Some benefits plans will feature changes in 2020.
Medical plan deductibles, coinsurance, and copays
Many plans will retain the same deductible and out-of-pocket maximum levels as 2019, but some of these amounts will change for certain plans. See the table below for a summary of changes.
|Plan||Changes for 2020|
|Copay Plan with Health Reimbursement Account (HRA)||
Copay decreases (in-network)
Deductible decreases (in-network)
Out-of-pocket maximum decreases (in-network)
Higher Use Plan with Health Savings Account (HSA)
Narrow Network Plan with HSA
High-Deductible Health Plan (HDHP) – Kaiser
|Increase in minimum deductible (required by IRS): The minimum deductible for the You + children category is increasing from $2,700 to $2,800.|
|Narrow Network Copay Plan||
* Kaiser plans have other similar changes in plan designs.
Wells Fargo is participating in the Patient Assurance Program administered by Express Scripts. If you participate in certain plans and fill a prescription for a participating insulin product on the preferred formulary, your copay will be:
- $25 for a 30-day supply
- $75 for a 90-day supply (available only at CVS or through home delivery)
You must use a network pharmacy or mail-order delivery to receive the discount. To see if your insulin products are on the Patient Assurance Program list:
- Select your plan from the drop-down menu
- Select your coverage type from the drop-down menu
- Click Patient Assurance Program Insulin List
- Click Price a Medication
- Search for the name of your insulin medication
If the copay displayed is $25 for a 30-day supply or $75 for a 90-day supply from CVS or mail-order delivery, the drug is covered by the Patient Assurance Program.
New HSA contribution
Eligible team members enrolled in the HDHPs (Lower Use Plan with HSA, Higher Use Plan with HSA, Narrow Network Plan with HSA, and HDHP — Kaiser) may receive an HSA contribution based on their eligible compensation category and level of coverage.
|Less than $40,000||$500||$1,000|
|$40,000 – $100,000||$250||$500|
Second Medical Opinions program
Team members enrolled in certain plans can use the Second Medical Opinions program through 2nd.MD.* This program allows team members to ask questions of medical experts and receive answers through a video or phone consultation, usually within three to five days, at no cost.
You can discuss:
- Your diagnosis or treatment plan
- An ongoing undiagnosed issue
- A possible surgery or procedure
- A chronic condition
New health and wellness activities
Find new health and wellness activities in 2020 that you can complete to earn health and wellness dollars if you’re enrolled in an eligible plan. New activities include:
- Watching a video and taking a short quiz about the new Second Medical Opinions program
- Participating in Livongo for diabetes management
- Enrolling in Quit for Life for tobacco use cessation
Legal Services Plan enhancements
The Legal Services Plan has some enhanced features with no premium increase in 2020, including:
- Additional coverage for restraining order services
- Broader coverage for bankruptcy, document preparation, and school administrative hearing services
- Updated coverage descriptions for many services
New programs for working parents
Two new programs will offer enhanced options for team members with children:
- The Backup Childcare program is expanding to include at home back-up care through Bright Horizons
- The MilkShip program through LifeCare allows nursing mothers to ship their breast milk home while traveling for business