Quarterly Quick Bites:
Fall 2025 Edition

Bite-sized updates to keep you
connected with your benefits!

Follow-ups 2026—Annual Enrollment

Prepare to make the most of your benefits in 2026!

Annual Enrollment is a wrap—and your 2026 coverages go into effect on January 1. Here are a few things to do as you head into the new year:

New medical ID Cards? Watch your mailbox—your new ID cards should arrive in December. Generally, you can expect to receive a new ID card if you’re switching carriers and/or you’re covering different family members for 2026 (i.e., you enrolled a new dependent for coverage). A few specific items to note for these carriers:
- Aetna: Beginning in January, Aetna will have a new Service Center number. If you’ll be enrolled in a coverage option through Aetna for 2026, you'll automatically receive a new ID card with the new number.
- BCBS: If you're already enrolled and covering a new dependent for 2026, you'll only receive a new ID card for your newly covered dependent.
- Cigna: If you're covering a new dependent for 2026, you'll need to call Cigna to request a new ID card (or you can log in to your account on the Cigna website or app and access your ID card digitally). See the Contact Info & Apps section for how to reach Cigna.
- Kaiser: If you're already enrolled and covering a new dependent for 2026, you'll only receive a new ID card for your newly covered dependent.
Schedule your 2026 preventive care appointments early in the year to help kick-start your health goals.
Currently contributing to a Flexible Spending Account (FSA)? Don’t miss out! Be sure to use your 2025 Health Care FSA or Dependent Day Care FSA dollars—or you’ll lose what’s left in your FSA. You’ll have until March 31, 2026, to submit your claims for 2025 eligible expenses.
Contributing to a Health Savings Account (HSA) for 2026? You can start and/or change your contribution election anytime beginning January 1, even if you didn’t make a contribution election during Annual Enrollment. Remember: Contribution election changes only apply to future pay periods and aren’t retroactive.
Check your January paychecks. Make sure they correctly reflect deductions for your 2026 coverages. If they don’t, call 1-800-887-8807 and select the payroll option or open a ticket with payroll through the Employee Center.

With 2026 Annual Enrollment now in the rear-view mirror, it's time to map out a path for you and your family toward better health in 2026!

DOWNLOAD 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 from the Apple App Store or Google Play and simply enter the login information that you created when you registered your account on MyBenefits Online.

Get to know your extra health resources

As you head into 2026, explore how you might reduce your prescription drugs spend with Rx Savings Solutions (RxSS).* Get started at myrxss.com, download the RxSS mobile app from the Apple App Store or Google Play (here's how), or call 1-800-268-4476.

And, be sure to check out these additional Specialty Medical Solutions* to support your unique care needs (at no additional cost)—Hinge Health for joint and muscle pain; Progyny for fertility and family-building support; and Vida Health for managing diabetes, weight, and more.

* As long as you’re enrolled in the Mondelēz Global Medical Plan, RxSS works with your prescription drug coverage through CVS Caremark at no additional cost. The Specialty Medical Solutions are available if you’re enrolled in coverage through Aetna, BCBS, or Cigna.

Money Bites

Catching up on catch-up contributions

Did you know … A new Roth catch-up rule, mandated by the SECURE 2.0 Act, takes effect on January 1, 2026. And, because the 401(k) Savings Plan allows for catch-up contributions, this new rule applies for certain 401(k) Savings Plan participants.

Does it apply to me?
The new Roth catch-up rule applies to you only if:

You’ll be age 50 or older in 2026; and
You earned more than $150,000* in taxable wages for the 2025 calendar year—the value in Box 3 of your 2025 W-2 is more than $150,000.

*Indexed annually (in addition, these wages are those defined in Section 3121(a) of the Internal Revenue Code, which are subject to FICA)

HERE’S WHAT’S HAPPENING BEGINNING JANUARY 1, 2026

If your FICA wages were more than $150,000 in 2025 and you’ll be age 50 or older in 2026, you’ll continue to be able to make catch-up contributions to your 401(k) Savings Plan account—but only on an after-tax Roth basis.

Historically, the 401(k) Savings Plan has allowed those age 50 and older to make catch-up contributions as before-tax and/or Roth. Beginning January 1, however, those who meet this new $150,000 wage threshold will only be able to make catch-up contributions as Roth.

Note: If you’ll be age 50 or older in 2026 but your taxable wages were $150,000 or less in 2025, you’ll continue to be able to make catch-up contributions on a before-tax and/or Roth basis.

WHAT DO YOU NEED TO DO?

If the new Roth catch-up rule will impact you beginning in January, now’s a great time to:

Talk to a financial or tax advisor to better understand how the new rule may impact your retirement savings strategy.
Log in to your 401(k) Savings Plan account via the NetBenefits website to review your current contribution and investment elections.

Note: If you do exceed the new $150,000 threshold, your 2025 catch-up contribution election will not rollover. Therefore, you’ll need to make a new election for 2026 if you want to make catch-up contributions to your 401(k) Savings Plan account.

Remember, you can make changes to your 401(k) Savings Plan elections at any time, with elections taking effect prospectively.

In January, if you’re eligible to make a catch-up contribution (i.e., age 50 or older in 2026), you can expect to receive a targeted communication from Fidelity. Your targeted communication will provide all the information you'll need if you want to make a Roth catch-up contribution election.

