Introduction
Plans at a Glance
- Medical
- Dental
- Vision
- Flexible Spending Accounts
- Disability
- Life Insurance
- Business Travel Accident Multinational Insurance Plan
Eligibility
- For Yourself
  - Special Rules for Certain Plans
  - Basic and Supplemental Life Insurance and Employee Accidental Death and Dismemberment (AD&D) Insurance
- For Your Eligible Dependents
- Dual Coverage
Enroll for Coverage
- Automatic Coverage Once Eligible
- Enroll within 30 Days Once Eligible
- Enroll at Any Time
- Dependent Eligibility Verification Process
- When Coverage Begins
- Paying for Your Benefits
Changing Your Elections During the Year
- Medical, Dental, Vision, FSAs, Supplemental Long-Term Disability and Voluntary Benefits (Accident Insurance, Hospital Indemnity and Critical Illness Plans)
- Health Savings Account, Supplemental and Dependent Life Insurance, and AD&D Insurance
- HIPAA Special Enrollment Events
- Qualified Life Status Change Events
- Coverage and Cost Events
- Other Events Allowing You to Change Elections
- Requesting a Coverage Change
  - For the Flexible Spending Accounts
Continuation of Coverage
- Continuing Group Health Plan/FSA Coverage During FMLA and Other Qualified Leaves
- Special Rules Regarding Your Health Care FSA or Limited Purpose FSA
- Continuing Group Health Plan and Health Care FSA Plan Coverage During Military Leave
  - For Military Leaves 31 Days or Less
  - For Military Leaves Over 31 Days
- Continuing Welfare Plan Coverage During FMLA and Other Qualifying Leave including Military Leave
- Continuing Coverage During Long-Term Disability
- Continuing Coverage while Receiving Separation Pay Plan or Other Severance Payments
Continuing Coverage under COBRA
- Who Is Covered
  - Your Duties
  - The Plan Administrator’s Duties
- Electing COBRA
  - Separate Elections
- Duration of COBRA
- Cost of Coverage
- Other State COBRA Rights
Benefits and Deadlines Affected by COVID-19
- COVID-19 Medical Care
- Continued Medical Coverage
- Personal Protective Equipment
Medical
- Provider Networks
- Standard POS II Medical Plan Option
- Core HSA and Standard HSA Medical Plan Options
  - Health Savings Account (HSA)
- Medical Network Providers
- Recognized Charge
  - Voluntary Services
  - Involuntary Services and Surprise Bills
- What You Pay for Medical
- Eligible Expenses
  - Medical Deductible
  - Medical Coinsurance
  - Out-of-Pocket Maximum
  - Lifetime Maximum Benefit Limits
  - Medically Necessary or Medical Necessity
- Continuity of Care – Keeping a Provider or Facility You Go to Now
- 2nd.MD Services
- Prior Authorization
  - Prior Authorization of Prescription Drugs
  - Predetermination of Non-Network Benefits
- What’s Covered for Medical
  - Medical Benefits Summary
  - More Benefit Details
- Health and Wellness Programs for Covered Individuals
  - Health Improvement Plan
  - Decision Support
  - Aetna's Member Website
  - Aetna Smart Compare^SM Program
  - Disease Management Services
  - Tobacco Cessation Program
- What’s Not Covered for Medical
  - Services Not Permitted Under Applicable State or Local Laws
- Medical Plan Mental Health/Substance Use Disorder Benefits
  - Notification and Authorization Requirements
  - Special Needs Case Management
  - What’s Covered for Mental Health/Substance Use Disorders
  - What’s Not Covered for Mental Health/Substance Use Disorders
- TELUS Health Wellbeing Program
  - TELUS Health Services
  - What You Pay for TELUS Health Wellbeing Program
  - Accessing TELUS Health Wellbeing Program
- Medical Plan Prescription Drug Benefits
  - Formulary
- What’s Covered for Prescription Drugs
  - Prescription Drug Benefit Summary
  - Preventive Medications
  - Maintenance Prescription Drugs
  - Pharmacies
- CVS Caremark Prescription Drug Programs
  - Maintenance Choice Program
  - FastStart
  - ScriptSync
- Utilization Management and Coverage Limits
  - Generic Step Therapy
  - Prior Authorization
