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Understanding Skanska's Medical Plan Offerings
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Medical Enrollment Options
Skanska is committed to providing you and your family with a wide variety of best-in-class insurance coverage options throughout all stages of your career and life. Our benefit portfolio focuses on inclusive and whole health and ensures you can make personalized coverage decisions based on what has most value to you and your family. Below we have a quick overview of each plan type. Additionally, each page above links to scenarios to help inform your decisions. Select your coverage tier from the menu above to explore your medical plan options.
Skanska is committed to best-in-class insurance coverage options throughout all stages of your career and life.
This tool is based on sample scenarios and is for illustrative and educational purposes only. This purpose of this tool is to demonstrate how the same care scenario results in varying member costs and out of pocket responsibilities under each Skanska medical plan. This tool is not intended to serve as a recommendation for which plan will best meet your needs, or which plan to select during Open Enrollment.
Enroll, modify or review your benefits here.
www.benxpress.com/skanska
Benefits Programs
Employee + Spouse/ Partner
Employee + Child
Employee + Children
Family
Disclaimer: These highlights summarize the Skanska Benefits Program in non-technical language. Your specific rights to benefits under the program are governed solely by the official plan documents and not the information contained above. In the event of discrepancies between what is included above and the official plan documents, the plan documents prevail as accurate. Refer to the plan documents for further detail.
Employee Only
Preventative Care
All three plans include free preventive care for all employees and dependents enrolled in the plans.
Anthem Network
All three plans use the same expansive Anthem network. No plan offers an advantage over the others when it comes to what doctors, facilities or pharmacies participate in-network
Coverage and Prescriptions
All three plans have the same list of covered health care services and prescription drugs. Though the level of coverage varies on each plan, there is no service or prescription drug that is covered on one plan but not another.
Specalist Referrals
None of the plans require referrals to see specialists
Overview of Skanska’s PPO plans:
Overview of Skanska HDHP plan:
If you enroll in a PPO plan, you’ll pay higher premiums to have the plan. But you’ll have lower costs when you use the plan. On our PPO plans, most services require only a copay at the time the care is received. Some services may require you satisfy a minimal deductible, which means you’ll pay the full cost of the service until you’ve met the deductible. After you pay the applicable copay or deductible, all in-network services and prescription drugs are covered 100% by Anthem. The primary advantage of PPO plans is the low out of pocket cost when you use the plan. But you should also assess how this low cost of care balances against the high contributions that are deducted from your paycheck to have the plan.
If you enroll in the HDHP plan, you’ll pay the lowest premiums to have the plan. But you’ll have a highest costs when you use the plan. On the HDHP plan, all services are subject to the deductible. This means you’ll be responsible for paying the full cost of all services or prescriptions drugs out of pocket until you’ve met the deductible. After you meet the deductible: - All in-network services on the HDHP plan are covered 80% by Anthem. This means you’ll receive a bill for the remaining 20% of the cost. - All prescription drugs are covered 100% by Anthem after you pay the applicable copay. As you pay your deductible, copay and 20% coinsurance amounts, Anthem tracks these out-of-pocket costs. If at any point your costs meet the out-of-pocket maximum on the plan, Anthem will pay 100% of the costs of your care and prescriptions through the end of the year. One advantage of the HDHP plan is the low cost to have the plan. But you should assess how these low contributions from your paycheck balance against the higher costs you’re responsible at time of care. An additional advantage of the HDHP plan is your ability to contribute to a Health Savings Account (HSA). HSAs offer “triple tax savings” opportunities. Skanska also contributes to your HSA to help buffer the high cost of the deductible. Learn more about HSAs by reviewing page 12 of the 2024 USB/CDUS/USA Inc. Benefits Guide or the 2024 USC Benefits Guide.
Skanska is thrilled to continue to offer three distinct medical plans, including a unique coverage option through the High Deductible Health Plan (HDHP) + Health Savings Account (HSA). Each plan differs in how you and Skanska share in the costs. Below, you’ll find more information about Skanska’s medical plan offerings. The first section details the four items that apply to all our medical plans. The second section details the difference between our PPO plans and HDHP plan. The final section breaks out the major details between our medical plans.
