2024 Benefits Brochure

Thriving Together
2024 Benefits Enrollment Guide

US DELIVERY CENTER AND PROJECT DELIVERY MODEL PROFESSIONALS
2024 Benefits Enrollment Guide Welcome
Welcome!
This benefits guide includes important information and details to
help you make informed decisions during during your enrollment
period and maximize the choices that you have made. If you have Thriving together
questions or want more information beyond what’s included in Deloitte cares about you and is committed to supporting
this brochure, you can:
you throughout your individual journey – meeting you where
you are so you and your loved ones can thrive mentally,
• R
eview the Summary Plan Descriptions and Summary of
Benefits Coverage documents posted on the Deloitte Benefits physically, and financially and care for your well-being.
Center (DBC). To access the DBC, go to Talent on Demand and
select the Benefits tile.
• C
all the Deloitte Contact Center at +1 800 DELOITTE
(+1 800 335 6488). Analysts are available from
8 a.m. to 8 p.m. ET.
1
2024 Benefits Enrollment Guide Table of contents
Table of contents
• Enroll in your benefits via the Deloitte Benefits Center (DBC) 3
• Learn about our:
– National medical plans, including Health Savings Accounts,

prescription drug plans, and telemedicine 5
– Dental plan 17
– Vision plans 18
– Flexible spending accounts 19
– Life and accident insurance 24
– Disability insurance 27
– Other coverage options 28
• Review 2024 benefit premiums 29
• Thriving together: Plans, programs, and resources to meet you where

you are in your life journey and help you and your family thrive 30
• Appendix: National medical plan carrier resources 33
2
2024 Benefits Enrollment Guide Enroll in your benefits
Enroll in your benefits via

the DBC
To enroll in your benefits, access the DBC via Talent on Demand—simply click the
Benefits tile and then select Access Deloitte Benefits Center. Once your elections
are made, you will receive a confirmation statement that you should review to
confirm the accuracy of your choices. If the statement doesn’t reflect what you
chose or you change your mind, you may re-enter the DBC and make new benefit
elections or changes anytime during your enrollment period.
What happens if I don’t enroll in medical coverage during the 31-day

enrollment period?
If you are a newly eligible professional and you don’t enroll in medical coverage
or register an election to opt out within 31 days of your eligibility date, you will
be enrolled in the UnitedHealthcare (UHC) Basic Plan with individual coverage
retroactive to your eligibility date. If you want to opt out of medical
coverage, you must make this choice using the DBC within 31 days
of your eligibility date.
3
2024 Benefits Enrollment Guide Enroll in your benefits
Changing coverage during the year

The elections you make during your enrollment period generally stay in effect for
the full calendar year. However, certain “qualifying life events” may cause your
needs to change. For example:
• Change in marital or domestic partnership status.
• Having a baby or adopting a child.
• Your spouse or domestic partner loses or gains employment or

benefits coverage.
In these limited situations, you may change your coverage within 31 calendar
days of the life event (the 31-day period begins with the date of your life event).
To make a change during the year, access the DBC or call the Deloitte Contact
Center at +1 800 DELOITTE (+1 800 335 6488).
Eligibility
• If you are a salaried employee who works at least 20 hours per week, you
are eligible for Deloitte health and welfare benefits. Benefits typically begin
on the first of the month, so if you are hired on the first of the month, your
benefits will begin that day. If you are hired on the second of the month or
later, your benefits will begin the first day of the following month.
• If you are an hourly employee scheduled to work a minimum of 20 hours per

week, your benefits begin on the first day of the month following one year of
employment in a benefits-eligible position.
• Eligible dependents include your legal spouse, same- or opposite-sex

domestic partner (including common-law spouse and civil union partner),
child(ren) under age 26,* and disabled child(ren) if the disability began before
age 26.
*Children include your or your spouse/domestic partner’s natural children, legally

adopted children, stepchildren, or foster children. Eligible children may remain covered
through the end of the calendar year in which they reach age 26.
4
2024 Benefits Enrollment Guide Medical plans
Medical plans
A variety of national medical plan options are available to meet your and your
family’s needs. Choose from the following plans, coverage levels, provider
networks, and costs based on your preferences and how you choose to
receive care: Thriving Mentally
Deloitte cares about you and is committed to
UnitedHealthcare
Aetna Anthem (UHC) supporting your mental well-being. In addition to the
mental health coverage included in all of our national
• High Deductible • Blue Card Preferred • Basic Plan HDHP
Health Plan (HDHP) Provider Organization medical plans you also have access to our Integrated
• HDHP
(PPO) Mental Health Services (IMHS). IMHS offers a
• HDHP personalized, concierge-style approach to support
you and your eligible dependents’ psychological
All of the national plans provide: health along the continuum of human experience―
from thriving to challenged. Our in-house team of
• 100% coverage for in-network preventive services and certain cancer psychologists and experts facilitate the delivery of
screenings (e.g., skin cancer), such as well-child (e.g., annual exams), well-
woman (e.g., mammogram, Pap smear), well-man (e.g., prostate testing), and clinical services through a highly curated, private
immunizations. panel of clinical professionals. There is no cost to
• Access to high-quality care through networks of providers, with the PPO and you to speak with a mental health clinician, and you
HDHP plan options providing the opportunity to seek care out of network. may qualify for up to eight complimentary counseling
• Hinge Health digital physical therapy program to support musculoskeletal sessions (per incident/per year). Treatment
health and help reduce muscle and joint pain is available at no cost to you and
navigation assistance also is available for a higher
your eligible dependents (age 18+).
level of care needs. What’s more, IMHS is available in
• Prescription drug coverage.
addition to any existing mental health services you
• Protection against the cost of catastrophic illness or injury.
may already receive and does not impact any existing
• The ability to see a specialist without a referral. medical benefits, insurance coverage or benefit, or
• Online and telephonic resources to locate a provider who participates in your self-pay arrangements.
medical plan’s network.
• Gender dysphoria benefits that cover the cost of eligible surgical and
nonsurgical treatments, hormone therapy, and more.
• Bright Beginnings—Family Support Network, a comprehensive national medical

carrier program to assist and guide you through fertility, maternity, and
neonatal care. 5
Be an informed health care consumer

Use the medical plan comparison tool within the DBC to
better understand the role premiums and out-of-pocket
costs (i.e., copays, deductibles, etc.) play in your total
annual costs. The tool uses plan data and information
you provide about your anticipated usage to compare
medical plans and help you make the best enrollment
choices for yourself and your family.
How the medical plans work
Aetna, Anthem, and UHC HDHP plans Anthem PPO plan
With these plans, you minimize your biweekly paycheck contributions and pay for This plan provides choice and flexibility. You can use any provider you wish, or
care as you need it. you can save money by using in-network providers.
Except for in-network preventive care, which is covered at 100%, you must meet • In-network
the full annual deductible before the plan pays benefits. Once you meet the You can choose to go to a provider who participates in the network and
annual deductible, the plan pays 90% of the cost of covered in-network services receive a higher level of benefits. There are no claim forms to file, and the
(70% of out-of-network services), including prescription drugs, until you reach the provider has agreed by contract to accept the negotiated fees as payment
full out-of-pocket maximum. in full. In-network medical care is based on copays and/or the plan pays
90% of the cost of most covered services after the in-network deductible
To help offset the potential higher cost for care, all HDHP plans offer you access has been met. You pay your portion of the cost until you reach the plan’s
to a Health Savings Account (HSA) that can be used to pay for qualified medical, in-network out-of-pocket maximum.
vision, and dental expenses. Additionally, you can enroll in a Limited Purpose
Flexible Spending Account (LPFSA)* that can be used for qualified dental and • Out-of-network
vision expenses. You can go outside the network and use any provider, but you will pay more.
Please note you will be reimbursed based on allowable limits according to
*In order to participate in an LPFSA, you must also be enrolled in an HSA. the plan. If your provider’s charges exceed the plan’s allowable limits, you will
be responsible for the difference between what the plan pays and what your
provider charges. You are also responsible for precertification of hospital
stays and certain outpatient procedures. You must first meet the plan’s out-
of-network deductible before the plan will pay 70% of allowable charges up
to the out-of-network out-of-pocket maximum.
6
UHC Basic Plan
There are significant differences between the UHC Basic Plan and our other HDHP
plans. This plan provides a basic level of protection for those who want protection
but don’t expect to need much in terms of medical services during the year. For
example, it does not cover certain services, such as chiropractic, fertility treatment,
or certain other expenses that are covered under the Aetna, Anthem, and UHC
HDHP plans.
Be prepared when you need care:

