Overview

Robert Half’s benefits are designed to support your physical, mental and financial well-being. You’ve told us you want variety and flexibility in our offerings, and you need us to continue to manage costs wherever we can. We hear you. We remain committed to continuously improving our benefits to serve our diverse employee population.

Robert Half offers a variety of competitively designed medical plan options and provider networks through the Mercer Marketplace 365. You can choose the plan design and network combination that makes the most sense for you and your family.

Anthem Plans Cigna Plans Kaiser Plans

The medical plan information on this site provides an overview only — refer to your benefits guide for more detailed information: Staff and Protiviti Benefits Guide, Hawaii Temporary Professionals Benefits Guide, or Salaried Professional Services Benefits Guide.

iconEnrollment Tip

When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance). Use the Mercer Marketplace 365 medical plan comparison tool to help you make the right choice for you and your family. You can compare your health plan choices in addition to estimating your cost for each plan. The cost comparisons will factor in the deductible amount, expected services and contribution amounts. You can also call Health Advocate at 1.866.695.8622 to get personalized help making benefit choice decisions.

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Do you live in Hawaii?

Robert Half offers two medical plans to eligible temporary professionals in Hawaii. Go to Kaiser Hawaii Gold Be Fit or HMSA CompMed review these medical plan details. Both medical plans meet the requirements of the Hawaii Prepaid Health Act. You may also choose to waive coverage, but you must follow certain steps. How do I waive coverage?

 

Live in Hawaii and Waiving Medical Coverage?

If you want to waive medical coverage, either as a newly eligible employee or during Open Enrollment, you must:

If you don’t complete all the waiver steps above, you’ll be automatically enrolled in employee-only coverage under the Kaiser Hawaii Gold Be Fit Plan effective January 1, 2020.

In addition, you can consider coverage available through the federal health insurance marketplace which offers different levels of medical plan options, each with different levels of contributions.

For more information, go to the federal health insurance marketplace or call 1.800.318.2596.

Choosing Your Medical Plan Carrier

For each of the medical plan options, you can choose one of the following three carriers:

  Anthem Cigna Kaiser Permanente
Coverage locations? All locations except Hawaii All locations except Hawaii Select locations by ZIP code: California, Colorado, Georgia, Hawaii, northern Idaho, Oregon, Washington and the mid-Atlantic region (Maryland, Virginia and Washington D.C.)
Use any provider? Yes, in- or out-of-network benefits Yes, in- or out-of-network benefits Kaiser providers only (no out-of-network benefits)
Prescription drug coverage? Yes, through Express Scripts Yes, through Express Scripts Yes, through Kaiser
Help managing chronic conditions? Yes, through Anthem Total Health Total You Yes, through Cigna Health Matters Complete Yes, through Kaiser — see your ID card for the correct phone number
Need to locate an in-network provider? Visit Anthem. Visit Cigna. Visit Kaiser.
iconEnrollment Tip

If you choose one of the medical plan options that is compatible with a Health Savings Account (HSA), you can contribute to your HSA on a pre-tax basis to help pay for out-of-pocket expenses, including the annual deductible.

$400 and $900 Deductible Plans

Available to Robert Half and Protiviti employees and those in the Salaried Professional Services program (excluding temporary employees in Hawaii) — refer to your benefits guide for the plans available to you.

The $400 Deductible Plan and $900 Deductible Plan include the following features:

  • Free in-network preventive medical care. Preventive care is covered fully with no deductible and no copay or coinsurance, as long as you receive this care from in-network providers.
  • Annual deductible. You pay for your initial costs out of pocket (for most services) until you meet your annual deductible:
    • $400 Deductible Plan: The annual deductible doesn’t apply to office visits and prescription drugs. Instead, you pay a flat-dollar copay, and the plan covers the rest of the eligible expense. The annual deductible applies to all other services, including hospitalization and the emergency room.
    • $900 Deductible Plan: The annual deductible applies to services including office visits, hospitalization and emergency room services. The annual deductible doesn’t apply to prescription drugs.

    Note: If more than one family member is covered, the plans begin to pay benefits for an individual family member when he or she reaches the individual deductible amount or when the combined expenses of all family members reach the family deductible amount, whichever happens first.

