Your benefits at-a-glance

At Express Scripts, our plans have been designed with employees in mind – offering resources to support their health and well-being, and affordable choices that give them the flexibility to select what best meets their needs.

This benefits overview provides a high-level look at some of the benefits offered to Express Scripts employees, which fall into two categories:

Health and well-being

Express Scripts offers competitive health and well-being benefits with an emphasis on providing access to high-quality, affordable choices for our employees and their families. Our program includes valuable tools and resources that empower our employees to make good decisions along the way. But well-being is about more than good health. That is why our benefits also include life insurance for our employees and their families, disability coverage, a 401(k) Savings Plan, Stock Purchase Plan, and free financial counseling to help prepare for the future.

Work and life benefits

Our Total Rewards program includes competitive paid time off benefits and other programs that help our employees live a more well-balanced life such as tuition reimbursement, discounts and health advocacy services.

What benefits Express Scripts offers

Here is a summary of the plans and programs available to you if you decide to join Express Scripts:

Health and well-being benefits

  • Three Medical Plan Options (All three include prescription drug coverage and Telemedicine)
  • Two Dental Options
  • Vision Plan
  • Health Care FSA – up to $2,550
  • Health Savings Account (HSA)
  • Limited Use Health Care FSA - for those who enroll in the HSA Saver Medical Option
  • Dependent Care FSA (child and elder care) – up to $5,000
  • GuidanceResources®, our Employee Assistance Program (EAP)*
  • Company-paid basic Life and AD&D coverage for full-time employees – one times base salary up to $1,000,000
  • Company-paid basic Life and AD&D for Part time and per diem - $15,000 (certain restrictions apply)
  • Optional life insurance coverage for yourself, your spouse/partner and/or your children (evidence of insurability may apply)
  • Short- and Long-Term Disability coverage and no cost to you
  • Additional voluntary Long-Term Disability coverage option
  • 401(k) Savings Plan
  • Ayco Financial Counseling

Work and life benefits

  • Paid Time Off (PTO)
  • Holidays
  • Leaves of Absence
  • Tuition Assistance*
  • Adoption Assistance*
  • Employee Discounts
  • Auto and Home Insurance through MetLife
  • Hyatt Legal Services
  • And much more

Not all of the benefits listed above are available to bargained employees

*Available to Part-time and per diem employees

When benefits start

and who you can cover

You are eligible for health and welfare benefits if you are regularly scheduled to work at least 30 hours per week.

Benefits take effect the first of the month following date of hire or rehire, as long as you enroll on a timely basis. For example, if you start on Jan. 10, your benefits begin on February 1.

Eligible dependents

Eligible family members include:

  • Your legal spouse including common law
  • Your eligible same-sex and opposite-sex partner, as well as his or her children.
  • Children by birth or adoption, stepchildren, children for whom you are the legal guardian and any children covered under a Qualified Medical Child Support Order (QMCSO) under age 26.
  • Children age 26 and older who are not able to care for themselves due to physical or mental disability that started and are covered by our plan before they reach age 26.

Medical coverage

Our medical plan offerings are designed to keep quality care affordable while offering you flexibility and support for your overall well-being.

The HSA Saver Option

Offers comprehensive coverage with a Health Savings Account (HSA) to help you save and pay for your eligible out-of-pocket expenses.

The HRA Traditional Option

Offers comprehensive coverage with a Health Reimbursement Account (HRA) to help you meet your annual deductible and pay your share of eligible medical expenses.

The HRA Value Option

Offers basic coverage at a lower cost. It ensures you have some level of protection in the event that something happens to you.

You can also earn well-being incentives – up to $500 when you complete certain well-being activities throughout the year.