  - Drug Utilization Review
- What’s Not Covered for Prescription Drugs
- Filling a Prescription
  - Using the Specialty Pharmacy
- Requesting Medical and Prescription Drug Benefits
- How Aetna Administers This Plan
- Aetna’s authority as claim administrator
Dental
- Network Dentists
  - PPO Option
  - DMO Option
- What You Pay under Dental
- What’s Covered under the PPO
- What’s Covered under the DMO
- Additional Coverage Provisions
- What’s Not Covered under Dental
- Requesting Dental Benefits
Vision
- Vision Network Providers
- What You Pay under Vision
  - Copay
  - Vision Amounts that Exceed the Allowance
- What’s Covered under Vision
  - Vision Benefits
- Vision Exclusions and Limitations
- What’s Not Covered under Vision
- Diabetic Eyecare Program
  - DEP Benefits
  - Exclusions and Limitations of the DEP
- Requesting Vision Benefits
Flexible Spending Accounts
- How FSAs Work
- Health Care FSA
- Limited Purpose FSA
- Dependent Care FSA
Disability
- Statutory Disability
- Your Other Benefits
- Coordination with Family and Medical Leave
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Taxation
- Overpayment
Life and Accident Insurance
- Naming a Beneficiary
- Annual Earnings
- Insurance Changes
- Assignment of Benefits
- Life Insurance
- Accidental Death and Dismemberment (AD&D) Insurance
- Continuing Your Insurance
- Requesting Life and AD&D Insurance Benefits
Business Travel Accident Multinational Insurance Plan
- What’s Covered
- What’s Not Covered
- Requesting Benefits
Coordination of Benefits (COB)
- Determining Which Plan is Primary
  - When This Plan is Secondary
- Coordination of Benefits with Medicare
- Right to Receive and Release Necessary Information
- Right to Receive and Release Needed Information
- Facility of Payment
- Subrogation
- Reimbursement Provisions
- Overpayment
  - Overpayment and Underpayment of Benefits
  - Refund of Overpayments
- Unclaimed Funds
- No Guarantee of Tax Consequences
- Severability
- Applicable Law
- No Vested Interest
- Employer Records
Claim Denials and Appeals
- Assigning Benefits
- Claims and Appeals Procedures
When Coverage Ends
Administrative Information
- Plan Names and Numbers
- Plan Sponsor and Administrator
- Agent for Service of Legal Process
- Claims Administrators and Service Providers
- Employer Identification Number
- Funding of the Plan
- Plan Year
- Right to Amend or Terminate the Plan
- No Employment Guarantee
- HIPAA
- Your ERISA Rights
Required Notices and Disclosures
- Medicare Part D Prescription Drug Credible Coverage Disclosure Notice
- Notice of HIPAA Privacy Rights
- Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
- New Health Insurance Marketplace Coverage Options and Your Health Coverage
- Your Rights and Protections Against Surprise Medical Bills

Medical

S&P Global Inc. provides medical coverage through three primary plan options:

The Core Health Savings Account (HSA) Medical Plan Option;
The Standard HSA Medical Plan Option; and
The Standard POS II Medical Plan Option.

There are a number of common plan provisions among these medical options. For example, all options:

Provide in-network and out-of-network coverage;
Cover most preventive care at 100% in-network;
Require you to meet an annual deductible; and
Include mental health and substance abuse benefits and prescription drug coverage.

But there are also some key differences. For example, under the Core HSA Medical Plan Option, you pay the lowest per-paycheck contributions and the highest annual deductible than under both the Standard HSA Medical Plan Option and the Standard POS II Medical Plan Option. However, unlike the Standard POS II Medical Plan Option, prescription drug expenses under both HSA Medical Plan Options apply toward your annual deductible.

All three of the Medical Plan options also include prescription drug coverage and mental health/substance use disorder and employee assistance coverage.