Skanska Medical Plans in Detail
Questions or Concerns
The 866-SKANSKA team is a group of dedicated Skanska Benefits experts just a phone call away! The 866-SKANSKA team is equipped to answer your benefit-related questions, help you navigate claims concerns, review your Open Enrollment options and much more.
2024 Benefits Guide
It is especially important to understand the distinct coverage differences between our PPO and HDHP medical plans. To assess your options, review the 2024 USC Benefits Guide or the 2024 USB/CDUS/USA Inc. Benefits Guide.
Skanska benefits programs and prescription details
When it comes to work-life support, Skanska wants to be part of your solution. Plan enhancements, benefit features and prescription details are outlined below. As a reminder, you must be enrolled in one of Skanska’s medical plans to utilize the following benefits.
Travel & lodging reimbursement Provides reimbursement for mileage and lodging expenses in the event you or a covered dependent need to receive care, but there are no in network providers located within a 100-mile radius of your home address. Reimbursements are based upon IRS mileage and lodging rates, not to exceed $3,000 per eligible occurrence.
Expanded family planning Anthem’s lifetime benefit maximum for fertility services is $30,000 and this amount includes financial assistance for adoptions, surrogacy costs and fertility preservation. Our family planning benefits also include access to WINFertility, a dedicated care management team, to help you maximize these benefits based on your unique needs. Dedicated toll-free phone number: 877-446- 4691; or visit: managed.winfertility.com/skanska.
Anthem’s fitness reimbursement You and your eligible dependents (18+) enrolled in any of the medical plans are eligible to receive up to $400 per year ($200 per 6-month period) in reimbursement for fitnessrelated membership expenses. Reimbursements are available for both “brick-and-mortar” (YMCA, LA Fitness, Soul Cycle, etc.) and online/virtual memberships (Peloton, Daily Yoga, etc.). Members must provide proof of 50 visits per 6-month period.
Virtual primary care Through Anthem’s SydneySM Health mobile app, you and your covered dependents can receive comprehensive primary care coordinated by a care team, preventive care through wellness check-ins and lab screenings, a personalized care plan and follow-ups, unlimited access to care including prescription refills and referrals, and 24/7 on-demand urgent care support.
Total Health Select Connects you to Anthem’s dedicated advocates, experts in specialties like behavioral health, cancer, NICU, transplants, and more. You have access to a team of health coaches, nurses, and family support specialists providing you customized healthcare solutions. To access, use the SydneySM health mobile app.
Hinge Health Anthem’s preferred musculoskeletal (MSK) and chronic pain management vendor, Hinge Health goes beyond digital physical therapy by surrounding you with a team of doctors and physical therapists focused on holistic pain management options, wearable devices for pain, and much more. To learn more call 855-902-2777, or apply at hingehealth.com/skanskausa.
Live Health Online At home or on the go, board-certified doctors and mental health professionals are here for you 24/7 through virtual visits. Sign up today by visiting livehealthonline.com or download the app and register.
Emotional well-being resources Your emotional health is an important part of your overall health. Administered by Learn to Live, you and your family can receive support to help you live your happiest, healthiest life with a wealth of resources at your fingertips. Take a quick assessment online to find the program that’s right for you. To access your emotional well-being resources, login to anthem.com, go to My Health Dashboard, choose Programs, and select Emotional Well-being Resources.
Virtual in-network visits When virtually visiting an in-network provider, you will be billed at the same cost as an in-person visit. You’ll receive the same care from familiar providers without leaving the comfort of your own home.
Mail order prescriptions Available for maintenance drugs, those prescribed for an extended period of time to treat chronic conditions (e.g. high blood pressure). By signing up for mail order, you’ll receive a 3-month supply of your prescription at your home address, and only pay the cost of a 2-month supply. To initiate, call 1-833-226-1114 or register at anthem.com.
Prescription cost relief Cost relief allows you to fill certain specialty medications at no cost to you when filled through CarelonRx Specialty Pharmacy. If you or a family member are currently prescribed a specialty drug that is eligible for cost relief, you will receive a letter directly from Anthem with more information and instructions to enroll.