Consider choosing a primary care doctor
An essential component of good medical care is
the relationship you develop with your health care
professional. With your health history understood, a
provider is better able to gauge changes and detect
a medical concern earlier, which can lead to a better
outcome. While you are not required to select a primary
care physician (PCP), such as an internist, general
practitioner, or pediatrician, it’s always a good idea to
have a primary doctor involved in your ongoing health
care. Utilizing a PCP in your plan’s network will significantly
reduce your out-of-pocket expenses when you need care.
7
2024 Benefits Enrollment Guide Health Savings Accounts
How Health Savings Accounts (HSAs) work HSA contribution limit maximums for 2024 are $4,150 if
The ability to establish an HSA is an important factor when considering an you cover yourself only and $8,300 if you cover another
HDHP plan. HSAs provide a valuable opportunity to build a personal fund that family member. If you will reach age 55 during 2024,
you can use to pay for current and future qualified health care expenses—
tax-free. As with an individual retirement account (IRA), you put away money you are eligible to make an additional $1,000 catch-up
before tax, and any investment returns are tax-sheltered. HSA distributions for contribution. If your spouse reaches age 55 in 2024,
qualified health care expenses are also tax-free for you and your dependents
as defined under IRS Publication 969, including: they may only make a catch-up contribution to their
own HSA. Take advantage of the increased maximums
• You and your spouse. by adjusting your elections on the DBC.
• All dependents you claim on your tax return.
• Any person you could have claimed as a dependent on your return except
that:
– The person filed a joint return;
– The person had gross income of $4,400 or more; or
– You, or your spouse if filing jointly, could be claimed as a dependent on
someone else’s 2024 return.
What’s more, if you are enrolled in the Aetna, Anthem, or UHC HDHP
plans and participate in an HSA, Deloitte will make an annual
employer contribution to assist you in saving for your eligible
health care expenses, whether incurred now or in the future. Deloitte’s
HSA contribution (up to $500 for individual coverage and up to $1,000 for
dependent coverage) will be contributed on a biweekly basis, as soon as
administratively practical, while you are covered under an eligible HDHP plan.
If you are covered under an eligible HDHP plan for less than the entire
calendar year, you will receive a prorated contribution. Note: UHC Basic Plan
participants are not eligible to receive the Deloitte HSA contribution; however, you
may contribute to an HSA.
You are immediately vested in Deloitte’s contribution and can only receive it if
you agree to accept it at the time you establish an HSA with Bank of America.
If you do not accept the contribution at the time you enroll, Deloitte will not be
able to make the contribution. Note: When submitting claims for reimbursement
from your HSA, you will be reimbursed only up to the value of your current account,
even if your claims exceed your current account value.
8
2024 Benefits Enrollment Guide Health Savings Accounts
Why you should consider contributing to an HSA Important HSA restrictions for consideration
If you enroll in an eligible HDHP plan and would like to contribute to an HSA,
• You reduce your taxable income by the amount you contribute to your HSA
please be aware of these IRS restrictions. You cannot:
each year.
• You do not pay taxes on the money you withdraw from your account to pay • Contribute to a Health Care Flexible Spending Account (HCFSA).
for qualified health care expenses.
• Be enrolled in Medicare.
• The money in your account earns interest, which compounds over time to
build your HSA balance. • Have any other non-HDHP medical coverage (such as through your spouse or
domestic partner).
• If your account balance is at least $100 over the minimum investment
threshold of $1,000 with no HSA transactions pending, you have the option You are responsible for ensuring that you satisfy these requirements.
to invest all or a portion of your balance in mutual fund options offered Additionally, given an HSA is an individual financial account (like a bank account)
through Bank of America. owned by you that grows with interest, it’s up to you to manage your money
and account activity and be able to substantiate any withdrawals you make that
• By participating in the HSA, you are also eligible to participate in the Limited
qualify as medical deductions for tax purposes. Further, you cannot submit the
Purpose Flexible Spending Account (LPFSA), which can be used for annual
expenses of a domestic partner for reimbursement unless they are considered
qualified dental and vision care expenses.
your tax dependent for federal tax purposes. Additional information about HSAs
• You own your HSA; the money is yours. You do not lose your contributions is available on the DBC.
if they are not used by the end of the calendar year; they carry over to
subsequent calendar years. In fact, if you leave Deloitte in the future,
your account goes with you; your balance can be maintained at Bank of
America, rolled over into another HSA at any time, or left to a beneficiary
upon your death.
• You can withdraw the money at any time and for any reason. However, it is
important to note that withdrawals for expenses other than qualified health
care expenses are subject to income tax and an additional 20% tax penalty.
• You can use the funds in your HSA to pay for health care expenses during
retirement, including certain Medicare premiums and long-term care
premiums.
• Be sure to consider Deloitte’s contribution when setting your 2024

contribution limits; reduce your contributions, if necessary, to avoid
exceeding the annual maximum contribution allowed by the IRS when
combined with Deloitte’s contribution.
• As an added convenience, participants can access their HSA information

online and via mobile devices through the Bank of America HSA Member
Portal.
9
2024 Benefits Enrollment Guide Medical plan comparison chart
For a more detailed description of the coverage available under all the plan
options, see the Summary Plan Descriptions and Summary of Benefits and Coverage
documents posted in the Library section of the DBC, which is accessible via the
Benefits tile on Talent on Demand.
YOUR MEDICAL PL AN CHOICES AT A GL ANCE
Anthem PPO Aetna HDHP, Anthem HDHP, UHC HDHP Basic UHC Plan
Plan
provision
In-network Out-of-network In-network Out-of-network In-network Out-of-network
HSA-compatible No No Yes Yes Yes Yes
Calendar-year
medical $500/$1,500 $800/$2,400
$3,200/$6,400 $4,000/$8,000
deductible (Applies to medical (Applies to medical
(Applies to medical services and prescription expenses) (Applies to medical services and prescription expenses)
(individual/ services only) services only)
family)
The Plan pays 90% after The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after
Coinsurance deductible for most deductible for most deductible for most deductible for most deductible for most deductible for most
services services services services services services
Medical out-of-
pocket maximums
(Deductibles,
copayments, $3,100/$6,200 $6,200/$12,400 $4,200/$8,400 $6,200/$12,400 $5,000/$10,000 $7,000/$14,000
and
coinsurance
apply)
Lifetime
Unlimited
maximum
Preventive
care
services, including The Plan pays 100% The Plan pays 70% after The Plan pays 100% The Plan pays 70% after The Plan pays 100% The Plan pays 70% after
annual exams, for most services (No deductible for most for most services (No deductible for most for most services (No deductible for most
immunizations, deductible applies) services deductible applies) services deductible applies) services
screenings, and
testing
$25 copay, then the Plan The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after
PCP office visits
pays 100% deductible deductible deductible deductible deductible
10
Plan
provision
Specialist office $40 copay, then the Plan

visits pays 100%
The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after
deductible deductible deductible deductible deductible
Maternity care— $25 copay for initial visit,
office visits then the Plan pays 100%
10% coinsurance after

$25 copay due at time of 10% coinsurance after
deductible due at time of
consultation deductible due at time of
consultation
consultation
Log onto www.
Log onto your carrier-
livehealthonline.com Log onto www.myuhc.
Telemedicine Not covered specific website for Not covered Not covered
for more information com for more information
more information or
or contact Anthem via or contact UHC via
contact your provider
the customer service the customer service
via the customer service
telephone number located telephone number located
telephone number located
on your ID card on your ID card
on your ID card
$100 copay, then the Plan

pays 90% after deductible
for outpatient facility
Outpatient
$25 PCP/$40 specialist
surgery
copay, then the Plan pays
100% after deductible, if The Plan pays 70% after The Plan pays 70% after The Plan pays 70% after
performed in physician’s deductible deductible deductible
office The Plan pays 90% after The Plan pays 90% after
deductible deductible
$250 copay per
Inpatient admission, then
hospital the Plan pays 90%
after deductible
$250 copay, then the Plan $250 copay, then the Plan
Emergency The Plan pays 90% after The Plan pays 90% after
pays 100% (Copay waived pays 100% (Copay waived
room services deductible deductible
if admitted) if admitted)
Urgent care $40 copay, then the Plan The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after
centers pays 100% deductible deductible deductible deductible deductible
11
Plan
provision
Inpatient: $250 copay

per admission, then Inpatient: The Plan pays Inpatient: The Plan pays Inpatient: The Plan pays Inpatient: The Plan pays Inpatient: The Plan pays
the Plan pays 90% after 70% after deductible 90% after deductible 70% after deductible 90% after deductible 70% after deductible
Mental health
deductible Outpatient: $25 Outpatient: The Plan pays Outpatient: The Plan pays Outpatient: The Plan pays Outpatient: The Plan pays Outpatient: The Plan pays
copay, then the Plan pays 70% after deductible 90% after deductible 70% after deductible 90% after deductible 70% after deductible
100%
Inpatient: $250 copay per

Inpatient: The Plan pays Inpatient: The Plan pays Inpatient: The Plan pays Inpatient: The Plan pays Inpatient: The Plan pays
admission, then the Plan
70% after deductible 90% after deductible 70% after deductible 90% after deductible 70% after deductible
Substance abuse pays 90% after deductible
Outpatient: The Plan pays Outpatient: The Plan pays Outpatient: The Plan pays Outpatient: The Plan pays Outpatient: The Plan pays
Outpatient: $25 copay,
70% after deductible 90% after deductible 70% after deductible 90% after deductible 70% after deductible
then the Plan pays 100%
$40 copay, then the Plan

The Plan pays 70% after
pays 100% in conjunction The Plan pays 90% after The Plan pays 70% after
deductible (covered
with an office visit (covered deductible (if the service deductible (if the service
services limited to
services limited to is performed as a form of is performed as a form of
Acupuncture treatment of nausea and Not covered Not covered
treatment of nausea and anesthesia in connection anesthesia in connection
vomiting associated with
vomiting associated with with a covered surgical with a covered surgical
surgery, chemotherapy
surgery, chemotherapy, procedure) procedure)
and pregnancy)
and pregnancy)
Spinal
$40 copay, then the Plan The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after
manipulations/ Not covered Not covered
pays 100% deductible deductible deductible
chiropractic
Office Visit: $40 copay,

then the Plan pays 100%
Family planning
Other Office Services:
(includes artificial The Plan pays 70% after The Plan pays 90% after The Plan pays 70% after
The Plan pays 90% Not covered Not covered
Insemination, IVF, deductible deductible deductible
Other Facility: The
GIFT, ZIFT)
Plan pays 90% after
deductible
12
PRESCRIPTION DRUG COVER AGE
Plan Anthem PPO Aetna HDHP, Anthem HDHP, UHC HDHP Basic UHC Plan
provision
Prescription drugs Generic substitution is mandatory
Calendar-year
prescription Prescription expenses apply to the medical plan Prescription expenses apply to the medical plan
$50/$150
deductible deductibles indicated on page 10 deductibles indicated on page 10
(individual/family)
Prescription
out-of-pocket
maximums Prescription expenses apply to the medical out-of- Prescription expenses apply to the medical out-of-
$2,000/$4,000 None
(Deductibles, pocket maximum indicated on page 10 pocket maximum indicated on page 10
copayments, and
coinsurance apply)
Retail Up to a 30-day supply

