2020 Member Guide for the HSA Plus PlanAetna, Anthem, Cigna, CVS Caremark

Plan Features Your Medical Plan in Action

Medical Plan Carrier Information Healthcare Services

Medical and Prescription Drug ID Cards

Non-Emergency Care Options

Your Health Savings Account What to Do in an Emergency

Health Savings Account Tips Prescription Drug Coverage

Use this guide to make the most of your medical plan. Inside, you’ll find information about:

What’s Inside

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Qualified Status Changes

The coverage you chose during your enrollment period is for all of 2020 unless you have a qualified status change, such as marriage, the birth of a child or your spouse/domestic partner losing or gaining medical coverage. If you have a qualified status change, you have 31 days to update your coverage at UPoint > Life Changes.

Visit UPoint to learn about Health Insurance Portability and Accountability Act (HIPAA) Special Enrollment Rights that may allow you to change your coverage (for example, add a dependent) outside of your enrollment period if you qualify.

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Taking care of your health is a lot easier when you know how your medical plan works. This guide can help you be ready to use your plan’s comprehensive medical and prescription drug coverage when you need it. Let’s start with the basics.

Save on Care with Network Providers

When possible, use providers in your plan’s network because they offer discounted rates on services. That means you’re usually charged less than someone without insurance. Keep these things in mind about out-of-network providers:

• Generally, with an out-of-network provider, your costs are higher than with network providers (see chart on next page).

• You pay more in coinsurance (40% vs. 20%) when you use out-of-network providers.

• Out-of-network providers may charge more than the plan’s Reasonable & Customary (R&C) charge. The R&C charge is based on a fee schedule similar to Medicare’s. You’re responsible for any amounts billed over the R&C charge.

• Prescription medications aren’t covered at out-of-network pharmacies.

Coverage That’s Got Your Back

You’re covered for a variety of health services, such as chiropractic care, acupuncture, addiction treatment, infertility treatment, speech therapy, physical therapy and applied behavior analysis (ABA) therapy. See what else is covered in the Summary of Benefits and Coverage (SBC) at Total Rewards Library > Plan Documents.

Looking for a new doctor?You can find a doctor in your plan’s network by visiting your carrier’s website (p. 5).

Plan Features

Prevention Is Key

When you use providers in your plan’s network, preventive care is covered at 100%, before meeting the annual deductible. Preventive care services covered at 100% include:

• Physical exams

• Health screenings

• Certain immunizations

• Certain prescription medications on the HSA Preventive Therapy Drug List, including insulin

Visit your medical plan carrier’s website and the CVS Caremark website to see the preventive services that are covered at 100%.

Chiropractic Care

Speech Therapy

Acupuncture Physical Therapy

ABA Therapy

Addiction Treatment

Infertility Treatment

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HSA Plus Plan

Health savings account

Deductible

Coinsurance Out-of-pocket maximum

EE contribution **

McKesson contribution

Network Out-of-networkNetwork*** Out-of-network

You Pay You Pay

EE* $0-$2,800 $750 $2,125 20% 40% $4,625 $7,125

EE + SP/DP* or EE + Child(ren) $0-$6,000 $1,100 $3,175 20% 40% $6,925 $10,675

EE + Family $0-$5,600 $1,500 $4,250 20% 40% $9,250 $14,250

* EE = employee. SP/DP = spouse/domestic partner. ** There’s an embedded individual out-of-pocket maximum of $6,850. Once an individual meets the individual out-of-pocket maximum of $6,850, the plan

pays 100% of all eligible expenses for that person, even if the family out-of-pocket maximum hasn’t been met.

Your annual deductible is the amount you pay for office visits,

prescription drugs and other covered services before your plan begins sharing the cost.

The most you pay in a year for covered services is called the

out-of-pocket maximum. After you reach the out-of-pocket

maximum, the plan pays 100% of covered services for the

remainder of the plan year.

Coinsurance kicks in after you meet your annual deductible.

It’s the percentage you and your plan each pay when you’re

sharing costs.

Annual Deductible

Know the Lingo

+ =

Out-of-Pocket MaximumCoinsurance

What’s the “Plus” in HSA Plus?