Prescription step therapy Skanska’s prescription plan includes step therapy, which requires use of generic or lower cost equivalent drugs when they are available.
Skanska offers three medical plans through Anthem Blue Cross Blue Shield (Anthem) – The PPO1 Plan, the PPO2 plan and the High Deductible Health Plan. Below are three scenarios that were developed to show how the same medical claims will process differently and result in varying costs and out of pocket responsibilities under each medical plan. The scenarios include a "minimal" care example, a "moderate" care example, and a "significant" or "catastrophic" care example. Review the disclaimer at the bottom of the page for additional information.
In this example, you use your Skanska health insurance to receive a minimal amount of care throughout the year. You complete your annual preventive care and bloodwork, and you have two non-routine visits with your PCP and a specialist. You fill a few short-term prescriptions and you receive an x-ray during an urgent care visit one evening.
"Minimal" Claims Utilizer
In this example, you use your Skanska health insurance to receive a moderate amount of care throughout the year. You complete your annual preventive care and routine bloodwork. You have a number of additional office visits with your PCP and regularly fill a maintenance medication prescription drug. You see a chiropractor a number of times during the year due to chronic pain. You ultimately see a specialist doctor and receive an MRI. Finally, you have a same-day outpatient procedure at a surgical center. Afterward, you fill multiple short-term prescriptions and have multiple follow-up visits with a specialist.
"Moderate" Claims Utilizer
In this example, you use your Skanska health insurance to receive a significant amount of care throughout the year. You complete your annual preventive care and routine bloodwork. You have a number of diagnosed chronic health conditions that require regular specialist visits and higher-cost prescription drugs. You have an urgent care visit when experiencing concerning symptoms. You ultimately experience a catastrophic health event during the plan year, resulting in a 3-month inpatient hospital stay. After your release from the hospital, you require regular specialist visits, follow-up bloodwork and MRIs, physical and occupational therapy.
"Significant" Claims Utilizer
This tool is based on sample scenarios and is for illustrative and educational purposes only. This purpose of this tool is to demonstrate how the same care scenario results in varying member costs and out of pocket responsibilities under each Skanska medical plan. This tool is not intended to serve as a recommendation for which plan will best meet your needs, or which plan to select during Open Enrollment. All scenarios represented assume care was administered with in-network providers, and in no way are intended to represent care recommendations or to outline the care you should seek or expect to receive. The scenarios are also not intended to represent cost estimates for medical or prescription services. There are many variables that can impact your costs of care and the distribution of your out-of-pocket costs, so these scenarios use assumptions for illustrative and educational purposes only.
Accessing BenXpress
Once you have reviewed this wizard, log into the Skanska BenXpress Portal www.benxpress.com/skanska to review the plan documents and details and submit your elections. Your user ID is the first initial of your first name and your entire last name. The user ID is not case sensitive, nor is there any punctuation used (hyphens, apostrophes, etc.). Your temporary password is the last six digits of your social security number (do not include dashes, numbers only).
In this example, you and your spouse/partner use your Skanska health insurance to receive a minimal amount of care throughout the year. You both complete your annual preventive care and routine bloodwork. You also each use your telehealth benefit when experiencing concerning symptoms, resulting in prescription antihistamine fills, and have an additional PCP sick visit. You each have an urgent care visit on separate occasions. The urgent care visits each include an x-ray and short-term prescription antibiotic fills. Finally, you each see a specialist doctor and a chiropractor on a minimal number of occasions during the year.
In this example, you and your spouse/partner use your Skanska health insurance to receive a moderate amount of care throughout the year. You both complete your annual preventive care and routine bloodwork. Both of you receive an irregular result from one of your preventive care screenings, requiring multiple followup visits with your PCPs and specialists, as well as additional labwork and scans. Your spouse ultimately requires a same-day outpatient procedure as a result. You each visit a specialist regularly for chronic condition management. This care includes visits with multiple specialists, and you both take a maintenance medication prescription drug. Finally, one of you has an urgent care visit one evening, resulting in stitches. The other experiences a fall resulting in the need for an MRI, specialist visits, and ultimately a same-day outpatient procedure at a surgical center.
