Open enrollment Oct. 24 - Nov. 7
We’re excited to have you on board, and one of the first steps in your journey with us is the new hire benefits enrollment process. This is where you’ll have the opportunity to select the benefits and coverages that suit your needs. We encourage you to spend some time looking through this guide so you can better understand all your options. We’re here to help you every step of the way and we want to ensure that you have access to everything you need to thrive in your new role. Your total well-being matters — we want you to be well, choose well and live well!
New Hire Enrollment Guide
View the guide
Welcome to Bread Financial — let’s get started!
Benefits for a happy, healthy life in 2024.
Get the most from your benefits throughout the year. Take advantage of all the programs, resources and perks noted throughout this guide designed to make your life easier. From finding the best care to saving time and money, you’ll be able to focus on what matters most to you.
Live well.
Be well.
Choose well.
Benefits are personal, and your needs can vary from year to year. We want you to feel confident in your choices and spend your money thoughtfully. Use this guide to familiarize yourself with your options and costs and decide what fits best with your unique needs.
Our benefits are designed to help you feel your best and foster a culture of wellness. We offer a wide variety of benefits and programs to support the health and well-being of you and your family in all areas of your lives.
Be well
Enroll now
Live well
Benefits at a glance
Automatically enrolled
Enroll anytime
Benefits highlights
Benefits checklist
Watch and learn
Medical/ prescription Dental Vision Health care and limited purpose flexible spending account (FSA) Dependent care FSA Commuter account Critical illness insurance Accident insurance Hospital indemnity insurance Optional life Optional AD&D Optional long-term disability buy-up Prepaid legal Identity theft protection
You must enroll in these benefits during Open Enrollment from Oct. 24-Nov. 07:
Virtual Primary and Urgent Care – Included Health Diabetes and Hypertension Support - Livongo Advocacy and Provider Match - Included Health Fertility Support - Progyny Virtual Musculoskeletal Support - Hinge Health
These extra benefits are available to you if you are enrolled in a Bread Financial Medical plan:
Key benefits highlights
Medical
You have three plans to choose from: the Health Savings Account (HSA), the Health Reimbursement Arrangement (HRA) and the Preferred Provider Organization (PPO) Plan.
You have the flexibility to select health care providers from the Aetna network of doctors for all medical plans.
Care advocacy and navigation
Telemedicine
Prescription
Dental
Spending accounts
Prepaid legal
As you explore your benefits, take your time reviewing your available options and considering your needs and priorities for the year ahead. Use this checklist to keep track of your decisions and refer to it once you’re ready to enroll.
View checklist
Find short videos to learn more about your medical, dental, vision, HSA, FSAs and more.
Basic life Basic accidental death & dismemberment (AD&D) Business travel accident Short-term disability Long-term disability Paid parental leave
The following benefits are provided automatically by Bread Financial at no cost to you:
Basic life insurance
Benefits provided to you
Benefits available to you anytime
Benefits you choose
2024 New Hire Enrollment Guide
Medical/prescription
If you're a full-time associate, you may elect these benefits to cover you and your family. You can choose what fits best for your life and budget. Benefits begin on your first day of employment. You only have 30 days from your hire date to make your elections.
These extra benefits are available to you if you’re enrolled in a Bread Financial medical plan:
Vision
Health care and limited purpose flexible spending account (FSA)
Dependent care FSA
Critical illness insurance
Accident insurance
Hospital indemnity insurance
Optional life insurance
Optional AD&D insurance
Optional buy-up long-term disability insurance
Identity theft protection
Virtual primary and urgent care — Included Health
Diabetes and hypertension support — Teladoc
Advocacy and provider match — Included Health
Fertility support — Progyny
Virtual musculoskeletal support — Hinge Health
Mental health support — Spring Health* Family and caregiving support — Bright Horizons* Surrogacy and adoption — Progyny* 401(k) plan — T. Rowe Price* Financial wellness solution — BrightPlan* Employee Stock Purchase Plan (ESPP)** Student loan repayment — Candidly* Tuition reimbursement — Edcor* Commuter Account — Via Benefits Auto and home insurance — MetLife* Pet insurance — MetLife* LivingWell Reward* Deals & Steals*
You can take advantage of these benefits at any time throughout the year, even if you aren't enrolled in a Bread Financial medical plan:
Choose well
Medical plan choices
Open Enrollment Oct. 24-Nov. 7
Family and caregiving
Back to top
Included Health is our provider for care advocacy and navigation and care coordinators are available to assist you 24/7. They can help provide the following services to you:
Finding a doctor or health care provider within the Aetna network.
Virtual primary care, urgent care and behavioral health offerings — just schedule an appointment on their app.
Dedicated care concierge for those in the LGBTQ+ and Black communities; helping members connect with high-quality, affirming providers who will advocate for them based on their specific needs.
Virtual primary care, urgent care and mental health support will be available through Included Health. Associates will have access to the Included Health mobile app for all their advocacy and virtual care needs.
CVS Caremark is our pharmacy carrier for prescription drug coverage.
MetLife is our partner for dental coverage.
Two dental plans available to choose from — PPO High and PPO Low Plan options.
Both plans have varying coverage details, including deductibles, benefit maximums and orthodontic coverage:
PPO High Plan: This plan offers orthodontic coverage for both adults and children.
An incentive benefit provision is included — each plan will increase your annual plan maximum by $500 the following year when you receive one exam and cleaning in the prior plan year.
You don’t need to present an ID card to your dentist. Your dental office can easily verify information about your coverage.
How the incentive provision works
Plan
Annual maximum benefit
Preventive care incentive
New annual maximum for qualifying members
MetLife dental Low Plan
MetLife dental High Plan
$1,500
$2,500
Members who receive one exam and cleaning in the previous year earn a $500 increase in their annual max (capped after one year)
2024: $1,500* 2025: $2,000* 2026: $2,000** 2027: $2,000 2028: $2,000
2024: $2,500* 2025: $3,000* 2026: $3,000** 2027: $3,000 2028: $3,000
*If a member doesn't meet the qualifying criteria in a given year, their annual maximum would stay the same as the prior year's amount. **Incentive provision is capped after one year. Note: Once the incentive is earned, you keep that additional amount regardless of which plan you're enrolled in.
Even if you're already enrolled in dental coverage, you should take this opportunity to evaluate your and your family's oral health needs to help avoid costly problems in the future.
Via Benefits is our administrator for Health Savings Accounts, flexible spending accounts (health care, dependent care, limited purpose) and Commuter Accounts.
MetLife is our vendor partner for prepaid legal coverage.
Cost per pay period: Basic prepaid legal plan — $8.31 Parents Plus plan — $10.62
Bright Horizons offers family and caregiving services for you and your family members.
View medical plan choices
Basic accidental death and dismemberment (AD&D) insurance
Business travel accident insurance
Short-term disability
Long-term disability
Paid parental leave
Expert medical opinion for you and your extended family (including your parents, in-laws, grandparents and adult children).
All three medical plans include prescription drug coverage.
The network includes all major chains and most independent pharmacies.
There is one single medical ID card that includes both medical and pharmacy benefits. Your ID cards will be mailed to you once you finalize and complete your enrollment. You can also print an ID card from the Included Health mobile app or simply call an Included Health care coordinator and they can send you one.
You must make contributions to your HSA in order to receive a Bread Financial match contribution.
Health Savings Account (HSA) — associate contributions
Home
Medical plan highlights
Overview
HSA
HRA
PPO
Prescription drugs
Health savings account
Flexible spending accounts
Commuter Accounts
Additional benefits
Life insurance and AD&D
Disability
Identity theft
Medical resources
Included Health
Livongo
Hinge Health
Progyny
Well-being resources
Spring Health
Bright Horizons
LivingWell
Financial wellness
Ready to enroll
Ready to enroll?
Legal notices
What's new
Download PDF version of guide
You’ll have access to mail order and CVS Caremark retail locations (including Target and Costco store locations) for maintenance medications.
Contact information
Video – What’s changing in 2024
Video – Included Health: A new kind of health care company
Video – Included Heath: LGBTQ+ and Black Communities
Video – CVS Caremark: Digital tools for you
Video – MetLife: Dental care is important
Video – VSP: Reasons to enroll for vision care
* Also available to part-time associates ** Can only enroll during the ESPP enrollment periods
Your doctor or provider should send health care claims to Meritain Health for processing.
Assistance with provider billing questions.
PPO Low Plan: This plan provides orthodontic coverage exclusively for children.
VSP is our provider for vision coverage.
One plan offering with low biweekly premiums — eyeglasses and contact lens coverage is available.
If you enroll in the HSA or HRA medical plan, you're 100% covered for annual vision exams, when you use an in-network provider. You can also use your HSA, HRA or FSA dollars for eyewear.
ID cards are not issued, which means you'll simply give your vision provider your personal information to access your coverage.
Critical illness, accident and hospital indemnity
Voya is our provider for voluntary benefits.
These supplemental medical insurance options can help fill gaps in your coverage, providing financial protection in specific circumstances.
Accident insurance provides a benefit in the event of an accident or injury.
Critical illness insurance provides a lump-sum benefit if diagnosed with a covered critical illness (e.g., cancer, heart attack, stroke). This benefit also includes a $50 wellness benefit if you get your wellness exam. Spouses and child(ren) can take advantage of this wellness benefit if they're enrolled in this coverage.
Hospital indemnity insurance pays a set amount of money for each day you’re hospitalized due to a covered illness (including pregnancy) or injury. It's designed to help with the costs associated with hospital stays that may not be fully covered by your insurance.
The Health Savings Account pairs with the HSA medical plan.
Bread Financial will contribute and match up to $800 for associate only and $1,300 for all other tier levels.
The IRS' maximum annual contribution to an HSA is $4,150 for individuals and $8,300 for families, which includes the Bread Financial match contributions.
The IRS’ maximum annual contribution to a limited purpose FSA is $3,200. You can use this FSA for dental and vision expenses, and after you meet the IRS Statutory deductible you can use it for medical expenses. You can roll over $640 to the next plan year if you re-enroll in the FSA the following year.
A health care flexible spending account pairs with the HRA and PPO medical plans, or even if you waive Bread Financial medical coverage.
The IRS’ maximum annual contribution to a health care FSA is $3,200.
You can roll over $640 to the next plan year if you re-enroll in the FSA the following year.
You can contribute to a dependent care FSA whether or not you’re enrolled in a Bread Financial medical plan.
You can contribute up to $5,000 per year (associates earning more than $150,000 annually can only contribute $2,000 per year).
Use a Commuter Account to set aside pre-tax dollars to pay for qualified transit (bus, train, subway) and parking (near work or at a park-n-ride) expenses associated with your commute to work.
The IRS' maximum monthly spending limit is $315 per month for both transit and parking.
Your debit card will be mailed to your home in an unmarked white envelope, which can be used for Health Savings Accounts, flexible spending accounts (health care and limited purpose) and Commuter Accounts.
You’ll have two options to choose from for the prepaid legal plan: associate base plan, and a buy-up plan to include parents.
Get convenient and cost-effective access to a network of qualified attorneys to help with planned — and unplanned — personal legal matters.
Back-up Care helps you find and pay for care for your dependent children and your elder relatives. You get 60 hours of back-up care each year at no cost to you.
Pet Care, Virtual Tutoring, and College Coach are services available to you.
A dedicated care concierge team serves as a single point of contact to help you manage all your family care and education needs.
Life and disability
Securian provides our life and accidental death and dismemberment (AD&D) offering.
Basic life, basic AD&D and business travel accident insurance are provided to you at no cost.
You can purchase optional life and AD&D coverages for you, your spouse and your child(ren).
Aflac administers our leave (FMLA), short-term and long-term disability and paid parental leave.
Short-term disability is provided at no cost to you.
You're eligible for short-term disability after 180 days from your full-time hire date and it begins after your eighth consecutive calendar day absence.
