Medical

Keep in mind:

• The way you pay: You have two coverage options available to you, both through Blue Cross and Blue Shield of Illinois (BCBS). If, in the event you need medical care, you’d prefer to have lower medical contribution amounts deducted from your pay but have higher cost-sharing amounts apply (i.e., deductible and coinsurance), consider the coverage option that’s paired with an HSA—the HSA-Compatible PPO option under the Mondelēz Global Medical Plan (Medical Plan). If you’d rather pay more in medical contributions to keep your potential cost-sharing amounts lower if/when you need medical care, consider the Classic PPO option.
• Where you get care: Regardless of whether you elect the Classic PPO or HSA-Compatible PPO option, it’s always most cost effective to receive care from an in-network provider. Confirm your provider’s network participation by using the provider look-up tool on MyBenefits Online―especially since network participation can change over time. It’s also good to confirm network participation directly with your provider before you receive services.
• Special coverage needs: Consider the specific care you or your family members may need (for example, regular check-ups with a specialty provider). To understand how BCBS will cover your care, use their cost look-up tool on MyBenefits Online.

Dental and Vision

Keep in mind:

• You have an option for dental coverage: This option covers preventive, basic, and major dental care services. It also includes coverage for orthodontia services for both adults and children. Consider whether this coverage option will best meet your needs.
• If you or your family members need vision care: Vision coverage for exams and eyewear may be right for you.

Key points to keep in mind:

• Maximize your health care savings potential (if eligible): Take advantage of the Health Savings Account’s (HSA’s) triple-tax advantage—contribute (and build upon HSA matching contributions from the Company if eligible); pay for eligible medical, prescription drug, dental, and vision expenses; and earn interest/investment returns—all tax-free. Remember, an HSA is paired with the Medical Plan’s HSA-Compatible PPO option.
• Think through the potential tax savings of contributing to the Flexible Spending Accounts (FSAs): If you’re a new hire, note that any amount you may have contributed to an FSA since January 1, 2025 (prior to your employment with the Company) will count toward the annual contribution limits that apply to the FSAs. If you decide to participate in an FSA, plan carefully. By law, you'll forfeit any amount for the year left in your FSA after the claims submission window ends on March 31, 2026.
• Consider whether additional disability, life, and accident protection makes sense for you: Understand what you receive automatically from the Company, and the options you have to purchase additional coverages. You also have the option of having the Company pay the cost of Long Term Disability (LTD) coverage (making the LTD benefit taxable to you if you become disabled). If you’re a new hire, you have a one-time opportunity to elect LTD and certain Optional Life Insurance coverage amounts without having to provide Evidence of Insurability (EOI). When you first enroll and during Annual Enrollment, be sure you review your beneficiaries and update them if needed.
• Don’t wait to start thinking about your financial well-being and future financial security: The 401(k) Savings Plan can help you meet your goals. If you’re a new hire, automatic enrollment applies at the time you’re first eligible, unless you actively make a different election. You can opt out, increase, or decrease your contribution rate; and change your investment elections at any time.

Enroll during new hire or Annual Enrollment:

• Critical Illness Insurance: Provides additional financial assistance when you or a covered family member are diagnosed with a covered illness.
• Group Legal Services Plan: Offers assistance for a variety of covered legal matters, including wills and estate planning.

Participate any time throughout the year:

• Pet Insurance: Helps cover the cost of your pet’s injuries and illnesses.
• Commuter Benefits Program: Enables you to pay for your eligible transit and parking expenses commuting to and from work—tax free.
• Cool Perks: Reimburses your sustainable activities through programs such as Cool Home, Cool Car, Cool Bike, Athletic Competition Reimbursements, National Parks Pass, and an on-site gym.
• Discount Program: Offers exclusive discounts on everyday products and services through PlumBenefits.
• KinderCare: Offers discounted rates for full-time, part-time, and drop-in care at a KinderCare center or Champions location.

Key points to keep in mind:

• Have you considered the added financial protection from Critical Illness? How about the ways you might take advantage of other voluntary coverages such as those through the Group Legal Services Plan? If you have a pet, don't forget there’s Pet Insurance available for your pet's health too.
• Other Programs: Don’t forget the variety of other Programs and Policies that are in place to help support The Right You. These include a Commuter Benefit Program, Cool Perks, a Discount Program through PlumBenefits, and child care discounts through KinderCare. They also include Paid Time Off (PTO) and Vacation Policies, Adoption and Surrogacy Assistance Policies, an Education Assistance Policy, and a Scholarship Program.
• The Contact Info & Apps page includes how to access the websites for each of the above carriers/benefit vendors—where you can find additional details. For information about PTO, Vacation, Adoption and Surrogacy Assistance, and Education Assistance Policies as well as the Scholarship Program, see the Employee Center (these can vary across the Company).

Key points to keep in mind:

• Consider using the well-being tools and resources: The Right You's initiatives are designed to support all three pillars of well-being—Mind, Body, and Connection.
• Lean on the support available through the Employee Assistance Program (EAP): There are a variety of support resources the EAP provides to help you balance family, work, and personal needs.

• Eligibility and coverage: To confirm your eligibility and the coverage options available to you, go to MyBenefits Online.
• Dependent verification: You’re responsible for ensuring that each dependent you enroll for MDLZ-sponsored medical, dental, and/or vision coverage meets the eligibility requirements at all times. The “Your Guide to the Mondelēz Global LLC Group Benefits Plan” details dependent eligibility (access the Guide in the Reference Center on MyBenefits Online).