The HSA Plus plan comes with a McKesson contribution to your health savings account. McKesson’s contribution puts the word “Plus” in the plan’s name. See p. 8 for contribution details.

STOP

Plan Features

Explanation of Benefits (EOB) An Explanation of Benefits (EOB) is a summary of your claims. It isn’t a bill. Your medical plan carrier processes your claims and sends you an EOB that shows how much the plan paid, how much you paid and what you may still need to pay out of pocket.

Review your EOB carefully before paying your provider and call your medical plan carrier if you have questions. If you want to review your claims activity or need additional information, visit your medical plan carrier’s website.

TIP Use providers in your plan’s network, when possible. Out-of-network providers can charge you for the difference between their billed charges and what your plan covers. You also pay more in coinsurance at out-of-network providers.

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Medical Plan Carrier Information

AK

WA

OR

CA

NV

ID

MT

WY

UT

AZ NM

CO

ND

SD

NEIA

MO

AR

LA

MS AL

FL

GA

SC

NCTN

IL

WI

MN

MI

INOH

KYVA

WV

PA

NY

VTNH

ME

MA

RICT

NJDE

MD

KS

OK

TX

DC

Carrier by State

Check out the map to see the McKesson medical plan carrier for your state. Your medical plan benefits are the same no matter which state you live in.

Carrier Contact Information

If you have questions about how your plan works, contact your carrier. Be sure to register on your medical plan carrier’s and CVS Caremark’s websites and download their apps to search for network providers in your area, access online tools and learn how you can use your medical and prescription medication benefits more effectively.

Aetna Anthem Cigna

Aetnawww.aetna.com877.286.39008 am - 6 pm your local time, M-F

Anthemwww.anthem.com/ca866.820.07636 am - 9 pm Mountain time

Cignawww.myCigna.com800.244.6224Available 24/7

CVS Caremarkwww.caremark.com800.378.0822Available 24/7

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How to Print a Temporary ID Card

If you lose your medical or prescription drug ID card, or if you’re waiting for both ID cards to come in the mail, you can print temporary ones. You need to register on your plan carrier’s website before you can print your card.

AetnaLog on to www.aetna.com and select View Member ID Cards. Electronic copies of ID cards are available using the Aetna Health app.

AnthemLog on to www.anthem.com/ca and select My Plan, then click ID Card to print or download at temporary ID card. Electronic copies of ID cards are available using the Anthem Anywhere app.

CignaLog on to www.myCigna.com and select ID Card in the upper right corner of the page. Then, select Print or Request an ID Card.

CVS CaremarkGo to www.caremark.com, select Plan and Benefits and choose Print Member ID Card.

Medical and Prescription Drug ID Cards

View ID Cards on Your Carrier Apps

Download your medical plan carrier’s app for 24/7 access to your medical ID card. Then download the CVS Caremark app for 24/7 access to your prescription drug ID card.

If you’re a new HSA Plus plan member, you’ll receive a new medical ID card in the mail. If you were an Aetna member last year and switched from the HSA to the HSA Plus plan, you can continue using your current medical ID card.

If you’re already an HSA Plus plan member, you can continue using your current medical ID card. If your medical plan carrier changed, you get a new medical ID card.

If you’re a new CVS Caremark member, you’ll get a CVS Caremark prescription drug ID card. Take your medical and prescription drug ID cards with you whenever you visit the doctor or pharmacy.

All Anthem members get a new medical ID card and CVS Caremark prescription drug ID card for 2020.

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5 Reasons to Love Your Health Savings Account

You call the shots when it comes to spending, investing or saving the money in your health savings account.

A health savings account is a personal account you can use to save money for eligible medical, prescription drug, dental and vision expenses. Here are the top five reasons to put money in a health savings account.

McKesson contributes to your account each year you’re enrolled in the HSA Plus plan. McKesson’s contribution amount depends on your coverage:

You get three tax breaks.

There's no deadline to spend your money. The money in your account carries over each year and is yours to keep whether you change medical plans, leave McKesson or retire.

You can invest the money in your account to help meet long-term financial goals and build a nest egg for healthcare expenses in retirement.

First breakYou may pay less taxes by lowering your taxable income with before-tax or tax-deductible contributions to your account.*

Second breakYou aren’t taxed on withdrawals you make to pay eligible medical, prescription drug, dental and vision expenses.

