At the Embassy of the Netherlands, we recognize our ultimate success depends on our talented and dedicated workforce. We understand the contribution of each employee makes our accomplishments. Our goal is to provide a comprehensive program of exceptional benefits to attract and retain the best employees available. Through our benefits programs we strive to support the needs of our employees and their dependents by providing a benefit package that is easy to understand, easy to access and affordable for all our employees. This brochure is designed to help you understand the benefits available to you, and to utilize them to the fullest. Please contact us if you have any questions or we can support you in any way.
Sincerely,
WAS-HR
Eligibility
Eligible Employees
You may enroll in the Embassy of the Netherlands Employee Benefits Program if you are an active employee working a minimum of 17.5 hours per week.
Eligible Dependents
If you are eligible for our medical benefits, then your dependents are too. In general, eligible dependents for medical and vision include your spouse, domestic partner and children up to age 26. Spouses are eligible for health coverage under the Embassy’s plans if the spouse’s employment income is less than the employee’s. If your child is mentally or physically disabled, coverage may continue beyond age 26 once proof of the ongoing disability is provided. Children may include natural, adopted, step-children and children obtained through court-appointed legal guardianship, as well as dependents of a domestic partner.
Eligible dependent children under the age of 24, as long as they are full time students, can receive dental insurance coverage via the employee.
Enrolling in Coverage
Your benefits are effective on your date of hire. Please note you must elect benefits within your first 30 days of employment. The benefits you elect will remain in place for the full plan year, which renews annually on July 1, unless you have a qualifying family status change.
Family Status Change
A change in family status is a change in your personal life that may impact your eligibility or dependent’s eligibility for benefits.
Examples of family status changes include:
Change of legal marital status (i.e., marriage, divorce, death of spouse)
Change in number of dependents (i.e., birth, adoption, death of dependent, ineligibility due to age)
Change in employment or job status (e.g., spouse gains or loses access to benefits through his/her employer)
If such a change occurs, you must make the changes to your benefits within 30 days of the event date. Documentation may be required to verify your change of status. Failure to request a change of status within 30 days of the event may result in your having to wait until the next open enrollment period to make your change. Please contact HR to make these changes.
The Embassy of the Netherlands offers the choice between three medical plans administered by UnitedHealthcare (UHC). All three plans provide excellent, comprehensive coverage, and provide access to a vast national network of providers. To find a participating provider, go to uhc.com and search under ”Employer Plans”. The network is noted in the benefit information below.
Medical and prescription drug plan summary
A choice of three platinum plans
The medical plans offered by the Embassy are all designed to ensure you get the care you need when you need it. Consequently, all three plans have a lot in common!
All three plans cover the same services, such as physical and mental health, prescription drugs, and infertility treatments. Your copay for the service will vary based on the plan selected. For example, a Tier 2 medication will cost $30 on the High and Choice plans and $35 on the Base plan, but it will be covered as a Tier 2 medication on all three plans.
All plans use the same national Choice network. The high plan network is called “Choice Plus” because it also provides some out-of-network benefits, whereas the Choice and Base plans only pay benefits for in-network care (except for emergencies, which are covered in or out of network). UHC’s Choice network has over 1.5 million providers across the US so you will always have access to the care you need regardless of the plan you select.
Make sure to use Designated Diagnostic Providers - not just “in network” providers - when getting labs and imaging done. If you do not use a DDP provider, your costs will be higher. DDP providers are clearly indicated on UHC’s website.
You do not need a referral to seek specialty care. Some services, such as MRIs or surgeries, require prior authorization by UHC before care will be covered. Your in-network provider will obtain this authorization for you.
In-network preventive care, including your annual physical and routine vaccinations, is covered at no cost to you on all three plans.
Virtual Visits are covered at no cost to you on all three plans.
Emergency care is covered at the in-network level anywhere in the world.
The myuhc.com website and app puts your plan at your fingertips. Find care options, estimate costs, view and share your ID card, and get the support you need to stay healthy.
Register at myuhc.com for full access to all UHC provides.
