Medical

Keep in mind:

• The way you pay: If, in the event you need medical care, you'd prefer to have lower medical contribution amounts but have higher cost-sharing amounts apply (i.e., deductible and coinsurance), consider a coverage option with a higher deductible—the $2,000 or $3,500 Deductible option under the Mondelēz Global Pre-65 Retiree and Long-Term Disability Medical Plan (the 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 $500 Deductible option.
• Where you get care: You can pay less in medical contributions if you select a coverage option with a smaller group of providers called a select network (if offered by a carrier in your area). If you prefer a larger selection of providers, consider an option with a broad network instead. In either case, 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 the carriers will cover your care, use their cost look-up tools on MyBenefits Online.
• Processes and standards vary by carrier: Two carriers may treat a covered service differently when making a benefit determination. As a result, how services are covered and what you may pay can vary across carriers. Also, carriers might adjust costs for certain services (for example, negotiated rates for certain covered services and telemedicine costs) from year to year. If you have questions about how a specific service is covered, contact the carrier directly.

You have the following options to pay for your coverage:

• Direct bill: You receive a monthly bill via email at the beginning of each month for the current month’s cost of coverage (if you don’t have an email on file, you receive your bill at your home address). For example, a bill is emailed to you at the beginning of January for the cost of your January coverage. This payment method automatically continues from year to year, with the amount updated to reflect your elections and their relative costs for the new year. Sign-up instructions for electronic payment are included with each invoice.
• Electronic payments from your bank account: Your cost for coverage is deducted from your bank account on the 5th of each month for the current month’s cost of coverage. The amount deducted in January is updated to reflect your elections and their relative costs for the new year.

If your required monthly payments aren't received when due, coverage for you and any enrolled family members ends as of your last payment date.

Key points to keep in mind:

• About an HSA: Even though an HSA isn't available to you through the Company, you may be able to open one on your own through a financial institution of your choice—provided you enroll in one of the HSA-eligible coverage options under the Plan ($2,000 or $3,500 Deductible option) and meet all other IRS eligibility requirements.
• 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 coverage meets the eligibility requirements at all times. The “Your Guide to the Mondelēz Global LLC Retiree Health and Life Benefits Plan” details dependent eligibility (access the Guide in the Reference Center on MyBenefits Online). You do need to provide proof of eligibility for any newly added dependent.