FOR STAFF

Benefits Guide

Your 2021

Your guide to help you choose the right benefits for your life.

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

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Benefits in tune with your life.

Your benefits should be in harmony with your life, providing support and resources that help you improve your overall wellbeing and protect those you love now and in the future.

Among all the change 2020 has brought each one of us, we wanted to provide some consistency to your life. ManpowerGroup is pleased to share that we will continue offering the same great benefit plans next year and at the same premiums. Yes, that’s right – costs to you won’t increase!

Our Commitment to YouOffering quality benefits to our employees is one of the biggest investments we make in our people. Each year, we invest more than $33 million to ensure you and your family have access to great healthcare, resources and the support you need to achieve your financial goals.

This is a great time to review your goals related to your health, wellbeing and finances. Think of choosing your benefits like researching a new car or home. Take the time to read the materials, use the available decision-support tools, calculate the costs and make informed decisions.

To help make things easier this year, throughout this guide you’ll find:• Questions to ask yourself relative to your life needs• Links to related resources• A glossary of important terms • A final checklist to make sure you didn’t miss anything

Benefits in the Palm of Your HandGet quick access to the BeneFIT portal for benefit information – your source for benefits information and enrollment. With your mobile device, go to the Apple App Store or to the Google Play Store and search for UPoint Mobile HR and download the app. The first time you use the app, enter “ManpowerGroup” and log in using your BeneFIT portal login information.

Important dates:October 26 Benefits enrollment for 2021 begins

November 7 Benefits enrollment for 2021 ends

January 1, 2021Benefits for 2021 are active

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Healthcare costs in the U.S. continue to rise about 6% annually, and we work hard to control those costs while continuing to offer quality benefits that are of value to you. Amid all the change in the world, you can take comfort in knowing that your choice in coverage options and cost to you has remained the same.

2021 Benefit Highlights

Take comfort in knowing that your choice in coverage options and the cost to you will remain the same!

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We are thrilled to share there are no changes to premiums, deductibles or co-insurance!

No cost increases

We’ll continue to offer three medical plans as well as the same prescription drug, dental and vision plan options.

Same choice in options

Current Health Flexible Spending Account participants can carry over $550 from their 2020 account into 2021, to use for eligible expenses incurred in 2021– an increase from $500.

FSA rollover

We have a three-year strategy to support you in increasing your retirement savings. To kickstart us, starting with the 2021 plan year, in addition to the company match you can receive, we plan to increase our company contribution in the form of profit sharing or enhanced match to encourage those who are not saving, to start saving, and for those who already are saving, to save even more.

Retirement ready

It’s so important to take care of ourselves, both physically and mentally. To help support you, we offer a variety of resources to help support your whole life (including a new app!).

Supporting your wellbeing

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

Key Features Prime HSA Plan Value HSA Plan Wellness PPO Plan

In-Network In-Network In-Network

Compare Higher bi-weekly premium but lower deductible

Lower bi-weekly premium but higher deductible

Lowest bi-weekly premium and a larger provider network

Annual DeductiblesIndividual $1,750 $2,800 $4,000

EE + Child(ren) / Spouse $3,000 $4,050 $8,000

Family $4,500 $5,400 $8,000

Out-of-Pocket MaximumIndividual $4,000 $6,250 $7,000

EE + Child(ren) / Spouse $6,850 $9,375 $14,000

Family $6,850 $12,500 $14,000

Preventive Care Covered at 100% Covered at 100% Covered at 100%

Primary Care Doctor Office Visit 20% after deductible 20% after deductible $35 copay

Inpatient 20% after deductible 20% after deductible 20% after deductible

Telemedicine 20% after deductible 20% after deductible $10 per call

HSA Eligible? Yes Yes No

Per-paycheck cost comparisons Highest Middle Lowest

We are excited to share that we will continue to offer the same three familiar quality medical plans through UnitedHealthcare (UHC), including two HSA-eligible plans and a PPO plan option. All plans cover preventive care, routine care, prescriptions and hospital care:

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Medical Coverage (UnitedHealthcare)

UnitedHealthcare AppFind nearby care options in-network, estimate costs, video chat with a doctor, see your ID card and view claim details. [App Store] [Google Play]

Think About• Do you need to see a doctor or specialist

frequently? Weigh the costs of more frequent visits against the premiums and network options to see what’s right for you.

