1. finance
2. personal finance
3. insurance
4. health insurance

2015 BENEFITS USER GUIDE
MYBENEFITS
For Staffing, Corporate Services and Protiviti
employees, and Salaried Professionals
This guide provides information to help you transition to your new 2015 Robert Half
benefits, as well as tips for using your benefits year-round.
If you have any questions about your new benefits, call the Mercer Marketplace at
855.879.6739. Representatives are available Monday through Friday, 4 a.m. – 7 p.m.
Pacific time.
You can also contact the carrier directly using the phone numbers and websites noted
on page 6.
MYBENEFITS
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2015 BENEFITS USER GUIDE
MEDICAL BENEFITS
FINDING A DOCTOR
Before you go to the doctor, ask yourself:
■■ Does
the doctor participate in the network? You can see any doctor, but you pay less when
you go to an in-network doctor. To find one:
Enrolled in a Kaiser Plan?
If you chose a Kaiser
medical plan, you must
receive all of your care
through Kaiser healthcare
providers. There are no
out-of-network benefits,
except in an emergency.
To find a Kaiser provider,
including doctors, hospitals
and pharmacies, go to
kp.org and select “Find a
Doctor.”
Anthem
Cigna
■■ Go
■■ Go
to anthem.com/ca
■■ Select
■■ Select
“Find a Doctor”
State:
--In California, select Blue Cross PPO
Prudent Buyer Large Group
to cigna.com
■■ Select
“Find a Doctor” and “Select a Plan”
■■ Click
on “Open Access Plus, OA plus, Choice
Fund OA Plus WITH CareLink”
--Otherwise, select National PPO (Blue
Card PPO)
■■ What
will the doctor charge for a service? Treatment costs vary by location, provider type
and more. Even in-network doctors working in different parts of town may charge different
amounts. For many procedures, you can use the tools on the Anthem or Cigna websites to find
out in advance what the doctor may charge for your visit.
Contracts or agreements between doctors or healthcare facilities and insurance carriers may
change or terminate at any time. In addition, a network facility can contract with a non-network
specialist. Be sure to check with the facility or provider to understand the costs and services,
especially if you are planning a surgery or a major treatment. Generally, in-network doctors,
specialists and facilities have contracted rates with your insurance carrier and can provide better
pricing for the same service or treatment.
Not Sure How Urgently
You Need Care?
Call your medical plan’s 24/7
nurse line. You’ll speak to a
registered nurse who can
help you determine if you
need care and how quickly.
Anthem: (866) 784-2643
Cigna: (800) 244-6224
Kaiser:
Northern CA: (866) 454-8855
Southern CA: (888) 256-2039
Colorado: (800) 218-1059
Georgia: (404) 365-0966
Oregon/WA: (800) 813-2000
Mid-Atlantic: (800) 677-1112
Hawaii (Oahu): (808) 432-7700
[after hours: (808) 432-7700]
Hawaii (Maui): (800) 243-6400
[after hours: (800) 467-3011]
Hawaii (Big Island):
(808) 334-4400
[after hours: (800) 467-3011]
USE YOUR PREVENTIVE CARE
Preventive care helps identify potential health risks when they may be easier and less costly
to treat.
■■ Use
an in-network doctor. The plan covers preventive care at 100% when you receive care
from an in-network provider.
■■ Know
what’s covered. In-network preventive care services, such as physical examinations,
related laboratory and X-rays, well-women tests, mammograms, prostate and colorectal
(including colonoscopy) screenings, and immunizations, excluding travel vaccines, are covered at
100%, subject to certain age-appropriate and frequency guidelines.
KNOW WHERE TO GO FOR IMMEDIATE CARE
■■ In
an emergency: Life-threatening emergencies should be handled by your local emergency
room or emergency medical services (dial 9-1-1 in most areas).
■■ In
a non-emergency (but care is needed right away): You have options:
--Visit a network urgent care center. Go to your carrier’s website to search for in-network urgent
care centers.
--Call your in-network doctor to see if you can schedule an immediate or after-hours
appointment.
MYBENEFITS
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2015 BENEFITS USER GUIDE
RESOURCE TO HELP ADDRESS A MEDICAL CONDITION
If you or a family member experiences a major health event, or has a serious disease or chronic
condition, it’s important to know you have resources in addition to your personal doctor or
specialist:
■■ Confirm
a complex diagnosis and your treatment options. When you or a covered
family member receives an uncommon medical diagnosis, Best Doctors® can help you
confirm your condition and better understand the treatment options. To get started, go to
members.bestdoctors.com or call 866.904.0910.
