSA and up to $5,000* to the Dependent Care FSA. Your entire Health Care FSA contribution amount is available to you right away, even if you haven’t made a deposit yet. However, Dependent Care FSA claims can only be reimbursed when you have accumulated enough money in your account to cover the claim. Your contributions go from your paycheck into your FSA before taxes are taken out. This lowers your taxable income, so you’ll pay less in taxes. Keep in mind, FSA dollars cannot be rolled over from year to year, so you must use all of your FSA balance during the calendar year or you will lose it at the start of the new year. Visit YBR for a complete list of eligible expenses. In accordance with local law, FSAs are not available for associates in Puerto Rico.

If you choose to participate in a Flexible Spending Account and you’re enrolled in NBTY’s medical, dental, prescription, and/or vision plans, your claims will be automatically reimbursed through Your Spending Account on the YBR website. If you prefer submitting manual claims, you can opt out of the automatic claim reimbursement program by calling the YBR Customer Service Center.

*Highly Compensated Employees (HCE) may have contribution limitations due to Non-Discrimination testing, as required by the IRS.

FLEXIBLE SPENDING ACCOUNTS |

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Life insurance

Basic Life InsuranceNBTY provides basic life insurance through Liberty Mutual in the amount of one times your annual base pay, rounded to the next $1,000, at no cost to you (maximum of $250,000).

Optional Life InsuranceYou can also purchase supplemental life insurance for yourself, your spouse, and your child(ren). How much your family might need depends on your situation (debts, expenses, etc.). Use the Estimate Your Life and Disability Needs tool on YBR before you enroll and be sure to choose beneficiaries so they can receive your life insurance benefit if you pass away. You’ll need to have the beneficiaries’ names, birth dates, and Social Security numbers handy when you enroll. Depending on your election, you may be required to submit Evidence of Insurability (EOI) to prove good health.• Associate Supplemental Life Insurance: If you’re eligible for basic life insurance, you can also purchase

associate supplemental life insurance from one to five times your base annual earnings (BAE) up to $750,000 with EOI. Rates are based on your age, salary, and the amount of insurance purchased. As a newly eligible associate or if you experience a life status change, you may purchase the lesser of three times BAE or $300,000 without EOI.

• Spouse Life Insurance: You can purchase one-half to three times your BAE of life insurance for your spouse.* Rates depend on your spouse’s age, your salary, and the amount of insurance purchased. Your coverage is limited to the lesser of associate basic plus supplemental insurance amount, or $400,000 (with EOI). As a newly eligible associate or if you experience a life status change, you may purchase up to $25,000 in coverage without EOI.

• Child Life Insurance: You can purchase $10,000 of coverage for your child(ren) up to age 26 (children less than 14 days old are covered at $2,000).* The amount you pay for child coverage is based on one flat rate, regardless of age and number of children covered. EOI is never required for child life insurance.

Basic Accidental Death and Dismemberment (AD&D) InsuranceNBTY provides basic AD&D insurance in the amount of one times your annual base pay, rounded to the next $1,000, at no cost to you through Liberty Mutual (maximum of $250,000). This coverage pays a benefit if you die or are seriously injured in an accident.

Rates for Tobacco Users

You’ll pay less for supplemental and spouse life insurance if you and/or your spouse are “non-tobacco users.” You’re considered a tobacco user if you have used tobacco products in the past 12 months.

What Is a Beneficiary?A beneficiary is the person who receives the death benefit when an insured member dies while covered under our insurance plan. Even if you’re not electing additional life insurance, you must complete beneficiary details on YBR since you automatically receive basic life and AD&D insurance. In the event a named beneficiary is not on file, your policy death benefit may go to your estate rather than to your loved ones. Be sure to update your beneficiary information on YBR at any time.

LIFE INSURANCE |

*You must enroll is supplemental life in order to elect coverage for dependents.

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other benefits

Disability InsuranceNBTY provides basic short term and long term disability insurance at no cost to you through Liberty Mutual. You also have the option to buy additional coverage in case basic disability insurance alone doesn’t meet your needs. Your initial eligibility period is your only opportunity to purchase supplemental short term or long term disability coverage without having to complete Evidence of Insurability (EOI).Use the Estimate Your Life and Disability Needs tool on YBR before you enroll.• Short Term Disability: If you can’t work because of a serious illness or injury, this benefit pays 50% of your

pay (up to $2,750), for up to 25 weeks after your first week of approved disability. Short term disability benefits begin after a 7 day waiting period of being continuously disabled. NBTY pays the full cost of this coverage.