If you have questions, call the Mondelēz International Retirement and Savings Plan Center at 1-800-612-4582. Representatives are available Monday through Friday, 7:30 a.m. to 7:30 p.m. (Central Time). You can also access your 401(k) Savings Plan account information any time via the NetBenefits website with the button below.

NetBenefits Website >

higher Catch-up limit

Another key provision under the SECURE 2.0 Act is a new higher catch-up limit. It will enable certain employees to increase their catch-up contributions to the 401(k) Savings Plan beginning January 1, 2026.

Does it apply to me?
You’ll be able to make higher catch-up contributions to your 401(k) Savings Plan account if you’ll be age 60 to 63 at the end of 2026. The higher catch-up contribution limit will only be available during the calendar years in which you turn ages 60, 61, 62, or 63. So, for example, if you turn age 64 in March of 2026, you won’t be able to take advantage of higher catch-up contributions during the 2026 calendar year. If eligible, don’t miss out on this opportunity to boost your retirement savings!

HERE’S WHAT’S HAPPENING BEGINNING JANUARY 1, 2026

WHAT DO YOU NEED TO DO?

If you’ll be eligible to contribute higher catch-up contributions beginning in January, now’s a great time to:

Talk to a financial or tax advisor to better understand how the higher catch-up contribution limit may impact your retirement savings strategy.
Log in to your 401(k) Savings Plan account via the NetBenefits website to review your current contribution and investment elections.
Make any updates you think you need to better align your retirement savings strategy with the higher catch-up contribution limit effective January 1.

In January, you can expect to receive a more targeted communication from Fidelity with all the information you'll need to take any next steps.

If you have questions, call the Mondelēz International Retirement and Savings Plan Center at 1-800-612-4582. And, access your 401(k) Savings Plan account information any time via the NetBenefits website with the button below.

NetBenefits Website >

Women talk money fall event series

If you missed Fidelity’s Women Talk Money three-part series, you can access any of the recorded sessions here:

Watch the replays >

The series took place throughout October and November and featured Wicked sensation star Cynthia Erivo and icon Brooke Shields. Tune in to the replay (as it becomes available) to hear what each had to say about saving, investing, and career lessons learned!

Well-Being & More

Supporting the demands of caregiving

Are you caring for a loved one with a disability or chronic illness? Or, maybe you’re caring for a parent who’s navigating the aging process. If so, you may be feeling overwhelmed. Caregiver stress is real and can take its toll on you in several ways—physically and emotionally. So, how are you caring for YOU?

Magellan Healthcare—the administrator of our Employee Assistance Program (EAP)—is here to help and provides support for caregivers.

WHAT'S CAREGIVER STRESS?

TIPS ... HOW TO CARE FOR YOU

Take advantage of Magellan’s Work-Life Services: Parenting and Child Care Support program. It can help you better manage as you care for an aging parent, navigate options for childcare services, and balance partnership dynamics during demanding life stages. With Magellan’s support, you can better handle caregiving responsibilities while balancing your own well-being at the same time.

Here are a few quick tips to care for yourself while you’re caregiving for others:

Get connected, locally. Learn about the caregiving resources in your local area.
Join a support group, where they share ideas for how to navigate caregiving issues—some of which you too may be facing.
Seek social support, including staying connected with supportive family and friends.
Ask for and accept help.
Focus on what you can do, no one is a perfect caregiver. Believe in yourself and know that you’re doing the best you can.
Set obtainable goals and decline requests that you find are draining.
Take care of your own health. Stay current on your health screenings; vaccines; and find ways to move more, sleep better, and eat better in between caring for others.

If you don’t care for yourself first, you won’t be able to care for those counting on you.

Remember, confidential assistance is available any time by calling Magellan at 1-800-327-4581. You can also access the Magellan Healthcare website with the button below.

Get Started >

And, be sure to check out the caregiving-related webinars sponsored by Magellan in November. Go to the EAP page for registration details.

Looking for a past edition of Quarterly Quick Bites? Use the links below!
First Edition - February 2025
Spring Edition - May 2025
Summer Edition - August 2025

	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
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

	2025		NEW for 2026
Deductibles	$2,000 Deductible Option		$2,250 Deductible Option
Deductibles	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$2,000	$4,000	$2,250	$4,500
Family	$4,000	$8,000	$4,500	$9,000

	2025		SAME for 2026
Deductibles	$3,500 Deductible Option		$3,500 Deductible Option
Deductibles	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$3,500	$7,000	$3,500	$7,000
Family	$7,000	$14,000	$7,000	$14,000

	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

Quarterly Quick Bites:
Fall 2025 Edition

Prepare to make the most of your benefits in 2026!

Get to know your extra health resources

Money Bites

Catching up on catch-up contributions

higher Catch-up limit

Women talk money fall event series

Well-Being & More

Supporting the demands of caregiving

SNAPSHOT - HOW PRESCRIPTION DRUG COPAYS AND MIN/MAX COINSURANCE LIMITS WILL CHANGE

SNAPSHOT – HOW DEDUCTIBLES WILL CHANGE

SNAPSHOT – HOW OUT-OF-POCKET MAXIMUMS WILL CHANGE

Quarterly Quick Bites: Fall 2025 Edition

Prepare to make the most of your benefits in 2026!

Get to know your extra health resources

Money Bites

Catching up on catch-up contributions

higher Catch-up limit

Women talk money fall event series

Well-Being & More

Supporting the demands of caregiving

Quarterly Quick Bites:
Fall 2025 Edition