  • Coinsurance. Once the deductible is met, you and the plan will each pay a designated percentage of the cost for care, which is called coinsurance.
  • Out-of-pocket maximum. The plan protects you financially by limiting the total amount you will pay each year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100 percent of your eligible expenses for the remainder of the year, as long as you use network providers. (For out-of-network providers, the plan will pay 100 percent of the “usual and customary” charge. You’re responsible for any amount in excess of the usual and customary charge.)

$1,500 and $2,500 Deductible Plans (HSA Compatible)

Available to Robert Half and Protiviti employees and those in the Salaried Professional Services program (excluding temporary employees in Hawaii) — refer to your benefits guide for the plans available to you.

The $1,500 Deductible Plan and $2,500 Deductible Plan help you take charge of your health and financial savings. In addition to providing benefits, these plans are compatible with a Health Savings Account (HSA), which lets you save pre-tax dollars to pay your current and future medical and prescription drug expenses — including your deductible.

The plan benefits include:

  • Free in-network preventive medical care. Preventive care is 100 percent covered with no deductible and no coinsurance, as long as you receive this care from in-network providers.
  • Annual deductible. You pay for your initial costs for medical and prescription services until you satisfy your annual deductible. The annual deductible applies to all non-preventive services, including office visits, hospitalization, emergency room services and prescription drugs.
  • Note: When more than one family member is covered, the plans begin to pay benefits for an individual only when the family annual deductible amount is reached.

  • Coinsurance. Once the deductible is met, you and the plan will each pay a designated percentage of the cost for care, which is called coinsurance.
  • Out-of-pocket maximum. The plan protects you financially by limiting the total amount you will pay each year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100 percent of your eligible expenses for the remainder of the year, as long as you use network providers. (For out-of-network providers, the plan will pay 100 percent of the “usual and customary” charge. You’re responsible for any amount in excess of the usual and customary charge.)
  • Note: The plan begins to pay 100 percent of covered in-network care only after the family annual out-of-pocket amount is reached.

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For California Participants Enrolled in a Kaiser Plan

If you live in California and enroll in family coverage in Kaiser’s $1,500 Deductible or $2,500 Deductible Plan, the amount that an individual within a family will pay for the calendar-year deductible and out-of-pocket maximum will be limited to $2,800 in 2020.

How the HSA and Your Medical Plan Work Together

Think of the $1,500 Deductible Plan and $2,500 Deductible Plan like a house. Each level builds on the other to create a comprehensive medical plan. Preventive care is the foundation, the deductible and coinsurance are the first and second floors, and the out-of-pocket maximum is the roof. Here’s how they all work together:

RH_HSA_HOUSE

Kaiser Hawaii Gold Be Fit

Available to Robert Half and Protiviti employees, those in the Salaried Professional Services program and temporary employees in Hawaii — refer to your benefits guide for the plans available to you.

With Kaiser Hawaii Gold Be Fit, an HMO through Kaiser, you must use network providers for your care. The plan does not provide benefits for care received from out-of-network providers, except in an emergency. HMO plan participants also need to designate a primary care physician (PCP). Specialist referrals must be coordinated through your PCP.

iconLive in Hawaii and Waiving Medical Coverage?

Robert Half offers two medical plans to eligible temporary professionals in Hawaii. Both medical plans meet the requirements of the Hawaii Prepaid Health Act.

If you want to waive medical coverage, either as a newly eligible employee or during Open Enrollment, you must:

If you don’t complete all the waiver steps above, you’ll be automatically enrolled in employee-only coverage under the Kaiser Hawaii Gold Be Fit Plan effective January 1, 2020.

HMSA CompMed

Available to Robert Half and Protiviti employees, those in the Salaried Professional Services program and temporary employees in Hawaii — refer to your benefits guide for the plans available to you.

With Hawaii Medical Service Association (HMSA) CompMed Plan, you may choose to use network providers for your care, or you can receive care from out-of-network providers. If you choose network providers and facilities, you’ll usually pay less.

iconLive in Hawaii and Waiving Medical Coverage?

Robert Half offers two medical plans to eligible temporary professionals in Hawaii. Both medical plans meet the requirements of the Hawaii Prepaid Health Act.

