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.

Benefits Overview

What Benefits Express Scripts Offers

This benefits overview provides a high-level look at some of the benefits offered to Express Scripts employees, which fall into three categories. Here is a summary of the plans and programs available to you if you decide to join Express Scripts:

1

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.

Benefits

  • Two Medical Plan Options (both include prescription drug coverage)
  • Two Dental Options
  • Vision Plan
  • Health Care FSA – up to $2,550
  • Dependent Care FSA (child and elder care) – up to $5,000
  • Guidance Resources, our Employee Assistance Program (EAP)

2

Peace of Mind

Our benefits program includes valuable life and disability insurance coverage to help protect our employees and their families from the unexpected, plus a 401(k) Savings Plan, Stock Purchase Plan, and free financial counseling to help them prepare for the future. 

Benefits

  • Paid Time Off (PTO)
  • Holidays
  • Leave of Absences
  • Tuition assistance
  • Adoption assistance
  • Employee Discounts
  • Auto and Home Insurance through Met Life
  • Hyatt Legal Services
  • And much more

3

A Better Life

As a company focused on our employees’ well-being, 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. 

Benefits

  • Two Medical Plan Options (both include prescription drug coverage)
  • Two Dental Options
  • Vision Plan
  • Health Care FSA – up to $2,550
  • Dependent Care FSA (child and elder care) – up to $5,000
  • Guidance Resources, our Employee Assistance Program (EAP)

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 on the first day of the second calendar month that begins after your hire date, as long as you enroll on a timely basis. For example, if you start on January 10, your benefits begin on March 1.

Eligible Dependents

Eligible family members* include:

  • Your legal spouse (including same-sex spouses if married in a state that allows marriage, but not common-law spouses).
  • Your eligible same-sex and opposite-sex partner, as well as his or her children.
  • Children by birth or adoption, stepchildren, foster children, 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 reached 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. That’s important for you and the Company.

The Consumer Choice 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 Minimum Value Option offers basic coverage at a lower cost. It ensures you have some level of protection in the event that something happens and you need care.

Both medical options include prescription drug coverage.

If you enroll in the Consumer Choice Option, you automatically have a Health Reimbursement Account (HRA) that is funded by Express Scripts that will cover half of your annual Consumer Choice Option deductible.*

When you enroll in Consumer Choice Option for… Your Annual Deductible is… Your HRA is funded by Express Scripts (and applied to expenses first)…* Your Remaining Deductible (what you spend out of pocket) is…
Employee only $2,000 $1,000 $1,000
Employee + spouse/partner or child $3,000 $1,500 $1,500
Employee + children or family $4,000 $2,000 $2,000

When you or your provider submits claims under Consumer Choice, your HRA is automatically applied to your covered medical expenses.

Medical Plan Comparison Chart

  Consumer Choice Option Minimum Value Option
Employee contributions Higher Lower
  Network Non-Network Network Non-Network
Preventive care 100% Not covered 100% Not covered
Deductibles
Employee only $2,000* $2,500 $7,000
Employee + spouse/partner or child $3,000* $4,500 $9,000
Employee + children or family $4,000* $6,500 $11,000
Health Reimbursement Account (HRA) to help you meet medical deductible and pay medical expenses
Employee only $1,000* None
Employee + spouse/partner or child $1,500*
Employee + children or family $2,000*
Out-of-pocket max (includes your deductible and coinsurance)
Employee only $3,500 $7,000 $4,625 $9,250
Employee + spouse/partner or child $5,250 $10,500 $9,250 $18,500
Employee + children or family $7,000 $14,000 $9,250 $27,500
Office Visits: Primary Care Physician or Specialist 80% after deductible 50% after deductible 50% after deductible 40% after deductible
Emergency Room Visit 80% after deductible 50% after deductible
Urgent Care Visit 80% after deductible 50% after deductible 50% after deductible 40% after deductible
Chiropractor Visits (up to 20 per year) 80% after deductible 50% after deductible 50% after deductible 40% after deductible
Infertility Services 80% after deductible Not covered 50% after deductible Not covered
Lab and X-ray 80% after deductible 50% after deductible 50% after deductible 40% after deductible
Inpatient Hospital/Surgery 80% after deductible 50% after deductible 50% after deductible 40% after deductible
Outpatient Hospital/Surgery 80% after deductible 50% after deductible 50% after deductible 40% after deductible
Mental Health/Substance Abuse 80% after deductible 50% after deductible 50% after deductible 40% after deductible

* These amounts are pro-rated for new hires during the year based on when you are eligible for benefits.

