What are the medical plan options?
  • What are the medical plan options?
    You have three medical plan options:
    • The Consumer Plan – a High Deductible Health Plan with a Health Savings Account option
    • The Consumer Plus Plan – a High Deductible Health Plan with a Health Savings Account option
    • The Traditional Plan – a PPO plan
What is the difference between the plans?
  • What is the difference between the plans?
    The Consumer Plan and the Consumer Plus Plan are both high deductible health plans, which means they have higher deductibles, but lower paycheck costs than the Traditional Plan. Once you meet the deductible in a Consumer Plan, you and Newell Brands share the cost of your care through coinsurance (except for certain preventive services which are covered at 100%). Once you meet the out-of-pocket maximum, Newell Brands pays 100% for the rest of the year.

    The Traditional Plan is a PPO plan. The Traditional Plan has a lower deductible but higher paycheck costs than the Consumer Plans. You pay copays for doctors visits, and coinsurance for most other services. You have to meet the deductible for medical services before you and Newell Brands share the cost of your care with coinsurance. You continue to pay copays even after you’ve met the deductible. Once you meet the out-of-pocket maximum, Newell Brands pays 100% for the rest of the year.
Why is there a penalty for using the emergency room in a non-emergency?
  • Why is there a penalty for using the emergency room in a non-emergency?
    Newell Brands employees are encouraged to use the emergency room when it is truly needed. When individuals use the emergency room when it’s not a true emergency, it raises costs for everyone. Whether a visit is a true emergency is based on the medical coding done by the hospital based on your symptoms. Newell Brands provides alternatives to immediate medical care such as telemedicine consultations and a 24-hour nurse line available through the medical carriers. You can also consider an urgent care facility if appropriate, depending on your symptoms.
When I (or my eligible dependent) becomes Medicare-eligible, what are my options for medical coverage?
  • When I (or my eligible dependent) becomes Medicare-eligible, what are my options for medical coverage?
    Go to medicare.gov for more information or contact the Newell Brands Benefits Center at 1-833-4NEWELL (463-9355).
Will I have to pay for care at the time I get it?
  • Will I have to pay for care at the time I get it?
    A deductible is the amount you have to pay before you and Newell Brands share in the cost of care through coinsurance, except for certain preventive services and prescription drugs which may be covered before the deductible is met (e.g., preventive care). Read the interactive guide to see the deductibles.
What is a medical copay and how does it work?
  • What is a medical copay and how does it work?
    A copay is a flat fee you pay for certain medical services. The Consumer Plans do not have copays. For the Traditional Plan, you pay copays for primary care and specialist office visits. Read the interactive guide to see the plan design.
What is medical coinsurance and how does it work?
  • What is medical coinsurance and how does it work?
    What is medical coinsurance and how does it work?
What is the medical out-of-pocket maximum and how does it work?
  • What is the medical out-of-pocket maximum and how does it work?
    The out-of-pocket maximum is the cap on what you will pay for medical expenses in a year. Once you reach the out-of-pocket maximum, Newell Brands pays 100% of your cost through the end of the year. Your prescription drug costs are included in the medical out-of-pocket maximum. Read the interactive guide to see the out-of-pocket maximums for medical services and prescription drugs. Note: certain penalties may not apply to the out-of-pocket maximum.
