![]() |
![]() |
Monday, October 16 Annual Enrollment Begins |
![]() |
![]() |
Friday, October 27 Annual Enrollment Closes |
Benefits Coverage runs from January 1, 2024 - December 31, 2024
IMPORTANT! 2024 Annual Enrollment is PASSIVE.
If you do not make any benefit elections during the Annual Enrollment period, your 2023 benefits will roll over to the new plan year, except for your Flexible Spending Account (FSA) and Health Savings Account (HSA), which require a new election for 2024.
Just because Annual Enrollment is passive does not mean you still shouldn't take the time to review your benefits for 2024. Your needs change every year and your benefits choices may too.
NEW! 2024 Benefit Changes & Enhancements
- HBC has made plan updates to copays, deductibles, and out-of-pocket amounts for the Cigna Medical Choice Plus (CDHP) and PPO Plan.
- Changes to the out-of-pocket amounts for Geisinger medical plans.
- Premium changes for all Cigna medical and dental plans.
- No change to vision plans.
- NEW! Voluntary benefits for Accident Insurance, Critical Illness, and Hospital Indemnity will be switching carriers to Cigna for a more dynamic experience with enhanced plans.
- Introducing Innerworld, a new virtual mental health solution that is free for all US Associates and their dependents.
Annual Enrollment Next Steps
- Review the 2024 benefit options to ensure they still meet the needs of you and your family.
- Re-enroll or enroll in the Health Savings Account (HSA) or Flexible Spending Account (FSA) for 2024.
- Verify your personal, dependent, and beneficiary information.
How to Enroll
- Online: Click the "Enroll Here!" button, at the top of this page. This will direct you to the HBC Benefits Portal which is available 24/7. You can log in and follow the prompts to complete your enrollment at your convenience.
- By Phone: Call the Benefit Service Center to speak with a Benefits Counselor. They will help you with benefit decisions and record your elections. 1-800-498-8705, weekdays from 8:30 a.m. to 7:00 p.m. (ET)
Cigna Medical Plan Premiums
Cigna Medical Plan Premiums - NOT in the Wilkes-Barre Distribution Center.
Non-Tobacco/Nicotine User Premiums | |||
Coverage Tier | Choice CDHP |
Choice Plus CDHP |
PPO |
Weekly Associate Only Associate + Spouse Associate + Children Family |
$21.11 $66.88 $45.84 $103.15 |
$34.72 $105.30 $72.54 $148.64 |
$51.19 $151.86 $113.72 $214.45 |
Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$45.74 $144.92 $99.32 $223.50 |
$75.23 $228.15 $157.18 $322.06 |
$110.91 $329.03 $246.40 $464.65 |
Tobacco/Nicotine User Premiums | |||
Coverage Tier | Choice CDHP |
Choice Plus CDHP |
PPO |
Weekly Associate Only Associate + Spouse Associate + Children Family |
$36.11 $81.88 $60.84 $118.15 |
$49.72 $120.30 $87.54 $163.64 |
$66.19 $166.86 $128.72 $229.45 |
Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$78.24 $177.42 $131.82 $256.00 |
$107.73 $260.65 $189.68 $354.56 |
$143.41 $361.53 $278.90 $497.15 |
Spousal Surcharge: If your spouse/domestic partner has access to coverage through their employer, and you choose to cover them on an HBC plan, you will incur a $25 surcharge on your weekly medical premium or $54.17 on your semi-monthly medical premium.
Geisinger Medical Plan Contributions
Non-Tobacco/Nicotine User Premiums | |||
Coverage Tier | CDHP Plus | Core HMO | Base HMO |
Weekly Associate Only Associate + Spouse Associate + Children Family |
$25.63 $85.78 $64.69 $104.64 |
$22.76 $77.65 $58.33 $94.17 |
$14.62 $48.99 $37.39 $59.18 |
Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$55.54 $185.85 $140.16 $226.72 |
$49.32 $168.24 $126.38 $204.04 |
$31.69 $106.15 $81.02 $128.22 |
Tobacco/Nicotine User Premiums | |||
Coverage Tier | CDHP Plus | Core HMO | Base HMO |
Weekly Associate Only Associate + Spouse Associate + Children Family |
$40.63 $100.78 $79.69 $119.64 |
$37.76 $92.65 $73.33 $109.17 |
$29.62 $63.99 $52.39 $74.18 |
Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$88.04 $218.35 $172.66 $259.22 |
$81.82 $200.74 $158.88 $236.54 |
$64.19 $138.65 $113.52 $160.72 |
Spousal Surcharge: If your spouse/domestic partner has access to coverage through their employer, and you choose to cover them on an HBC plan, you will incur a $25 surcharge on your weekly medical premium or $54.17 on your semi-monthly medical premium.
