Overview

Open Enrollment is your once-a-year opportunity to enroll in or make changes to your coverage. That means it’s a great time to give your benefits a checkup. (Note: No action is required if you decide not to make any changes, other than reenrollment in Flexible Spending Accounts or other programs that require annual renewal.) Keep reading to see how our programs can help you and your family stay healthy, balanced and happy.

Open Enrollment for 2020 benefits begins October 30, 2019 and ends November 19, 2019 at 8:59 p.m. Pacific time.

Important! Refer to your benefits guide for the plans that are available to you: Staff and Protiviti Benefits Guide, Hawaii Temporary Professionals Benefits Guide or Salaried Professional Services Benefits Guide. (To see your 2019 guides, please click here.)

Most existing benefit elections will carry over to 2020. However, some benefits may have changed.

If you don’t do anything during Open Enrollment, most of your current coverages will continue. However, some benefits require active enrollment — your 2019 elections won’t roll over to next year.

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You Must Take Action for Certain Plans (If Available to You)

If you want to participate in a Flexible Spending Account (FSA), you must make an election each year during Open Enrollment. Once enrolled, you may not make changes to your FSA election unless you have a qualified life event. FSA participation doesn’t carry over to the next plan year.

For the Health Savings Account (HSA) and commuter benefits, submit your elections by November 19, 2019 if you want to continue contributing as of your first paycheck in 2020. However, you may choose to make contributions or change your contribution amount at any time during the year.

 

2020 Changes — Robert Half and Protiviti

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.

In 2020, we’re enhancing our benefits to reflect your feedback. We’re expanding eligibility and mitigating cost increases for most of our plans. We continue to evaluate the benefit plans and make changes to ensure our benefits provide you with the highest level of care and support, while keeping us competitive across our industry.

Following are highlights of the 2020 changes. More details about the plans are on this site or refer your benefits guide for the plans that are available to you: Staff and Protiviti Benefits Guide or Salaried Professional Services Benefits Guide.

Eligibility for Benefits

Beginning January 1, 2020, we’re making an important change to our benefits: you will now be eligible to enroll in benefits provided through the Mercer Marketplace 365 if you’re a regular Robert Half or Protiviti employee working a minimum of 20 hours per week. (Previously, you were eligible if you worked 30 hours per week.)  

We believe that lowering the required number of hours to qualify for benefits will:

  • Help employees better balance work and life
  • Allow a larger number of our valued employees the opportunity to enroll for quality coverage that protects and increases their overall well-being
  • Better position Robert Half to attract and retain a variety of talent

Note: The 20-hour eligibility requirement does not affect employees in the Salaried Professional Services program. Additionally, this 20-hour minimum doesn't apply to any leave or time off policies.

Coverage Costs

You told us cost continues to be your biggest concern for health care coverage. In previous years, we’ve implemented increases across several plans to effectively share responsibility of the increased cost of care. In 2020, Robert Half/Protiviti will absorb most of the cost increases for its plans. There will be no employee rate increases for Anthem and Cigna members at all tier levels — this is the third straight year that employees in $1,500 and $2,500 Deductible Plans offered by Anthem and Cigna will not experience a rate increase. The same is true for dental, vision, supplemental long-term disability, supplemental employee and child life insurance, and supplemental accidental death and dismemberment (AD&D) plans.

Kaiser, Hawaii’s HMSA and spouse supplemental life insurance rates will see an increase.

If you’re a Kaiser member, Robert Half is absorbing a large majority of the cost increase associated with this plan, which is driven by high utilization and a high cost of claims. We know it may be challenging to pay a little more for health care next year, but keep in mind the Kaiser plan remains the lowest cost medical plan for most of the tier levels. We appreciate your understanding as we share responsibility for the cost of care.

Below is a summary chart of 2020 plan rate changes.

All benefits rates are available through Mercer Marketplace 365 and on your internal company site starting October 30, 2019, except MetLife Auto and Home Insurance and Nationwide Pet Insurance. You must contact those vendors separately (available through the Mercer Marketplace 365).