■■ Get
help managing a health condition. If you are an Anthem or Cigna member, you can use
Mercer Health Advantage (MHA) to help coordinate your complex medical care. For additional
information, call the number below to connect with a member of the Mercer Health Advantage
clinical team:
--Anthem: 844.594.6178
--Cigna: 800.CIGNA24
MANAGE YOUR HEALTH SAVINGS ACCOUNT (HSA)
WHEN
COVERAGE
BEGINS
If you’re enrolled
in the $1,500 Deductible
Plan or the $2,500 Deductible Plan, be sure to:
■■ Get started now (if you haven’t already)
If you enroll within the 30 days of your eligibility date, your Robert Half benefits will become
--Activate your HSA debit card (this is integrated with your FSA card, if applicable).
effective as of your eligibility date.
--Register online with Discovery Benefits at accounts.mercermarketplace.com.
For Salaried
Professionals,
“eligibility
--Designate
a beneficiary
online.date” means the first day of the month following or coinciding
with the completion of 30 days of service. For all others, “eligibility date” means the first day of the
■■ Manage your HSA during the year
month following or coinciding with your date of hire.
--Log on to accounts.mercermarketplace.com regularly during the year
If you enroll
during
yourtransaction
benefits willand
generally
be effective
--Check
yourOpen
claimsEnrollment,
and balances,
contribution
history,beginning
account January 1
of the following
year.and more.
statements,
--Learn more about HSA fees, interest rates, investment options, and using the HSA to
For more information regarding coverage upon a qualifying event, contact the Mercer Marketplace
pay providers or reimburse yourself.
at 855.879.6739.
--Start, stop or change your contributions at any time through Mercer Marketplace. Keep in
mind that you must make contributions to receive the Robert Half matching contribution.*
As a reminder, there are many benefits to using a health savings account:
■■ The
money in your account is always yours. Like salary deferrals into your 401(k) plan
account, your HSA and the money in it are yours and can’t be forfeited. Unlike a Healthcare
Flexible Spending Account, funds automatically roll over at the end of each year, and you
can take your account with you if you change health plans, leave the company or retire.
■■ Your
account earns interest. HSA balances are interest-bearing and FDIC insured.
Discovery Benefits calculates and compounds interest monthly, and credits it to your HSA
each month on the last business day of the statement cycle.
■■ You
can invest the money in your account. Once your balance reaches $1,000, you
can invest in a selection of mutual funds available through Discovery Benefits. Any interest
and investment gains you earn are tax-free, as long as the money is used to pay for eligible
healthcare expenses. Go to accounts.mercermarketplace.com to see the available
investment options.
■■ The
account offers tax advantages. The money you and the company* add to an
HSA is not taxed by the federal government and, in some cases, the state, providing tax
advantages on:
--Contributions to the account
--Interest and earnings on the account
--Withdrawals for eligible medical expenses
* Salaried Professionals are ineligible to receive company matching contributions.
MYBENEFITS
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2015 BENEFITS USER GUIDE
PRESCRIPTION DRUG BENEFITS
FILL A PRESCRIPTION
Ask about Generic
Medication
Did you know that generic
medications are less
expensive than brandname drugs? When you’re
prescribed a medication,
talk to your doctor about
lower-cost options.
If you enrolled in one of the Anthem or Cigna medical plans, use your Express Scripts prescription
ID card when purchasing your prescription. If you enrolled in the Kaiser plan, use the Kaiser
Medical ID card to purchase your prescription.
You have two options for filling a prescription:
■■ When
you need it immediately: Use an in-network pharmacy to pay lower costs.
--Find a participating pharmacy. For Anthem or Cigna plans, go to express-scripts.com. For
Kaiser, go to kp.org.
--Present your prescription drug card when picking up your prescription.
■■ For
medications you take regularly: Sign up for mail order.
--This convenient, money-saving service gives you up to a 90-day supply at a reduced cost
compared to retail pharmacies.
--Once you’ve received your first prescription through mail order, you can refill and renew your
prescriptions, as well as receive free standard shipping.
DENTAL BENEFITS
FINDING A DENTIST
Before you go to the dentist, ask yourself:
■■ Does
the dentist participate in the network? You can see any dentist, but you pay less
when you go to an in-network dentist. To find one, go to deltadentalins.com. The Plan covers
preventive care at 100% when you receive care from any Delta Dental contracted dentist.
Non-contracted dentists may balance-bill above the Delta Dental plan allowance.
■■ What
will the dentist charge for a service? Treatment costs vary by location, provider and
more. Even in-network dentists working in different parts of town may charge different amounts.
A simple way to determine what insurance will pay is to ask your dentist for a free pre-treatment
estimate from Delta Dental.
USE YOUR PREVENTIVE DENTAL BENEFITS
Preventive care is also important for your teeth and gums.
■■ Use
any dentist. The Plan covers preventive care at 100% when you receive care from
any Delta Dental contracted dentist. Non-contracted dentists may balance-bill above the
Delta Dental plan allowance.
■■ Know
what’s covered. Preventive dental care includes twice-annual exams and cleanings, two
annual bitewing X-rays, and coverage for sealants until the age of 19.
