2016 IBM Benefits Program Overview - IBM - United States€¦ · 2016 IBM Benefits Program ... •...

1 © 2014 IBM Corporation

2016 IBM Benefits Program Overview


Agenda• IBM Benefits Overview

• Healthcare Enrollment Choices

• Tobacco Surcharge

• Health Savings Account (HSA) Incentives

• Commit to Health Incentives

• CafeWell

• Administrators, Alternate Networks and Plan Administrators Contact Information

• Global Assignee Healthcare Plan

• IBM Care Management Program

• Managed Pharmacy Program

• Dental Benefits

• Vision Plan and Vision Discount Card

• Monthly Contributions and Medical Plan Opt Out Credit

• Flexible Spending Accounts

• Dependent Eligibility

• New IBMer Enrollment

• Additional Benefit Programs

• Available Resources

• Appendix


Overview of IBM Benefits

Key Features:

• Health Benefits Portfolio that provides strong support for employee well-being and preventive care, comprehensive coverage to meet a range of medical situations and solid protection against the cost of serious illness or injury

• Retirement Program that helps build future financial security through the 401(k) Plus Plan and other capital accumulation programs

• Income Protection in case of serious illness, injury or death, including life insurance and disability benefits

• Opportunity to follow leisure pursuits through vacation and holiday programs

IBM offers a competitive benefits program, designed to help employees

build a solid financial foundation and meet a diverse array of needs


IBM Healthcare Enrollment ChoicesMedicalo PPOo PPO Pluso Exclusive Provider Organization (EPO) o PPO w/HSAo PPO Plus w/HSAo HMO (Where available) o Global Assignee Medical Plan (For

Employees working Outside US) o No Coverage Credit for Medical

Dentalo Dental Basico Dental Pluso Cigna DMA (Where available)o No Coverage

Health Savings Account (HSA)o $250 self-only/$500 family IBM deposit (pro-

rated)o Earn additional IBM Commit to Health

Incentives up to $550 self-only/$1,100 family

Visiono IBM Vision Plano Vision Discount Cardo No Coverage

Flexible Spending Accountso Health Care Spending Accounto Dependent Care Spending Accounto No Coverage

Long Term Disability (LTD)o 50%o 66 2/3%o No Coverage

IBM Commit to Health Incentiveo Earn up to $300 in taxable cash rebates

4


IBM Medical Plan Options

• IBM PPO Provides in- and out-of network coverage, available at a low cost for employee-only coverage

• IBM PPO Plus Provides a higher level of benefits than the IBM PPO, in exchange for higher monthly contributions

• IBM Exclusive Provider Organization (EPO) You must use network providers in order to receive benefits; you pay either a coinsurance or a fixed copayment, depending on the service

o Higher Contributions with No Deductible

o Co-pays for Inpatient Hospital and Surgery

• IBM PPO with Health Savings Account (HSA) Features a health savings account with IBM contributions of $250 self-only/$500 family (pro-rated based on date of hire), with additional incentives available, but requires the highest deductible; available at no cost for employee-only

• IBM PPO Plus with Health Savings Account (HSA) Features a health savings account with IBM contributions of $250 self-only/$500 family (pro-rated based on date of hire), with additional incentives available, but requires higher deductible; available at low cost for employee-only

• HMO Provides care through a specific network of providers and pay fixed co-pay for medical services; participants are not covered for care received outside of HMO network

• IBM Global Assignee Medical Plan is an indemnity plan for employees on International Assignment working in other countries

* A broad provider network is available for the PPO and EPO plan options; HMOs available in certain locations


Your Medical Options At-A-GlanceThe chart below shows what you pay for covered services under each IBM medical option. Information for HMOs is available from your Benefits Election page on netbenefits.com/ibm.

There is no lifetime benefit maximum for eligible services received in-network; a $1 million lifetime benefit maximum applies for out-of-network care.

Annual Deductible1

(Individual/Family)

Annual Out-of-Pocket

Maximum2

(Individual/Family)

Routine Preventive

Services

Other Office Visits and

Outpatient Surgery

Urgent Care and Walk-in

Clinics

Inpatient Hospital and

SurgeryEmergency Room Other Services4

IBM PPO with HSA ►►►

►IBM will contribute $250 self-only/$500 family to your HSA and you can earn up to $550 self-only/$1,100 family in tax-free incentives to be deposited in your HSA◄◄◄

◄

In-Network

$2,700 / $5,8005

$6,550 / $13,100 $0, no deductible PCP3: $0, after deductible

SCP3: 25%, after

deductible

25% after deductible 30%, after deductible 30%, after deductible

plus $150 copay (copay

waived if admitted)

30%, after deductible

Out-of-Network $15,750 / $28,350 45%, no deductible 45%, after deductible 45%, after deductible 45%, after deductible 45%, after deductible

IBM PPO Plus with HSA ►►►

►IBM will contribute $250 self-only/$500 family to your HSA and you can earn up to $550 self-only/$1,100 family in tax-free incentives to be deposited in your HSA◄◄◄

◄

In-Network

$2,100 / $4,2005

$6,550 / $13,100 $0, no deductible PCP3: $0, after deductible

SCP3: 25%, after

deductible

25% after deductible 30%, after deductible 30%, after deductible

plus $150 copay (copay

waived if admitted)


Out-of-Network $15,750 / $28,350 45%, no deductible 45%, after deductible 45%, after deductible 45%, after deductible 45%, after deductible

IBM PPO

In-Network $1,4000 / $4,200 $6,850 / $13,700 $0, no deductible PCP3: $0, no deductible

SCP3: 25%, no deductible

25% after deductible Facility: 20%, after

deductible

PCP3: 20%, after

deductible

SCP3: 25%, after deductible

20%, after in-network

deductible plus $150

copay (copay waived if

admitted)


Out-of-Network $2,500 / $7,500 $15,750 / $28,350 45%, no deductible 45%, after deductible 45%, after deductible 45%, after deductible 45%, after deductible

IBM PPO Plus

In-Network $350 / $700 $6,350 / $9,500 $0, no deductible PCP3: $0, no deductible

SCP3: 25%, no deductible

25% after deductible Facility: 20%, after

deductible

PCP3: 20%, after

deductible

SCP3: 25%, after deductible

20%, after in-network

deductible plus $150

copay (copay waived if

admitted)


Out-of-Network $2,500 / $7,500 $15,750 / $28,350 45%, no deductible 45%, after deductible 45%, after deductible 45%, after deductible 45%, after deductible

IBM EPO

In-Network $0 / $0 $6,850 / $13,700 $0 PCP: $0

SCP: 25%

25% $950 copay $200 copay plus $150

copay ($150 copay

waived if admitted)

$0 for X-rays, DME and prosthetics; 20%

for other imaging services

1Annual deductible applies to medical

and mental health/substance abuse

services combined.2Prescription drug coinsurance and

copayments apply to the annual out-of-

pocket maximum. 3PCP = Primary Care Physician; SCP =

Specialty Care Physician4Other Services include: imaging, X-

rays, durable medical equipment (DME),

prosthetics and lab services (no

deductible for lab); precertification is

required for CT scans, MRIs, sleep

studies, and cardiac studies.5If you enroll in Family coverage under

an HSA-eligible health plan option, you

must meet the Family deductible before

the plan begins to pay benefits.

Individual deductibles do not apply.

Note: For Out-of-Area options, benefits

for medical services will be paid at the

in-network level for all IBM PPO options.

Mental health/substance abuse care will

be paid at the in-network level if care is

pre-certified and provided by an in-

network provider (or other provider if

there is no in-network provider at your

location).


