2025 Camunda Inc. Benefits

Open Enrollment

This will be an Active Enrollment, meaning you will be required to log into the Sequoia Benefits Portal and make your selections for the 2025 plan year, they will NOT carryover. 

All 2025 elections will be effective on January 1, 2025. 

All information of 2025 benefits, costs, plan summaries, and wellness resources can be found in the Open Enrollment guide in your Sequoia People Platform. A summary of how plans changed from 2024-2025 can be found here. 

Plan Details 

1] Benefits Overview 

There are also other perks included in each benefit that are detailed in the benefits guide, linked above. 

For any benefits-related questions or issues, please contact Sequoia support through the Sequoia People Platform or via email. They are your first point of contact for any queries, with a dedicated team ready to assist you. Using this support channel ensures we maintain the highest levels of privacy.

The people team is also here to support you and ensure you have the best experience. For further assistance, escalate your concerns to the Camunda People team via #ask-people-team and tag Wesley Hattingh or Emily Cady for action. 

2] Carrier Changes 

Please reference the information below to ensure a smooth transition is in place to change carriers. 

1. Resubmit any "Prior Authorizations" you have 
   1. Medical appointments & procedures 
      1. Medical procedures that require prior authorization can vary from carrier to carrier. The service provider must get this approval from your new carrier. 
   2. Prescriptions 

      1. Drugs that require prior authorization may vary from one insurance carrier to another. So, now is a good time to be proactive and check your new health plan’s Prescription Drug List (PDL).

         Prior authorization for prescription is a doctor-insurance matter, not your pharmacy. And the process typically takes days, not hours. Your doctor will need to contact your health insurance to initiate the process.

2. Ensure your doctor is in-network 
   1. If your providers are no longer in-network, certain situations may qualify for "Continuity of Care".
      1. If this carrier transition will disrupt your care, reach out to the Sequoia Advocate team and they will work with you on next steps and eligibility. 
         
         1. If your request is approved, you can continue to see your doctors for a transitional period only (not forever)
         2. Your new health plan would treat these medical bills as if you received in-network care 
3. Voluntary Life Coverage Amount 
   1. If you have prior approval for a benefit amount over the guaranteed issue, this will be automatically approved through Guideline regardless of the carrier change. Meaning, you will not be required to complete a new EOI form. 
   2. New Voluntary Life elections will be subject to EOI (Evidence of Insurability). 

3] ID Cards 

Digital ID cards will be provided for the 2025 plan year. Physical copies can be requested through Sequoia's Advocate team or within the Anthem portal directly. 

Thank you for being a part of our team. Your health and wellbeing are important to us. We are proud to offer comprehensive benefits for you and your family members that demonstrate our commitment to your overall wellness and satisfaction.

1] 2024 Benefits Overview

Camunda offers the following benefits:

Cigna

For the HSA plan, there is a Camunda contribution of:

$2,000 for individuals/$4,000 for families annually prorated based on hire date.

VSP

Health Equity

Health Care and Dependent Care FSAs are available

There are also other perks included in each benefit that are detailed below in the Digital Benefits Guide. 

Payroll is administered semi-monthly on the 15th/last day of the month. Payroll elections can be done via Gusto.

For any benefits-related questions or issues, please contact Sequoia support through the Sequoia People Platform. They are your first point of contact for any queries. If needed, you can escalate to the Camunda People team for further assistance at people-operations@camunda.com.

2] 2024 Camunda Inc. Benefits 

For a summary of benefits and costs, please see the Camunda 2024 Benefit Summary and full details in the digital benefits guide via the Sequoia People platform. Health Related Benefits are elected through the Sequoia Benefits Portal.

We have selected Cigna as our medical and dental carrier in part based on Cigna's commitment to DE&I which is of the utmost importance to the experience of Camundi. 

As of April 1, 2024 the prescription formulary has been enhanced to the Performance Formulary. Additionally, the maximum allowable reimbursement for out-of-network providers has changed from 110% to 200%.  

401(k) Employee Retirement Plan

Camunda Inc employees are eligible to participate in the 401(k) retirement plan. Camunda matches 100% of employee contributions up to the first 6% of pay and offers both Traditional and Roth 401(k) plan types. This match has no vesting period, and contributions are made per pay period.

