Annual Enrollment for 2025 RRD benefits is Wednesday, October 30 – Wednesday, November 13, 2024.

Your enrollment materials are online at myRRDbenefits.com You can also learn about your benefits by attending Benefits Bootcamp starting the week of October 7. Benefits Bootcamp is a series of 30-minute live webinars presented by our benefits vendors. All sessions are virtual, so you and your family members can attend and get answers to your questions.

Use Emma, your virtual assistant on the enrollment website to view your costs, compare your options, and help you choose the medical option that is right for you and your situation. Emma will guide you through the enrollment process by asking you a few simple questions, and then she’ll suggest options based on your responses and individual needs.

You can view your premiums on the enrollment website at rrd.bswift.com (accessible from myRRDbenefits.com).

Your current tobacco status will carry over. If it has changed, be sure to update it on the enrollment website.

A dependent audit is coming in early 2025, so now is a good time to review your enrolled dependents and confirm they are eligible under the plan rules. Checking now will save you time and help prevent any problems later on if you are found to have enrolled an ineligible dependent.

Go to myRRDbenefits.com to access the link to the enrollment website. Instructions on how to log in are listed on the enrollment site home page. You can also use the bswift app to enroll; just download the app from the App Store or Google Play to get started.

Yes. If you don’t have online access, you can enroll by phone starting October 30 at 1-877-RRD-4BEN (1-877-773-4236), Monday – Friday, 7 a.m. – 7 p.m. CT. Phone enrollment ends on November 13 at
6:59 p.m. CT.

Yes, but when you log in to the enrollment website, you’ll be asked if you want the computer to remember you. When prompted, select “No. This is a public computer or one I don’t plan on using often to access my account.” Answer the security questions when prompted only if you haven’t already done so. If you need help, call the RRD Benefits Center at 1-877-RRD-4BEN (1-877-773-4236).

If you need to make changes or corrections after reviewing your confirmation statement, call the RRD Benefits Center at 1-877-RRD-4BEN (1-877-773-4236). No changes can be made after December 31, 2024.

This year, several Medical Program options are being eliminated: Copay Value, BCBSIL Blue Advantage HMO, Kaiser HSA Atlanta Area, Kaiser HSA Colorado, and BCBS McKay Medical Program. If you are enrolled in one of these options, you need to elect a new medical option for 2025. If you don’t make an election, you will default to the new medical option, BCBS Coupe PPO, at your current coverage level (i.e., Employee Only, Employee + Spouse, Employee + Child(ren), or Family).

If you want to begin or continue participating in a Flexible Spending Account (FSA), in 2025, you must enroll. Your current elections will not carry over.

All other elections will carry over. If you currently waive coverage, your coverage will continue to be waived. You cannot make changes to your benefits during 2025 unless you have a Qualifying Status Change event. You cannot drop benefits just because you don’t want them any longer.

A Qualified Status Change event is an event such as marriage, legal separation or divorce, birth or adoption of a child, change in dependent eligibility status, etc., that may allow you to change your benefit elections during the year. For a full explanation, refer to the Group Benefits Plan Administration Information Booklet.

You have several Medical Program options, including three National Medical Program options from BCBSIL and a new option, BCBS Coupe PPO, which is also offered nationally. Depending on where you live, you might be eligible for a regional medical option.(If you’re eligible for any of the regional medical options, they’ll be listed when you log in to the enrollment website.)

Here are the three main ways BCBS Coupe PPO is different than other health plans:

1. All your health care purchases have a fixed price like a copay for your out-of-pocket costs. Copays are lower for higher-quality physicians and facilities because those providers take better care of you and reduce health care costs for you and your health plan over time.
2. Health care financing is built into BCBS Coupe PPO for all covered medical services, up to the annual out-of-pocket maximum. If you sign the financial onboarding form, you’ll pay $0 at the time of your service as indicated on your insurance ID card. This allows you and your health care providers to focus on providing you the care you need while the health plan works to simplify the payment process later.
3. If you signed the financial onboarding form, you’ll be billed for your out-of-pocket costs on a single monthly statement. You’re offered affordable, zero-interest payment plans for your medical bills (with no credit check), and BCBS Coupe PPO has an automatic payment protection program to help you make sure your minimum monthly payment is paid on time. (Financing is not available for pharmacy bills.)

BCBS Coupe PPO makes shopping for and using health care straightforward.

• When you need care, use the BCBS Coupe PPO member portal to find the best provider based on cost and quality rankings.
• Go to the provider to receive care. Present your BCBS Coupe PPO ID care and pay nothing at the time of service (if you signed the financial onboarding form).
• If you signed the financial onboarding form, you’ll receive one monthly statement for all your medical expenses. You can pay how you prefer with zero interest.