If you want to waive medical coverage, either as a newly eligible employee or during Open Enrollment, you must:

If you don’t complete all the waiver steps above, you’ll be automatically enrolled in employee-only coverage under the Kaiser Hawaii Gold Be Fit Plan effective January 1, 2020.

Coverage Details

Learn the benefits for each plan by viewing the comparison charts for:

Anthem and Cigna $400 and $900 Deductible Plans (Except in Hawaii)

Below is a snapshot of some of the benefits covered under each medical plan option and your out-of-pocket costs.

Benefits $400 Deductible Plan $900 Deductible Plan
  In-Network Out-of-Network In-Network Out-of-Network
Plan Features
Calendar-year deductible
Individual $400 $2,500 $900 $3,000
Family $800 $5,000 $1,800 $6,000
Calendar-year out-of-pocket maximum1
Individual $2,200 $4,400 $3,000 $6,000
Family $4,400 $8,800 $6,000 $12,000
Preventive Care
Annual exams, immunizations, screenings and other eligible preventive care No charge You pay 40% after deductible No charge You pay 40% after deductible
Office Visits
Primary care You pay $20 copay (no deductible) You pay 40% after deductible You pay 20% after deductible You pay 40% after deductible
Specialist You pay $40 copay (no deductible) You pay 40% after deductible You pay 20% after deductible You pay 40% after deductible
Hospital Facility
Inpatient and outpatient You pay 20% after deductible You pay 40% after deductible You pay 20% after deductible You pay 40% after deductible
Emergency room You pay $150 copay, then 20% after deductible2 You pay $150 copay, then 20% after deductible2 You pay 20% after deductible You pay 20% after deductible
Retail Prescriptions3 (up to a 30-day supply) — through an Express Scripts (you need to log in) participating pharmacy
Generic $10 (no deductible) $10 (no deductible) You pay 30% (no deductible; min. $10/
max. $20)
You pay 30% (no deductible; min. $10/
max. $20)
Brand formulary $30 (no deductible) $30 (no deductible) You pay 30% (no deductible; min. $25/
max. $50)
You pay 30% (no deductible; min. $25/
max. $50)
Brand non-formulary $60 (no deductible) $60 (no deductible) You pay 45% (no deductible; min. $40/
max. $80)
You pay 45% (no deductible; min. $40/
max. $80)
Mail-Order Prescriptions3 (up to a 90-day supply) — through Express Scripts (you need to log in) or Smart90 participating pharmacy
Generic $25 (no deductible) Not covered You pay 30% (no deductible;
min. $25/
max. $50)
Not covered
Brand formulary $75 (no deductible) Not covered You pay 30% (no deductible;
min. $62.50/
max. $125)
Not covered
Brand non-formulary $150 (no deductible) Not covered You pay 45% (no deductible; min. $100/
max. $200)
Not covered
iconClick for Footnotes

1 All copays, coinsurance and deductibles apply to the out-of-pocket maximum.

2 Copay waived if admitted. For the $400 Deductible Plan through Cigna only, neither the deductible nor coinsurance apply — only the copay will be required for this service.

3 Prescriptions included on the preventive drug list are covered at the in-network coinsurance level prior to meeting the deductible.

Anthem and Cigna $1,500 and $2,500 Deductible Plans (Except in Hawaii)

Below is a snapshot of some of the benefits covered under each medical plan option and your out-of-pocket costs.