Tobacco Surcharge

• A $50 per month surcharge will apply if you and/or your enrolled spouse/domestic partner have used any tobacco products within six months of the date your IBM medical coverage begins

o The $50 monthly surcharge will apply for each individual indicating tobacco use

o Surcharge helps offset the additional healthcare costs typically incurred by tobacco users

• Employees or spouse/domestic partner will have the opportunity to receive a full refund of surcharges paid upon the successful completion of health plan administrator’s Smoking Cessation Program within 6 months or by December 31, 2016, whichever occurs first

• During enrollment, you will be asked to choose from the following options for yourself and a separate option for your spouse/domestic partner:

o Non-Tobacco User: Select this option if you have not used any tobacco products within the last six months

o Tobacco User: Select this option if you have used any tobacco products within the last six months and do not wish to participate in your health plan administrator’s tobacco cessation program

o Cessation Program: Select this option if you have used any tobacco products within the last six months but agree to complete a cessation program


IBM PPO or PPO Plus with Health Savings Account (HSA)

• The HSA lets you use tax-free dollars to pay for current healthcare expenses or save for future healthcare needs

• For 2016, IBM will contribute $250 self-only/$500 family (pro-rated based on date of hire) to an HSA for active employees who enroll in the IBM PPO with HSA or the IBM PPO Plus with HSA

• Additional incentives may also be earned ranging from $550 self-only coverage to $1,100 family coverage; incentives earned will be deposited into your HSA

• In order to receive the IBM contribution or any earned incentives you must open an HSA account with Fidelity. Additional forms and agreements required

• Employees may contribute up to the annual contribution limit of $3,350 for single coverage and $6,650 for a couple or family set by the Internal Revenue Service (IRS)

• Unlike a Health Care Spending Account, unused HSA funds remaining at the end of the plan year are not forfeited and remain inyour account

• Deductible and out-of-pocket maximum are administered differently compared to other plan options:

o Those who enroll one or more dependents:

oMust meet the Family Deductible before the plan will pay benefits for covered services

oMust meet the Family Out-of-Pocket Maximum before plan will begin paying 100% for the remainder of the year

o Certain preventive prescription drugs, however, are not subject to the deductible

• You may not contribute to an HSA if:

o You or your spouse participates in a health care flexible spending account


IBM Health Savings Account (HSA) Incentives

Take Action!Be Rewarded!

Individual Family

Automatic HSA Seed from IBM $250* $500*

Complete IBM's Commit to Health Incentive Program activities of your choice via CaféWell by December 1st

$275 per program ($550 total)

2 for Employee

$275 per program ($1,100 total)

2 for Employee + 2 for covered spouse/

domestic partner

Total Available HSA Incentives $800 $1,600

Earn up to $800 for individuals or $1600 for families in your HSA!

Apple Watches will be available for employees who enroll in an HSA-eligible medical plan option. The watch and associated apps will help you monitor and improve various health and wellness behaviors. The watch will be provided at no cost, but the value (approximately $375) must be treated as taxable income.

* Prorated based on date of hire and after enrollment into Fidelity HSA

© 2014 BM Corporation

IBM’s Commit to Health Incentive Program

HSA based medical plan options:

• Employee $250 HSA seed + $550 HSA

incentives (two $275 incentives), plus

option for Apple Watch

• Covered family additional $250 HSA seed

+ additional $550 HSA incentives (two

additional $275 incentives)

Non-HSA based medical plan options:

• Employee $300 cash incentive (two $150

rebates), with option to receive a Fitbit in

exchange for 1 rebate program

• Family none

Opt-outs:

• Employee $300 cash incentive (two $150

rebates), with option to receive a Fitbit in

exchange for 1 rebate program

• Family none

Diabetes

Nutrition

Fitness

Blood Pressure

Stress

Medication

Care Decisions

Maternity

Device Option (based on medical plan choice)

Program Choices (examples)

Personalized Instrumented Rewarded

Accessible through CaféWell beginning

in January (www.cafewell.com/ibm)


Incentives provide:• Financial incentives (vary based on medical plan choice)• Access to personal health devices • Programs to best meet personal health needs and interests

Incentive options include:• Zipongo nutrition tool: full of personalized recipes, meal plans, and grocery store discounts • Smiling Mind mindfulness app: brief mindfulness trainings and exercises designed to improve

attention, decrease stress, and support well-being• Physical Activity: accumulate 30 workouts in a variety of ways – using a fitness device, heart rate

monitor, a class at the gym, and more• Healthy pregnancy support• Clinical health coaching• Healthcare transparency tools• Employee Assistance Program (EAP)

Access the incentive programs by getting started on CaféWell (cafewell.com/ibm). 11

IBM sponsors the Commit to Health Incentive Program, your personalized health and wellness experience.

Commit to Health Incentive Program

© 2014 BM Corporation12

IBM sponsors the Commit to Health Incentive Program, your personalized health and wellness experience

Commit to Health Incentive Program

Covered spouses / domestic partners can participate depending on your medical plan – encourage them to enroll

•If you enroll in the IBM PPO with HSA or IBM PPO Plus with HSA: you can earn up to $550 individual coverage / $1,100 family coverage in incentives, deposited in your HSA. You and your covered spouse/ domestic partner can each complete two programs worth $275 per program.

Note: If you only have covered child dependents, you will be able to earn all of the incentives on behalf of the family.

•If you enroll in the IBM PPO, IBM PPO Plus, IBM EPO, an HMO or opt-out: you can earn up to $300 in incentives, treated as taxable income in your paycheck. You can complete two programs worth $150 per program.

Note: Your family will not be eligible for incentives if you choose a non-HSA or if you opt out of medical coverage.


A Consolidated Experience on CaféWell

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IBM Watson Technology with CaféWell Concierge!

� CaféWell Concierge for IBM includes access to the following content:– IBM Health Benefits–Healthcare101–Healthy Body (Exercise 101)–Healthy Eating (Nutrition 101)–Healthy Dining Finder–Nutritional Values/Fat Secret–Preventive and General Wellness

� “Ask Concierge” by simply select a topic, and ask Concierge your benefits or health related question. Using IBM Watson, Concierge will then provide you with answers. Help us improve the accuracy of the responses by providing "thumbs up" or "thumbs down" feedback.

What should I ask Concierge/Watson?Give it a try!

14

Where is the closest healthy restaurant?

How much is my deductible?

What is a co-pay?


IBM Medical Plan Administrators by State

Albany/Poughkeepsie/ Binghamton/Endicott

VT

NY MA

RICT

ME

NH

MD

PA NJ

NC

WVVA

ALMS

KY

TN

AR

LA

FL

GA

SC

IL

WIMI

OH

OK

TX

MO

IA

MN

IN

AZ

SD

NDMT

NE

KS

NM

WA

COUT

WY

NV

ORID

CA

DCDE

HI

AK

Aetna

Anthem Blue Cross Blue ShieldMVP

UnitedHealthcare

•Plan Administrators for IBM PPO, IBM PPO Plus, IBM EPO, IBM PPO with Health Savings Account, IBM PPO Plus with Health Savings Account

Please note: In certain limited areas where a robust provider network is not available, employees will be offered Out-of-Area IBM PPO, IBM PPO Plus, IBM PPO with HSA and IBM PPO Plus with HSA plan options which are administered by United Healthcare.


Anthem Alternate Networks for Certain LocationsState Service Area Alternate Network

Georgia Entire State Blue Open Access POS

Kansas Kansas City (Includes Counties of Johnson & Wyandotte) Preferred Care Blue PPO

Missouri

Kansas City (Includes the Counties of Andrew, Atchison,

Bates, Benton, Buchanan, Caldwell, Carroll, Cass, Clay, Clinton, Daviess, Dekalb, Gentry, Grundy, Harrison, Henry, Holt, Jackson, Johnson, Lafayette, Livingston, Mercer, Nordaway, Pettis, Platte, Ray, Saline, St. Clair, Vernon, and Worth)

St Louis (Includes the city of St. Louis and the Counties of

Franklin, Jefferson, St. Charles, St. Louis and Warren)

Preferred Care Blue PPO &

Blue Access Choice

New Hampshire Entire StateBlue Choice Open Access POS

New York

NY City and Suburbs (Includes Doctors & Hospitals in 28

Eastern NY Counties: Albany, Bronx, Clinton, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Kings, Montgomery, Nassau, New York, Orange, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Warren, Washington, and Westchester)

Empire POS

Tennessee Entire State Network S

I. Alternate Networks apply to those enrolled in the IBM PPO, PPO Plus, EPO or High Deductible PPO or PPO Plus w/ HSA in these service areas.II. If you reside in one of these areas you must use a provider that participates in the alternate provider network when obtaining services to receive the higher, In-

Network Benefit. If you use a provider that does not participate in the alternate provider network you will receive the Out-of-Network Benefit (or No Benefits if you are in enrolled in the IBM EPO) and your Out-of-Pocket costs will be higher.

III. Outside these areas, you will have access to the Blue Card PPO network.IV. Many providers participate in both the current Anthem network and the alternate provider network. Go to www.anthem.com to check your provider’s participation.

Select “Find a Doctor”, enter the provider your seeking (The name if you know it) or use the Specialty drop down box. From the Search Results page, choose “Insurance Options, ” choose “Add/Edit Selections.” A new window will open. Enter the state where you reside, choose “Alternate Network” for the type of Health Medical Plan and choose your alternate network from the drop down menu. Select “Search” to see your In-Network providers. You should also confirm your provider’s participation directly with your provider by giving him/her the specific name of your alternate network as shown above.