• Supplemental Short Term Disability: You can also purchase supplemental short term disability coverage in addition to the company-paid plan for a total income replacement of 66 2/3 subject to a maximum benefit of $2,750 a week.

• Long Term Disability: This company-paid benefit pays 50% of your income up to $10,000 if you continue to be disabled after your short term disability benefits end.

• Supplemental Long Term Disability You can purchase supplemental long term disability coverage, which will replace an additional 10% of your annual base salary (for a total benefit pay replacement of 60%) up to $10,000 per month.

Legal ServicesNBTY offers legal coverage through Hyatt Legal Services. This option provides you and your eligible dependents with access to affordable, convenient legal services from in-network attorneys. There are no deductibles, copayments, waiting periods, claim forms, or limits on usage.Enrolling in legal coverage could be a wise option for you if you plan to use an attorney’s services for any of the following:• Document review and preparation• Will creation• Family matters• Real estate matters• Court appearances• Debt collection defense

Auto/Home/Pet InsuranceYou can insure your home, car, and pets at discounted rates with premiums that can be deducted from your paycheck. Complete information, including details on how to enroll, will be sent to you shortly after your hire date. Details are also available at mybenefits.metlife.com (use company name: NBTY). Enrollments are open throughout the year, and you can sign up at any time. Coverage is not available in Guam, Puerto Rico, or the U.S. Virgin Islands.

Employee Assistance Program (EAP) You have 24/7 access to resources that can help you with simple questions regarding, home/life issues, sudden emergencies or ongoing stress related to work or your personal life. As part of the EAP through Optum Health, NBTY provides help for an array of issues, including unlimited phone coaching and up to six in-person counseling sessions per issue. These services are free and completely confidential. You can contact Optum Health at 1.866.248.4096 or www.liveandworkwell.com (use access code NBTY).

If you work in California, Hawaii, New Jersey, New York, Rhode Island, or Puerto Rico, your NBTY short term disability benefits will be adjusted to reflect the value of any benefits you may be eligible to receive from your state’s disability insurance plan. You’ll be advised by Liberty Mutual if you’re eligible under a state plan. Your NBTY benefit, in combination with any state benefits, will replace either 50% or 66 2/3% (as applicable) of your weekly base pay, up to $2,750 per week.

OTHER BENEFITS |

http://mybenefits.metlife.com

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other benefits

Preventive Care at No CostPreventive care – services such as annual exams, vaccinations and contraceptives – is available to you at no cost when you enroll in one of the UnitedHealthcare medical plans. Should you enroll, be sure to take advantage of this benefit to check in regularly with your doctor and stay healthy. Call YBR at 1.855.668.5043 for more information.

Free Dental ExamsYou can receive up to two dental cleanings per year from an in-network provider if you participate in the Delta Dental PPO plan. These visits are 100% covered by the plan if you use an in-network provider under the Delta Dental PPO plan. Call YBR at 1.855.668.5043 for more information.

Tobacco Cessation AssistanceAvailable to all associates, NBTY’s free smoking cessation program is aimed to help you quit tobacco. This program is offered through Health Connect and can be accessed by doing the following: • For associates enrolled in NBTY medical coverage: call 1.877.731.8018 or visit

https://client.myoptumhealth.com/nbty.• For associates not enrolled in NBTY medical coverage: call 1.866.784.8454 or visit www.quitnow.net to

enroll in a smoking cessation program through Quit for Life.

Ways to Save on FunNBTY offers discounts on fun activities to all associates so that you and your loved ones can save money when spending time together. Visit YBR for more information on the Associate Perks Discount program and the link to the Associate Perks website.

On-call Healthcare AssistanceIf you’re enrolled in one of the NBTY medical plans, you can have your healthcare questions answered 24/7 by wellness coaches and nurses through our Health Connect program. These professionals can counsel you on wellness concerns and help keep you on track. Call 1.877.731.8018 to speak with someone today or visit https://client.myoptumhealth.com/nbty to speak with someone today.

OTHER BENEFITS |

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get enrolled

Ready to enroll? We’ll walk you through it. Before enrolling for the first time, create a list of family members you want to enroll (or include as beneficiaries), including their birth dates and Social Security numbers. Use the table below to make sure you have the information you need.