For full details about how BCBS Coupe PPO works, refer to the BCBS Coupe PPO Guide on myRRDbenefits.com.

You pay the lower of the bill or the copay. 

If you elect BCBS Coupe PPO, your coverage will include access to:

• Goodpath whole-person care for chronic conditions
• Hinge Health for joint and muscle pain
• Twin Health for prediabetes and type 2 diabetes
• Hypertension Management by Teladoc Health
• Transform Diabetes Care
• Twin Healthy Weight
• Wondr Health for weight loss

The Coupe Health Pro Team will be available during Annual Enrollment to answer your questions. The team can be reached at 1-800-882-5158 Monday through Friday, 8 a.m. – 8 p.m. CT or healthvalet@coupehealth.com.

RRD’s vision care provider network will change to the EyeMed Insight network and will include Eye360, an enhanced benefit package for members who visit a select group of EyeMed’s in-network providers called PLUS providers. Eye360 benefits include $0 eye exams and additional allowances for frames and contact lenses when you see PLUS providers. The Vision Program also will include 40% off additional pairs of glasses, discounts on LASIK surgery, and more.

Go to eyemed.com to see which providers participate in the Insight network, and look for the “PLUS Provider” symbol to see which of those providers make you eligible for the extra Eye360 benefits.

Goodpath is a new program available at no cost to you as part of your RRD non-HMO medical options. Goodpath provides whole-person care by combining traditional medical treatments with complementary therapies (such as physical activity, nutrition and behavioral health support) to help you manage certain chronic health conditions (such as digestive issues, musculoskeletal pain, insomnia, long COVID, cancer survivorship, and mental health issues).

After completing a health questionnaire and using a simple digital platform, you’ll get a care plan that’s tailored to your unique needs and goals. To support you in your care journey, Goodpath also provides you with a health coach and medical items and devices.

In fall of 2024, RRD introduced Twin Health’s Healthy Weight program for weight loss. Depending on your Body Mass Index (BMI) and other clinical health factors (which may include lab test results), you and your family members 18 years and older who are enrolled in a National Medical Program option (including BCBS Coupe in 2025) may be eligible to participate.

As part of the program, a Twin Health coach meets with you and then ships you a welcome kit containing smart devices and wearable sensors to gather real-time data and track your progress. Using health records and data from the sensors, Twin Health develops a Whole Body Digital Twin of your metabolism, along with a dynamic plan based on your needs and preferences. You’ll have access to the online Twin Platform and mobile app. (Participation requires access to a mobile device.) You’ll reach your goals with the help of daily and then quarterly check-ins; education; and real-time, in-app insights on how nutrition, activity, sleep and stress affect your metabolism.

You and your family members who are enrolled in a National Medical Program option (or BCBS Coupe PPO in 2025) and who have or are at risk of developing diabetes are eligible to participate in Twin Health or the Transform Diabetes Care program from CVS Health. You may participate in only one of the programs — not both.

Both programs can help make living with diabetes easier. But, if you’re eligible, you may participate in only one of the two programs, so it’s a good idea to learn about both so you can choose the one that most closely meets your health needs and goals. 

If you’re ready to reverse prediabetes or type 2 diabetes, consider participating in Twin Health. Twin Health uses sensors and other technology to build your digital replica, and then delivers precise, individualized guidance on nutrition, activity, sleep and breath techniques to heal your underlying cause of prediabetes of type 2 diabetes. Over time and under the supervision of your health care provider, you might be able to safely reduce or eliminate medication.

For help to control your type 1 or type 2 diabetes and stay on track with your prescribed treatment plan, Transform Diabetes Care might be the right choice for you. You get:

• Personalized support to help prevent diabetes-related complications,
• Help to manage your medication and to monitor and control your blood glucose,
• Access to personalized coaching with Certified Diabetes Educators, and more.

Go to myRRDbenefits.com to learn more about these programs.

If you have diabetes and hypertension, support for both your conditions is provided through Transform Diabetes Care as part of your National Medical Program options and BCBS Coupe PPO. Eligible members will receive information from the CVS Transform Diabetes Care Program.

Hypertension Management by Teladoc Health can make life easier for you or a covered family member with high blood pressure. It’s offered at no cost to you and your dependents enrolled in an RRD National Medical Program option or BCBS Coupe PPO.

Yes, GLP-1 drugs will continue to be covered by the National Medical Program options (and BCBS Coupe PPO in 2025) when prescribed to treat diabetes.

