Kimberly Clark

Choose Your 2019 Benefits

This year's Annual Enrollment runs from October 22 through November 2. Below are highlights of the information needed for 2019 Annual Enrollment before you make your elections. Refer to the Annual Enrollment brochure mailed to your home with more details.


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What's Changing in 2019

Before enrolling, it's important to know what's changing:

Pre-Certification:

All Anthem Medical Plan options require authorization before receiving certain procedures. The list of procedures that require pre-certification will be standardized starting January 1, 2019. Although the pre-certification is usually handled between your provider and Anthem, make sure any required pre-certification is complete before moving forward with the procedure. For questions, call Anthem.

Dental Coverage:

Prior to 2019, if you wanted white-colored fillings in your molars, Delta Dental would only reimburse based on the lower cost of metal fillings and your provider could bill you the difference. Effective January 1, 2019, the Delta Dental plan will reimburse based on the cost of white-colored fillings. For questions, call Delta Dental.

Critical Illness & Accident Expense Protection

These optional insurance plans will change insurance providers – from Allstate to Voya. Also, Accident Expense Protection will now be called Accident Insurance.

Personal Accident Insurance:

This optional insurance plan will stay with Zurich – our current carrier – but the plan name has changed to Accidental Death & Dismemberment (AD&D).
Critical Illness & Accident Expense Protection

Click here to learn more about these optional insurance plans provided by Voya in 2019.

  • 2019 Medical Paycheck Costs & Overview

    CDHP Blue with HSA CDHP Green with HSA
    How the Options Are Different:
    Your annual medical paycheck cost
    (Before tobacco-free discount)
    $462 Individual
    $1,889 2-Party
    $3,330 2-Party Plus
    $300 Individual
    $1,207 2-Party
    $2,307 2-Party Plus
    Deductible In-Network:
    $1,500 Individual
    $3,000 2-Party
    $3,000 2-Party Plus

    Out-of-Network:
    $3,000 Individual
    $6,000 2-Party
    $6,000 2-Party Plus
    In-Network:
    $2,500 Individual
    $5,000 2-Party
    $5,000 2-Party Plus

    Out-of-Network:
    $5,000 Individual
    $10,000 2-Party
    $10,000 2-Party Plus
    Out-of-pocket maximum In-Network:
    $3,000 Individual
    $6,000 2-Party
    $6,000 2-Party Plus

    Out-of-network:
    $6,000 Individual
    $12,000 2-Party
    $12,000 2-Party Plus
    In-Network:
    $5,000 Individual
    $10,000 2-Party
    $10,000 2-Party Plus

    Out-of-Network:
    $10,000 Individual
    $20,000 2-Party
    $20,000 2-Party Plus
    How the Options Are the Same:
    K-C's HSA contribution $700 Individual
    $1,400 2-Party
    $1,400 2-Party Plus
    $700 Individual
    $1,400 2-Party
    $1,400 2-Party Plus
    Preventive care
    In-Network: K-C pays 100%.

    Out-of-Network: You pay 100% until you reach the out-of-network deductible, then K-C pays 60%.
    Coinsurance In-Network: You pay 100% until you reach the in-network deductible, then K-C pays 80%.

    Out-of-Network: You pay 100% until you reach the out-of-network deductible, then K-C pays 60%.
    Office visits
    Urgent care
    Emergency room
    Hospitalization
    Lab, X-ray, imaging
    Mental health inpatient
    Mental health outpatient
    Physical (includes chiropratic), speech, and occupational therapy
    In-Network: You pay 100% until you meet the in-network deductible, then K-C pays 80% (combined 60-visit annual max).

    Out-of-Network: You pay 100% until you meet the out-of-network deductible, then K-C pays 60% (combined 60-visit annual max).
    How Both Options Cover Prescription Drugs
    Maintenance K-C pays 100% for certain maintenance prescriptions.1
    Generic You pay 100% until you meet the deductible, then K-C pays 80%.
    Preferred brand
    Non-preferred brand
    1To learn which maintenance prescriptions are included, log in at caremark.com or call CVS/caremark.
  • 2019 Dental Paycheck Costs

    Individual $203
    2-Party $406
    2-Party Plus $609
  • 2019 Vision Paycheck Costs

    Individual $63
    2-Party $126
    2-Party Plus $189
  • Before Enrollment

    Before completing your enrollment, consider the following:

    How other coverage outside of K-C impacts your HSA eligibility:

    If you’re enrolled in TRICARE, Medicare, or a non-high deductible health plan outside of K-C, the IRS specifies that you cannot contribute to or receive company contributions into an HSA. There are also special eligibility considerations for Veterans Administration benefits. Click here to learn more about HSA eligibility.

