Kimberly Clark

K-C Benefits Buzz

Come See the Bigger Picture!

The value of working at K-C goes beyond your paycheck. Take a closer look and you’ll find your medical/prescription, dental, and vision coverage is only the beginning.

Learn more about what’s available to you at K-C through this quarterly newsletter.

Some of the benefits information in this newsletter may not apply to you.

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Set Yourself Up to Finish Strong

Whether retirement is just around the corner or in the distant future, the K-C 401(k) & Profit Sharing Plan (PSP) is a great resource to help you build your retirement savings. Start by electing to contribute a percentage of your eligible earnings each pay period through pre-tax, Roth 401(k), and/or after-tax deductions. Then, you can take advantage of the K-C Company match, where K-C matches your contribution dollar-for-dollar up to 4% of your eligible earnings.

Here’s how it works.


What’s a profit sharing contribution?

In addition to the Company match, K-C may make a discretionary profit sharing contribution each year. The amount K-C contributes ranges from 0% to 8% of your eligible earnings, with a target of 4%. The actual percentage is based on how K-C performs against our Earnings Per Share (EPS) goal. To learn more about the Company match and view the 2018 Profit Sharing Scale, click here.

To review and/or change your paycheck contribution, visit NetBenefits, select Quick Links then Contribution Amount.

2018 Profit Sharing Contribution

Even though 2018 was a challenging year, K-C has made a profit sharing contribution to eligible participants' accounts thanks to our hard work and commitment to K-C's future.

Based on our adjusted 2018 EPS of $6.61, K-C contributed 3.4% of your eligible 2018 earnings into your 401(k) & PSP account on February 1.

See how much K-C contributed by logging in to Fidelity’s website at NetBenefits. From the home page, click View Summary and select the Transaction History tab.


Learn Your Health Numbers

Preventive care services, as defined by the Affordable Care Act, include screenings, well visits, and immunizations, which are important to staying healthy. These services identify health problems early on so you can take action before they turn into chronic conditions. K-C’s medical plan options cover in-network preventive services at no cost to you.

Ready to schedule your preventive care?

Here is an easy checklist:

Find an In-Network Doctor

Preventive services are 100% paid for by K-C, but only if you visit an in-network doctor. Check your doctor’s network status or find a new in-network doctor by going online or calling 866-873-4010. Have your Anthem ID card handy as your identification number may be required.

Ask About Your Health Numbers

During your doctor's visit, ask about your important health numbers such as blood pressure, blood sugar (glucose), blood cholesterol, and body weight. Knowing these numbers and keeping them within a healthy range can greatly reduce your risk for developing heart disease, diabetes, or other chronic diseases.

Map Out an Action Plan

If your health numbers are not within a healthy range, work with your doctor to develop a plan to reach these goals. Just note that if your preventive care visit results in follow-up care, any diagnostic services (e.g., x-ray, MRI) will not be considered preventive. This means they’ll be subject to your annual deductible and any coinsurance.

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Paying for Non-Preventive Care?

When it’s time to pay for a typical doctor’s visit that is not considered preventive, here’s what to expect when using an in-network provider:

1. If asked to pay first, offer a small amount.

When at the doctor’s office, ask them to first file your claim with Anthem before paying any money. If you’re asked to pay money upfront, offer a small amount like $25 or $50.

2. Your doctor files a claim with Anthem.

Your doctor will then file a claim with Anthem that contains information on any services and procedures you received, the date you received them, and their cost for these services and procedures

3. Anthem processes claim, sends an EOB.

Anthem processes your doctor’s filed claim against its negotiated discounts. They then reconcile your claim and send you an EOB explaining what the doctor charged, what their discounted rate for that service / procedure is, what K-C paid for (if deductible met), and what you may owe. This is not a bill, but hold on to your EOB for reference.

4. Your doctor sends a bill for what you owe.

Your doctor will send you a bill. Compare it with your Anthem EOB to make sure the amounts charged for your services / procedures match. If you need help with your EOB or if your EOB and doctor’s bill don’t match, call Anthem at 866-873-4010 for help. They can even talk directly with your doctor’s office to resolve billing issues.