Dental Plan Contributions
Cigna Dental Premiums | |||
Coverage Tier | Core | Buy-Up | DHMO |
Weekly Associate Only Associate + Spouse Associate + Children Family |
$7.38 $14.63 $18.97 $24.76 |
$13.21 $26.26 $26.91 $44.52 |
$4.80 $8.92 $10.60 $16.36 |
Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$16.00 $31.69 $41.10 $53.65 |
$28.63 $56.89 $58.31 $96.47 |
$10.41 $19.34 $22.96 $35.46 |
Core and Buy-up use Total Cigna Dental DPPO network
DHMO uses Cigna Dental Care Network
Vision Plan Contributions
VSP Vision Premiums | ||
Coverage Tier | Core | Buy-Up |
Weekly Associate Only Associate + Spouse Associate + Children Family |
$1.40 $2.80 $2.99 $4.78 |
$2.64 $5.29 $5.65 $9.03 |
Semi-Monthly Associate Only Associate + Spouse Associate + Children Family |
$3.03 $6.06 $6.48 $10.36 |
$5.73 $11.46 $12.25 $19.57 |
Supplemental Term Life Insurance Contributions (Monthly)
Associate | Spouse | |||
Age Band | Tobacco/Nicotine User Premium Per $1,000 | Non-Tobacco/Nicotine User Premium Per $1,000 | Tobacco/Nicotine User Premium Per $1,000 | Non-Tobacco/Nicotine User Premium Per $1,00 |
<25 | $0.028 | $0.021 | $0.101 | $0.072 |
25-29 | $0.038 | $0.028 | $0.143 | $0.086 |
30-34 | $0.056 | $0.044 | $0.164 | $0.114 |
35-39 | $0.066 | $0.051 | $0.186 | $0.136 |
40-44 | $0.076 | $0.059 | $0.288 | $0.153 |
45-49 | $0.122 | $0.098 | $0.457 | $0.238 |
50-54 | $0.198 | $0.160 | $0.876 | $0.377 |
55-59 | $0.384 | $0.315 | $1.355 | $0.723 |
60-64 | $0.600 | $0.493 | $2.632 | $1.121 |
65-69 | $1.172 | $0.965 | $4.284 | $2.175 |
70+ | $1.913 | $1.576 | $4.284 | $3.539 |
Supplemental Associate AD&D Contributions (Monthly)
$0.016 per $1,000 benefit amount (post-tax) |
Supplemental Child Life Insurance Contributions (Monthly)
$5,000 benefit - $0.502 contribution |
$10,000 benefit - $1.00 contribution |
Permanent Life Insurance
Click here to view associate, spouse, and child Permanent Life Insurance premiums.