No, GLP-1 drugs will no longer be covered when prescribed to treat obesity. (Please check with your HMO to confirm GLP-1 coverage for 2025.) If you’re currently using these drugs to treat obesity only, talk to your doctor about alternative treatments or lifestyle changes that might work for you. You can also take advantage of Twin Health Healthy Weight or Wondr Health, two weight-loss programs available as part of the National Medical Program options and BCBS Coupe PPO. Learn more about these programs at myRRDbenefits.com.

As part of your medical coverage through BCBSIL (and BCBS Coupe PPO in 2025), you have access to Hinge Health, an innovative digital program designed to help reduce chronic back, hip, neck or knee pain. With the program app installed on your provided tablet, you’ll use wearable sensors for personalized exercise therapy that is shown to reduce chronic pain. The program also includes unlimited one-on-one coaching. Call 1-855-902-2777 to learn more and get started.

Goodpath, also available to you and your dependents enrolled in a National Medical Program (or BCBS Coupe PPO in 2025), is another good option for help to manage back pain and other musculoskeletal issues.

Health Advocacy Solutions is a FREE service from BCBSIL for members enrolled in a National Medical Program option. This service can help you and your covered family members with all your health care matters. A health advocate is available 24/7 to help you understand and use your benefits; find high-quality, cost-effective providers; schedule appointments; find answers to your health care questions; deal with claims; and more. Learn more at myRRDbenefits.com or call 1-800-537-9765. (Health Advocacy Solutions is not available with BCBS Coupe PPO. BCBS Coupe PPO members have access to a Health Valet.)

Visit bcbsil.com/rrd or call BCBSIL at 1-800-537-9765. Remember, using in-network providers saves you money. If you enroll in BCBS Coupe PPO, a Coupe Health Valet can help you find providers.

Depending on where you live, you might be eligible to enroll in a regional medical option (Dean Health Plan or Kaiser Permanente options). If a regional medical option is available to you, it will be listed on the enrollment website when you log in. You can find details about these options in the 2025 Regional Medical Options Enrollment Guide on myRRDbenefits.com.

You may be able to save money on prescription drugs with Rx Savings Solutions, a free, online tool available to you and your dependents enrolled in an RRD National Medical Program option or BCBS Coupe PPO. Rx Savings Solutions looks at the medications you take and, if possible, finds lower-cost options to treat the same conditions. Go online or download the Rx Savings Solutions mobile app to access your free account. To learn more, go to myrxss.com or call 1-800-268-4476.

PrudentRx is a FREE program that reduces your cost to $0 for covered specialty medications filled at CVS Specialty Pharmacy. PrudentRx is available to everyone enrolled in an RRD National Medical Program option or BCBS Coupe PPO. (If you enroll in an HSA National Medical Program option, you still must meet your deductible before PrudentRx benefits begin.) PrudentRx currently targets specialty medications in these therapy classes: hepatitis C, autoimmune, oncology and multiple sclerosis.

You’ll be automatically enrolled in PrudentRx, but you may opt out by calling 1-800-578-4403. If you opt out, you’ll pay 30% coinsurance for any specialty medications you take that are eligible for the program. If you’re required to pay this 30% coinsurance, it’s considered a “non-essential health benefit,” and you’ll be required to continue paying this amount even if you’ve otherwise met your Plan’s out-of-pocket maximum.

It’s a good idea to check your beneficiaries every year.

• Check life insurance and supplemental health care beneficiaries on bswift.com.
• Check your RRD 401(k) Savings Plan beneficiaries at the Fidelity website at NetBenefits.com.
• Check your HSA beneficiaries at HealthEquity.com.

The Member Rewards program from BCBSIL (available if you are enrolled in a National Medical Program option; not available with BCBS Coupe PPO) pays you to be a smart health care shopper. You can earn a cash reward when you compare costs and choose a cost-effective option for your care. Here’s how it works:

• When a doctor suggests a medical procedure or service, log in to Blue Access for Members at bcbsil.com.
• Click the “Find Care” tab, then click “Find a Doctor or Hospital,” and then “Member Rewards.” Search to compare your choices and select a reward-eligible location.
• Have the procedure or service at your selected reward-eligible location. Once it’s verified, you’ll receive a check in the mail from Zelis, the Member Rewards program administrator.

Call a health advocate at 1-800-537-9765 for more information and for help to find reward-eligible locations.

Paytient is an easy way to pay for out-of-pocket health care expenses, and it’s available to all benefits-eligible employees. Paytient is a fee-free and interest-free health care payment card with a $1,200 rolling limit that you can use to pay medical, pharmacy, mental health, dental, vision and even pet care costs. Paytient pays your provider, and you pay back money you borrow through payroll deduction or your HSA, FSA or bank account. (Note you cannot use your HSA without incurring a penalty or your FSA to pay back money you borrow for veterinary expenses.)