5. Pay with CYC payment card or personal funds.

CDHP Blue or Green: Use your ConnectYourCare (CYC) payment card or personal funds to pay your doctor’s bill.

CDHP HRA: Your HRA balance is automatically used to pay for the amount you owe. Once your HRA balance is exhausted, you’re responsible for the cost of services.

Learn more about what services are considered preventive care at healthcare.gov/coverage > Preventive Health Services.

If you're not enrolled in an Anthem plan, call the number located on the back of your medical ID card for information on finding a doctor or paying for medical care.


Browse for Better Options

Just like shopping for electronics, appliances, or even a new car, researching and comparing your health care options could save you hundreds or even thousands of dollars. Use your mobile phone, tablet, or computer to access Healthcare Bluebook — an online health care shopping tool available at no cost to you if enrolled in an Anthem plan.

You’re just five simple steps away from being a smart health care shopper:

  1. Log in to healthcarebluebook.com/cc/kc or download the Healthcare Bluebook mobile app (Company Code “KMB”).
  2. Enter your ZIP code and the procedure, test, or service you need.
  3. Review the range of costs for the service as well as its Fair Price.
  4. Select from the list of in-network providers near you, with individual costs and quality-of-care ratings.
  5. Work with your doctor to schedule your procedure, test, or service with the provider you selected.

Remember, you’re paying for the procedure, test, or service — so don’t be afraid to ask your doctor about a lower-cost alternative whenever possible.

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Use Your Cushion to Pay for Care

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If you’re enrolled in a Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA), your HSA helps you pay for care. Simply put, an HSA is like a personal savings account but the money in it is used to pay for eligible health care expenses.

If you’ve elected to contribute to an HSA, you can borrow against your future contributions with HSA On Demand. Similar to overdraft protection, HSA On Demand automatically advances your future HSA paycheck contributions — up to the amount you’ve elected for the year — to help cover the care you need now. Then, you’ll continue contributing to your HSA with each paycheck as usual.

If you’re not contributing to your HSA, it’s not too late to start. To review and/or change your HSA contribution, visit kcbenefitcompass.com then click Change HSA Paycheck Contribution.

HSA help is available 24/7, 365 days a year by calling CYC at 844-594-1228.


Tips to Manage Tax Time

It’s that time of year again—time to check your inboxes and mailboxes for tax-related documents. Below is an overview of the tax-related documents you may receive for 2018 and any required action.

2018 Form W-2

If you completed your online ADP registration before January 1, 2019:

  1. Go to my.adp.com and click the Log In button.
  2. Enter your User ID (e.g., ASmith@KimClark) and your password.
  3. Under Tax Statements, select 2018 as the Tax Year and then click Download Statement.

If you didn’t complete your online ADP registration before January 1, 2019:

  • Your W-2 was mailed to your home in late January.
  • If you need another copy, complete and submit the @myHR request form or follow the registration instructions to access your Form W-2 online. Both the request form and registration instructions are available on @myHR > Total Rewards > Compensation > Tax Information.

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Other Tax Forms

Form Mail Date What, Why & Help
Form 1099-SA Mailed in late January

What: Funds withdrawn from an HSA in 2018.
Why: You’ll use the information on this form to complete your tax return.
Help: Call 888-486-2448 if you need another copy.

Form 1095 Mailed in late January

What: Months of the year that you and your eligible dependents were offered or enrolled in K-C medical coverage.
Why: You don’t have to include it with your tax return as it is for your information only.
Help: Call 800-551-2333 (choose the Health & Welfare option) if you need another copy.

Form 5498-SA Will mail after the tax filing deadline

What: This form includes information about all HSA contributions made for 2018.
Why: You don’t have to include it with your tax return as it is for your information only.
Help: Call 888-486-2448 after May 31 if you need another copy.

Need more help?

For personal tax filing questions, visit irs.gov or consult with your individual income tax preparer.



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.