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How to Make Your Elections.

Health and Welfare Coverages

MyBenefits Online is your go-to resource for electing and making any necessary changes to your health and welfare coverages. You can access MyBenefits Online 24/7. If you’re new to MyBenefits Online, here’s how to access and register your account.

Connect directly by going to mdlzmybenefitsonline.com:
- Click Register under Don’t have an account?
- Set up your username, password, and security questions.
Log in using your new credentials.

Once you’re logged in, click Start Here at the top of the home page and follow the prompts to enroll (if you’re making coverage elections). Or, select the “I Want To …” drop down and follow the appropriate prompts.

Key Features of MyBenefits Online

Sofia: Your virtual benefits assistant. Sofia is always available and uses artificial intelligence to answer your benefit-related questions.
The “Need Help Choosing?” Tool: Not sure which coverages are a good fit for you and your family? By answering a few questions, this tool can help you find the best fit for your unique coverage needs. Results are based on your answers (which are completely confidential).
Message Center (top navigation): Here you’ll find any important tasks that you need to complete throughout the year.
Profile (home page tile): This area includes all personal information on file about you and your dependents.
Benefit Summary (home page tile): This is an online summary of your current health and welfare coverages. You’ll want to be sure to review this summary after you enroll and then during the year if you want to review your coverage elections.
Benefits Information: If you want to learn more about the MDLZ-sponsored coverages that are available to you, select the “Benefits Information” drop down for more details.
Reference Center (top navigation): Here you’ll find detailed benefit summaries, comparisons, and legally required documents—such as the “Your Guide to the Mondelēz Global LLC Group Benefits Plan,” Summary Plan Descriptions (SPDs), and any Summary of Material Modifications (SMMS) to those SPDs. Paper versions of these documents are also available, free of charge, by contacting the Mondelēz International Benefits Center.

The MyChoice Benefits App

This app connects you to the mobile version of your MyBenefits Online account, putting your health and welfare coverage information in the palm of your hand. Here’s how to download the app:

From MyBenefits Online: Once you’re logged in, select Access the App from the MyBenefits Online home page. Then, simply scan the QR code with your mobile device (the code is unique to you so don’t share).
From the Apple App Store or Google Play: Download the app and simply enter the login information that you created when you registered your account on MyBenefits Online.

Questions, or to Elect or Change Coverages by Phone

If you have any questions or want to elect/change your coverages by phone, call the Mondelēz International Benefits Center at 1-800-887-8807 (Option 1 – Benefits; Option 1 – Health & Welfare Benefits). Representatives are available Monday through Friday, 7:00 a.m. to 6:00 p.m. (Central Time).

Coordination of Coverages

When deciding whether to enroll in a coverage option under the Mondelēz Global Medical Plan (Medical Plan), remember:

The Medical Plan coordinates benefits with other plans that may cover you and/or your covered family members. This helps prevent duplication of benefits for the same services. So, if you elect employee plus one or more dependents under the Medical Plan and your spouse or domestic partner elect family coverage under his or her employer’s plan, the Medical Plan generally coordinates benefits as follows:
- The Medical Plan is “primary” for you.
- The Medical Plan is “secondary” for your spouse or domestic partner.
- If you and your spouse cover your dependent children under both of your plans, primary coverage for the children will generally be provided by the plan of the parent with the birth date earlier in the year.
Having other coverage may impact your eligibility to open an HSA if you enroll in the $2,000 or $3,500 Deductible option.

401(k) Savings Plan

You can make your elections:

Online: Access the Fidelity NetBenefits® website at netbenefits.com.
By Phone: For personal assistance or to reach Fidelity via the Mondelēz International Retirement and Savings Plan Center, call 1-866-612-4582. Representatives are available Monday through Friday, 7:30 a.m. to 7:30 p.m. (Central Time).

When you can change your elections

The following rules apply:

The coverage elections you make generally continue through December 31 of each year. During the year, you can change most coverage elections only if you experience a qualified life event. See MyBenefits Online for details regarding qualified life events.
You may start, increase, decrease, or stop your Health Savings Account (HSA) contribution election at any time during the year by going to MyBenefits Online (with the election taking effect prospectively at Fidelity Investments^®—the service provider for your Fidelity HSA^®).
You may change your 401(k) Savings Plan contribution and investment elections at any time. Log on to the NetBenefits website to make changes to your contribution rate, or to change your current and future investment elections.

	2025	NEW for 2026
When the Medical Plan Begins to Pay:	$500 Deductible: Immediately $2,000 and $3,500 Deductible: After you satisfy your deductible	All Coverage Options: After you satisfy your deductible
Retail Pharmacy (up to a 30-day supply)
Non-Preventive Drugs	You Pay	You Pay
Generic Drugs	$10 copay	$15 copay
Preferred Brand Drugs	30% (after $25 min/$75 max copay)	30% (after $35 min/$85 max copay)
Non-Preferred Brand Drugs	40% (after $50 min/$100 max copay)	40% (after $60 min/$110 max copay)
Mail Order or CVS Retail Pharmacy (up to a 90-day supply)
Non-Preventive Drugs	You Pay	You Pay
Generic Drugs	$25 copay	$37.50 copay
Preferred Brand Drugs	30% (after $62.50 min/$187.50 max copay)	30% (after $87.50 min/$212.50 max copay)
Non-Preferred Brand Drugs	40% (after $125 min/$250 max copay)	40% (after $150 min/$275 max copay)
Note: Out-of-network prescription drug services aren’t covered

	2025		NEW for 2026
Out-of-Pocket Maximums*	$500 Deductible Option		$750 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$3,000	$6,000	$3,250	$6,500
Family	$6,000	$12,000	$6,500	$13,000
* Includes deductible

	2025		NEW for 2026
Out-of-Pocket Maximums*	$2,000 Deductible Option		$2,250 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$4,000	$8,000	$4,250	$8,500
Family	$8,000	$16,000	$8,500	$17,000
* Includes deductible

	2025		SAME for 2026
Out-of-Pocket Maximums*	$3,500 Deductible Option		$3,500 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$7,000	$14,000	$7,000	$14,000
Family	$14,000	$28,000	$14,000	$28,000
* Includes deductible

	2025		NEW for 2026
Deductibles	$500 Deductible Option		$750 Deductible Option
Deductibles	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$500	$1,000	$750	$1,500
Family	$1,000	$2,000	$1,500	$3,000