Third breakYour account’s interest, dividends and capital gains aren’t taxed, unless you live in one of the few states that tax them.**

1.

4.

3.

2.

5.

$750 Employee Only

$1,100 Employee + Spouse/Domestic Partner or Employee + Child(ren)

$1,500 Employee + Family

Savings TipConsider saving as much as you can in your health savings account. You can use the money in your account to pay your deductible amount with before-tax dollars. Or, save and invest the money in your account for healthcare expenses in retirement.

* As of 2019, California and New Jersey tax the money you and McKesson put in your health savings account. If you live in one of these states, you may need to pay state income tax on the money you contribute to your health savings account.

** As of 2019, California, New Hampshire, New Jersey and Tennessee tax health savings account interest, dividends and capital gains. New Hampshire and Tennessee only tax dividend and interest earnings after a certain dollar amount, depending on whether you’re filing individually or jointly. If you live in one of these states, talk to your tax advisor.

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IRS Contribution Limits

The IRS limits how much you can put into your health savings account in 2020. Keep in mind that any contribution McKesson makes to your health savings account also counts toward the IRS limits. This is how much you can contribute after you get the McKesson contribution:

Employee + Spouse/Domestic Partner or Employee + Child(ren) Coverage

Employee Only Coverage

Employee + Family Coverage

Health Savings Account Tips

If you’re eligible for a health savings account for only part of the year, be sure to stay at or under the monthly IRS limit to avoid taxes and penalties. You can learn more in the Health Savings Account FAQs at www.mckesson.com/totalrewardslibrary > Financial Health.

If you’re 55 or older in 2020, you can contribute up to an additional $1,000 ($83.33 per month).

$6,000/year $500.00/month

$2,800/year $233.33/month

$5,600/year$466.66/month

Activate Your Account

If you’ve never activated your health savings account before, you’re missing out on all the benefits your account has to offer. Here’s what you need to do if you already accepted the Health Savings Account Terms & Conditions on UPoint:

1. Log on to www.netbenefits.com.

2. Click Activate in the Health Savings Account box.

3. Follow the prompts to activate your health savings account.

If you enrolled during Annual Enrollment (November 4-15, 2019), the last day you can activate your account and still get McKesson’s contribution is March 30, 2020.

If you enrolled after Annual Enrollment, you need to activate your account within 90 days of the day your medical coverage starts to get McKesson’s contribution. 90

days

March 30

2020

Update Your Contribution Amount Anytime on UPoint You can start, stop or change your health savings account contribution anytime during the year. Click the HSA Contribution tile on UPoint or call the HR Support Center at 855.GO.MCKHR (855.466.2547) and press 1. Your changes are applied to your remaining pay periods for the year as soon as administratively possible.

TIP If you haven’t already accepted the Terms & Conditions on UPoint, when you log on to www.netbenefits.com, you can expect to see the word Open in the Health Savings Account box. Click it and follow the prompts to activate your account.

Check Out the Health Savings Account FAQs You’ll find details about eligibility, investment options, contribution limits and just about anything else you ever wanted to know about how health savings accounts work. Go to Total Rewards Library > Financial Health > Health Savings Account FAQs.

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Health Savings Account Tips

What can I pay for with my health savings account?

Technically, you can withdraw money from your health savings account for any reason. If you use it to pay for an eligible healthcare expense, such as a doctor’s visit or a lab test, your withdrawal is tax-free. If you withdraw money for an ineligible expense, you’ll pay a 20% penalty tax on top of normal income tax.

If you’re 65 or older, the 20% penalty tax doesn’t apply, but you’ll still need to pay income taxes on ineligible expenses.

See a list of eligible expenses at www.mckesson.com/totalrewardslibrary > Financial Health.

Paying With Your Health Savings Account

Once you activate your health savings account, Fidelity mails you a health savings account debit card, which you can swipe at your provider’s office.

• If you pay out of pocket for an eligible expense, you can reimburse yourself later from your health savings account at www.netbenefits.com or through the Fidelity mobile app.

• If your expense is eligible under IRS rules, you’re not taxed on your withdrawal.

