2021 U.S. Benefits Annual Enrollment
Whom can I cover on my benefits?
Please review the list of eligible dependents. Note: For a newborn that is born during the Annual Enrollment period or the month of December, call YBR to immediately add your newborn to coverage for 2021.
If I miss the enrollment period, can I make changes later?
You may be allowed to make changes after the Annual Enrollment period if you were on a leave of absence or vacation during the entire enrollment period, without access to email or a telephone. To request approval to make changes after the Annual Enrollment period has closed, you must notify YBR at 844-474-6641.
What is Your Benefits Resources™ (YBR)?
Your Benefits Resources (YBR) is our online administrative tool that helps you manage your PayPal benefits enrollment and provides plan information and resources. In addition to Annual Enrollment, YBR provides information on making changes throughout the year, tools to estimate Life Insurance and Flexible Spending Account (FSA) needs, resources to locate providers and their quality ratings, and claim advocacy services.
What if I lost my YBR username and/or password?
Go to the YBR site, and follow the instructions to retrieve your username and/or password.
What should I do if I have questions or problems with the system?
First, try to use online help or chat functions. If you still have questions, you can reach YBR at 844-474-6641.
How often can I access YBR?
You can access YBR online 24/7 or call Customer Service between 5 a.m. and 6 p.m. Pacific Time, Monday through Friday.
Can I re-enter the system and change information that I’ve already saved?
During the Annual Enrollment period, you can make as many changes as you’d like up to 10 p.m. Pacific Time, November 16, 2020. After the deadline, you can call YBR after the online enrollment period has ended and before December 31, 2020, to make a change.
Do I need to enroll in optional or no-cost benefits on YBR?
No. Some optional benefits such as Ayco financial coaching, Cleo parenting support, or Real Appeal virtual weight-loss program do require enrollment, but you will enroll on the program’s website. To find out more about these benefits and everything else available to you, explore this site.
Who can help me understand my options?
PayPal has partnered with Alight Health Pro. Health Pro consultants are highly qualified advocates who are trained to answer your complicated benefits and insurance-related questions. Health Pro services include:
- Help understanding and using your benefits
- Resolving health care insurance claims and billing issues
- Help understanding diagnoses and providing education and information regarding treatment options
- Assistance locating doctors or hospitals and making appointments with hard-to-reach specialists
- Understanding issues related to prescription drugs, such as comparisons between generic and brand-name medications
To reach a Health Pro:
- Call 800-513-1667; advocacy hours are M–F, 5 a.m. to 4 p.m. Pacific Time
- Email: firstname.lastname@example.org
Bright Horizons: Babysitters, Nannies, and Housekeepers
What services do I have access to through this benefit?
Your free membership with Sittercity provides you with access to a comprehensive online database, as well as online forums, tools, and resources that will help you find and choose caregivers that meet your preferences and needs for occasional and everyday child care, care for children with special needs, household help, and even pet care.
Who is eligible for care?
Anyone. Since you are responsible for all arrangements and costs, you can use these tools and resources to self-select care through Sittercity for anyone you want, as many times as you want.
How do I access care?
To access these tools and resources, go to your Bright Horizons website (username: PayPal and password: backup4u), and click on Find Sitters, Nannies & Housekeepers under Bright Horizons Additional Family Supports. This will bring you to your employer’s Sittercity homepage, where you will create a username and password to gain access and begin to search for the solution to your care needs.
Will use of this benefit impact the use limit I have for Bright Horizons Back-Up Care?
No. Your use of Sittercity resources does not impact your back-up care use allowance. However, many people find that Sittercity is a great solution for finding care once you have used all of the annual back-up care visits available through your employer.
If I am already a registered Sittercity customer, do I have to re-register?
No, you do not have to re-register. You can use your existing username and password to access the Sittercity website. You will, however, need to contact the Sittercity Membership Services team at 888-748-2489 to have your account moved under your employer’s account.
Will I get a refund for fees paid as a retail customer?
Please contact Sittercity Membership Services at 888-748-2489 for help with receiving a prorated refund.
What is the typical cost of care on Sittercity?
The cost of care varies based on geographic region, type, number of children or pets, and level of care (i.e., infant care prices often differ from the cost of care for school-age children). In the Trust and Safety Center on the Sittercity site, you can use a rate calculator to determine the appropriate pricing based on region, number of children, and years of experience the caregiver has. Also, when posting a job, you are able to indicate the rate preferred per hour and work with caregivers that best fit your financial requirements.
How can I evaluate and select the caregiver that seems right for me?