Employees become eligible to participate on their date of hire. All employees are auto-enrolled into the plan at a deferral rate of 2% of total compensation for the traditional 401(k) plan. Employees may choose to opt out of the auto-enrollment to receive a refund within 90 days.

Employees will receive an automated email with instructions for enrolling or declining.

Our plan is managed by Guideline: https://www.guideline.com

If an employee leaves Camunda and has a balance of between $50.01 and $5,000 they will be automatically rolled over to a Guideline IRA. 

Summary Plan Descriptions for 2024: 

Plan Document and Summary Plan Description

Our Benefits Wrap Plan: This ERISA-compliant document combines all our health and welfare benefits into one plan overview, ensuring you have a comprehensive understanding of your coverafe

• ERISA-compliant wrap

Medical, PPO 250

• Benefit Summary PPO 250

• SBC PPO 250

• Cigna PPO 250 Full Policy Document (updated)

Medical, HSA

• Benefit Summary HSA Cigna
• SBC HSA
• Cigna HSA Full Policy Document (Updated)

Pharmacy: 

• Performance 4-Tier Prescription Drug List

Dental: 

• Cigna Dental Summary of Benefits

Vision: 

• VSP Vision Summary of Benefits

• VSP Vision Benefits - Additional Features

  Enhanced Frame Allowances

  • Extra $20 for Featured Frame Brands: Automatically applied by VSP doctors for brands like bebe®, Calvin Klein®, Flexon®, Lacoste®, Nike®, Nine West®, and other select frames. No additional cost or hassle.
  • Limited Time Offer: Extra $40 for Converse®, bebe®, Nike®, and Dragon® frames through January 31, 2025.
  • Resource

  TruHearing Hearing Aid Discount Program

  • FREE access (valued at $108) for VSP members
  • Up to 60% savings on state-of-the-art digital hearing aids
  • Available to VSP members' dependents and extended family
  • Resource

  Essential Medical Eye Care

  • Treatment from VSP doctors for urgent issues (e.g., pink eye, sudden vision changes)
  • Monitoring of conditions like dry eye and diabetic eye disease
  • Resource

  Eyewear Protection Program

  • 12-month worry-free warranty
  • Free replacement of featured frames purchased from Premier Program doctors if accidentally broken or damaged
  • Resource

  Eyeconic® Online Store

  • Apply VSP benefits directly to online purchases
  • Virtual try-on feature for glasses
  • Free shipping and returns
  • Competitive pricing
  • Options for home delivery or shipment to a VSP practice
  • Resource

Unum:

• Unum Short-Term Disability Summary
• Unum Voluntary Life Summary
• Unum Disability Plan Summary
• Unum Basic Life AD&D Summary
• Policy- Voluntary benefits
• Policy- STD:LTD
• Policy- Employer paid

Group Plan Numbers (for reference): 

652549

0959027 (Life/AD&D, STD, LTD)   
0959028 (Voluntary Life/AD&D) 

ID Cards

• All ID cards can be located in the Sequoia People Platform or via the mobile app.
  • Note: These cards will start to become available from mid-July as Sequoia sets up integrations with our various vendors. This process may take anything from 2-4 weeks or more and is dependent on how fast the vendor is able to complete the integration. 
• You can also access your digital ID health card via the myCigna member portal.
  • Physical ID cards will be mailed if requested. This request can be placed in your myCigna member portal.
• For those benefits that do not provide ID cards, your provider will be able to look up your coverage via your SSN
  

3] SaveOn Copay Assistance

What is SaveOnSP?
SaveOnSP is a company that helps plan sponsors and participants reduce the high cost of certain specialty medications. They offer services to implement a copay assistance benefit that is compliant with Affordable Care Act (ACA) requirements. The copay assistance benefit leverages manufacturer copay assistance to help plan participants overcome financial barriers and adhere to their specialty medication treatment.

How the SaveOnSP Program Works

1. SaveOnSP classifies certain specialty medications as non-essential health benefits under ACA rules. This allows higher cost-sharing to apply without the costs counting towards the participant's deductible or out-of-pocket maximums, resulting in overall savings for the plan. 
2. SaveOnSP partners with the plan's specialty pharmacy to administer the copay assistance benefit. Participants are directed to SaveOnSP, who helps them enroll in the manufacturer's copay assistance program to lower their out-of-pocket costs.
3. After an employee enrolls, the standard Cigna pharmacy claim is processed, then the patient responsibility amount is billed to the manufacturer for copay assistance. 
4. Once manufacturer funds are applied, Cigna re-adjudicates the claim to lower the employee's actual out-of-pocket cost through their out-of-pocket adjuster program.

