Kroger Cares

Open Enrollment is
November 4 – November 22, 2019

2020
Open Enrollment Video
 Kroger Cares
Everyone Friendly & Caring – We show each other how much we truly care.
We’re introducing a new way to save for your children’s education with a
529 plan.
Everything Fresh – We emphasize quality. We’re adding more Tier 1 facilities
to our Centers of Excellence so it’s easier to get the best care at the best
price.
Uplift Every Way – We create experiences that surprise and delight. We’ve
streamlined the enrollment process for 2020.
Improve Every Day – We try new things to meet the changing needs of our
people. We’re offering the ability to text with a therapist to give you new
ways to help you and your family.
Total Rewards Package
 What’s New for 2020!
A New Enrollment Process
No, if you:
Do I • Want the same benefits,
same coverage levels and to
Need to cover the same family
Enroll for members.
2020? • You do not want a Flexible
Spending Account (Health
Care and/or Dependent Care).
• You do not want to buy
additional vacation time (if
eligible).
All Roundy’s associates must enroll for 2020 benefits.
Yes, if you:
• Want different benefits, different
coverage levels, or to add or remove
a family member.
• Want a Flexible Spending Account
(Health Care/Dependent Care).
• Want to purchase vacation days (if
eligible).
• Need to update your working
spouse/domestic partner status for
medical coverage.
• Need to update tobacco status for you
or your spouse/domestic partner.
What’s New for 2020!
Expanding Centers of Excellence
• Expanding Tier 1 facilities for hip, spine and knee
surgeries
• Second opinion required for spine surgery

Best Care. Right Cost.

What’s New for 2020!

Increased Deductible
PPO with
$1,000 Individual
Incentive Account
$2,000 Family

Increased
HSA 2 Plan Out-of-Pocket Max
$4,500 Individual
$9,000 Family
What’s New for 2020!

Text Message a Therapist

• Offers flexibility
• Completely confidential
• Six weeks of texting
• Offered through Talkspace and Well Being
Assistant

Flexible. Confidential.
What’s New for 2020!

New categories of
Target Pricing prescription drugs
added, plus other
services

Save for your

529 Plan child’s college
education
Health
 Medical and Prescription Plans:
Which Plan is Right for You
PPO Incentive HSA Plan 1 HSA Plan 2 HSA Plan 3
Incentive
Type of Only Covers In- Health Savings Health Savings Health Savings
Account Network Care Account (HSA) Account (HSA) Account (HSA)

$1,000 associate $1,500 associate $2,500 associate $5,000 associate

Deductible $2,000 family $3,000 family $5,000 family $10,000 family

Annual
$4,000 associate $4,000 associate $4,500 associate $5,000 associate
Out-of-Pocket $8,000 family $8,000 family $9,000 family $10,000 family
Maximum
Not subject to
Prescription the deductible
Deductible applies Deductible applies Deductible applies

Premium Highest plan Highest HSA option Middle HSA option Lowest HSA option

HMOs are available in certain locations

 Medical and Prescription Plans:
Which Plan is Right for You
PPO Incentive HSA Plan 1 HSA Plan 2 HSA Plan 3
Kroger: Kroger: Kroger: Kroger:
- $100 associate - Up to $500 associate - Up to $850 associate - Up to $1,000 associate
Funded By - $200 spouse - Up to $1,000 family - Up to $1,700 family - Up to $2,000 family
Preventive Care Match and Preventive Match and Preventive Match and Preventive
Wellness Incentive Care Incentive Care Incentive Care Incentive
Rolls over
year to year Rolls over Rolls over Rolls over
Money
(up to the in-network year to year year to year year to year
deductible amount)

When End
Lose it Goes with you Goes with you Goes with you
Coverage
Triple-tax savings Triple-tax savings Triple-tax savings
Other
Investment option Investment option Investment option
Benefits Always yours Always yours Always yours
Cashing in on Health Incentives

MyLifeatKroger.com
 It’s Up to You! – Make the Most of
Your Medical Plan

• Target Price Program

• The Little Clinic

• Best Doctors

• Anthem’s LiveHealth Online

• Well-Being Assistant

• Solera

• Engage
MyLifeatKroger.com
Engage
Your personal health assistant
Get health information 24/7
With Engage, you can:
• See medical, dental, vision and
pharmacy benefits
• Access your Anthem ID card
• View account balances
• See what’s covered by the plan
• View what you’ve spent this year
• Get health care cost estimates
 Dental
Anthem Dental Complete Anthem Dental Complete
Plan 1 Plan 2
Preventive
100% 100%
Care

Basic Care 80% 70%

Major Care 60% 50%

Orthodontia
Yes No
Coverage
Annual
$2,000/person $1,000/person
Maximum
Orthodontia
$1,500/person Not Covered
Maximum
 Vision