Sittercity has a variety of filters to help match caregivers to your needs and preferences. You also have access to caregiver profiles, which may include pictures, references, and reviews from other care seekers and users on the site. In addition, through your employer-sponsored benefit, you have the ability to run unlimited basic background checks and can run an up-to-date background check on any caregiver at any time, free of charge. If you’d like to run additional background checks, there are options available on the site at discounted pricing through your employer-sponsored benefit.
What kind of background checks do I have access to?
As a Sittercity registered user, through the partnership negotiated by PayPal, you can run an unlimited amount of basic background checks or view results of those you previously completed.
Can I get a more enhanced background check if I want it?
Yes. You can get an enhanced background check for an additional fee (ranging from $20 to $60).
Bright Horizons: Center-Based Child Care
What is Preferred Enrollment?
Preferred Enrollment allows you to gain access to available full-time child care spaces in Bright Horizons centers ahead of the general community.
Will discounts be offered at Bright Horizons centers?
At this time, discounts are not offered at Bright Horizons centers. Discounts are offered at select participating network centers.
Do I have to pay a registration fee for Preferred Enrollment?
While Preferred Enrollment is offered to you free of charge, you do pay a fee to register at a child care center. However, that initial registration fee will be applied as a credit (up to a maximum of $250) toward your next tuition payment after 30 days of enrollment at any participating Preferred Enrollment center. When selecting a center, you can download a coupon, which you should print and bring with you when you visit.
If I am already registered at another Preferred Enrollment center location, am I still eligible for the registration fee credit?
Yes. If you enroll your child at a new Bright Horizons center location, the Registration Fee Credit is applied when you enter your second full month of enrollment. Therefore, you will be eligible at any participating center where you choose to enroll your child.
What is the Tuition Discount benefit?
The Tuition Discount benefit provides you with a discount of up to 10% off child care tuition and a waived registration fee at select participating centers.
What age groups are eligible for a tuition discount?
Tuition Discounts vary by center and may only be available for children ages 2 and older. Check with your preferred center for details.
What if I am currently enrolled in a participating center for the Tuition Discount benefit?
If you are currently enrolled in a participating center that offers a Tuition Discount, please reach out to your center director to inquire about the discount benefit. You will then be eligible to receive up to 10% off your tuition moving forward. Some discounts are only available for new enrollments. Please refer to your benefit website to identify the discounts available to you. Discounts cannot be applied retroactively.
How do I find child care centers where I have access to Preferred Enrollment and Tuition Discounts?
Visit your Bright Horizons website (username: PayPal and password: backup4u), and click on the Get Full-Time Child Care Help link under the Bright Horizons Additional Family Supports section. This will bring you to the Preferred Enrollment and Tuition Discounts site, where you will be able to use the center search locator to find center options in your desired area.
Is care available for family members with special needs?
We make every effort to accommodate care recipients with special needs, which may include physical, emotional, or developmental challenges.
What if I am in the process of custody arrangements for my child?
Bright Horizons cannot limit any parent’s or guardian’s access to his or her child without legal authority. If you believe any access or custody issues will arise during the course of your child’s care, you must provide a copy of a signed court order prior to care.
Bright Horizons: Elder Care
What services do I have access to through Years Ahead?
Similar to your membership with Sittercity, the Years Ahead free online platform connects you with elder care tools and resources—including elder care planning and referrals.
What will Years Ahead help me with?
Through Years Ahead, you can take a needs assessment online for your loved one, navigate through elder care options, access elder care resources, and get guidance in finding assistance programs.
How do I access care through Years Ahead?
To access these tools and resources, go to your Bright Horizons website (username: PayPal and password: backup4u), and click on Find Elder Care Resources under Bright Horizons Additional Family Supports. Then choose the Get Online Support option. This will bring you to your employer’s Sittercity home page, where you can click to choose the Years Ahead resource and then create a username and password to gain access.
Can I register for Sittercity and Years Ahead under one account?
No. You must register for Sittercity and Years Ahead separately. However, you are able and encouraged to use the same login credentials for each membership to ensure ease of use.
What resources are available to me through Years Ahead?
Years Ahead is a referral resource offered by Sittercity and is only available through the partnership between your employer and Bright Horizons. Through Years Ahead, you are able to search a nationwide network that includes in-home agencies, independent living facilities, assisted living facilities, memory care, and nursing homes. You also have access to an individual provider’s profile, which may include comprehensive information, photos, experience and capabilities, pricing, and reviews.
What do the Years Ahead Senior Care Advisors assist with? What are their credentials?
