What’s new and changing for 2018

Open Enrollment is Oct. 30–Nov. 10, 2017

(Enroll and make changes by 9 pm PT on Friday, Nov. 10)

Your wellbeing matters. Adobe’s benefits support your physical, emotional and financial wellbeing—so you can be your best at work and at home.

Open Enrollment is your once-a-year chance to revisit your benefits and make sure they’re still a good fit for you and your family. Once you’ve explored and assessed your options, make your selections Oct. 30–Nov. 10.

Open Enrollment video

Here’s your 2018 Open Enrollment checklist:

  • Explore what’s new and changing
  • Attend your site’s Benefits Fair or one of the many webinars available during Open Enrollment [PDF]
  • Visit the Adobe Benefits Enrollment Site to:
    • Review your current benefits
    • Make sure your dependent information—who you cover and their Social Security number(s)—are up to date in the system
    • Check your current Health Savings Account, Health Care FSA and Dependent Care FSA contribution amounts before they roll over automatically
    • Enroll and make changes by 9 pm PT on Friday, Nov. 10.

What’s new?

More ways to ensure your emotional wellbeing

Physical fitness can contribute a lot to your wellbeing, and it’s just as important to keep your mind in shape. That’s why Adobe continues to bring you a wide array of programs to support your emotional wellbeing. Watch for these great additions in 2018:

Meditation and mindfulness app

The Headspace app is like a personal trainer for your mind. You have access to guided meditation sessions, delivered straight to your phone or browser, that help you manage your stress, sleep better, find your focus, boost your creativity and achieve more balance in your life. It’s free for Adobe employees, and you can get started today.

Enhanced access to behavioral health services

Aetna members will have access to behavioral health counseling or psychiatric sessions via secure video or phone through Teladoc and Aetna Televideo.

  • Just as Teladoc helps with your physical health by connecting you to a doctor by phone or video, Aetna members now have access to virtual counseling sessions with a psychiatrist or therapist. Teladoc costs [PDF] are covered according to your Aetna medical plan (i.e., after you meet your deductible, the plan pays 90% or 80% of the cost).
  • Available Televideo providers are listed in Aetna’s DocFind directory under “Behavioral Health Televideo.” With no travel or preauthorization needed, sessions can easily fit into busy days. Televideo visits are covered according to your Aetna medical plan (i.e., after you meet your deductible, the plan pays 90% or 80% of the cost).

More family support

Whether you’re trying to start a family or you’re already juggling family and work demands, Adobe’s benefits are there to lend a hand. Here are some exciting family-friendly developments for 2018:

Adoption reimbursement increase

If you’re interested in adopting, Adobe is providing even more help. We’re increasing the amount you can be reimbursed for adoption expenses to $25,000 (from $5,000) per child or sibling group. You can be reimbursed for two separate adoptions, for a lifetime maximum of $50,000. (And don’t forget to enroll in our group legal services. When you’re going through the adoption process, having direct access to an attorney could come in handy.)

Surrogacy reimbursement

Adobe will now reimburse you for nonmedical expenses associated with surrogacy, up to $25,000 per event, with a lifetime maximum of two events.

Coverage for fertility-related treatments

Whether you have an Aetna or Kaiser medical plan, you’ll have enhanced fertility-related benefits. We’ve expanded the covered services and made them easier to access. The Aetna lifetime maximum for fertility drugs is increasing to $20,000 (from $15,000), and Kaiser coverage for fertility treatments is increasing to 90% (from 50%). Find out what’s covered by your Aetna [PDF] or Kaiser [PDF] plan, and contact their member services teams with any questions.

Breast-milk shipping

Adobe has partnered with Milk Stork to provide breast-milk shipping services to Adobe moms traveling on business. Milk Stork provides everything you need to tote or send milk home, including a pharmaceutical-grade shipping cooler, breast milk storage bags and priority overnight shipping labels—all at no cost to you.

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What’s changing?