To view the Anthem Provider network:

  1. Go to anthem.com.
  2. Under Useful Tools on the right, select Find a Doctor.
  3. Under Search by selecting a plan/network, go to Select a state. Enter the name of your state or select it from the drop-down list.
  4. Under Select a plan/network, scroll to “Medical – Employer Sponsored”, enter the name of your plan/network or select it from the drop-down list then choose from:
    • Missouri: Select - Blue Access Choice (St Louis) (Alternate Network)
    • Florida: Select - NetworkBlue (Alternate Network)
    • All others: National PPO (BlueCard PPO)
    Select and Continue.
  5. Using the drop-down boxes, select what type of doctor and the location you’re looking for, then select Search.
  6. For more info about a provider (like skills and training), select that name in the directory.

Prescription Drug Coverage

When you enroll in either 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 RiteAid, Walmart and Target; the Non-Preferred Network also includes CVS. Neither network includes Walgreens. You decide which network to use when you fill a prescription.

  Consumer Choice Option Minimum Value Option
  Generic Formulary Non-Formulary Generic Formulary Non-Formulary
Retail (up to 30-day supply) Preferred Network $10 copay $25 copay 50% ($40 min/$100 max) $15 copay $30 copay 50% ($50 min/$100 max)
Retail (up to 30-day supply) Non-Preferred Network $15 copay $35 copay 60% ($50 min/$120 max) $20 copay $40 copay 60% ($50 min/$120 max)
Home Delivery
(up to 90-day supply)
$20 copay $50 copay 50% ($80 min/$200 max) $30 copay $60 copay 50% ($100 min/$200 max)
Prescription Drug
Out-of-Pocket Maximum
$1,725 per person up to $3,950 $1,725 per person up to $3,950

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. Covered services include fillings, root canals, bridges and dentures. The Basic Plus Option covers orthodontia for dependent children through age 18. The chart below includes some of the services and how they are covered.

  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, root canals, extractions, etc.) 70% 60% 50% 90% 80% 60%
Major (crowns, bridges, dentures, etc.) 60% 50% 40% 60% 50% 40%
Annual benefit maximum $1,000 per person per calendar year $1,500 per person per calendar year
Orthodontia (Children only through age 18) Not covered 60% 50% 40%
Lifetime orthodontia benefit maximum Not applicable $1,500 per covered dependent through age 18; 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.

  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
Photocramic/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 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), paid 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. You should request PTO days in advance with your supervisor, whenever possible.

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)

Holidays

Eligible employees receive six paid holidays each calendar year based on the number of hours you are scheduled to work each week. Express Scripts observes the following holidays:

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

Leaves of Absences

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 receive a discount of $50 per month off of your medical coverage if you are tobacco-free or participating in a company-sponsored or physician-certified tobacco cessation program. (You will need to certify that you are tobacco-free during enrollment.)
Consumer Choice Option + Prescription Drug Coverage Monthly Contributions (pre-tax)
Annual Salary Employee only Employee + spouse/partner Employee + child or children Family Non-tobacco user​
$0 - $39,999 $110.00 $170.00 $164.00 $230.00

Subtract $50 from contribution for non-tobacco users

$40,000 - $59,999 $133.00 $216.00 $208.00 $299.00
$60,000 - $79,999 $156.00 $262.00 $251.00 $368.00
$80,000 - $99,999 $179.00 $308.00 $295.00 $437.00
$100,000 - $139,999 $202.00 $354.00 $339.00 $506.00
$140,000+ $225.00 $400.00 $383.00 $575.00
Minimum Value Option + Prescription Drug Coverage Monthly Contributions (pre-tax)
Annual Salary Employee only Employee + spouse/partner Employee + child or children Family Non-tobacco user​
$0 - $39,999 $85.00 $120.00 $117.00 $155.00

Subtract $50 from contribution for non-tobacco users

$40,000 - $59,999 $116.00 $182.00 $175.00 $248.00
$60,000 - $79,999 $134.00 $218.00 $210.00 $302.00
$80,000 - $99,999 $152.00 $254.00 $244.00 $356.00
$100,000 - $139,999 $170.00 $290.00 $278.00 $410.00
$140,000+ $188.00 $326.00 $312.00 $464.00

Dental

Monthly Contributions (pre-tax) Basic Plan Basic Plus Plan
Employee only $11.90 $18.74
Employee + spouse/partner $26.87 $42.39
Employee + child or children $22.66 $35.57
Employee + family $38.98 $61.05

Vision

Monthly Contributions (pre-tax)
Employee only $6.99
Employee + spouse/partner $13.18
Employee + child or children $13.86
Employee + family $20.33
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