Benefits $1,500 Deductible Plan $2,500 Deductible Plan
  In-Network Out-of-Network In-Network Out-of-Network
Plan Features
Calendar-year deductible
Individual $1,500 $3,000 $2,500 $4,500
Family $3,0001,2 $6,0001,2 $5,0001,2 $9,0001,2
Calendar-year out-of-pocket maximum3
Individual $3,000 $6,000 $4,500 $9,000
Family $6,0004 $12,0004 $6,8504 $13,7004
Preventive Care
Annual exams, immunizations, screenings and other eligible preventive care No charge You pay 40% after deductible No charge You pay 50% after deductible
Office Visits
Primary care You pay 20% after deductible You pay 40% after deductible You pay 30% after deductible You pay 50% after deductible
Specialist You pay 20% after deductible You pay 40% after deductible You pay 30% after deductible You pay 50% after deductible
Hospital Facility
Inpatient and outpatient You pay 20% after deductible You pay 40% after deductible You pay 30% after deductible You pay 50% after deductible
Emergency room You pay 20% after deductible You pay 20% after deductible You pay 30% after deductible You pay 30% after deductible
Retail Prescriptions5 (up to a 30-day supply) — through an Express Scripts (you need to log in) participating pharmacy
Generic You pay 20% after deductible6 You pay 20% after deductible6 You pay 30% after deductible6 You pay 30% after deductible6
Brand formuary You pay 20% after deductible6 You pay 20% after deductible6 You pay 30% after deductible6 You pay 30% after deductible6
Brand non-formulary You pay 20% after deductible6 You pay 20% after deductible6 You pay 30% after deductible6 You pay 30% after deductible6
Mail-Order Prescriptions5 (up to a 90-day supply) — through Express Scripts (you need to log in) or Smart90 participating pharmacy
Generic You pay 20% after deductible Not covered You pay 30% after deductible Not covered
Brand formulary You pay 20% after deductible Not covered You pay 30% after deductible Not covered
Brand non-formulary You pay 20% after deductible Not covered You pay 30% after deductible Not covered
iconClick for Footnotes

1 The plans begin to pay benefits for an individual only when the family deductible amount is reached.

2 Family deductible amounts apply if you choose one of the following coverage levels: employee + spouse, employee + child(ren) or employee + family.

3 All copays, coinsurance and deductibles apply to the out-of-pocket maximum.

4 The plan begins to pay 100% of covered in-network care and prescriptions only after the full family annual out-of-pocket amount is reached.

5 All prescriptions will be filled with the generic version of the prescription unless otherwise specified by a physician. If you request a brand prescription when a generic is available, you’ll pay the applicable copay, plus the difference in cost between the generic and the brand.

6 Prescriptions included on the preventive drug list are covered at the in-network coinsurance level prior to meeting the deductible.

Kaiser Plans (Except in Hawaii)

Below is a snapshot of some of the benefits covered under the Kaiser medical plans and your out-of-pocket costs. These plans aren’t available in Hawaii. Benefits for the various Kaiser plans vary slightly, but this chart gives you a general overview of each plan. (Note: Special limits apply to the family deductible and out-of-pocket maximums for Kaiser California only.)

Benefits $400 Deductible Plan $900 Deductible Plan $1,500 Deductible Plan (HSA Compatible) $2,500 Deductible Plan (HSA Compatible)
In-Network1 In-Network1 In-Network1 In-Network1
Plan Features
Calendar-year deductible
Individual $400 $900 $1,5001 $2,5001
Family $800 $1,800 $3,000 (For Kaiser California: Limited to $2,800 for an individual within a family)2 $5,000 (For Kaiser California: Limited to $2,800 for an individual within a family)2
Calendar-year out-of-pocket maximum
Individual $2,200 $3,000 $3,000 $4,500
Family $4,400 $6,000 $6,000 (For Kaiser California: Limited to $3,000 for an individual within a family)3 $6,850 (For Kaiser California: Limited to $4,500 for an individual within a family)3
Preventive Care
Annual exams, immunizations, screenings and other eligible preventive care No charge No charge No charge No charge
Office Visits
Primary care You pay $20 copay You pay 20% after deductible You pay 20% after deductible You pay 30% after deductible
Specialist You pay $40 copay You pay 20% after deductible You pay 20% after deductible You pay 30% after deductible
Hospital Facility
Inpatient and outpatient You pay 20% after deductible You pay 20% after deductible You pay 20% after deductible You pay 30% after deductible
Emergency room CA: You pay 20% (no deductible)
All other states: You pay $150 copay (waived if admitted) plus 20% after deductible
You pay 20% after deductible You pay 20% after deductible You pay 30% after deductible
Retail Prescriptions4,5 (up to a 30-day supply)
Generic You pay $10 copay You pay 30% (max. $20) You pay 20% after deductible6 (max. $50) You pay 30% after deductible6 (max. $50)
Brand formulary You pay $30 copay You pay 30% (max. $50) You pay 20% after deductible6 (max. $100) You pay 30% after deductible6 (max. $100)
Brand non-formulary Same as formulary, when approved through exception process Same as formulary, when approved through exception process Same as formulary, when approved through exception process Same as formulary, when approved through exception process
Mail-Order Prescriptions4,5 (up to a 90-day supply)
Generic You pay $20 copay You pay 30% (max. $20) You pay 20% after deductible (max. $50) You pay 30% after deductible (max. $50)
Brand formulary You pay $60 copay You pay 30% (max. $50) You pay 20% after deductible (max. $100) You pay 30% after deductible (max. $100)
Brand non-formulary Same as formulary, when approved through exception process Same as formulary, when approved through exception process Same as formulary, when approved through exception process Same as formulary, when approved through exception process
iconClick for Footnotes