Generic prescription deductible
(min $10)
Reimbursed based on
Up to a 30-day supply; the Up to a 30-day supply; the
20% coinsurance after what would have been The Plan pays 70% after The Plan pays 70% after
Preferred brand Plan pays 90% after Plan pays 90% after
prescription deductible paid at a participating deductible deductible
deductible deductible
(min $30, max $90) pharmacy

Non-preferred
prescription deductible
brand
(min $50, max $150)
Mail-order Up to a 90-day supply
$20 copay after

Generic
prescription deductible Up to a 90-day supply; the Up to a 90-day supply; the
$70 copay after Not covered Plan pays 90% after Not covered Plan pays 90% after Not covered
Preferred brand deductible deductible
prescription deductible
Non-preferred $130 copay after

brand prescription deductible
Note regarding prescription medications: Monthly quantities of certain medications that are considered to be specialty drugs may be limited to a one-month supply to ensure plan members get the most effective
and appropriate therapy possible according to Food and Drug Administration guidelines, medical literature, or treatment guidelines. In most cases, these medications will be available at both the retail pharmacy and
through the mail-order service.
13
2024 Benefits Enrollment Guide 90-day maintenance medication program
90-day maintenance medication program

If you take a maintenance medication, you must fill the prescription through mail order
or have a 90-day script filled at certain retail pharmacies. Note: Aetna, Anthem, and
UHC have different options for 90-day retail refills.
90-DAY MAINTENANCE MEDICATION PROGR AM
Aetna – Maintenance Choice Anthem – RX Maintenance 90 UnitedHealthcare – Walgreens90 Saver Plus
Maintenance Choice gives you a choice to fill a 90-day supply RX Maintenance 90 allows you to fill a 90-day supply of your Walgreens90 Saver Plus allows you to fill a 90-day
of your maintenance medication through either Aetna Rx maintenance medication by mail-order or by selecting a participating supply of your maintenance medication by mail-order or
Home Delivery ® mail-order pharmacy or CVS Pharmacy retail retail pharmacy. Walgreens pharmacy.
locations.
• After receiving two courtesy maintenance Rx fills at retail, you must • After receiving two courtesy maintenance Rx fills at
• After receiving two courtesy maintenance Rx fills at retail, take action: Elect to either fill a 90-day supply of your maintenance retail, you must take action: Either elect to fill a 90-day
Carrier and you must take action: Elect to either fill a 90-day supply of medication at a participating RX Maintenance 90 retail location or supply of your maintenance medication at Walgreens or
program your maintenance medication at a CVS pharmacy or enroll in enroll in mail-order through CarelonRx. enroll in OptumRx Home Delivery.
mail-order the mail-order option.
• If you have not taken action by your third retail Rx fill, your • If you have not taken action by your third retail Rx fill, your
program details • If you have not taken action by your third retail Rx fill, your medication will not be covered under the Plan, and you will be medication will not be covered under the Plan, and you
medication will not be covered under the Plan, and you will charged the full Rx cost for the third fill. will be charged the full Rx cost for the third fill.
be charged the full Rx cost for the third fill.
• There is no option to opt out of this program. • There is no option to opt out of this program.
• There is no option to opt out of this program.
Enroll in mail-order Rx by either calling Aetna at +1 888 792 Enroll in mail-order Rx by either calling CarelonRx at +1 833 236 6196 Enroll in mail-order by calling +1 800 377 2543 or visiting
3862 or by visiting www.aetnanavigator.com and clicking on or through the My Decision Center tool on the CarelonRx website after www.myuhc.com. Select “Manage My Prescriptions” and
“Aetna Pharmacy” at the top of the page. you log in at www.anthem.com. “Get Started.”
What actions do If you continue using a CVS pharmacy to fill your maintenance If you continue using a Walgreens pharmacy to fill your
Rx, no action is required. Your pharmacist will contact your Identify a RX Maintenance 90 retail location to fill your 90-day maintenance Rx, no action is required. Your pharmacist
I need to take? maintenance medication. All CVS, Target, Walmart, Kroger, Safeway,
doctor and request a new 90-day prescription and process it will contact your doctor and request a new 90-day
for pickup. and Costco retail pharmacies are in the RX Maintenance 90 network. prescription and process it for pickup.
You will receive two 30-day courtesy fills at retail. If you have You will receive two 30-day courtesy fills at retail. If you have not You will receive two 30-day courtesy fills at retail. If you
not actively elected mail-order or 90-day retail Rx through CVS actively elected mail-order or selected a RX Maintenance 90 retail have not actively elected mail-order or 90-day retail Rx
What happens if pharmacy, your medication will not be covered under the Plan, location, your medication will not be covered under the Plan, and you through Walgreens, your medication will not be covered
I take no action? and you will need to pay the full cost for a 30-day retail Rx fill. will need to pay the full cost for a 30-day retail Rx fill. under the Plan, and you will need to pay the full cost for a
30-day retail Rx fill.
If you elect mail-order, you can contact your doctor for a new If you elect mail-order, you can either contact your doctor for a new 90- If you elect mail-order, you can either contact your doctor
90-day prescription or have Aetna Rx Home Delivery ® do this day prescription or have CarelonRx do this for you. for a new 90-day prescription or have OptumRx do this
for you. for you.
Do I need to If you elect to use a RX Maintenance 90-day retail pharmacy,
contact my If you elect to use a CVS pharmacy, you can have the the pharmacy can assist you with transitioning to the 90-day If you elect to use Walgreens, you can have the
doctor? pharmacist assist you with transitioning to the 90-day retail retail option. pharmacist assist you with transitioning to the 90-day
option. retail option.
14
2024 Benefits Enrollment Guide Telemedicine
While seeing your doctor in person may be

preferred, getting care via telemedicine is a great
alternative if you are traveling for work or vacation,
become sick outside of doctor’s office hours or
are unable to get a same-day appointment with
your doctor.
Telemedicine
Telemedicine is available through Aetna, Anthem, and UnitedHealthcare Telemedicine doctors can help address a wide variety of issues, such as
and allows you and your covered dependents (minor dependents must be sinus problems, bronchitis, allergies, poison ivy, cold and flu symptoms, sore
accompanied by an adult) to connect via phone or online video chat with US throat, nausea, stomach upset, bladder or urinary tract infections, respiratory
board-certified doctors who can diagnose, recommend treatment, and, in certain infections, pinkeye, or rash. In addition, the telemedicine benefit offers mental
circumstances, prescribe medication. As with an in-person office visit, each health visits or one-on-one counseling over the phone at your convenience, 24
telemedicine visit is in full compliance with the privacy and security protection hours, seven days per week.
afforded under the Health Insurance Portability and Accountability Act (HIPAA).
Note: You must be enrolled in one of the national medical plans to access telemedicine. For more information on telemedicine, contact your respective national carrier
or visit their website.
Carrier
Details
(respective offering name)
• Available in all states, 24/7/365 by phone or online video consultation.

Aetna • 10% coinsurance after deductible if enrolled in the HDHP plan due at the time
Teladoc of consultation. This payment is reimbursable for Health Savings Account
participants.
Anthem • $25 copay if enrolled in the Anthem PPO Plan, or 10% coinsurance after
LiveHealth Online deductible if enrolled in the Anthem HDHP, due at time of consultation. This
payment is reimbursable for Flexible Spending and Health Savings Account
participants.

UnitedHealthcare • 10% coinsurance after deductible if enrolled in the HDHP or Basic Plan, due
Virtual Visits at the time of consultation. This payment is reimbursable for Flexible Spending
and Health Savings Account participants.
15
2024 Benefits Enrollment Guide Managing medical costs
Managing medical costs Use in-network providers
Consider these cost-effective options to help manage your out-of-pocket costs and By seeing an in-network provider, you will receive the most cost-effective care
get the greatest value from your medical plan. available through your plan. There are no claim forms to file, and the doctor
has agreed to accept your plan’s pre-negotiated rates. You can locate a network
Consider an HDHP to lower your biweekly premiums provider by contacting your respective national carrier or visiting their website.
HDHP plan premiums are lower compared with the PPO plan, but the plan still Take advantage of preventive care
provides a full level of coverage. HDHPs use a “pay-as-you-go” approach with
higher deductibles, so you pay more out of pocket for medical care when you seek Preventive care can help you and your family members identify potential health
treatment until the deductible is met (preventive care is covered at 100%). As a issues early on, which helps support better outcomes. Deloitte’s medical and dental
result of the lower premiums, you may have a lower total annual cost depending on plans provide:
your medical needs. For a better understanding of the role premiums play on your
total out-of-pocket costs, use the medical plan comparison tool within the DBC to • 100% coverage of in-network annual well-person exams, including screenings
compare medical plan costs. and immunizations.
Establish a Health Savings Account (HSA) • Three dental cleanings per year, in- or out-of-network, with no deductible, paid
at 100% of reasonable charges.
The ability to establish an HSA is an important factor to consider when evaluating
the HDHP plans. The HSA provides you with an opportunity to build a personal fund
that you can use to pay for current and future qualified health care expenses—tax- Enroll in a flexible spending account (FSA)
free. As with an individual retirement account (IRA), you put away money before tax,
and any investment returns are tax-sheltered. HSA distributions for qualified health
• Health care FSAs allow you to use before-tax dollars to pay for eligible
care expenses are also tax-free.
medical, dental, and/or vision care expenses (as defined by the IRS) that are not
See the HSA section of this guide for more information and details. paid by a Deloitte medical, dental, or vision plan (or any other medical, dental, or
vision plan under which you or your eligible dependents are covered)—tax-free.
Options for after-hours care
• If you have children or other eligible dependents, including your spouse or
Whenever you need non-emergency medical care outside your physician’s parents, who need care so you can work, the Dependent Care FSA lets you pay
scheduled office hours, try: for their care with before-tax earnings deducted from your biweekly paycheck.
• Accessing your medical plan’s 24-hour nurse’s service, where you can speak live See the FSA section of this guide for more information and details.
with a registered nurse for medical guidance.
• Using Telemedicine to connect with a US board-certified doctor via phone or