How to Enroll in SaveOnSP
Camunda employees can contact SaveOnSP directly at 1-800-683-1074 to enroll in the program and apply for copay assistance. Cigna strongly recommends having each Camundi contact the SaveOnSP team directly to enroll and get their individual questions answered about the program.

SaveOnSP Contact Information

For plan participant assistance, contact SaveOnSP at:
Phone: 1-800-683-1074
Hours: Monday — Thursday 8:00AM — 11:00 PM EST, Friday 8:00 AM — 9:00 PM EST

For pharmacy assistance, contact SaveOnSP at:  
Phone: 1-833-955-3404

4] Virtual Care Services- MD Live

Revolutionizing Your Healthcare Experience

In today's fast-paced world, your time and health are precious. Virtual care is transforming how you access healthcare, offering a seamless blend of technology and medical expertise. This innovative approach allows you to connect with healthcare providers via video or phone, bringing quality care directly to you, wherever you are.

Why Choose Virtual Care?

1. Unparalleled Convenience:
   • Skip the waiting room and travel time
   • Access care from home, office, or while traveling
   • 24/7 availability, including holidays
2. Cost-Effective Solution:
   • Lower costs compared to ER or urgent care visits
   • Potential savings on transportation and time off work
3. Quality Care, On Your Terms:
   • Connect with board-certified doctors and specialists
   • Consistent care with options to see the same provider
   • Ideal for both urgent issues and ongoing health management
4. Privacy and Comfort:
   • Discuss health concerns from the privacy of your chosen space
   • Reduce anxiety associated with in-person visits
5. Efficient Health Management:
   • Quick prescription refills when appropriate
   • Easy follow-ups for chronic condition management
   • Seamless integration with your overall health plan

Services Available

1. Urgent Care: Immediate help for non-emergency issues
2. Preventive Care: Routine check-ups and wellness screenings
3. Mental Health: Therapy and psychiatric services
4. Specialized Care: Dental and dermatology consultations

How to Access

1. Log in to myCigna.com or the myCigna app
2. Select "Virtual Care"
3. Choose your service
4. Connect with a provider

5] Cigna Travel Health Benefit

Cigna's travel health benefit offerings can be found in the table below. Additional details regarding cost, travel radius, covered travel expenses, providers, and claim reimbursement can be found here.

Travel Coverage Offerings

State-limited access to covered services, including but not limited to:

• Abortion
• Gender Affirmation services

Mental Health and Substance Use Disorder (MHSUD) services where providers are not available within a certain mile radius.

• Inpatient services
• Outpatient services

Short list of covered services where providers are not available within a certain mile radius:

• Bariatric surgery
• Congenital heart disease treatment
• Gender affirmation surgery and related services
• Fertility (IUI and in-vitro)

6] Qualifying Life Events 

Qualifying Life Events need to be submitted into the Sequoia Benefits Portal within 30 days of the event.

The list of Qualifying Life Events can be found below.

• Loss of other Coverage
• Turning 26 and losing coverage through a parent’s plan
• Marriage
• Divorce
• Birth or Adoption of a Child
• Death in the Family

Additional information on Qualifying Life Events can be found here, and an information video, here.

Submitting a Qualifying Life Event in Sequoia

1. Log into Sequoia Benefits Portal 
2. Navigate to the left hand side bar and expand the "Life Events" section in orange
3. Select the Appropriate life event
4. If applicable select the blue plus icon to add a dependent, providing the relevant details before selecting continue
5. Once submitted, the People Ops team will be notified, and your benefits will be approved and updated in Gusto based on the effective date of your change by Emily Cady.
   1. If the effective date is backdated, you will see additional deductions taken from your next pay cycle based on the contribution changes in your event.

