Accidental Death and Dismemberment
Accidental Death and Dismemberment (AD&D) offers financial protection to you and/or your family in the event of an accident that results in your death, paralysis, loss of limbs, speech, hearing or more.
If you are considering enrolling in Supplemental AD&D, please take a look at the coverage that may be automatically provided to you by A-B and the Life and Accidental Death & Dismemberment Plan Booklet in the Benefits Portal.
Beneficiary
Individuals you designate to receive benefits in the event that anything should happen to you.
Learn more about how to update your beneficiaries.
Coinsurance
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Coinsurance is the amount you pay for covered health care after you meet your deductible. For example, if you're enrolled in the Basic Plan, have met your deductible and have an in-network physician office visit, the plan will pay 70% of the cost (which means you pay 30%).
Deductible
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
A deductible is the amount you must pay before the plan will pay benefits for most non-preventive care.
Domestic Partner
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
By meeting the domestic partner certification requirements, eligible individuals may cover certified domestic partners and eligible children of certified domestic partners as dependents under many of our benefits.
The definition of a Domestic Partner is available on the Benefits Portal's Resources page.
Wondering how to certify your domestic partner? The Certification form is available within the Benefits Portal on the My Family or My Dependents page after you try to add a domestic partner or re-enroll a domestic partner. When you're ready to upload your Domestic Partner documentation, click the Benefits Portal's Upload Domestic Partner Documentation link.
You can also request a copy of Anheuser-Busch’s Certification of Domestic Partnership form from the HR Service Center at 1-800-952-7522 or from HRServiceCenter@Anheuser-Busch.com.
Explanation of Benefits (EOB)
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
An EOB is a statement from your health insurance plan describing which costs will be covered by them for medical care or products you have received. An EOB is not a bill.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
An EOB is a statement from your health insurance plan describing which costs will be covered by them for medical care or products you have received. An EOB is not a bill.
Embedded Deductible/Out-of-Pocket Maximum
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
The Basic and Plus plans have embedded deductibles and out-of-pocket maximums; this means when any covered individual (employee or covered dependent) reaches the individual deductible or out-of-pocket maximum, coinsurance will begin to apply for that individual.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
An EOB is a statement from your health insurance plan describing which costs will be covered by them for medical care or products you have received. An EOB is not a bill.
Flex Credits
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Flex Credits are offered by A-B to reward eligible employees and spouses/domestic partners for participating in activities that positively impact their health (if they enroll in an A-B medical plan). Learn more about the AB Well Program here and find additional Flex Credit information in the Annual Enrollment guide, accessible within the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
An EOB is a statement from your health insurance plan describing which costs will be covered by them for medical care or products you have received. An EOB is not a bill.
Health Savings Accounts
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
HSAs are an amazing tool to help you save for retirement and/or save money when you spend on medical, dental or vision services. If you enroll in the Basic or Standard A-B Plans and you meet the eligibility requirements, you can enroll in an HSA anytime during the year.
At A-B, HSA accounts are offered through HealthEquity.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
An EOB is a statement from your health insurance plan describing which costs will be covered by them for medical care or products you have received. An EOB is not a bill.
Health Care Flexible Spending Accounts (HCFSAs)
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Healthcare FSAs are tax-advantaged accounts that let you use pre-tax dollars to pay for eligible medical expenses. You will have access to the full amount you contribute on January 1st for the Healthcare FSA and Limited FSA in HealthEquity's dashboard.
Healthcare FSAs are use-it-or-lose-it above the amount you are permitted to rollover to the next year by A-B, so plan to contribute an amount you will actually spend on services received before the end of the year.
Imputed Income
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Check your paycheck for IMP INC to confirm that your benefits are a valuable part of your Total Rewards from A-B.
IRS regulations require individuals to pay taxes on the value of some (non-wage) benefits provided by employers, which are taxed as imputed income. Benefits that are taxed as imputed income may include Flex Credits used to purchase post tax benefits, benefits for domestic partners and some Life Insurance benefits in excess of $50,000.