• Be sure to keep all your receipts in case you’re ever audited by the IRS.

What if I have an HSA-compatible healthcare flexible spending account (FSA) too?

A good rule of thumb is to use your HSA-compatible healthcare FSA to pay for eligible dental and vision expenses and your health savings account to pay for eligible medical and prescription drug expenses. That’s because your FSA is a “use-it-or-lose-it” account, which means you need to spend your balance by December 31 of each year, or you lose it.

There’s no deadline to spend the funds in your health savings account, so it makes sense to use your FSA first for eligible dental and vision expenses, then use your health savings account if your FSA funds run out.

Watch a short video about the difference between health savings accounts and FSAs at www.mckesson.com/totalrewardslibrary > Financial Health.

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Network Claims

Let’s see how the claim process works for Luke’s visit with a network doctor.

1. Luke shows his medical ID card at his doctor’s office.

2. After Luke’s visit, his doctor submits a claim to Luke’s medical plan carrier.

3. Luke’s medical plan carrier processes the claim.

4. Because Luke hasn’t met his deductible, he’ll have to pay the full cost of his doctor’s visit. Luke can pay out of pocket or use money from his health savings account. Either way, the payment counts toward his deductible and out-of-pocket maximum. If Luke had already met his deductible, the plan would’ve paid 80% of his bill for covered services. Luke would be responsible for paying the other 20%.

5. Luke’s medical plan carrier sends him an Explanation of Benefits (EOB) listing the total cost of each service, amounts paid by the plan, and the amount Luke is responsible for paying. Luke can also log on to his medical plan carrier’s website or app to view the EOB online.

6. Luke’s doctor sends him a bill for the full amount of his visit. And because Luke’s doctor is in the plan’s network, Luke pays a discounted rate for his visit. Luke checks his bill against the EOB and contacts his medical plan carrier if he has questions. He can then pay the balance out of pocket or use money from his health savings account. Either way, the payment counts toward his deductible and out-of-pocket maximum.

If Luke’s bill is for a small amount, he may want to consider paying out of pocket so he can save the money in his health savings account for future expenses.

Out-of-Network Claims

Let’s see how Luke’s claim process works when he visits an out-of-network doctor.

1. Luke shows his medical ID card at the doctor’s office.

2. Luke may need to pay at the time of his visit. If his doctor says he/she will submit a claim form for Luke, Luke skips to step 4.

3. If Luke’s doctor doesn’t submit a claim for him and he pays out of pocket or with his health savings account, Luke has to download a claim form from his medical plan carrier’s website, complete the form and submit it to his carrier.

4. Since Luke hasn’t met his deductible, he’ll have to pay the full cost of his doctor’s visit. Luke can pay out of pocket or use money from his health savings account. Either way, the amount Luke pays for the Reasonable & Customary (R&C) charges applies toward his deductible and out-of-network out-of-pocket maximum. If Luke had already met his deductible, the plan would’ve paid 60% of the R&C charge. Luke would be responsible for paying the other 40% and the full amount above the R&C charge.

5. Luke’s medical plan carrier processes his claim, pays his doctor, if his expenses are eligible, and sends Luke an EOB listing the total cost of each service, amounts paid by the plan, and the amount Luke is responsible for paying.

6. The doctor sends Luke a bill if he still owes money. Because Luke’s doctor is out of network, he pays a higher rate for his care. Luke can pay the balance out of pocket or use dollars from his health savings account. Keep in mind, any amounts billed above the R&C charge don’t apply toward Luke’s deductible or out-of-pocket maximum.

If Luke doesn’t have enough money in his health savings account at the time to cover the expense, he can pay out of pocket and reimburse himself once he contributes more funds to his account.

Example

Let’s take a closer look at how the HSA Plus plan works with network and out-of-network providers. You may need to tell your doctor’s office about the plan’s claim process. Your medical ID card has contact information for your providers to use if they have questions.

Meet Luke

Luke is enrolled in the HSA Plus plan. After hiking with friends, Luke develops a bad rash. Let’s compare how his medical plan works at network and out-of-network providers.

Your Medical Plan in Action

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Healthcare Services

Your medical plan includes access to the following healthcare services at no additional cost to you or your family.