IBM Health Plan Administrator Contacts

IBM Self Insured MedicalPlan Administrators: Aetna Anthem BC & BS MVP UnitedHealthcare

Customer Services Hours Mon-Fri, 8:00 am - 6:00 pm (ET) Mon-Fri, 8:00 am - 6:00 pm (ET)Mon-Fri, 8:00 am - 8:00 pm. (ET)

Sat., 8:00 am - 4:00 pm. (ET)Mon-Fri, 8:00 am - 8:00 pm (ET)

Phone Number 888-725-1841 800-238-6597 800-765-3773 877-222-4261

TTY 877-301-5038 800-241-6895 800-662-1220 877-218-7138

Outside US 860-273-0123 845-695-4505 518-370-4793 (call collect) 877-265-9200

Web Address www.aetna.com www.anthem.com www.mvpselectcare.com/ibm www.myuhc.com

Login Details Not Required Not Required Not Required Not Required

Carrier Name Aetna Inc Anthem Blue Cross Blue Shield MVP Select Care UnitedHealthcaare

Group Contract Number 719982 0003330081 N/A 401010

Network NameAetna Choice POS II

(Open Access)Refer to Page 9 for Network

DetailsMVP Select Care UHC Choice Plus

Prescription Drug Administrator

CVS/caremark

Customer Service Hours 24 hours a day, 365 days a year

Phone Number 855-465-0030

TTY 800-863-5488

Outside US 855-465-0030

Web Address www.caremark.com

Mental Health & Substance Abuse Administrator

Optum

Customer Service HoursClaims Customer Service: Mon-Fri,

8:00 am - 7:00 pm (ET)


TTY Dial 711 and enter 800-445-9720

Outside US 267-216-3277

* The HMO Plan Administrator contacts are located within the HMO Plan Detail Sheets on the Transition Website

** Plan Administrator web sites have current information on participating Network Providers

*** The IBM Employee Services Center is available @ 800.426.2008 before Date of Hire & @ 800.796.9876 after DOH


IBM Health Plan Administrator Contacts - Continued

IBM Dental Basic & Plus Plans

MetLife

Customer Service HoursMon-Fri, 8:00 am - 11:00 pm (ET); Automated

System, 24 hours per day/7 days per week


TTY 800-843-2896

Outside US AT&T Access Code + 1-866-989-8542

Web Address www.metlife.com/MyBenefits

CIGNA Dental Maintenance. Alternative

Cigna

Customer Service Hours Available 24 hours a day/ 7 days a week

Phone Number 800-CIGNA24

Web Address www.cigna.com

IBM Vision Plan Anthem Blue View Vision


Web Address www.anthem.com

Login Details Employer ID = IBM

EyeMed Discount Card EyeMed Vision Care


Web Address www.eyemedvisioncare.com

Dental Options

Vision Options

IBM Global Assignee Medical Plan

CIGNA Global Health Benefits

Customer Service Hours24 Hours per day / 7 Days per week / 365 Days

per year

Phone Number: North America Clients

In US: 1.800.441.2668International: Use the country AT&T Code or

+1.302797.3100 (Reverse Charges Accepted)

Direct Fax 302.797.3150

Web Address www.cignaenvoy.com

Global Assignee Medical Plan


IBM Global Assignee Plan• Available to employees on International Assignments and for business-initiated Global IBMers; Administered by Cigna Global Health

Benefits

• Provides Medical, Dental and Vision Coverage

• Annual Deductible: $100 Single / $200 Family

• Annual Out-of-Pocket Maximum:

o In-Network: $2,000 Single / $4,000 Family

o Out-of-Network: $3,000 Single / $6,000 Family

• Medical Coverage Highlights:

o Preventive Medical and Wellness Care covered @ 100%

o Coinsurance: 80% In-Network / 60% Out-of-Network (Applies to services received in US only)

o Prescription Drug Coverage

o Emergency Evacuation and Repatriation Benefits @ 100%

o Immediate access to on-duty Physicians around the world (via telephone)

o Access to Nurses and/or Medical Clinicians throughout the world & coordination of Hospital Admissions

o Guaranteed/advance payment of hospital and clinic fees

o A dedicated 24/7/365 Multilingual Help Line

• Vision Coverage

o Annual Eye Exam at 100% Reimbursement

o $200 per year allotted for Frames, Lenses, or Contacts per year

• Dental Coverage

o 100% of Eligible Preventive Care and 2 Routine Exams per year

o 80% of Basic Restorative Care (Fillings, Extractions, etc.)

o 50% of Major Restorative Care (Crowns, Bridges, etc.)

o $2,000 per individual Calendar Year Maximum

o Orthodontia (dependent children under age 19), $2,000 lifetime maximum

• A complete Summary Plan Description Document will be available during the open enrollment period


IBM Care Management Program• Expert help in managing health conditions and risks

• For participants in the IBM PPO, IBM PPO Plus, IBM PPO with HSA, IBM PPO Plus with HSA, and IBM EPO (excluding the Health Partners EPO).

• IBM's Care Management Program is designed to provide resources and telephonic support for employees and covered dependents with complex medical issues, chronic conditions, personal health risks, or basic medical questions. These services are offered at no cost to you and are completely voluntary. Program services include:

o 24/7 Nurse Line

o Treatment Decision Support

o Care Coordination

o Maternity Management

o Condition Management

o Wellness Coaching


IBM Managed Pharmacy Program

• CVS/caremark administers the IBM Managed Pharmacy Program

• Covers IBM employees enrolled in the IBM PPO, IBM PPO Plus, IBM EPO, IBM PPO with HSA, IBM PPO Plus with HSA Plan and all out-of-area (OOA) plan options

• Those enrolled in the IBM PPO with HSA and IBM PPO Plus with HSA must meet the deductible before the IBM Plan pays a coinsurance (except for preventive drugs).

• Members will save on out-of-pocket costs when they choose generic over brand name drugs

• Some prescriptions require prior authorization

• CVS/caremark provides negotiated prices on prescription drugs at 64,000+ network pharmacies and through the CVS/Caremark mail order service.

• You can get up to three fills at a retail pharmacy (original prescription plus two refills) and then you must get a 90 day supply. Participants can choose to receive their 90-day maintenance medication prescriptions through CVS/caremark mail order or at one of the 7,100 CVS/caremark Pharmacy locations nationwide for the same price

• Medications classified as specialty medications must be ordered through the CVS/caremark specialty pharmacy

• View information on new prescription Benefits, including drug costs, network pharmacy locations and the formulary list at: www.caremark.com/ibmactives

• Customer Service Team for IBM is available at: 855-465-0030 (TTY: 800-863-5488) 24 hours a day, 7 Days a week


IBM Managed Pharmacy Program

• Provisions of the IBM Managed Pharmacy Program apply if your prescription drug coverage is administered by CVS/caremark.

• Please refer to Your Medical Plan Options At-A-Glance for the applicable out-of-pocket maximum for each plan option. Additionally:

o Under both the IBM PPO with HSA and the IBM PPO Plus with HSA plan options, benefits are not payable until the annual deductible is met; however, preventive drugs are not subject to the deductible. If more than one individual is enrolled, the family deductible must be met; individual deductibles do not apply.

o For all IBM PPO plan options and the EPO plan option, the amount you pay out-of-pocket for eligible prescription drugs counts toward your out-of-pocket maximum.


Dental BenefitsBelow is a summary of the dental options with plan features IBM offers:

Plan Feature IBM Dental Basic IBM Dental Plus CIGNA DMA

Annual Deductible None

In network: None

Out-of-network: $50 per person (Waived for Preventive Care)

None

Annual Benefit Maximum (Excludes Orthodontia)

$500$2,000 per person (Excludes orthodontia)

None

Lifetime Benefit Maximum None None None

Diagnostic/Preventive Care

In network: No charge

Out-of-network: 20% of U&P plus any amount over the U&P

In network: No charge


No charge

Minor Restorative Care

In network: 20% of negotiated fee




No charge

Major Restorative Care Not covered


Out-of-network: 35% of U&P rate plus any amount over the U&P

Copayments vary ($0 - $350)

Orthodontic Treatment Not covered



Up to $2,450 (24 Months)

Orthodontic Lifetime Benefit Maximum

N/A$2,500 per person

(In and Out-of-Network combined)None


IBM Vision Plan• The IBM Vision Plan provides coverage for standard eye exams, glasses and contacts

• Participants can receive benefits from In or Out-of-Network providers

• Out-of-Network reimbursement is based on a schedule of benefits

• The Vision Plan is administered by Anthem Blue View Vision

• Anthem is available by phone at: 855-765-4552 or online: www.anthem.com

• An ID Card will be issued on enrollment

Below is a summary of coverage:

Plan Feature In-Network Out-of-Network

Annual eye exam Full eligible charge Up to $35

Glasses - Lenses

Single vision: Covered @ 100%

Bifocal: Covered @ 100%

Trifocal: Covered @ 100%

Single vision: up to $25

Bifocal: up to $40

Trifocal: up to $55

Lens OptionsAdditional Savings on lens options (i.e.,

Polycarbonate, progressive, transition and anti-reflective coating)

Additional Savings Not available

Frames $120 Allowance, then 20% off balance Up to $35

Contact Lenses

Elective:- Conventional Lenses: $120, then 15% off balance

- Disposable Lenses: 120 Allowance

- Non Elective: Covered in Full

Elective:- Conventional Lenses: Up to $105

- Disposable Lenses: Up to $105

- Non Elective: Up to $165

Laser Vision Correction SurgerySavings available via www.anthem.com/special offers

See any provider

Eligible Providers Go to www.anthem.com See any provider

Filing Claims Providers file claims on your behalfYou pay for services then submit the bill to Anthem for reimbursement


Vision Discount Card

• EyeMed is IBM’s Administrator for the Vision Discount Card

• The free EyeMed Vision Discount Card enables you to save money on eye exams, eyewear and other vision care services from EyeMed’s nationwide network of providers

• Up to 40% Savings on Frames, Lenses, Lens Options and Contact Lenses

• You can choose to enroll in the IBM Vision Plan or in the EyeMed Vision Discount Card, but not both

• Questions about discounts available or to locate a provider can be directed to EyeMed Vision Care directly at: 855-245-0621


2016 Monthly Contributions for Full Time Employees

* These Contributions are for Full Time active and Long Term Supplemental employees with no dependents on Medicare

** HMO Contributions will vary by Plan and are affected by Plan Experience and Geography. They will be available on

NetBenefits or can be provided by the IBM Employee Services Center during enrollment.

Plan Cost for EmployeeCost for Spouse orDomestic Partner

Cost for Each Child (Up to 6)

IBM PPO $16 $252 $146

IBM PPO Plus $75 $321 $181

IBM EPO $96 $342 $191

IBM PPO with HSA $0 $102 $71

IBM PPO Plus with HSA $11 $198 $119

HMO (National Average is listed; actual cost will vary by HMO)

National Avg. = $103 (Cost varies by HMO)

National Avg. = $350 (Cost varies by HMO)

National Avg.= $193 (Cost varies by HMO)

IBM Dental Basic $23 $23 $16

IBM Dental Plus $53 $53 $34

CIGNA Dental Maintenance Alt. $38 $38 $25

IBM Vision Plan $8.90 $8.90 $8.90

EyeMed Vision Discount Card $0 $0 $0


2016 Monthly Contributions for Part-Time EmployeesWorking 27 – 32 Hours Per Week

* These Contributions are for Part Time employees working 27-32 hours a week with no dependents on Medicare

** HMO Contributions will vary by Plan and are affected by Plan Experience and Geography. They will be available on NetBenefits or can be provided by the IBM Employee Services

Center during enrollment.

Plan Cost for EmployeeCost for Spouse or Domestic Partner


IBM PPO $76 $282 $161

IBM PPO Plus $135 $355 $198

IBM EPO $156 $376 $208



HMO - National Average is listed; Cost will vary by HMO)

National Avg. = $160(Cost varies by HMO)

National Avg. = $378(Cost varies by HMO





IBM Vision Plan $8.90 $8.90 $8.90



2016 Monthly Contributions for Part-Time EmployeesWorking 20 – 26 Hours Per Week

* These Contributions are for Part Time employees working 20 - 26 hours a week with no dependents on Medicare

** HMO Contributions will vary by Plan and are affected by Plan Experience and Geography. They will be available on NetBenefits or can be provided by the IBM Employee Services

Center during enrollment.

Plan Cost for EmployeeCost for Spouse or Domestic Partner


IBM PPO $117 $303 $172

IBM PPO Plus $176 $374 $207

IBM EPO $197 $395 $218



HMO - National Average is listed; Cost will vary by HMO)

National Avg. = $199(Cost varies by HMO)






IBM Vision Plan $8.90 $8.90 $8.90



Medical Plan Opt Out Credit

• If you decline Medical coverage, you can receive a $30 per month credit for opting out of Medical coverage

• The credit is paid in semi-monthly paycheck; treated as taxable income

• If you elect No Medical Coverage, you will not be able to enroll in Medical Benefits until the next annual enrollment period, unless you experience a qualified status change that allows you to enroll


Flexible Spending AccountsHealth Care Spending Account (HCSA)

• You can set aside $10 to $212.50 monthly in pre-tax dollars to pay for eligible, unreimbursed health care expenses up to the Annual IRS Maximum limit of $2,550

• You can claim reimbursement for expenses incurred by any dependent claimed on your Federal Tax Return

• Eligible expenses include deductibles, co-payments and other unreimbursed medical, dental, vision and hearing costs

• See IRS Publication 502 for a complete list of eligible HCSA expenses at: http://www.irs.gov/uac/Publication-502,-Medical-and-Dental-Expenses-1

• Monies not used during the coverage period are subject to forfeiture

• A Health Debit Card can be used at a participating CVS/caremark retail pharmacies or through CVS/caremark’s Mail Order Service to purchase prescription drugs only

• Per IRS rules, you may enroll in the HCSA or a Health Savings Account (HSA), but not both

Dependent Care Spending Account (DCSA)

• You can set aside as little as $20 monthly and as much as $5,000 annually in pretax dollars to pay for eligible dependent care expenses

• Reimburses care that enables both you and your spouse to work, or you to work and your spouse to attend school full-time

• Eligible expenses include day care and certain elder care expenses

• Monies not used during the participation period of subject to forfeiture


Dependent Eligibility

• Eligible Dependents

o Your spouse

o A qualified, same-gender domestic partner

o Your natural and legally-adopted children to age 26

o Your stepchildren to age of 26

o Other children to age 26 for whom IBM determines that you have been granted permanent legal guardianship of the child’s person and property by a court of law

o A child who is incapable of self-support and was mentally or physically handicapped before age 26 who meets the criteria for continued coverage upon reaching age 26 as determined by IBM

Note: Some HMOs do not offer domestic partner coverage. To find out more you will need to contact the HMO directly.


Healthcare Enrollment

IBM Employee Services Center: 800-796-9876

• When the enrollment period opens: you may call the IBM Employee Services

Center between 8:30 a.m. and 8:30 p.m. ET to enroll. To protect your privacy

and guard against identity theft, you will be asked a few questions for

authentication purposes

• You may also enroll via NetBenefits: http://netbenefits.com

• You must make your elections by the enrollment deadline date; otherwise,

you and your eligible dependents will have No Medical, Dental, or Vision

Coverage for the entire Plan Year unless you have a qualified status change.

You will also be defaulted to 50% LTD coverage and be charged for any

associated premium

• Coverage is generally effective as of your Date of Hire


What to Do if You Need Care Before You Enroll

• Generally, it will take a minimum of three weeks (or longer), from the time you enroll in IBM Benefits, for eligibility information to be processed by IBM’s Plan Administrators, for you to be recognized by the administrators Customer Service Teams and/or for you to be able to register/print Medical ID Cards on the administrators web sites.

• We encourage you to refill any prescriptions and/or to obtain any known necessary medical services under your previous employer’s benefits prior to starting with IBM.

• In the event of a True Medical Emergency, you should obtain the medically necessary care immediately, at the closest Hospital. The IBM Plan and most HMOs will cover Emergency Care rendered by Out-of-Network providers at the In-Network Benefit level until the point where you can be stabilized and be safely moved to an In-Network facility.

• You may call the IBM Employee Services Center @ 1-800-796-9876 to request an Emergency Enrollment if you are admitted to a hospital. You will need to explain the nature of the emergency, and if it meets the definition of a “True Emergency” resulting in a Hospitalization the ESC representative will work to process your enrollment within 24 hours. As noted earlier, there is a $150 ER Surcharge if you are not admitted.


What to Do if You Need Care Before You Enroll - continued

• Once the Plan Administrator has your enrollment information you can request their help in validating you as a new member to your providers so you will not have to pre-pay for services and so the services you receive will be billed and considered by the IBM Plan first (at the In-Network Benefit level if appropriate) before you are billed.

• Employees requiring non-emergency care, where they are not admitted to a hospital, should: (1) Ensure the providers they wish to see are In-Network for the IBM Medical Plan option and respective Administrator they wish to enroll; (2) Obtain and pay for any medically necessary services; and (3) Submit a claim form to the Plan Administrator once the enrollment is processed. Claim forms are available on request from the Plan Administrator and enrollments will be processed retroactively back to an employee’s IBM Date of Hire.