Senior Care Advisors are available to answer questions you may have surrounding the process of finding care for your aging loved one, from the initial conversations and decisions to determining the right caregiver or facility and moving your loved one. Each Senior Care Advisor holds a Master’s in Social Work and goes through a comprehensive course to become a CSA (Certified Senior Advisor). The CSA credential represents a qualified professional who understands the key health, social, and financial factors that are important to the majority of seniors. The CSA is accredited by the NCCA (National Commission for Certifying Agencies). Senior Care Advisors are available via phone Monday through Friday, 9 a.m.–5 p.m. CT.
What is the typical cost of care on Years Ahead?
There is no cost to use the Years Ahead website resource. The cost of care through the Years Ahead agencies and facilities will vary based on the level of care and, in the case of in-home providers, the number of hours per week. Agencies and facilities in the network will provide information to you individually regarding costs.
Bright Horizons: Pet Care
What pet care services do I have access to through Sittercity?
As part of your free Sittercity membership, you can easily use the online database to find options for all your pet care needs—dog walking; coordinating check-ins, visits, pick-ups, and drop-offs; pet sitters and/or overnight care; bathing, grooming, and training resources; and more.
How do I access pet care services?
Visit Bright Horizons website (username: PayPal and password: backup4u), and click on Use It under Get Quality Pet Care in the Bright Horizons Additional Family Supports section. This will bring you to PayPal’s Sittercity home page—if you do not currently have an account, you will create a username and password to gain access and begin to search for the solution to your pet care needs.
What types of pet care resources does Sittercity offer?
Post your own listing or use the search filter to find just the right fit for you and your pet. Access information, and screen potential candidates based on years of experience, completed background checks, regular and short-notice availability, type of pets cared for, and more.
Bright Horizons: Tutoring, Test Prep and Homework Help
What types of services are available?
Your Tutoring and Test Prep benefit gives you easy access to high-quality tutoring and test prep providers, offering a variety of online and in-person options with exclusive discounts for Bright Horizons families.
How do I access these services?
Go to your Bright Horizons website (username: PayPal and password: backup4u), and click on Help with Tutoring & Test Prep under Bright Horizons Additional Family Supports. Then choose the Get Started Now button. Scroll down, and complete the form to receive personalized options based on your family’s needs.
What providers are associated with Tutoring and Test Prep?
Services are provided through Revolution Prep and College Nannies, Sitters + Tutors—2 long-standing partners of Bright Horizons that have a history of supporting our clients and their families.
What discounted services are available through Revolution Prep?
You receive a 10% savings on standard tutoring rates, which can range from $100 to $600 per hour (with the average closer to $100–$200 per hour). For children in elementary and middle school, you receive a fixed discount of $69 per hour for basic tutoring.
What discounted services are available through College Nannies, Sitters + Tutors?
You receive 2 free tutoring sessions or a set of free test prep materials for your student. Tutoring rates vary by location and average around $65 per hour.
CDHP with HSA
What is the maximum amount I can contribute to the HSA?
The maximum annual contribution (yours and PayPal’s) for 2020 is $3,550 for employee-only coverage and $7,100 if you cover dependents.
The maximum annual contribution (yours and PayPal’s) for 2021 is $3,600 for employee-only coverage and $7,200 if you cover dependents.
You can contribute an additional $1,000 if you will be age 55 or older in 2020 or 2021.
How is my HSA funded?
PayPal contributes annually to your HSA. PayPal will contribute $500 for individual coverage or $1,000 for family coverage. You may also make your own tax-free contributions to your HSA by having pre-tax deductions taken from your paycheck each pay period. You may also contribute post-tax money to your HSA. However, keep in mind that the total of all contributions to your HSA cannot exceed the maximums defined by the U.S. Treasury and the Internal Revenue Service (IRS).
How do I make contributions to my HSA?
The easiest way to contribute to your HSA is through pre-tax payroll deductions. Contribution elections for the HSA are processed with Your Benefits Resources (YBR) and sent to PayPal’s payroll system each pay period. Once your HSA is established, PayPal’s contributions, as well as your own contributions, are deposited into your HSA each pay period.
What if I contribute too much to my account during the year and exceed the annual maximum contribution?
If you contribute too much to your account, IRS rules will require you to pay regular income tax plus a 10% tax penalty on the excess amount you contributed. (Note: Different rules apply if you contributed too much because you left the plan during the year.)
Can I change my HSA contribution amount during the year?
Yes, you can change your HSA contributions at any time—but it’s up to you to make sure you don’t exceed the IRS total contribution limit for the year. To change your contribution amount, log in to YBR and select the Change Your HSA Contribution tile.