2020 Plans 2020 Rate Increase?
Medical: Anthem and Cigna plans No
Medical: Kaiser plans (all regions) Yes (all coverage levels)
Medical: HMSA (Hawaii only) Yes (all coverage levels)
Dental: Standard and Enhanced No
Vision: VSP and Davis Vision No
Supplemental Insurance Options
Allstate Hospital Indemnity Insurance No
Allstate Accident Insurance No
Allstate Critical Illness Insurance No
Allstate Universal Life Insurance No
Lincoln Supplemental LTD Plan No
Lincoln Supplemental Life Insurance Yes, for supplemental spouse life insurance only
Lincoln Supplemental AD&D Insurance No
Voluntary Plans
InfoArmor Identity Protection No
MetLaw Legal Benefits No
MetLife Auto and Home Insurance Your individual rates may increase during the year
Nationwide Pet Insurance Your individual rate may increase at your renewal

Anthem and Cigna Medical Plans

The following changes affect those who enroll in an Anthem or Cigna medical plan.

Smart90

We’re introducing Smart90, a program that will help you save money and stay on track when refilling maintenance medications. This option is 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 and 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 Express Scripts Price a Medicine tool. (You must login to use the tool.)

If you currently take a maintenance medication, watch for a letter from Express Scripts with details about how the Smart90 plan works and can save you money.

RationalMed

To better protect you and your family from potential health risks and medical complications, Robert Half will implement RationalMed (through Express Scripts) beginning in January 2020. This free service identifies risks, such as adverse drug reactions, by integrating medical, pharmacy and laboratory claims data. It also sends safety interventions and alerts to caregivers to help you and your family members avoid additional risks.

Care Management

Effective January 1, management of chronic condition(s) will be provided through Anthem Total Health, Total You and Cigna Health Matters® Care Management Complete. These structured treatment plans help those with chronic conditions better manage their diseases in order to maintain and improve their quality of life. If you’re eligible (based on the care you received), Anthem or Cigna will reach out by phone to invite you to participate.

Note: If you're currently receiving care management through Mercer Health Advantage for a particular health issue or condition, you'll continue to be supported by Mercer Health Advantage; you're not required to change to Anthem or CIGNA’s new program in the middle of treatment or care management.

Kaiser Medical Plans

Kaiser is making the following changes to their plan designs:

  • California — For the $1,500 and $2,500 Deductible Plans:
    • Deductible: The deductible amount for an individual within a family will increase to $2,800
    • Acupuncture: Services are now covered for $15 copay per visit after you meet the deductible; visit limits will be 40 visits (combined with chiropractic)
    • Chiropractic: Visit limits are increasing to 40 visits (combined with acupuncture)
  • Georgia — For all plans:
    • Autism: Services are now unlimited
  • Northwest — For all plans:
    • Diabetic supplies: You now pay 20% for disposable supplies after you meet the deductible

Health Savings Account (HSA)

Save more! For 2020, the IRS increased the annual limit for HSA contributions to $3,550 for employee only and $7,100 if you cover your spouse and/or child(ren) too .

Life and AD&D Insurance

Effective January 1, 2020, we’re changing carriers from VOYA to Lincoln Financial for our life and accidental death & dismemberment (AD&D) benefits. Your current elections and rates will automatically carry over, although the rates for supplemental spouse/domestic partner life insurance will increase slightly.

Note: Employee and spouse/domestic partner rates are based on age as of January 1, 2020. As you age, your rate for coverage increases, so your costs increase over time.

During this enrollment period only (October 30, 2019 – November 19, 2019 ), you may choose to purchase additional life insurance coverage up to the following amounts without providing evidence of insurability:

  • Supplemental Employee Life: An additional $250,000 (on top of current coverage amounts)
  • Supplemental Spouse Life: A total of $50,000
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Did You Know? This Open Enrollment Is a Great Time to Increase Your Life Insurance Coverage

After this Open Enrollment period, you’ll need to provide evidence of insurability for any coverage amount. If you increase your coverage now, no additional documentation is needed.