Will I have to pay for care at the time I get it?
  • Will I have to pay for care at the time I get it?
    For the Consumer Plan and the Consumer Plus Plan, you should not pay for care at the time of service – you will get a bill later. For the Traditional Plan, you pay copays for primary care and specialist office visits at the time of care. For other services, you will receive a bill later.
Is there a difference in the payroll deduction costs between the medical plans?
  • Is there a difference in the payroll deduction costs between the medical plans?
    Yes. The Consumer Plan has the lowest payroll deductions and the Traditional Plan has the highest. The Consumer Plus Plan is in the middle. You can see the payroll deduction amounts here .
Who is the medical provider for 2021?
  • Who is the medical provider for 2021?
    Newell Brands will offer one broad medical network in 2021 with Anthem/AmeriBen.
Who is Anthem?
  • Who is Anthem?
    Anthem, Inc. is one of the largest health benefits companies in the United States. Through its affiliated health plans, Anthem companies deliver a number of leading health benefit solutions through a broad portfolio of integrated health care plans and related services.
Is Anthem/AmeriBen different from Anthem?
  • Is Anthem/AmeriBen different from Anthem?
    Anthem provides the doctor/facility network that allows Newell Brands employees to access high-quality healthcare at discounted rates. In some areas, you may know Anthem as Blue Cross Blue Shield networks. AmeriBen is a third-party administrator who partners with Anthem to answer your questions about your health insurance, provide pre-certification and other medical management services, and more accurately process your medical claims.
What is the relationship between Anthem and Blue Cross Blue Shield?
  • What is the relationship between Anthem and Blue Cross Blue Shield?
    Anthem is a member of the Blue Cross Blue Shield Association. Providers that are in-network with Anthem are in-network with Blue Cross Blue Shield.
How will I know if my doctor is in the Anthem network?
  • How will I know if my doctor is in the Anthem network?
    Use this tool to find out if your doctor is in the Anthem network.
Are there be tools to help me choose a medical plan?
  • Are there be tools to help me choose a medical plan?
    Yes. Read the interactive guide to learn about your choices. You will also find helpful tools at WellAtNewell.com .
Who owes you the docs
  • Who owes you the docs
    Benefits costs will be based on your salary. There are three tiers. They are: under $30,000 per year, $30,000 to $99,999 per year, and $100,000 and up per year. The payroll deduction amounts are in the interactive guide .
Does my overtime pay or bonus impact what I pay for my medical plan?
  • Does my overtime pay or bonus impact what I pay for my medical plan?
    No. Your costs are based on your annual salary only.
Why do the medical plans have different costs?
  • Why do the medical plans have different costs?
    The payroll costs of the medical plans are based on several different factors. The more you pay out of your paycheck, the lower the deductible, which means the less you pay out of your pocket during the year for care. The Consumer Plan has the highest deductible, but the lowest payroll deduction costs. The Traditional Plan has the lowest deductible, but the highest costs. Individuals can decide whether they prefer the consistency of higher payroll deductions and more predictable copays for services under the Traditional Plan, or whether they would prefer to have a higher deductible and pay less in payroll deductions in one of the Consumer Plans.
Will I receive a new member ID card?
  • Will I receive a new member ID card?
    If you are a new hire, you will receive a member ID card for your medical, prescription drug, and dental insurance. You don't need an ID card for vision coverage.

