Broadridge Benefits

Retail & Mail Order Copays Changing

The Traditional Choice and SavingsPlus HSA medical options will have the following changes – marked in orange – to prescription drug coverage:

Plan Design		Traditional Choice Plus	SavingsPlus HSA¹	Basic Plus²
Annual Deductible (You pay 100% of cost until deductible is met)		$900 individual $2,000 family	$1,800 individual $4,200 family	$4,000 individual $8,000 family
Office Visit (Primary/Specialist)		$25/$45 (No deductible applied)	20%	$25/$50 (No deductible applied)
Coinsurance (Your Cost)		20%	20%	None (After deductible is met)
Out-of-Pocket Maximum		$3,000 individual $6,000 family	$3,950 individual $7,050 family	$4,000 individual $8,000 family
Prescription Drugs³		No Rx Deductible/ Separate Rx Out-of-Pocket Maximum $3,750/$7,500	Combined with Medical Deductible and Out-of-Pocket Maximum	Combined with Medical Deductible and Out-of-Pocket Maximum
Retail (up to 30-day supply)	Generic	30% ($15 min; $60 max)	30% ($15 min; $60 max)	$10 no deductible
	Preferred	30% ($45 min; $120 max)	30% ($45 min; $120 max)	You Pay 100% before deductible
	Non-Preferred	50% ($70 min; $180 max)	50% ($70 min; $180 max)	You Pay 100% before deductible
Mail-Order (up to 90-day supply)	Generic	30% ($30 min; $120 max)	30% ($30 min; $120 max)	$25 no deductible
	Preferred	30% ($90 min; $240 max)	30% ($90 min; $240 max)	You Pay 100% before deductible
	Non-Preferred	50% ($175 min; $450 max)	50% ($175 min; $450 max)	You Pay 100% before deductible

¹Associates covering a dependent must meet full family deductible before coinsurance. This is a qualified plan for a Health Savings Account (HSA). If you open an HSA account, Broadridge contributes $500 Individual/ $1,000 Family annually.
²This plan provides in-network benefits only and is automatically bundled with Hospital Indemnity Insurance (HI). The cost of coverage shown is the combined cost of Medical + HI (deductions taken separately in your pay).
³If you purchase a brand drug (preferred or non-preferred) when a generic is available, you will pay the generic copay plus the cost difference between the brand and generic medication. The difference will not count towards your out-of-pocket limit. Some drugs are subject to preauthorization rules. Long term (maintenance) drugs are subject to higher member cost-share if purchased at retail instead of mail. Certain preventive medications covered at $0 copay.

Resources to Help Before You Enroll:

Medical Plan Comparison Chart
ALEX – Use the online benefits counseling tool to estimate your personalized out-of-pocket costs and find a plan that’s the right fit for you
Ayco or call 888-296-2480 – Schedule an appointment with a Financial Wellness Coach for personal assistance with maximizing the value of your benefits
Additional Plan Information on Total Rewards – Review plan details and other plan materials
Contacts – Get the phone number and/or website of our benefit vendors.

Back to What's Changing for 2021