What you need to know
With information about COVID-19 changing rapidly and impacting daily life, PayPal wants you to take good care of yourself and your family, including your physical and emotional well-being. The impact of COVID-19 affects everyone differently, and you have several support resources available to you.
Health plan support
Free access to testing and testing related services
If you meet the CDC guidelines for testing, and it’s requested by your doctor, all costs are waived for COVID-19 testing, testing-related visits, and treatment services related to COVID-19, in-network or out-of-network. Coverage is effective for dates of service February 4, 2020, until July 24, 2020. If you have coverage questions, call the number on your health plan ID card.
Virtual visits through AmWell, Doctor on Demand, or Teladoc
Sign in to your myuhc.com account to get started, and then download the UHC app (App Store or Google Play) to use your mobile device. Chat with a doctor by phone or video 24/7. COVID-19 related virtual visit costs are waived until September 30, 2020. Costs for virtual visits not related to COVID-19 are waived until September 30, 2020. Virtual visits can be used for advice and guidance about COVID-19 but cannot be used to test for or treat it.
Talk to your health care provider
Your local medical provider may be able to provide a telehealth visit through live video conferencing or audio-only. Costs for local provider telehealth visits for COVID-19-related advice, in-network or out-of-network, are waived effective February 4, 2020, through July 24, 2020, unless otherwise extended. Effective July 25, 2020, through September 30, 2020, telehealth services are waived with in-network providers only. Out-of-network COVID-19 telehealth visits will be covered at plan benefit levels.
Non-COVID Telehealth Support
- Effective March 31, 2020, until June 18, 2020, all out-of-network telehealth visits for medical, outpatient behavioral and PT/OT/ST are covered at in-network plan benefit levels.
- Beginning June 19, 2020, through September 30, 2020, out-of-network telehealth services will be covered at plan benefit levels.
- For medical and outpatient behavioral telehealth visits, eligible providers can continue to utilize both interactive audio/video and audio-only through September 30, 2020. For PT/OT/ST provider visits, interactive audio/video technology must be used (visit limits may apply).
Find the latest information
Visit the UHC COVID-19 page.
Get your prescription medications
In response to COVID-19, CVS Caremark has made it easier to obtain medications from home.
- Get 90-day supplies of most maintenance medications delivered by mail with no delivery fees. Express 1- to 2-day home delivery is also available at no cost if using a CVS or Target pharmacy.
- Contact your other in-network pharmacy to confirm if they provide no-cost delivery.
- For the duration of the COVID-19 outbreak, CVS is waiving refill-too-soon limits on most 30-day medications for all in-network pharmacies.
- Prior authorizations for most medications set to expire before June 30 will be extended.
For the most up-to-date information, visit Info.Caremark.com/COVID19.
You won’t have to pay for costs related to COVID-19 testing if referred by a Kaiser doctor. If you’re diagnosed with COVID-19, additional services, including hospital admission (if applicable) are covered.
Get the care you need by using telehealth services. 24x7 care advice, email, phone and video visits with your provider are available as alternatives to in-person appointments. Virtual visits using video technology are also available at no cost to members. Call the advice number on your Kaiser Permanente membership card for instructions.
Order prescriptions by mail
Fill your prescriptions through mail-order service, and avoid the pharmacy waiting room. Plus, most mail-order prescriptions come in a 3-month supply for the price of 2 months.
Get the latest information
Visit the Kaiser COVID-19 page.
Cigna Global Health Benefits
Cigna Global Health Benefits will waive customer cost-sharing and copayments for COVID-19-related treatment through July 31, 2020. The waiver applies to both in- and out-of-network U.S. care and international care. Out-of-network care will be reimbursed at in-network rates. This is in addition to COVID-19 testing-related visits with in-network U.S. providers and international providers, whether at a doctor’s office, urgent care clinic, or emergency room.
Benefit enrollment changes as a result of an eligible life event
As a result of COVID, the IRS has announced an extension to change your benefits. If you experience a qualifying life event such as marriage, the birth of a child, or loss of other coverage, you can now make a change to your benefit plan selections through “60 days after the end of National Emergency period.” Learn about qualified life events and how to update your elections.
Employee Assistance Program
If you’re feeling stressed or worried, speak with a licensed mental health provider through the Employee Assistance Program (EAP). All sessions are confidential, and the service is free to you and your family members.
- Optum: Call 866-248-4096, or visit liveandworkwell.com and enter access code: PayPalUS, select “Behavioral Health Care Search,” and respond to the questions about the type of support you’re looking for.
- Arbor Family Counseling (Nebraska employees): Call 800-922-7379, or visit arborfamilycounseling.com and enter password: arbor.