    If you are currently enrolled in benefits and do not change you benefits during annual enrollment, you will not receive an ID card. You will use the same one you do now.

    You will receive member ID cards in late December if you are enrolling in - or changing - medical, prescription drug, and dental insurance coverage. You don’t need an ID card for vision coverage.
What if I don't get my member ID card before I need to use my benefits?
  • What if I don't get my member ID card before I need to use my benefits?
    You can register on the carrier website and print an ID card or call the Newell Brands Benefits Center at 1-833-4NEWELL (463-9355) for assistance.
Who is CVS Health?
  • Who is CVS Health?
    CVS Health is our pharmacy benefits manager. They have over 9900 retail locations in 49 states, servicing about 23M individuals.
How do I know if my preferred pharmacy is in the network?
  • How do I know if my preferred pharmacy is in the network?
    You can check which pharmacies are in-network here or by calling CVS Health at 800-213-0879.
Can I calculate the cost of my drug(s)?
  • Can I calculate the cost of my drug(s)?
    You may use the CVS drug pricing tool or contact CVS Health at 800-213-0879.
Will I receive a pharmacy ID card?
  • Will I receive a pharmacy ID card?
    If you are a new hire, you will receive a pharmacy ID card from CVS that you will use to purchase prescriptions.

    If you are currently enrolled in medical coverage and keep your same plan, you will receive a pharmacy ID card in 2021. Going forward you will receive a new pharmacy ID card from CVS if you enroll in medical coverage for the first time or change medical plans.
What is the prescription drug deductible and how does it work?
  • What is the prescription drug deductible and how does it work?
    For both the Consumer Plan and the Consumer Plus Plan, you have to first have to meet the annual combined medical/prescription drug deductible before you and Newell Brands share in the cost of prescriptions through coinsurance (except for a list of certain drugs which are covered at 100% or certain others that are covered before the deductible has been met). Read the interactive guide to see the deductibles.

    For the Traditional Plan, the annual deductible does not apply to prescription drugs.
What is the prescription drug copay and how does it work?
  • What is the prescription drug copay and how does it work?
    A copay is a flat fee you pay when you purchase certain prescriptions under the Traditional medical plan. The Consumer Plans do not have copays. The Traditional Plan has copays for generic and preferred brand drugs. Read the interactive guide to see the copays.
What is the prescription drug coinsurance and how does it work?
  • What is the prescription drug coinsurance and how does it work?
    Coinsurance is a percentage of the cost that you pay for prescription drugs (Newell Brands pays the remaining percentage). For the Consumer Plan and the Consumer Plus Plan, you pay coinsurance for most prescription drugs. You first have to meet your annual combined medical/prescription drug deductible before paying coinsurance (except for a list of certain drugs which are covered at 100% or certain others that are covered before the deductible has been met). Read the interactive guide to see the coinsurance.

    For the Traditional Plan, you only pay coinsurance for non-preferred brand and specialty drugs. You do not have to meet the annual medical deductible first before you begin paying coinsurance for prescription drugs. Read the interactive guide to see the coinsurance.
What is a formulary?
  • What is a formulary?
    A formulary:
    • Outlines the most commonly prescribed medications from your plan’s
    complete pharmacy benefit coverage list
    • Identifies the drugs available for certain conditions and organizes
    them into cost levels, also known as tiers
    • Includes other programs, such as prior authorization and step therapy
    and exclusions, which may affect how medications are covered
    To learn if your medication is covered, called CVS Health at 800-213-0879.
Where can I find a copy of the formulary?
  • Where can I find a copy of the formulary?
    You can find the formulary on the CVS Caremark app or at caremark.com Or you can call 800-213-0879.
When I’m reviewing the formulary, what do the prescription drug tiers mean (e.g., Tier 1, Tier 2, etc.)?
  • When I’m reviewing the formulary, what do the prescription drug tiers mean (e.g., Tier 1, Tier 2, etc.)?
    Tier 1 are lower-cost medications and include generics and some brand name drugs. Tier 2 are preferred drugs and include a mix of generics and brand name drugs. Tier 3 are non-preferred drugs, which are higher-cost brand name drugs, as well as select generic medications.