• Review your medical plan coverage options, which are normally effective retroactive to the IBM Date of Hire

o Services rendered from the Benefits effective date may affect your enrollment decision and reimbursement

o The IBM PPO, IBM PPO Plus, IBM PPO with HSA & IBM PPO Plus with HSA provide a higher level of benefits if you use an In-Network provider, but coverage is available from Out-of-Network providers at a lower Benefit level

o True emergencies are covered at the In-Network Benefit level under the IBM PPO and EPO options, regardless of where care is received

o Most HMOs only cover Medically Necessary In-Network treatment, and Out-of-Network services only when such services meet the definition of a True Medical Emergency and where care is “Medically Necessary”


Additional Benefit Plans & Offerings

• Short Term Disability

• Long Term Disability

• Travel Accident Insurance

• Group Life Insurance

• Group Universal Life Insurance

• Employee Stock Purchase Plan

• 401(k) Plus Plan

• IBM MoneySmart

• Vacation Plan

• Holiday Plan

• Employee Assistance Program

• IBM Mental Health Care Program

• Post Employment Medical (Access)

• Special Care for Children Assistance Plan

• Watson Scholarship Program

• Adoption Assistance Program

• SoFi Student Loan Refinancing Program

• Commuter Benefits Program

• Discount Offerings & Services


Short Term Disability

• Short Term Disability (STD) provides wage replacement if you become disabled and are unable to work

• STD is an IBM Paid benefit with no premiums for employee

• There is a Maximum benefit of 26 weeks (or 1040 hours) in a period of 12 consecutive months

• Employees with less than 5 years of service:

o 100% of wage replacement for the first 13 weeks

o 66 2/3% of wage replacement for an additional 13 weeks

• After 5 years of service:

o 100% of wage replacement for 26 weeks

• Eligible from first day of employment

• Prorated for reduced work schedule


Long Term Disability• Long Term Disability (LTD) provides wage replacement after the Short Term Disability benefit has been

exhausted

• New employees:

o May elect to purchase the 50% LTD option, the 66 2/3% LTD option or No Coverage.

o Evidence of insurability will be required if employee later increases coverage during annual enrollment, or had previously elected No Coverage and subsequently wishes to enroll

o After 5 Years of Service, employees will have a second opportunity to increase coverage with no evidence of insurability required.

• After five years of service with IBM, new employees will automatically receive the company-paid 50% benefit level coverage for LTD and may elect to purchase the 66 2/3% benefit level during annual enrollment periods

• Coordinates with other sources of payment such as Social Security Disability Income and Worker’s Compensation

• Employees must be actively at work to be eligible for LTD Coverage, hence their employment with IBM must have commenced to be eligible for coverage

• Benefits will not be payable for a disability that results from a Pre-existing Condition until you have been covered under IBM’s LTD program for 12 consecutive months.

• In determining whether a disability is due to a Pre-existing Condition, if the disability occurred within 60 days of the date coverage took effect, and you were covered under another employer’s plan providing group disability income coverage you will be credited for any time you were covered under such plan

• LTD payments will be offset by payments from other sources, such as Social Security Disability or Retirement Income, Workers‘ Compensation, motor vehicle No-fault laws, pension payments, or other earned income

• Other plan conditions apply, see the “About Your Benefits: Health Care, Summary Plan Description” document for complete details


Travel Accident Insurance Plan

• Coverage for accidental injuries while traveling on authorized company business

• Benefits of up to five times annual eligible compensation for bodily injuries which result in death, dismemberment, or loss of sight, hearing or speech

• IBM pays the entire cost of coverage

• Coverage begins from first day of employment

• Benefits payable to the beneficiary(ies) you name; if none named, beneficiary determined by plan policy

• Plan is administered by Ace


Group Life Insurance Plan

• Plan is administered by the Prudential Insurance Company of America

• IBM pays the entire cost of coverage

• Coverage is equal to one times annual salary

• Employees pay tax liability on the value of GLI coverage over $50,000:

o Coverage over $50K can be waived (within 30 days of hire, during annual waiver period, and other select life events) or;

o You can designate a tax-exempt charity as the beneficiary for amounts over $50K

• Coverage begins from first day of employment; no application or medical exam required

• Accelerated Death Benefit: 50% to a max of $500,000 with 12 months of life expectancy

• Coverage ends on last day of active employment

• Benefits payable to the beneficiary(ies) you name; if none named, beneficiary determined by plan policy


Group Universal Life Insurance

• Administered and underwritten by The Prudential Insurance Company of America• With evidence of good health, employee can purchase coverage up to eight times

annual base pay in increments of .25. o Minimum coverage is the greater of .25 x annual base pay or $30,000 o Maximum coverage is $3 million.

• Insurance also available for spouse/domestic partner ( $30K - $200K), and children ($10K)

• If eligible and enrolled within 90 days of hire:o Employee: Non-medical guaranteed issue of 2X base salary up to $750Ko Spouse/DP: Non-medical guaranteed issue of $50,000 o Short form Evidence of Insurability for amounts over guaranteed issue amount .

Long form may be required based on assessment of short form• Employees may enroll, change or cancel coverage at any time, subject to evidence of

good health. Employees may increase coverage by 1X with a life event.• Accelerated Death Benefit: 50% to a max of $500,000 @ 12 months life expectancy • Monthly premium based on the amount of insurance chosen, age and whether

smoker or non-smoker• Portability/continuation of coverage feature provided at higher rates• Optional AD&D coverage and cash accumulation features are available


IBM Employee Stock Purchase Plan (ESPP)• Enables IBM employees to share in company ownership at a discounted price via

convenient payroll deduction

• Provides a 5% discount from the market price on date of purchase each pay period

• If there isn't enough money for a whole share purchase, the administrator will purchase a fractional share

• Allows purchase of up to 10% of your pay to a maximum of $25,000 worth of IBM shares in a calendar year

• Dividend payout option – cash or re-investment, at your choice

• Flexible enrollment where eligible employees can join any time during the offering period

• Typically, there are two offering periods each year:

o January 1 to June 30

o July 1 to December 31


IBM 401(k) Plus Plan• Eligible for participation on IBM Date of Hire

• Automatically enrolled at 5% of your pre-tax eligible earnings approx. one month after receiving enrollment package if no action taken

• Contributions up to 80% of pre-tax earnings (subject to IRS limits)• After one year of service IBM will:

o Contribute 1% to employee’s pre-tax account regardless of their savings pattern

o Match 100% of first 5% of employee’s Pre-tax or Roth contributions

o As long as you are employed on December 15, the IBM contributions for which you are eligible will be deposited to your 401(k) account on the last business day of that plan year.

o Employees who leave IBM prior to December 15 will not qualify for the IBM contributions unless they are retirement eligible (including employees who are retirement eligible before long-term disability) and those separating US employment to participate in the Global IBMer program.

• ROTH feature available:

o Contributions made on after-tax basis, investments grow tax free

o Contributions are also eligible for IBM match

o You will have a Roth qualified distribution if your Roth account is at least 5 years old and you are age 59 ½ or older at the time of your distribution

• Employees may make either or both pre-tax or Roth contributions, up to

• 2016 IRS limits

o If < Age 50: $18,000

o If > Age 50: $24,000 with the $6,000 “Catch-up” Contribution Allowance

• Additional after-tax feature available (up to 10% ) with no company match


IBM 401(k) Plus Plan - Continued

• Investment Options include over 33 primary funds plus a Mutual Fund Window providing access to 165 name-brand mutual funds.