online video chat. Telemedicine is available during and after business hours,
when it is inconvenient to go to the doctor’s office, and is great for when you’re
traveling, too.
• Looking for urgent care centers in your area. These centers can treat a broad
range of medical issues, resulting in less time spent in the emergency room and
potentially lower costs, too.
16
2024 Benefits Enrollment Guide Dental plan
Dental plan
The MetLife dental PPO plan provides choice and flexibility. If you choose to receive care from a preferred provider, your
share of the cost is based on the lower, network-negotiated rate. If you choose to receive care out of network, your share
of the cost will be based on the percentage reimbursed from the plan, plus any costs in excess of the reasonable and
customary (R&C) fees.
In keeping with our philosophy of providing a high level of preventive care, this plan offers up to three exams and
cleanings each year, which are paid at 100% of allowable fees.
Plan provisions In-network Out-of-network
50% per covered individual

Annual deductible None (Applies to basic and major
services only)
$2,000
Annual benefit maximum
combined maximum
Preventive services
• Oral exams • Full-mouth series 100% of allowable fees,
• Prophylaxis • Space maintainers 100%
no deductible
• Fluoride and sealant
• Periapical & bitewing X-rays
Basic services
• Endodontic therapy • Denture, bridge, and
• Amalgam (silver) fillings crown repair 80% 80%, after deductible
• Composite fillings • General anesthesia
• Oral Surgery and
extractions
Major services
• Prosthodontics and major • Crowns
50% 50%, after deductible
restorations • Full and partial dentures
• Inlays and onlays • Bridges
Temporomandibular joint (TMJ) 50%, no deductible 50%, no deductible
Lifetime maximum $1,500 combined maximum
Bruxism 50%, no deductible 50%, no deductible
Lifetime maximum $1,500 combined maximum

17
2024 Benefits Enrollment Guide Vision plans
Vision plans Plan provisions In-network

Voluntary vision plan
Out-of-network
Discount program
In-network only
Exam with dilation as $5 off routine exam; $10 off
$0 copay $35 allowance
Two vision care plan options are available through necessary contact lens exam
Retinal imaging benefit $39 $20 allowance N/A
EyeMed:
Standard contact lens fit
Up to $40 N/A N/A
and follow-up
• Voluntary vision care plan (you must choose to Premium contact lens fit
10% off retail price N/A N/A
enroll in this coverage) and follow-up
$0 copay; $160 allowance,
Frames $80 allowance 35% off retail price
• Discount vision program (Deloitte provides this 20% off balance over $160
coverage for you automatically) Standard plastic lenses
Single vision No copay $25 allowance $50 copay
Bifocal No copay $40 allowance $70 copay
Both plans provide benefits for eye exams, lenses,
Trifocal No copay $65 allowance $105 copay
frames, and contact lenses. However, the discount Lenticular No copay $65 allowance N/A
program is not an insurance plan; it provides a Standard progressive $65 copay $40 allowance $65 copay
discount on vision services at selected vendors. Progressive Premium Tier 1 $85 copay $40 allowance 20% off retail price
Progressive Premium Tier 2 $95 copay $40 allowance 20% off retail price
Membership cards are provided only to voluntary Progressive Premium Tier 3 $110 copay $40 allowance 20% off retail price
vision plan participants. If you wish to bring a Progressive Premium Tier 4 $175 copay $40 allowance 20% off retail price
discount card with you to your eye care provider, Lens option
you can print it directly from the DBC. Your vision UV treatment $15 copay N/A $15 copay
Tint (solid and gradient) No copay $8 allowance $15 copay
care professional can also verify your coverage
Standard plastic scratch
directly with EyeMed by calling +1 866 299 1358. coating
No copay $8 allowance $15 copay
Standard polycarbonate No copay $28 allowance $40 copay

Standard anti-reflective
No copay $32 allowance $45 copay
coating
Anti-Reflective – Premium
$57 copay $32 allowance 20% off retail price
Tier 1
Tier 2
Tier 3
Photochromatic/
$75 copay N/A 20% off retail price
Transitions
Other add-ons and
20% off retail price N/A 20% off retail price
services
Contact lenses
Conventional $100 allowance 15% off retail price
15% off balance over $160
Disposable $100 allowance Not covered
plus balance over $160
Medically necessary $0 copay, paid in full $200 allowance Not covered
Lasik or PRK from US 15% off retail price 15% off retail price
N/A
Laser Network (5% off promotional price) (5% off promotional price)
Frequency
Examination Once every calendar year Unlimited
Frame Once every calendar year Unlimited
Lenses or contact lenses Once every calendar year Unlimited
18
2024 Benefits Enrollment Guide Flexible spending accounts
Flexible spending
Use it or lose it!
FSA expenses must be incurred during the
calendar year while you are participating
accounts in the plan. You have until March 31,
2025, to file claims incurred in 2024 with
Flexible spending accounts (FSAs) allow you to contribute a portion of your regular HealthEquity. To submit claims electronically
earnings to pay for qualified expenses on a pre-tax basis. The IRS requires you to or access claim forms, access the
re-enroll in your FSA each year, even if you are electing to contribute the
same amount as last year.
HealthEquity website (via the DBC).
Note: If you re-enroll, your FSA debit card continues to be valid until the expiration date
printed on the card, so please hold on to it.
Three types of FSAs are available:
Might appeal to Eligible Plan Plan

Plan type
someone who: expenses requirements restrictions
Wants to use
Enroll during your
Health Care before-tax dollars Cannot be
initial enrollment
Flexible to cover out-of- Qualified medical, enrolled in both
period, then each
Spending pocket costs for dental, vision the HCFSA and
year during Open
Account (HCFSA) certain health LPFSA or HSA
Enrollment.
care expenses
Enroll during your

Wants to use the initial enrollment
LPFSA for annual period, then each
Limited Purpose eligible expenses year during Open Cannot be
Flexible while saving HSA Qualified dental Enrollment. Must enrolled in both
Spending contributions for and vision be enrolled in one the HCFSA and
Account (LPFSA) future use, of the HDHPs, or LPFSA
including during the UHC Basic
retirement Plan, as well as
the HSA.
Dependent Day Enroll during your

Care Flexible Has children or Qualified initial enrollment
Spending other dependents dependent day period, then each None
Account who need care care expenses year during Open
(DCFSA) Enrollment.
19
Health Care FSA (HCFSA)

HCFSAs allow you to use before-tax dollars to pay for eligible health care expenses For 2024, the maximum you can
(as defined by the IRS) that are not paid by a Deloitte medical, dental, or vision contribute to an HCFSA is $3,050;
plan (or any other plan under which you or your eligible dependents are covered).
any unused balance in your account
As you determine whether an HCFSA is right for you, remember that you have
the potential to reap tax savings. Your contributions will be deducted in equal
at the end of the year will be forfeited.
amounts from your paychecks throughout the year before federal—and, in most The medical plan comparison
cases, state—income and FICA taxes are withheld. This means that you’ll have less
tool within the DBC can help you
income for the federal government to tax (versus paying these same expenses
with after-tax dollars), so you reduce your current taxes. determine how much to contribute so
Eligible HCFSA expenses
you can gain the maximum tax benefit
without losing money.
Your contributions can be used to cover eligible health care expenses that you,
your spouse, or your tax dependents (as defined for federal income tax purposes,
regardless of your dependent’s gross income) incur while you are contributing to
your account. For example, you may be reimbursed for medical expenses for your
dependents even if you cannot claim the individual as a tax dependent for tax
filing purposes (because the individual’s annual gross income exceeds IRS limits).
Expenses eligible for reimbursement from the HCFSA include, but are not limited to:
• Medical, prescription drug, dental, and vision plan deductibles, copayments,

and/or coinsurance.
• Amounts not reimbursed by the medical, dental, and/or vision plans because
they exceed reasonable and customary fees.
• Certain eligible health care expenses not covered by any insurance plan, such
as over-the-counter items like bandages and supplies for contact lenses.
• Eyeglasses and contact lenses not covered through the vision plan, including
prescription sunglasses.
• Laser eye surgery (you should verify that you are an eligible candidate for this
procedure before you elect to contribute to cover the expenses).
Visit www.irs.gov (publication 502) for a complete list of eligible health care expenses.
20
HCFSA debit card
HCFSA cards have expiration dates five

years from the date of issue. If you have
a current (not expired) HCFSA card, any
contributions you make to your HCFSA for
the coming calendar year will be credited
If you enroll in an HCFSA, you automatically receive a debit card that can be used to pay to your existing card.
for eligible health care items and/or services. However, you always have the choice to use
the card or pay out of pocket and file paper claims—whichever you prefer.
Note: An additional card may be requested for use by an eligible dependent.
The HCFSA debit card is accepted at medical and dental offices, hospitals, health care
clinics, and retail and online pharmacies; however:
• You will be required to substantiate expenses not purchased at certified pharmacies

or retailers if the expenses are not a standard copay amount within the plans, so
keep your receipts.
• If you visit an out-of-network provider for services, or if a provider or merchant selling

eligible items or services does not accept the debit card, you can pay out of pocket
and submit a claim form to receive reimbursement.
– Note: You can be reimbursed from your HCFSA up to your annual contribution
amount, regardless of how much you have contributed to date through payroll
deductions; there is no need to wait to submit claims.
Save your receipts