What if my spouse has an HSA, too?
If your spouse has an HSA and either of you is covered under the other’s plan, your combined HSA contributions are limited to the annual IRS contribution maximum for family coverage ($7,100 in 2020).
Do I have to use funds from my HSA to pay for medical expenses and prescriptions?
No. You may pay out of pocket and let your HSA balance grow. You can use your HSA funds in the future for other eligible health care expenses.
What if I have money left in my HSA at the end of the year?
The HSA dollars you don’t spend are yours to keep and save, year after year. Your HSA can help you pay for future medical expenses. Remember, you have control over your health care dollars. You can use your HSA to pay for eligible medical or prescription expenses, or you can pay for those expenses out of your own pocket as they come up—saving the money in your HSA for future use.
As your HSA grows year over year, you can pay less out of your pocket for future expenses, since you’ll have more HSA dollars to apply toward your annual deductible.
What if I use HSA funds to pay for non-qualified medical expenses?
Any amount you spend from your HSA on a non-qualified expense will be considered part of your taxable income. You will also owe a 10% penalty on that amount (unless you reach age 65, become disabled or die, or roll over your HSA to another HSA), and non-qualified expenses will not apply toward your deductible. For a list of qualified medical expenses, visit the IRS website at irs.gov and type “Publication 502” in the search box.
Can I have a Health Savings Account (HSA) and a Health Care FSA?
Yes, you can have both an HSA and a Health Care FSA; however, the FSA will be defined as a “limited-use” FSA, which means that you are only allowed to use it for reimbursement of eligible dental and vision services. You may not have an HSA and a “general-purpose” FSA since they both cover the same types of expenses.
If you enroll in the UnitedHealthcare CDHP with HSA and you enroll in the Health Care FSA, your Health Care FSA can only be used for eligible dental and vision services (limited use).
Where can I get more information on HSA regulations?
You can visit the U.S. Treasury website at treas.gov and type “HSA” in the search box.
How do I access the money in my HSA?
Contributions are made to your HSA each pay period, but you must accumulate enough in your account before you can use them to pay for your health care expenses. You can use those dollars to pay for any medical care you’ve received or other eligible health care expenses incurred since the date you established your HSA.
Once you’ve established your HSA with HealthEquity, you’ll receive a debit card that you can use to conveniently pay at the pharmacy, doctor’s office, or elsewhere. You can pay your bills for qualified medical expenses online from your HealthEquity account or pay out of pocket and reimburse yourself online or by withdrawing money with your debit card from any ATM with the Visa® logo.
Although you don’t need to submit receipts when you’re reimbursing yourself with your HSA dollars, you should save your receipts for tax purposes.
What should I do with my receipts?
You should keep your receipts for services you’ve received. Since you own the HSA, you are responsible for providing documentation to the IRS, if you ever need to, for the expenses charged to your HSA. The money that goes into and out of your HSA—contributions and disbursements—is reported to the IRS each year. It’s important that you review this account with your tax advisor, since it’s like having another banking or savings account.
How do I find out my HSA balance?
As a UnitedHealthcare CDHP with HSA member, you can keep track of your HSA activity and balance, as well as get details on all your medical claims at myuhc.com.
Are there any administrative fees charged to my HSA?
Like other bank accounts, your HSA is subject to banking fees. PayPal covers the monthly service charge as long as you’re an active plan participant, but you’re responsible for paying any additional fees for services like accessing cash at ATMs or overdrafts, should you no longer be an active participant in the plan.
Is there a time restriction on when I may use the funds in the account?
No. Once funds have been contributed into the HSA, they may be used at any time in the future for qualified medical expenses.
Are there any special instructions for filing my taxes?
Yes. You will receive a 1099 form and a 5498 form in the mail near tax time, so you can file your taxes. You will have to complete an 8889 form when you file your taxes. In addition, you need to keep track of your receipts for anything you pay for from your account in the event you need to provide documentation to the IRS to show you used any HSA funds on qualified medical expenses.
Consult a tax advisor to ensure you file your taxes correctly.
What is Cleo?
Cleo is a parental benefit for expecting parents or those who recently welcomed a baby. Cleo provides support on a variety of topics, including but not limited to: breastfeeding, sleeping, parenting, newborn care, and career coaching.
Whom does Cleo support?
Cleo supports all types of families, such as birthing parents, supportive partners, adoptive and surrogate parents, same-sex parents, and single parents from the first trimester through the baby’s first birthday.