• Thinking of adding a spouse or child to your plan? Plan for more frequent doctor visits and prescriptions. Consider current and future needs as they change.

Medical & Prescription Drug Coverage

Pro TipIf having a Health Savings Account is important to you, enroll in either the Prime HSA Plan or Value HSA Medical Plan.

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

Express Scripts Mobile AppManage your medicine anytime, anywhere. Helpful information is just a tap away. [App Store] [Google Play]

Key Features Prime HSA Plan Value HSA Plan Wellness PPO Plan Preventive Non-Preventive Preventive Non-Preventive Preventive Non-Preventive

RetailDeductible must be

satisfied before Plan pays.

Deductible must be

satisfied before Plan pays.

Preventive Rx Copays and all Generic Rx Copays bypass the deductible. All Formulary and

Non-Formulary Rx are subject to the deductible.

Generic Copay $5 $10 $5 $10 $5 $25

Formulary Copay / Coinsurance $10 20%,

$20 min, $40 max $10 20%, $20 min, $40 max $10 20%,

$20 min, $40 max

Non-Formulary Copay / Coinsurance $25 40%,

$50 min, $100 max $25 40%, $50 min, $100 max $25 40%,

$50 min, $100 max

Mail Order & Retail Preferred Network Only (90-day supply)

Deductible must be

satisfied before Plan pays.

Deductible must be

satisfied before Plan pays.

Generic $12 copay $25 copay $12 copay $25 copay $12 copay $50 copay

Formulary $25 copay 20%, $50 min, $100 max $25 copay 20%,

$50 min, $100 max $25 copay 20%, $50 min, $100 max

Non-Formulary $65 copay40%,

$125 min, $250 max

$65 copay40%,

$125 min, $250 max

$65 copay40%,

$125 min, $250 max

Dispensing Limitations and Restrictions

You may be required to take a generic drug before the dispensing of the brand name drug can be approved. If a generic drug is available and you or your dependents receive a brand name drug, you will pay the difference in cost. After a maintenance medication is filled two times at a retail pharmacy, you will pay 100% of the cost for the third fill, unless you enroll in mail order or have your 90-day prescription filled at Walgreens. Some drugs may require a prior authorization before dispensing.If you have any questions, please contact Express Scripts at 877-445-3548 or visit www.express-scripts.com.

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Prescription Drug (Express Scripts)

Ways to Save on Prescriptions• Use generics. A generic alternative for a prescribed medication is

usually your most cost-effective option. • Use mail order. Your copays and coinsurance will be less for a 90-day

supply; plus, your prescriptions will be conveniently mailed directly to your home – saving you time and the hassle.

• Use the Express Scripts drug cost estimator tool available on the Express Scripts app or in the BeneFIT portal to find out the price of your medication and learn what your plan covers and look for lower cost options.

Medical & Prescription Drug Coverage BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

Prime HSA Plan Value HSA Plan Wellness PPO Plan Bi-Weekly Bi-Weekly Bi-Weekly

Employee Only $58.67 $34.37 $15.41

Employee + Child(ren) $105.61 $61.86 $27.73

Employee + Spouse/Domestic Partner $129.08 $75.60 $33.89

Employee + Family $176.02 $103.10 $46.21

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What You’ll Pay Each PaycheckBelow is the amount you will pay on a bi-weekly basis for medical and prescription drug coverage:

Things to Consider • If you enroll your spouse/domestic partner, who is

also eligible for medical coverage at work, you will be charged an additional $100 per month (bi-weekly amount of $46.15).

• To help offset the increased healthcare costs of tobacco users, ManpowerGroup charges an additional $75 per month ($34.62 bi-weekly) per employee and $75 for any dependent who is enrolled in the Medical Plan and uses tobacco. This surcharge may be removed effective July 1, 2021, upon completing UHC’s Quit for Life cessation program.