Frequency In-Network Copay

Routine
12 months $10
Exam

Lenses 12 months $15 lenses and/or frames

Frames 24 months $15 lenses and/or frames

Contact
12 months $15 (medically necessary)
Lenses
 Flexible Spending Accounts (FSA)
Health Care FSA Dependent Care FSA
Pre-tax Yes Yes

Eligible Medical, prescription, Day care for your child or

Expenses dental, and vision other dependent

Associate Up to $5,000 annually per

Up to $2,650 annually
Contribution household

Plan
Use it by March 15, 2021 Use it by December 31, 2020
Carefully

Submit reimbursements Submit reimbursements

Deadline by April 30, 2021 by April 30, 2021
Work/Life
 Family Benefits

Up to $6,000 for
Adoption adoption related
Resources expenses

New ! 2 paid weeks for care of

Family family, including the birth
or adoption of a child or
Caregiver Leave care of a loved one.
Enjoy Your Perks!

• Kroger.Perkspot.com
• FEED.kroger.com
• KrogerFamilyShop.com
• SoFi offers you:
– Student Loan Refinancing
– Coming in 2020: 529 Plan let’s you save
for a child’s college education
– Auto/Homeowner’s Insurance Discounts
Additional Insurance and Disability

• Life Insurance:
– One-time benefit

– Paid to beneficiary

• Disability:
– If you can’t work

– Continue portion
of income

– Paid to you

• Group Legal Insurance

Additional Insurance and Disability
• Voluntary life insurance:
– For yourself: Up to 10x your base pay
• Voluntary dependent life insurance:
– Spouse/partner: $10,000, $25,000, $50,000, $75,000 or $100,000
– Children: $5,000 or $10,000 each
• Personal accident insurance:
– For yourself: $25,000 increments, up to 10x your base pay
– For family: Amount equal to portion of your coverage
• Long-term disability:
– 65% of your base pay, or
– 50% of your base pay
Well-Being Assistant

• 100% paid • Up to 6 face-to-face visits

• Confidential • Unlimited phone calls
• Available 24/7 • And more!
• Contact 1-800-547-1442

New option! Talkspace

offers text therapy
Money
Retirement Savings

• 401(k) Retirement Savings Account (RSA):

– Save for future — save on taxes now

– Check your 401(k) balance and contribution

– Kroger matches $1 for $1 on 5% of your pay

– Automatic Contributions

• The Kroger Stock Exchange:

– Payroll deductions

– As little as $3 per pay

– New online enrollment process coming in December 2019

New 401(k) Eligibility Rules
New eligibility starting January 1
Join the plan the first day of the month after 30 days of
service.

Join the Plan March 1

Example

Kroger Start Date Reach 30 Days of Service

Jan. 15 Feb 15
Roth 401(k)
• Post-tax Roth 401(k) contributions to your Kroger 401(k) plan
– For associates in both the RSA and Savings Plan

• Tax-free qualified distributions after 5 years

• You’re under age 50
Consider Roth • You’re over 50, but you expect your tax rate in
401(k) if … retirement to remain the same or to drop by a moderate
amount

• You’re 50 or over, and

Consider
pre-tax if … • You expect your tax rate to be considerably lower in
retirement
Roth vs. Pre-Tax
What’s the Difference?
Roth
contributions Account grows Pay no taxes for a qualified
are after tax tax free withdrawal after 5 years

Pre-tax
contributions Account grows You pay taxes
are before tax free on all withdrawals
tax
 Maximize Your Savings

First: Maximize the Then: Keep saving –

company match up to annual limit:
• $19,000 for 2019
• Extra $6,000 if over 50
Save 5% of pay
• Limits are combined
pre-tax and Roth
contributions

Don’t stop saving at 5% of pay

Financial Well-Being
Our educational series to help you manage your financial future

• Monthly e-newsletter published in Scoop

• Offers tips on:
– Creating a budget

– Saving for a rainy day

– Learning the basics of investing your money

– Managing debt

– Setting financial goals

– Planning for your retirement

Join the Financial Well-Being
Yodel Group
– And much more!

• Learn More: Financial Well-Being page on www.MyLifeatKroger.com

4 Things You Can Do

1 Look at Your Costs, Review and Enroll

2 Check Out Your Total Rewards Statement

3 Take Advantage of the Resources Available

4 Don’t Forget to Schedule a Checkup

Need Help?
Kroger Benefits Service Center (KBSC)
1-877-373-3397
krogerbenefits@kroger.com

1-800-258-0503

Extended hours during Open Enrollment

Monday - Friday, 8 a.m. to 9 p.m. ET
Saturday and Sunday, 10 a.m. to 8 p.m. ET
Enroll November 4 to November 22