Because HCFSA and LPFSA are funded with before-tax dollars, IRS regulations require
that you retain all the itemized receipts for purchases made with the debit card. It may be
necessary for you to submit a receipt to prove the eligibility of a purchase you have already
made. HealthEquity, the administrator of the account, will notify you if a receipt is needed
for a particular purchase. Please save all your receipts and respond to any outreach from
HealthEquity promptly to avoid suspension of your card purchasing privileges.
21
Limited Purpose FSA (LPFSA)

If you are enrolled in one of the HDHPs, or the UHC Basic Plan, and contribute to an
HSA, you may participate in an LPFSA. Note: HDHP participants cannot be enrolled in
both an HSA and a traditional HCFSA, due to IRS regulations.
By participating in the LPFSA, you can set aside money from each paycheck on a
before-tax basis—reducing taxable income, similar to a traditional HCFSA—and
save on immediate and future health costs. For example, the LPFSA can be used to
save on annual qualified dental and vision expenses, while money put into the HSA
can be saved for future use, including during retirement. What’s more, for eligible
HDHP plan participants, Deloitte will contribute $500 for individual coverage or up
to $1,000 for coverage with a dependent to your HSA.
It’s important to note:
• For 2024, the LPFSA limit is $3,050.
• LPFSA can only be used for qualified vision and dental expenses.
• HDHP and UHC Basic Plan participants must be enrolled in an HSA in order to
be eligible to enroll in the LPFSA. Elections for the HSA and the LPFSA must be
made during your enrollment period.
• Any unused LPFSA balance in your account at the end of the year will be
forfeited.
Visit www.irs.gov (publication 502) for a complete list of eligible health care expenses.
22
Dependent Care FSA (DCFSA)

If you have children or other eligible dependents, including your spouse or parents, Eligible DCFSA expenses include but are not limited to:
who need care, the DCFSA lets you pay for their care with before-tax earnings.
• A day care center (includes before and after school) that meets local
For 2024, you can contribute up to $5,000 to your DCFSA ($2,500 if you’re married regulations, provides care for more than six nonresidents, and receives
and file taxes separately). DCFSA contributions are deducted in equal amounts a fee for such services, whether or not for profit.
from your paychecks throughout the year before federal—and, in most cases,
• A housekeeper, maid, or cook if the individual is also responsible for the
state—income and FICA taxes are withheld, so you reduce your taxable income.
well-being and protection of an eligible dependent.
– Please note that Deloitte is required to conduct nondiscrimination testing for our
• Dependent day care provided in your home by a babysitter or
DCFSA plan to ensure it does not favor highly compensated employees, as defined
companion, including your non-tax-dependent children who have
by Internal Revenue Code. To the extent corrective action is required, a DCFSA
attained age 19 by the end of the calendar year or other individual
election reduction may occur for our highly compensated employees and will be
whom you (or your spouse/domestic partner) cannot claim as a tax
communicated to all affected professionals during the plan year.
dependent on your federal income tax return.
Eligible DCFSA expenses
• Dependent day care services provided outside your home for a
To be eligible for reimbursement from a DCFSA, expenses must be incurred dependent child under age 13. Additionally, dependent care services
because you work (and are not married) or you work and your spouse/domestic provided outside your home for any other eligible dependent (e.g.,
partner works, attends school full-time, or is disabled. Additionally, the expenses a disabled spouse or older child, an elderly parent), but only if such
must be incurred for your eligible dependents, including: individual spends at least eight hours a day in your home.
• A licensed nursery school or preschool.

• A child under age 13 who is your natural child, stepchild, adopted child, foster
child, grandchild, (step)brother, (step)sister, niece, or nephew provided: • After-school programs.
• Eligible day care facilities, senior centers, or in-home care for an elderly
– The child lives with you for more than one-half of the calendar year, and
or disabled adult (who qualifies as an eligible dependent).
– Does not provide more than one-half of their own support for the calendar
year.
• Your spouse or a tax dependent of any age who is physically or mentally Visit www.irs.gov (refer to Publication 503) for a complete list of eligible
unable to care for themselves and lives with you for more than one-half of DCFSA expenses.
the calendar year.
Submitting DCFSA claims
When you incur a qualified expense, you pay the expense and submit the
appropriate claim form along with a receipt to HealthEquity, the administrator of
the account. You will be reimbursed with tax-free dollars for the full amount of your
claim, up to the amount that has already been deposited through contributions to
your account at that time (minus reimbursements already made during the year).
Any remaining claim amounts will be reimbursed as additional contributions are
made to your account.
23
2024 Benefits Enrollment Guide Life and accident insurance
Life and accident

insurance
Life and accident insurance helps protect you and/or your family, who may depend Deloitte-paid coverage
on your income, from the financial impact of an unexpected loss of life or a
catastrophic accident while traveling for work. Core life insurance
Deloitte provides you with core levels of coverage at no cost to you. You can also Deloitte provides you with life insurance equal to 1x your annual base salary, up to a
choose to purchase additional coverage for yourself and/or your eligible dependents. maximum of $750,000. This coverage is provided through group term life insurance.
Note: Although core life insurance is provided at no cost to you, the IRS requires that you
be taxed on the value of coverage amounts over $50,000. This is called “imputed income”
and will appear on your paycheck as taxable earnings.
Business travel accident (BTA) insurance

LIFE AND ACCIDENT INSUR ANCE AT A GL ANCE
Deloitte provides you with BTA coverage to protect you and your family if your death
or serious injury is the result of an accident while you are traveling on business.
Benefit plan Coverage amount Who pays These amounts are:
• Managers and senior managers: $250,000

Core (basic) One times your annual base
Deloitte
life insurance salary to $750,000 • All other client service professionals and administrative levels 1–4: $100,000
Optional 1–10x your annual base salary

You
life insurance to a maximum of $1,500,000
Spouse/domestic partner is up
Dependent
to $200,000 and child is up to You
life insurance
$15,000
Business
Up to $500,000 Deloitte
travel accident
Increments of $10,000 to
Personal
$500,000 for you and your You
accident insurance
eligible dependents
24
Your optional life and accident insurance options Beneficiary designation
If you would like to obtain more coverage than Deloitte provides, you may choose If you should suffer a covered injury, benefits under the personal accident and BTA
to purchase life and/or accident coverage for yourself and your eligible dependents plans will be paid to you as applicable. If you die, benefits will be paid to whomever
on an after-tax basis. You pay the full cost of any optional coverage you select, and you have designated as beneficiary for the core and optional life insurance plans.
your contributions are generally based on your age and the amount of coverage You can make your beneficiary designation online via the Deloitte Benefits Center.
you select. The cost of optional life insurance for your spouse or domestic partner
is based on their age and the amount of coverage you select. Note: An age reduction If you die without designating a beneficiary, your life insurance benefits will be paid
schedule applies once you or your spouse/domestic partner reaches age 65. For more in equal shares to your survivors in the following order:
information, please see the Summary Plan Description documents posted on the Deloitte
Benefits Center. • Your surviving spouse
Optional life insurance • If you have no spouse, to your surviving children
Newly eligible professionals may elect the lesser of 5x annual base salary or • If you have no surviving children, to your surviving parents
$750,000 of optional life insurance without providing evidence of good health. • If you have no surviving parents, to your surviving siblings
Higher amounts will require you to submit a statement of health form for medical
underwriting review. • If you have no surviving siblings, to your estate
Once employed and electing optional life insurance for the first time during Annual
Open Enrollment, any level of coverage chosen will require Evidence of Insurability
(EOI).
Personal accident insurance
Personal accident insurance pays benefits in addition to your life insurance and
BTA insurance if you die as a result of an accident. It also pays benefits to you if you
suffer certain serious injuries as a result of an accident. You can buy this coverage in
increments of $10,000, up to a maximum of $500,000.
25
Your dependent life and accident insurance options Dependent accident insurance
For added protection, you may want to consider purchasing life or accident You must be enrolled in personal accident insurance in order to enroll your eligible
insurance for your spouse/domestic partner and/or eligible children. You pay the family members in this coverage. If you choose family coverage, your spouse/
full cost of any additional coverage you elect with after-tax dollars. In this case, there domestic partner and/or eligible dependent children will be included as follows:
is no need to select a beneficiary, as you are automatically the beneficiary for any life
or accident insurance you elect for your eligible dependents. • When your spouse/domestic partner and dependent children are covered, your
spouse/domestic partner is covered for 40% of your coverage amount, and
each child is covered for 10% of your coverage amount.
Spouse/domestic partner life insurance • When your spouse/domestic partner is covered and you have no dependent
children, your spouse/domestic partner is covered for 50% of your coverage
Coverage options are as follows:
amount.
• $25,000 • $75,000 • $125,000 • $175,000 • When your eligible children are covered but you have no spouse/domestic
partner, each child is covered for 15% of your coverage amount.
• $50,000 • $100,000 • $150,000 • $200,000
Newly eligible employees may elect up to $100,000 of spouse/domestic partner life