Company-paid basic long-term disability is provided to you at no cost. You can purchase additional buy-up coverage. This benefit begins after 26 weeks.
Paid parental leave offers six weeks of 100% pay for eligible new parents. This benefit can be used after your short-term disability ends or it can be used during the first 12 months after the baby’s arrival or adoption.
Video – Via Benefits: An overview of your spending accounts
Video – Spring Health: Your mental health matters
Video – Voya: How hospital indemnity insurance works for you
Video – MetLife: Your furry friend needs pet insurance too
Teladoc
Steps to enroll
Review coverage costs
FSA
Commuter Account
Get to know your medical plan choices
Consider the costs
You have three medical plan choices — the Health Savings Account (HSA) Plan, the Health Reimbursement Arrangement (HRA) Plan and the Preferred Provider Organization (PPO) Plan — and each offers something different. Scroll to learn more about the differences in these plans to help you decide which plan is best for you and your life.
Which medical plan is right for you?
Consider the following when selecting the best option for your 2024 needs.
What do the plans have in common?
All plans include:
Access to the same network of doctors and hospitals using the Aetna network
Coverage of the same medical services and prescription drugs (but how much you pay may differ)
Coverage for in- and out-of-network services (note that costs will be lower with in-network providers)
Access to additional health resources, including Teladoc, Included Health, Progyny and Hinge Health (Visit the Medical resources page to learn more)
In-network preventive care covered at 100%, such as annual exams and age-appropriate screenings
Protection from extreme medical costs with out-of-pocket maximums
Compare potential out-of-pocket costs (including deductibles, copays and coinsurance) under each medical plan to help guide your decision.
Compared to the other plans, the HSA generally has moderate paycheck contributions and out-of-pocket costs for care. You pay expenses up to the deductible (either out of pocket, or with money from your Health Savings Account (HSA), which Bread Financial contributes to). Then, coinsurance begins until you reach the out-of-pocket maximum.
HSA Plan
HRA Plan
Compared to the other plans, the HRA generally costs less in paycheck contributions but has higher out-of-pocket costs when you need care. Medical expenses are paid with the HRA that Bread Financial provides you first. Then, you pay your share of expenses up to the deductible. That’s when coinsurance begins until you reach the out-of-pocket maximum.
PPO Plan
Compared to the other plans, the PPO Plan generally has a higher paycheck contribution, but you pay less when you need care. Remember, you pay the premiums each paycheck, even if you never go to the doctor. With this plan, you pay copays for doctors’ visits, while other medical services require a deductible before coinsurance begins. Unlike the other plans, the PPO plan has a separate prescription (Rx) deductible.
Plan costs overview
Plan cost overview
Paycheck contributions
Medical deductible
Savings and tax savings account pairings
Money from Bread Financial
Health care needs
Up to $800
$500
None
Annual deductible
In-network
Out-of-network
$1,750
Out-of-pocket maximums**
$4,000
Unlimited
Associate
Associate + spouse/domestic partner or child(ren)
Family
Compare the costs
Here’s a look at your 2024 biweekly payroll deductions for each medical plan.
$39.61 per paycheck
$32.37 per paycheck
$136.25 per paycheck
$2,000
$750
$6,000
$5,500
This includes your deductible, copay and coinsurance for medical and prescriptions.
*Maximum Reimbursable Charge (MRC) applies to out-of-network charges for non-emergency services. When you receive out-of-network non-emergency medical care from a non-participating doctor or other health care professional, there’s a limit to the amount of money that will be reimbursed. **The HRA and PPO Plans include an individual out-of-pocket maximum within the family tiers. This means that for all tiers other than associate only, when any one individual family member reaches $8,500 for in-network claims, the plan pays for any claims over that amount for that individual family member. Once the total out-of-pocket maximum is met, then the plan will pay 100% of claims for all family members. For the HRA Plan, company contributions and out-of-pocket associate costs both count toward the in-network out-of-pocket maximum. Note: If you’re enrolled in an HRA or HSA Plan, your out-of-network claims apply to your in-network deductible and out-of-pocket maximums. If you’re enrolled in the PPO Plan, copays don’t apply toward your deductible, but do apply toward your out-of-pocket maximum.
Percentage shown is the amount Bread Financial covers unless noted differently.
Copays and coinsurance
100%
Preventive care
50%*
80%
$30 copay
Primary care office visit
90%
50%
Mental health visit
Specialist office visit
$50 copay
Urgent care
Emergency room
$350 copay
(Waived if admitted)
Hospitalization
0%
N/A
Annual vision exams
Most other services
*Maximum Reimbursable Charge (MRC) applies to out-of-network charges for non-emergency services. When you receive out-of-network non-emergency medical care from a non-participating doctor or other health care professional, there’s a limit to the amount of money that will be reimbursed.
View the paycheck contribution rates
Learn more
Read about prescription costs
Learn more about an HSA
Learn more about an HRA
Learn more about an PPO
Compare tax-savings accounts
We’re in this together. At Bread Financial, we make a significant investment in time and money to provide you with high-quality options. That’s why we we’re proud to contribute more than 80% toward your medical coverage, ensuring that our valued associates have access to top-notch health care without the heavy financial strain. Your total well-being matters, and together, we make health care more affordable and accessible for you and your family. Here’s a look at how you and Bread Financial share costs.
View medical plan highlights
The annual amount you pay before the plan starts to pay.
After your deductible is met, you share responsibility for payments with Bread Financial. For example, Bread Financial pays 80% of the allowable charges and you pay 20%.
The most amount of money you’ll have to pay out of your pocket each year for medical services (not including the premium).
A flat dollar amount you pay for certain covered services like doctors' visits.
This plan might be right for you if you use a low or moderate amount of health care through the year and/or you’re looking for new ways to save money for the short or long term (including retirement) with the tax advantages of an HSA.
This plan might be right for you if you anticipate some medical needs in 2024 and don’t have the funds to pay your entire deductible upfront. Your HRA dollars are available to help cover these expenses.
This plan might be right for you if you’re a high user of health care and prescription services, have a chronic condition or special need, or anticipate any major medical needs in 2024 (such as surgery).
Lowest
Highest
Moderate
Out-of-pocket maximum (associate-only coverage)
Pairs with an HSA, a bank account that lets you save tax-free dollars for current and future health care expenses. Bread Financial also contributes matching funds to the account each paycheck.
Use a limited purpose FSA for eligible dental and vision expenses (and medical after deductible has been met).
Comes with a Health Reimbursement Arrangement (HRA), allowing you to receive the full amount of Bread Financial’s contributions at one time.
A debit card will be issued to use when going to a provider and/or pharmacy for eligible expenses.
Doesn’t include an account.
Use a health care FSA to pay for eligible health care expenses with pre-tax dollars.
Associate:
Money from Bread FInancial
Associate + spouse/ domestic partner or child(ren):
Up to $1,300
Family:
$1,000
Deductible + copays + coinsurance = out-of-pocket maximum
1. You pay all
2. You pay copays or coinsurance, insurance pays rest
3. Insurance pays all
Deductible is met
Out-of-pocket max is met
You paid for health care expenses equal to the amount of the deductible
You paid for health care expenses equal to the out-of-pocket max
$166.24 per paycheck
$135.88 per paycheck
$413.36 per paycheck
This includes your deductible, copays and coinsurance for medical and prescriptions.
$8,000
$7,000
$3,500
$3,000
Associate + spouse/ domestic partner
Associate + child(ren)
$117.32 per paycheck
$95.90 per paycheck
$287.33 per paycheck
$189.84 per paycheck
$155.17 per paycheck
$464.87 per paycheck
$10,000
$8,500
$2,250
$4,500
Associates pay 18%
Bread Financial pays 82%
Telemedicine visit
Primary and urgent care visits
$59 copay
until deductible is met, then $11.80
$25 copay
Telemedicine mental health visit
through Included Health
$79-$119 copay
until deductible is met, then 10%
Psychologist
$99-$229 copay
Psychiatrist
This includes prescriptions for HSA and HRA plans
Use a health care FSA to pay for additional eligible health care expenses with pre-tax dollars.
Unsure which medical plan is right for you? This page provides additional information on the unique features of each plan type as well as the different tax-savings account(s) available with each medical plan. Remember, the medical plans are all available through Meritain (using the Aetna network) and cover the same medical services and prescription drugs. But how they work — and how you pay for care — differs. Explore this page to help you decide which plan is the best fit for you and your family.
How Meritain Health and Included Health work together to support you
When asked, “Who is your health insurance carrier?” simply reply your coverage is through Meritain Health, with the Aetna Choice® Point of Service (POS) II network. Included Health is also available every step of the way to help you navigate the health care system. Together, they work behind the scenes to ensure your best overall member experience. Here's how they partner for you:
Provides answers and information for your benefit-related questions
Processes your health care claims
Manages your provider network, Aetna Choice POS II
Can help you find a provider in your network
Helps you manage any chronic health conditions
CHOOSE WELL — Which plan is best for you?
These three sample scenarios model how different associates weighed their own situation to choose the right medical plan for them.
Covers her two children in a medical plan
Ava
48 years old
Has a chronic condition that requires regular specialist visits; her children require frequent health care as well (usually on weekends or during the night)
Considering
PPO Plan because she knows doctor visits only require copays and the low deductible means coinsurance will kick in sooner. She knows she’ll pay more from each paycheck for this coverage, but she’s comfortable with this planned expense.
Married and covers his husband
35 years old
Both Matt and his spouse are healthy, but each use their health care moderately for occasional specialist visits
Matt
HRA Plan because paycheck contributions and deductible are the lowest for spousal coverage, keeping their total costs low, and the company contributions help offset some of their specialist visits. But — they’re focused on the future, and like the idea of having another tax-free retirement savings option through the HSA. They’ll need to choose well and decide which option works best for them.
Single
25 years old
In good health; uses preventive care for annual checkups; rarely needs additional medical care
Oliver
HSA Plan because it has low paycheck contributions, the highest company matching contribution, and will allow him to save now to grow his funds long-term for use in the future when he may need them more.
Where you go for care matters. Knowing your options may help save you time and money. Remember, you must meet your deductible before your plan begins to pay. Most preventive care is covered at 100% when using an in-network provider, even before you meet your deductible.
Feeling unwell? How to choose the right service
Virtual visit (Included Health)
Primary care provider
Freestanding ER
Hospital ER
Receive care through your computer or mobile device 24/7 for minor illnesses and injuries, counseling and dermatology. Visit includedhealth.com/breadfinancial, call 855-229-0828 or download the mobile app.
Examples of health issues:
• allergies • eye, ear and mouth pain • fever • flu • minor headaches or pain • stress • urinary tract infection
Receive care for non-urgent illnesses and injuries, health screenings, vaccinations, travel health, physicals and women’s health, and specialist referrals. Build a relationship with a doctor who knows your health history. Includes virtual primary care visits. Visit includedhealth.com/breadfinancial, call 855-229-0828 or download the mobile app.
• allergies • bronchitis • chicken pox • digestive issues • ear and sinus infections • flu • general health screenings • strep throat • urinary tract infection • vaccinations
Receive care for urgent illnesses and injuries that aren’t life-threatening when your primary care doctor doesn’t have availability; may be open evenings and weekends.
• animal bite • back pain • earache • minor cuts and burns • minor eye injuries • minor fractures • sore throat • sprain • urinary tract infection
• allergic reactions • animal bites • broken bones • burns • chest pain or pressure • poisoning • severe burns • trouble breathing
Receive care for major injuries except for trauma; these have “EMERGENCY” in the name and charge like a hospital ER.
Receive care for serious or life-threatening emergencies; not meant to be an alternative for a doctor’s office.