In this scenario, you and your spouse/partner use your Skanska health insurance to receive a significant amount of care throughout the year. You both complete your annual preventive care and routine bloodwork. You both multiple have chronic health conditions that require various maintenance medications and specialty prescription drugs. Your health conditions require regular visits to your PCPs and various specialists. One of you suffers a fall, resulting in an urgent care visit, specialist office visits, physical therapy and multiple MRIs. You ultimately receive an outpatient procedure at a surgical center but develop a severe infection while recovering. This results in an inpatient hospital stay. Finally, both you and your spouse experience concerning symptoms later in the year and are admitted to the hospital, resulting in lengthy hospital stays. The inpatient stays include a series of imaging tests, medications and high-cost treatment. You both recover and are ultimately discharged, and you return to visiting your doctors according to your regular care schedules.
In this example, you and one child use your Skanska health insurance to receive a minimal amount of care throughout the year. You both complete your annual preventive care and routine bloodwork. During the year, your child has a few sick visits with your pediatrician and is prescribed an antibiotic each time. You receive an irregular preventive care result and have a followup with your PCP and a specialist. Your followup bloodwork results indicate no further concern. You and your child each have an urgent care visit during the year, resulting in x-rays and antibiotics.
In this example, you and one child use your Skanska health insurance to receive a moderate amount of care throughout the year. You both complete your annual preventive care and routine bloodwork. You each have a chronic health condition requiring various primary care and specialist visits throughout the year, as well as generic maintenance medications to help manage your conditions. Your child also has a few sick visits during the year with your pediatrician. You and your child each have an unexpected urgent care visit during the year and receive treatment while in the urgent care. You suffer from chronic pain and regularly see a chiropractor. After experiencing a fall, you require specialist visits, a prescription, an MRI and ultimately an outpatient procedure at a surgical center.
In this example, you and one child use your Skanska health insurance to receive a signigicant amount of care throughout the year. You both complete your annual preventive care and routine bloodwork. You each have a chronic health condition requiring various primary care and specialist visits throughout the year, as well as maintenance medications. During the year, you each begin visit specialists on a monthly basis to focus on mental wellbeing and lifestyle changes. One of you visits an urgent care when needing an xray. You follow up with a specialist and receive an MRI, and ultimately require a surgical procedure. Your recovery includes physical therapy, prescription medications and follow-up specialist visits. Finally, one of you experiences a severe accident during the year resulting in a lengthy inpatient hospitalization, including imaging tests, medications and high-cost treatment. Your recovery additionally includes months of physical and occupational therapy visits, as well as high-cost medications.
In this example, you and your two children use your Skanska health insurance to receive a minimal amount of care throughout the year. You all complete your annual preventive care and routine bloodwork. You and one child require followup care as a result of irregular preventive screening results. You and each child have a few primary care visits during the year for non-emergency sick care and receive prescriptions for antibiotics each visit. you also utilize telehealth when you experience concerning symptoms one evening. Each member of your family has an urgent care visit during the year for varying reasons, and each results in an x-ray and minimal follow-up care required.
In this example, you and your two children use your Skanska health insurance to receive a moderate amount of care throughout the year. You all complete your annual preventive care and routine bloodwork. Your family also sees your primary care physician a few times during the year for non-emergency sick visits and receive antibiotics. You require followup care as a result of irregular preventive screening results, resulting in multiple specialist visits, a prescription maintenance medication and a routine outpatient procedure. One of your children has a chronic health condition and sees a specialist as needed and uses a higher cost maintenance prescription. You take your child to urgent care multiple times during the year when experiencing concerning symptoms. Your other child requires an unexpected outpatient procedure after several months of painful symptoms, an MRI and visits with a specialist. They take short-term prescriptions during recovery.
In this example, you and your two children use your Skanska health insurance to receive a significant amount of care throughout the year. You all complete your annual preventive care and routine bloodwork. You require followup care as a result of irregular preventive screening results, resulting in multiple specialist visits, a prescription maintenance medication and a routine outpatient procedure. One of your children has a chronic health condition, and they visit a specialist on a monthly basis and you regularly fill a high-cost specialty drug for their care management. Your family has a number of urgent care visits during the year for varying needs, including an x-ray and a health scare for your child with chronic care needs. You regularly suffer from chronic pain as a result of an injury last year. You visit a specialist and physical therapist throughout the year and ultimately require an outpatient procedure. While recovering from the procedure you develop a severe infection and you are admitted for a lengthy inpatient hospitalization. You experience additional setbacks in your recovery and ultimately are moved to a rehabilition facility before finally returning home safely.
