Maximizing your Benefits
2021 Open Enrollment
November 2- 13 (5 p.m. PST)
Now is your time to act!
Whether you're new to our benefits or not, join a conversation with our vendors.
All our vendors will be hosting short 30-minute webinars throughout OE focused on tools and resources available to help you maximize your benefits. Join and you can win a $50 Amazon Gift card.
Teladoc for Dermatology
Beginning January 1, you'll have access to licensed dermatologists from anywhere!
You currently have access to Teladoc for medical and behavioral health needs. As a reminder, behavioral health telemedicine visits are free of charge until December 31, 2020.
Your one-stop-shop for benefit counseling and tax savings.
Benefits are more than just health insurance. Talk to Alex to find out if you’re saving enough to cover your medical, dental and vision expenses—and see how much you could save on taxes! Alex now also includes COVID-19 information.
Welcome to Open Enrollment!
We made it to November- can you believe it?!
Open Enrollment, commonly referred to as OE, is your once-a-year opportunity to make changes or sign up for new benefits. This year, in particular, we want to make sure you don’t overlook your benefits. Carefully take the time to reassess your own needs, discover ways to maximize your benefits usage, and save where you can.
What you need to know this year...
Open Enrollment is "passive" this year, meaning most of your 2020 benefits choices will continue into 2021. However, you must complete Open Enrollment if:
- You want to continue covering a spouse or domestic partner and/or;
- You wish to enroll in or continue to contribute to a Flexible Spending Account (FSA) in 2021
Ready to complete Open Enrollment?
Make sure you're on the company network and click the button below between Nov. 2 - 13.
New tools & resources
Join a conversation with our vendors, during our first ever OE Benefit Series. All our vendors will be hosting short 30-minute webinars throughout Open Enrollment. If you're unable to attend one of the webinars, recorded sessions will be available after the sessions. Join and engage in a webinar to be entered into a raffle for a $50 Amazon gift card.
In case you prefer to watch videos, we've compiled all our vendor's highlight videos in one convenient place. Enjoy!
If you’re dealing with dry skin, eczema, psoriasis, rash, or other skin-related issues, starting January 1, 2021, you’ll have access to a dermatologist without ever needing to leave your home. Through Teladoc you’ll be able to receive your diagnosis and customized treatment plan as well as any prescriptions if necessary.
Carefully consider identity protection and pet insurance...
There has been a significant increase in cybercriminal activity and fraud due to working from home, new subscriptions, filing taxes and unemployment claims. By taking advantage of Allstate Identity Protection this OE, you're protected against identity theft and cyber-crimes. Coverage provides monitoring, remediation and insurance to help participants cover expenses related to identity theft and lost funds.
Nationwide provides valuable coverage for dogs, cats, and other animals and supports an upward trend in pet adoptions, which are at an all-time high. This plan offers a traditional accident and sickness insurance as well as a wellness option that can help ease the financial stress associated with pet care.
Open Enrollment FAQ
McClatchy offers two medical plans, both of which cover the same types of procedures and services; however, they differ in the way the cost of care is structured and in the strategies you can use to control your expenses.
The Savings Advantage plan includes a higher deductible; however, you’ll pay a lower monthly premium contribution and McClatchy contributes to your HSA to jump-start your savings.*
With the Classic Care plan, you'll pay less for services received from an in-network provider but will pay more in monthly premium costs.
See our medical plan side-by-side for more information.
*Employees are subject to eligibility rules for HSA contributions
You have two dental plans to choose from: Basic or Comprehensive. Both plans provide access to network providers at negotiated discount costs and cover preventive services, such as exams, cleanings and x-rays. However, the Comprehensive plan also includes coverage for basic/major restorative services.
See our dental plan side-by-side for more information.
You have two vision plans to choose from: Basic or Comprehensive. Both plans provide access to network providers at negotiated discount costs, cover preventive services such as exams, and offer discounts on the purchase of prescription glasses and/or contacts. However, the Comprehensive plan also includes an allowance for prescription glasses or contact lenses.
See our vision plan side-by-side for more information.
Fortunately, McClatchy is able and happy to automatically enroll all benefit-eligible employees in the below benefits:
- Wellness Program- Provides confidential support, resources and referrals for every aspect of your work and personal life.
- Short-term & Long-term Disability Insurance- Protects you and minimize your financial worries. should you become ill or injured and unable to work.
- Basic Life & ADPL Insurance- Helps by providing a foundation of financial protection for your family if something happens to you.
- Employee Assistance Program (EAP)- Provides you and your family with confidential support, resources and referrals for every aspect of your work and personal life.
McClatchy encourages you to really evaluate your current medical coverage and make informed decisions! Try Alex, our interactive benefits advisor! Taking into account your personal health and finances, Alex can help decide what's right for you.
Both the Health Savings Account and Flexible Spending Account options let you take home a larger paycheck by reducing your taxable income. Once you're enrolled you contribute tax-free dollars into an account that can be used on qualified medical, dental and vision or qualified dependent care expenses — also reducing out-of-pocket costs.
Health Savings Account (HSA) - You must be enrolled in the Savings Advantage Plan to be eligible for the HSA program. This plan does not require re-enrollment each year as long as you remain eligible.
Health Care FSA (HCFSA) - The FSA healthcare plan is available to any employee not enrolled in the Savings Advantage Plan. Re-enrollment each year is required to participate.
Dependent Care FSA (DCFSA) - The Dependent Care FSA is available to all employees with eligible dependents regardless of medical plan enrollment. Both the Healthcare FSA and the Dependent Care FSA plans require re-enrollment each year to participate.
Looking for a side-by-side comparison of all these accounts? Visit our HSA vs FSAs page for more details.
- Gather SSN and DOB for new dependent(s)
- Decide who your beneficiaries will be
In most cases, you may only make changes to your benefits during Open Enrollment. However, if you or your family experience a “qualified life event,” you may make changes to certain benefits related to that event, such as a birth or marriage. Take a look at our what to do when page for more details.
Changes you make to your benefits during Open Enrollment will take effect on Jan. 1, 2021.
Email, call or chat with the Livewell team:
800-852-2802, Opt. 1
Live chat directly through McClatchyLivewell.com
(Chat available during OE 5 a.m. – 5 p.m. PST)
McClatchy will also be hosting interactive webinars, including a Q&A session, during Open Enrollment. Take a look at our calendar of events for more information and to register.