• asthma attack • choking • head injury • neck or spine injury • poisoning or overdose • seizure • severe burns • severe chest pain or pressure • severe pain • uncontrolled bleeding
Lowest cost
Highest cost
(Avg. $2,000+)
Voluntary insurance like accident insurance, critical illness insurance and hospital indemnity insurance pay you a cash benefit if you experience a specific medical issue. Take advantage of these benefits to keep your costs down when you need care. Learn more.
Coverage for the unexpected
Remember, you should always seek the level of care you need, and what is recommended by your medical providers, regardless of the cost of that care. For additional questions, call your Included Health Care Coordinator at 855-229-0828.
Navigating your coverage
Health care is often confusing and frustrating. Follow these three steps for help navigating your insurance and finding providers.
Make sure providers are in the Aetna Choice POS II network.
Ensure your provider is in network.
You can find which providers are in-network by using Included Health.
Not sure if your provider is in network, or need other help? Included Health is available for support for health and benefits questions.
They offer guidance for understanding your plan, verifying your medical coverage and eligibility and choosing a provider.
They also offer nurse support to help you and your dependents manage your health conditions and even help you with your health care costs.
Our goal is to make sure everyone receives the care they need, regardless of race, gender or identity. With Communities through Included Health, you have access to a dedicated care team designed for care, connection, advocacy and guidance for the Black and LGBTQ+ communities.
When providing your insurance information at the doctor’s office, remind them to choose Meritain Health, not Aetna.
Meritain Health processes health care claims for you and your dependents, issues payments to providers and sends information about any patient responsibility you may owe.
Contact Included Health
includedhealth.com/breadfinancial
855-229-0828
View HSA Plan
Benefits at a glance What's new Benefits checklist Watch and learn
Medical plan choices Medical plan highlights Additional benefits
Financial wellness Well-being resources Ready to enroll Legal notices
2024 Open Enrollment guide
Download the mobile app:
For iOS
For Android
Health savings accounts
Commuter accounts
You have the option to enroll in vision insurance through VSP. You won’t receive an ID card from VSP. Your provider can find your coverage online. To search for providers in the VSP network, go to vsp.com.
You might not need to enroll in VSP. If you enroll in the HSA or HRA Plan, you’re covered 100% for annual vision exams when you use an in-network provider. You can also use your HSA, HRA or FSA dollars for eyewear.
Associate + family
$3.93
Cost per paycheck
$10 copay
Eye exams
Every 12 months
Copays
*After you pay your $10 copay for prescription glasses, there’s no additional charge for standard progressive lenses. **Contacts and frames can be purchased in the same year. ***15% off additional contact lens services.
$50
$20 copay
Diabetic Eyecare Plus
$10 co-pay
Eyeglass lenses*
then plan reimburses based on lens type
Eyeglass frames**
Every 24 months
The plan reimburses up to $105
then plan reimburses up to $70
$150-$170
Depending on frame brand
Contact lenses**
Every 12 months in place of frames and lenses
$130
Not applicable
Contact lenses
Fitting and evaluation
Up to $35***
No discounts
Laser vision correction
LASIK, PRK
Discounts available
$6.31
$6.43
$10.46
$7.99
$9.63
100%, no deductible
Basic
Major*
Dependent children up to age 26 only
Associate/spouse and dependent children up to age 26 only
Orthodontia
Deductibles
Coinsurance (What Bread Financial pays once you hit your deductible)
$1,500 per person
$2,500 per person
Lifetime orthodontia maximum
Excludes preventive visits and orthodontia
Note: If you use an out-of-network provider, you’re responsible for any charges above the reasonable and customary limit. *Porcelain crowns covered.
Maximums (The most that the plan will pay; after that, you pay 100% of the cost)
PPO Low
PPO High
$16.17
$19.47
$150
$17.04
$20.53
$29.45
$35.47
Dental plan
You have two dental plan options available through MetLife. Both plans cover preventive care, such as annual exams, cleanings and X-rays, at 100%. New for 2024, if you received one exam and cleaning in the 2024 plan year, the plan will increase your annual plan maximum by $500 in the following year (2025). Both plans have also removed the missing tooth clause, therefore providing coverage for restorations if a tooth was missing before the policy went into effect. The PPO Low Plan has also enhanced its root canal benefits and implant coverage (view chart).
Select Find a Dentist.
1
Choose the PDP Plus Network and enter your ZIP, city and state.
2
Select Find a Dentist button.
3
Once enrolled, you can find which providers are in-network here.
All MetLife products can be accessed through the new member microsite. Questions? Call MetLife Customer Service at 1-833-652-7323.
Make sure providers are in the Aetna POS II network.
Ensure your provider is in-network.
They offer guidance for understanding your plan, verifying your medical coverage and eligibility, and choosing a provider.
They also offer nurse support to help you and your dependents manage your health conditions and even help you with your health-care costs.
Not sure if your provider is in-network, or need other help? Included Health is available for support for health and benefits questions.
Meritain Health processes health-care claims for you and your dependents, issues payments to providers and sends information about any patient responsibility you may owe.
Remember, you should always seek the level of care you need, regardless of the cost of that care. For additional questions, call your Included Health Care Coordinator at 855-229-0828.
Voluntary insurance like accident insurance, critical illness insurance and hospital indemnity insurance pay you a cash benefit if you experience a specific medical issue. Take advantage of these benefits to keep your costs down when you need care. Click here to learn more.
HSA Plan because it has low paycheck contributions, the highest company matching contribution, and will allow him to save now to grow his fund long-term for use in the future when he may need it more.
($44 or less)
Examples of health issues
Receive care for non-urgent illnesses and injuries, health screenings, vaccinations, travel health, physicals and women’s health, and specialist referrals. Build a relationship with a doctor who knows your health history. New for 2024: Virtual primary care visits. Visit includedhealth.com/breadfinancial, call 855-229-0828 or download the mobile app.
Where you go for care matters. Knowing your options may be able to save you time and money. Remember, you must meet your deductible before your plan begins to pay. All preventive care is covered at 100% when using an in-network provider, even before you meet your deductible.
How does the HSA Plan work?
If you enroll in the HSA Plan, you can open a Health Savings Account (HSA), an individually owned bank account that allows you to set aside pre-tax dollars for qualified medical expenses, now or in the future.
For more details on Health Savings Accounts, see the Spending Accounts section here.
Bread Financial helps you build this “medical nest egg” by making matched contributions to your account each paycheck (view chart).
If you plan on contributing to your HSA, you must actively enroll and open an account during Open Enrollment.
Important!
You decide how much to contribute to your HSA, and it comes out of your paycheck before taxes are applied, like a 401(k) contribution. You have the flexibility to change your contribution elections at any time during the year.
Similar to a regular savings account, money in the account will earn interest. Additionally, once your balance exceeds $1,000, you can grow your account by investing your funds. Any returns you receive on your investment are not taxed.
The money in your account is always yours to keep, even if you leave the company.
4
You use your HSA debit card to pay for eligible medical, dental and vision expenses, or you can choose to pay out-of-pocket and save HSA money for the future.
5
If you enroll in the HSA Plan, you’re also eligible to contribute to a limited-purpose health-care FSA to pay dental and vision expenses with pre-tax dollars (click here to learn more).
6
Enrollment elections for Commuter Accounts must be made on the Via Benefits mobile app. No “annual enrollment” exists for Commuter Accounts. You can start payroll contributions anytime throughout the year (enroll by the 20th of the month to fund the next month’s contributions). Payroll deduction for the cost of the pass + administrative costs is deducted the second paycheck of each month (even when three paychecks occur in a month).
How to enroll
Tax-savings accounts
Depending on the medical plan you choose, you’re eligible to enroll in certain tax-savings accounts that help your money go further for eligible expenses.
Flexible Spending Accounts (FSAs) are optional accounts you can enroll in that are a great way to save money throughout the year by lowering your taxable income. These accounts allow you to set aside pre-tax dollars each paycheck, then use your account to pay for eligible expenses with money that wasn’t taxed. You save by lowering how much you would have paid in taxes — kind of like paying $70 for $100 worth of care. You can save up to the annual IRS limit.
Flexible Spending Accounts (FSAs)
Comparing the Flexible Spending Accounts
Compatible with
You don’t need to be enrolled in a Bread Financial medical plan
$5,000
($2,500 if you’re married and file a separate tax return; $2,000 for highly compensated associates earning $150,000 or more annually)
Up to $610 if you re-enroll in the FSA the next year
Medical, dental and vision expenses for you and your eligible tax dependents
All funds available day one of benefits coverage
When you have an eligible expense, you file a claim for reimbursement up to the available balance in your account
Dental and vision expenses (Medical expenses after IRS statutory deductible has been met)
Child-care expenses for your child up to age 13 and elder-care expenses
Individual:
$3,050
$8,300
Company contributes
Your contributions reduce your taxable income
Contributions can earn interest and investment earnings on a tax-deferred basis
Contributions roll over year-after-year — you must re-enroll in 2024
You can take your account with you if you leave Bread Financial
2024 IRS contribution limit
Funds can be used for
Access to funds
Can change contributions during the plan year
Health-care FSA
Limited-purpose health-care FSA
Dependent-care FSA
Bus, train or subway to work; ride-share services; parking at or near work
You elect a dollar amount to be withheld from your pay, and this amount will be loaded onto your Via Benefits account’s debit card. You will then pay eligible commuter expenses using your Via Benefits debit card.
per paycheck
$300
Callout: You must take action during enrollment if you want to contribute to an FSA in 2024.
You must take action during enrollment if you want to contribute to an FSA in 2024.
The last day to make a commuter election for 2023 is Nov. 10, 2023.
Can be used to pay for medical, prescription drug, dental and vision expenses.
Can be used to pay for dental and vision expenses only, and medical expenses only after the IRS statutory deductible is met.
Limited-purpose health-care FSA (only for HSA medical plan participants)
Can be used for eligible day care expenses for your child up to age 13, such as day care or after-school care, and elder-care expenses. It isn't for your dependents’ health-care expenses.
Work similarly to FSAs. You can set aside pre-tax dollars each paycheck for eligible work-related commuting expenses, such as train passes and parking fees.
*If you’re hired after Oct. 1, you receive 50% of the annual HRA contribution amount.
How does the HRA Plan work?
The HRA Plan comes with a Health Reimbursement Arrangement (HRA) to help you pay for eligible medical expenses.
Bread Financial contributes to your account one time each plan year on your benefits effective date (view chart).
HRA contribution from Bread Financial
Unlike a Health Savings Account, you don’t own the account and can’t contribute your own money to the HRA.
Visit the doctor and show your medical ID. The HRA funds are used first to pay the claim. Then, you pay the remaining share (if any) of the expenses up to the deductible.
Unused HRA dollars roll over to the next plan year if you remain in the HRA Plan.
If you enroll in an HRA Plan, you can contribute to a health-care FSA to use pre-tax dollars to help pay for eligible medical expenses the HRA doesn’t cover, as well as dental and vision expenses (click here to learn more).
How does the PPO Plan work?
If you enroll in the PPO Plan, it doesn’t come with a company-funded account like the HSA or HRA Plan.
With the PPO Plan, you pay copays for doctors’ visits, while other medical services require you to meet the deductible before you begin sharing the cost of services through coinsurance.
While a PPO doesn’t pair with a company-funded account, you can enroll in a health-care FSA to help lower your taxable income (learn more on page 11).
If you have invested your HSA dollars with HealthEquity and want to transfer your balance to Via Benefits, you will need to liquidate your HSA between February 7– February 12 to avoid liquidating twice due to interest payments. Reminder emails will be sent in late February to liquidate your account.
Timeline for the Heath Saving and Spending Accounts
December 2023
Timeline for HSA Transition
March 2024
HSA invested funds need to be traded and liquidated. Action required by you to move invested funds into your cash balance (available to spend)
Deadline: Dec. 15, 2023
Via Benefits will mail debit card for use in 2024
Mid-Dec. 2023
HSA deductions posted to your account from the 1st pay period in 2024 and available to use
Jan. 12-16, 2024
HealthEquity HSA cards are deactivated.