• Rollovers are acceptable from former employers Pre-Tax Qualified Plans

• Employees can borrow against their 401(K) balance up to half their balance to a maximum of $50,000

• Disability protection insurance

o Per IRS Rules enrollment is only open during the Fall Annual Enrollment Period for the coming year

o People hired after Jan 1st can not enroll until the next year, and must do so during the Fall Annual Enrollment cycle

o The Insured Amount is based on the employee’s contribution during the prior year

o If you enroll, you can not change your election until the next enrollment cycle

• Deductions

o Your HRTM will communicate the enrollment timeline to you

o IBM Does not support retroactive Deductions

o Employees can contribute up to the regulatory amounts, even if they enroll late

o Employees can change deductions any time throughout the year via NetBenefits


IBM MoneySmart

• Financial education and planning to help employees with financial decision-making on a range of issues, including retirement and estate planning, debt management, college savings, tax and investment strategies and other topics

• Offered at no cost to all IBM U.S. regular employees

• MoneySmart is brought to IBMers through world-class third parties who are trained in financial planning and investments: The Ayco Company L.P., a Goldman Sachs Company, and Fidelity Investments

• MoneySmart coaches are credentialed financial representatives trained in IBM programs and benefits

• The MoneySmart portal on the You and IBM Web site includes access to:

o Educational seminars

o Financial tools, calculators and quick links

o A library of financial topics

o Scheduling software to schedule a one-on-one phone counseling session with MoneySmart coaches


IBM Vacation Plan*• Vacation is earned based on years of service:

Length of Service Days of Vacation

0 to 9 Years of Service 15

10 or More Years service 20

• Vacation is earned and accrued on calendar year basis (Jan. 1 through Dec. 31)

• In year of hire, vacation is based on the number of full months worked as a regular employee

• Vacation can be taken at any time during the year in weeks, days or half-days

• Vacation taken before it is accrued is considered a salary advance

• Vacation earned but not used is considered excess and will result in a reduction to the maximum number of new days you can earn the following year

• Vacation days are prorated for employees on a reduced work schedule

*California state law requires that vacation for eligible employees be accrued on a daily basis. California employees should consult the California vacation plan on w3 for additional details.


IBM Vacation Accrual TableNumber of

Full Months WorkedNumber of Days Earned

O-9 Years of ServiceNumber of Days Earned 10 or More Years of Svc

12 15.0 20.0

11 14.0 18.5

10 12.5 16.5

9 11.5 15.0

8 10.0 13.5

7 8.5 11.5

6 7.5 10.0

5 6.5 8.5

4 5.0 6.5

3 4.0 5.0

2 2.5 3.5

1 1.0 1.5

46** To qualify for a full month worked employees are required to work form the first to last workday of the month

* This table depicts the Vacation Benefits for Regular Full Time Employees working five 8-hour Days (40 Hours) per week


IBM Holiday Plan

• Provides 12 Holidays each year, six of which are generally observed nationally:

� The other 6 holidays vary by location based on operating requirements or local custom, with at least one holiday available as a Personal Choice Holiday

� With management approval, Personal Choice Holidays are taken at an employee’s option

� Unused days cannot be carried over into the next year or cashed out

� Any personal choice holidays not used in a 12-month calendar year will offset the amount of personal choice holidays available for use in the following 12-month calendar year.

� Holidays are prorated for employees on a reduced work schedule

� Personal Choice Holidays during an employee’s year of hire, rehire or return from leave of absence will be prorated

2016 Nationally Scheduled IBM Holidays

New Year’s Day (January 1) Memorial Day (May 30)

Independence Day (July 4) Labor Day (September 5)

Thanksgiving Day (November 24) Christmas Day (December 26 -observed)


IBM Holiday Plan - Continued

Personal Choice Holiday Accrual Schedule

Number of Authorized PCH Days

at Your Location

IBM Date of Hire

February 15March

31May 15

June 30

August 15

September 30

6 6 5 4 3 2 1

5 5 5 4 3 2 1

4 4 4 4 3 2 1

3 3 3 3 3 2 1

2 2 2 2 2 2 1

1 1 1 1 1 1 1

* This schedule applies to employees on a Full Time Work Schedule

** Employees must be hired, rehired, or return from LOA on or before the dates reflected above


Employee Assistance Program (EAP)

• Available to all employees and dependents

• Provides support for a variety of life events and everyday challenges including:

o Work stress

o Coping with change

o Family/parenting issues

o Grief or bereavement

o Anxiety or depression

o Communicating effectively

• EAP provides up to Eight (8) free counseling sessions with a licensed mental health professional

• Available to all employees and eligible dependents – even those who opt out of health benefits coverage

• Program is Administered by Optum

• The Clinical Referral Line [1-800-445-9720 (TTY: Dial 711 and enter 800-445-9720)] is toll free, available 24/7, and is staffed by licensed mental health professionals


IBM Managed Mental Health Program (MMHC)

• A Clinical Referral Line @ 800-445-9720 (TTY: Dial 711 and enter 800-445-9720) is staffed by mental health clinicians, and is available 24/7 to assist employees (Regardless of their Medical Plan Option) in accessing mental health services provided under the IBM Mental Health Care Program; including the Employee Assistance Program (EAP), and the IBM MMHC Program.

• IBM’s MMHC Program provides more intensive outpatient and inpatient treatment to participants enrolled in the IBM PPO, IBM PPO Plus, IBM EPO, and IBM High Deductible PPO with HSA Medical Options through a qualified network of treatment providers and/or facilities

• The Managed Mental Health Care Program, administered by Optum by United Behavioral Health is available to assist individuals who require further assistance beyond what the EAP offers.

o No pre-certification required for routine outpatient services

o Non-routine services still need pre-certification (e.g. psychological testing, and Substance Abuse treatment)

o Program has In and Out-of-Network Benefit features depending on your Medical Plan Option

o Deductibles and Out-of-Pocket Maximums are combined with the Medical Options

• Reference the IBM Health Benefit Comparison Charts included in your enrollment materials or the “About Your Benefits: Health Care, Summary Plan Description” document available in the reference library on NetBenefits for details.


Post Employment Medical (Access)

• If certain age and service requirements are met, employees will have access to post-employment health care coverage

• Enrollment is a one-time opportunity, and if you decline coverage when you leave IBM you waive your right to future coverage

• Eligible if you leave IBM at age 55 with at least five years of service, AND if age plus service equals 65. For example:

o 55 years old + 10 years of service



• Can continue IBM health care coverage for yourself and eligible dependents

• Employees pay the full cost of coverage at retiree rates


Special Care for Children Assistance Plan

• Assists with expenses outside the scope of the IBM Medical and Dental Plans for the care of a child with mental health, physical or developmental disabilities.

• A $150 annual family deductible, which is separate from the annual deductibles under all the other IBM Medical Plan options, applies

• Maximum lifetime benefit of $50,000 per child

• Eligible expenses may include:

o Special education facilities

o Independent practitioners and services

o Academic remediation

o Evaluation and testing

o Special devices

• Coverage ends when child reaches age 26, is no longer eligible, or benefits under the plan are exhausted, whichever occurs first.


53

Watson Scholarship• The Thomas J. Watson Memorial Scholarship program recognizes academic excellence among

high school students pursuing a traditional baccalaureate degree from an accredited four year US college, university or military academy.

• International Scholarship & Tuition Services selects winners based on SAT scores, demonstrated leadership, and junior year academic performance.

• Once winners are selected, the amounts given to each considers the cost of the institution and financial need. Awards range from $2,000 to $8,000 per year with the amount for Military Academy students fixed as a one-time award of $2000.

• Eligible employees include US regular full-time or part-time employees, employees on International Assignment, and those on approved leaves of absence or receiving regular benefits under IBM’s Long Term Disability Plan.

• Applications are accepted on line @ https://aim.appplyists.net/ThomasJWatson and must be submitted by December 1st each year


Adoption and Surrogacy Assistance Program

• Provides financial assistance towards expenses incurred in the adoption of minor children (including surrogate arrangements)

• IBM pays 100% of eligible expenses related to adoption, up to $5,000 per family for each adoption

• Eligible expenses may include:

o Application fee

o Adoption agency fees

o Placement fees

o Legal fees

o Hospital expenses (While both the birth mother and infant are in the hospital)

• Acclaris is the Program Administrator, and can be reached @ 1-888-880-2775


SoFi Student Loan Refinancing Program

• Lets employees combine existing private and federal loans into one loan with one monthly payment.

• Variable rates starting as low as 1.9% APR, and fixed rates as low as 3.5% APR (terms and conditions apply).

• A 0.25% rate discount when you refinance through SoFi at www.sofi.com/IBM

o Additional 0.25% rate discount when you AutoPay.

o No application or origination fees and no pre-payment penalties

o Low fixed and variable rates for 5, 10, 15 and 20-year loan terms

o Your child can refinance, under their own name, a Parent Plus loan that you took out on their behalf.

o SoFi’s employment experience requirement is waived for IBMers.

o Applicants are reviewed and approved based on their personal credit ratings.

• SoFi can be reached @ 1-855-456-SOFI.


Commuter Benefits Program

• Nationwide program, administered by WageWorks®, helps commuters save on public transportation and qualified parking expenses

• Savings: Save on commuting costs because monthly payroll deductions are pre-tax up to $130 for transit and $255 for parking. You may elect a payroll deduction that exceeds this IRS limit on a post-tax basis.

• Convenience: Enjoy the convenience of direct payment to public transit vendors and qualified parking vendors, in addition to receiving your monthly transit pass, voucher, VISA card by mail.