Activity Incentive
Complete the Well-Being Assessment $100
Complete the biometric screening $125
Get a preventative medical exam $225
Complete an Ignite Your Life coaching Program (max of two) $50 per program ($100 Maximum)
Engage and complete goals with Anthem nurse for a complex health condition $50 for engagement and $50 for completion ($100 maximum)
Complete Live Health Online/Teladoc profile or download the app $50
Set up Guidance Resources ID and profile $50
Total Potential Incentives (you may pick any combination from the above list) $500 Maximum

All three medical options include prescription drug coverage and Telemedicine. With Telemedicine You will be able to video chat with a doctor through your mobile device or your own computer with a webcam, no matter where you are. Doctors are available 24/7, 365 days a year for non-emergency health care needs.

To view the Anthem Provider network:

  1. Go to anthem.com.
  2. Under Resources, select Find a Doctor.
  3. Under Search as a Guest, click Continue and complete the fields on the next screen. Under “How do you get insurance", choose Through my employer, then enter your state, select Medical under “What type of care are you looking for”, and choose the plan/network listed below:
    • Missouri: Select - Blue Access Choice (St Louis) (Alternate Network)
    • Florida: Select - NetworkBlue (Alternate Network)
    • All others: National PPO (BlueCard PPO)
    Select and Continue.
  4. Using the drop-down boxes, select what type of doctor and the location you’re looking for, then select Search.
  5. For more info about a provider (like skills and training), select that name in the directory.

Medical plan comparison

  HRA Traditional Option HSA Saver Option HRA Value Option
  In / Out-of-network In / Out-of-network In / Out-of-network
Preventive care 100% / Not covered 100% / Not covered 100% / Not covered
Funding levels Company contribution to help you pay medical expenses Company contribution to help you pay medical expenses No Company Contribution
Employee only $500 into your HRA $500 into your HSA N/A
Employee + spouse/partner or child(ren) $1,000 into your HRA $1,000 into your HSA N/A
Employee + family $1,500 into your HRA $1,500 into your HSA N/A
  Additional Well Being dollars you can earn in your account Additional Well Being dollars you can earn in your account Well Being dollars you can earn in your account
All levels for employee (only employees can earn the incentive dollars) $500 in your HRA $500 in your HSA $500 in your HRA
Annual deductible In / Out-of-network In / Out-of-network In / Out-of-network
Employee only $2,000 / $4,000 $2,400 / $4,800 $2,500/ $5,000
Employee + spouse/partner or child $3,000 / $6,000 $3,600 / $7,200 $4,500 / $9,000
Employee + family $4,000 / $8,000 $4,800 / $9,600 $6,500 / $13,000
Out of pocket (including deductible) In / Out-of-network In / Out-of-network In / Out-of-network
Employee only $3,500 / $7,000 $4,800 / $9,600 $4,625 / $9,250
Employee + spouse/partner or child $5,250 / $10,500 $7,200 / $14,400 $9,250 / $18,500
Employee + family $7,000 / $14,000 $9,600 / $19,200 $9,250 / $18,500
Coinsurance 90% PCP; 80% otherwise 90% PCP; 80% otherwise 90% PCP; 75% otherwise

Prescription drug coverage

When you enroll in any medical option, you’ll automatically receive prescription drug coverage. The plan includes two retail pharmacy networks – the Preferred Network with lower costs and the Non-Preferred Network with more pharmacy choices but higher prescription costs.

The Preferred Network includes nationally known pharmacies like Walgreens and Walmart. The Non-Preferred Network includes many local pharmacies and supermarkets. Neither network includes CVS, Target or RiteAid. You decide which network to use when you fill a prescription.

Prescription benefits and your annual deductible

When you enroll in HRA Traditional or HRA Value options

Your prescription drug coverage costs do not count toward your medical annual deductible or annual out-of-pocket maximum and cannot be paid from the HRA. You pay a copay or coinsurance for each prescription you fill. There is a separate prescription drug annual out-of-pocket maximum on these plans; and, you can use the Health Care FSA for these expenses by using your FSA Payment Card at the pharmacy or home delivery.