Get an Expert Second Opinion from Best Doctors

When you have concerns about a treatment plan or serious diagnosis, such as cancer or other health condition, Best Doctors has a network of more than 50,000 physicians in more than 450 medical specialties ready to provide an expert second opinion and answers to your questions. Best Doctors is available at no cost to you and your covered family members. Learn more at www.mckesson.com/totalrewardslibrary > Additional Healthcare Benefits.

Get a New Hip or Knee Without Paying an Arm and a Leg

You (or a covered family member) may be eligible to get a hip or knee replacement at little or no cost to you through the Centers of Excellence (COE) program. The program gives you access to world-class hospitals and surgeons so you can get the best care and lower your risk of complications. Find out more at www.mckesson.com/totalrewardslibrary > Additional Healthcare Benefits.

Bring Out the Colors in Your Child’s Learning

If you care for a child or adult with developmental, behavioral, social or learning challenges, Rethink is for you. Rethink is free to you, your family and caregivers. Get one-on-one virtual consultations with learning and behavior experts and 24/7 access to tools that can help you and your support team understand, teach and communicate better with your child. Learn more at www.mckesson.com/totalrewardslibrary > Additional Healthcare Benefits > Rethink — Resources for parents.

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Nurse Advice Line

Call the free nurse advice line when you:

• Have a headache, sprain or other non-emergency symptom.

• Need help deciding whether to visit a doctor, urgent care clinic or emergency room.

Call the number on your medical ID card to get connected with the nurse advice line.

Retail Clinics

Visit a retail clinic when:

• Your doctor’s office is closed.

• You need help with a sinus infection, non-severe burn, or another common symptom or minor injury.

Retail clinics are available at many local pharmacies, not just CVS. Find a network clinic through your medical plan carrier’s website or by calling the phone number on your medical ID card.

Urgent Care Clinics

Visit an urgent care clinic when you need attention right away for symptoms or injuries that are serious but not life-threatening.

Visit your medical plan carrier’s website to find a network urgent care clinic near you.

* State laws regarding telemedicine vary. ** Available on the App Store®, Google PlayTM and Windows Store. Teladoc is available on the App Store and Google Play only.

Non-Emergency Care Options

Telemedicine

Feeling too sick to get out of bed, have questions about medication side effects or don’t want to wait for an appointment with your doctor? Save time and use your plan’s telemedicine service.* Telemedicine allows you to talk to a doctor about non-urgent health concerns through video streaming on your laptop, tablet or mobile device. This means that you can make an appointment, speak to a doctor and get a treatment plan without leaving your bed. Visit your telemedicine provider’s website to see if your a telemedicine visit is appropriate for the care you need.

AetnaTeladoc teladoc.com 855.835.2362 App: Teladoc**

Anthem LiveHealth Online livehealthonline.com 888.548.3432App: LiveHealth Online Mobile**

Cigna• MDLIVE

mycigna.com 888.726.3171 App: myCigna**

• Amwell mycigna.com 855.667.9722 App: myCigna**

Savings TipChoose the right option for care. Save emergency room visits for true emergencies and keep costs down by using the nurse advice line, retail walk-in clinics, telemedicine, your doctor’s office and urgent care for non-emergency concerns. Learn more at Total Rewards Library > Healthcare Benefits > Find the Right Help for Sniffles, Cuts and Emergencies.

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What to Do in an Emergency

If you have an emergency, get medical help right away. You pay for emergency care like any other eligible expense. If coinsurance applies, the plan pays 80% of the cost whether you get care from a network or out-of-network provider. However, you may have higher out-of-pocket costs if you use an out-of-network provider.

What’s an Emergency?

An emergency is a severe medical condition (including severe pain and/or unexpected symptoms during an illness or after a serious accident) that would cause a reasonable person to expect that the absence of immediate medical attention will result in placing the health or survival of the individual in serious jeopardy, seriously impair bodily functions or cause serious dysfunction to a bodily organ or part. Examples include coughing or vomiting up blood, chest pain or severe shortness of breath, major injury or broken bones, sudden or unexplained loss of consciousness or symptoms that may be life-threatening or disabling.