    The formulary is a list of commonly prescribed medications from the medical plan’s pharmacy benefit coverage list. It lists the drugs available for certain conditions and is organized into different cost levels known as tiers. Tier 1 medications are your lower-cost options and Tier 3 are the highest cost options. Check the formulary to find out what tier your medications are in. The drug tier is listed next to the drug name.
Can I see my pharmacy benefit information online?
  • Can I see my pharmacy benefit information online?
    Yes, you can access your prescription and home delivery information online at caremark.com or through the CVS app.
My drug has a generic equivalent. Will I pay more if I prefer the brand?
  • My drug has a generic equivalent. Will I pay more if I prefer the brand?
    Generic medications have the best value and the plan encourages generic use with a lower copay amount. If you choose a brand over the generic equivalent, you will pay more (if coverage is provided for that brand).
My drug is required to go through a step-therapy program, but I have already tried other medications and they do not work. What can I do?
  • My drug is required to go through a step-therapy program, but I have already tried other medications and they do not work. What can I do?
    In most cases, CVS will review your prescription history for the past 18 months and will see if you have tried a medication that did not work for you. If this is the case, you may not be required to go through the step-therapy process. CVS will advise you in writing if your medication will need to go through the step-therapy process.
What are the advantages of using CVS home delivery?
  • What are the advantages of using CVS home delivery?
    Many members find CVS home delivery to be a convenient, cost-effective, and safe option for medications they take regularly.
    • Medications are delivered directly to your mailbox, which means fewer trips to the pharmacy
    • You will receive up to a three-month supply, which may save you money
    • Pharmacists are available by phone 24 hours a day, 7 days a week, to answer questions
    • You can set up automatic reminders to help you remember when to take your medication and refill your prescription
Do I need a 90-day prescription for all my medications?
  • Do I need a 90-day prescription for all my medications?
    No. This program only applies to certain maintenance medications taken on an ongoing basis. Excluded are medications that are taken for a short period of time (such as antibiotics), controlled substances, or medications included in the specialty pharmacy program.
How do I order my prescriptions from CVS home delivery?
  • How do I order my prescriptions from CVS home delivery?
    There are four ways to place a home delivery order:
    1. Online. Visit Caremark.com or use the CVS app.
    2. On the phone. Call 800-213-0879
    3. Via mail. You can download a form from CVS . Complete the form and mail it to Caremark.com with your prescription.
    4. Via ePrescribe. Your doctor can send an electronic prescription to Caremark.com .
What if I want to have my prescription delivered to a different address?
  • What if I want to have my prescription delivered to a different address?
    Contact CVS to change the shipping address for a home delivery medication. Additionally, you can store multiple addresses in your profile. This allows you to modify your preferred shipping location for each refill by checking a box.
Can I set up my home delivery medications for automatic refills?
  • Can I set up my home delivery medications for automatic refills?
    Yes, you have the option of enrolling in Hassle-Free-Fill for eligible medications. The Hassle-Free-Fill program automatically mails your selected prescriptions to you as long as you have an active prescription, form of payment, and address indicated in your profile. Some medications may not be eligible for the Hassle-Free-Fill program.
How do I enroll in the Hassle-Free Fill program?
  • How do I enroll in the Hassle-Free Fill program?
    Visit Caremark.com , register, and follow the step-by-step instructions. You are able to select which medications you want in the Hassle-Free Fill Program or remove them. You can also call the member phone number on your ID card to talk with a representative.
Once I place a home delivery order, how quickly will I get my medication?
  • Once I place a home delivery order, how quickly will I get my medication?
    New prescription orders are delivered by standard U.S. mail and will arrive around 10 business days from the date CVS receives the order. Refills normally arrive within 7 business days.
Will I incur a penalty if I do not select home delivery or a CVS Pharmacy 90-day supply for my maintenance prescriptions?
  • Will I incur a penalty if I do not select home delivery or a CVS Pharmacy 90-day supply for my maintenance prescriptions?
    Yes, you must take action on your monthly maintenance medications and enroll in 90-day home delivery or transfer them to a CVS Pharmacy in a 90-day supply or you will pay the full cost of the medication beginning with your third fill. CVS will send reminder letters to you regarding this benefit feature after each 30-day retail fill, that include instructions on switching to home delivery or transferring your prescription to a CVS pharmacy.
What are the advantages of using CVS Pharmacy for my 90-day medications?
  • What are the advantages of using CVS Pharmacy for my 90-day medications?
    Some members prefer the face-to-face interaction they have with their pharmacists and enjoy the retail pharmacy experience. Newell Brands has the added convenience of filling your 90-day maintenance medications at any CVS Pharmacy.
How do I transfer a prescription to CVS?
  • How do I transfer a prescription to CVS?
    Call or visit any of the nearly 9,700 CVS Pharmacy locations and provide your ID card. You can also request to transfer your medications online by visiting CVS.com/transfer .
    All you need is the name of the medication along with the name and phone number of the transferring pharmacy.