What's New for 2025

We routinely evaluate the healthcare marketplace to ensure that the program is financially sustainable for both employees and Arkema. That’s why Aetna Pharmacy Benefits through its pharmacy benefit manager CVS Caremark will be the new prescription drug/Rx provider starting January 1, 2025. This change is part of our ongoing efforts to enhance the quality of healthcare services under our medical plans, and, because Aetna is owned by the CVS Health Corporation, a step toward streamlining your benefits experience.

CVS is a trusted and reputable provider in the pharmaceutical industry, known for their:

• Extensive network of pharmacies (includes all major retail pharmacies like Albertson’s, CVS, Duane Reade, Kroger, Rite Aid, Target, Walgreens, Walmart, and Wegman’s as well as select independent pharmacies). Most retail pharmacies in the U.S. participate in the CVS Caremark network;
• Convenient options such as home delivery and automatic prescription refills to further streamline your experience;
• Commitment to delivering high-quality care and personalized customer service; and,
• Compatibility with Aetna medical plans.

Aetna Pharmacy Benefits also offers cost-savings programs to replace those offered under our current prescription drug plan. For example, much like the current SaveonSP program, you can participate in the PrudentRx program, which helps you save money on specialty medications for certain conditions, including multiple sclerosis, cancer, and rheumatoid arthritis, depending on your medical plan election. In addition to the PrudentRx program, if you are prescribed a specialty medication, you will have access to an exclusive pharmacy, CVS Specialty. CVS Specialty can deliver your medications to your home, doctor’s office, a CVS Pharmacy or any place that you choose at no added cost. For additional savings, you can use RxSS which identifies costs savings opportunities for your prescriptions at no cost to you.

To ensure a smooth transition, your prescription records (and any medications with open refills and prior authorizations that are still valid) with Express Scripts will be automatically moved to Aetna Pharmacy through CVS Caremark on January 1, 2025. Additionally, Aetna Pharmacy offers convenient options such as home delivery and automatic prescription refills to further streamline your experience. If you are currently taking a GLP-1 drug (prescribed weight loss medication), you will continue to receive coverage through your medical/prescription drug plan in 2025. However, starting January 1, 2025, if you are enrolled in the CDHP and taking a GLP-1 drug, you will be subject to a deductible and coinsurance.

You will receive new ID cards (combined medical and prescription drug) in the mail. You can begin using your new ID card to fill your prescriptions starting January 1, 2025. You will receive more information about your prescription drug coverage in the mail in the upcoming weeks.

In December, you will receive a general letter from Aetna/CVS welcoming you to Aetna Pharmacy Benefits. If you or your enrolled dependents have active prescriptions, you will also receive a personalized letter addressing how you and your family are impacted by the change (including formulary changes, prior authorization requirements, etc.) and what support you can expect for specific situations such as:

• If you are taking a specialty drug that is filled with Express Scripts SaveonSP program, you will receive instructions on how to enroll in CVS’ PrudentRx Program.
• If you have a prescription with Express Scripts and you have remaining refills after 1/1/2025, Aetna Pharmacy will receive that information, and you will receive your next refill through Aetna Pharmacy.
• The list of drugs subject to prior authorization will change slightly but any existing prior authorizations you have will carryover until they expire. If you’re affected by this change in the future, you’ll be notified by Aetna Pharmacy.
• If you have a complex and rare condition, you will receive ongoing outreach from Aetna/CVS.

If you enroll in an Arkema medical plan for 2025, there will be a website available for you to check if your local pharmacy is in network, check the cost of your current prescriptions under Aetna Pharmacy, and review the list of medications on the Aetna Pharmacy formulary. You can expect additional communications from Arkema with details on timing, required actions, and support resources later in 2024. If you have additional questions related to this transition (e.g., costs, formulary, refills, etc.), you can contact the Aetna service team at 1-800-238-3488 or visit aetnaresource.com/n/Arkema-2025.