How does Cleo support families?
Cleo combines expert guidance and information to ensure each family receives the personal support they need during this critical phase. Every family is paired with a dedicated Cleo Guide who will be their point person throughout their journey. Cleo Guides have extensive experience working with families like yours and are experts in the issues and challenges you may face as you grow your family. In addition to a Cleo Guide, families can also access content in the app, receive one-on-one support through specialist sessions, and get questions answered on a wide range of topics through virtual community workshops.
What information will Cleo share with my employer?
Cleo is committed to protecting your privacy and personal data. Any personal information you share is strictly confidential and will only be accessed by your Cleo Guide and Cleo business administrators. Cleo will only provide aggregate data to your employer, such as overall usage and feedback.
Does Cleo replace an OB/GYN or midwife?
No! We know an OB/GYN or midwife plays a central role in your care during this period. Cleo arms you with a holistic team that complements your OB/GYN or midwife, with a special eye toward work-life balance.
What sorts of questions can Cleo address?
Really, anything. Reach out with breastfeeding troubles, questions about newborn development, or even how to select the right sleeper. Your Cleo Guide can help answer questions on a variety of topics, so ask anything!
How do you sign up for Cleo?
Download Cleo from the Mobile apps page. Answer a short questionnaire, and enroll with your PayPal work email to get started.
Who is eligible?
All employees and their domestic partners, who are expecting or have a baby under the age of 1.
When does Cleo begin supporting adoptive parents?
Cleo starts providing support from the time a family has secured an adoption date through the baby’s first birthday.
When does Cleo begin supporting surrogate parents?
Cleo starts providing support when a family has a confirmed due date.
Employee health care contributions (grades 15–19)
Why is PayPal offering reduced medical plan contributions to employees in grades 15–19?
What you pay for health care can greatly impact take-home pay. To support the financial wellness of employees in grades 15–19, employees in these grades will pay less out-of-pocket for their medical plans.
Where can I find the 2020/2021 medical, dental, and vision paycheck deductions?
To see what your paycheck deductions will be next year, view the Contributions page.
How will I know if I am eligible for reduced medical plan contributions?
I’m not sure of my grade; how can I find out?
You can find your grade on the Bridge. Go to the HR Hub for Me > Workday Inbox. Click your profile picture, and select View Profile.
How long will I be eligible for reduced medical plan contributions?
If you remain in a grade from 15 through 19, you are eligible.
What if my hours change to part time?
If you work 20 hours or more per week, you will continue to be eligible for benefits. If you are within the 15–19 pay grades, you are also eligible for reduced medical plan contributions.
What happens if I am promoted above a grade 19?
If you are promoted above a grade 19, you will no longer be eligible for reduced medical plan contributions. Your paycheck deductions will increase in the pay period following the date the grade change takes effect. Your new paycheck deductions will be visible in YBR (@Work) | (Log In) and on your pay slip. View the employee contributions for health care.
How will I be notified when my contribution amounts change?
When you are no longer eligible for reduced contributions, you will receive an email notification from YBR, and a Confirmation of Enrollment (COE) will be sent to you via postal mail or electronically, dependent on your communication preference that was set in YBR.
If my medical plan contributions increase, can I change or drop coverage if they are no longer affordable?
Health care coverage is extremely important, so you will want to make your decision based on what is best for you and any covered dependents. If your cost for coverage increases or decreases significantly during the plan year, you may make a corresponding election change. For example, you may elect another benefit plan option with similar coverage or drop/waive coverage. Please review the PayPal Health and Welfare Summary Plan Document for details on qualified cost events.
How do I change my medical plan?
You can only change your benefit elections during the designated Benefits Annual Enrollment period or if you experience a qualified life event (i.e., marriage, birth of a child, or significant cost event). You have 30 days from the life event to notify YBR and change your coverage. Changes can be made online with YBR (@Work) | (Log In) or by calling the Customer Service Center.
Flexible Spending Accounts
How do the Flexible Spending Accounts (FSAs) work?
There are two separate FSAs—one for health care and one for dependent care. You can enroll in both.
Health Care FSA—Can be used for eligible out-of-pocket health care expenses (medical, dental, or vision care).
Dependent Care FSA—Covers eligible dependent care expenses so that you (and your spouse, if married) can work or attend school.
Keep in mind that you’ll need to choose your annual contributions for each account separately and you can’t combine funds from one account with the other to pay for eligible expenses.
What is the maximum amount I can contribute to an FSA?
For 2020, the Health Care FSA minimum is $25, and the maximum election is $2,700. For 2021, the maximum election is $2,750.