These resources from Optum also may be helpful:
- Tips to help older adults during a quarantine
- Tips to help children during a quarantine
- Reigniting your health when working from home
- Mindfulness techniques for managing coronavirus anxiety at home and work
Get tips and strategies to build your resiliency with meQuilibrium. You can track your mood and stress levels, view personalized recommendations to help you strengthen relationships, and change negative thinking patterns. meQuilibrium gives you scientifically backed activities, tools and meditations to help you feel less stressed and manage uncertainty. It is is available to you, your spouse/partner and dependents 18+ at no cost. Get started at meQuilibrium or download the app from the App Store or Google play.
UHC behavioral health support
UHC has a quick guide to help members find the right support at the right time.
UHC members: Get online therapy from anywhere through Talkspace. Safely and confidentially message a licensed therapist 24/7 from your phone or desktop. No appointment required. You can also schedule real-time video sessions as needed. Read more, or get started at talkspace.com/connect.
Virtual support tools for Kaiser HMO members
myStrength is a personalized program that includes interactive activities, in-the-moment coping tools, inspirational resources, and community support.
Track your preferences and goals, current emotional states, and ongoing life events to improve your awareness and change behaviors.
Register now to access myStrength.
Calm app for self-care
The Calm app uses meditation and mindfulness to help lower stress, reduce anxiety and improve sleep quality.
Adult Kaiser members can access Calm at kp.org/selfcareapps.
2020 Dependent Care Flexible Spending Account (FSA)
As a result of COVID-19, many childcare providers and schools have closed, and you may have experienced a change in your childcare needs.
If you're a current Dependent Care FSA participant, you have the option to reduce or stop your contributions.
Contact Your Benefits Resources (YBR) at 1-844-474-6641, from 8 a.m. to 9 p.m. ET, Monday–Friday, to speak with a Customer Care Representative. You'll need to verify your personal details and follow the prompts by selecting Health and Insurance, enter phone PIN or ZIP code, and then select Healthcare.
Please note: You may experience longer than normal wait times due to an increase in calls related to COVID-19.
Review this notice for information on eligibility.
Bright Horizons backup child/elder care
If you need child care assistance and your regular care is unavailable, you have access to Bright Horizons backup care to help support your family’s needs.
You may now receive 30 backup care uses per calendar year instead of the previous 10.
Register in advance
Complete your care profile now (including required forms) so you’re prepared to reserve care when you need it. Visit backup.brighthorizons.com/paypal (Username: PayPal, Password: backup4u), or call 877-242-2737.
Follow these instructions for searching for a care provider.
Backup care options
Choose from center-based or in-home care options. With waived copays for the rest of 2020, this valuable benefit is made available to you at no cost!
Important information about Bright Horizons
As a result of extremely high demand due to COVID-19, you are likely to experience delays in reaching Bright Horizons when you need to secure backup child/elder care. Bright Horizons is working to add more customer service team members and improve the website to accommodate this increased volume. Here are a few things to keep in mind when accessing care:
- If you are a first-time user and experiencing issues with registering, please visit backup.brighthorizons.com/paypal (Username: PayPal, Password: backup4u) instead of calling Bright Horizons.
- Using backup.brighthorizons.com/paypal is the quickest way to access assistance at this time. Phone assistance could take 60 minutes or more.
- For the latest information from Bright Horizons on backup care services, visit brighthorizons.com/covid19.
You also have access to Sittercity, a web resource you can use to search for child care. Visit Sittercity, then click on "Use it" next to "Find Sitters, Nannies & Housekeepers."
Cleo parental coaching
Cleo provides support for new and expecting parents at no cost to you. Visit Cleo to download the app and activate an account using your work email. Even if you're not registered with Cleo, you can now access webcasts, blogs and resources to help with working from home while caring for your kids. See what's available.
These tools can help both you and your children navigate the world of at-home learning:
- Bright Horizons World at Home is a new way for you to keep your children learning during this time. Designed by education experts, World at Home features videos and activities for a wide range of curriculum areas, including yoga and mindfulness, STEM learning, language, story time, and cooking.
- PayPal’s Perks at Work has partnered with Community Online Academy to offer courses for both kids and adults, including a free offering every Thursday. Topics include meditation, dance, American Sign Language, and becoming a YouTuber.
- Rethink, a program for kids with developmental disabilities, is currently offering several specialized services and features, including remote consultation services and video-based lessons.
- As part of #StayingTogetherWhilePhysicallyApart series, check out these educational resources and websites that your kids may enjoy and will assist you while homeschooling.
Looking for more?