Jan. 29, 2024
Deadline to liquidate investments*
Feb. 7-12, 2024
Black out period Transfer of HSA account from HealthEquity to Via Benefits
Feb. 13-29, 2024
Transferred HSA funds available
Mar. 1, 2024
*Accounts with investments not liquidated by 2/12/2024 will not be included in the bulk transfer. Remember to turn off “auto-investing” option
Video – What Is Included Health?
For more details on Health Savings Accounts, visit the Spending accounts section here.
What is CIP and why do you need it for your HSA?
The Customer Identification Program (CIP) is a federally mandated process used to verify the identity of individuals when opening a Health Savings Account (HSA) or any other bank account in the United States. As part of the USA PATRIOT Act, the CIP adds security to your HSA and helps protect your personal information. This verification ensures compliance with federal regulations, helps protect against potential fraud, and safeguards the overall integrity of your account.
You decide how much to contribute to your HSA, and it comes out of your paycheck before taxes are applied, like a 401(k) contribution. You have the flexibility to change your contribution through Nov. 29, as long as it doesn't exceed the IRS annual limits.
If you enroll in the HSA Plan, you’re also eligible to contribute to a limited purpose health care FSA to pay dental and vision expenses with pre-tax dollars and major medical expenses once you satisfy your deductible (click here to learn more).
Timeline for HSA transition
HSA invested funds need to be traded and liquidated; action required by you to move invested funds into your cash balance (available to spend)
*Accounts with investments not liquidated by 2/12/2024 will not be included in the bulk transfer. Remember to turn off “auto-investing” option.
Mid-December 2023
HealthEquity HSA cards are deactivated
HSA deductions posted to your account from the first pay period in 2024 and available to use
Mid-January 2024
View HRA Plan
1.
CIP will be performed at time of enrollment.
2.
During the CIP process, information like your first and last name, residential address, date of birth and Social Security number will be verified to open your account.
3.
If Via Benefits is unable to verify your identity, they may need additional documents from you. If so, you’ll be notified by mail and receive a letter or email instructing you how to provide the correct documents.
4.
Your account may not open if you’re unable to supply Via Benefits the requested forms of identification within 90 days of account setup.
View additional benefits
Visit the doctor and show your medical ID. You'll receive an HRA debit card in the mail to be used for eligible medical and prescription claims. Then, you pay the remaining share (if any) of the expenses. Retain your receipts, as you may need to substantiate these expenses to avoid having your card suspended.
Unused HRA dollars roll over to the next plan year if you remain in the HRA Plan. If you leave Bread Financial or change medical plans, you can't take the unused balance with you.
If you enroll in an HRA Plan, you can contribute to a health care FSA to use pre-tax dollars to help pay for eligible medical expenses the HRA doesn’t cover, as well as vision expenses and eyewear. You can use your Via Benefits debit card to pay for eligible health care expenses.
Associate + spouse/domestic partner or child(ren):
View PPO Plan
*If you’re hired after Oct. 1, you'll receive 50% of the annual HRA contribution amount.
If you enroll in the PPO Plan, it doesn’t come with a company-funded account like the HSA or HRA Plans.
While a PPO doesn’t pair with a company-funded account, you can enroll in a health care FSA to help lower your taxable income (learn more about flexible spending accounts on the Spending accounts page).
View prescription drugs
All three medical plans include prescription drug coverage. Our new pharmacy vendor, CVS Caremark, provides high-quality care and customer service to help you get the medication you need. Here’s how it works:
You can fill a prescription at any network pharmacy (not just CVS Caremark). To locate an in-network pharmacy, visit caremark.com. If you fill a prescription out-of-network, you’ll pay 50% in the HRA and HSA Plans (PPO in- and out-of-network costs are the same; view chart).
Long-term maintenance medications you take on a regular basis must be filled at a CVS Caremark retail pharmacy (including pharmacies in Target and Costco) or through mail order.
Full cost of medications until you reach the deductible
Before deductible, you pay:
Combined with medical plan deductible
$100
After deductible:
Bread Financial pays 80%
Generics
You pay 20%
$10 retail copay
$25 mail order copay
Brand-name drugs
Retail:
Preferred brand:
You pay 25% with $40 min/$80 max
Non-preferred brand:
You pay 40% with $60 min/$120 max
Mail order:
You pay 25% with $100 min/$200 max
You pay 40% with $150 min/$300 max
Go to caremark.com
Find a network pharmacy
Call customer care at 833-272-9887
Click through to know what to do before you fill a prescription
Tips for lowering your prescription costs
Contact your Included Health Care Coordinator to get help finding prescription options that best fit your needs at 855-229-0828.
Save through GoodRx, a discount program that lets you compare the prices of medications without using your insurance. You can also find coupons to use at the pharmacy — and it all adds up to potential savings. If you use GoodRx, the price you pay won’t count toward your medical plan deductible, but the savings may still be worth it. Visit goodrx.com or download the app to see what’s available for your prescribed medications.
View dental
$200
If you take a medication regularly for an ongoing condition, you must get 90-day supplies from a CVS retail pharmacy (including Target or Costco) or through mail order. Plus, there is no extra cost for shipping. You can contact a CVS Caremark benefit representative at 833-272-9887 to discuss your available medication options.
Make sure your prescription is covered. The formulary is a list of medications that are proven to be effective and cost-efficient. Talk to your doctor about prescribing a drug from this list (when a generic isn’t an option) to help you save money.
Use a network pharmacy. View participating National Network Retail Pharmacies here. Note, CVS Caremark retail pharmacies are always in-network.
Ask your doctor about your options. Generic prescriptions are generally less expensive than their name-brand equivalents but have the same active ingredients.
Keeping your out-of-pocket costs low is important to you and your family. CVS Caremark works with industry-leading prescription discount suppliers to offer Caremark Cost Saver™, helping you save on commonly dispensed generic medications. Caremark Cost Saver makes sure you automatically get the lowest available cost for medications covered under your plan. All you do is present your medical ID card when you pick up your prescriptions.
A healthy smile can mean better health. You have two dental plan options available through MetLife — PPO High Plan and PPO Low Plan.
Choose the PDP Plus network and enter your ZIP, city and state.
All MetLife products can be accessed through the member microsite. Questions? Call MetLife Customer Service at 1-833-652-7323.
Coinsurance (What Bread Financial pays once you meet your deductible)
Note: If you use an out-of-network provider, you’re responsible for any charges above the reasonable and customary limit. *Porcelain crowns and implants covered.
*If a member doesn't meet the qualifying criteria in a given year, their annual maximum would stay the same as the prior year's amount. **Incentive provision is capped after one year. Note: Once the incentive is earned, you keep that additional amount regardless of which plan you are enrolled in.
Low Plan
High Plan
If you need a dental ID card, visit metlife.com/mybenefits
How the annual maximum incentive works:
Learn more about how the incentive benefit works
View vision
You can use any dentist of your choice, but you'll save more if you use a participating dentist.
Things to know about your dental plan option:
Both plans have 100% coverage for preventive care, such as annual exams, cleanings and X-rays.
Each plan includes an incentive provision that allows for the individual maximum benefit to increase by $500 if you receive one routine oral exam and cleaning in the prior year.
What this means to you is if you get your exam and teeth cleaning in 2024, your annual plan maximum will increase by $500 in 2025 and will remain in effect for the succeeding year.
Orthodontic care is covered. The High Plan includes coverage for both adults and child(ren) while the Low Plan is specifically for child(ren) only.
Let’s explore the details and help you choose the plan that suits your needs and preferences.
The vision plan offered through VSP helps you and your covered dependents see life more clearly.
You might not need to enroll in VSP. If you enroll in the HSA or HRA Plan, you're 100% covered for annual vision exams, including Optomap, when you use an in-network provider. You can also use your HSA, HRA or FSA dollars for eyewear.
View spending accounts
To search for participating providers in the VSP network, go to vsp.com.
Your provider can search your coverage online.
You won't receive an ID card from VSP, just give your vision care provider your personal information to verify coverage.
2024 HSA contributions
Together, contributions from you and Bread Financial can't exceed the IRS-determined annual maximum for the account.
IRS max for 2024:
*Company contribution:
You can contribute:
$4,150
$800
$3,350
Note: You can contribute an additional $1,000 if you’ll be age 55 or older in 2024. *Company contributions listed are the maximum matching contribution.
Take advantage of triple-tax savings
One of the greatest benefits of an HSA is that these accounts are triple-tax* protected. There are:
No taxes on contributions to your HSA
means you're reducing your annual taxable income
No taxes on earnings
from interest or investments
No taxes on withdrawals
for eligible medical expenses
*In some states, you’ll pay state taxes on contributions and/or earnings. Be sure to speak with your tax advisor.
Watch your savings grow
Your HSA earns tax-free interest, so it has the potential to make money above and beyond what you contribute. The following example illustrates how your annual HSA contribution can grow over time and be there for future use, even in retirement.
At age 37, Gina begins making an annual contribution to her HSA. She plans to contribute at the same rate until age 65; she won’t take advantage of the age 55 catch-up when she becomes eligible. The HSA will be a savings tool and won’t be used to reimburse current eligible health care expenses. The federal tax rate on her yearly income is 24%.
Gina's annual HSA contribution
Projected HSA balance at 65
Accumulated tax savings on contributions only
$49,967
$6,720
$99,935
$13,440
$149,902
$20,160
This illustration provides estimated projections and doesn’t guarantee how your investment will grow. Projections are based on a 4% rate of return each year and assume that no withdrawals are made and that the contribution amount and the interest rate remain constant until retirement age.
$1,300
Health Savings Accounts
For an overview on Health Savings Accounts, visit the Medical plan highlights section here.
Flexible spending accounts (FSAs) are optional accounts you can enroll in that are a great way to save money throughout the year by lowering your taxable income. These accounts allow you to set aside pre-tax dollars each paycheck, then use your account to pay for eligible expenses with money that wasn’t taxed. You can contribute up to the annual IRS limit.
Flexible spending accounts (FSAs)
Comparing the flexible spending accounts
$2,500 if you’re married and file a separate tax return;
Up to $640 if you re-enroll in the FSA the next year
Dental and vision expenses
Child care expenses for your child up to age 13 and elder care expenses
$3,200
Company contribution
Your contribution reduces your taxable income
Contributions can roll over year-after-year — you must re-enroll in 2025
Your contribution
Change contributions during plan year
Health care FSA
Limited purpose health care FSA
The FSAs are "use-it-or-lose-it" plans. You can use your FSA for expenses incurred during the plan year (Jan. 1 through Dec. 31). You have until March 31 the following year to request reimbursement.
Limited purpose health care FSA (only for HSA medical plan participants)
Can be used for eligible day care expenses for your child up to age 13, such as day care or after-school care, and elder care expenses. It isn't for your dependents’ health care expenses. Use the Via Benefits website or mobile app to request your day care reimbursement. You can also use the provider signature tool to avoid the hassle of uploading supporting receipts.
These accounts work similarly to FSAs. You can set aside pre-tax dollars each paycheck for eligible work-related commuting expenses, such as train passes and parking fees.
$315 per paycheck for transit; $315 per paycheck for parking
Contributions roll over year-after-year
Enroll in transit and parking accounts on the Via Benefits mobile app by the 20th of each month.
Medical expenses after IRS statutory deductible ($1,600/$3,200) has been met
or not enrolled in a Bread Financial medical plan
for highly compensated associates earning $150,000 or more annually
You must re-enroll to use benefits in 2025 and beyond
This debit card can be used for spending and savings accounts, including Commuter.
You can visit the FSA Store to spend down your health care FSA.
Voluntary benefits
Bread Financial offers additional benefits that pay you a lump-sum cash benefit if you have specific injuries, illnesses or become hospitalized. Accident, critical illness and hospital indemnity plans from Voya are completely voluntary and can help bring you peace of mind. You can purchase none, one, two or all three — the choice is yours.