Need Help Deciding? Ask SaraVisit the BeneFIT portal and let Sara, a virtual benefits assistant, help you decide which plan is right for you. Answer a few short questions and Sara will make recommendations based on your responses.

When to Expect New ID Cards New enrollees will receive ID cards from UnitedHealthcare and Express Scripts before year end.

No Increases There is no per-paycheck cost increase for medical and prescription drug coverage for 2021!

Medical & Prescription Drug Coverage BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

No ID Cards You won’t receive ID cards for the MetLife dental plan or the UHC vision plan. Your provider will check your benefits in their system when you receive care.

DENTAL (MetLife) In-Network

Deductibles Individual = $50 annuallyFamily = $150 annually

Preventive Covered at 100% up to Reasonable and Customary (R&C)

Basic (Includes fillings, endodontics, periodontics and X-rays) Employee pays deductible and 20% plus any amounts over R&C

Major (Includes crowns, bridges and dentures) Employee pays deductible and 50% plus any amounts over R&C

Annual Maximum $1,500 per individual

Orthodontia (Children to age 26) Employee pays 50% plus any amounts over R&C$1,500 lifetime maximum

Be proactive when it comes to your dental and vision health. ManpowerGroup offers plans that cover routine care with many providers to choose from.

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Think About • Adding a spouse or a child to your benefits this

year? Don’t forget about dental and vision coverage for them too.

• Eyes change as you age, and it’s common for people to experience floaters, cataracts, macular degeneration, glaucoma and other issues. Similarly, the likelihood of tooth decay, gum disease and oral cancer grows with age. Stay proactive with your eye and dental care with recurring visits covered by your policies.

MetLife Mobile App Find a dentist, get estimates for procedures, view plan details, see claims and more. [App Store] [Google Play]

Dental and Vision Benefits

VISION (UnitedHealthcare) In-Network

Exams $15 copayOnce every plan year

Lenses$15 copay applied per order of materials$175 maximum allowanceOnce every plan year

Frames $15 copay up to $175 frame allowanceOnce every two plan years

Contact Lenses(Note: You can either get contact lenses or eyeglasses during the plan year, but not both.)

If you choose disposable contacts, up to 6 boxes are included when obtained from the UHC formulary

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ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

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DENTAL (MetLife) VISION (UnitedHealthcare)

Bi-Weekly Bi-Weekly

Employee Only $5.14 $2.29

Employee + Child(ren) $11.94 $4.27

Employee + Spouse/Domestic Partner $10.73 $3.39

Employee + Family $17.52 $6.23

What You’ll Pay Each PaycheckA plan summary is available on the BeneFIT portal, and below is an average breakdown of cost by plan and number of dependents:

Pro TipKnow before you go!Review the network of providers before you go – using a preferred provider can save you money!

Dental and Vision Benefits BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

Health Savings Account (HSA) Flexible Spending Account (FSA)

• An HSA is a personal bank account to help you save and pay for covered health care services and qualified medical expenses.

• You may participate in an HSA if you are enrolled in a high deductible health plan, like the Prime HSA or Value HSA Plan.

• You own this account and the money in it – meaning it’s portable from job to job and you don’t risk losing these funds at the end of the year if you don’t use them.

• You can contribute to your account on a pre-tax basis up to maximum annual amount of $3,600 for an individual and $7,200 for a family. An additional $1,000 catch-up contribution annually is also allowed for those who are age 55 or older.

Health and Limited Purpose • Participate in the Health or Limited Purpose FSA to

for pay for healthcare services and eligible medical expenses.

• Limited Purpose FSA is for those enrolled in the either our Prime or Value medical plan and a Health Savings Account, and only can be used for dental, vision and post-deductible medical expenses.

• The minimum amount you can contribute is $260 up to a maximum of $2,750 per year under either account.

• You must re-enroll in these plans each year to participate.

Dependent Care• For child and elder care (e.g. daycare, summer camp,

senior living costs).• Contribute pre tax up to a maximum of $5,000 per year.