For the Dependent Care FSA, the minimum is $50 and maximum is $5,000. If both you and your spouse are enrolling in a Dependent Care FSA, the combined amount in both company plans cannot exceed $5,000. Also, your election may be reduced to comply with required annual testing for this plan.
How do I know how much to contribute?
Use the FSA estimator on Your Benefits Resources (YBR) during Annual Enrollment to help you estimate your expenses. Another way to determine your Health Care FSA contribution is to talk to your medical, dental, and vision providers. Each can help you budget your expenses for the upcoming year. Also, if you have recurring medical, dental, or vision expenses, you likely already know how much you’ll need to contribute to cover those expenses.
The same formula can be used for Dependent Care FSA expenses as well. If you know you’ll have expenses that are eligible, talk to your dependent-care providers to determine the contribution that is right for you.
What is the cutoff date for using the money in my FSA?
Starting in 2021, you will be allowed to carry over $550 each plan year. Any amount above the $550 will be forfeited if not spent. The Dependent Care FSA does not have this carry-over feature. Any amount left in your Dependent Care FSA at the end of the plan year will be forfeited. Plan your expenses wisely.
What is the deadline to submit all my 2020 FSA claims?
You have until April 30, 2021, to submit eligible 2020 claims for reimbursement from any remaining 2020 Health Care or Dependent Care FSA contributions.
What is the deadline to submit all my 2020 FSA claims?
You have until April 30, 2021, to submit eligible 2020 claims for reimbursement from any remaining 2020 Health Care or Dependent Care FSA contributions.
Will I receive a refund if I don’t use all the money in my FSA by the end of the calendar year?
No. This is why it’s important to understand what expenses are eligible and to conservatively estimate your anticipated eligible Health Care and Dependent Care FSA expenses for the coming year. During Annual Enrollment, FSA estimators are available on Your Benefits Resources (YBR) to help you in the decision-making process.
Do I have to enroll in the FSA during Annual Enrollment to participate for 2021?
Yes. If you don’t enroll during Annual Enrollment, you will not have the opportunity to take advantage of the program unless you experience a qualifying life event during the year.
Can I quit the FSA or change my election at any time?
Your contribution can’t be changed (increased or decreased) during the year unless you experience a qualifying life event (e.g., the birth of a child) and notify Your Benefits Resources (YBR) of the change within 30 days of the event.
The YBR team can answer your questions about qualifying life events and if you can change your contribution election as a result.
Whose expenses are eligible for reimbursement?
Health Care FSA: You may submit eligible expenses incurred by you, your spouse, your children, and any other person who can be claimed as a qualified dependent on your federal income tax return. Domestic partner expenses are not covered.
Dependent Care FSA: You can submit expenses for qualifying dependents, including your children under age 13 and any other person, regardless of age, who is incapable of caring for him or herself and can be claimed as a qualified dependent on your federal income tax return.
What expenses are eligible for reimbursement?
For a Health Care FSA, deductibles, coinsurance amounts, copays, and other expenses that are described in IRS Publication 502—Medical and Dental Expenses are considered eligible or a qualified expense. Premiums for health and other insurance aren't eligible expenses.
For a Dependent Care FSA, eligible expenses include a babysitter or nanny to provide care while you’re at work, daycare provider or after-school care, and preschool tuition. Expenses must be incurred for the care of eligible family members as described in IRS Publication 503—Child and Dependent Care Expenses. All expenses must take place within the benefit plan year.
What is the maximum reimbursement amount from a health and/or dependent care FSA?
The entire Health Care FSA annual election is available at the beginning of the plan year. Your Health Care FSA balance is reduced by any reimbursements made throughout the year.
The Dependent Care FSA balance accumulates throughout the year. The annual Dependent Care FSA amount is only available as funds are deposited and available in the account.
How do I access my Health Care FSA funds?
If you enroll in the Health Care FSA, you’ll receive a debit card* in the mail. You can use this card to pay for eligible expenses anywhere the debit card is accepted.
Or you can pay for covered items and then submit those expenses for reimbursement. In either case, keep your receipts! You’ll need to send your receipts in with your reimbursement request, or you could be asked to verify the purchases made with your debit card.
Debit cards will be mailed in mid-December to participants who choose to enroll in the Health Care FSA for 2020.
*Debit cards are available if you elect to contribute $100 or more. Your card is good for three years from date of issue. If you are enrolled in the CDHP with HSA medical plan, eligible expenses are limited to dental and vision, and you will NOT receive a debit card if you enroll in the Health Care FSA.
