Overview
Robert Half’s benefits are designed to support your physical, mental and financial well-being. You’ve told us you want variety and flexibility in our offerings, and you need us to continue to manage costs wherever we can. We hear you. We remain committed to continuously improving our benefits to serve our diverse employee population.
Robert Half offers a variety of competitively designed medical plan options and provider networks through the Empyrean Benefits Enrollment platform. You can choose the plan design and network combination that makes the most sense for you and your family.
Anthem Plans
Cigna Plans
Kaiser Plans
The medical plan information on this site provides an overview only — refer to your benefits guide for more detailed information: Robert Half and Protiviti Benefits Guide or Full-Time Engagement Professionals Benefits Guide.
Enrollment Tip
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance). Use the Empyrean Benefits Enrollment platform medical plan comparison tool to help you make the right choice for you and your family. You can compare your health plan choices in addition to estimating your cost for each plan. The cost comparisons will factor in the deductible amount, expected services and contribution amounts. You can also call Health Advocate at 1.866.695.8622 to get personalized help making benefit choice decisions.
Choosing Your Medical Plan Carrier
For each of the medical plan options, you can choose one of the following three carriers. See the “which medical plan to choose” video in the virtual benefits assistant for more information and tips.
| Anthem | Cigna | Kaiser Permanente | |
|---|---|---|---|
| Coverage locations? | All locations except Hawaii | All locations except Hawaii | Select locations by ZIP code: California, Colorado, Georgia, Hawaii, Oregon, Washington state and the mid-Atlantic region (Maryland, Virginia and Washington D.C.) |
| Use any provider? | Yes, in- or out-of-network benefits | Yes, in- or out-of-network benefits | Kaiser providers only (no out-of-network benefits) |
| Prescription drug coverage? | Yes, through Express Scripts (you must register to access all site features) | Yes, through Express Scripts (you must register to access all site features) | Yes, through Kaiser |
| Help managing chronic conditions? | Yes, through Anthem Total Health Total You | Yes, through Cigna Health Matters Complete | Yes, through Kaiser — see your ID card for the correct phone number |
| Need to locate an in-network provider? | Visit Anthem. Be sure to register on the site to take advantage of all the tools offered. | Visit Cigna. Be sure to register on the site to take advantage of all the tools offered. | Visit Kaiser. Be sure to register on the site to take advantage of all the tools offered. |
Enrollment Tip
If you choose one of the medical plan options that is compatible with a Health Savings Account (HSA), you can contribute to your HSA on a pre-tax basis to help pay for out-of-pocket expenses, including the annual deductible.
$400 and $900 Deductible Plans
Available to Robert Half and Protiviti employees and Full-Time Engagement Professionals — refer to your benefits guide for the plans available to you.
The $400 Deductible Plan and $900 Deductible Plan include the following features:
- Free in-network preventive medical care. Preventive care is covered fully with no deductible and no copay or coinsurance, as long as you receive this care from in-network providers.
- Annual deductible. You pay for your initial costs out of pocket (for most services) until you meet your annual deductible:
- $400 Deductible Plan: The annual deductible doesn’t apply to office visits and prescription drugs. Instead, you pay a flat-dollar copay, and the plan covers the rest of the eligible expense. The annual deductible applies to all other services, including hospitalization and the emergency room.
- $900 Deductible Plan: The annual deductible applies to services including office visits, hospitalization and emergency room services. The annual deductible doesn’t apply to prescription drugs.
- Coinsurance. Once the deductible is met, you and the plan will each pay a designated percentage of the cost for care, which is called coinsurance.
- Out-of-pocket maximum. The plan protects you financially by limiting the total amount you will pay each year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100 percent of your eligible expenses for the remainder of the year, as long as you use network providers. (For out-of-network providers, the plan will pay 100 percent of the “usual and customary” charge. You’re responsible for any amount in excess of the usual and customary charge.)
Note: If more than one family member is covered, the plans begin to pay benefits for an individual family member when he or she reaches the individual deductible amount or when the combined expenses of all family members reach the family deductible amount, whichever happens first.
$1,600 and $2,500 Deductible Plans (HSA Compatible)
Available to Robert Half and Protiviti employees and Full-Time Engagement Professionals — refer to your benefits guide for the plans available to you.