1 Kaiser offers in-network benefits only.

Family deductible amounts apply if you choose one of the following coverage levels: employee + spouse, employee + child(ren) or employee + family.

3 All copays, coinsurance and deductibles apply to the out-of-pocket maximum.

4 All prescriptions will be filled with the generic version of the prescription unless otherwise specified by a physician. If you request a brand prescription when a generic is available, you’ll pay the applicable copay, plus the difference in cost between the generic and the brand.

5 Depending on your service area, prescription benefits under the Kaiser plans may vary.

6 Prescriptions included on the preventive drug list are covered at the in-network coinsurance level prior to meeting the deductible.

Medical Plans in Hawaii

Benefits Kaiser Hawaii Gold Be Fit HMSA CompMed HMSA CompMed
In-Network In-Network Out-of-Network
Deductible Individual: $200
Family: $400
None None
Annual Out-of-Pocket Maximum
(medical)
Individual: $2,200
Family: $4,400
Individual: $2,500
Family: $7,500
Lifetime Maximum Benefit None None None
Preventive Care No charge No charge No charge
Physician Office Visit You pay $15 copay You pay $14 copay You pay $14 copay
Hospital
Inpatient You pay 10% after deductible You pay 20% You pay 20%1
Outpatient You pay 10% after deductible You pay 20% You pay 20%1
Emergency room You pay 20% (no deductible) You pay $20 copay and 20% You pay $20 copay and 20%1
Prescription Drugs
Annual Out-of-Pocket Maximum (prescription drugs) N/A Individual: $3,600
Family: $4,200
Individual: $3,600
Family: $4,200
Retail (up to a 30-day supply)
  • Generic Maintenance: You pay $10 copay
  • Other Generics: You pay $20 copay
  • Brand: You pay 50%
  • Specialty: You pay 50% (after $250 individual/$500 family deductible for specialty drugs)
  • Generic: You pay $7 copay
  • Preferred Brand:2 You pay $30 copay
  • Non-Preferred Brand:2 You pay $30 copay plus $45 other brand-name cost sharing
  • Preferred Specialty: You pay $100 copay
  • Non-Preferred Specialty: You pay $200 copay
  • Generic: You pay $7 copay plus 20%
  • Preferred Brand:2 You pay $30 copay plus 20%
  • Non-Preferred Brand:2 You pay $30 copay, plus 20%, plus $45 other brand-name cost sharing
  • Specialty: Not covered
Mail Order (up to a 90-day supply)
  • Generic Maintenance: You pay $20 copay
  • Other Generics: You pay $40 copay
  • Brand: You pay 50%
  • Specialty: You pay 50% (after $250 individual/$500 family deductible for specialty drugs)
  • Generic: You pay $11 copay
  • Preferred Brand:1 You pay $65 copay
  • Non-Preferred Brand:1 You pay $65 copay plus $135 other brand-name cost sharing
  • Preferred Specialty: You pay $100 copay
  • Specialty: Not covered
Not covered
iconClick for Footnotes

1 All copays shown are based on eligible charges. An eligible charge is the amount HMSA’s participating providers have agreed to accept as payment in full for services rendered. All services received from a non-participating provider will likely result in significantly higher out-of-pocket expenses, since the member is responsible for any difference between HMSA’s eligible charge and the non-participating provider’s actual charge. Please note: Eligible charges don’t include the excise tax or other taxes. You’re responsible for all taxes related to your medical coverage.