Comprehensive benefits aren’t only about insurance coverage and access – it’s also about having the tools to help you save for common costs and future needs. ManpowerGroup offers both Health Savings Account (HSA) and Flexible Spending Account (FSA) options, and we encourage everyone to use these tools to remain in control of health-related funds and less surprised by unanticipated costs.

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Starting this Year You can roll over $550 each year in your Health FSA.

Think About • If you’re young and healthy, contributing to an HSA can be a way of

saving for future healthcare needs. Because HSA money stays with you year after year, more people are starting to treat this as savings plan to cover more serious medical needs in 30+ years.

• Do you have a spouse and file taxes jointly? Consider contributing the max amount to your HSA this year. Not only will this help reduce your adjusted household income, but it will accelerate savings for future medical needs.

• More Americans are taking on the financial burden for eldercare – sometimes simultaneously with childcare costs. If this is you, consider the Dependent Care FSA to save pre-tax dollars toward those costs this year.

Health Savings Account (HSA) & Flexible Spending Account (FSA)

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ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

At ManpowerGroup, we know that promoting healthy behaviors helps you bring your best self to work every day and ultimately leads to reduced healthcare costs and a better life for you and your family. Maintaining a healthy lifestyle is an important goal at every life stage. Check out these tools to help keep you on track.

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Active&Fit DirectFor a modest monthly membership fee ($25/month presently), you can gain access to more than 10,000 fitness centers nationwide, with the flexibility to change locations at any time. And get access to online classes too.

ACTIONS:A sign-up link to Active&Fit Direct is on the BeneFIT portal. You can sign up at any time. Once you sign up, your fitness center membership begins immediately.

Employee Assistance Program (EAP) We know there can be a lot on your shoulders – from actively balancing work and family needs to squeezing in time for a solid workout – so it’s important that we are taking care of ourselves, both physically and mentally. The EAP is an incredible resource for you and your dependents and is available to you regardless of whether or not you have medical plan coverage.

ACTIONS:Contact the EAP, powered by Optum, at 855-410-0895 or visit liveandworkwell.com (access code: mangrp) anytime.

Sanvello This app that offers clinical techniques to help dial down the symptoms of stress, anxiety and depression – anytime. Escape to Sanvello whenever you need, track your progress and stay until you feel better.

ACTIONS:1. Visit liveandworkwell.com. 2. Select the “Browse as a Guest” link and enter our

Login ID: mangrp. 3. Next, select the Sanvello tile under “Popular tools.” 4. Once registration with Sanvello is completed, you can

download their app and gain access to the premium services.

Real AppealThis free weight management program through UnitedHealthcare (UHC) offers customized digital support tools and coaching. It’s available to eligible employees and adult dependents enrolled in our medical plan.

ACTIONS:Enroll at any time. Information is available on the BeneFIT portal.

Quit for LifeThis tobacco cessation program is for employees and dependents enrolled in our medical plan. Completing the program enables tobacco users to receive the non-tobacco medical rates. ManpowerGroup pays the full cost of this program.

ACTIONS:Enroll at any time. Information is available on the BeneFIT portal.

Supporting Your Wellbeing BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

We want our people to have fulfilling careers and the time to be great parents. That’s why we offer strong, flexible benefits supporting families.

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Paid Parental LeaveEligible employees will receive between 2–4 weeks of paid parental leave (based on length of service). Parental leave is in addition to any other paid time off.NOTE: For Staff who are expecting mothers, the short-term disability benefit is what is used first for a pregnancy-related leave. Following the completion of short-term disability, ManpowerGroup’s parental leave benefit can be requested for additional paid time with a new child.ACTIONS:If you have a pending parental leave, review all benefits and plan accordingly.

Adoption AssistanceLast year, we announced this new program providing up to $5,000 per adopted child to help cover expenses associated with adoption. A maximum of $10,000 is provided for a child in a crisis situation. After one year of employment, you’re automatically eligible for this benefit.ACTIONS:If you have a pending adoption or are exploring adoption this year, review all benefits for which you are eligible and plan accordingly. Understand the steps you’ll need to take to ensure reimbursement.