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Prescription Drug Coverage

All Other Prescription Medications

You need to meet your medical plan’s annual deductible to get discounts on prescription medications not on the HSA Preventive Therapy Drug List. In the chart below, you can see what you pay before and after meeting your deductible.

Before Meeting Deductible After Meeting Deductible

You pay the full cost for prescription medications not on the HSA Preventive Therapy Drug List.

Generic medications You pay 20%. The plan pays 80%.

Preferred brand-name medications You pay 20%. The plan pays 80%.

Non-preferred brand-name medications You pay 40%. The plan pays 60%.

You pay the full cost of prescription medications when you use out-of-network pharmacies. Use pharmacies in your plan’s network for discounted prices on your prescription medications.

CVS Caremark administers your prescription drug coverage. Your coverage is only accepted at pharmacies in the CVS Caremark network, which includes thousands of retail chain and independent pharmacy locations, such as Health Mart®. Pharmacies in the CVS Caremark network offer discounted rates on your medications. This means you're usually charged less than someone without insurance.

Prescription Medications on the HSA Preventive Therapy Drug ListPrescription medications on the HSA Preventive Therapy Drug List bypass the plan’s annual deductible.

Generic medications and insulin You pay 0%, the plan pays 100%.

Preferred brand-name medications (other than insulin) You pay half the normal coinsurance.

See if your medication is on the list and view other drug lists, such as the Performance Drug and Comprehensive Specialty Pharmacy Drug lists, at Total Rewards Library > Healthcare Benefits > Costs, Pharmacies and Medication Lists.

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TIP

Prescription Drug Coverage

Support for Chronic ConditionsIf you or a family member enrolled in your medical plan take prescription medications for asthma, diabetes, heart disease, high blood pressure or high cholesterol, consider working with a condition support manager. Your support manager can help you understand your condition, answer questions and follow your doctor’s treatment plan. Find your condition support manager in the chart below.

CarrierCondition

Support ManagerPhone Number

AetnaAetna In

Touch Care877.286.3900

Anthem Condition Care 866.820.0763

CignaPersonal

Health Team800.244.6224

Paying for Prescription MedicationsYou can pay for your prescription medications out of pocket or with money from your health savings account. Eligible prescription medication expenses count toward your plan deductible and your out-of-pocket maximum.

If you meet your out-of-pocket maximum, the plan pays 100% of the cost of covered prescription medications.

Register Online and Download the App When you get your CVS Caremark ID card, be sure to register on the CVS Caremark website at www.caremark.com and download the CVS Caremark app to access information on network pharmacies, cost of medications, drug lists and other tools.

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Aetna www.aetna.com 877.286.3900 8 am - 6 pm your local time, M-F

Anthem www.anthem.com/ca 866.820.0763 6 am - 9 pm Mountain time

Cigna www.myCigna.com 800.244.6224 Available 24/7

CVS Caremark www.caremark.com 800.378.0822 Available 24/7

UPointdigital.alight.com/mckesson Review and manage your benefits.

Total Rewards Librarywww.mckesson.com/totalrewardslibraryFind information 24/7 about health and wellness programs from any device connected to the internet.

HR Support Center855.GO.MCKHR (855.466.2547) Press 1 for the McKesson Benefits Center for Health and Vitality questions. Benefit experts are available 7 am - 6 pm CT, M-F. Oprime 1 para asistencia en español a través del McKesson Benefits Center.

Fidelity Investmentswww.netbenefits.com800.544.3716 7:30 am - 7 pm CT, M-F. Activate and manage your health savings account.

Resources for Living®888.425.6174 www.resourcesforliving.com(username: mckesson, password: eap)The Employee Assistance Program (EAP) offers free, confidential support 24/7 for everything from child care referrals to addiction counseling. No problem is too big or too small.

Yammer Join the MCK Health FYI group on Yammer to share health tips, memes and words of encouragement with your coworkers. Connect to Yammer through McKNet.

McKesson reserves the right to modify, terminate or amend benefit plans/provisions at its discretion at any time and for any reason. This document summarizes highlights of some of our benefit plans. This document also serves as a “summary of material modifications” to our benefit plans in accordance with the requirements of the Employee Retirement Income Security Act of 1974, as amended (ERISA). Please keep this document with your copy of the Summary Plan Description.

August 2020