In-network providers
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
In-network doctors, hospitals, labs and other providers have a contract with our plan to provide discounted rates, so you typically pay less when you visit in-network providers.
Maintenance Medication
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Medications that are taken regularly to treat long-term conditions.
Out of Pocket Maximum
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
The most you are required to pay out-of-pocket for the plan year. If you reach this limit, the plan will pay 100% of your eligible expenses for the rest of the year.
Preventive Care
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
A preventive care appointment focuses on your current health and how to stay healthy. Preventive care is 100% covered by A-B's Cigna plans.
Did you receive a bill for your preventive care appointment?
If you ask your doctor about a new medical concern or get treatment for a condition, your doctor may bill your scheduled preventive care visit as an office visit, and the visit will not be 100% covered by A-B's medical plans (meaning you may have to pay as part of your deductible, copay or coinsurance).
If you believe your medical provider mistakenly billed your preventive care visit as an office visit, please contact your provider.
Prior Authorization
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Prior Authorizations are a process that a health plan may follow to determine if the medication prescribed to you is covered.
Spousal/Domestic Partner Other Coverage Refusal
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
We absolutely want to enable you to cover your chosen partner in an A-B medical plan. At the same time, we need to allocate the costs of your spouse or domestic partner coverage appropriately so we can continue to offer premium free options to eligible employees. That's why we offset the cost of adding a partner to medical coverage by adding an additional cost for employees whose spouse/domestic partner has medical coverage available through their own employer and they decline the other medical coverage/choose to be covered by an A-B medical plan instead. This is the spouse/domestic partner other coverage refusal surcharge.
To avoid the surcharge, consider having your spouse/domestic partner elect medical coverage through their own employer.
If your spouse/domestic partner does not have other medical coverage available to them (for example, if they are unemployed), you will not have to pay a surcharge when you add them to your A-B Medical plan.
You can find the spousal other coverage refusal cost in the Annual Enrollment guide that's available in the Benefits Portal.
True Family Deductible/Out-of-Pocket Maximum
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
A-B's Cigna Standard Plan has two tiers of deductibles and out-of-pocket maximums; Employee Only and All Others.
For employee only coverage, the employee's expenses are applied toward the individual deductible and out-of-pocket maximum.
If you enroll dependents in the Cigna Standard Plan, you will have a True Family deductible and out-of-pocket maximum, which means the full family deductible or out-of-pocket maximum can be met by either one covered individual or a combination of covered family members’ claims and expenses before coinsurance or the out-of-pocket maximum will apply.
Tobacco Surcharge
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
At A-B, we want to support you to be tobacco-free. If you or your spouse/domestic partner answer yes to the tobacco use question during the enrollment process, a pre-tax tobacco surcharge paycheck deduction will be added to the medical plan cost.
Quit Tobacco and Save with Quit For Life
If you or your covered spouse/domestic partner are a tobacco user, you can avoid the surcharge next year by registering with Quit For Life and completing 5 phone calls by December 31, 2024 to avoid the surcharge for 2025!
If you're eligible for Flex Credits...
If you completed the activities, when Annual Enrollment begins on November 1 (and before it ends on November 18), answer yes to the relevant question within the enrollment flow.
After you answer yes and enroll in an A-B Medical Plan, Flex Credits will appear at the end of the enrollment flow. Congrats, you significantly lowered your medical costs!
If you have a spouse or domestic partner, you (as the employee) will answer the questions for both yourself and your spouse/domestic partner.
If you didn't complete the activities, please select no. We're trusting you to self-certify.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
If you're eligible for AB Well Incentives...
After you complete the activities, please enter the Benefits Portal and submit an AB Well Activity Completion event. After submitting, your incentives will be issued within 2-3 weeks.
If you are Flex Credit eligible, during Annual Enrollment, you will answer questions (yes or no) to certify if you and/or your spouse/domestic partner completed the activities by the 10/31 deadline within the Benefits Portal (in the enrollment flow).
Answering the questions will activate 2024 Flex Credits in the Benefits Portal.
Timeline for Flex Credit eligible employees
More Resources
Key contacts
The value of prevention to improve your wellbeing