PayPal offers additional family support resources to help guide parents during this time.Learn more
Seek reimbursement for additional expenses
You can now use your Flexible Spending Account (FSA), Health Savings Account (HSA) and/or Health Reimbursement Account (HRA) to pay for over-the-counter (OTC) medications, and feminine products, without needing a prescription. Any eligible expenses incurred since January 1, 2020, can be submitted for reimbursement from the applicable plan administrator’s online claim process. You may also use your account’s debit card to cover these expenses.
New tax deadline for 2019 HSA contributions
Due to the IRS' announcement that you have until July 15, 2020, to file taxes, your 2019 HSA contributions can be extended as well. Plan participants can make 2019 HSA contributions any time before July 15, 2020, through HealthEquity. Please note: The maximum annual contributions for 2019 have not changed ($3,500 for individuals and $7,000 for families).
Make changes to your 2020 FSA and Group Legal
If your needs have changed as a result of COVID-19, the IRS has announced that you may change your FSA contributions mid-year to account for the rest of this year. You do not need to experience a qualified life event (e.g., marriage, birth of a child) to make a change in your Healthcare Spending Account (HCSA) or Dependent Care Spending Account (DCSA) elections. Changes in elections that you may make to your 2020 FSA include:
- Enroll in a FSA plan by selecting a new election (if you’re not already enrolled)
- Reduce your annual election amount for the rest 2020
- Increase your election amount for the rest of 2020
- Stop your contributions for the rest of 2020
Important information about making an FSA election change
All mid-year FSA election changes can only be made on a prospective basis from the date of the election change. The change is effective the date of your notification to Your Benefits Resources (YBR), the benefits administrator. If you decide to make a change to your FSA election, please note that you cannot reduce it below what has already been reimbursed to you or deducted from your pay in 2020, whichever is higher.
- To confirm what has already been reimbursed to you during 2020, view your SmartChoice FSA account balance.
- To view your year-to-date contribution amount, view your most recent paystub (you must be on the PayPal network).
Be sure to take into consideration the deduction on your next paycheck if your change is done after the payroll deadline. If you wish to stop further deductions, change your election to your total deduction amount to date.
How to make a change
To update your FSA annual election amount, contact YBR at 844-474-6641, from 8 a.m. to 9 p.m. ET, Monday through Friday, and speak with a Customer Care Representative. You'll need to verify your personal details and follow the prompts by selecting Health and Insurance, enter phone PIN or ZIP code, and then select Healthcare. (Note: You may experience longer than normal wait times due to an increase in calls related to COVID-19.)
Increase in Healthcare FSA carryover amount and claim filing deadline extension
The 2020 Healthcare FSA carryover amount will increase from $500 to $550. As such, any unused Healthcare Spending Account balance up as of December 31, 2020—up to $550—will be carried forward over to 2021.
The 2019 claim filing deadline for eligible claims has been extended from April 30, 2020 to “60 days after the end of the National Emergency period.” You can continue to submit 2019 claims from your available 2019 FSA balance.
Group Legal mid-year election
During this time, many of us are seeking estate planning services. You can now enroll in the Hyatt Group Legal plan now rather than wait until Annual Enrollment in the fall. To change your election, contact YBR at 844-474-6641, from 8 a.m. to 9 p.m. ET, Monday through Friday, and speak with a Customer Care Representative. You'll need to verify your personal details and follow the prompts by selecting Health and Insurance and enter phone PIN or ZIP code.
The CARES Act and your 401(k)
The Coronavirus Aid, Relief and Economic Security (CARES) Act expanded the ability of 401(k) plans to enable early access to retirement funds through distributions and loans. The PayPal 401(k) Savings Plan has adopted these provisions to ensure that those who qualify are able to receive hardship distributions and/or take out plan loans.
Seek advice before you take action
Taking a loan against your 401(k) account or withdrawing money from your account should generally be considered a last resort. Before you decide to take such action, it’s a good idea to consult your tax or financial adviser to understand and consider the potential consequences to your retirement savings, especially with the recent volatility in the market.
In addition, you may want to take advantage of other PayPal benefits that may be available to you, such as the Employee Relief Fund (you must be on the PayPal network).
Who qualifies for CARES Act relief?
The CARES Act applies to individuals who:
- Have been diagnosed with COVID-19 by a test approved by the Centers for Disease Control and Prevention.
- Have a spouse or dependent who has been diagnosed with COVID-19.
- Are experiencing adverse financial consequences due to:
- Being furloughed, quarantined or laid off
- A reduction in paid work hours
- Being unable to work because of lack of childcare
- Closing or scaling back a business because of COVID-19
Coronavirus-related retirement plan loan repayment suspension
For any new or existing plan loan, repayments due between March 27, 2020, and December 31, 2020, may be delayed for one year. All subsequent payments will be adjusted to account for the delay. Please note that interest will continue to accrue during the delay.
