Annual Benefits Enrollment




Learn what’s new for 2020

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)

  • Primary care copay office visit: from $35 to $25
  • Specialist copay office visit: from $70 to $45
  • Convenience care (in retail setting) copay: from $35 to $25
  • Urgent care: from $75 to $45

Deductible decreases (in-network)

  • You only: from $2,000 to $1,000
  • You + spouse or domestic partner: from $3,200 to $1,600
  • You + children: from $2,700 to $1,350
  • You + family: from $3,800 to $1,900

Out-of-pocket maximum decreases (in-network)

  • You only: from $5,000 to $3,500
  • You + spouse or domestic partner: from $8,400 to $5,600
  • You + children: from $7,200 to $4,550
  • You + family: from $9,600 to $6,650

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

Copay decreases

  • Primary care office visit copay: from $35 to $25
  • Specialist office visit copay: from $70 to $45
  • Convenience care (in retail setting) copay: from $35 to $25
  • Urgent care: from $75 to $45

Deductible decreases

  • You only: from $750 to $500
  • You + spouse or domestic partner: from $1,100 to $800
  • You + children: from $950 to $700
  • You + family: from $1,400 to $1,000

* 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:

Visit www.express-scripts.com/wf

  • 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.

Compensation category Contribution for:
  • You only
  • You + children
Contribution for:
  • You + spouse or domestic partner
  • You + spouse or domestic partner + children
Less than $40,000 $500 $1,000
$40,000 – $100,000 $250 $500
Over $100,000 $0 $0

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
  • Medications
  • An ongoing undiagnosed issue
  • A possible surgery or procedure
  • A chronic condition
  • Hospitalizations

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

Back to top

Get to know my enrollment options

Review the comprehensive benefits available to you for 2020 during Annual Benefits Enrollment. Look at the personalized My Benefits Options & Rates, which you can find after signing on to Your Benefits. Then talk to ALEX, your virtual benefits counselor, who can help you compare the coverage options available to you.

When you’ve reviewed the available plans, select the location where you live from the drop-down menu below and click Show Me My Options. You’ll find:

  • Summaries of Benefits & Coverage (SBCs) for medical plans available to you
  • Plans at a Glance for medical, dental, and vision plans
  • Rates you’ll pay for coverage
  • Claims administrators for your location
  • The locations of doctors, hospitals, and health care facilities near you

Back to top

Learn how to enroll and make changes

Make your elections for 2020 benefits anytime from Monday, October 28 at 8:00 a.m. Central Time to Friday, November 22 at 11:59 p.m. Central Time. Sign on to the Your Benefits tool, make your choices, and then review the Benefits Confirmation Statement you receive each time you make an election — it’s that easy.

You can make changes to your 2020 benefits elections at any time from Monday, October 28 at 8:00 a.m. Central Time to Friday, November 22 at 11:59 p.m. Central Time.

Back to top

Find answers

For general benefits questions:

  • Annual Benefits Enrollment Call Center line
  • 1-877-HRWELLS
  • (1-877-479-3557), option 7, 3
  • TDD/TTY: 1-800-988-0161
  • Monday through Friday
  • 7:00 a.m. to 7:00 p.m. Central Time

For technical assistance:

1-877-590-9000

Back to top

*The information provided through the 2nd.MD service does not constitute medical advice and does not diagnose, treat, or prescribe treatment of medical conditions.

A Health Savings Account (HSA) is an individually owned account. It's not part of any employee benefit plan sponsored or maintained by Wells Fargo & Company or any of its subsidiaries or affiliates, and it's not subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA).

Health and wellness activities are completely voluntary. These activities are not a substitute for or intended to provide medical care or treatment and do not constitute individual medical advice or care. You should discuss specific questions about your individual health care with your personal health care provider. The information presented on this site does not provide the official plan provisions of the employee benefit plans sponsored by Wells Fargo & Company. If there is any discrepancy between the information presented on this site and the official plan documents, the official plan documents will govern.