How do I submit a claim?
You’ll need to submit your receipts for reimbursement online on the Your Spending Account (YSA) website. You can also quickly request reimbursement on your smartphone through the Reimburse Me mobile app. Eligible claims are typically processed within 3-5 days. You can activate direct deposit with YSA online, which will expedite your reimbursement directly to your bank account.
I’ve enrolled in the Dependent Care FSA in the past and have not been allowed to contribute the full $5,000. Why is that?
Under federal tax law, PayPal’s FSA programs must pass certain nondiscrimination tests each year. These tests are designed to ensure that highly compensated employees do not receive disproportionately greater benefits. If necessary, the maximum participant contribution may be reduced mid-year to comply with federal law. If you think you’ll fall into that category, and your spouse also has a Dependent Care FSA available, you might want to consider splitting the maximum between the plans.
Health Reimbursement Account (HRA)
What is a Health Reimbursement Account (HRA)
An HRA is a special account that can be used to pay for medical and prescription coverage, such as office visit copays, claims applicable to your deductible, or prescription copays.
Who is eligible for an HRA?
Employees in grades 15 through 19, who are enrolled in the UnitedHealthcare $300 Deductible medical plan.
Can I contribute to the HRA?
No. Only PayPal can contribute to the HRA. The PayPal contribution is $300 for employee only coverage or $900 if you cover dependents. The contribution will be deposited into your HRA the first pay period of 2021. You will not be taxed on the employer contribution made to your HRA.
How do I use an HRA?
You will be automatically enrolled in the HRA, if you are in grades 15 through 19 and enroll in the UHC $300 Deductible medical plan. The HRA is administered by HealthEquity. After you enroll, HealthEquity will send you a Welcome Kit, which includes a debit card. You can use the debit card at the doctor’s office or pharmacy to pay for your eligible out-of-pocket medical and pharmacy expenses. Or you can pay for these services and submit a claim for reimbursement from your HRA. Eligible claims can be submitted online or via HealthEquity’s mobile app. Review the welcome kit or visit HealthEquity.com for details on how to use your HRA.
When will I receive the HRA debit card?
If you are new to the HRA in 2021, you will automatically receive a new card in the mail in January. If you participated in the HRA in 2020 and elect for 2021, you can use your current debit card. Cards expire after 3 years. If you participated in the HRA in 2020 and discarded or lost your HRA debit card, you can request a new one online or by calling HealthEquity.
How long do I have to submit claims?
Expenses must be incurred between January 1, 2020, and December 31, 2020, while you are in an active employee status. Claims must be submitted before April 30, 2021.
How long am I eligible for an HRA?
If you remain in grades 15 through 19 and are enrolled in the UHC $300 Deductible plan, you are eligible. Your HRA will be funded at the start of each new plan year. If you are promoted to a grade above 19, you will lose eligibility for the HRA.
What happens if I don’t use the funds in the HRA?
The HRA is a use-it-or-lose-it account. You forfeit any remaining funds in your HRA if you don’t use the available balance by the end of 2020, or if you are promoted above a grade 19 or leave the company prior to December 31, 2020.
Can I have a Flexible Spending Account (FSA) and a Health Reimbursement Account (HRA)?
Yes. The HRA is an employer-funded account in which you are not eligible to make any contributions. You are eligible to contribute to an FSA by making pre-tax payroll contributions.
Why is PayPal providing an employer contribution toward the HRA?
For employees in grades 15 through 19, the HRA contribution can help with meeting plan deductibles or other eligible health care expenses. This reduces your out-of-pocket costs at the point of service.
How do I decide which option(s) to order?
- The 34-oz. Pump & Ship: This is a good option if you need to send home a daily supply of milk.
- The 72-oz. Pump & Ship: This is a good option if you have a stash of extra milk at home and/or you would like to send home more milk, less often.
- The 34-oz. and/or 72-oz. Pump & Totes: The Pump & Totes come with a tote bag to carry your Milk Stork cooler with you. They are a convenient option to support a short trip or to conclude a trip. The Pump & Totes are also a good option for weekend travel.
These options can be ordered in combination to meet your specific breastfeeding and travel needs.
Does Milk Stork provide breast milk storage bags? Can I use my own preferred brand of storage bags?