• Eligible commuter expenses may include:

o Public transit – train, subway, bus and ferry

o Qualified parking (as part of your daily commute to work)

• Enrolling: You can enroll online at www.wageworks.com or by calling 877-WageWorks (877-924-3967) Monday through Friday, from 8 a.m. to 8 p.m. ET. Enrollments, adjustments or cancellations must be made by the 4th of the month in which the payroll deduction would occur.

• Find additional resources including FAQ’s on the commuter benefit by visiting www.wageworks.com and selecting ‘EMPLOYEES’ then ‘Commuter Benefits


Discount Offerings and Services

IBM Club:� Discounts on national/regional entertainment & local services� Website: http://w3.ibm.com/ibmclub

Discounts for IBMers:� One stop destination for IBM employee discounts and services � Requires IBM Intranet ID� Includes Employee Purchase Program for Lenovo laptops and more� Website: http://www2.beneplace.com/ibmer


Resources Available

• IBM Employee Services Center (ESC)

o After your Date of Hire: 1-800-796-9876 (TTY 1-800-426-6537)

o Service representatives are available from 8:30 a.m. to 8:30 p.m.(EST) to answer benefits questions and to take your Health care benefits enrollments.

• NetBenefits Web site at http://netbenefits.fidelity.com

o Alex Plan Comparison Tool

o Plan Administrators & Contacts

o The extensive Reference Library containing the Enrollment Guide, Comparison Charts, Summary Plan Description documents, Domestic Partner Info Guide, Legal Notices, etc…)

* After you are connected to IBM systems:

o You and IBM Web site at http://w3.ibm.com/hr/us/


Appendix

� IBM Regional IBM Medical Carriers

� Preventive Care Services


Regional IBM Medical Plan CarriersCarrier Regions

AetnaArkansas

Connecticut Colorado

DelawareNew Jersey

OklahomaTexas

Anthem Blue Cross/Blue Shield

AlabamaCalifornia GeorgiaHawaiiIowa

IllinoisIndianaKansas

KentuckyLouisiana

Massachusetts Maine

MichiganMinnesotaMissouri

MississippiNorth Carolina North Dakota

New Hampshire

NY City & Suburbs Northern & Western NY

OhioPennsylvaniaRhode Island

South CarolinaSouth Dakota

TennesseeWest Virginia

MVPNew York (Albany/Poughkeepsie/Binghamton/Endicott)

Vermont

UnitedHealthcare

AlaskaArizona

District of ColumbiaFloridaIdaho

Maryland

Montana Nebraska

New MexicoNevada Oregon

Utah Virginia

Washington WisconsinWyoming

In certain limited areas where a robust provider network is not available, employees will be offered Out-of-Area IBM PPO, IBM PPO Plus, IBM PPO with HSA and IBM PPO Plus with HSA plan options which are administered by United

Healthcare.

61

Preventive Care Services

Important Information on Preventive Care Services

� Preventive Care Services that fall under the categories shown on the following slides will be reimbursed at 100% and are not subject to the deductible if the service is billed as an eligible Preventive Care Service (and not as a diagnosis for a condition) and are received from an in-network provider. If a Preventive Care Service shown below is received from an out-of-network provider, it will not be reimbursed at 100% but the deductible will be waived with respect to the service if it is billed as an eligible Preventive Care Service (and not as a diagnosis for a condition).

• Services that are not Preventive Care Services and that are not eligible for 100% benefit coverage and/or waiver of deductible, may be eligible for coverage under normal Plan provisions.

Terms and Conditions1. Any subsequent or follow-up diagnostic testing performed as a result of findings indicated by the Preventive Care Services will not be eligible for 100% reimbursement or waiver of the deductible.2. Services or items described in this section will not be covered or reimbursed under the Plan as Preventive Care Services if they are received by participants who have current symptoms or have been diagnosed with a medical condition associated with those services or items; instead, coverage for the services or items under the Plan will be considered under normal Plan provisions. This determination is made by the health plan Administrator based on the information submitted in the claim for the item or service.3. Routine eye examinations, including preventive tests for visual acuity (refraction), color vision, glaucoma, cataracts and field of vision by an eligible provider (ophthalmologist, optometrist or optician) and expenses for devices (for example, prescription eyeglasses, contact lenses) associated with correction of deficiencies, are not covered under the Plan, but may be covered under the IBM Vision Plan.4. The health plan Administrator may impose limitations on the frequency, method, treatment, or setting for Preventive Care Services provided under the Plan or described in any of the categories below using reasonable medical management techniques.

� Preventive Care services discussed here are only covered under the IBM PPO, IBM PPO Plus, IBM EPO, and IBM High Deductible PPO with H S A Medical Plan Options, and under the IBM Managed Pharmacy Program. Employees will need to check with the specific HMO they are interested in to understand the Preventive Care service offered under those plans.

� IBM’s About You: Healthcare Summary Plan Description document contains complete details on covered Preventive Services. This document is available on NetBenefits within the Library section of the tool.

� Questions on specific Preventive Care Services covered and any frequency or other limitations on these services should be directed to your health plan using the Member Services number listed on your ID card.

62

Preventive Care Services - ContinuedPreventive Item or Service Eligibility Requirements

Covered Items for Adults and (Where Indicated) Adolescents

Genetic counseling for BRCA (Mutation testing for breast and Ovarian Cancer Susceptibility.

Covered in cases where a woman’s family history is associated with an increased risk for deleterious mutations in BRCA1 or BRCA2 genes.

Screening mammography for Breast Cancer with clinical breast examination. Every 1-2 years as determined by the patient’s physician.

Physician visit where physician describes the potential benefits and harms of chemoprevention for breast cancer.

Women at risk for Breast Cancer and at low risk for adverse effects of chemoprevention.

Screening for Cervical Cancer.Sexually active women who have a cervix. Also, covers non-sexually active women as part of Well Adolescent exam.

Counseling for Sexually Transmitted Infections On an annual basis for women who have been sexually active.

Screening for Colorectal Cancer using fecal occult blood testing, sigmoidoscopy or colonoscopy.

Adults, as determined by patient’s physician.

Screening for Abdominal Aortic Aneurysm by Ultrasonography. Men aged 65 to 75 who have never smoked.

Screening for High Blood Pressure. Adults, as determined by patient’s physician.

Screening for Cholesterol Abnormalities. Adults, as determined by patient’s physician.

Screening for Asymptomatic Bacteria by Urine Culture. Pregnant women @ 12-16 weeks gestation or in the 1st Prenatal visit if later

Screening for Gestational Diabetes• Pregnant women between 24 and 28 weeks gestation and at the first pre-natal visit for women identified to be at high risk for diabetes.

Screening for Chlamydial Infection.

• Sexually active non-pregnant women aged 24 and younger;• Sexually active non-pregnant women older than age 24 who are at ;increased risk for Chlamydial Infection;• Pregnant women aged 24 and younger• Pregnant women older than age 24 who are at ;increased risk for Chlamydial Infection.

Screening for Gonorrhea.Sexually active women, including those who are pregnant, if they are at increased risk for infection, as determined by patient’s physician

63

Preventive Care Services - Continued

Preventive Item or Service Eligibility Requirements

Screening for Hepatitis B Virus Infection. Pregnant women at their first prenatal visit.

Screening for Human Immunodeficiency Virus (HIV)

• Adolescents and adults at increased risk for HIV infection as determined by the patient’s physician.

• For all sexually active women, counseling and screening for HIV on an annual basis.

• Pregnant women

Contraceptive Methods and Counseling

Coverage for pharmaceutical contraception available under the IBM Managed Pharmacy Program.

FDA approved contraceptive methods, sterilization procedures, and patient education and counseling for women with reproductive capacity as prescribed, provided that only the following FDA approved pharmaceutical contraception will be covered as Preventive Care Services:•Prescribed generic contraceptive drugs or methods;•Prescribed single source Brand drugs for which no generic equivalent is available; and•Prescribed over-the-counter methods.

High Intensity Behavioral Counseling to Prevent Sexually Transmitted Infections (STIs).

Sexually active adolescents or adults at increased risk for STIs. Once Counseling session is covered per year as a Preventive Care Service, as determined by the patient’s physician.

Screening for Syphilis Infection.• Persons at increased risk for syphilis infections as determine by physician• Pregnant women.

Screening and Behavioral Counseling Interventions to reduce alcohol misuse.

Adults, including pregnant women. Screenings are covered as a Preventive service only if provided in a Primary Care setting, and only one screening is covered per year.

Screening for Depression.

• Adults.• Screenings are only provided if clinical practices that have system ins place to

assure accurate diagnosis, effective treatment and follow-up. Note, any treatment and follow-up for depression is not considered to be a preventive care services.

