{"id":283,"date":"2024-06-05T13:43:30","date_gmt":"2024-06-05T13:43:30","guid":{"rendered":"https:\/\/mdlzbmr.com\/clifhourlybakery\/?page_id=283"},"modified":"2026-02-19T15:07:28","modified_gmt":"2026-02-19T15:07:28","slug":"decide-what-will-support-you","status":"publish","type":"page","link":"https:\/\/mdlzbmr.com\/clifhourlybakery\/decide-what-will-support-you\/","title":{"rendered":"Decide What Will Best Support You"},"content":{"rendered":"\n\n\t\t<h2>Decide what will best support you<\/h2>\t\n<h2>\n\t\t\tWhen considering your coverage options, do so carefully\t<\/h2>\n<p>Here are some tips to help you through the decision-making process.<\/p>\n\t<style>#sp-ea-309 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-309.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-309.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-309.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-309.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-309.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1717601669\"><div id=\"sp-ea-309\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3090\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3090\" aria-controls=\"collapse3090\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Health<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3090\" role=\"region\" aria-labelledby=\"ea-header-3090\"> <div class=\"ea-body\"><h4 class=\"blue-text\"><strong>Medical<\/strong><\/h4><p>Keep in mind:<\/p><ul><li><span class=\"blue-text\"><strong>The way you pay:<\/strong><\/span> 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\u2019d prefer to have lower contribution amounts deducted from your pay but have higher cost-sharing amounts apply (i.e., deductible and coinsurance), consider the coverage option that\u2019s paired with an HSA\u2014the HSA-Compatible PPO option under the Mondel\u0113z Global Medical Plan (Medical Plan). If you\u2019d 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.<\/li><li><span class=\"blue-text\"><strong>Where you get care:<\/strong><\/span>\u00a0Regardless of whether you elect the Classic PPO or HSA-Compatible PPO option, it\u2019s always most cost effective to receive care from an in-network provider. Confirm your provider\u2019s network participation by using the provider look-up tool on <a href=\"http:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>\u2015especially since network participation can change over time. It\u2019s also good to confirm network participation directly with your provider before you receive services.<\/li><li><span class=\"blue-text\"><strong>Special coverage needs:<\/strong><\/span> 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 <a href=\"http:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>.<\/li><\/ul><h4 class=\"blue-text\"><strong>Dental and Vision<\/strong><\/h4><p>Keep in mind:<\/p><ul><li><span class=\"blue-text\"><strong>You have an option for dental coverage:<\/strong><\/span> 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.<\/li><li><span class=\"blue-text\"><strong>If you or your family members need vision care:<\/strong><\/span> Vision coverage for exams and eyewear may be right for you.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3091\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3091\" aria-controls=\"collapse3091\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Money<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3091\" role=\"region\" aria-labelledby=\"ea-header-3091\"> <div class=\"ea-body\"><p>Key points to keep in mind:<\/p><ul><li><span class=\"green-text\"><strong>Maximize your health care savings potential (if eligible):<\/strong><\/span> Take advantage of the Health Savings Account\u2019s (HSA\u2019s) triple-tax advantage\u2014contribute (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\u2014all tax-free. Remember, an HSA is paired with the Medical Plan\u2019s HSA-Compatible PPO option.<\/li><li><span class=\"green-text\"><strong>Think through the potential tax savings of contributing to the Flexible Spending Accounts (FSAs):<\/strong><\/span> If you\u2019re a new hire, note that any amount you may have contributed to an FSA since January 1, 2026 (prior to your employment with MDLZ) 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, 2027.<\/li><li><span class=\"green-text\"><strong>Consider whether additional disability, life, and accident protection makes sense for you:<\/strong><\/span> Understand what coverages you automatically receive from MDLZ, and the options you have to purchase additional coverages. You also have the option of having MDLZ pay the cost of Long Term Disability (LTD) coverage (making the LTD benefit taxable to you if you become disabled). If you\u2019re 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.<\/li><li><span class=\"green-text\"><strong>Don\u2019t wait to start thinking about your financial well-being and future financial security:<\/strong><\/span> The 401(k) Savings Plan can help you meet your goals. If you\u2019re a new hire, automatic enrollment applies at the time you\u2019re 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.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3092\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3092\" aria-controls=\"collapse3092\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> More<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3092\" role=\"region\" aria-labelledby=\"ea-header-3092\"> <div class=\"ea-body\"><p><span class=\"brown-text\"><strong>Enroll during new hire or Annual Enrollment: <\/strong><\/span><\/p><ul><li><span class=\"brown-text\"><strong>Critical Illness Insurance:<\/strong><\/span> Provides additional financial assistance when you or a covered family member are diagnosed with a covered illness or condition (i.e., cancer, heart attack, or stroke).<\/li><li><span class=\"brown-text\"><strong>Group Legal Services Plan:<\/strong><\/span> Offers assistance for a variety of covered legal matters, including wills and estate planning.