Skanska offers three medical plans through Anthem Blue Cross Blue Shield (Anthem) – The PPO1 Plan, the PPO2 plan and the High Deductible Health Plan Below are three scenarios that were developed to show how the same medical claims will process differently and result in varying costs and out of pocket responsibilities under each medical plan. The scenarios include a "minimal" care example, a "moderate" care example, and a "significant" or "catastrophic" care example. Review the disclaimer at the bottom of the page for additional information.
In this example, you, your spouse/partner and your three children use your Skanska health insurance to receive a minimal amount of care throughout the year. You all complete your annual preventive care and routine bloodwork. You experience an irregular routine bloodwork result, requiring a follow-up visit with a specialist and additional labwork. Your children have a few visits with their pediatrician during the year when experiencing non-emergency symptoms. You fill prescriptions for antibiotics and antihistamines as needed. Each of your family members has an urgent care visit during the year for various symptoms and accidents. The urgent care visits result in x-rays and prescriptions, but no further care needed afterward.
In this example, you, your spouse/partner and your three children use your Skanska health insurance to receive a moderate amount of care throughout the year. You all complete your annual preventive care and routine bloodwork. You experience an irregular routine bloodwork result and notify your physican of concerning symptoms, who orders additional labwork and more advanced testing. You are prescribed multiple maintenance medications and are referred to a specialist, who you see every few months. Your spouse and one child each have a chronic health condition which requires maintenace medication as well as specialist visits as needed. Have a few sick visits, as well as urgent care visits and x-rays during the year, for various mild accidents and symptoms. Following one of the visits, one of your children requires follow-up care with a specialist, as well as an outpatient procedure and physical therapy.
In this example, you, your spouse/partner and your three children use your Skanska health insurance to receive a significant amount of care throughout the year. You all complete your annual preventive care and routine bloodwork. You require followup care as a result of a concerning irregular preventive screening result, as well as your family health history. You have follow-up visits with multiple specialists, prescription maintenance medications and a routine outpatient procedure. You and your spouse also have pre-existing conditions and have had prior surgeries and hospitalizations, requiring frequent specialist visits throughout the year. This care also requires regular labwork, imaging and radiology on a regular basis. One of your children has a chronic health condition. They visit a specialist every month for in-office treatments, and you regularly fill multiple high-cost specialty drugs for their care management. Your family has a number of office sick visits and urgent care visits during the year for varying needs, resulting in x-rays and other treatment. Ultimately, two of your family members are hospitalized on different occasions during the year and require surgeries and advanced care. These inpatient hospitalization are lengthy and the recovery is slow and requires much care coordination, including inpatient rehabilitation, prescriptions and regular follow-up visits.
visit www.benxpress.com to Enroll
Available only to those enrolled in the HDHP + HSA medical plan
A health savings account (HSA) is a tax-free savings account that belongs to you. HDHP + HSA medical plan enrollees are able to use an HSA to pay for insurance deductibles and out-of-pocket healthcare related expenses. To be eligible for the HSA, you must: • Be enrolled in the HDHP + HSA medical plan • Not be enrolled in Medicare Parts A or B • Not be claimed as a dependent on someone else’s tax return • Have no other insurance If you enroll in the HDHP + HSA medical plan,Skanska will automatically contribute the belowamount towards your HSA. You also have the optionto contribute the difference between Skanska’scontribution and the IRS maximum.
Once enrolled in the HDHP + HSA medical plan, you will receive your HSA PayFlex debit card in the mail, along with a welcome letter instructing you how to get started. Most purchases can be made and substantiated using the PayFlex-issued debit card. You may also visit payflex.com to file your claim online.
How do I access my funds?