MetLife Pet InsuranceDon’t forget about your fluffy family members! We offer pet insurance with flexible coverage options to meet your needs. You choose the deductible and reimbursement amounts. Deductibles range from $0 to $2,500 annually, and reimbursements range from 65% to 100% of eligible vet expenses for most dogs and cats. This can cover veterinary visits, wellness exams, prescriptions and accidents. Premiums deductions are taken conveniently from your paychecks with after-tax dollars.ACTIONS:You can enroll anytime; however, we encourage you to take a moment to review the details during this benefits enrollment period to see if this coverage is right for you.

Our Commitment to Supporting Families BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

Now is the perfect time to also make sure you have the protection you and your family need.

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Basic Life & Accidental Death & Dismemberment (AD&D) InsuranceManpowerGroup provides you with Basic Life and AD&D Insurance at no cost! You are automatically enrolled:• 1.5 times salary ($50,000 maximum) to employees earning

less than $50,000.• 1 times salary ($300,000 maximum) to employees earning

$50,000 or more.

ACTIONS:No action is necessary; you are automatically enrolled.

Supplemental Life InsuranceYou have the opportunity to buy additional, supplemental life insurance for yourself up to 8 times your annual base salary. You may also buy coverage for a spouse or child(ren).

ACTIONS:Consider if you need more life insurance for yourself or if you need dependent life insurance and enroll during open enrollment.

Identity ProtectionA comprehensive and proactive identity theft defense can help limit your chances of experiencing fraud and restore your identity if it becomes compromised. Allstate’s Identity Protection, formerly InfoArmor, services include: credit monitoring, an advisor (to help restore your and your family’s identity), an identity theft reimbursement policy and more.

ACTIONS:Sign up during this benefits enrollment period to secure this benefit.

Legal ServicesMetLife offers access to more than 15,000 network attorneys ready to help with legal needs, including traffic offenses, family law, litigation and financial and real estate concerns.

ACTIONS:Sign up during this benefits enrollment period to secure this benefit for 2021.

Auto and Home InsuranceMetLife also provides coverage for important valuables, including your car, house, rental property, boat, motorcycle and recreational vehicle.

ACTIONS:You can enroll anytime throughout the year. We encourage you to take a moment during the upcoming benefits enrollment period to review the details and see if this program is right for you.

Life and Protection Benefits

Short-Term and Long-Term Disability InsuranceTo replace part of your income if you become disabled, ManpowerGroup offers Short-Term and Long-Term Disability plans at no cost to you. The coverage is designed to partially replace lost wages if you can’t work, helping you pay your bills if you are ill or injured.NOTE: For Staff who are expecting mothers, the short-term disability benefit is what is used first for a pregnancy-related leave. Following the completion of short-term disability, ManpowerGroup’s parental leave benefit can be requested for additional paid time with a new child.

ACTIONS:No action is necessary; you are automatically eligible.Review the coverage for both Short-Term and Long-TermDisability. If you expect to use this coverage, make sure you know how to apply for it.

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ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

Enhanced 401(k) Match & Profit Sharing Starting in 2021, in addition to the company match you can receive, we plan to increase our company contribution in the form of enhanced match or profit sharing to encourage those who are not saving to start saving and for those who already are saving, to save even more.

Auto-enrollment was introduced in 2018 All new employees are automatically enrolled in the 401(k), making it easy for employees to start saving on day one.

New Target Date Investment Lineup Our Investment Subcommittee continually reviews our Plan’s investments to ensure we offer a diversified array of investment options to help you achieve your retirement and financial goals. Last month, we were excited to announce a new target date fund investment lineup.

Greater Fee Transparency To improve fee transparency, we’ve made changes to the way the 401(k) Plan administrative fees are paid. The Plan is moving from an approach in which plan recordkeeping costs are paid through investment option fees to a flat quarterly recordkeeping fee deduction from participant accounts that is intended to provide greater fee transparency.

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Preparing for Your EncoreAt ManpowerGroup, we understand the importance of saving for retirement, so you can have a strong financial future. You’ve seen the headlines – people are not saving enough for retirement. We believe it’s important for all employees to save for the future so we’re doubling down on helping you save for retirement. We’ve set a three-year goal to increase the average employee retirement contribution rate percentage.