Last year for Aetna HealthFund (HRA)

To keep pace with health care changes, we carefully review our medical plans each year. As we announced last year, our review led us to the decision to eliminate the Aetna HealthFund (HRA) plan, effective Dec. 31, 2018. The plan is closed to new enrollment, and 2018 will be the last year current participants can continue in this plan.

If you’re currently enrolled in the Aetna HealthFund (HRA):

  • As part of the transition, Adobe will reduce by half the contribution to your Health Reimbursement Account (HRA) in 2018 to $400 for individual coverage and $800 for family coverage.
  • If you currently have an HRA balance, you’ll need to spend it by the end of 2018. Remaining funds in your HRA will be forfeited when the Aetna HealthFund (HRA) plan is eliminated or when you leave the plan, whichever is sooner.
  • Check out the Aetna HealthSave (HSA) and Aetna HealthSave Basic plans: They have the same Aetna network you know and use today. You won’t have to change your doctors, pharmacies or specialists. Plus, you’ll get the added benefits of a Health Savings Account (HSA), which offers three ways to save on taxes. If you’re in California, you may also want to check out the Kaiser HMO plan. Open Enrollment gives you the chance to explore all of your options so you can make the choice that’s right for you.

Increase to medical and vision plan paycheck deductions

There is an increase to what you will pay each pay period for your medical and vision plans. Here are the new per-paycheck rates for 2018, which will be deducted from 26 pay periods:

PlanEmployee OnlyEmployee + Child(ren)Employee + Spouse/Domestic PartnerEmployee + Spouse + Up to 2 ChildrenEmployee + Spouse + 3 or More Children
Aetna HealthSave (HSA)$10.91$49.94$76.58$99.89$109.32
Aetna HealthSave Basic$0.00$21.11$32.37$42.23$46.21
Aetna HealthFund (HRA)
(For those currently enrolled)
$24.58$72.60$110.91$145.21$162.36
Aetna Out-of-Area HealthSave (HSA)$10.91$49.94$76.58$99.89$109.32
Kaiser HMO$37.03$61.32$95.46$133.07$154.48
VSP—Basic$0.69$1.62$1.62$2.77$3.69
VSP—Vision Plus$3.92$7.38$6.92$10.85$11.77

Increase to Aetna deductibles

If you’re an Aetna HealthSave (HSA), Aetna HealthSave Basic or Aetna Out-of-Area HealthSave (HSA) member, in some cases you’ll see an increase to your deductible.

Remember: You pay less when you visit doctors and other health care providers in Aetna’s network. Your deductible is lower, so your benefits kick in sooner. And once you’ve met the deductible, your share of the costs is lower. Plus, network doctors charge lower rates (called negotiated rates [PDF]) for Aetna members.

Plan2017 Deductible2018 Deductible
Aetna HealthSave with HSA

In-network:
$1,300 individual
$2,600 family

Out-of-network:
$2,600 individual
$5,200 family

In-network:
$1,350 individual
$2,700 family

Out-of-network:
$2,700 individual
$5,400 family

Aetna HealthSave Basic

In-network:
$1,500 individual
$3,000 family

Out-of-network:
$3,000 individual
$6,000 family

In-network:
$1,600 individual
$3,200 family

Out-of-network:
$3,200 individual
$6,400 family

Aetna Out-of-Area HealthSave (HSA)

$1,300 individual
$2,600 family

 

$1,350 individual
$2,700 family

Increase to Aetna out-of-pocket maximums

If you’re an Aetna HealthSave (HSA), Aetna HealthSave Basic or Aetna HealthFund (HRA) member, in some cases you’ll see an increase in your out-of-pocket maximum (the most you’ll pay in a year for health care services).

Remember: You pay less when you visit doctors and other health care providers in Aetna’s network. If an out-of-network provider bills you for more than the recognized charge for a service, you’ll pay the difference—and it won’t count toward your out-of-pocket maximum.