OnlineHere’s how to enroll in three easy steps: 1. Go to Your Benefits Resources at www.ybr.com/nbty to enroll in Medical, Dental, Vision, Life, Disability and

Group Legal plans2. Select Enroll on the home page3. Choose your benefits and submit your choices. Don’t forget to complete your enrollment by clicking the

green “Complete Enrollment” icon at the bottom of the enrollment page.

Over the PhoneCall the YBR Customer Service Center at 1.855.668.5043 to speak with a representative between 8am and 8pm, ET, Monday through Friday. Translators are available. Call MetLife direct at 1-800-GET-MET8 (1-800-438-6388) to enroll in Auto, Home and Pet Insurance.

One Last StepCongratulations! Your health and group benefits are all set. However, if you added dependents to your coverage, you have one more step to complete. YBR will mail you dependent verification paperwork once your enrollment window closes. Failure to submit proof of dependents will result in cancellation of dependent’s coverage.

Forgot Your User ID or Password?1. Go to www.ybr.com/nbty2. Click “I Forgot My User ID” or “I Forgot My Password”3. Enter your personal information to access your hint, if you have one on fileIf you still can’t remember your password, answer your security questions correctly or request a new password be emailed (or mailed) to you.

Enrollee Date of Birth Social Security Number

GET ENROLLED |

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retirement plan

The NBTY Retirement Plan offers a convenient, tax-advantaged way to help you save for the future. The Plan has two components:

401(k) ComponentWhen you contribute to the 401(k) plan, NBTY will match your contribution dollar for dollar of the first 3% you save, plus 50% of the next 2% you save for a maximum match of 4%. You automatically own all your contributions, NBTY’s match contributions, and investment earnings. You become 100% vested as soon as the money is deposited into your account.Fidelity will mail you an Enrollment Kit shortly before your 401(k) eligibility date. Once you’re eligible, you may begin, change, or stop your contributions to the plan at any time.You’ll become eligible once you are at least 21 years of age, are scheduled to work at least 1,000 hours per calendar year, and have completed six months of continuous employment. Eligibility then occurs on the first of the month following completion of eligibility.Please note: For Vitamin World Associates eligibility begins at store manager level and above.

Profit Sharing ComponentNBTY may contribute an additional amount to increase your retirement savings through a profit sharing contribution. If NBTY meets its annual performance goals and you’re an eligible participant, a contribution will be allocated to your plan account based on your eligible compensation.You’ll automatically become a participant in profit sharing on your one-year anniversary of employment with NBTY or your 21st birthday, whichever occurs later. Once you’re a participant, you must work 1,000 hours in the calendar year and be actively employed on December 31st of such year to receive any profit sharing contribution for that year.

General Plan InformationFor more information on the Retirement Plan, enrolling in the 401(k), checking your account balance, setting up your beneficiaries, changing your investment elections, or obtaining detailed plan information, go to Fidelity NetBenefits at www.401k.com or call 1.800.835.5095.

We know you want to make sure your loved ones are cared for. Your NBTY Retirement Plan allows you to designate beneficiaries who can receive your savings when it’s time. You must enter these beneficiaries on Fidelity NetBenefits separately, as your YBR beneficiaries won’t apply for your NBTY Retirement Plan funds.

RETIREMENT PLAN |

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valuable Information

Getting Claims Help: Participant Advocacy TeamThe Participant Advocacy service is available to help you resolve any conflicts you may have with any of your benefit plans, claims, or providers.Before you request assistance, you must make at least one attempt to resolve the issue directly with the benefit plan provider. If the issue requires advocacy assistance, the YBR representative will pass your issue on to the Advocacy Team to begin research.To reach the Advocacy Team, call the YBR Customer Service Center at 1.855.668.5043 and select the prompt to speak with an Advocacy Team representative.

Getting Eligibility Help: Claims and AppealsIf you have an eligibility issue for you or a covered dependent, Claims and Appeals can help. Claims and Appeals is a special group of YBR representatives dedicated to assisting you with your eligibility claims issues. Call the YBR Customer Service Center at 1.855.668.5043 for assistance. Claims and Appeals will conduct an initial review and determination.