The money in the account can be used for qualified medical expenses (as defined by the IRS) or can be left to grow with tax free interest from year to year. The money will be kept in an FDIC insured bank account or when the balance is high enough that it can be invested in mutual funds. Additionally, you can make a withdrawal for non-medical expenses when you reach the age of 65. Prior to age 65, any non-qualified purchases will be taxed and subject to a 20% penalty.
What expenses can it pay for?
Most purchases can be made and substantiated using the PayFlex-issued debit card. You may also visit payflex.com to file your claim online. If you are mailing a paper claim, please make sure the address on the form is: PayFlex Systems USA Inc., P.O. Box 981158, El Paso, Texas 79998.
How do I use my funds?
HDHP + HSA Plan Coverage Tier
Skanska 2024 Annual HSA contribuiton
$800
All Other Tiers
$1,600
Employee pre-tax contribuiton via payroll deductions
For 2024, you may contribute up to the following per IRS regulations:
$4,350 individual
$8,050 family
*This amount includes Skanska’s $800 / $1,600 contribution.
Individuals over age 55 may make an additional ‘catch-up’ contribution of $1,000 per year. Those age 64+ are potentially subject to unique restrictions. Please contact 866-SKANSKA for more information.
How do funds accumulate?
You can link one or more of your bank accounts to and from your HSA to easily transfer funds to and from your HSA. Once logged in, go to Account Settings > Bank accounts > Link Bank Account to my HSA. Select the account, and enter your account number and routing number. Authorize PayFlex to link your account and click Save and Continue.
Do unused funds roll over?
All unused HSA funds or your entire HSA balance will roll over from year to year, even if you don’t spend them. Should you leave employment or change your enrollment to a non-HDHP, you are still able to draw funds from the account.
Once you have reviewed this wizard, log into the Skanska BenXpress Portal www.benxpress.com/skanska to review the plan documents and details and submit your 2023 elections. Your user ID is the first initial of your first name and your entire last name. The user ID is not case sensitive, nor is there any punctuation used (hyphens, apostrophes, etc.). Your temporary password is the last six digits of your social security number (do not include dashes, numbers only).
Save the Date!
Prepare for Open Enrollment, or review the details of your current coverage, by accessing the BenXpress website at www.benxpress.com/skanska. Your BenXpress username is your first initial of your first name and your entire last name (ex: John Smith = jsmith). Your BenXpress password is the last 6 digits of your SSN.
Accessing BenXpress for Open Enrollment
Open Enrollment begins Wednesday, October 26, 2022 and ends Thursday, November 10, 2022.
Visit www.benxpress.com/skanska on your computer, tablet or smartphone, or download the BenXpress by AccordWare mobile app.
Important reminders All employees are encouraged to log into BenXpress to elect or confirm your benefit elections for 2023. If you do not take action during Open Enrollment, your current benefits will automatically renew for 2023 with the exception of Flexible Spending Account elections. You must re-elect your FSA contribution(s) if you wish to participate in 2023.
Enroll, Modify or Review your benefits today!
Some Summary to introduce this plan...
In this example, an employee uses their Skanska health insurance to receive a minimal amount of care throughout the year. • You complete their annual preventive care and routine bloodwork. • You visit their in-network primary care physician (PCP) twice during the year when you experience eczema flare-ups. • Your PCP refers them to an in-network dermatologist, and you have an office visit with this specialist. • You are prescribed and fill four prescription topical creams – three are generic and one is a brand name prescription. • Later during the year, you visit an urgent care after experiencing a fall, and you receive an X-ray for a sprained ankle.
+ Learn More
"Minimal" Claims Utilzer
In this example, an employee uses their Skanska health insurance for a moderate amount of additional care throughout the year. • You complete their annual preventive care and routine bloodwork. • You visit an in-network chiropractor five times during the year for routine chiropractic adjustments. • You visit your[CEROS OBJECT] in-network primary care physician (PCP) three times during the year – once when you are not feeling well, and twice for visits monitoring their high blood pressure. You fill a generic blood pressure medication eight times during the year. • You visit an in-network urgent care when experiencing severe back pain. You receive a referral for an MRI and bloodwork, which you complete at an in-network imaging center and in-network lab. • You are diagnosed with a kidney stone and have an outpatient procedure at an in-network surgical center to remove the stone. • You follow up after the procedure with an in-network nephrology specialist. • You fill a brand name prescription twice following your outpatient procedure.