insurance without proving good health. Higher amounts will require you to submit a
statement of health form for medical underwriting review.
Once employed and electing spouse/domestic partner life insurance for the first
time during Annual Open Enrollment, any level of coverage chosen will require EOI.
Child life insurance
Your coverage options for each of your children, up to age 26, are as follows:
• $5,000
• $10,000
• $15,000
If you elect child life coverage, all your eligible children will be covered
for the selected amount. Your contributions are based on a flat rate per
$1,000 of coverage, regardless of how many children you have. EOI is not
required for this coverage.
26
2024 Benefits Enrollment Guide Disability insurance
Disability insurance
Deloitte-provided disability coverage Newly eligible employees may elect LTD supplemental coverage without
providing evidence of good health. Once employed and electing this coverage
Deloitte provides you with short-term disability (STD) and a core level of long- for the first time during Annual Open Enrollment, any level of coverage chosen
term disability (LTD). Here’s how the program works: will require Evidence of Insurability (EOI).
• Any workdays you are normally scheduled to work in the first seven calendar
days of your absence due to illness, injury, physical condition (including DISABILIT Y INSUR ANCE AT A GL ANCE
pregnancy and pregnancy-related), or mental condition will be charged
against your paid time off (PTO). Benefit plan Coverage amount Who pays
• As long as your qualified health care provider certifies you are unable to
work, and you are approved for benefits under the program, in any rolling
12-month period, you may be eligible for 13 weeks of base salary at 100% Income replacement for up to 25
and an additional 12 weeks of base salary at 50% of pay. Short-term disability Deloitte
weeks while certified disabled
After 26 weeks of absence due to illness or injury, you may be eligible to

receive LTD benefits from MetLife as follows:
Deloitte-provided income
replacement in case of disability:
• Core LTD: Provided to all eligible professionals at no direct cost, it replaces Core long-term
40% of base annual earnings to a Deloitte
40% of your pre-disability annual base salary, up to a monthly maximum disability
maximum benefit of $10,000 per
benefit of $10,000 (monthly maximum covered base earnings under the month
core LTD plan are $25,000). The value of Deloitte’s contribution for this
coverage is added to your paycheck as imputed income, so you will not pay
taxes on any benefit you receive if you become disabled. Additional income replacement of
20% (maximum monthly benefit
• Core +20% LTD supplemental: If you would like to have a higher level of LTD supplemental You
of $15,000) or 26.67% (maximum
LTD coverage, you may purchase coverage increasing your total LTD benefit monthly benefit of $20,000)
to 60% of your annual base salary for a total monthly maximum benefit of
$15,000.
• Core +26.67% LTD supplemental: For an even higher level of LTD

coverage, you may purchase coverage increasing your total LTD benefit
to 66.67% of annual base salary for a total monthly maximum benefit of
$20,000.
The premiums you pay on core +20% and core +26.67% coverage are on an
after-tax basis. You do not pay taxes on any benefit you receive.
27
2024 Benefits Enrollment Guide Other coverage options
Other coverage
options
Personal Umbrella Liability (PUL)
MetLife group legal
This policy increases your personal liability limits by supplementing your primary
insurance on a wide range of personal liability exposures, such as residences, The group legal plan entitles you and your eligible dependents to receive cer-
autos, watercraft, recreational vehicles, pets, swimming pools, etc. This policy tain personal legal services, including advice and consultation, either through
does not cover professional liability or claims arising out of any business, use of an office consultation or by telephone. The group legal plan can provide you
aircraft, or other exclusions as defined in the policy. with assistance with issues such as:
Important! You must maintain the required underlying insurance, including • Credit monitoring • Civil litigation
liability limits. Failure to keep adequate underlying insurance in force will
not invalidate this policy; however, claims will be processed as if you had • Consumer protection matters • Administrative hearing representation
complied with this condition. This could result in a gap of coverage equaling
• Small claims assistance • Affidavits
the variance between your underlying coverage amounts and the required
underlying limits. For more details visit the DBC, available via the Benefits tile • Debt collection • Deeds
on Talent on Demand.
• Identity theft defense • Demand letters
• Personal bankruptcy • Mortgages
• Tax audits • Family law
You may only enroll in PUL during

Open Enrollment. You pay the cost
of this coverage through after-tax
payroll deductions.
28
2024 Benefits Enrollment Guide 2024 Benefit premiums
2024 benefit premiums

BIWEEKLY CONTRIBUTIONS FOR NATIONAL MEDICAL PL ANS BIWEEKLY PREMIUMS FOR DENTAL AND VISION
You + spouse/ You + spouse/
National plan You only You + child(ren) Family National plan You only You + child(ren) Family
domestic partner domestic partner
Aetna HDHP $75 $165 $142 $251 MetLife Dental $9.00 $19.00 $19.00 $31.00
EyeMed Voluntary
$4.22 $7.97 $8.44 $12.74
Anthem Blue Card PPO $104 $231 $199 $354 Vision
Anthem HDHP $75 $165 $142 $251 BIWEEKLY CONTRIBUTIONS FOR LONG-TERM DISABILIT Y
UHC Basic Plan $20 $45 $38 $67 Percentage of salary Biweekly rate per $100 of
Coverage level
replaced coverage
UHC HDHP $75 $165 $142 $251 Provided automatically
Core coverage 40%
by Deloitte
Core + 20% 60% $0.060
Core + 26 2/3% 66.67% $0.168
BIWEEKLY PERSONAL ACCIDENT INSUR ANCE R ATES

BIWEEKLY OPTIONAL LIFE INSUR ANCE R ATES Biweekly cost per
Personal accident insurance
$10,000 of coverage
Employee optional life insurance Spouse/domestic partner life Child life insurance
Individual $0.083
Cost Cost Coverage Family $0.115
Age Age Flat rate
per $1,000 per $1,000 per child
<25 $0.014 <25 $0.016 $5,000 $0.115

BIWEEKLY PREMIUMS FOR GROUP LEGAL
25–29 $0.017 25–29 $0.016 $10,000 $0.231
30–34 $0.023 30–34 $0.016 $15,000 $0.346 MetLife Legal Biweekly rate
35–39 $0.027 35–39 $0.024 Group legal $8.28

40–44 $0.034 40–44 $0.035
45–49 $0.056 45–49 $0.052

PERSONAL UMBRELL A LIABILIT Y R ATES
50–54 $0.087 50–54 $0.080

Personal Umbrella Liability
4% surplus tax* Biweekly contribution
55–59 $0.147 55–59 $0.150 — Employee plan
60–64 $0.239 60–64 $0.229 $1,000,000 $22.88 $22.00
65–69 $0.452 65–69 $0.442 $2,000,000 $29.68 $28.54
70–74 $0.620 70–74 $0.723

* The 4% surplus tax is a required one-time deduction that will be applied to your first
>75 $0.903 >75 $0.951 paycheck of the year.
29
2024 Benefits Enrollment Guide Thriving together
Thriving together
Deloitte cares about you and is committed to supporting you throughout your • FertilityIQ is an online resource that provides prospective parents with
individual journey — meeting you where you are so you and your loved ones can inclusive and equitable educational materials about fertility-related subjects
thrive mentally, physically, and financially and care for your well-being. and extensive data to plan for and build your unique family.2
In addition to the benefits outlined in the preceding sections of this benefits • Flexible and virtual work arrangements may be offered to meet the
guide, the following benefits, programs, and resources are available to support evolving and individual needs of eligible professionals.
you and your dependents. • Hinge Health digital physical therapy is available at no cost to you and
your eligible dependents (age 18+) enrolled in our national medical plans.
• The 529 college savings plan makes saving for college easy with automatic Hinge Health is designed to support musculoskeletal health and help reduce
contributions directly from your bank account into a 529 account featuring a muscle and joint pain. If you are eligible, you will receive a physical therapy plan
range of investment options that provide the opportunity for tax-free growth.1 customized to your needs, goals, and abilities; dedicated one-on-one support
from Hinge Health’s care team; and access to the Hinge Health app that you can
• Approved time away from work is provided for a variety of reasons,
use to complete your physical therapy program anytime, anywhere.
including but not limited to bereavement, military duty, jury duty, and more.
• Identity theft protection, offered at a discounted rate, provides credit
• Auto and home insurance provides a special group discount for insurance
reports, scores, and alerts; internet fraud monitoring; and identity fraud
coverage.
resolution services.
• Before-tax transportation and parking programs help you save money
on qualified transportation expenses, such as parking and mass transit costs.
• Bright Beginnings—Family Support Network is a comprehensive national

medical carrier program to assist and guide you through fertility, maternity,
and neonatal care.
• Bright Horizons emergency backup dependent care and family