When you enroll in the HSA Saver

Unlike the other medical options, non-preventive prescription drugs are subject to the annual combined medical and prescription deductible, coinsurance and annual out-of-pocket maximum. This means you pay 100% of the cost of the prescription drugs until you reach your annual combined medical and prescription drug deductible. If you use a preferred network pharmacy the cost of the prescription drugs will be less than if you use a non-preferred pharmacy. Then, you pay copays and coinsurance until you meet your annual out-of-pocket maximum. Be sure to talk with your doctor about the most cost-effective drug for your needs.

Benefit Spotlight: GuidanceResources®

Whether you need to plan a weekend getaway, make a major purchase, get out of debt or deal with personal issues you and your family may face, GuidanceResources® is there to help.

You may have thought of this as an employee assistance program in the past, but it’s much more. Your GuidanceResources® team includes work-life specialists, attorneys, CPAs and highly trained counselors. Services are confidential and provided at no charge to you.

Prescription drug plan comparison

  HRA Traditional and HRA Value Options HSA Saver Option
Prescription drug type Generic Formulary Non-formulary All
Retail Preferred Network (up to a 30-day supply) $10 copay $35 copay You pay 50% coinsurance
Minimum: $60
Maximum: Unlimited
Generic Preventative Drugs: You pay copays and coinsurance without meeting your deductible
Retail-Non-Preferred Network (up to a 30-day supply) $20 copay $45 copay You pay 50% coinsurance
Minimum: $70
Maximum: Unlimited
Non-Preventive Drugs: After meeting the annual combined medical and prescription deductible then you pay the copays and coinsurance listed in the chart
Home delivery (up to a 90-day supply) $20 copay $70 copay You pay 50% coinsurance
Minimum: $60
Maximum: Unlimited
Specialty drug (up to 90-day supply) You pay 10% coinsurance
Maximum: $100
You pay 20% coinsurance
Maximum: $250
You pay 20% coinsurance.
Maximum: $400
Prescription out-of-pocket maximum for HRA Traditional and HRA Value $1,725 per person up to $3,950 Not applicable

Visit express-scripts.com to find participating pharmacies.

Well-being program

All of us at Express Scripts focus on caring for our patients, and we need to take that same care when it comes to our own well-being. We offer the Express Scripts Thrive Well-being program to help ensure we are supporting you with the programs, tools and resources that may help you make a difference in your own health. We’ll also reward you for completing certain well-being activities throughout the year. If you enroll in an Express Scripts medical option, you can earn incentives by completing the well-being activities below :

Thrive Well-being incentives

Activity Amount
Complete the well-being assessment $125
Complete a biometric screening $125
Get preventative medical exam (annual checkup) $250
Complete LiveHeath Online/Teladoc profile $50
Complete a Lifestyle Management program (maximum of two) $50 per program ($100 maximum)
Engage and complete goals with the Anthem Nurse for a complex health condition (e.g., cancer, diabetes, heart disease, etc.) $50 for engagement and $50 for completion ($100 maximum)
Total Potential Incentives (you may pick any combination from the above list) $500 maximum

Well-being incentives will be deposited tax-free into either your Health Savings Account or Health Reimbursement Account, depending on your medical option.

Dental coverage

Express Scripts offers comprehensive and affordable dental coverage by providing two dental plan options through Delta Dental of Missouri. Both plans encourage regular exams and cleanings by covering preventive care at 100% in-network. Preventive services, such as exams and cleanings are not applied to your annual benefit maximum.