The $1,600 Deductible Plan and $2,500 Deductible Plan help you take charge of your health and financial savings. In addition to providing benefits, these plans are compatible with a Health Savings Account (HSA), which lets you save pre-tax dollars to pay your current and future medical and prescription drug expenses — including your deductible.
The plan benefits include:
- Free in-network preventive medical care. Preventive care is 100 percent covered with no deductible and no coinsurance, as long as you receive this care from in-network providers.
- Annual deductible. You pay for your initial costs for medical and prescription services until you satisfy your annual deductible. The annual deductible applies to all non-preventive services, including office visits, hospitalization, emergency room services and prescription drugs.
- Coinsurance. Once the deductible is met, you and the plan will each pay a designated percentage of the cost for care, which is called coinsurance.
- Out-of-pocket maximum. The plan protects you financially by limiting the total amount you will pay each year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100 percent of your eligible expenses for the remainder of the year, as long as you use network providers. (For out-of-network providers, the plan will pay 100 percent of the “usual and customary” charge. You’re responsible for any amount in excess of the usual and customary charge.)
Note: When more than one family member is covered, the plans begin to pay benefits for an individual only when the family annual deductible amount is reached.
Note: The plan begins to pay 100 percent of covered in-network care only after the family annual out-of-pocket amount is reached.
For California Participants Enrolled in a Kaiser Plan
If you live in California and enroll in family coverage in Kaiser’s $1,600 Deductible or $2,500 Deductible Plan, the amount that an individual within a family will pay for the calendar-year deductible and out-of-pocket maximum will be limited to $3,200.
How the HSA and Your Medical Plan Work Together
Think of the $1,600 Deductible Plan and $2,500 Deductible Plan like a house. Each level builds on the other to create a comprehensive medical plan. Preventive care is the foundation, the deductible and coinsurance are the first and second floors, and the out-of-pocket maximum is the roof. Here’s how they all work together:
Kaiser Hawaii Gold Be Fit
Available to Robert Half and Protiviti employees, and Full-Time Engagement Professionals — refer to your benefits guide for the plans available to you.
With Kaiser Hawaii Gold Be Fit, an HMO through Kaiser, you must use network providers for your care. The plan does not provide benefits for care received from out-of-network providers, except in an emergency. HMO plan participants also need to designate a primary care physician (PCP). Specialist referrals must be coordinated through your PCP.
Live in Hawaii and Waiving Medical Coverage?
Robert Half offers two medical plans to eligible temporary professionals in Hawaii. Both medical plans meet the requirements of the Hawaii Prepaid Health Act.
If you want to waive medical coverage, either as a newly eligible employee or during Open Enrollment, you must:
- Go to Empyrean Benefits Enrollment platform or call 1.855.RHI-BENE to waive coverage.
- Complete the State of Hawaii Form HC-5.
- Return the completed Form HC-5 via fax (1.925.394.5110) or email HRsolutions@roberthalf.com.
If you don’t complete all the waiver steps above, you’ll be automatically enrolled in employee-only coverage under the Kaiser Hawaii Gold Be Fit Plan.
HMSA CompMed
Available to Robert Half and Protiviti employees, Full-Time Engagement Professionals and temporary employees in Hawaii — refer to your benefits guide for the plans available to you.
With Hawaii Medical Service Association (HMSA) CompMed Plan, you may choose to use network providers for your care, or you can receive care from out-of-network providers. If you choose network providers and facilities, you’ll usually pay less.
Live in Hawaii and Waiving Medical Coverage?
Robert Half offers two medical plans to eligible temporary professionals in Hawaii. Both medical plans meet the requirements of the Hawaii Prepaid Health Act.
If you want to waive medical coverage, either as a newly eligible employee or during Open Enrollment, you must:
- Go to Empyrean Benefits Enrollment platform or call 1.855.RHI-BENE to waive coverage.
- Complete the State of Hawaii Form HC-5.
- Return the completed Form HC-5 via fax (1.925.394.5110) or email HRsolutions@roberthalf.com.
If you don’t complete all the waiver steps above, you’ll be automatically enrolled in employee-only coverage under the Kaiser Hawaii Gold Be Fit Plan.