Employee Medical Payroll Contributions (monthly)
Active Employee Contribution (28%)
Retired Employee Contribution (30%)
Disabled Retiree Employee Contribution (35%)
Important note regarding retiree medical:
Please note that as you approach age 65, you must contact the Centers for Medicare & Medicaid Services (CMS) at 800-633-4227 to determine if you are eligible for Medicare benefits and to enroll if so. If you, your spouse, or your dependents are Medicare eligible, if you fail to enroll in Medicare when first eligible, you may be subject to Medicare late enrollment penalties, which can cause a delay in coverage and result in higher Medicare premiums when you do enroll. In addition, any benefits paid by the Embassy’s plan may be reduced, even if you have not enrolled in Medicare. It is your responsibility to confirm your Medicare eligibility with CMS and with UHC.
Medicare Supplement Plan
Retirees who are Medicare eligible may enroll in our Medicare Supplement plan. The plan design is the same as the High plan; however, it will pay secondary to Medicare.
Retirees who are ineligible for Medicare may enroll in the High, Choice, or Base plans.
Telemedicine
Life is demanding. It’s hard to find time to take care of yourself and your family members as it is, never mind when one of you isn’t feeling well. That’s why your health plan through UHC includes access to virtual care. Whether it’s late at night and your doctor isn’t available, you’re traveling, or you just don’t have the time or energy to leave the house, you can:
Access care from anywhere via video or phone.
Get minor medical virtual care 24/7/365 – even on weekends and holidays. Common reasons to call include cold and flu symptoms, fever, rashes, urinary tract infections, stomachaches, and eye infections.
Save money – on all three plans, virtual visits are at NO COST TO YOU!
Have a prescription sent directly to your local pharmacy, if appropriate.
UHC Health Support Services and Wellness Benefits
As part of your health plan benefits, you can sign up for wellness programs and health support services at no additional cost to you. Find out more at myuhc.com.
Real Appeal Weight Loss
Connect with a community of support with Real Appeal, on online weight loss program designed to inspire healthier behaviors. It includes group coaching sessions, 24/7 online resources, a mobile app to set and track goal progress, and a Success Kit delivered to your door.
UnitedHealthcare Rewards - Earn up to $300!
Included in our medical plan is a program called UHC Rewards. With UHC Rewards, a variety of actions — including many things you may already be doing — lead to rewards. The activities you go for are up to you — same goes for ways to spend your earnings.
Earn rewards by:
Tracking your steps or fitness activities
Going paperless
Getting a biometric screening
Taking a health survey
Getting an annual checkup
...and more! You and your covered spouse are both eligible to earn rewards on this plan.
Maternity Support
Whether you’re thinking about having a baby or have one on the way, maternity support is here to provide information and support — throughout your pregnancy and after giving birth. Tap into our library of pregnancy information, including custom video courses you can stream anytime.
Quit For Life
Quit tobacco for good with a coach on your side. The Quit For Life® program includes online support, a customized action plan and more to help you go tobacco-free.
Employee Assistance Program
Get guidance in navigating mental health, financial, or legal concerns with our free, confidential EAP. The UHC EAP includes 3 free counseling sessions per incident, per year. Call the EAP 24/7 at 888887-4114.
Support from UHC Advocates
Whether you have questions about a new claim, need to find a doctor or just want to better understand your benefits, UHC advocates are here to help. Call the number on your health plan ID card or sign in to myuhc.com and click on “Call” or “Chat”.
Dental
The Embassy of the Netherlands offers Dental coverage also through UHC. Under this plan, you may visit any dentist you choose. However, your benefits will go farther if you visit an in-network provider. Not only will the provider charge a discounted fee, but the plan will pay a higher percentage of that fee.
To find a participating provider, visit myuhc.com and search for the Options PPO 30 network.
Preventive care is 100% covered by the plan – no cost to you for your twice-yearly dental checkups and cleanings! We encourage you to get regular dental care to help detect and deter dental issues.
Annual Dental Rollover
This is a summary of your coverage only. Please refer to your summary plan description for the full scope of coverage.
Employee Dental Payroll Contributions (monthly)
If your claims for the year are less than 50% of the annual maximum benefit (ex. $1,250), you will have $600 rollover to your following year’s annual maximum benefit. Additionally, if all of your claims throughout the plan year are submitted with in-network providers, you’ll be eligible to earn an additional $100 towards the following year’s annual maximum benefit.