2 When a prescribed brand-name drug has a generic equivalent that is listed on the Hawaii Drug Formulary of Equivalent Drug Products, you’ll be responsible for the appropriate copayment, plus the difference in cost between the generic and brand-name drugs. This applies regardless of whether you chose not to use the generic drug or whether it wasn’t available at your pharmacy.

Health Advocacy Resources

In addition to the coverage provided by your medical plan, you may have access to health advocacy tools and resources to help meet your health care needs. There are additional tools available on Mercer Marketplace 365.

iconBest Doctors

When you choose a Robert Half medical plan, you’ll have access to Best Doctors. This service provides confidential second opinions and diagnostic reviews from some of the country’s premier physicians to help you receive the most appropriate care for your situation. They can also help you find the best doctor to help treat your particular illness or injury. This benefit is 100 percent confidential and offered at no charge to enrolled employees and dependents. For more information, go to Best Doctors or call 1.866.904.0910.

iconHealth Advocate

You and your eligible family members, including parents and parents-in-law, have access to Health Advocate, a leading national health advocacy and assistance company. You don’t need to enroll in a Robert Half medical plan to use Health Advocate.

Health Advocate provides many important services to help you and your family members resolve health care-related issues, balance your life and work and make healthy lifestyle changes.

You have access to personal health advocates who can assist you and your eligible dependents with the following services:

  • Finding a doctor or hospital
  • Resolving billing and claim issues
  • Getting a second opinion for a diagnosis and expediting appointments
  • Understanding conditions, test results, prescriptions and treatment options
  • Finding eldercare and support services
  • Understanding Medicare
  • And more….

For more information, go to Health Advocate, call 1.866.695.8622 or email mailto:answers@healthadvocate.com.

iconVirtual Medical Visits

Available to employees enrolled in Anthem, Cigna or Kaiser plans

Consider using your carrier’s virtual care programs — like Anthem’s LiveHealth Online, CIGNA’s MDLIVE or Kaiser’s on-demand video visits — where you can see a doctor on your computer or mobile device and get answers 24/7.

iconCompare Costs for Care

Available to employees enrolled in Anthem or Cigna plans

Have you tried Anthem’s or Cigna’s cost comparison tools? They can help you find the best value for a procedure in your area. For example, an MRI at a hospital might run $2,000, while services at an imaging center might cost only $800 for the same service.

  • If you’re an Anthem member, go to Anthem and log in to use the Cost & Care Finder tool. Search for the procedure you need and the tool will help guide you.
  • If you’re a Cigna member, visit Cigna or download the myCigna mobile app, and use the health care professional directory. The search will provide a list of providers, as well as integrated costs and quality information.

Kaiser offers members an online calculator that provides cost estimates for many commonly used treatments and services. Use Estimates — Kaiser’s treatment cost calculator — to get an estimate of your out-of-pocket costs.

iconSmart90 (for maintenance medication at local pharmacy)

Available to employees enrolled in Anthem or Cigna plans

Robert Half is introducing Smart90 beginning in January 2020. This program helps you save money and stay on track when refilling maintenance medication. This option will be available in addition to the mail-order program and will make filling maintenance medications easier and more convenient. It also makes filling prescriptions at a retail pharmacy less expensive. Instead of paying for three 30-day supplies of medication, you can pay for a 90-day supply, which costs less.

Here’s how it works:

  • Starting January 1, 2020, you can receive a 90-day supply of your maintenance medication(s) at a participating Walgreens or CVS/Target Pharmacy. To find a participating Smart90 pharmacy, go to Express Scripts (you need to log in).
  • After two refills, if you purchase your maintenance medication(s) at a retail pharmacy other than a participating Smart90 pharmacy or the mail order program, you’ll pay 100% of the cost of your medication(s). To estimate a drug’s cost, use the Price a Medicine tool at Express Scripts (you need to log in).
iconRationalMed

Available to employees enrolled in Anthem or Cigna plans

Your safety, and your family’s safety, is top of mind for Robert Half. That’s why, beginning January 2020, Robert Half will implement an integrated data engine called RationalMed through Express Scripts. This data engine will be able to identify adverse drug risk, coordination of care and omission of essential care and send safety interventions and alerts to providers. This intervention is expected to help you and your family members prevent additional health and/or risk of death.