Screening and Counseling for Interpersonal and Domestic ViolenceFor women, screening and counseling for interpersonal and domestic violence on an annual basis.

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Counseling to Prevent Tobacco Use and Tobacco-Caused Disease.

• Adults, including pregnant women.• Tobacco cessation interventions will be covered for those who use tobacco products.

Pregnant women who may smoke may receive pregnancy-tailored tobacco-cessation counseling. Only one tobacco- cessation intervention is covered per year.

Behavioral Counseling to Promote a Healthy Diet.

• Adults with hyperlipidemia and other known risk factors for cardiovascular and diet-related chronic disease.

• Intensive counseling must be delivered by primary care clinicians or by referral to other specialists, such as nutritionists or dietitians, in a primary care setting. Only four visits for intensive counseling will be covered a year as Preventive Care Services.

Screening for Iron Deficiency Anemia. For asymptomatic pregnant women, once during pregnancy.

Screening for Obesity and Counseling and Behavioral Interventions to Promote Sustained Weight Loss.

Adults. Only four screenings, counseling sessions, and/orbehavioral interventions per year (on a combined basis) will becovered as a Preventive Care Service.

Screening for Type 2 Diabetes Mellitus in Adults.Asymptomatic adults with sustained blood pressure (eithertreated or untreated) greater than 135/80 mm Hg.

Screening for Osteoporosis . Adults, as determined by the patient’s physician.

Counseling to Promote Breastfeeding.

• Pregnant women or women who have given birth. • As of 1/1/2013, counseling will be covered as a Preventive Care Service only if it is received

during the pregnancy and during the post partum period by a trained provided (Lactation consultant) to promote and support breastfeeding.

• As of 1/1/2013, costs for renting breastfeeding equipment or for purchasing an electric non-hospital grade breast pump or manual pump will be covered as a Preventive Care Service.

Screening for Rh(D) Incompatibility Between Pregnant Woman and Unborn Child.

Pregnant women during their first visit for pregnancy-related care. Second Rh (D) antibody testing for unsensitized Rh (D)-negative women at 24-28 weeks' gestation, unless the biological father is known to be Rh (D)-negative.

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Covered Items for Children and Adolescents

Screening for Congenital Hypothyroidism. Newborns.

Screening and Treatment for Major Depressive Disorder in Children andAdolescents.

Adolescents (12-18 years of age) provided that the physician hassystems in place to ensure accurate diagnosis, psychotherapy (cognitive-behavioral or interpersonal), and follow-up. Note: any treatment or follow-up for depression would not be considered a Preventive Care Service.

Universal Screening for Hearing Loss in Newborns. Newborns.

Screening for Phenylketonuria. Newborns.

Screening for Sickle Cell Disease. Newborns.

Screening To Detect Amblyopia, Strabismus, And Defects In VisualAcuity (i.e., Screenings For Visual Impairment).

Children younger than age 5.

Prophylactic Ocular Topical Medication to Prevent GonococcalOphthalmia Neonatorum.

Newborns.

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Items Covered Under the IBM Managed Pharmacy Program

The following evidenced-based items or services with an “A” or “B” rating from the US Preventive Services Task Force are available under the IBM Managed Pharmacy Program. Note, a prescription is required for each item listed below. If you are enrolled in an HMO, you must contact the HMO directly to determine whether any of these benefits are covered by the HMO.

Aspirin to prevent cardiovascular disease: men.Men age 45 to 79 years when the potential benefit due to a reduction in myocardial infarctions outweighs the potential harm due to an increase in gastrointestinal hemorrhage.

Aspirin to prevent cardio vascular disease: women.Women age 55 to 79 years when the potential benefit of a reduction in ischemic strokes outweighs the potential harm of an increase in gastrointestinal hemorrhage.

Administration of oral fluoride supplementation to prevent tooth decay.At currently recommended doses to preschool children older than 6 months of age whose primary water source is deficient in fluoride.

A daily supplement containing 0.4 to 0.8 mg (400 to 800 µg) of folic acid. Women planning or capable of pregnancy.

Supplementation with iron.Asymptomatic children aged 6–12 months who are at increased risk of iron deficiency anemia.

Nicotine replacement to assist with smoking cessation.

For non-pregnant adults (>18 years) nicotine replacement therapy (gum, lozenge, patch, inhaler and nasal spray) and sustained release bupropion and varenicline. Note: a coverage review is required for enrollees in the IBM Managed Pharmacy Program administered by CVS Caremark. If you are enrolled in an HMO, check with your plan for details.

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Preventive Item or Service Covered Immunizations

The following immunizations for routine use in children, adolescents, and adults that in effect a recommedation by the AdvisoryCommittee on Immunization Practices of the Centers for Disease Control and Prevention are available under the IBM PPO, IBM PPO Plus, IBM EPO, and IBM High Deductible PPO with H S A. If you are enrolled in an HMO you must contact the HMO to determine whether any of these benefits are covered by the HMO: •Cholera vaccine•Diphtheria•(DTP) Diphtheria, Tetanus, Pertussis Hemophilus influenza B vaccine (HIB)•Hepatitis A and Hepatitis B (HepA-HepB)•Hepatitis A vaccine•Hepatitis B vaccine•Human papilloma virus (HPV) vaccine (e.g. Gardasil)•Influenza virus vaccine•Measles vaccine•(MMR) Measles, Mumps, Rubella•Meningococcal polysaccharide vaccine•Mumps vaccine•Pertussis•Pneumococcal vaccine•Poliovirus vaccine•Rotavirus vaccine (e.g. Rotateq)•Rubella vaccine•Shingles (Zoster) vaccine for age 60 and over•Tetanus•Typhoid vaccine•Varicella vaccine•Yellow fever vaccine

Preventive care services and screenings for infants, children and adolescents as provided for in the comprehensive guidelines supported by the Health Resources and Services Administration available at www.hrsa.gov.

Preventive care services and screenings for women provided for in the guidelines supported by the Health Resources and Services Administration. Note: These guidelines are not expected to be issued by the Health Resources and Services Administration until August 2012. No services or screenings will be available under this category before the guidelines are issued.

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Preventive Item or Service Physical Exam or Test Description

The following additional Preventive Care Examinations and Test Services are Available

Newborn Exam.

In addition to the screenings recommended for newborns by the United States Preventive Services Task Force described in Category 1, such as hearing testing, PKU screening, and sickle cell screening, the Newborn Exam includes state required congenital screenings, and testing of hemoglobin and hematocrit, glucose, bilirubin and galactose.

Well Child Exam. Includes screenings for hemoglobin and/or hematocrit, tuberculosis, lead and a urinalysis.

Well Adolescent (Female) Exam.Includes cervical (PAP) test starting at age 18, regardless of whether the female adolescent is sexually active.

Well Woman Exam.

Includes preventive care visit annually for adult women to obtain recommended preventive services that are age and developmentally appropriate, including preconception and pre-natal care*. Includes cervical (PAP) test regardless of whether the woman is sexually active, includes human papillomavirus (“HPV”) testing. Several visits may be included in the exam to the extent necessary to obtain all necessary preventive services, dependent on the woman’s health status, health needs and other risk factors.

* Pre-natal care includes pre-natal obstetrical visits, any lab services required by law to be covered as a Preventive Care Services, and any immunizations that have in effect a recommendation from the Advisory Committee on Immunization Practices and are listed above.

General Adult Exam.

In addition to the cholesterol, hypertension, and osteoporosis screenings recommended by the United States Preventive Services Task Force described in Category 1, the General Adult Exam includes lipid profile, CBC, routing multi-channel blood test, glucose, EKG and hearing screening (not including audiometric testing). The General Adult Exam also includes bone mineral density tests that are performed in connectionwith any osteoporosis screening exam.

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Preventive Item or Service Physical Exam or Test Description

Adult Cancer Screening.

Adult Cancer Screening includes:• In addition to colorectal cancer screenings the US Preventive Services

Task occult blood testing, colonoscopy, or sigmoidoscopy), biopsy, polyp removal, anesthesia and facility connection with a colonoscopy or sigmoidoscopy.

• Prostate cancer screening, including PSA exam (DRE).• Skin cancer screening.• Mammography (which is also recommended States Preventive

Services Task Force).


Legal Disclaimer

This presentation is intended to provide highlights of certain IBM plans and programs in which you may be eligible to participate. Complete details can be found in the official plan documents which remain the final authority in the event of a conflict.

IBM reserves the right, at its discretion, to amend, change or terminate any of its plans, programs, policies, practices, as the company requires. Nothing contained in this information shall be construed as creating an expressed or implied obligation on the part of IBM.

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