Coverage Details
Learn the benefits for each plan by viewing the comparison charts for:
- Anthem and Cigna $400 Deductible Plan and $900 Deductible Plan (except in Hawaii)
- Anthem and Cigna $1,600 Deductible Plan and $2,500 Deductible Plan (except in Hawaii)
- Kaiser Plans (except in Hawaii)
- Hawaii Medical Plans
Anthem and Cigna $400 and $900 Deductible Plans (Except in Hawaii)
Below is a snapshot of some of the benefits covered under each medical plan option and your out-of-pocket costs.
| Benefits | $400 Deductible Plan | $900 Deductible Plan | ||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Plan Features | ||||
| Calendar-year deductible | ||||
| Individual | $400 | $2,500 | $900 | $3,000 |
| Family | $800 | $5,000 | $1,800 | $6,000 |
| Calendar-year out-of-pocket maximum1 | ||||
| Individual | $2,200 | $4,400 | $3,000 | $6,000 |
| Family | $4,400 | $8,800 | $6,000 | $12,000 |
| Preventive Care | ||||
| Annual exams, immunizations, screenings and other eligible preventive care | No charge | You pay 40% after deductible | No charge | You pay 40% after deductible |
| Office Visits | ||||
| Primary care | You pay $20 copay (no deductible) | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Specialist | You pay $40 copay (no deductible) | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Hospital Facility | ||||
| Inpatient and outpatient | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible |
| Emergency room | You pay $150 copay, then 20% after deductible2 | You pay $150 copay, then 20% after deductible2 | You pay 20% after deductible | You pay 20% after deductible |
| Retail Prescriptions3 (up to a 30-day supply) — through an Express Scripts (you need to log in) participating pharmacy | ||||
| Generic | $10 (no deductible) | $10 (no deductible) | You pay 30% (no deductible; min. $10/ max. $20) | You pay 30% (no deductible; min. $10/ max. $20) |
| Brand formulary | $30 (no deductible) | $30 (no deductible) | You pay 30% (no deductible; min. $25/ max. $50) | You pay 30% (no deductible; min. $25/ max. $50) |
| Brand non-formulary | $60 (no deductible) | $60 (no deductible) | You pay 45% (no deductible; min. $40/ max. $80) | You pay 45% (no deductible; min. $40/ max. $80) |
| Mail-Order Prescriptions3 (up to a 90-day supply) — through Express Scripts (you need to log in) or Smart90 participating pharmacy | ||||
| Generic | $25 (no deductible) | Not covered | You pay 30% (no deductible; min. $25/ max. $50) | Not covered |
| Brand formulary | $75 (no deductible) | Not covered | You pay 30% (no deductible; min. $62.50/ max. $125) | Not covered |
| Brand non-formulary | $150 (no deductible) | Not covered | You pay 45% (no deductible; min. $100/ max. $200) | Not covered |
Click for Footnotes
1 All copays, coinsurance and deductibles apply to the out-of-pocket maximum.
2 Copay waived if admitted. For the $400 Deductible Plan through Cigna only, neither the deductible nor coinsurance apply — only the copay will be required for this service.
3 Prescriptions included on the preventive drug list are covered at the in-network coinsurance level prior to meeting the deductible.
Anthem and Cigna $1,600 and $2,500 Deductible Plans (Except in Hawaii)
Below is a snapshot of some of the benefits covered under each medical plan option and your out-of-pocket costs.