Disability coverage
Bread Financial’s disability benefits include short-term disability (STD) payments and long-term disability (LTD) insurance. These benefits keep part of your paycheck coming if you’re sick or hurt and can’t work.
View medical resources
Enrolling or currently enrolled in Voya voluntary benefits? Don’t miss this opportunity that could save you money.
During your enrollment, you’ll have the chance to connect your medical claims to Voya. If you click into any of the Voya plans, opt in “Yes” to get personalized updates from Voya based on your medical claims activity. Be sure you aren’t missing out on possible claims opportunities, including your annual wellness benefit(s).
If you suffer certain illnesses, such as a heart attack or cancer, critical illness insurance can protect against the financial impact. You'll receive a lump-sum benefit, which can be used to pay for your treatment costs or for everyday living expenses, from rent and groceries to special transportation services. A $50 wellness benefit can be earned to encourage you and your covered dependents to maintain your health. And if your spouse and children are on your plan, you can earn wellness benefits for them as well ($50 spouse/$25 each up to four children). Rates are based on age, tier and plan.
What's covered
The most common conditions claims are paid for include heart attack, cancer, stroke, coronary artery bypass and kidney failure. If one of these common events happens on or after your coverage effective date, and your claim is approved, benefits are payable at 100% of the coverage selected unless otherwise stated. Visit Voya's microsite for more details on coverage.
$1.78
$2.87
Biweekly rate (26 pay periods)
Low plan
High plan
The most common treatments and conditions that claims are paid for include ER treatment, stitches, X-rays, follow-up doctor treatment(s) and physical therapy. The chart above highlights some of these events and the benefit payment you’d receive if your claim is approved. Visit Voya's microsite for more details on coverage.
You can’t always prevent accidents, but you can take steps to reduce the financial impact. Accident insurance provides you with a cash benefit in cases of eligible accidental injuries. You can use the money however you want, including paying for uncovered medical expenses, such as your deductible or coinsurance, or for ongoing living expenses. The amount you receive depends on the medical care resulting from the accident and the severity.
Covered treatments
Accident-related treatment
Emergency room treatment
X-ray
Physical therapy
Up to six per accident
Follow-up doctor treament
$125
$30
$45
Consider additional benefits
Bread Financial provides you with basic life insurance, accidental death and dismemberment (AD&D) insurance, business travel accident insurance (BTA), and disability coverage to help your family when life takes an unexpected turn. During your enrollment, you have the option to add supplemental coverage.
Coverage:
Who pays the cost:
1X
your annual salary
Provides protection for loss of life, limb or sight as a result of a covered accident.
Business travel accident (BTA) insurance
Protects you if you have an accident while traveling on company business.
3X
your annual salary, up to a maximum of $500,000
1 to 8X
For you
For your spouse/domestic partner
$5,000; $10,000; $25,000; $50,000; $75,000; $100,000; $125,000; or $150,000
Limited to 100% of associate’s coverage amount
For your child(ren)
$5,000; $10,000; or $25,000
$2,000,000 maximum for basic and optional combined
Spouse/domestic partner
Optional accidental death and dismemberment (AD&D) insurance
1 to 10X
Optional AD&D is up to a maximum of $500,000
Your spouse/domestic partner’s coverage is equal to 50% of your coverage.
At the time of loss, if you have a …
Spouse/domestic partner and child(ren)
Your spouse/domestic partner’s coverage is equal to 40% of your coverage. Each child has coverage equal to 10% of your coverage.
Child(ren) only
Each child has coverage equal to 15% of your coverage.
To get optional life coverage for your spouse/domestic partner or your child(ren), you must elect optional life coverage for yourself. In certain situations, you must submit evidence of insurability (EOI), which is proof of good health, before optional life insurance coverage begins. Coverage requiring EOI becomes effective only after the insurer, Securian Life, approves it.
$4.68
$7.85
Low plan: $100 daily benefit
High plan: $150 daily benefit
Filing a claim is easy as 1-2-3
Need to file a claim for your critical illness, accident or hospital insurance? Don’t forget, if you're enrolled in the critical illness plan and you complete your wellness exam, you can file your claim to get a $50 reimbursement. Simple and easy!
Hospital indemnity insurance supplements your existing health insurance for covered stays in a hospital, critical care unit or rehabilitation facility. You can use this money for any expense you’d like: child care, groceries or help around the house. It’s up to you. Hospital indemnity insurance is a limited benefit policy. This isn’t health insurance and doesn’t satisfy the requirement of minimum essential coverage under the Affordable Care Act.
*Child(ren) birth to age 26; no limit to the number of children per family.
File a claim
Visit Breadquarters for more details.
Disability pay and paid parental leave
Bread Financial offers six weeks of 100% pay for eligible new parents (moms and dads) for the purpose of bonding with a newborn or newly placed child. A 180-day waiting period applies.
You can use up to six weeks (must be taken in five-day increments) during the first 12 months of the baby’s life, or in the case of an adoption for the first 12 months with you.
Maternal childbirth
Elimination period
weeks two through eight at 100%
weeks nine through 14 at 100%
one week PTO/PSL+ or PSST
Parental leave
wk 1
If you're eligible, it pays you 100% of your base pay for weeks two through eight and 70% of your base pay for weeks nine through 26, as long as you remain unable to return to work.
Full-time associates become eligible for short-term disability (STD) 180 days from their hire date. If you become ill or injured (in a non-work accident) and are unable to work:
A one-week elimination period applies.
wk2
Benefits may end at retirement age or after 24 months for mental and nervous conditions. These benefits are subject to offsets, such as Social Security and workers’ compensation.
The basic long-term disability plan provides eligible associates 50% of your monthly earnings, up to a maximum benefit of $10,000/month.
The optional long-term disability buy-up option is available. It covers 60% of your monthly earnings up to a maximum benefit of $15,000/month, to retirement age (as long as you remain unable to return to work).
$1.57
$3.14
Under 25
$1.66
$3.32
25-29
$1.94
$3.88
30-34
$2.35
$4.71
35-39
$3.78
$7.57
40-44
$5.03
$10.06
45-49
$9.28
$18.55
50-54
$11.03
$22.06
55-59
-
$36.28
60-64
$48.28
65-69
$62.77
70+
Attained age
High plan: $20,000
$18.14
$24.14
$31.38
Associate: $10,000
Associate: $20,000
$4.15
$8.31
$4.43
$8.86
$4.80
$9.61
$5.68
$11.36
$8.17
$16.34
$12.46
$24.92
$20.49
$40.98
$27.28
$54.55
$41.03
$82.06
$55.89
$111.78
$74.54
$149.08
Associate: $10,000; Spouse: $10,000; Child(ren): $5,000
Associate: $20,000; Spouse: $20,000; Child(ren): $10,000
$3.65
$7.29
$3.92
$4.29
$8.58
$5.17
$10.34
$7.66
$15.32
$11.95
$23.91
$19.98
$39.97
$26.77
$53.54
$40.52
$81.05
$55.38
$110.77
$74.03
$148.06
Associate: $10,000; Spouse: $10,000
Associate: $20,000; Spouse: $20,000
$2.08
$2.17
$4.34
$2.45
$4.89
$2.86
$5.72
$5.54
$11.08
$9.78
$19.57
$11.54
$23.08
$18.65
$37.29
$24.65
$49.29
$31.89
$63.78
Associate: $10,000; Child(ren): $5,000
Associate: $20,000; Child(ren): $10,000
$3.50
$5.70
$40
$3.84
$6.32
$5.57
$9.14
$8.92
$14.93
$7.70
$13.69
$11.94
$20.77
Identity theft can happen to anyone. Identity protection services are there to help protect you and your finances from a growing range of threats and manage the restoration process in the event of an identity theft.
Both prepaid legal plans include legal coverage for reproductive health at no additional cost.
The prepaid legal plans offer two plan choices: an associate base plan and a Parents Plus plan to include coverage for your parents, parents-in-law and grandparents.
New in 2024:
$8.31 for Base Plan
$10.62 for Base Plan + Parents Plus
Get access to a network of attorneys that can assist you and your family with legal matters ranging from traffic tickets to real estate.
Visit legalplans.com
Call 833-652-7323 (833-MLBREAD)
Get started:
$3.00 for associate-only coverage
$5.76 for family
Visit myaip.com
Call 800-789-2720
Rates are age and salary based and are available during enrollment.
wk 9
wk 14
Hospital indemnity insurance pays a fixed daily benefit if you have a covered stay in a hospital, intensive care unit or rehabilitation facility that occurs on or after your coverage effective date. Benefits depend on the type of facility and number of days of confinement. For example, a hospital admission on the low plan may pay up to $600 and up to $900 on the high plan. Visit Voya's microsite for more details on coverage.
When you enroll in a medical plan, Bread Financial offers several programs and resources to help support you and your family with your health and wellness goals. Take advantage of these great benefits throughout the year.
View well-being resources
Virtual primary care
Virtual primary care, urgent care and behavioral health care is available to you.
LGBTQ+ and Black communities
A dedicated care concierge and health care navigation platform can assist the LGBTQ+ and Black communities, connecting them with high-quality, affirming providers who will advocate for them based upon their specific needs.
Expert second opinion
Included Health is available to you and your eligible family members for free (parents, grandparents, siblings, adult non-dependent children and in-laws) when you need help finding an in-network doctor or need a physician’s opinion on a treatment or diagnosis.
Provider match
You can find the best doctor for you by using the patient provider match engine on Included Health.
Find out everything Included Health does for you:
One place where all care begins
A single point of entry for Bread Financial associates to meet a full continuum of care needs
Included Health navigation
Administrative
Continuum of Care
Complex
Insurance information and activity/ claims history
Personal advocate for administrative and logistical challenges
View of medical costs and spend, claims and billing assistance
Answers to coverage and plan design questions
Annual benefit enrollment support and guidance to relevant benefits
Dedicated guidance and advocacy for the LGBTQ+ and Black communities
Virtual Primary Care for physical and behavioral health needs
Provider matching and appointment scheduling
Help understanding condition and treatment options
Expert opinions for complex diagnoses
Virtual primary care for physical and behavioral health needs
Visit Included Health
Learn more:
Bread Financial associate testimonials
Manage your diabetes effectively with an easy-to-use, touchscreen blood glucose monitoring device, unlimited supplies of test strips and lancets, personalized, real-time coaching and more. You can also manage your hypertension with at-home blood pressure monitoring, get help predicting health complications and receive easier access to remote coaching or other clinical interventions. This program is 100% covered and at no cost to you when enrolled in a Bread Financial medical plan.
The nurses who have contacted me via text in the past when my levels were out of control gave me EXCELLENT advice on how to lower and maintain my levels!
I sleep better. I can prepare my meals easier because I'm able to test my blood sugars. Before I couldn't afford my strips, so my life was in jeopardy every day.
Get started: Click here or call member support at 800-945-4355 and use registration code BreadFinancial
855-902-2777
Visit Hinge Health
Get unlimited one-on-one coaching and virtual visits for back, muscle and joint pain with Hinge Health, an app-based physical therapy and exercise therapy program. When you join, Hinge Health will assess your condition and match you to a care team that will personalize your treatment plan. Your care team may include a physical therapist and a health coach that you keep throughout your experience. This service is free to associates and covered dependents 18 years or older who are enrolled in a Bread Financial medical plan.
I have noticed a real improvement in how my body feels throughout the day when I consistently use the app. Thanks again Hinge Health!
My back health is so much better now — bending over doesn’t hurt my back anymore. Hinge Health really does help!
Bundled fertility treatment that includes all the individual services, tests and treatments you may need for IVF, IUI, egg or sperm freezing, frozen embryo transfer and more. Treatment is bundled in “smart cycles,” so you won’t run out of coverage mid-treatment.