Long-Term Disability Contributions (Monthly)
Salaried Associates | ||
Core provided at no cost; Buy-up benefit contribution is $0.166 per $100 of covered monthly earnings | ||
Hourly Associates | ||
Age Band | Core | Buy-Up |
<25 | $0.046 | $0.110 |
25-29 | $0.059 | $0.142 |
30-34 | $0.113 | $0.271 |
35-39 | $0.177 | $0.425 |
40-44 | $0.263 | $0.634 |
45-49 | $0.355 | $0.855 |
50-54 | $0.491 | $1.179 |
55-59 | $0.521 | $1.253 |
60-64 | $0.550 | $1.320 |
65-69 | $0.571 | $1.378 |
70+ | $0.585 | $1.469 |
Accident Insurance Contributions (Monthly)
Associate Only | $6.49 |
Associate + Spouse | $11.08 |
Associate + Children | $11.90 |
Associate + Family | $16.50 |
Critical Illness Insurance Contributions (Monthly)
Associate Non-Tobacco/Nicotine Weekly Premiums | ||||||||
Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 |
0-29 | $2.14 | $4.27 | $6.41 | $8.54 | $10.68 | $12.81 | $3.74 | $17.08 |
30-39 | $3.27 | $6.54 | $9.81 | $13.08 | $16.35 | $19.62 | $5.72 | $26.16 |
40-49 | $6.63 | $13.26 | $19.89 | $26.52 | $33.15 | $39.78 | $11.60 | $53.04 |
50-59 | $11.67 | $23.34 | $35.01 | $46.68 | $58.35 | $70.02 | $20.42 | $93.36 |
60+ | $20.33 | $40.65 | $60.98 | $81.30 | $101.63 | $121.95 | $35.57 | $162.60 |
Spouse Non-Tobacco/Nicotine Weekly Premiums | ||||||||
Age | $2,500 | $5,000 | $7,500 | $10,000 | $12,500 | $15,000 | $17,500 | $20,000 |
0-29 | $1.07 | $2.14 | $3.20 | $4.27 | $5.34 | $6.41 | $7.47 | $8.54 |
30-39 | $1.64 | $3.27 | $4.91 | $6.54 | $8.18 | $9.81 | $11.45 | $13.08 |
40-49 | $3.32 | $6.63 | $9.95 | $13.26 | $16.58 | $19.89 | $23.21 | $26.52 |
50-59 | $5.84 | $11.67 | $17.51 | $23.34 | $29.18 | $35.01 | $40.85 | $46.68 |
60+ | $10.16 | $20.33 | $30.49 | $40.65 | $50.81 | $60.98 | $71.14 | $81.30 |
Associate Tobacco/Nicotine Weekly Premiums | ||||||||
Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 | $35,000 | $40,000 |
0-29 | $3.02 | $6.03 | $9.05 | $12.06 | $15.08 | $18.05 | $21.11 | $24.12 |
30-39 | $6.11 | $12.22 | $18.33 | $24.44 | $30.55 | $36.66 | $42.77 | $48.88 |
40-49 | $12.64 | $25.27 | $37.91 | $50.54 | $63.18 | $75.81 | $88.45 | $101.08 |
50-59 | $24.24 | $48.47 | $72.71 | $96.94 | $121.18 | $145.41 | $169.65 | $193.88 |
60+ | $43.58 | $87.15 | $130.73 | $174.30 | $217.88 | $261.45 | $305.03 | $348.60 |
Spouse Tobacco/Nicotine Weekly Premiums | ||||||||
Age | $2,500 | $5,000 | $7,500 | $10,000 | $12,500 | $15,000 | $17,500 | $20,000 |
0-29 | $1.51 | $3.02 | $4.52 | $6.03 | $7.54 | $9.05 | $10.55 | $12.06 |
30-39 | $3.06 | $6.11 | $9.17 | $12.22 | $15.28 | $18.33 | $21.39 | $24.44 |
40-49 | $6.32 | $12.64 | $18.95 | $25.27 | $31.59 | $37.91 | $44.22 | $50.54 |
50-59 | $12.12 | $24.24 | $36.35 | $48.47 | $60.59 | $72.21 | $84.82 | $96.94 |
60+ | $21.79 | $43.58 | $65.36 | $87.15 | $108.94 | $130.73 | $152.51 | $174.30 |
Hospital Indemnity Insurance Contributions (Monthly)
Associate Only | $17.68 |
Associate + Spouse | $35.55 |
Associate + Children | $28.10 |
Associate + Family | $45.97 |
Identity Theft
Identity Theft Premiums | ||
---|---|---|
Coverage Tier | Privacy Armor | Privacy Armor Plus |
Monthly | ||
Associate Only | $7.95 | $9.95 |
Associate + One or More | $13.95 | $17.95 |
Legal Coverage
MetLife Legal Premiums | |||||
Coverage Tier | Premium | ||||
Semi-Monthly | $7.75 | ||||
Monthly | $15.50 |
- Choice (CDHP) SBC
- Choice (CDHP) Benefit Summary
- Choice Plus (CDHP) SBC
- Choice Plus (CDHP) Benefit Summary
- PPO SBC
- PPO Benefit Summary
Geisinger Medical (Wilkes-Barre Distribution Center Associates Only)
- HMO Core SBC
- HMO Core Benefit Summary
- HMO Basic SBC
- HMO Basic Benefit Summary
- CDHP Plus SBC
- CHDP Plus Benefit Summary
Cigna Dental
- DPPO Core Plan Summary
- DPPO Core Plan Summary TX
- DPPO Core Plan Summary LA MS
- DPPO Buy-Up Plan Summary
- DPPO Buy-Up Plan Summary TX
- DPPO Buy-Up Plan Summary LA MS
- DHMO Plan Summary
Cigna Vision
Life and Accidental Death & Dismemberment
Reliance Disability
Accident Insurance: No one can protect you from unexpected accidents or injuries, but Cigna Accidental Injury insurance offers coverage that can help you bounce back.