support services offers options and support when you need to be at work
and your regular child, adult, or elder care is unavailable. Family support
services provide easy access to resources when researching babysitters,
nannies, housekeepers, and elder care providers; as well as dog sitters. 1 The Vanguard 529 College Savings Plan satisfies Deloitte’s Independence Policy,
so it’s one less thing to worry about when saving for college. All professionals
• Career development and performance snapshots provide professionals
who are required to report their Financial Relationships in Tracking & Trading
with on-the-job trainings, diverse learning opportunities, and frequent
should remember to report any 529 Plan in which they are invested (including
performance feedback to facilitate career growth. the Vanguard Plan). If you should decide to invest in a non-Vanguard 529 Plan,
consideration should be given to your role and the clients you serve prior to
• Deloitte’s emergency backup dependent care reimbursement
investing, as certain 529 plans are Restricted Entities.
program provides for reimbursement of fees paid, up to $100 per day for a
maximum of seven days, for care not provided through the Bright Horizons 2 Resources available via FertilityIQ are provided as a convenience for informational
program (any days reimbursed will be subtracted from Bright Horizons’ purposes only; Deloitte does not endorse or recommend any particular service,
emergency backup dependent care 30-day limit). provider, or content contained within the FertilityIQ site or subsequent links.
FertilityIQ cannot guarantee that a doctor or clinic it suggests to you will be
• Discount purchase program provides professionals with access to in-network with your health plan, whether that plan is Deloitte-sponsored or
discounts to more than 30,000 online retailers, local restaurants, and otherwise. You should confirm network coverage with your health plan provider
merchants, as well as access to Deloitte exclusives. before choosing a specific health care provider.
30
• Integrated Mental Health Services offers a personalized, concierge-style • Personal banking program provides professionals with access to several
approach to support you and your eligible dependents’ psychological health financial institutions where they can take advantage of reduced fees
along the continuum of human experience—from thriving to challenged. Our associated with basic banking services, including checking and savings
in-house team of psychologists and experts facilitate the delivery of clinical accounts, as well as loans and mortgage assistance.
and Performance Psychology services through a highly curated, private panel
• Pet insurance is offered at a discounted rate to help reduce certain pet care
of clinical professionals and Performance Psychology experts. There is no cost
expenses, from routine office visits to significant medical incidents. A wellness
to you to speak with a mental health clinician, and you may qualify for up to
option that covers additional preventive care services is also available.
eight complimentary counseling sessions (per incident/per year). Treatment
navigation assistance also is available for a higher level of care needs. What’s • Remembrance fund provides optional financial and nonfinancial benefits to
more, IMHS is available in addition to any existing mental health services Deloitte families if a Deloitte professional or immediate family member dies.
you may already receive and does not impact any existing medical benefits,
insurance coverage or benefit, or self-pay arrangements. • Reproductive Health Resource guide includes an overview of the available
benefits and programs to support you and your family through every step
– Note: Currently, Performance Psychology is available only to PPMDs. of the family building journey, including medical insurance for infertility, time
away from work for bonding, and more.
• International SOS offers a host of services (e.g., emergency and routine • Student loan refinancing and personal loan solutions1 allow eligible
medical service, online travel security information, etc.) to all professionals professionals to combine their existing private and federal student loans
and their immediate family members traveling outside of their home country, into one loan, consolidate credit card debt, and pay off high-interest debt
on either business or vacation. by obtaining a personal loan. Welcome interest rate discounts or a welcome
• Long-term care insurance provides help and supervision for individuals “bonus” may be available for eligible professionals.
with severe cognitive impairment or the inability to perform the activities of
daily living. Services may be provided at home or in a facility, and care may
be provided by a professional or informal caregiver, such as a friend or family
member.
• Nursing support while traveling for business reimburses nursing

mothers for reasonable expenses related to expressing milk that are
incurred for out-of-town business travel. Expenses may be related to special
accommodations at hotels or meeting sites or additional shipping charges for
shipping expressed breast milk.
• Paid time off (PTO) is offered in a single bundle (vacation, personal, sick time)
to provide maximum flexibility. Professionals can carry over a certain amount
of unused PTO per year. Paid sick and safe time is offered to professionals not
eligible for PTO. Paid collective disconnects and holidays are in addition to
PTO and allow all professionals to rest and recover at the same time.
• (USDC only) Paid family leave offers up to eight weeks of fully paid leave
in a rolling 365-day period to bond with a new child, following their birth,
adoption, or foster placement OR to care for the health of a family member.
1 This program is offered through a restricted entity, and independence policy
• (PDM only) Parental leave provides eligible professionals with two weeks may prohibit participation for certain individuals. Professionals with a Tracking
of paid leave to bond with a new child. Note: Paid parental leave requires six & Trading requirement should pre-clear the lender prior to obtaining any loans
months of service. through this program.
31
• Thank it Forward is our recognition program designed to reinforce the value • WealthPlanner is designed to help you plan for your financial future. You can
we place on our professionals and our appreciation for all they do. The Thank review the value of your retirement benefits and create personalized scenarios
it Forward web and mobile application allows professionals to publicly say to model your active and retirement cash flows.
“thank you,” and express gratitude through non-monetary “Shout Outs”. The
• WealthPortal is a one-stop hub for your current retirement and insurance
program also includes monetary awards to acknowledge eligible professionals’
information. You can quickly look at your Deloitte accounts and balances, review
efforts that exceed expectations and recognize exceptional contributions.
additional financial well-being resources, and find useful contacts for assistance.
• Wealth Accumulation Program1,2 consists of a 401(k) savings plan that
• Well-being subsidy covers 100% of qualifying well-being related expenses up
includes a Deloitte matching contribution and investment flexibility to help
to $1,000 per fiscal year.
you build wealth over time. The 401(k) savings plan account includes both
Traditional (before-tax) and Roth (after-tax) savings options. Deloitte matches • WorkWell App enables access to our Empowered Well-being resources from
$0.50 for every dollar you contribute, up to the first 6% of your eligible pay your mobile device, including articles, podcasts, micro-learning videos, and
per year (e.g., Deloitte contributes 3% of your eligible pay annually if you more.
contribute at least 6%). You can contribute 1% to 60% of your eligible pay per
year, up to the IRS limit.
– You become fully vested in Deloitte’s matching contributions after

completing three years of continuous service. Diverse investment options
to match your risk tolerance and investment advice/financial education
services are available.
1 The “401(k) savings plan” refers to the Deloitte 401(k) Plan or any other defined contribution
plan sponsored by Deloitte under which you are entitled to a benefit.
2 Plan rules vary for managing directors when compared to US employees. Puerto Rico
limitations and features may also vary. Visit DeloitteNet for additional details.
32
2024 Benefits Enrollment Guide Appendix
Appendix Aetna
National medical plan carrier resources
Anthem
UnitedHealthcare
33
Aetna
Questions? Aetna® tools and programs at your fingertips Wellness programs and resources
Call Aetna • Your member website is your connection to Aetna programs and • Health assessment
resources. Visit aetna.com and follow the prompts to complete the one-time Your first step is to take the online health assessment. After completing the
Member Services
registration. Then you can log in at any time to: five- to-seven-minute survey, you’ll receive daily activities and online wellness
+1 800 572 9096 programs to help achieve your health goal(s). You’ll learn strategies to manage
– Confirm who’s covered under your plan.
(TTY: 711) your weight, deal with stress, quit smoking, and more—all at your own pace.
Monday through Friday – Check the status of claims and view Explanation of Benefits (EOB)
statements.
8 a.m.–6 p.m. • Talk with a doctor 24/7 with Teladoc® +1 855 835 2362
– Locate network providers and facilities.
– Estimate costs of care before you go. You and your covered dependents can speak to a US board-certified doctor
through the convenience of phone, video, or mobile app visits. Teladoc provides
– Take the health assessment and access the wellness programs that are part treatment for many conditions, including these:
of your plan.
– Allergies
• D
ownload the Aetna Health app from the app store – Colds and flu
on your mobile device. The Aetna Health℠ app lets you:
– Respiratory infections
– Pull up a digital copy of your member ID card.
– Ear infections
– View benefits and claims for your whole family.
– Sinus problems
– Find doctors by location and specialty.
– Bronchitis
– View your Personal Health Record.
– Skin problems
– Get health care cost estimates and more!
– Other nonemergency issues
• Find a doctor or facility Teladoc also gives you access to behavioral health specialists to discuss mental
Aetna’s online provider directory lets you search for all network doctors, health concerns.
including specialists, walk-in and urgent care centers, and hospitals. You can
even find network labs; however, it’s important to know that Quest Diagnostics
and LabCorp are the preferred laboratories.
• Estimate
costs ahead of time
Use the Find Care & Pricing tool to get actual costs of procedures and
treatments using providers and facilities in your area. This tool factors in plan
details such as your remaining deductible and your copay or coinsurance. You
can also get cost estimates for your prescription drugs.
34
• 24-Hour Nurse Line

+1 800 556 1555 (TTY: 711)
With this 24-hour nurse line, you can speak with a registered nurse about
Questions?
health issues at any time, day or night. While only your doctor can diagnose,
prescribe, and/or give medical advice, the Informed Health Line nurses can
Call Aetna provide information on more than 5,000 health topics.
Member Services
• Aetna discounts program
+1 800 572 9096 As an Aetna member, you can take advantage of members-only savings on
(TTY: 711) vision and hearing care; gym memberships; weight management programs;
Monday through Friday natural products, services, and vitamins; and much more.
8 a.m.–6 p.m.
• Bright Beginnings—Family Support Network
+1 844 386 7354
Access free maternity support through Optum’s Bright Beginnings—Family
Support Network. This confidential program provides outreach and tools to
support a healthy pregnancy for mother and child including fertility support,
maternity support, and neonatal resources. Women who complete maternity
programs have healthier outcomes, including fewer low-birth-weight babies
and lower NICU admissions.
Aetna is the brand name used for products and services provided by one or more of the
Aetna group of subsidiary companies, including Aetna Life Insurance Company and its
affiliates (Aetna). Information is believed to be accurate as of the production date; however, it
is subject to change. See plan documents for a complete description of benefits, exclusions,
limitations and conditions of coverage. Plan features and availability may vary by location and
are subject to change. For more information about Aetna plans, refer to aetna.com.
35
Anthem
Questions? Get to know the programs, tools, and services that come • Behavioral Health Resource Center
with your plan at no extra cost If you or a loved one is dealing with a behavioral health issue, it’s important to
find help that’s right for you. Experienced staff at the Behavioral Health Resource
Call Anthem Besides your benefits, your Anthem plan comes with some great tools and Center will connect you with treatment and resources for:
Member Services resources to help you manage your health and even save you some money along
at +1 866 253 6061 the way. These extras are available whenever you need them: immediate answers – Anxiety
to your plan questions, access to a registered nurse 24/7, video visits with a doctor
– Depression
or therapist.
– Drug or alcohol use
• Digital tools – Other personal issues
Keep your health care information at your fingertips with anthem.com and
our Sydney Health mobile app. You can use these tools to find a doctor, check If you or someone close to you is struggling, call the Behavioral Health Resource
claims, compare costs of doctors near you, and more. Get registered at Center at +1 844 792 5141.
anthem.com or download the Sydney Health app from the App Store® or
Google Play™. • Anthem Case Management
If you have a chronic condition or recently left the hospital, there can be a lot to
manage. Anthem’s Case Management program partners with you and your care
• LiveHealth Online (telemedicine) team to get you back on your feet. A registered nurse case manager will help you:
For pinkeye, a sinus infection, the flu, or another common illness, use LiveHealth
– Learn about your health issue and treatment options.
Online. You can have a video visit with a board-certified doctor 24/7. A
doctor will assess your condition and send prescriptions to your pharmacy, if – Coordinate your doctors and care team.
needed.1,2 If you’re stressed or anxious, schedule video visits with a therapist.
– Make healthy lifestyle changes.
Or make an appointment with a psychiatrist to get help managing medications
for a behavioral health condition. To start using LiveHealth Online, visit
livehealthonline.com or download the LiveHealth Online mobile app. Get assistance immediately by calling Case Management at +1 800 737 1857.
• 24/7 NurseLine
Talk to a registered nurse any time with 24/7 NurseLine. Are you worried about
your child’s cough? Did you twist your ankle on vacation? Call 24/7 NurseLine if 1 Prescription availability is defined by physician judgment.
you have health questions or need help finding care. Nurses will connect you
with the care you need at any time, anywhere you are. Call +1 800 700 9184 to 2 The cost of a medical visit with LiveHealth Online will be $59.
talk to a registered nurse in minutes.
36
• Blue Distinction® Centers • Maternity management with Bright Beginnings—