During Open Enrollment, you can enroll a same-sex or opposite-sex domestic partner (and qualifying children of domestic partners) in medical (including prescription drug coverage), dental, and vision coverage. You will also be able to include them in dependent life and AD&D insurance, supplemental health coverage, and other voluntary benefits. To be eligible for domestic partner coverage, you and your partner must meet the following requirements:

• Be at least 18 years of age and mentally competent to consent to the contact;
• Not legally married to or legally separated from anyone else nor have had another domestic partner within the prior 24 months;
• Intend to remain each other’s sole domestic partner indefinitely;
• Live together in the same principal residence for at least 12 months and intend to do so indefinitely;
• Be engaged in a committed relationship of mutual caring and support and are jointly responsible for each other’s common welfare and living expenses;
• Not be related by blood closer than would prohibit marriage in the state the employee lives in; and,
• Demonstrate your interdependence by at least 3 of the following:

─ Common ownership of real property (joint deed or mortgage agreement) or a common leasehold interest in policy;

─ Common ownership of a motor vehicle, Driver’s license or passport listing a common address;

─ Same automobile insurance policy, joint bank accounts or credit accounts; or

─ Designation as the primary beneficiary for life insurance or retirement benefits, or primary beneficiary designation under a partner’s will, or assignment of a durable property power of attorney or healthcare power of attorney.

If you are in a registered civil union, your civil union registration will be recognized just like a marriage certificate where your state recognizes it. Please designate your relationship as a domestic partnership and submit/upload your civil union registration as proof of dependent status to the Arkema Benefits Center.

See the domestic partner enrollment kit on the documents and resources page for additional details and a copy of the domestic partner affidavit to submit proof of your domestic partnership on the Arkema Benefits Center. You can also access a copy of the Declaration of Tax Status form on the documents and resources page.

We increased the number of acupuncture and physical therapy/speech therapy/occupational therapy appointments that are covered under your Arkema medical plan once you meet your deductible.

Acupuncture therapy: The limit has been increased from 15 visits per year to 30 visits per year;

Physical therapy/speech therapy/occupational therapy: The limit has increased from 60 visits per year to 90 visits per year.

Arkema will provide hearing aid coverage to employees and dependents enrolled in an Arkema medical plan. You can receive up to $1,500 per ear every 36 months for hearing aids and other related expenses. This applies to expenses incurred on and after January 1, 2025. Contact Aetna Member Services on the back of your ID card if you have additional questions.

Starting January 1, 2025, there will be an $150 emergency room copay for employees enrolled in the Aetna Choice POS II PPO Plan. If you go to the emergency room and are then admitted to the hospital rather than being treated in the emergency room, the $150 copay will be waived. The $150 copay will be in addition to any deductible and coinsurance applied to the ER visit.

Remember, if you have a minor illness or injury, make sure you consider all your options such as urgent care, virtual care, or your PCP, so you can get the right care at the most affordable cost. Explore the different care options at Care When You Need It.

Medical and prescription plan contributions will slightly increase in 2025. Please see the 2025 Rate Sheet for detailed information about your per pay period medical and prescription contributions.

The Well-being Matters program empowers Arkema employees and their spouses to prioritize their health and earn rewards doing it! This year, we’re making a few exciting updates:

We are increasing the number of activities you can choose to complete to earn points, including a Vision Screening Attestation worth 50 points and downloading and registering for Mind Companion (digital mental wellness tool) at www.resourcesforliving.com worth 50 points.

When you reach 500 additional points (2,500 points or above), you can donate to one of three charities (Habitat for Humanity, American Cancer Society, or Clean Water Fund) OR receive a $50 Amazon Gift Card.

Your Medical Plan Premium Reduction

Be sure to complete 2,000 points by November 1, 2024, to earn a $400 discount on your medical plan contributions for 2025. If you do not enroll in an Arkema medical plan but you earn 2,000 points, you can get $200 added to a paycheck in early 2025. If you were hired after June 1, 2024, you’ll automatically earn your discount for 2025 without earning points, though you may still earn points toward sweepstakes and an Amazon gift card or charity donation after you reach 2,000 points.

