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Benefit Connections

FAQ


	Overview

	Helping you understand your benefits is one of our goals. Below are the most common Frequently Asked Questions (FAQs) you might have about your benefits. To better serve you, these FAQs are divided into the categories listed below. Each category contains the questions and answers regarding your benefits. Click on the appropriate category link below for questions and answers suited to your needs.


	About the Annual Election Process

	When is the 2025 Annual Election? Do I have to make an election? How do I use the Annual Election materials available online? How do CITGO Active Employees make their 2025 elections this year? I am a CITGO Retiree. How do I make my elections? Who do I call if I have questions about Annual Election?


	About ESS Open Enrollment

What if I do not have access to a computer or to the Employee Self-Service (ESS)?

What happens when I click on the “Open Enrollment” icon or link, and I receive a message that the application is locked due to payrolls processing?

What if my dependents are not listed and I wish to add them to the plan?

What does "Evidence of Insurability" mean?

I have already completed the Open Enrollment process. However, I would like to make changes to my new elections. May I do so?

What does "Basic Coverage Amount" and "Total Coverage Amount" mean?

Is there a way in which I can compare my current 2024 benefit elections versus my new 2025 benefit elections?

When I click on "Save," an error message appears at the top of the screen such as, "Employee XXXXX is not enrolled in all corequisite plans for SMED." What does this mean?

Do you have to click on "Save" before the changes will be updated?

Please explain how to change the “Additional Units” on the Salaried Dependent Life Spouse and Personal Accident plans.

Can I find out more information regarding the insurance plans?


	About the Medical Plan Options

What are the medical plan changes for 2025?

Will I receive a new medical ID card prior to January 1, 2025?

What should I think about when choosing my medical plan option?

I'm enrolled in the Choice EPO or Choice Plus. I'm on vacation away from home. What do I do in case of an emergency?

What services are covered under preventive care?

What is the SDHP?

Can you tell me more about the Self Directed Health Plan (SDHP) option?

If I experience a qualifying status change can I change my medical plan from the SDHP to the EPO or PPO plan?

What is Optum Emotional Wellbeing Solutions?

Is the SDHP with an HSA right for me?

How do you educate yourself on United Healthcare?

What is the coverage for chiropractic care under the SDHP plan?

How is prenatal care covered?

Does the medical plan cover hearing aids?

What national chains can we go to for our prescriptions?

What is a qualified vs. non-qualified medical expense?

Is the SDHP plan the only plan that covers preventive expenses at 100%?

How can I access more information regarding preventive care?


	About the Health Savings Accounts (HSA)

What is a Health Savings Account (HSA)?

How do I sign up for a Health Savings Account?

What are the key features of the CITGO SDHP with an HSA?

What is an HSA and how does it work?

Can an HSA account gain or lose money similar to my 401K account?

Who is eligible to participate in the HSA?

What kind of other health coverage makes an individual ineligible for an HSA?

What other kinds of health coverage may an individual maintain without losing eligibility for an HSA?

What can I use the HSA for?

Can I enroll in both an HSA and a health Flexible Spending Account (FSA)?

How do I make contributions?

What happens when HSA contributions exceed the maximum amount that can be deducted or excluded from gross income in a taxable year?

When can HSA contributions be made? Is there a deadline for contributions to an HSA for a taxable year?

Will HSA contributions that I made via mail deposit or electronic transfer from my bank show up on my W-2?

My HSA deduction is shown in Box 12 of my W-2 as Code W. Why is it designated as an employer contribution when I have contributed the money to the account?

Can I change my contributions to my HSA during the year?

If I open my HSA on June 1, what is my permitted contribution amount for that year?

What is the maximum amount a family can contribute if each spouse has family coverage under a separate plan?

If my spouse is age 55 or older, am I eligible to make the catch-up contribution?

If I enroll in Medicare am I still eligible to contribute to the HSA?

How much can I contribute to my HSA?

Can I contribute funds from my Individual Retirement Arrangement (IRA) to my HSA?

Who may contribute to an HSA?