Vision
The Embassy of the Netherlands offers a vision plan through UHC. The Vision plan provides coverage for routine eye exams and also provides benefits for the cost of glasses or contact lenses if you need them. You can see in- or out-of-network providers, however, your benefits will go farther if you visit an in-network provider.
401(k) Plan
An employee may elect to become a Participant in the Plan the first day of the month after completion of three months of service
Maximum contribution: 15% of salary
The Embassy will contribute 5% of pensionable pay. Employer contributions are immediately vested and are not contingent on any employee contribution.
The Embassy will also match up to a maximum of 4-4.8% of pensionable after-tax pay (depending on nationality)
Once you are eligible to participate, you will automatically be enrolled into the 401(k) with a 2% after-tax employee contribution, unless and until you select an alternate contribution percentage
Getting Started with NetBenefits
SETUP IS EASY AND SECURE. No matter where you are in planning for your financial future, Fidelity NetBenefits® is a great place to start. It’s your one-stop online resource, designed so you can quickly and easily set up, monitor, and manage your retirement account.
Go to NETBENEFITS.COM
Click the Register Now link.
Follow the instructions to set up your username and password.
401(k) Plan Features
Eligibility Requirements All Contributions
Enrollment All Contributions
Company Contributions
Safe Harbor
Complete 3 months of service
First day of each month
Your plan offers an Automatic Enrollment feature.
1% to 15% of eligible pretax pay 1% to 15% of eligible after tax pay EGTRRA Catch Up Provision
Company Match: US citizen - 100% up to 4%
Non-US citizen - 120% up to 4%
The Employer will make a Safe Harbor contribution on your behalf in an amount equal to 5% of your eligible compensation.
Life and Disability Protection
The Embassy of the Netherlands provides the following protections to you should you become unable to work. The costs of these programs are fully borne by the Embassy.
Life Benefits
The Embassy provides a surviving dependents’ pension. In addition, an additional payment may be made if you suffer disability or death during the course of your official duties.
Short-Term Disability (STD)
If you are unable to work due to illness, injury, or maternity, the Embassy provides the following benefits, beginning on the date you are unable to work.
First six months: 100% of earnings
Next six months: 70% of earnings
Job security will be maintained for 52 weeks
Long-Term Disability (LTD)
After 52 weeks, disability benefits will be 60% of earnings
Specific details of the life and long-term disability benefits are based upon your service history. Please contact HR for details.
Paid Time Off
Vacation Days
Each year, you will be eligible for 150 hours, or 18.75 days, of vacation (prorated based on hire date). As your years of service increase, you will be eligible for additional vacation time as follows:
≥
Holidays and Leaves
In addition to vacation time, you will also receive paid time off for the following events as applicable:
13 paid holidays per year (days will be set every year upon advice upon the Mission Council)
16 weeks paid maternity leave
Special leave
z Marriage of employee – 3 days
z Marriage of parent or child – 1 day
z When your partner gives birth, when adopting or fostering a child – 10 weeks within 6 months after birth or after the day on which the child joins the family
z Death of partner, child, parent, or family member in the 2nd degree – 7 days
z Death of family member in the 3rd degree – 2 days
Jury duty
Employees may also be eligible for additional time off under the Family and Medical Leave Act to care for a newborn, adopted, or foster child; or to care for a family member with a serious health condition.
Pet Insurance
Embassy of the Kingdom of the Netherlands is offering pet insurance to employees and retirees at discounted group rates.
Pets Best offers a pet health insurance plan that offers 90% reimbursement on accidents and illnesses. You can also choose to add on routine care coverage.
With Pets Best, members enjoy:
Low Deductibles
Optional Vet Direct Pay
No Annual Limit
Fast Claims Processing and Payment
Online or App Claims Submission
Top Customer Rated
Coverage on Accidents, Illnesses,
Surgeries, Exam Fees, Cancer and More
Pets Best can be used at any veterinarian in the US or Canada, including specialty and emergency clinics. You also have the option to choose between two wellness plans that cover routine annual exams, blood work, vaccines and more with no deductible.