To apply for a coronavirus-related loan repayment suspension, contact Charles Schwab at 800-724-7526.
Coronavirus-Related Retirement Plan Withdrawal
The 10% IRS tax on pre-age-59½ early withdrawals (if applicable) is waived for coronavirus-related distributions of up to $100,000 through December 2020. These withdrawals are taxable as income, but the tax can be spread over three years. Additionally, the 20% standard income tax withholding at the time of distribution is not required. Unlike other hardship distributions under the plan, a participant can put the money back into their plan account if they repay it within three years.
To apply for a coronavirus-related withdrawal, contact Charles Schwab at 800-724-7526.
PayPal is committed to the health and well-being of all employees. During this coronavirus pandemic, we will provide additional support and flexibility to manage your individual circumstances. Through October 1, the following measures apply to all employees:
- If you are diagnosed with the coronavirus, you will continue to be paid without interruption throughout the time you are ill.
- If your office is closed temporarily due to the impacts of the coronavirus, you will continue to be paid during the time your office is closed, even if you do not have the ability to work from home.
- To address specific challenges you may face as a result of the coronavirus, such as caring for children or other family members, the need to stay home due to an underlying illness or health vulnerability, or other personal or medical needs, you may request up to 2 additional weeks of paid time off through our Crisis Leave Program. Apply for Crisis Leave in Workday, or contact StayInformed@paypal.com, and your request will be handled confidentially by a dedicated member of our HR team. More information is on The Bridge (must be on the PayPal network).
- If you face family care challenges related to the coronavirus, please work with your manager and your team to develop a flexible working arrangement or part-time schedule to accommodate your needs during the coronavirus situation.
Vida health coaching
Connect with a Vida health coach anytime, anywhere to help you:
- Stay active. Even though your daily routine might be changing, your exercise habits and goals don’t have to. Vida’s coaches and in-app content provide at-home exercises and tips for eating healthy while working remotely.
- Address your mental health. With all that’s going on—news headlines, social distancing, financial worries, family concerns—you may need extra support. Vida’s resilience program can help you cope with stress, anxiety, and depression.
- Get support for working at home. For many, it's a new experience, and having a community is even more important during these difficult times. Vida’s Group feature lets you trade tips with others to work more efficiently, find resources for caring for kids at home, and share creative ways to address social isolation (e.g., virtual happy hours).
Download the app and search for organization name PayPal. Or send a message in chat to your current coach.
Looking for ways to stay healthy from home? Real Appeal is an online weight-loss program tailored to your unique schedule and needs. Available at no cost to all employees, spouses/partners, and dependents 18+ enrolled in a PayPal medical plan. You’ll learn how to incorporate small changes that help you feel your best and keep your body moving—even if you're short on free time. Get started.
Exercise at home
Being hunkered down takes a toll. Counteract the stress with live-streamed fitness classes and videos to help you find what you need in the moment. Join us on EXOS@Home for everything from mindset sessions and yoga, to high intensity intervals and sports conditioning. Sign up for a complimentary personalized 12-week workout plan supported by an EXOS coach through our Bridge Athletic movement app.
Employees can now use Concur Travel or Airbnb to book a hotel room or Airbnb as a safe place to self-isolate during COVID-19. You will be eligible to receive the discounted PayPal rate during your stay. This includes accommodations for dependents you live with. You must pay using a personal credit card, and while accommodations cannot be reimbursed by PayPal, they can be booked at the discounted rate until further notice.
Find discounts on food delivery, meal prep, tech equipment and more on PerkSpot, our employee discount portal. A special collection of discounts has been curated in the COVID-19 resource center. You can also share PerkSpot with friends and family through June 30 so they can take advantage of great discounts too! Select the “Refer a Friend or Family Member” option after logging in.
Remote working tips
Although working from home can provide many benefits to employees, it also creates unintended challenges when the environment is less than optimal.
- View these wellness support options to ensure you’re making time to take care of yourself, and your loved ones.
- Access these tips for working from home to ensure you’re finding the right work/ life balance while working from home.
- Working from Home Basics and Stretching Guide
- Getting a Good Night’s Sleep
- Mindfulness – The Power of Presence
- Designing a Winning Indoor Workout
- There’s no “Write” way
- Finding Balance While Working From Home
Check out these suggestions for conducting virtual meetings to help you have the best experience.
The companywide weekly Wellness Survey is open Monday through Friday each week for you to share your feedback, which we use to help provide you with the flexibility, support, and resources you need, such as the two new benefits mentioned above.