Needing specialty care, such as transplants; cardiac or cancer care; or knee, Family Support Network
spine, and hip replacements, can be scary. But your Anthem plan gives you This free program is offered by Deloitte through Optum’s Bright Beginnings—
Questions?
access to Blue Distinction® Centers (BDCs). They have been recognized for Family Support Network. It gives moms-to-be the tools to support a healthy
excellent care, faster recoveries, and keeping patients problem-free. When pregnancy, including fertility support, maternity support, and neonatal resources.
Call Anthem you choose a BDC, you’ll pay a smaller portion of the cost for care, too. To find Contact the Bright Beginnings—Family Support Network for more information on
Member Services a BDC: the program by calling +1 844 386 7354.
at +1 866 253 6061
1. Go to anthem.com/findadoctor.
2. S
earch for Hospitals and Facilities and choose General/Acute Care Hospitals
from the drop-down list.
3. Check the Quality Snapshot next to the facility name to see if it’s a BDC.
• Anthem Pharmacy
With nearly 70,000 pharmacies nationwide, Anthem Pharmacy can help save
you time and money. You’ll have coverage for brand-name and generic drugs
on your drug list, most specialty drugs, and more. Explore all of your pharmacy
benefits today by logging on to anthem.com.You can:
– See if your medications are covered.

– Compare drug costs.
– Switch to home delivery.
– Refill prescriptions.
If you have more questions, call Member Services at +1 833 288 4299.
Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans, Inc. Independent licensee of the
Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.
37
UnitedHealthcare
Questions? When it comes to your health plan, there’s so much in it • 24/7 digital access to your health plan
for you. myuhc.com helps you access and manage your health plan and health
information. Use it to:
Call UHC Member
Services • Premium doctors – Find network doctors and facilities.
Your health plan helps you find the doctor that’s right for you with the
at +1 800 377 2543 UnitedHealth Premium® program. The program identifies doctors who meet
– Check your coverage and claims status.
national standards for quality and cost-efficient care, so you can choose a – Review preventive care services.
doctor with confidence. Go to myuhc.com® and click on Find a Doctor. Look
– Print a temporary ID card.
for the blue hearts.
• On-the-go access with the UnitedHealthcare mobile app

• Bright Beginnings—Family Support Network The UnitedHealthcare mobile app puts your health plan at your fingertips.
You and your family are Deloitte‘s No. 1 priority, and that is why we offer Bright Download it today to use the myuhc.com features. Plus, you can view your digital
Beginnings—Family Support Network, a comprehensive national medical ID card, find nearby care, and more.
carrier program to assist and guide you through fertility, maternity, and
neonatal care. Whatever your journey, we are here to help. To enroll, call
+1 800 377 2543. • A wellness program called Rally®
Rally is an interactive experience designed to help you move more, eat better,
feel great, and have fun in the process. Visit myuhc.com and click on any Rally link
• Advocate4Me to register. Start by taking a health survey to get a snaphot of your overall health,
You have access to experienced advocates and nurses who can: participate in Missions, and get personalized activities based on your results.
– Answer your health care questions.

• Condition management programs to help you
– Provide information on programs available through your health plan. Your health plan provides additional support to help you manage a serious
– Help you find a network provider and schedule your appointment. condition. Experienced nurses will contact you with information to help you make
more informed decisions. To learn more, call +1 800 377 2543.
– Price out the cost of care.
To talk with an advocate or nurse, call +1 800 377 2543.
• Quick and easy care with Virtual Visits (telemedicine)

With Virtual Visits, you can see and talk to a doctor from your computer, 1 Prescription services may not be available in all states.
tablet, or mobile phone—24/7. Most visits take about 10–15 minutes, and
doctors can write a prescription,1 if needed, that you can pick up at your These services are for informational purposes only. Nurses cannot diagnose problems or
local pharmacy. Use a Virtual Visit for things like fevers, sinus problems, sore recommend specific treatment and are not a substitute for your doctor’s care.
throats, or cold and flu symptoms.
For a complete description of the UnitedHealth Premium® program, including details on
the methodology used, geographic availability, program limitations, and medical specialties
participating, please see myuhc.com®.
38
Disclaimer
This document is intended to briefly summarize benefit plans available to you. It is not intended to be a summary
plan description. Although a great deal of care has been taken to ensure the accuracy of this document, there may
be unintentional differences between it and the legal documents governing the plans.
If a discrepancy exists between any part of this message and any benefit to which you are actually entitled under the
terms of any of the Deloitte programs or plans, the official program or plan documents (as interpreted by the plan
administrator in its sole discretion) and laws that govern each program or plan will be followed in determining your
rights and benefits under each program or plan. Deloitte reserves the right to amend, modify, suspend, or terminate
the programs or plans, in whole or in part, at any time without prior notice, to the extent allowed by law. This means
Deloitte has the right to change program or plan terms (including eligibility for benefits) or to discontinue any part or
all of the benefits described herein at any time.
Nothing contained in the programs, plans, or this message is to be construed as an express or implied contract of
employment for any definite or continuing period of time or for any benefits associated with employment.
Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms,
and their related entities. DTTL (also referred to as “Deloitte Global”) and each of its member firms are legally
separate and independent entities. DTTL does not provide services to clients. Please see www.deloitte.com/about to
learn more.
Copyright © 2023 Deloitte Development LLC. All rights reserved.

Member of Deloitte Touche Tohmatsu Limited

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Thriving Together

2024 Benefits Enrollment Guide

• Learn about our:

– National medical plans, including Health Savings Accounts,

– Flexible spending accounts 19

– Life and accident insurance 24

– Other coverage options 28

• Review 2024 benefit premiums 29

• Thriving together: Plans, programs, and resources to meet you where

• Appendix: National medical plan carrier resources 33

Enroll in your benefits via

What happens if I don’t enroll in medical coverage during the 31-day

Changing coverage during the year

• Change in marital or domestic partnership status.

• Having a baby or adopting a child.

• Your spouse or domestic partner loses or gains employment or

• If you are an hourly employee scheduled to work a minimum of 20 hours per

• Eligible dependents include your legal spouse, same- or opposite-sex

*Children include your or your spouse/domestic partner’s natural children, legally

• Bright Beginnings—Family Support Network, a comprehensive national medical

Be an informed health care consumer

How the medical plans work

Aetna, Anthem, and UHC HDHP plans Anthem PPO plan

UHC Basic Plan

Be prepared when you need care:

• Be sure to consider Deloitte’s contribution when setting your 2024

• As an added convenience, participants can access their HSA information

HSA-compatible No No Yes Yes Yes Yes

YOUR MEDICAL PL AN CHOICES AT A GL ANCE

Specialist office $40 copay, then the Plan

10% coinsurance after

$100 copay, then the Plan

YOUR MEDICAL PL AN CHOICES AT A GL ANCE

Inpatient: $250 copay

Inpatient: $250 copay per

$40 copay, then the Plan

Office Visit: $40 copay,

PRESCRIPTION DRUG COVER AGE

Prescription drugs Generic substitution is mandatory

Retail Up to a 30-day supply

10% coinsurance after

30% coinsurance after

Mail-order Up to a 90-day supply

$20 copay after

Non-preferred $130 copay after

90-day maintenance medication program

Aetna – Maintenance Choice Anthem – RX Maintenance 90 UnitedHealthcare – Walgreens90 Saver Plus

While seeing your doctor in person may be

• Available in all states, 24/7/365 by phone or online video consultation.

• Available in all states, 24/7/365 by phone or online video consultation.

• Available in all states, 24/7/365 by phone or online video consultation.

Managing medical costs Use in-network providers

• Using Telemedicine to connect with a US board-certified doctor via phone or

Plan provisions In-network Out-of-network

50% per covered individual

Temporomandibular joint (TMJ) 50%, no deductible 50%, no deductible

Lifetime maximum $1,500 combined maximum

Bruxism 50%, no deductible 50%, no deductible

Lifetime maximum $1,500 combined maximum

Vision plans Plan provisions In-network

*Children include your or your spouse/domestic partner’s natural children, legally