    What information and paperwork you’ll need if adding a new, eligible dependent:

    You’ll need their Social Security Number, date of birth, and address (if different from yours). Once added, you’ll then need to enroll them in each benefit you’d like them to have coverage for (e.g., medical, dental). Documentation is required for each new dependent you add, which is due to Empyrean 30 days from the day you complete your Annual Enrollment. Click here to learn more.

    Who should get your money when you’re gone:

    If you don’t designate beneficiaries for all plans that pay a benefit (e.g., life insurances, HSA, retirement plans), your money could get tied up in complicated legal matters. If you’ve had a life change such as a divorce, review and update your beneficiaries now so there are no surprises later. You’ll need the Social Security Number and date of birth for each beneficiary you elect.
    1. For Health & Welfare plans such as life insurance, log in to K-C Benefit Compass > Access to Your Profile > Your Beneficiaries.
    2. For your Health Savings Account, log in to ConnectYourCare. From the home page, click your name in the upper right corner > Settings and Preferences > Beneficiaries.
    3. For your 401(k) & Profit Sharing Plan, log in to NetBenefits > Menu > Beneficiaries.
  • Completing Your Enrollment

    You can complete your 2019 enrollment online or by phone.

    Online

    From your computer or mobile device, go to K-C Benefit Compass. You’ll have until 11:59 p.m. CT on November 2 to complete your enrollment online.

    Phone

    Call the K-C Benefits Information Line before 5 p.m., ET on November 2 and choose the Health & Welfare option. Representatives are available Monday through Friday, 9 a.m. to 5 p.m. ET.

    If you don't take action to enroll, here's what to expect:

    Medical plan option: You and your covered dependents will default into the medical plan option you’re currently enrolled in. If you had previously declined coverage for 2018, you’ll continue with no coverage in 2019.
    Savings & spending account(s): You’ll have no employee savings or spending account contributions, meaning you’ll miss out on an opportunity to lower your taxable income.
    Tobacco user status: You’ll default to tobacco-user status, meaning you’ll miss out on the $240 Tobacco-Free discount on your annual medical paycheck costs.
  • After You Enroll

    Here's what to expect once you've completed your enrollment:

    Confirmation Email:

    Within 24 hours of completing your enrollment, you’ll receive a confirmation email from Empyrean.

    Changing Elections:

    If you need to make changes to your elections, log in to K-C Benefit Compass on or before November 2 and click Make an Update. If you need help, call the K-C Benefits Information Line and choose the Health & Welfare option.
  • Important Deadlines

    Once Annual Enrollment ends, there may still be a few things that require your action with ConnectYourCare:

    December 20, 2018

    Deadline to submit your 2018 Adoption and Education Reimbursement claims.

    December 31, 2018

    Deadline to incur expenses against 2018 Flexible Spending Account (FSA) and Dependent Care Spending Account (DCSA) balances.

    March 31, 2019

    Deadline to file eligible 2018 FSA and DCSA claims (incurred January 1 – December 31, 2018).

Disclaimer

This site is provided to help Kimberly-Clark (K-C) employees better understand their benefit plans. It does not guarantee coverage under a plan and does not provide complete descriptions of K-C benefit plans. K-C reserves the right to change these plans at any time. In all cases, the formal Plan Documents will govern.

If you are an organized hourly employee covered by these plans, see your HR representative or other person designated at your unit for information on how your plan(s) may differ from the information on this site. You may also call the Benefits Information Line at 800-551-2333. Empyrean representatives are available Monday through Friday, 9 a.m. to 5 p.m. ET and Fidelity representatives are available Monday through Friday, 8:30 a.m. to 8:30 p.m. ET. From outside the U.S., dial your country’s toll-free AT&T Direct Access number then enter 800-551-2333.