- What It Is: A cash benefit paid directly to you when you face an unexpected, covered accident, such as an ankle sprain or arm fracture.
- Submit claims to Cigna by phone, email, fax, or mail
- Cigna pays a lump sum benefit directly to you
Critical Illness Insurance: Being diagnosed with a Critical Illness is hard enough, but you should not have to worry about how it impacts your finances as well. That’s why having Cigna Critical Illness insurance is so important.
- What It Is: A cash benefit paid directly to you when you are diagnosed with a covered illness, such as a heart attack or stroke.
- Submit claims to Cigna by phone, email, fax, or mail
- Cigna pays a lump sum benefit directly to you
Hospital Indemnity Insurance: A hospital stay can happen at any time, and it can be costly. Cigna Hospital Care can provide you and your loved ones with additional financial protection and can help cover these unexpected events – so you can focus on getting better.
- What It Is: A cash benefit paid directly to you when you experience a covered hospital stay for events such as an in-patient procedure or the birth of a child.
- Submit claims to Cigna by phone, email, fax, or mail
- Cigna pays a lump sum benefit directly to you
Make the most of your plan with these supplemental health solution benefits.
Each plan is provided with even more from Cigna's supplemental health solutions 'value add' programs. From health and wellness support to financial and legal needs, we can help with life’s everyday challenges. Cigna Supplemental Health Solutions offers a variety of programs that can provide you with resources, services and discounts to help you manage your unique concerns. This can help you save time, energy and money.
Filing a claim for any plan is easy!
Find out How to File a Claim Here.
Find out How to File a Claim for Wellness Incentive Benefits Here.
When the time comes to start considering Medicare, the options can be overwhelming. Should you continue HBC coverage or consider full Medicare benefits even if you choose to work? Cigna's Medicare Concierge Services can help eligible Associates navigate the health plans best for them - at no cost to you.
Medicare Options
- Medicare doesn't have to be confusing.
- Be informed about the many Medicare options that are available.
- Licensed Benefit Advisors can provide specific details on Medicare Advantage plans, Medicare Part D, drug plans and Medicare Part D, drug plans and Medicare Supplement plans (Medigap) so you can make a well-informed decision.
Although there is no need to make changes to your 401(k) elections during Annual Enrollment, it’s a great time to review your current contribution rates and investment elections. Keep in mind that any elections that you have at the end of this year will carry over to the New Year!
If you’d like to enroll or make changes to your contribution rate and/or investments, contact Bank of America Merrill at 1-888-335-8218 or view your account online at www.benefits.ml.com.
When completing your review don’t forget to verify that the current beneficiary information on file is correct!
As an HBC Associate, you have special access to enroll in the Bank of America Preferred Rewards program and receive Gold tier benefits, such as:
- A special bundle of no-fee banking services on qualified checking and savings accounts.
- Rate discounts on some of life’s big purchases
- Help to achieve financial goals through free financial education, available online or in person.
- Full suite of investment solutions from Merrill, including access to the people, tools, and personalized advice and guidance you may need to put your investing ideas into action.
For more information, visit the Banking and Investing Program for HBC webpage at www.promo.bankofamerica.com/BIP/#/hbc.
Starting October 16 through October 27, you can review your benefits and enroll. Once you feel well informed to make your 2024 elections, you can enroll by visiting the Benefits Portal by clicking the Enroll Here button at the top of this page. Please note that all passwords have been reset. Please follow the instructions on the page to login. If you need assistance with your enrollment, you can contact the Benefit Service Center at 1-800-498-8705, weekdays 8:30 am - 7:00 pm (ET).

Contact Us
Questions? Contact Benefit Service CenterPHONE 1-800-498-8705 |
||
HOURS 8:30am - 7:00pm ET |
||