*The person(s) receiving treatment must be enrolled in a Bread Financial medical plan.
Integrated fertility medication coverage*
$10,000 adoption financial assistance per child
844-535-0718
Visit progyny.com/education
$10,000 surrogacy financial assistance per attempt
Progyny offers a premier network of fertility specialists across the U.S. who provide high-quality care using the latest technologies and treatments for more successful outcomes. The following benefits are available to you through Progyny:
Video – Hinge Health: Program Overview
View financial wellness resources
In-app wellness exercises
Support your mental fitness on the go with exercises in meditation, better sleep and more.
Personalized recommendations
Take assessments to identify the right care for your needs, learn more about yourself and track your progress.
Dedicated support
Receive guidance along your journey from your personal Care Navigator.
Confidential therapy
Find a therapist across specialty, gender, ethnicity, language and sexual orientation. Book sessions with trusted providers directly through the Spring Health platform at times that fit your schedule. You and your immediate family members (age 6+) each have eight sessions covered at no cost by Bread Financial each year.
Unlimited coaching
Receive tips for managing stress, increasing focus and more.
Medication management
Speak with psychiatrists to manage medications, when appropriate.
Work-life resources
Talk to experts and find support for legal assistance, financial services, child or elder care, travel and more.
Spring Health also provides a 24/7 crisis support line. Call 855-629-0554 (press option 2) to speak with a licensed provider within 30 seconds.
Family Concierge
Get time-saving, personalized guidance and a customized plan for family care based on what’s available to you through your Bright Horizons Family Concierge. From child care and pet care to housekeeping, elder care and education enrichment, a Family Concierge will be there every step of the way, working closely with you to adapt your plan.
Back-Up Care
When your regular caregiver falls through, this Back-Up Care program, through the Bright Horizons network, helps you find and get care for your children.
Pet Care
Back-Up Care is no longer just for your human children, it includes care for four-legged kids, too! You can exchange your Back-Up Care hours for a credit for dog walking or pet boarding services. And remember, pet insurance is also available through MetLife in case your pet gets sick or injured.
Elder Care™
Support to help you care for an aging loved one, including:
College Coach®
Preparing for college can be exciting and overwhelming — for you and your child. Bright Horizons can make the journey easier with one-on-one guidance from former college admissions and financial aid specialists, strategies for applying to and affording college, personalized essay reviews and feedback and more.
With work, family and personal responsibilities, life can get busy fast. Get help with Bright Horizons. Available services include:
In-home assessments to determine a customized care plan to match your loved one’s needs
Help finding, planning and coordinating appropriate, high-quality care
Ongoing support and personalized guidance from a dedicated, experienced Care Coach
Legal and financial assistance
A website and app that’s a hub for communicating, planning and coordinating care tasks for everyone on your caregiving team
LivingWell Reward
Get rewarded for pursuing your personal wellness passions. Bread Financial provides up to $400 that you can use toward eligible expenses including fitness memberships, mindfulness apps, movement-related experiences, music subscriptions, headphones, home office furniture and much more. Use the funds for yourself or your immediate family members.
Experience LivingWell — our award-winning holistic well-being program, aimed at helping you feel balanced, energized and optimistic about your personal journey. We’ll help you navigate to resources that support your whole self and improve your financial confidence.
Visit livingwell.springhealth.com to activate your benefit
888-874-0420
Visit Bright Horizons
The following programs are available to all associates, regardless of their medical coverage.
Virtual Tutoring
Widens the care and education support available to your families by matching them with a tutor that meets their identified needs (e.g., specialists in math or reading).
Video – Bright Horizons: Family concierge premier benefit
Financial wellness benefits
Managing finances can be stressful. That’s why Bread Financial offers an array of benefits and programs to boost your financial well-being and support your financial future.
Navigating student loan debt is tough, but you don’t have to do it alone. Whether you want to lower your monthly student loan bill, find debt forgiveness programs, pay off your debt faster or need help planning how you’ll pay for school, Candidly offers solutions designed with your goals in mind. This financial benefit is available to you at no cost.
Learn more: Visit Breadquarters
You and your immediate family have access to this confidential, robust financial wellness tool at no cost. Whether you’re looking to build a financial plan or simply learn strategies to better manage money, BrightPlan has a solution for you.
Full-time U.S. associates are eligible to be reimbursed for certain out-of-pocket tuition costs up to $5,250 ($2,625 for part-time) per calendar year to pursue an approved degree (business, marketing, etc.).
Tuition reimbursement
The Bread Financial associate discount program gives you access to discounts on more than 100,000 name brands at hundreds of your favorite retailers. You’ll find restaurants, gyms, Groupon deals and thousands of other local offers, as well as tickets to sporting events, concerts, theatres, movies and theme parks.
Bread Financial offers all full-time and part-time associates discounted rates for auto, home and pet insurance through MetLife.
For pet insurance: Click here to get a quote
Home, auto and pet insurance
Deals & Steals
401(k) plan
It’s never too late (or early!) to start saving for your retirement. With Bread Financial’s 401(k) plan, everyone benefits. Bread Financial will automatically deposit free money into your 401(k) on an annual basis, equal to 3% of your eligible annual pay. Plus, you can take advantage of a company match ($0.50 for every $1 you contribute, up to 6% of your eligible annual pay) with no waiting period. Pre-tax, Roth and after-tax options are available.
Learn more on the 401(k) Breadquarters page.
Need advice on your investments? Enroll in BrightPlan and speak to a CERTIFIED FINANCIAL PLANNER™ (CFP) for free.
Enroll at brightplan.com/enroll
Download the BrightPlan app:
Two ways to get started:
Pricing per paycheck:
Get started: Visit myAIP.com/breadfinancial or call 800-789-2720
Both prepaid legal plans are adding legal coverage for reproductive health at no additional cost.
The prepaid legal plan will now offer an additional plan option to include parents, parents-in-law and grandparents.
$8.31 for associate-only coverage
$10.62 for Parents Plus plan
Get started: Visit legalplans.com or call 800-821-6400
Remember — you can also participate in the
Employee Stock Purchase Plan
Through the Employee Stock Purchase Plan (ESPP), you can purchase Bread Financial stock at a 15% discount with no holding requirements. Enrollment is twice annually (December and June). Enroll or make adjustments at Fidelity by visiting the ESPP Breadquarters page.
For home and auto: Click here to get a quote from Farmers Insurance, a MetLife partner
Call 833-652-7323 (833-MLBREAD) for assistance
2024 coverage costs
Coming soon: January 2024 Care Coordinators will be available 24/7
Bread Financial is proud to offer benefits to help you handle life’s financial challenges. The company pays a large share of the cost for these benefits because we value the work you do. We want you and your family to have peace of mind knowing you're protected. Your share of the premium cost of benefits is deducted from your biweekly paycheck each (26) pay period. Some deductions are pre-tax which increases your take-home pay. When enrolling a domestic partner, imputed income and after-tax deductions will apply.
*Maximum Reimbursable Charge (MRC) applies to out-of-network charges for non-emergency services. When you receive out-of-network non-emergency medical care from a non-participating doctor or other health-care professional, there’s a limit to the amount of money that will be reimbursed. **The HRA and PPO Plans include an individual out-of-pocket maximum within the family tiers. This means that for all tiers other than associate only, when any one individual family member reaches $8,500 for in-network claims, the plan pays for any claims over that amount for that individual family member. Once the total out-of-pocket maximum is met, then the plan will pay 100% of claims for all family members. For the HRA Plan, company contributions and out-of-pocket associate costs both count toward the in-network out-of-pocket maximum. Note: If you’re enrolled in an HRA or HSA Plan, your out-of-network claims apply to your in-network deductible and out-of-pocket maximums. If you’re enrolled in the PPO Plan, copays don’t apply toward your deductible, but do apply toward your out-of-pocket maximum.
Critical illness
$8.31 for Base Plan (associate only)
Identity protection
Life/AD&D/buy-up LTD
Most rates for these optional coverages are based on age, tier and salary. Please review your benefits cost for each coverage when you enroll online.
Please note: You'll be responsible for paying your health care premiums to ensure your coverage remains active while you’re on a leave of absence. Failure to keep your premiums current may result in benefits being terminated due to non-payment of premium.
Remember, you must enroll for all your elected benefits within 30 days of your hire date.
Don’t delay, enroll today!
There are two types of dependents you can cover:
Decide who to cover
Consider all your benefits
When adding a new dependent to your benefits coverage during enrollment, you’ll need to submit documentation (for example, birth or marriage certificate) for dependent verification within 60 days of enrollment.
Your spouse or qualifying domestic partner*
Your children, including step-children and your qualifying domestic partner’s* children, up to age 26
Learn more about your coverage offering by going to Breadquarters > Benefits & Pay > Enrollment > New Hire Enrollment or visit the Virtual Benefits Fair.
SSO to breadfinancialbenefits.ehr.com
You have 30 days to enroll. Act now to avoid retroactive deductions back to your hire date.
Questions about the enrollment process?
Bread Financial Benefits 800-260-7584 9 a.m.-7 p.m. ET (Monday-Friday) SSO to breadfinancialbenefits.ehr.com
Health care benefit questions?
Included Health 855-229-0828 Coordinators are available 24/7 Visit Included Health
Reach out to mybenefits@breadfinancial.com with any questions you have for the Bread Financial Benefits team
*Go to the enrollment site and read our Summary Plan Description (SPD) for more information about who qualifies as an eligible domestic partner.
Benefits are effective on your first day of employment. You have 30 days to enroll from your date of hire.
Benefits enrollment
800-260-7584
Vendor
Website
Phone
Program
breadfinancialbenefits.ehr.com
Benefits
Health Savings Accounts (HSA), flexible spending accounts (FSA) and Commuter Accounts
800-953-5395
viabenefitsaccounts.com
Critical illness/accident insurance/hospital indemnity insurance
877-236-7564
EBRC - Bread Financial (voya.com)
833-652-7323 (833-MLBREAD)
metlife.com/mybenefits
Diabetes/hypertension
800-945-4355
welcome.livongo.com/breadfinancial
Disability — short term and long term
844-408-1626
mygrouplifedisability.aflac.com
Mental health support
855-629-0554
livingwell.springhealth.com
Advocacy/provider match/virtual primary care/expert medical opinion
Fertility, adoption and surrogacy support
progyny.com/education
Financial wellness solution
855-539-0007
brightplan.com/enroll
800-789-2720
myaip.com
Life, accidental death and dismemberment (AD&D) and business travel accident (BTA) insurance
866-293-6047
securian.com
Musculoskeletal support
hingehealth.com/breadfinancial
legalplans.com
Prescription drug
833-272-9887
caremark.com
Student loan repayment
866-719-3437
Candidly Breadquarters page
Virtual visits
800-877-7195
vsp.com
800-922-9945
rps.troweprice.com
MetLife Legal Plan, Inc.
401(k)
Apps
Care (back-up, elder and pet)/virtual tutoring/college coach
Bright Horizons Breadquarters page
Health Reimbursement Account (HRA) Debit Card
800-566-9305 option 5
meritain.com
Be well. Choose well. Live well.
View the following required legal notices:
HIPAA Special Enrollment Rights explains your rights to enroll later if you’re declining medical coverage.
Women’s Health and Cancer Rights Act summarizes the benefits available under your medical plan if you’ve had or are going to have a mastectomy.
Notice of Privacy Practices explains how your health care plans protect your personal medical information.
Summaries of Benefits and Coverage (SBCs) summarize important information about your medical coverage options in a standard format to help you compare across options.
Marketplace Notice provides basic information about the Health Insurance Marketplace. It also includes information about the Bread Financial medical coverage that you’ll need when you apply for Marketplace coverage.
Medicare Credible Coverage Notice explains Part D coverage for Medicare eligible associates.
The Children’s Health Insurance Program (CHIP) provides health coverage to eligible children, through both Medicaid and separate CHIP programs. The notice lists the states that provide premium assistance.