| Benefits | $1,600 Deductible Plan | $2,500 Deductible Plan | ||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Plan Features | ||||
| Calendar-year deductible | ||||
| Individual | $1,600 | $3,000 | $2,500 | $4,500 |
| Family | $3,2001,2 | $6,0001,2 | $5,0001,2 | $9,0001,2 |
| Calendar-year out-of-pocket maximum3 | ||||
| Individual | $3,000 | $6,000 | $4,500 | $9,000 |
| Family | $6,0004 | $12,0004 | $6,8504 | $13,7004 |
| Preventive Care | ||||
| Annual exams, immunizations, screenings and other eligible preventive care | No charge | You pay 40% after deductible | No charge | You pay 50% after deductible |
| Office Visits | ||||
| Primary care | You pay 20% after deductible | You pay 40% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Specialist | You pay 20% after deductible | You pay 40% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Hospital Facility | ||||
| Inpatient and outpatient | You pay 20% after deductible | You pay 40% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Emergency room | You pay 20% after deductible | You pay 20% after deductible | You pay 30% after deductible | You pay 30% after deductible |
| Retail Prescriptions5 (up to a 30-day supply) — through an Express Scripts (you need to log in) participating pharmacy | ||||
| Generic | You pay 20% after deductible6 | You pay 20% after deductible6 | You pay 30% after deductible6 | You pay 30% after deductible6 |
| Brand formuary | You pay 20% after deductible6 | You pay 20% after deductible6 | You pay 30% after deductible6 | You pay 30% after deductible6 |
| Brand non-formulary | You pay 20% after deductible6 | You pay 20% after deductible6 | You pay 30% after deductible6 | You pay 30% after deductible6 |
| Mail-Order Prescriptions5 (up to a 90-day supply) — through Express Scripts (you need to log in) or Smart90 participating pharmacy | ||||
| Generic | You pay 20% after deductible | Not covered | You pay 30% after deductible | Not covered |
| Brand formulary | You pay 20% after deductible | Not covered | You pay 30% after deductible | Not covered |
| Brand non-formulary | You pay 20% after deductible | Not covered | You pay 30% after deductible | Not covered |
Click for Footnotes
1 The plans begin to pay benefits for an individual only when the family deductible amount is reached.
2 Family deductible amounts apply if you choose one of the following coverage levels: employee + spouse, employee + child(ren) or employee + family.
3 All copays, coinsurance and deductibles apply to the out-of-pocket maximum.
4 The plan begins to pay 100% of covered in-network care and prescriptions only after the full family annual out-of-pocket amount is reached.
5 All prescriptions will be filled with the generic version of the prescription unless otherwise specified by a physician. If you request a brand prescription when a generic is available, you’ll pay the applicable copay, plus the difference in cost between the generic and the brand.
6 Prescriptions included on the preventive drug list are covered at the in-network coinsurance level prior to meeting the deductible.
Kaiser Plans (Except in Hawaii)
Below is a snapshot of some of the benefits covered under the Kaiser medical plans and your out-of-pocket costs. These plans aren’t available in Hawaii. Benefits for the various Kaiser plans vary slightly, but this chart gives you a general overview of each plan. (Note: Special limits apply to the family deductible and out-of-pocket maximums for Kaiser California only.)
| Benefits | $400 Deductible Plan | $900 Deductible Plan | $1,600 Deductible Plan (HSA Compatible) | $2,500 Deductible Plan (HSA Compatible) | |
|---|---|---|---|---|---|
| In-Network1 | In-Network1 | In-Network1 | In-Network1 | ||
| Plan Features | |||||
| Calendar-year deductible | |||||
| Individual | $400 | $900 | $1,6001 | $2,5001 | |
| Family | $800 | $1,800 | $3,200 (For Kaiser California: Limited to $2,800 for an individual within a family)2 | $5,000 (For Kaiser California: Limited to $2,800 for an individual within a family)2 | |
| Calendar-year out-of-pocket maximum | |||||
| Individual | $2,200 | $3,000 | $3,000 | $4,500 | |
| Family | $4,400 | $6,000 | $6,000 (For Kaiser California: Limited to $3,000 for an individual within a family)3 | $6,850 (For Kaiser California: Limited to $4,500 for an individual within a family)3 | |
| Preventive Care | |||||
| Annual exams, immunizations, screenings and other eligible preventive care | No charge | No charge | No charge | No charge | |
| Office Visits | |||||
| Primary care | You pay $20 copay | You pay 20% after deductible | You pay 20% after deductible | You pay 30% after deductible | |
| Specialist | You pay $40 copay | You pay 20% after deductible | You pay 20% after deductible | You pay 30% after deductible | |
