Health

PPO Plan option: Offers lower deductibles and out-of-pocket maximums in exchange for you paying a higher monthly premium.

Consumer Plan option: Has higher deductibles and out-of-pocket maximums in exchange for you paying a lower monthly premium. In addition, the Consumer Plan includes a company contribution to a Health Savings Account (HSA). Only employees enrolled in the plan effective Jan. 1 of the plan year are eligible for the HSA company contribution.

Spousal Surcharge Please note that a surcharge will be applied to your spouse enrolled in Westlake medical coverage unless you attest during enrollment that he or she doesn’t have access to employer-provided medical coverage.

With Sydney, you have one-click access to everything you need to know about your Anthem benefits — personalized and all in one place.

With LiveHealth Online, care from a board-certified doctor is just a click or call away. Offered as part of your Anthem Blue Cross and Blue Shield benefits, LiveHealth Online offers 24/7 access to health care. All you need is a computer, smartphone or tablet.

Teladoc Medical Experts is a confidential second opinion service that provides you and your covered dependents covered under a Westlake medical plan with access to world-renowned physicians who can help ensure that you are getting the right care. Teladoc Medical Experts supports the work of your own doctor(s) through:

1. In-depth medical review: Teladoc Medical Experts will provide an expert second opinion by conducting a full review of your diagnosis and treatment plan.
2. Critical Care Support: if you require emergency treatment, intensive care, or an extended hospital stay, Teladoc Medical Experts can provide an expert to work with your local medical team and help you get the best care.
3. Ask the expert: If you have basic questions about your medical condition or treatment plan, you can get advice from expert physicians in the Teladoc Medical Experts network.

SurgeryPlus is a supplemental surgical benefit that provides high-quality, personalized care when you or your covered dependents need a surgical procedure. This full concierge service provides access to some of the best board-certified Surgeons/Centers of Excellence at pre-negotiated bundled rates. Here’s how it works:

1. When your doctor recommends surgery, you call SurgeryPlus.
2. Your SurgeryPlus Care Coordinator will help you find a top-quality, board-certified surgeon, set up your initial consultation, and walk you through the planning process.
3. SurgeryPlus will negotiate all costs before your surgery. You pay your regular plan deductible (if applicable) and Westlake pays all other costs (i.e. no co-insurance is due) for the procedure.
4. SugeryPlus coordinates the entire process, including any required travel.

Physera offers virtual therapy for musculoskeletal issues. Receive individualized care delivered by licensed physical therapists through the convenience of a smart phone at no cost to you or your covered dependents.

Generic drugs have the same active ingredients as brand-name drugs but often cost considerably less. Typically, a prescription will be filled with a generic drug if one is available, even if a brand name is written on the prescription — unless your doctor specifically instructs otherwise.

Preferred brand drugs are brand-name drugs that have been carefully selected by CVS/caremark on the basis of their value as quality medications while helping to lower the cost of prescription drug benefits.

Non-preferred brand drugs are brand-name drugs that aren’t on the CVS/caremark preferred drug list. They usually cost more than preferred drugs.

Delta Dental: Delta Dental’s network providers have agreed to provide their services at contracted rates that are usually lower than out-of-network rates.

VSP: VSP network providers offer savings on frames, lenses, contacts, eye exams, and more.

To help you get in shape, Cigna, our life insurance provider, is offering access to its Active&Fit Direct^™ program.

How an HSA Compares with Our Health Care Flexible Spending Account (FSA) While an HSA and Health Care FSA both let you pay eligible health care expenses with tax-free dollars, different IRS regulations apply to each account. To see how these two tax-advantaged accounts compare, click here.

Health Care FSA: Allows you to set aside tax-free dollars to pay for eligible health care expenses not covered by your health care plans for yourself and your eligible dependents. You cannot enroll in the Health Care FSA if you are enrolled in the Consumer Plan.

Dependent Care FSA: Allows you to set aside tax-free dollars to pay for eligible dependent care expenses so that you (and your spouse, if you’re married) can work.

• 24/7 access to trained mental health professionals
• Assessment and referral services
• Face-to-face counseling sessions
• Online counseling
• Work/life services, including elder care, child care and legal/financial resources

For more details on EAP services, contact your local HR Department. To access EAP services, contact Resources for Living.

If you have any questions about your COBRA rights or coverage, contact the Westlake Total Rewards Team at 1-800-284-0270 or by mail at 2801 Post Oak Boulevard, Suite 600, Houston, Texas 77056.