THIS DOCUMENT SERVES AS A SUMMARY OF MATERIAL MODIFICATIONS (“SMM”) FOR THE BENEFIT PROGRAMS OFFERED THROUGH THE BREAD FINANCIAL PAYMENTS, INC. MASTER WELFARE PLAN FOR SELF-INSURED BENEFITS, THE BREAD FINANCIAL PAYMENTS, INC. MASTER WELFARE PLAN FOR INSURED BENEFITS, AND THE BREAD FINANCIAL PAYMENTS, INC. CODE SECTION 125 PLAN (COLLECTIVELY, “THE PLAN”). PLEASE KEEP THIS SMM WITH OTHER IMPORTANT PLAN DOCUMENTS, INCLUDING THE SUMMARY PLAN DESCRIPTION (SPD). PLEASE SHARE THIS DOCUMENT WITH YOUR ELIGIBLE DEPENDENTS. WHILE WE HAVE MADE EVERY EFFORT TO ACCURATELY DESCRIBE THE TERMS OF YOUR BENEFIT PROGRAMS, IF THIS GUIDE DOES NOT ADDRESS AN ISSUE, NO INFERENCE SHOULD BE DRAWN FROM THAT OMISSION. UNDER THE PLAN, THE PLAN ADMINISTRATOR HAS THE AUTHORITY TO INTERPRET AND APPLY ALL PLAN PROVISIONS AND EXCLUSIONS AND DETERMINE ALL QUESTIONS ARISING IN CONNECTION WITH THE ADMINISTRATION, INTERPRETATION AND APPLICATIONS OF THE PLAN. BREAD FINANCIAL INTENDS TO CONTINUE YOUR BENEFITS PROGRAM INDEFINITELY, BUT RESERVES THE RIGHT TO AMEND, MODIFY, CHANGE OR TERMINATE ANY BENEFIT IN WHOLE OR IN PART AT ANY TIME, BOTH DURING AND AFTER YOUR EMPLOYMENT. THIS SMM, THE SPD OR YOUR ELIGIBILITY FOR OR PARTICIPATION IN ANY OF THE BENEFITS OF BREAD FINANCIAL DO NOT CONSTITUTE AN OFFER OR CONTRACT FOR CONTINUED EMPLOYMENT.
Notice of Privacy Practices Your Information. Your Rights. Our Responsibilities.
This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.
Your Rights
You have the right to:
Get a copy of your health and claims records Correct your health and claims records Request confidential communication Ask us to limit the information we share Get a list of those with whom we’ve shared your information Get a copy of this privacy notice Choose someone to act for you File a complaint if you believe your privacy rights have been violated
Notice of Special Enrollment Rights
Special Enrollment Provisions
THIS NOTICE DESCRIBES SPECIAL CIRCUMSTANCES WHICH MAY ALLOW YOU AND YOUR ELIGIBLE DEPENDENTS TO ENROLL IN BREAD FINANCIAL GROUP HEALTH COVERAGE DURING THE YEAR. PLEASE REVIEW IT CAREFULLY. Bread Financial sponsors a group health plan (the “Plan”) to provide coverage for health care services for our associates and their dependents. Our records show that you are eligible to participate, which requires that you complete enrollment in the Plan and pay your portion of the cost of coverage through payroll deductions or decline coverage. A federal law called HIPAA requires we notify you about your right to later enroll yourself and eligible dependents for coverage in the Plan under “special enrollment provisions” described below.
Loss of Other Coverage.
If you decline enrollment for yourself or for an eligible dependent because you had other group health plan coverage or other health insurance, you may be able to enroll yourself and your dependents in the Plan if you or your dependents lose eligibility for that other coverage, or if the other employer stops contributing toward your or your dependents’ other coverage. You must request enrollment within 30 days after your or your dependents’ other coverage ends, or after the other employer stops contributing toward the other coverage. Please contact Bread Financial Benefits for details, including the effective date of coverage added under this special enrollment provision (contact information provided below).
New Dependent by Marriage, Birth, Adoption, or Placement for Adoption.
If you gain a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your new dependents in the Plan. You must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. In the event you acquire a new dependent by birth, adoption, or placement for adoption, you may also be able to enroll your spouse in the Plan, if your spouse was not previously covered. Please contact the Bread Financial Benefits for details, including the effective date of coverage added under this special enrollment provision (contact information provided below).
Enrollment Due to Medicaid/CHIP Events.
If you or your eligible dependents are not already enrolled in the Plan, you may be able to enroll yourself and your eligible dependents in the Plan if: (i) you or your dependents lose coverage under a state Medicaid or children’s health insurance program (CHIP), or (ii) you or your dependents become eligible for premium assistance under state Medicaid or CHIP. You must request enrollment within 60 days from the date of the Medicaid/CHIP event. Please contact Bread Financial Benefits for details, including the effective date of coverage added under this special enrollment provision (contac tinformation provided below).
If you have any questions about this Notice or about how to enroll in the Plan, please contact Bread Financial Benefits at (800) 260-7584 or by writing to: Bread Financial Attn: Benefits Department 3095 Loyalty Circle, Columbus, OH 43219 mybenefits@breadfinancial.com
Notice Availability
Additional information regarding your rights to enroll in the Plan are found in the applicable summary plan description(s) for the Plan, or you may contact Bread Financial Benefits asprovided above for more information.
Health Care Reform Marketplace Notice
New Medical Insurance Marketplace Coverage Options and Your Medical Coverage
January 2024
What Is the Health Insurance Marketplace?
The Marketplace is designed to help individuals find medical insurance that meets their needs and fits their budget. It offers “one-stop shopping” to find and compare private medical insurance options. Individuals may alsobe eligible for a new kind of tax credit (or “subsidy” as it has also been referred to) that lowers their monthlypremium right away. To learn more about the open enrollment period for coverage in the HealthInsurance Marketplace, please visit www.healthcare.gov.
When key parts of the health care law took effect in 2014, a new way to buy health insurance became available: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-basedmedical coverage offered by Bread Financial.
Can I Save Money on Medical Insurance Premiums in the Marketplace?
Some people who do not have access to affordable, minimum value medical coverage through their employermay be eligible for a federal tax credit in order to make buying insurance through the Marketplace moreaffordable. You may be eligible for a tax credit that lowers your monthly premiums if your coverage is consideredunaffordable, meaning that the cost of the lowest priced “associate-only” coverage under the Bread Financial'shealth plan is more than 9.5% of your annual household income (This percentage may be adjusted by the IRS). It’s important to note that because Bread Financial’s medical plans meet the government’s standards for bothminimum value and affordability, it is very likely that you will not qualify for a federal tax credit if you are eligiblefor Bread Financial's medical benefits. Consult the Marketplace for complete information about your eligibility for premium tax credits.
Am I Eligible for Health Coverage Through Bread Financial?
Full-time associates (those who are regularly scheduled to work 30 hours or more per week) are eligible to participate in the health benefits offered by Bread Financial. Benefits become effective 30 days after the date ofhire for newly hired associates.
What If I’m Not Eligible for Bread Financial Medical Plans?
If you are not eligible for Bread Financial’s medical plans, or those plans are unaffordable, you should consider other options available to you, such as coverage through your spouse’s employer plan, your parent’s employer plan (if you are under age 26), Medicaid, Medicare or your state’s Marketplace.
If you decide to enroll through the Marketplace, you will need to provide the Marketplace with the following information about Bread Financial and our plans:
Employer name:
Bread Financial
Employer Identification Number EIN:
13-3163498
Employer address:
3095 Loyalty Circle, Columbus, OH 43219
Employer telephone number:
Name of contact for associate health coverage:
Bread Financial Benefits
Phone number of contact (if different from above):
Associate contribution for Bread Financial's lowest cost plan for associate-only coverage (HRA Plan):
$70.14 per month or $32.37 per pay period
Important Note:
If you purchase a medical plan through the Marketplace instead of accepting medical coverage offered by Bread Financial, then you will lose Bread Financial’s cost-sharing contribution to the Company-offered coverage and you will be responsible for the full cost of the medical insurance. Also, your associate contributionto employer-offered coverage is often excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace will be made on an after-tax basis.
Why is Bread Financial Sending This Information?
Most U.S. employers are required to send this notice to associates to raise awareness of the new Marketplace and to help them understand how having access to their employer’s medical plan and householdincome limits their eligibility for tax credits in the Marketplace.
How Can I Get More Information?
If you’d like to learn more about the Health Insurance Marketplace in your state, please visit www.healthcare.gov, the website sponsored by the Department of Health and Human Services, for more information. The Marketplace can help you evaluate the coverage options, including your eligibility for coverage through the Marketplace and its cost. If you decide to shop for coverage in the Marketplace, www.healthcare.gov will guide you through the process.
If you have any questions about your Bread Financial benefits, go to Inview > Benefits & Perks > Enrollment > Your Personal Benefits or call Bread Financial Benefits at 1-800-260-7584.
Women’s Health and Cancer Rights Act
The Women’s Health and Cancer Rights Act of 1998 requires that group health plans thatprovide coverage for mastectomies must also cover reconstructive surgery and prosthesesfollowing mastectomies, as follows:
Reconstruction of the breast on which the mastectomy has been performed
Prostheses and physical complications related to all stages of mastectomies, including lymphedemas
Surgery and reconstruction of the other breast to produce a symmetrical appearance
Important Notice from Bread Financial Payments, Inc. About Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Bread Financial Payments, Inc. and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:
Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
Bread Financial Payments, Inc. has determined that the prescription drug coverage offered under the Bread Financial Payments, Inc. Health Plan is on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.
When Can You Join A Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.
What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?
If you decide to join a Medicare drug plan, your current Bread Financial Payments, Inc.coverage will not be affected. See below for more information about what happens to your current coverage if you join a Medicare drug plan. You will find an explanation of your current coverage options available to you during open enrollment for a January 1st effective date. In addition, your current coverage pays for other health expenses in addition to prescription drug benefits if you choose to enroll in a Medicare drug plan. If you do decide to join a Medicare drug plan and drop your current Bread Financial Payments, Inc. coverage, be aware that you and your dependents may not be able to get this coverage back.
For More Information About This Notice Or Your Current Prescription Drug Coverage…
Contact the person listed below for further information call 1-800-260-7584.
NOTE:
You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Bread Financial Payments, Inc. changes. You also may request a copy of this notice at any time.
For More Information About Your Options Under Medicare Prescription Drug Coverage…
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: Visit www.medicare.gov. Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help. Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).
Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).
