{"id":283,"date":"2024-06-05T13:43:30","date_gmt":"2024-06-05T13:43:30","guid":{"rendered":"https:\/\/mdlzbmr.com\/pre65retiree\/?page_id=283"},"modified":"2026-03-02T16:55:43","modified_gmt":"2026-03-02T16:55:43","slug":"decide-what-will-support-you","status":"publish","type":"page","link":"https:\/\/mdlzbmr.com\/pre65retiree\/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\tIt&#8217;s important that the coverage elections you make best support you\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> If, in the event you need medical care, you'd prefer to have lower contribution amounts but have higher cost-sharing amounts apply (i.e., deductible and coinsurance), consider the $2,250 or $3,500 Deductible option under the Mondel\u0113z Global Pre-65 Retiree and Long-Term Disability Medical Plan (the Pre-65 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 $750 Deductible option.<\/li><li><span class=\"blue-text\"><strong>Where you get care:<\/strong><\/span> You can pay less in contributions if you select a coverage option with a smaller group of providers called a <em>select network<\/em>\u00a0(if offered by a carrier in your area). If you prefer a larger selection of providers, consider an option with a\u00a0<em>broad network<\/em>\u00a0instead. In either case, 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\u00a0<a href=\"http:\/\/www.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>\u00a0Consider 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\u00a0<a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>.<\/li><li><span class=\"blue-text\"><strong>Processes and standards vary by carrier:\u00a0<\/strong><\/span>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.<\/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> Paying for coverage<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3091\" role=\"region\" aria-labelledby=\"ea-header-3091\"> <div class=\"ea-body\"><p>You have the following options to pay for your coverage:<\/p><ul><li><span class=\"green-text\"><strong>Direct bill<\/strong><\/span>: You receive a monthly bill via email at the beginning of each month for the current month\u2019s cost of coverage (if you don\u2019t 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.<\/li><li><span class=\"green-text\"><strong>Electronic payments from your bank account<\/strong><\/span>: Your cost for coverage is deducted from your bank account on the 5th of each month for the current month\u2019s cost of coverage. The amount deducted in January is updated to reflect your elections and their relative costs for the new year.<\/li><\/ul><p>If your required monthly payments aren't received by the end of the month, coverage for you and any enrolled family members ends as of your last payment date.<\/p><\/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> Additional<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3092\" role=\"region\" aria-labelledby=\"ea-header-3092\"> <div class=\"ea-body\"><p>Key points to keep in mind:<\/p><ul><li><span class=\"brown-text\"><strong>About an HSA:\u00a0<\/strong><\/span>Even though an HSA isn't available to you through MDLZ, you may be able to open one on your own through a financial institution of your choice\u2014provided you enroll in one of the HSA-eligible coverage options under the Plan ($2,250 or $3,500 Deductible option) and meet all other IRS eligibility requirements.<\/li><li><span class=\"brown-text\"><strong>Eligibility and coverage:\u00a0<\/strong><\/span>To confirm your eligibility and the coverage options available to you, go to\u00a0<a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>.<\/li><li><span class=\"brown-text\"><strong>Dependent verification: <\/strong><\/span>You\u2019re responsible for ensuring that each dependent you enroll for coverage through MDLZ meets the eligibility requirements at all times. The \u201cYour Guide to the Mondel\u0113z Global LLC Retiree Health and Life Benefits Plan\u201d details dependent eligibility (access the Guide in the <em>Reference Center<\/em> on <a href=\"http:\/\/www.mdlzmybenefitsonline.com\/\" target=\"_blank\" rel=\"noopener\">MyBenefits Online<\/a>). You do need to provide proof of eligibility for any newly added dependent.<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/pre65retiree\/wp-content\/uploads\/sites\/6\/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 It&#8217;s important that the coverage elections&hellip;\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/pre65retiree\/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\/pre65retiree\/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\/pre65retiree\/wp-json\/wp\/v2\/pages\/283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/comments?post=283"}],"version-history":[{"count":9,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages\/283\/revisions"}],"predecessor-version":[{"id":1087,"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/pages\/283\/revisions\/1087"}],"wp:attachment":[{"href":"https:\/\/mdlzbmr.com\/pre65retiree\/wp-json\/wp\/v2\/media?parent=283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}