Covered services include:

  • Fillings
  • Root canals
  • Bridges
  • Dentures
  • Orthodontia for dependent children through age 18 (Basic Plus Option only)

The chart below includes some of the services and how they are covered:

Dental plan comparison

  Basic Option Basic Plus Option
  PPO network Premier network Non-network PPO network Premier network Non-network
Annual deductible (basic and major service) $50 per person per calendar year; maximum $150 per family
Covered services
Preventive and diagnostic (routine exams, x-rays and cleanings, etc.) 100% 100% 80% 100% 100% 80%
Basic (fillings, extractions, etc.) 70% 60% 50% 90% 80% 60%
Major (crowns, bridges, dentures, etc.) 50% 40% 30% 60% 50% 40%
Annual benefit maximum $1,000 per person per calendar year $1,500 per person per calendar year
Orthodontia (Adults & Children) Not covered 60% 50% 40%
Lifetime orthodontia benefit maximum Not applicable $1,500; separate $50 deductible

Vision coverage

The vision plan helps you pay for eye exams, lenses and frames. When you use eye care professionals in the EyeMed network, the plan covers exams and lenses – and gives you a one-time allowance for each 12 months toward the cost of frames or contacts.

Vision plan comparison

  Member cost in-network Reimbursement for
non-network care
Exam – once every 12 months
  $0 copay $30
Contact lens exam options
Standard contact lens fit and follow-up Up to $40 N/A
Premium contact lens fit and follow-up 10% off retail price N/A
Frames – once every 12 months
  $0 copay; up to $150 allowance and 20% off balance over $150 $50
Standard plastic lenses*
Single vision $10 copay $25
Bifocal $10 copay $40
Trifocal $10 copay $54
Standard progressive lens $75 $40
Lens options – once every 12 months
UV treatment $15 N/A
Tint (solid and gradient) $15 N/A
Standard plastic scratch coating $0 copay $5
Standard polycarbonate $40 N/A
Standard anti-reflective coating $45 N/A
Polarized 20% off retail price N/A
Photochromic/transitions plastic $75 N/A
Other add-ons 20% off retail price N/A

* Plan allows either glasses or contacts in any 12-month period.

Financial benefits and life programs

Below is a summary of benefits to help your save for the future and enhance your well-being.

The 401(k) Savings Plan

You can contribute up to 50% of your pre-tax pay – including base pay, overtime and bonuses – and Express Scripts will match $1 for every $1 you contribute, up to a maximum of 6% per pay period after you have completed one year of service. Don’t miss out on the match!

Employee Stock Purchase Plan (ESPP)

You can enroll to purchase Company stock at a 5% discount below the stock price through payroll deductions. Open enrollment is held four times a year – March, June, September and December.

Optional Long-Term Disability (LTD) coverage

You can purchase voluntary LTD coverage that provides you 60% of base salary until you are eligible for the company-paid plan at 12 months of service. After 12 months of service, you will be eligible to purchase the additional buy-up option that can increase your benefit to 66 2/3% of your base salary.

Tuition assistance

Eligible employees can participate in the Tuition Assistance Program, which covers up to $5,250 per year in eligible expenses including tuition, registration fees, and laboratory and technology fees.

Paid time off (PTO), holidays and leaves of absence

Having time away to recharge and connect with your family, friends and community is important to a well-balanced life. Express Scripts offers paid time off (PTO), holidays and leave options for you to do just that.

PTO

Employees who are regularly scheduled to work 30 hours or more each week are eligible for PTO. PTO can be used for vacation, sick time or personal time off. Eligible employees can accrue PTO hours each pay period based on years of service and job grade, as noted in the chart below. Non-exempt employees accrue PTO for each hour work is performed, excluding overtime and pay for an approved absence. Full-time exempt employees accrue PTO based on their scheduled hours per pay cycle, excluding unpaid time off.

You are able to roll over unused PTO hours, up to a maximum of 280 hours.

Number of years of service Maximum accrual per year of service*
0-3 (0-35 service months) 160 hours (20 days)
4 (36-47 service months) 176 hours (22 days)
5-9 (48-107 service months) 208 hours (26 days)
10+ (108+ service months) 240 hours (30 days)

Directors and above

Number of years of service Maximum accrual per year of service*
0-4 (0-47 service months) 176 hours (22 days)
5-9 (48-107 service months) 208 hours (26 days)
10+ (108+ service months) 240 hours (30 days)

Six paid holidays*

Express Scripts observes the following holidays:

  • New Year’s Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Thanksgiving Day
  • Christmas Day

*Holidays based on number of scheduled work hours per week.