| Hospital Facility | |||||
| Inpatient and outpatient | You pay 20% after deductible | You pay 20% after deductible | You pay 20% after deductible | You pay 30% after deductible | |
| Emergency room | CA: You pay 20% (no deductible) All other states: You pay $150 copay (waived if admitted) plus 20% after deductible | You pay 20% after deductible | You pay 20% after deductible | You pay 30% after deductible | |
| Retail Prescriptions4,5 (up to a 30-day supply) | |||||
| Generic | You pay $10 copay | You pay 30% (max. $20) | You pay 20% after deductible6 (max. $50) | You pay 30% after deductible6 (max. $50) | |
| Brand formulary | You pay $30 copay | You pay 30% (max. $50) | You pay 20% after deductible6 (max. $100) | You pay 30% after deductible6 (max. $100) | |
| Brand non-formulary | Same as formulary, when approved through exception process | Same as formulary, when approved through exception process | Same as formulary, when approved through exception process | Same as formulary, when approved through exception process | |
| Mail-Order Prescriptions4,5 (up to a 90-day supply) | |||||
| Generic | You pay $20 copay | You pay 30% (max. $20) | You pay 20% after deductible (max. $50) | You pay 30% after deductible (max. $50) | |
| Brand formulary | You pay $60 copay | You pay 30% (max. $50) | You pay 20% after deductible (max. $100) | You pay 30% after deductible (max. $100) | |
| Brand non-formulary | Same as formulary, when approved through exception process | Same as formulary, when approved through exception process | Same as formulary, when approved through exception process | Same as formulary, when approved through exception process | |
Click for Footnotes
1 Kaiser offers in-network benefits only.
2 Family deductible amounts apply if you choose one of the following coverage levels: employee + spouse, employee + child(ren) or employee + family.
3 All copays, coinsurance and deductibles apply to the out-of-pocket maximum.
4 All prescriptions will be filled with the generic version of the prescription unless otherwise specified by a physician. If you request a brand prescription when a generic is available, you’ll pay the applicable copay, plus the difference in cost between the generic and the brand.
5 Depending on your service area, prescription benefits under the Kaiser plans may vary.
6 Prescriptions included on the preventive drug list are covered at the in-network coinsurance level prior to meeting the deductible.
Medical Plans in Hawaii
| Benefits | Kaiser Hawaii Gold Be Fit | HMSA CompMed | HMSA CompMed |
|---|---|---|---|
| In-Network | In-Network | Out-of-Network | |
| Deductible | Individual: $200 Family: $400 | None | None |
| Annual Out-of-Pocket Maximum (medical) | Individual: $2,200 Family: $4,400 | Individual: $2,500 Family: $7,500 | |
| Lifetime Maximum Benefit | None | None | None |
| Preventive Care | No charge | No charge | No charge |
| Physician Office Visit | You pay $15 copay | You pay $14 copay | You pay $14 copay |
| Hospital | |||
| Inpatient | You pay 10% after deductible | You pay 20% | You pay 20%1 |
| Outpatient | You pay 10% after deductible | You pay 20% | You pay 20%1 |
| Emergency room | You pay 20% (no deductible) | You pay $20 copay and 20% | You pay $20 copay and 20%1 |
| Prescription Drugs | |||
| Annual Out-of-Pocket Maximum (prescription drugs) | N/A | Individual: $3,600 Family: $4,200 | Individual: $3,600 Family: $4,200 |
| Retail (up to a 30-day supply) |
|
|
|
| Mail Order (up to a 90-day supply) |
|
| Not covered |
Click for Footnotes
1 All copays shown are based on eligible charges. An eligible charge is the amount HMSA’s participating providers have agreed to accept as payment in full for services rendered. All services received from a non-participating provider will likely result in significantly higher out-of-pocket expenses, since the member is responsible for any difference between HMSA’s eligible charge and the non-participating provider’s actual charge. Please note: Eligible charges don’t include the excise tax or other taxes. You’re responsible for all taxes related to your medical coverage.
2 When a prescribed brand-name drug has a generic equivalent that is listed on the Hawaii Drug Formulary of Equivalent Drug Products, you’ll be responsible for the appropriate copayment, plus the difference in cost between the generic and brand-name drugs. This applies regardless of whether you chose not to use the generic drug or whether it wasn’t available at your pharmacy.
Health Support Resources
In addition to the coverage provided by your medical plan, you may have access to health advocacy tools and resources to help meet your health care needs. There are additional tools available on Empyrean Benefits Enrollment platform.