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, 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, 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, voluntary benefits, 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 annual IRS limit
  • Health Savings Account (HSA) - up to annual IRS limit
  • 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
  • Guidance Resources, 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 at 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
  • Accident Insurance*
  • Hospital Confinement Insurance*
  • Identity Theft Insurance*
  • Student Loan Refinancing*
  • Lactation support*
  • Breast milk shipping service when traveling for Express Scripts*
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 were covered by our plan before they reached age 26 and who are not able to care for themselves due to physical or mental disability that began 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. The plans are administered by either Anthem or Cigna depending on your home zip code. If you live in one of these ZIP CODES your administrator will be Cigna. If you live in Ohio, you may also choose coverage through Medical Mutual of Ohio (MMO).

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 with our Thrive Well–Being program up to $500 when you complete certain well-being activities throughout the year if you are enrolled in an Express Scripts Medical option. Even if you don’t enroll in an Express Scripts medical option you can take advantage of the tools and resources on the Thrive portal to support your well-being journey.

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 Provider networks:

  • For Anthem partcipants go to anthem.com.
  • Under Resources, select Find a Doctor.
  • 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:
  • For employees in… Select Plan Type/Network: Select Plan Name:
    Kansas City Advantage Network Preferred-Care Blue (KC)
    New York Advantage Network Empire POS
    Wisconsin Advantage Network Blue Preferred POS
    Florida Advantage Network Network Blue
    Missouri Advantage Network Blue Access Choice (St. Louis)
    All others: National PPO (BlueCard PPO)
    Select and Continue.
  • Using the drop-down boxes, select what type of doctor and the location you’re looking for, then select Search.
  • For more info about a provider (like skills and training), select that name in the directory.
  • For Cigna participants go to Cigna.com and click find a doctor on the upper right side of screen.
    • Choose the second box (orange box) “For Plans Offered through Work or School”
    • Select a Plan: Medical
    • Choose Network: Open Access Plus, OA Plus, Choice Fund OA Plus
  • For Medical Mutual of Ohio (MMO) participants: go to medmutual.com.
    • Select Employers – top right of screen
    • Find a Doctor
    • Choose Just Looking Around on the right
    • Select Group, then Super Med PPO

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 healthcare 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
Well-Being 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) $25 copay $87.50 copay You pay 50% coinsurance
Minimum: $150
Maximum: Unlimited

Specialty drug (up to 90-day supply) You pay 10% coinsurance
Maximum: $100
You pay 20% coinsurance
Maximum: $150
You pay 20% coinsurance.
Maximum: $250
Prescription out-of-pocket maximum for HRA Traditional and HRA Value $1,725 per person up to $3,950 Not applicable for the HSA plan

Visit express-scripts.com to participating pharmacies.

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 (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
Standard plastic scratch coating
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

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!

Optional Long-Term Disability (LTD) coverage

You will be eligible to purchase the additional buy-up option that can increase your benefit up to 66 2/3% of your base salary.

Tuition assistance

Eligible full-time 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. Part-time and per diem employees are eligible for up to $2,500 per year in eligible expenses.

Voluntary Benefits

Extra insurance protection will be available through Voya that provides a cash benefit if you get into an accident or have to stay in the hospital. Elect identity theft protection through InfoArmor to monitor and safeguard your data to proactively detect and prevent identity theft before it happens.

Your costs for coverage

Medical plan options (with prescription drug)

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

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.

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.

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 $72 $152 $137 $231

Add $50 surcharge to the contribution for tobacco users

$40,000 - $64,999 $101 $212 $192 $323
$65,000 - $79,999 $123 $258 $233 $393
$80,000 - $109,999 $144 $303 $274 $462
$110,000 + $180 $379 $343 $577

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 $42 $89 $81 $136

Add $50 surcharge to the contribution for tobacco users

$40,000 - $64,999 $59 $125 $113 $190
$65,000 - $79,999 $72 $151 $137 $231
$80,000 - $109,999 $85 $178 $161 $271
$110,000 + $106 $223 $201 $339

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 $58 $121 $110 $185

Add $50 surcharge to the contribution for tobacco users

$40,000 - $64,999 $81 $170 $154 $259
$65,000 - $79,999 $98 $206 $186 $314
$80,000 - $109,999 $115 $243 $219 $370
$110,000 + $144 $303 $274 $462

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