Pets Best also includes a 24/7 Pet Help Line powered by whiskerDocs.
Comprehensive Coverage Includes
Accidents
Illnesses
Cancer
Hereditary Conditions
Emergency Surgeries
Prescriptions
Exam Fees
Diagnostics (MRI, X-Ray, CT)
PETS BEST PET INSURANCE
Group Name:
Embassy of the Kingdom of the Netherlands
Group ID: 4273
Visit petbenefits.com/land/ embassyofthekingdomofthenetherlands to generate your pet’s custom quote and enroll. You may enroll at any time and will be billed directly by Pets Best.
Please note:
Glossary
BRAND NAME DRUGS: Drugs that have trade names and are protected by patents. Brand name drugs are generally the most costly choice.
COINSURANCE: The percentage of a covered charge paid by the plan.
COPAYMENT (COPAY): A flat dollar amount you pay for medical or prescription drug services regardless of the actual amount charged by your doctor or health care provider.
DEDUCTIBLE: The annual amount you must pay each year before the plan pays benefits. In general, the deductible does not apply to services with copays, such as office visits and prescription drugs.
GENERIC DRUGS: Generic drugs are less expensive versions of brand name drugs that have the same intended use, dosage, effects, risks, safety and strength. The strength and purity of generic medications are strictly regulated by the Federal Food and Drug Administration.
IN-NETWORK: Use of a health care provider that participates in the plan’s network. When you use providers in the network, you lower your out-ofpocket expenses because the plan pays a higher percentage of covered expenses.
OUT-OF-NETWORK: Use of a health care provider that does not participate in a plan’s network.
INPATIENT: Services provided to an individual during an overnight hospital stay.
OUTPATIENT: Services provided to an individual at a hospital facility without an overnight hospital stay.
OUT-OF-POCKET MAXIMUM: The maximum amount you and your family must pay for eligible expenses each plan year. Once your expenses reach the out-of-pocket maximum, the plan pays 100% of eligible expenses for the remainder of the year.
PRIMARY CARE PHYSICIAN (PCP): physician (generally a family practitioner, internist or pediatrician) who provides ongoing medical care.
SPECIALIST: A physician who has specialized training in a particular branch of medicine (e.g., a surgeon, gastroenterologist or neurologist).
Contacts
UHC MEDICAL
866-314-0335 myuhc.com
UHC VISION
800-638-3120 myuhc.com
UHC DENTAL
877-816-3596 myuhc.com
FIDELITY
#32257 800-835-5095 netbenefits.com
PET BENEFITS
#4273
888-913-7387 petbenefits.com
EMBASSY HR / BENEFITS TEAM
WAS-HR@minbuza.nl
CHECK OUT OUR BENEFITS WEBSITE!
It’s your one-stop-shop for everything benefits where you can:
View the benefits guide and rates
Link to carrier tools
View carrier contact information
TICKETSatWORK
TICKETSatWORK is more than just tickets! This program provides you with exclusive discounts and preferred offers for theme parks, shows, sporting events, movies, hotels, rental cars, and other travel and entertainment options. It also includes a wide range of shopping deals, including tech gadgets, home essentials, streaming services, food delivery, automotive, and more. For more information, visit ticketsatwork.com
Company Code: Netherland33
Important Notice:
The material in this benefits brochure is for informational purposes only and is neither an offer of coverage or medical or legal advice. It contains only a partial description of plan or program benefits and does not constitute a contract. Consult the Summary Plan Descriptions to determine governing contractual provisions, including procedures, exclusions and limitations relating to your plans. In case of a conflict between your plan documents and this information, the plan documents will govern. The availability of a plan or program may vary by geographic service area.
Participating physicians, hospitals and other health care providers are independent contractors and are neither agents nor employees of our respective insurance companies or our broker. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change. While this material is believed to be accurate as of the print date, it is subject to change. Notice of change shall be provided in accordance with applicable state and federal law. All trademarks, trade names or company names referenced herein are used for informational and identification purposes only and are the exclusive property of their respective owners.
The descriptions of the benefits are not guarantees of current or future employment or benefits. If there is any conflict between this guide and the official plan documents, the official documents will govern.