Leaves of absence

Express Scripts provides the following leaves of absences to eligible employees:

  • Military
  • Jury duty
  • Bereavement
  • Personal
  • Unpaid medical
  • Family medical leave

Your costs for coverage

Medical plan options (with prescription drug)

What employees at Express Scripts pay for medical coverage depends on three primary factors:

  1. Your salary. We base employee contributions on annual salary. Those who make more pay more, which allows us to keep the cost of coverage affordable for all employees.
  2. Who you choose to cover. The more family members you choose to cover, the higher your monthly contributions will be. You can choose to cover yourself, your spouse/partner and/or any eligible dependents. You’ll pay $100 extra per month to cover a spouse or partner if that person has access to another employer’s coverage.
  3. Whether you use tobacco. You will pay an additional $50 per month surcharge for medical coverage.

HRA Traditional Option + prescription drug coverage monthly contributions (pre-tax)

Annual salary Employee only Employee + spouse/partner Employee + child or children Family Tobacco user
$0 - $39,999 $68.00 $139.00 $129.00 $211.00

Add $50 surcharge to the contribution for tobacco users

$40,000 - $64,999 $95.00 $195.00 $181.00 $295.00
$65,000 - $79,999 $116.00 $237.00 $220.00 $359.00
$80,000 - $109,999 $136.00 $279.00 $259.00 $422.00
$110,000 + $170.00 $349.00 $323.00 $527.00
Benefit Spotlight: Guidance Resources Healthy Guidance Tobacco Cessation Program

Ready to quit using tobacco? Employees can sign up to participate in a Guidance Resources Healthy Guidance program featuring:

  • One-on-one phone counseling from experienced health coaches
  • Interactive web tools and support
  • Coverage for prescribed medications in addition to over-the-counter products like patches and gum
  • Educational resources and personal support

As an Express Scripts employee, the company will offer this confidential, voluntary program at no cost to you, your spouse/partner and any dependents age 18 and older.

HRA Value Option + prescription drug coverage monthly contributions (pre-tax)

Annual salary Employee only Employee + spouse/partner Employee + child or children Family Tobacco user
$0 - $39,999 $40.00 $82.00 $76.00 $124.00

Add $50 surcharge to the contribution for tobacco users

$40,000 - $64,999 $56.00 $115.00 $106.00 $173.00
$65,000 - $79,999 $68.00 $139.00 $129.00 $211.00
$80,000 - $109,999 $80.00 $164.00 $152.00 $248.00
$110,000 + $100.00 $205.00 $190.00 $310.00

HSA Saver Option + prescription drug coverage monthly contributions (pre-tax)

Annual salary Employee only Employee + spouse/partner Employee + child or children Family Tobacco user
$0 - $39,999 $54.00 $112.00 $103.00 $169.00

Add $50 surcharge to the contribution for tobacco users

$40,000 - $64,999 $76.00 $156.00 $145.00 $236.00
$65,000 - $79,999 $93.00 $190.00 $176.00 $287.00
$80,000 - $109,999 $109.00 $223.00 $207.00 $337.00
$100,000 + $136.00 $279.00 $259.00 $422.00

Dental

Monthly contributions (pre-tax) Basic Plan Basic Plus Plan
Employee only $12.38 $21.44
Employee + spouse/partner $27.96 $48.42
Employee + child or children $23.57 $40.84
Employee + family $40.56 $70.24

Vision

Monthly contributions (pre-tax)
Employee only $6.88
Employee + spouse/partner $12.97
Employee + child or children $13.64
Employee + family $20.01
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