What if I use my HSA to pay for something other than a qualified medical expense?

What are catch-up contributions for individuals age 55 or older?

Are rollover contributions from Archer MSAs and other HSAs permitted?

When can I initiate distributions from an HSA?

What are the "qualified medical expenses" that are eligible for tax-free distributions?

How are distributions from an HSA taxed?

How do I pay for medical services?

Is there a PIN associated with the Health Savings Account Debit Card debit card?

What happens if the HSA has insufficient funds for payment?

Is tax reporting required for an HSA?

What are the tax rules of an HSA?

How are distributions taxed after the accountholder is no longer an eligible individual?

What happens to my remaining account balance at the end of the year?

Are health insurance premiums qualified medical expenses?

What happens to the HSA if I die?

What are the income tax consequences for the beneficiary after the HSA accountholder’s death?

Who is responsible for determining whether HSA distributions are used exclusively for qualified medical expenses?

If I change employers, what happens to my HSA?

How will HSA statements be delivered and how frequently?

Can I reimburse myself with HSA funds for qualified medical expenses incurred prior to my enrollment in an HSA?

If the employee and spouse reach the annual HSA contribution max of $8,550, can they still elect to contribute $3,300 into an FSA on a tax free basis?

Will you be able to change your HSA contribution amounts when you receive a merit or bonus like employees can do now in the 401K plan with Fidelity, or is the HSA the same amount if you have changes to your salary or are paid a bonus?

For an initial non-preventive doctor visit, do you wait for the bill to arrive to pay with your HSA debit card? If not, how is payment determined?

If employee turns 65 next year, and spouse is 65, what are the HSA rules?

Can I move money from my Thrift or RASP plan to my HSA?

Do hearing aid expenses qualify as a qualified medical expense? If so, can I use HSA funds to pay for those expenses?

Will prescription claims be automatically filed with HSA accounts like with FSA accounts?

Can I pay for my dependents’ medical expenses with funds in my HSA?


	About the Prescription Drug Program

Who should I call if I have questions about prescription drugs for?

How do I find a participating network retail pharmacy?

What if the cost of the generic or brand-name drug is less than my copay?

How can I find out if my medications are on the Prescription Drug List?

Are low cost drugs the only ones on the Prescription Drug List?

Do doctors know which drugs are on the Prescription Drug List?

What is the mandatory generic drug provision?

What’s the difference between a generic and brand name drug?

Are generic drugs safe?

How much can I save by using generic drugs?

Do all drugs have generic equivalents?

Will my doctor automatically prescribe generic drugs?

How can I get generic drugs?

What should I think about when reviewing the Prescription Drug Program?


	About Cancer Resource Services

	What is Cancer Resource Services? Who is eligible for this program? What does is cost? Do I have to participate? What is the goal of the program? Why are the cancer centers called "Centers of Excellence"? What else should I know about the Cancer Resource Services program?


	About the Dental Plan

Do I have to use a dentist who is participating in the MetLife Dental Preferred Provider network?

Can I elect the Dental Plan if I am not in the CITGO Medical Plan?

Is there a Dental identification card?

What should I think about when making my dental elections?

What is the difference between the basic and plus options?

Are crowns covered under Dental?

Is Orthodontia covered under the MetLife plan?

Is there a list of MetLife dentists for the Lake Charles area available online?

How do I register on MetLife's website to view claims, print ID cards, etc…


	About the Vision Plan

Does this cover Radial Keratotomy, Lasik, or other surgical procedures for vision correction?

How can I obtain a list of vision providers in my area?

Do I need an ID card?

Who should I call if I have a question?

How do I file for reimbursement if I use an out-of-network provider?

May I elect Vision if I am not enrolled in the CITGO Medical or Dental Plan?

What is the difference between the basic and plus options?


	About Flexible Spending Accounts

	How much can I contribute in a Healthcare Flexible Spending Account in 2025? What is the Automatic Rollover feature for Medical Flexible Spending Account administration? What should I think about when I make my spending account election? Is there any more information that I can review on the Flexible Spending Accounts? Is a debit card issued for the FSA?