"Moderate" Claims Utilzer
In this example, an employee uses their Skanska health insurance for a significant amount of additional care throughout the year. • You complete their annual preventive care and routine bloodwork. • You have Type 2 Diabetes and fill a brand name prescription each month, totaling 12 brand prescription fills throughout the year. • You visit an in-network mental health provider once per month, totaling 12 times during the year. • You visit their in-network primary care physician (PCP) every six months to check-in on your Diabetes, so they have two PCP office visits in addition to your routine preventive care visit. • After the second PCP visit, your PCP prescribes a new generic prescription and refers them for bloodwork. You visit an in-network lab to complete the bloodwork, and fills your new prescription six times before the end of the year. • You unfortunately experience a severe stroke and are admitted to an in-network hospital. You remain in hospital in-patient care for three months. • Upon your release from the hospital, you are referred to an in-network neurologist, and you visit this specialist 9 times before the end of the year. • You additionally begin visiting an in-network occupational therapist, and they have 12 visits before the year. • Your neurologist refers them for follow-up testing, and you receive bloodwork from an in-network lab, and an MRI at an in-network imaging facility. The neurologist additionally prescribes a specialty drug, which you fill six times before the end of the year. • You visit an in-network urgent care one evening when experiencing shortness of breath and are cleared to return home after an examination.
"Significant" Claims Utilzer
Please note this tool is based on illustrative scenarios and is for educational purposes only. The goal of this tool is to demonstrate how different utilization levels impact your member responsibility along with your plan choice and your plan's payroll contributions. Please review your actual medical and prescription costs as well as your plan choice and your plan's payroll contributions to determine which plan option best meets the needs of you and your family. The scenarios are based on being enrolled in a Skanska plan for a full 12 month period (1 year).
Medical Plan Enhancements
Expanded family planning, including an increased lifetime maximum for fertility services, financial assistance for adoption or surrogacy costs, and a dedicated care management team through WINFertility. +Learn More
Travel and lodging reimbursements in the event a particular medical service is needed and there are no in-network providers within a 100-mile radius of your home. +Learn More
Fitness membership reimbursements, including physical gyms and virtual fitness subscriptions. +Learn More
Open Enrollment 2023
Skanska is committed to providing you and your family a wide variety of coverage options throughout all stages of your career and life. The Open Enrollment period for electing your 2023 benefits is currently open. To help you better understand the coverage options, Skanska has designed this wizard to walk you through the various plans available. Each page above links to scenarios to help inform your decisions. Select the scenario from the menu above that best fits your current needs to explore the options. Additionally there is information below on the 2023 enhancements to our Medical Plan, Coverage Care and Voluntary Benefits.
When you enroll in one of Skanska's medical plans, you'll receive the following new benefit enhancements:
Whole health care advocacy, including new virtual primary care options, integrated care management for specialized healthcare concerns and access to Anthem’s care management teams. +Learn More
Hinge Health, providing virtual chronic care management, physical therapy options, holistic pain management and much more. +Learn More
When it comes to work-life support, Skanska wants to be part of your solution.
Enhanced Helpr Care benefits Helpr has been renewed through 2025 and will now include permanent care sourcing support in addition to subsidized back-up care. Learn more by visiting https://helpr-app.com/skanska.
Enhanced Carebridge benefits Effective January 1, 2023, our covered Carebridge visits will double, from three to six live sessions per incident.
Voluntary benefit enhancements
New voluntary benefit options Financial security, especially in times of uncertainty, is invaluable, and Skanska wants to help you feel secure. During our upcoming Open Enrollment, you’ll have the option to enroll yourself, your spouse and your children in new critical illness, accident and whole life insurance plans through UNUM.
Please note this tool is based on illustrative scenarios and is for educational purposes only. The goal of this tool is to demonstrate how different utilization levels impact your member responsibility along with your plan choice and your plan's payroll contributions. Please review your actual medical and prescription costs as well as your plan choice and your plan's payroll contributions to determine which plan option best meets the needs of you and your family.
Care coverage enhancements