An HSA is a tax-free account you can use to help pay for eligible health care expenses now and in the future if you’re enrolled in HSA Value, HSA Advantage or a Kaiser HSA medical option. The advantages of an HSA are hard to beat:

• You get triple tax advantages. You can contribute before-tax money to your account, your account can grow by earning tax-free interest, and you pay no taxes when you use the money for eligible expenses.
• You can use it now or save for later. You can use the money in your account to pay for current or future eligible health care costs.
• You can invest it. If you choose to let your account grow, you can invest the money in a choice of investment options.
• You can roll it over. Your unused account balance rolls over from year to year.
• You keep the money. The money in your account is always yours, even if you change medical options, change jobs or retire.

The IRS contribution limits for 2025 are:

• $4,300 for Employee Only coverage
• $8,550 for other coverage tiers
• $1,000 catch-up contribution if you are or will be age 55 or older in 2025 and not enrolled in Medicare

To contribute up to the new 2025 maximums or make any contribution changes, you must elect the new amount. You may change your HSA contribution at any time during the year. Current contribution amounts will carry over.

You may contribute $200 – $3,200 to a Health Care or Limited-Use Health Care FSA, and $200 – $5,000 to a Dependent Day Care FSA. Remember, if you want to participate in an FSA in 2025, you must enroll during Annual Enrollment. Current contribution elections will not carry over.

An HSA and Health Care/Limited-Purpose FSA are accounts that allow you to set aside pre-tax funds from your pay to use for eligible health care expenses, but there are some important differences:

• HSA funds accumulate over time and carry over year to year. FSA funds, on the other hand, must be used during the plan year they are contributed; any unused FSA funds are forfeited.
• You can change your HSA contributions at any time during the year, while FSA elections must be made during Annual Enrollment and cannot be changed during the year unless you have a Qualified Status Change event.
• You can use HSA funds as contributions are made, whereas the full amount you elect to contribute to a Health Care or Limited-Use Health Care FSA is immediately available.
• The IRS contribution limits for an HSA are based on your coverage tier: $4,300 for Employee Only and $8,550 for other coverage levels. The IRS contribution limit for Health Care and Limited-Use Health Care FSAs is $3,200.

With the Full-Use Health Care FSA, you can be reimbursed tax-free for qualifying medical, prescription drug, dental and vision expenses at any time throughout the year. With the Limited-Use Health Care FSA, you can also receive reimbursement for qualifying dental and vision expenses at any time throughout the year, but you are only eligible for reimbursement of qualifying medical and prescription drug expenses after you’ve met a legally required minimum portion of your Medical Program deductible in 2025 ($1,650 for Employee Only coverage and $3,300 for Employee + Spouse, Employee + Child(ren), and Family). You can’t be reimbursed by both an FSA and an HSA for the same expense.

You can use the Limited-Use Health Care FSA if you enroll in HSA Value, HSA Advantage or a Kaiser HSA medical option. (The IRS prohibits contributions to both a full-use Health Care FSA and an HSA). BEFORE you meet your Medical and Prescription Drug deductible, you can use your Limited-Use Health Care FSA to pay for eligible dental and vision expenses only. AFTER you meet your Medical and Prescription Drug deductible, you can use it to pay for eligible dental and vision expenses AND eligible medical and prescription drug expenses.

Check out Ways to Save and Pay for Care on myRRDbenefits.com for more information.

You and your immediate family members have free and confidential access to SupportLinc, our Employee Assistance Program (EAP) for professional counseling services, referrals to expert resources for legal and financial assistance, as well as support for issues such as dependent care, auto repair, home improvement and more. Learn more and access these resources at myRRDbenefits.com.

You may elect MetLife Legal Plans only during Annual Enrollment. Your coverage will be in effect January 1 – December 31 of the following year. If you’re already enrolled, your election will carry over.

Yes, you may enroll in the following voluntary benefits at any time during the year:

• Allstate Identity Protection
• Commuter Benefits
• Auto & Home Insurance
• Pet Insurance
• Long Term Care Insurance

You can find information about voluntary benefits on myRRDbenefits.com. Voluntary benefits are entirely optional and not sponsored by RRD. You may pay for them through payroll deductions on an after-tax basis.

BenefitHub is an online marketplace for discounts, voluntary benefits and rewards. You can visit BenefitHub for:

• Easy access to certain RRD voluntary benefits (e.g., Auto & Home, MetLife Pet insurance and Purchasing Power)
• Deals on things to do, see, eat and buy in your local area
• Discounts and rewards on travel, hotels, restaurants, car rentals, electronics, apparel, tickets and more
• Cash back on purchases from thousands of brands
• RRD-exclusive discounts

You can sign up for a free account at rrd.benefithub.com/Welcome.