When Your Benefits EndIf you leave NBTY, you may be eligible to continue your health care coverage under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). Information about continuation of coverage and the conditions and requirements for getting this coverage will be sent to your home address. In addition, you can call the YBR Customer Service Center at 1.855.668.5043 to speak with a representative, or go to YBR at www.ybr.com/nbty.FSA contributions, life insurance, short term and long term disability coverage end on your last day worked at NBTY, but health care coverage (medical, dental, vision) ends on the last day of the month in which any of the following occur:• You terminate employment• Your dependents are no longer eligible• The benefit plan is discontinuedYour NBTY Retirement Plan participation ends on your last day worked at NBTY. Contact Fidelity Investments at www.401k.com or 1.800.835.5095/1.800.587.5282 Español to review your options for your plan account.

VALUABLE INFORMATION |

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KEY CoNTACTS

For Questions About Contact Call Visit/Email [Plan/Group ID]

Medical UnitedHealthcare 1-888-756-7295 www.myuhc.com 902917

Prescription Drug Caremark1-888-543-5896

1-800-237-2767 Specialty Pharmacy

www.caremark.com RX6351

Health Connect UHC Optum 1-877-731-8018 https://client.myoptumhealth.com/nbty N/A

Dental Delta 1-800-932-0783 www.deltadentalins.com 02325

Vision EyeMed 1-866-723-0514 www.eyemedvisioncare.com 1002086

401(k)/Profit Sharing Fidelity 1-800-835-50951-800-587-5282 (Español) www.401k.com 21046

Flexible Spending Your SpendingAccount (YSA) 1-855-668-5043 www.ybr.com/nbty 16453

Disability Insurance/ Leave of Absence Liberty Mutual 1-888-692-3017 www.mylibertyconnection.com Company Code:

benefits

Employee Assistance Program (EAP) Optum Health 1-866-248-4096 www.liveandworkwell.com Access Code: NBTY

Smoking Cessation

Health Connect 1-877-731-8018 https://client.myoptumhealth.com/nbty N/A

Quit for Life 1-866-784-8454 www.quitnow.net N/A

Auto, Home & Pet Insurance MetLife 1-800-438-6388 www.mybenefits.metlife.com 0154437

Group Legal Hyatt 1-800-821-6400 www.info.legalplans.com Access Code: 6090608

Medical & Dental (Hawaii) HMSA 1-808-948-6111 www.hmsa.com 74020-1-9

Medical & Dental (Guam) StayWell 1-866-782-9955 www.staywellguam.com 1-01199

Medical & Dental (Puerto Rico) Triple-S 1-787-774-6060 www.ssspr.com SP0000537

Advocacy Aon Hewitt 1-800-622-1200 www.aonhewittadvocacy.com N/A

KEY CONTACTS |

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Regional Variations for Associates in Hawaii, Guam, and Puerto Rico

Hawaii Associates*• Your medical and dental coverage is provided through HMSA.• You may choose between two different medical plans: Health Plan Hawaii (an EPO-style plan with in-network

coverage only) and the Preferred Provider Plan (a PPO-style plan allowing out-of-network services at a higher cost).

• EyeMed vision is not available but certain vision care services are covered via medical.• You may choose between two dental plans: the Dental Network Program (an HMO with in-network coverage

only) and the Participating Provider Dental Program (a PPO with in- and out-of-network coverage).• The plan year for medical and dental coverage runs from July 1 to June 30 each year.• Your annual enrollment period for medical and dental coverage is each June.• All other coverage (life insurance, FSA, disability, group legal, and vacation sell) that you elect during annual

enrollment is in effect for the entire calendar year.• Biometric screening is not available to associates in Hawaii.

Guam Associates*• Your medical and dental coverage is provided through StayWell via a single plan option for each plan.• EyeMed vision is not available but certain vision care services are covered via medical.• You must enroll for all coverage during annual enrollment.• Auto/Home/Pet Insurance is not available to associates in Guam.• Biometric screening is not available to associates in Guam.

Puerto Rico Associates*• Your medical and dental coverage is provided through Triple-S via a single plan option for both types of

services.• EyeMed vision is not available but certain vision care services are covered via medical.• Health Care and Dependent Care FSA are not offered in Puerto Rico, as required under local tax law.• You must enroll for all coverage during annual enrollment.• Auto/Home/Pet Insurance is not available to associates in Puerto Rico.• Biometric screening is not available to associates in Puerto Rico.

* Plan Summaries and costs can be found on the YBR website.

appendix

APPENDIX |

2016 benefits enrollment guide - …images.vitaminimages.com/corp/nbty/nbty_2016... · enrollment...

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