Long-Term Disability Plan

As of September 1, 2019, our long-term disability insurance carrier’s name changed to Lincoln Financial.

2020 Changes — Hawaii Temporary Professionals

Robert Half’s benefits are designed to support your well-being. Each year, we continue to manage costs wherever we can. For 2020, Robert Half is absorbing a large majority of the medical plan cost increases, which are generally driven by high utilization and a high cost of claims. We appreciate your partnership as we continue to share responsibility for the cost of care. 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.

Following are highlights of the 2020 changes. More details about the plans are on this site or in the Hawaii Temporary Professionals Benefits Guide.

Payroll Deductions Beginning 2020

Starting in 2020, we're introducing payroll deductions for employee coverage in the medical plans. Up until now, Robert Half has been paying 100% of your medical plan monthly contributions. However, in compliance with the Hawaii Prepaid Health Care Law, we will deduct the monthly contribution amount or up to 1.5% of your regular earnings, whichever is lower. Paycheck deductions will begin with the first paycheck in January 2020. You will continue to pay the full amount for any dependents you elect to cover. Go to Mercer Marketplace 365 starting October 30, 2019 to see the medical plan contribution amounts.

Coverage Costs

Kaiser and HMSA costs will increase, but most of the voluntary plan costs won’t change.

All rates are available through the Mercer Marketplace 365 starting October 30, 2019, except MetLife Auto and Home Insurance and Nationwide Pet Insurance. You must contact those vendors separately (available through the Mercer Marketplace 365).

How to Enroll

Mercer Marketplace 365 is the platform where you enroll or make changes to all of your benefits, including Anthem, Cigna, Kaiser and other products we offer. You can compare benefit plans — including details and costs — and choose the best fit for your needs and those of your family.

Mercer Marketplace 365 provides resources to help you understand your options, such as the Mercer Marketplace 365 medical plan comparison tool that lets you model various benefits scenarios.

Online Phone Mobile
Visit the Mercer Marketplace 365 Call 1.855.879.6739
Monday – Friday: 4 a.m. – 7 p.m. Pacific time
Saturday: 7 a.m. – 11 a.m. Pacific time
Download the Mercer Marketplace 365 app from your app store. (company ID: ROBHAF)
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Enrollment Tip

Have your dependent’s Social Security number (except for newborns) and date of birth ready before logging on to the Mercer Marketplace 365 or calling the service center.

Tools to Help You Choose

Choosing the right plans matters to your health and your financial well-being. Use these resources to learn about your benefits and select the best options for you and your family.

  • Mercer Marketplace 365 – Use decision tools, compare plans and use the online chat feature to get help from a benefits counselor.
  • 2020 Open Enrollment Brochure – A brochure, which was mailed to your home, highlights what’s changing for 2020 and outlines the steps and key dates for enrollment.
  • Open Enrollment Presentation – Watch this video at your convenience for an overview of Robert Half‘s 2020 benefits.
alert iconUse These Tools as You Enroll

Which plans are best for you? Look for these tools as you go through the enrollment process on the Mercer Marketplace 365 — they will make it easier to decide.

  • Plan compare – On the Choose your medical plan page, check the Compare box next to each plan you want to look at, then click the Compare Plans & Estimate Your Cost button to see up to four medical plans side by side.
  • Cost estimator – As you review your options on the Choose your medical plan page, each medical plan shows an Estimated Annual Cost (your premiums + out-of-pocket costs for care) based on US averages. You can use the sliders in the Personalize your estimated cost box on the top of the page to adjust these annual cost estimates based on your specific health care needs. You can also estimate your tax savings from using an HSA or FSA.
  • Health Advocate – Get personalized help making decisions regarding your benefit choices by calling 1.866.695.8622.