Date: September 1, 2023 Name of Entity/Sender: Bread Financial Payments, Inc Contact Office: Bread Financial Benefits Address: 3095 Loyalty Circle, Columbus, OH 43219 Phone Number: 800-260-7584
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2023. Contact your State for more information on eligibility –
Website: http://myalhipp.com/
ALASKA-Medicaid
ALABAMA-Medicaid
Phone: 1-855-692-5447
The AK Health Insurance Premium Payment Program
Website: http://myakhipp.com/
Phone: 1-866-251-4861
Email: CustomerService@MyAKHIPP.com
Medicaid eligibility: https://health.alaska.gov/dpa/Pages/default.aspx
Health Insurance Premium Payment (HIPP) Program
Phone: 916-445-8322
Fax: 916-440-5676
Email: hipp@dhcs.ca.gov
CALIFORNIA-Medicaid
Website: http://myarhipp.com/
Phone: 1-855-MyARHIPP (855-692-7447)
ARKANSAS-Medicaid
Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html
Phone: 1-877-357-3268
FLORIDA-Medicaid
Health First Colorado Website: https://www.healthfirstcolorado.com/
COLORADO-Health First Colorado
(Colorado’s Medicaid Program) & ChildHealth Plan Plus (CHP+)
Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711
CHP+: https://hcpf.colorado.gov/child-health-plan-plus
Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/
HIBI Customer Service: 1-855-692-6442
Healthy Indiana Plan for low-income adults 19-64
INDIANA-Medicaid
GA HIPP Website: https://medicaid.georgia.gov/health-insurance-premium-payment-program-hipp
GEORGIA-Medicaid
Phone: 678-564-1162, Press 1
GA CHIPRA Website: https://medicaid.georgia.gov/programs/third-party-liability/childrens-health-insurance-program-reauthorization-act-2009-chipra
Phone: (678) 564-1162, Press 2
Website: http://www.in.gov/fssa/hip/
Phone: 1-877-438-4479
All other Medicaid
Phone 1-800-457-4584
Website: https://www.in.gov/medicaid/
Website: https://www.kancare.ks.gov/
Phone: 1-800-792-4884
KANSAS-Medicaid
Website: https://dhs.iowa.gov/ime/members
Medicaid Phone: 1-800-338-8366
Hawki Website: http://dhs.iowa.gov/Hawki
Hawki Phone: 1-800-257-8563
IOWA-Medicaid and CHIP (Hawki)
HIPP Website: https://dhs.iowa.gov/ime/members/medicaid-a-to-z/hipp
HIPP Phone: 1-888-346-9562
Website: www.medicaid.la.gov or
www.ldh.la.gov/lahipp
LOUISIANA-Medicaid
Kentucky Integrated Health Insurance Premium Payment
Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx
Phone: 1-855-459-6328
KCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx
Email: KIHIPP.PROGRAM@ky.gov
KENTUCKY-Medicaid
Phone: 1-877-524-4718
Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms
Website: https://www.mass.gov/masshealth/pa
MASSACHUSETTS-Medicaid and CHIP
Enrollment Website: https://www.mymaineconnection.gov/ benefits/s/?language=en_US
Phone: 1-800-442-6003
Phone: -800-977-6740
TTY: Maine relay 711
Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms
MAINE-Medicaid
Phone: 1-800-862-4840
TTY: 711
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
MISSOURI-Medicaid
Website: https://mn.gov/dhs/people-we-serve/children-and-families/health-care/health-care-programs/programs-and-services/other-insurance.jsp
MINNESOTA-Medicaid
Phone: 1-800-657-3739
Phone: 573-751-2005
Website: http://www.ACCESSNebraska.ne.gov
NEBRASKA-Medicaid
Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP
MONTANA-Medicaid
Phone: 1-800-694-3084
Email: HHSHIPPProgram@mt.gov
Phone: 1-855-632-7633
Lincoln: 402-473-7000
Omaha: 402-595-1178
Website: https://www.dhhs.nh.gov/programs- services/medicaid/health-insurance-premium-program
NEW HAMPSHIRE-Medicaid
Medicaid Website: http://dhcfp.nv.gov
NEVADA-Medicaid
Medicaid Phone: 1-800-992-0900
Phone: 603-271-5218
Toll free number for the HIPP program: 1-800-852-3345, ext 5218
Website: https://www.health.ny.gov/health_care/medicaid/
NEW YORK-Medicaid
Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/
NEW JERSEY-Medicaid and CHIP
Medicaid Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710
Phone: 1-800-541-2831
Website: https://www.hhs.nd.gov/healthcare
Phone: 1-844-854-4825
NORTH DAKOTA-Medicaid
Website: https://medicaid.ncdhhs.gov/
Phone: 919-855-4100
NORTH CAROLINA-Medicaid
Website: http://healthcare.oregon.gov/Pages/index.aspx
Phone: 1-800-699-9075
OREGON-Medicaid
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
OKLAHOMA-Medicaid and CHIP
Website: http://www.eohhs.ri.gov/
Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line)
RHODE ISLAND-Medicaid and CHIP
Website: https://www.dhs.pa.gov/Services/Assistance/Pages/HIPP-Program.aspx
PENNSYLVANIA-Medicaid
Phone: 1-800-692-7462
Website: http://dss.sd.gov
Phone: 1-888-828-0059
SOUTH DAKOTA-Medicaid
Website: https://www.scdhhs.gov
Phone: 1-888-549-0820
SOUTH CAROLINA-Medicaid
Medicaid Website: https://medicaid.utah.gov/
CHIP Website: http://health.utah.gov/chip
UTAH-Medicaid and CHIP
Website: Health Insurance Premium Payment (HIPP) Program | Texas Health and Human Services
Phone: 1-800-440-0493
TEXAS-Medicaid
Phone: 1-877-543-7669
Website: https://coverva.dmas.virginia.gov/learn/premium-assistance/famis-select
https://coverva.dmas.virginia.gov/learn/premium-assistance/health-insurance-premium-payment-hipp-programs
Medicaid Phone: 1-800-432-5924
VIRGINIA-Medicaid and CHIP
Website: Health Insurance Premium Payment (HIPP) Program | Department of Vermont Health Access
Phone: 1-800-250-8427
VERMONT-Medicaid
CHIP Phone: 1-800-432-5924
Website: https://dhhr.wv.gov/bms/
http://mywvhipp.com/
Medicaid Phone: 304-558-1700
CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)
WEST VIRGINIA-Medicaid and CHIP
Website: https://www.hca.wa.gov/
Phone: 1-800-562-3022
WASHINGTON-Medicaid
Website: https://health.wyo.gov/healthcarefin/medicaid/programs-and-eligibility/
Phone: 1-800-251-1269
WYOMING-Medicaid
Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm
WISCONSIN-Medicaid and CHIP
Phone: 1-800-362-3002
To see if any other states have added a premium assistance program since July 31, 2023, or for more information on special enrollment rights, contact either:
U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)
U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565
This coverage will be provided in a manner determined in consultation with the attending physician and the patient. Such coverage may be subject to annual deductibles and coinsurance provisions as may be deemed appropriate and are consistent with those established for other benefits under the plan or coverage. Contact Bread Financial Benefits at 1-800-260-7584 for more information.
When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with Bread Financial and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.
Your Choices
You have some choices in the way that we use and share information as we:
Answer coverage questions from your family and friends Provide disaster relief Market our services and sell your information
Our Uses and Disclosures
We may use and share your information as we:
Help manage the health care treatment you receive Run our organization Pay for your health services Administer your health plan Help with public health and safety issues Do research Comply with the law Respond to organ and tissue donation requests and work with a medical examiner or funeral director Address workers’ compensation, law enforcement, and other government requests Respond to lawsuits and legal actions
When it comes to your health information, you have certain rights. This section explains your rights and some of our responsibilities to help you.
You can ask to see or get a copy of your health and claims records and other health information we have about you. Ask us how to do this. We will provide a copy or a summary of your health and claims records, usually within 30 days of your request. We may charge a reasonable, cost-based fee.
Get a copy of health and claims records
Ask us to correct health and claims records
You can ask us to correct your health and claims records if you think they are incorrect or incomplete. Ask us how to do this. We may say “no” to your request, but we’ll tell you why in writing within 60 days.
Request confidential communications
You can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address. We will consider all reasonable requests, and must say “yes” if you tell us you would be in danger if we do not.
Ask us to limit what we use or share
You can ask us not to use or share certain health information for treatment, payment, or our operations. We are not required to agree to your request, and we may say “no” if it would affect your care.
Get a list of those with whom we’ve shared information
You can ask for a list (accounting) of the times we’ve shared your health information for six years prior to the date you ask, who we shared it with, and why. We will include all the disclosures except for those about treatment, payment, and health care operations, and certain other disclosures (such as any you asked us to make). We’ll provide one accounting a year for free but will charge a reasonable, cost-based fee if you ask for another one within 12 months.
You can ask for a paper copy of this notice at any time, even if you have agreed to receive the notice electronically. We will provide you with a paper copy promptly.
Choose someone to act for you
If you have given someone medical power of attorney or if someone is your legal guardian, that person can exercise your rights and make choices about your health information. We will make sure the person has this authority and can act for you before we take any action.
File a complaint if you feel your rights are violated
You can complain if you feel we have violated your rights by contacting us using the information on page 1. You can file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights by sending a letter to 200 Independence Avenue, S.W., Washington, D.C. 20201, calling 1-877-696-6775, or visiting www.hhs.gov/ocr/privacy/hipaa/complaints/. We will not retaliate against you for filing a complaint.
For certain health information, you can tell us your choices about what we share. If you have a clear preference for how we share your information in the situations described below, talk to us. Tell us what you want us to do, and we will follow your instructions.
In these cases, you have both the right and choice to tell us to:
Share information with your family, close friends, or others involved in payment for your care Share information in a disaster relief situation
If you are not able to tell us your preference, for example if you are unconscious, we may go ahead and share your information if we believe it is in your best interest. We may also share your information when needed to lessen a serious and imminent threat to health or safety.
In these cases we never share your information unless you give us written permission:
Marketing purposes Sale of your information
How do we typically use or share your health information?
We typically use or share your health information in the following ways.
Help manage the health care treatment you receive
We can use your health information and share it with professionals who are treating you. Example: A doctor sends us information about your diagnosis and treatment plan so we can arrange additional services.
Run our organization
We can use and disclose your information to run our organization and contact you when necessary. We are not allowed to use genetic information to decide whether we will give you coverage and the price of that coverage. This does not apply to long term care plans.
Example: We use health information about you to develop better services for you.
Pay for your health services
We can use and disclose your health information as we pay for your health services. Example: We share information about you with your dental plan to coordinate payment for your dental work.
Administer your plan
We may disclose your health information to your health plan sponsor for plan administration. Example: Your company contracts with us to provide a health plan, and we provide your company with certain statistics to explain the premiums we charge.
How else can we use or share your health information?
We are allowed or required to share your information in other ways – usually in ways that contribute to the public good, such as public health and research. We have to meet many conditions in the law before we can share your information for these purposes. For more information see: www.hhs.gov/ocr/privacy/hipaa/understanding/consumers/index.html.
Help with public health and safety issues
Preventing disease Helping with product recalls Reporting adverse reactions to medications Reporting suspected abuse, neglect, or domestic violence Preventing or reducing a serious threat to anyone’s health or safety
We can share health information about you for certain situations such as:
Do research
We can use or share your information for health research.
Comply with the law
We will share information about you if state or federal laws require it, including with the Department of Health and Human Services if it wants to see that we’re complying with federal privacy law.
Respond to organ and tissue donation requests and work with a medical examiner or funeral director
We can share health information about you with organ procurement organizations. We can share health information with a coroner, medical examiner, or funeral director when an individual dies.
Address workers’ compensation, law enforcement, and other government requests
For workers’ compensation claims For law enforcement purposes or with a law enforcement official With health oversight agencies for activities authorized by law For special government functions such as military, national security, and presidential protective services
We can use or share health information about you:
Respond to lawsuits and legal actions
We can share health information about you in response to a court or administrative order, or in response to a subpoena.
Our Responsibilities
We are required by law to maintain the privacy and security of your protected health information. We will let you know promptly if a breach occurs that may have compromised the privacy or security of your information. We must follow the duties and privacy practices described in this notice and give you a copy of it. We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind.
For more information see: www.hhs.gov/ocr/privacy/hipaa/understanding/consumers/noticepp.html.
We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be available upon request and we will mail a copy to you.
Changes to the Terms of this Notice
Other Instructions for Notice
Contact information If you have any questions about this Notice or about our privacy practices, please contact Bread Financial Benefits at (800) 260-7584 or by writing to: Benefits Department Attention: HIPAA Privacy Officer 7500 Dallas Parkway, Suite 700 Plano, TX 75024 Email: mybenefits@breadfinancial.com Effective Date This Notice is effective September 22, 2023.
Website: http://dhcs.ca.gov/hipp
HIPP Phone: 1-800-967-4660
Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP)
Email: masspremassistance@accenture.com
CHIP Website: Children's Health Insurance Program (CHIP) (pa.gov)
CHIP Phone: 1-800-986-KIDS (5437)