Each Milk Stork cooler comes with Lansinoh storage bags. The 34-oz. coolers include 6 Lansinoh bags, and the 72-oz. coolers include 12 bags. If you would prefer to use a different brand of breast milk storage bags (other than the ones provided), we recommend Up & Up (Target brand) or NUK bags. Please make sure to pack enough of your preferred bags to support your trip, and take care not to exceed the capacity of the Milk Stork cooler. We do not recommend using Medela or Kiinde bags. Medela bags did not perform well in our testing—developing frequent leaks. Using Kiinde bags will reduce the amount of milk that you will be able to pack in the cooler.
How long will the Milk Stork cooler keep my breast milk refrigerated?
The Pump & Ship options provide at least 72 hours of refrigeration from activation. The Pump & Tote options provide up to 60 hours of refrigeration from activation.
Can I use Milk Stork to ship frozen breast milk?
No. Milk Stork coolers are at refrigerated temperature.
How does my milk get shipped home?
Milk Stork Pump & Ships are labeled with FedEx Priority Overnight shipping labels. FedEx operates Monday through Saturday. FedEx does not operate on Sundays and certain holidays. Shipments sent on Saturday will arrive the following Monday.
FedEx Priority Overnight shipments originating from Alaska, Hawaii, and/or rural locations may experience longer transit times.
Occasionally, weather and other unexpected events may cause disruptions to FedEx's Priority Overnight service capabilities and shipping times. Milk Stork cannot control for these disruptions.
How much breast milk can I pack in each Milk Stork cooler? How much do the loaded coolers weigh, and how big are they?
- The Milk Stork 34-oz. cooler is 12” x 8” x 5” and holds approximately one day’s supply of breast milk. It weighs 6.4 lbs. at capacity.
- The Milk Stork 72-oz. cooler is 12” x 8” x 8” and holds more than a two-day supply of breast milk (for most moms). It weighs 9.6 lbs. at capacity.
How does the Milk Stork cooler work?
Milk Stork coolers rely on the principle of evaporative cooling, continuously evaporating small quantities of water at low pressure over hours and days of operation. Water flow within the cooler is regulated—responding to ambient temperatures—which protects the cooler’s contents from external temperature fluctuations during shipping.
Progyny fertility benefits
Who is eligible for the Progyny Fertility Smart Cycle benefit?
Only UnitedHealthcare plan members have access to the Progyny Fertility Smart Cycle benefit. Health Net, Kaiser, and SelectHealth medical plan members are not eligible.
Do I need a referral for treatment?
Yes. To begin treatment, you must contact Progyny at 833-838-5850.
How can I use a Smart Cycle?
A Smart Cycle can be mixed and matched to provide coverage based on your needs. For example:
- A 37-year-old woman with a history of miscarriage can use ½ a Smart Cycle for a frozen IVF treatment, then ½ a Smart Cycle for each frozen embryo transfer.
- Or a 32-year-old woman can use ½ a Smart Cycle for egg freezing and know that she can use her remaining ½ cycle if she experiences infertility some day in the future.
- A woman requiring IUI can use her Smart Cycle for 4 IUI attempts.
Can I use any fertility doctor?
In order to provide the most effective care, you will need to seek services from one of Progyny’s vast network of providers.
Will I have to undergo other treatment prior to pursuing IVF Treatment?
No, the Progyny Smart Cycle benefit approach provides comprehensive coverage for all fertility treatments, thereby removing the need for pre-certification. Progyny’s philosophy is to provide doctors the flexibility to provide the most effective treatment, the first time.
Will I receive an insurance card from Progyny?
You will not receive an insurance card. However, Progyny will provide a confirmation statement when you contact us to initiate your benefit and we authorize your services. Your confirmation statement is your proof of enrollment and will include your Progyny member ID, authorization number and a list of in-network laboratories for diagnostic testing, Preconception Carrier Screening and Preimplantation Genetic Screening (PGS).
What insurance information should I provide to my network fertility clinic and lab?
Please provide your Progyny confirmation statement.
What is my out-of-pocket responsibility?
Once you have met your medical plan deductible through your UnitedHealthcare plan, authorized fertility services will be covered at 90%. You will pay 10% of the cost until you reach your out-of-pocket maximum.
When do I pay my out-of-pocket responsibility?
Once your fertility treatment ends, you will receive an Explanation of Benefits (EOB) from UnitedHealthcare outlining your costs. You will also receive an invoice from Progyny for these costs, which will be due upon receipt.
Are fertility medications covered under the plan? Do I need a pre-authorization for fertility medications?
CVS Caremark is your pharmacy vendor. Please contact Progyny at 833-838-5850 for any questions. Note: Out-of-Network fertility medications are not covered.
How much will my medications cost?
Please contact Progyny at 833-838-5850 for any questions related to your out-of-pocket costs.