If you are adding a new spouse/domestic partner to your Arkema medical plan coverage, your spouse/domestic partner will automatically receive their $400 medical plan premium reduction for 2025. They will have to earn points in 2025 to earn a 2026 discount.

Learn more on the Well-being Matters page.

Orthodontia services for adults (19+) will now be covered up to lifetime maximum of $1,500 per covered individual for services provided by a orthodontist. This lifetime maximum applies to most services offered through an orthodontist, including services like Invisalign®. You must be enrolled in the Delta Dental PPO plan to be eligible for the adult orthodontia coverage. If you have already received $1,500 in orthodontic benefits as a dependent, you are not eligible for an additional $1,500 as an adult.

Dental plan contributions will slightly increase in 2025. Please see the 2025 Rate Sheet for detailed information about your per pay period dental contributions.

Arkema’s provider for virtual care will change from Teladoc to CVS Virtual Care in 2025. CVS Health Virtual Care is an effective, affordable, and convenient way to receive support for ongoing health issues and minor illnesses. CVS Health Virtual Care offers three separate services:

Virtual Primary Care allows you to select a primary care provider to see for ongoing health concerns and services, including annual wellness visits. CVS will send you a kit, so you can take a few basic health measures before your appointment. If needed, your virtual primary care physician (PCP) will refer you to a local in-network physician to be seen in person for any follow-up care.

CVS Virtual On-Demand Care is available 24/7 for acute issues like colds and fevers, dermatology concerns, and more, much like your current Teladoc benefits. You can also use On-Demand Care if your selected Virtual PCP is not available at a certain time.
Note: Teladoc will no longer be available as of January 1, 2025. CVS Virtual On-Demand Care is available for acute needs.

Virtual Mental Health Care, available through Aetna virtual care, will connect you to a licensed therapist to help you navigate mental health conditions like anxiety or depression, as well as stress and life transitions.

For those in the CDHP, once you meet your deductible, you will pay a $15 copay at the time of your virtual care appointment. For those in the PPO, the $15 copay will apply before the deductible. Learn more about CVS Virtual Care options at CVS.com/virtual-care.

WINFertility, a family-building program, will replace the infertility coverage currently available through Aetna and ESI and Arkema’s current adoption reimbursement benefit. WINFertility can provide a combined lifetime maximum of up to $25,000 in reimbursements for eligible expenses across fertility treatment, adoption, and surrogacy services to all benefits-eligible employees, regardless of medical plan election. For example, you could receive reimbursement for $15,000 for fertility treatment and $10,000 for adoption services. For more information on eligible expenses and available services, visit https://managed.winfertility.com/arkema/.

Fertility Coverage: If you are enrolled in an Arkema medical plan, WINFertility offers inclusive and personalized fertility care regardless of a medical diagnosis of infertility or marital status. WINFertility provides you and your family the following services:

─ Nurse care advocates and reproductive endocrinologists to support your diagnosis and treatment and navigate provider networks;

─A digital app with guides, articles, and webinars to help you make informed decisions; and,

─Affordable care at lower negotiated rates through the WINFertility network.

WINFertility is available to all benefits-eligible employees.

If you have questions, want to find a new fertility provider, or want to check if your current provider is within the WINFertility network, visit managed.winfertility.com/arkema or call 844-943-6166 (Monday – Friday, 9:00 a.m. – 9:00 p.m. EST).

To provide inclusive family planning support, WINFertility also provides reimbursement for eligible expenses related to adoption and surrogacy if you are enrolled in an Arkema medical plan election. Review the Adoption and Surrogacy Coverage Policy on the documents and resources page.

Your annual contribution to your HSA is limited by the annual IRS maximum on contributions. The 2025 limits are increasing to $4,300 for individual coverage and $8,550 for all other coverage levels. Remember, Arkema’s contribution counts toward your annual maximum contribution. See the chart below for details on how much you can contribute.

Note: If you will be age 55 or older at any time in 2025, you can contribute an extra $1,000.

Your annual contribution to your FSA is limited by the annual IRS maximum on contributions. The limit for the Health Care FSA and Limited FSA for 2025 will be $3,200.