Plan2017 Out-of-pocket maximum2018 Out-of-pocket maximum
Aetna HealthSave (HSA)

In-network:
$2,800 individual
$6,500 family

Out-of-network:
$5,200 individual
$10,400 family

In-network (no change):
$2,800 individual
$6,500 family

Out-of-network:
$5,400 individual
$10,800 family

Aetna HealthSave BasicIn-network:
$4,200 individual
$7,150 family
Out-of-network:
$7,200 individual
$14,400 family
In-network:
$4,200 individual
$7,350 family
Out-of-network (no change):
$7,200 individual
$14,400 family
Aetna HealthFund (HRA)

In-network:
$2,800 individual
$6,500 family

Out-of-network:
$5,200 individual
$10,400 family

In-network (no change):
$2,800 individual
$6,500 family

Out-of-network:
$5,400 individual
$10,800 family

Build your HSA balance

The IRS has increased the HSA annual contribution limits for 2018. Eligible individuals can set aside $3,450 ($50 more than last year), and families can contribute $6,900 ($150 more). If you’re over 55, you can contribute an additional $1,000 each year.

Didn’t hit the max last year? Because of the HSA’s triple tax benefits, it’s a wise move to contribute as much as possible to your account. If your budget allows, consider increasing your contributions on a regular basis.

More Adobe money for your HSA

If you’re enrolled in the Aetna HealthSave (HSA) medical plan, Adobe is giving you more money in your HSA to spend on health care in 2018: $850 for individual coverage (a $50 increase over 2017) or $1,700 if you cover your family (a $100 increase). Note: The increase offsets the legally required increase in in-network deductibles for most plans.

Contribute more to your Health Care FSA

You can contribute up to $2,650 a year (or the maximum allowed by the IRS) to your Health Care Flexible Spending Account (FSA)—a $100 increase. Note: If you have an HSA, you may not contribute to a Health Care FSA.

Kaiser HMO available throughout California

The Kaiser Permanente HMO is now available to employees across most of California. If you’re eligible (based on your home ZIP code), Kaiser will appear as an option on the Adobe Benefits Enrollment Site.

VSP glasses and contacts enhancements

The in-network allowance for frames under the VSP Basic plan is increasing from $130 to $150. For the VSP Vision Plus plan, the allowance is increasing from $200 to $250.

In either VSP plan, you receive 15% off the cost of a contact lens exam, and your copay won’t be more than $60. Plus, a standard or premium lens fitting is covered in full after your copay.

Long-Term Disability contribution increase

Your per-pay-period contribution for the Long-Term Disability (LTD) plan is increasing from $0.087 to $0.126 per $100 of coverage. You will see this reflected in your paycheck as a post-tax deduction and an equal amount added to your taxable earnings.

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You’re there for your family. Adobe’s there for you.

Whether it’s your faithful four-legged companion, your Thursday night dinner club, your kids or your elderly parents, you make commitments to others. And Adobe offers a number of ways to help you be there for them.

Here are just some of the reasons why everybody needs a helping hand sometimes—and how Adobe benefits can assist you.

Because babysitters get sick, too. What do you do when your regular child care falls through or the day care center sends your sick child home? Back-up child care from Bright Horizons Care Advantage can come to your rescue. They can also hook you up with in-home care for your parents, tutoring for your teen or a nanny for your little one.

Because kids aren’t cheap. Sure, they can be cute, but they also take a big bite out of your bank account. You can save on child care costs by contributing pretax money to a Dependent Care Flexible Spending Account (FSA). And when you enroll in the FSA, Adobe will pitch in with a gift of up to $1,200 each year.

Because pets sometimes need X-rays. With pet insurance, you’ll have more peace of mind when the vet asks, “Are you sure he swallowed the whole shoe?”

Because it helps to talk to someone. Whether it’s coping with stress, balancing the demands of home and work, weathering a rocky time in a relationship, or taking on care for your parents, the Employee Assistance Program (EAP) offers free counseling to help you get through it.

Because fine print is scary. From buying a house to setting up a will or adopting a child, there’s no substitute for having your own lawyer there to explain what Section IV, Paragraph 3.2 means. Enroll in Adobe’s group legal services so you can connect with an attorney when that time comes.

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