MYBENEFITS
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2015 BENEFITS USER GUIDE
VISION BENEFITS
CHOOSING AN EYE DOCTOR
Before you go to the eye doctor, ask if he or she participates in the network. You can see any eye
doctor, but you pay less when you go to an in-network provider. To find an in-network eye doctor,
go to vsp.com.
FLEXIBLE SPENDING ACCOUNTS
INCUR ELIGIBLE EXPENSES between
JANUARY 1 – DECEMBER 31, 2015 only.
When you have eligible healthcare or dependent care expenses, you can:
■■ Pay
with your FSA debit card at the point of service. You will receive an ID card for
your FSA (integrated with your HSA card, if applicable).
■■ Pay
for the expense out of your pocket, and then submit a claim for reimbursement.
--By fax: 855.717.6571
--Online: accounts.mercermarketplace.com
REMEMBER!
Any FSA funds not used by
the end of the year will be
forfeited. Be sure to incur
expenses and submit claims
by the deadlines!
To see a list of eligible expenses, go to:
■■ Healthcare
FSA: Publication 502 at irs.gov/publications/p502/index.html.
■■ Limited
Propose Healthcare FSA: Publication 502 at
irs.gov/publications/p502/index.html.
■■ Dependent
Care FSA: Publication 503 at irs.gov/publications/p503/index.html.
FILE CLAIMS BY MARCH 31, 2016
You have until March 31, 2016, to submit claims for reimbursement on any eligible expenses you
incurred from January 1 – December 31, 2015.
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Everyone can use some help once in a while. The EAP offers free, one-on-one counseling and
referrals for topics like:
■■ Marriage
■■ Parental
■■ Child
■■ Legal
or family counseling
guidance
and senior care
consultation
■■ Financial
counseling
■■ Emotional
■■ Alcohol
or mental health assistance
or drug abuse
■■ Work/life
balance
Call Magellan Health at 800.424.4485 anytime. You can also receive up to eight face-to-face
sessions per topic with a counselor. Please visit magellanhealth.com/mmx for additional details.
SHOP FOR DISCOUNTS
Through PerkSpot, you have 24/7 access to exclusive prices, discounts and
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updated frequently.
Go to roberthalf.perkspot.com to start shopping.
MYBENEFITS
PAGE 6
2015 BENEFITS USER GUIDE
FIND HELP FAST
If you have questions or need information about the Robert Half employee benefits program, please contact the Mercer Marketplace
at 855.879.6739. Representatives are available Monday through Friday, 4 a.m. – 7 p.m. Pacific time.
You also can contact the carriers directly using the information below.
Plan
Carrier/Vendor
Telephone
Email/Website
Medical/Prescription
Anthem
844.594.6178
anthem.com/ca
Cigna
800.CIGNA24
cigna.com
Kaiser
Georgia: 888.865.5813
California: 800.464.4000
Northwest: 800.813.2000
Colorado: 800.632.9700
Mid-Atlantic: 800.777.7902
Hawaii: 800.966.5955
kp.org
Express Scripts
844.604.9159
express-scripts.com
Health Savings Account
(HSA)
Discovery Benefits
877.248.0510
accounts.mercermarketplace.com
Best Doctors
Best Doctors
866.904.0910
members.bestdoctors.com
Accident, Critical-Illness,
Hospital Indemnity
Insurance
Allstate
800.521.3535
allstatevoluntary.com/mercermarketplace/
Dental
Delta Dental
800.765.6003
deltadentalins.com
Vision
VSP
800.877.7195
vsp.com
Flexible Spending
Accounts (FSAs)
Discovery Benefits
877.248.0510
accounts.mercermarketplace.com
Life and AD&D Insurance
Voya (ING)
855.879.6739
None
Short and Long-Term
Disability
Liberty Mutual
800.291.0112
MyLibertyConnection.com
Employee Assistance
Program (EAP)
Magellan Health
800.424.4485
magellanhealth.com/mmx
Permanent Life Insurance
Allstate
800.521.3535
allstatevoluntary.com/mercermarketplace/
Identity Theft Protection
InfoArmor
800.789.2720
infoarmor.com/exchange
Auto and Home Insurance
MetLife
800.438.6381
metlife.com/group-auto/mpe/index.html?
promoid=V3215&ibp-adgroup=metlife36&WT.
mc_id=ad004089#auto
Legal Assistance
Hyatt Legal
800.821.6400
None
Pet Insurance
VPI
800.540.2016
petinsurance.com
Discount Mall
PerkSpot
866.606.6057
roberthalf.perkspot.com
If there is any discrepancy between the information presented here and the applicable official plan document, the official plan document will govern how your
benefits are determined and administered. Robert Half reserves the right to terminate, suspend, withdraw or modify the benefits described in this document, in
whole or in part, at any time.
© 2015 Robert Half International Inc. An Equal Opportunity Employer M/F/Disability/Vet.