Think About• What are your hopes and dreams for retirement? Determine

your lifestyle goals and the savings needed for them. The earlier you set goals and start saving, the easier it will be to achieve your savings goals.

• Are you reaching the last years of your career? Do you need to make adjustments in the funds you’ve selected to protect your nest egg for more immediate use? Think about your 401(k) strategy relative to other investment vehicles you have.

Pro TipConsider contributing a minimum of 6% to your 401(k) or NQSP to take advantage of the employer matching contribution – free money ManpowerGroup provides.

Retirement Ready

Employee Stock Purchase Plan Discontinuation With our increased focus on helping you save for retirement, we have made the decision to discontinue offering the Employee Stock Purchase Plan. Although we value company ownership, due to low interest and participation in the program, we ae putting a greater investment in retirement savings. Your last chance to participate in ESPP will be during the Q4 2020 enrollment window.

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ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

What to know if you don’t enroll:For medical, dental and vision, your 2020 selections will roll over to the new year. Your supplemental life insurance will roll over as well. However, here’s what you need to know for other benefits:• Health Savings Account (HSA): You can enroll for 2021 now or at a later time throughout the year.• Health Flexible Spending Account: If you want coverage for 2021, review and enroll now.• Dependent Care Flexible Spending Account: If you want coverage for 2021, review and enroll now.

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Don’t ForgetDownload these apps to help you get info quickly, track your coverage and claim details:1. UnitedHealthcare App: Find nearby care options in-network,

estimate costs, video chat with a doctor, see your ID card and view claim details.

2. Express Scripts Mobile App: Manage your medicine anytime, anywhere. Helpful information is just a tap away.

3. MetLife Mobile App: Find a dentist, get estimates for procedures, view plan details, see claims and more.

4. UPoint Mobile HR App: Set up your personalized dashboard across all your benefits and keep ID cards and benefits contact info in one spot.

When to Expect New ID CardsNew enrollees will receive ID cards from UnitedHealthcare and Express Scripts by December 31. You won’t receive ID cards for the MetLife dental plan or the UHC vision plan. Your provider will check your benefits in their system when you receive care.

Your To-Do List:

Determine which of the three medical and prescription drug plans is right for you. (see pages 4-6)

Review the dental and vision plan offerings and decide if enrolling is right for you. (see pages 7-8)

Consider if you would benefit from an HSA, if eligible, or an FSA. (see page 9)

Understand how the short-term and long-term disability benefits work. (see page 12)

Find out if additional supplemental life insurance would be beneficial to you. (see page 12)

Consider increasing your retirement contributions. (see page 13)

Consider additional benefits such as, adoption assistance, identity protection, pet insurance, legal services and more. (see pages 11-13)

Enrollment Checklist BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.

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Glossary

Common Terms to Know

Premium This is the amount of money you pay from each paycheck for the plan you’ve chosen.

Deductible This is a set amount you have to pay out-of-pocket each year toward your bills before your insurance starts paying.

Copay A flat-dollar amount you pay for a health care service or prescription drug.

Coinsurance Once you have met your deductible, the percentage amount you pay each time you receive a health care service or prescription drug.

Out-of-pocket maximum This is the most you have to spend for covered services within the year. After you reach this amount, insurance will pay 100% of future covered services.

Health Savings Account (HSA)

An HSA is a tax-advantaged, personal, medical savings account available to employees who are enrolled in a high-deductible health plan. Money in your HSA can help you pay for eligible health care expenses now or in the future. Money left in the HSA can be invested and is yours to keep even if you change jobs.

Flexible Spending Account (FSA)

An FSA lets you set aside pre-tax dollars to pay for eligible healthcare or dependent care (child/elder care) expenses. Most FSAs are use-it-or-lose-it in the current year; however, ManpowerGroup allows up to $550 to be rolled over from one year to the next.

BeneFITportal

ManpowerGroup Benefits Center: 800-603-3173Call Monday through Friday from 7 a.m. to 7 p.m. Central Timeor use the BeneFIT portal to schedule a time to speak with a representative.