<\/li><\/ul><p>&nbsp;<\/p><p><span class=\"brown-text\"><strong>Participate any time throughout the year:<\/strong><\/span><\/p><ul><li><span class=\"brown-text\"><strong>Pet Insurance:<\/strong><\/span> Helps cover certain costs related to your pet\u2019s injuries and illnesses.<\/li><li><span class=\"brown-text\"><strong>Commuter Benefits Program:<\/strong><\/span> Enables you to pay for your eligible transit and parking expenses commuting to and from work\u2014tax free.<\/li><li><span class=\"brown-text\"><strong>Cool Perks:<\/strong><\/span> 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.<\/li><li><span class=\"brown-text\"><strong>Discount Program:<\/strong><\/span> Offers exclusive discounts on everyday products and services through PlumBenefits.<\/li><li><span class=\"brown-text\"><strong>Child Care Discounts:<\/strong><\/span> Offers discounted rates for full-time, part-time, and drop-in care at a U.S. KinderCare center or Champions location.<\/li><\/ul><p>&nbsp;<\/p><p><span class=\"brown-text\"><strong>Key points to keep in mind:<\/strong><\/span><\/p><ul><li><span class=\"brown-text\"><strong>Have you considered the added financial protection from Critical Illness? <\/strong><\/span>How about the ways you might take advantage of other voluntary coverages such as services through the Group Legal Services Plan? If you have a pet, don't forget there\u2019s Pet Insurance available for your pet's health too.<\/li><li><span class=\"brown-text\"><strong>Other Programs:<\/strong><\/span> Don\u2019t forget the variety of other Programs and Policies that are in place to help support <span class=\"purple-text\"><strong>The Right You<\/strong><\/span>. 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.<\/li><li><span class=\"brown-text\"><strong>The <\/strong><a href=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/contact-info-and-apps\/\"><span class=\"blue-text\">Contact Info &amp; Apps page<\/span><\/a><strong> includes how to access the websites for each of the above carriers\/benefit vendors<\/strong><\/span>\u2014where 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 <a href=\"https:\/\/mdlz.service-now.com\/hrportal\" target=\"_blank\" rel=\"noopener\">Employee Center<\/a> (these can vary across MDLZ).<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3093\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3093\" aria-controls=\"collapse3093\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> The Right You<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3093\" role=\"region\" aria-labelledby=\"ea-header-3093\"> <div class=\"ea-body\"><p>Key points to keep in mind:<\/p><ul><li><span class=\"purple-text\"><strong>Consider using the well-being tools and resources<\/strong>:\u00a0<strong>The Right You's<\/strong><\/span> initiatives are designed to support all three pillars of well-being\u2014<span class=\"blue-text\"><strong>Mind<\/strong><\/span>,\u00a0<span class=\"red-text\"><strong>Body<\/strong><\/span>, and\u00a0<span class=\"green-text\"><strong>Connection<\/strong><\/span>.<\/li><li><span class=\"purple-text\"><strong>Lean on the support available through the Employee Assistance Program (EAP)<\/strong><\/span>: There are a variety of support resources the EAP provides to help you balance family, work, and personal needs.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3094\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3094\" aria-controls=\"collapse3094\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Additional<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3094\" role=\"region\" aria-labelledby=\"ea-header-3094\"> <div class=\"ea-body\"><ul><li><span class=\"red-text\"><strong>Eligibility and coverage:<\/strong><\/span>\u00a0To confirm your eligibility and the coverage options available to you, go to\u00a0<a href=\"https:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a>.<\/li><li><span class=\"red-text\"><strong>Dependent verification:<\/strong><\/span> You\u2019re responsible for ensuring that each dependent you enroll for coverages through MDLZ (i.e., medical, dental, and\/or vision coverage) meets eligibility requirements at all times. The \u201cYour Guide to the Mondel\u0113z Global LLC Group Benefits Plan\u201d details dependent eligibility (access the Guide in the <em>Reference Center <\/em>on\u00a0<a href=\"https:\/\/mdlzmybenefitsonline.com\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a>).<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-content\/uploads\/sites\/4\/2024\/06\/Decision-To-Support-You-Icon.png\" alt=\"Decision-To-Support-You-Icon\" itemprop=\"image\" height=\"157\" width=\"213\" title=\"Decision-To-Support-You-Icon\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\n","protected":false},"excerpt":{"rendered":"<div class=\"entry-summary\">\n<div class=\"entry-summary\">\nDecide what will best support you When considering your coverage options, do&hellip;\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/decide-what-will-support-you\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Decide What Will Best Support You&rdquo;<\/span>&hellip;<\/a><\/div>\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/decide-what-will-support-you\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Decide What Will Best Support You&rdquo;<\/span>&hellip;<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template\/_fullwidth.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-283","page","type-page","status-publish","hentry","entry"],"acf":[],"_links":{"self":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages\/283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/comments?post=283"}],"version-history":[{"count":7,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages\/283\/revisions"}],"predecessor-version":[{"id":2260,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages\/283\/revisions\/2260"}],"wp:attachment":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/media?parent=283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}