For a video tutorial of the above process, have a look here- Submitting a qualifying life event via the Sequoia Benefits Portal [Link to video]

Child Dependents Aging Out of Healthcare Coverage

Key Points:

• Coverage ends: Last day of the month your child turns 26
• Action required: File a Qualifying Life Event (QLE) in Sequoia Benefits Portal
  • This can only be done on the day they are no longer eligible
• Deadline: Within 30 days of child's 26th birthday
• Consequence: Missing the deadline may forfeit COBRA eligibility

Action Steps:

1. File QLE
   • Where: Sequoia Benefits Portal (zcamunda.bswift.com)
   • What: Report child aging out of coverage
2. COBRA Process
   • Camunda approves QLE and initiates COBRA
   • Child receives COBRA packet – review immediately as there are limitations for when COBRA remains active

   • For your Dependents, COBRA continuation coverage is available for up to 36 months from the date of the QLE

Need Help?

• Contact: Sequoia advocate team via the Sequoia People Platform or camunda@help.sequoia.com, or ask in #ask-people-team in slack. 

7] Adding Beneficiaries

Your Life/AD&D plans require you to add a beneficiary in the event of your disability or death. Adding a beneficiary ensures your family/estate are well protected in the event of any incident.

1. Once signed into the Sequoia Benefits Portal. navigate to My Profile > Beneficiaries (screenshot)

   1. Or navigate to your Life/AD&D benefit and select "Manage Beneficiaries"

   2. You will then be presented with a window in which you can select from your current dependents or upload a new beneficiary

2. Make your selection and click "Add Selected"

3. Note: Camundi who were employed at the time of our transition from Lumity to Sequoia (1 July 2024) are required to re-add their beneficiaries, as this data cannot be reliably transferred over from our prior benefits administration platform (flock)

8] Updating Health Account Contributions

HSA

• HSA contributions can be updated at any point throughout the year. To update your contributions, please follow the steps below.
• Log into the Sequoia People Platform via Okta.
  • Navigate to the Sequoia Benefits Portal. 
  • Select "Update Benefits" → "Health Accounts" → enter your updated contribution.
• Any HSA contribution changes will be effective in the following pay cycle.

FSA

• FSA contributions can only be updated during Open Enrollment or if you experience a Qualifying Life Event.

Dependent Care FSA

• Dependent Care FSA contributions can only be updated during Open Enrollment or if you experience a Qualifying Life Event.

9] Medicare- Creditable Coverage 

Notification for Medicare eligible policyholders that our prescription drug coverage is “creditable coverage”.

• 2023 Model Creditable Coverage Disclosure Notice

What is Creditable Coverage?

Creditable means that our employer medical plan coverage is expected to pay on average as much as the standard Medicare prescription drug coverage.

We have confirmed that our medical plans are creditable.

10] Sequoia & Your Digital Platforms

Benefits Management is maintained via Sequoia with the goal of enabling the best possible experience in benefits selection and support. 

Benefits Administration Platform

All US Camundi can Log into the two core Sequoia platforms: 

How do I log in? 

Accessing the Sequoia People & Benefits Platforms

🎥Watch this short zoom clip for details! - here (This clip is accessible to all active Camundi with a Camunda email address)

What is each platform for? 

1. Sequoia Benefits Portal

   1. Access via Okta tile 

   2. Use for: Enrolments and Qualifying Life Events (QLEs)

   3. Registration: The temporary password to register for the benefits portal is the last 4 digits of your SSN. 

2. Sequoia People Platform

   1. Access via Okta tile

   2. Use for: Day-to-day benefits info, ID cards, support, and more

Sequoia Mobile App 

Access your medical, dental & vision ID cards and high-level plan details - anywhere, anytime. A health insurance advocate is only one-click away (for benefit questions and claims assistance).

Sequoia digital ID cards become available on your plan effective date or shortly after the insurance carriers process your benefit elections (for New Hires / Qualifying Life Events).

Getting Started with the Sequoia mobile App:

Sequoia & Your Available Digital Platforms

Image Added

Additional Resources 

Exit Process

1. Invite dependents to join the mobile app.
2. If any dependents aren't listed, add them manually by selecting your profile icon > invite dependents.

Additional information on Sequoias' mobile app can be found here. 

Sequoia Support

Your benefits advocate is available to support with:

• ID cards
• Selecting a health plan that best meets your needs
• Requesting “Continuity of Care” (when switching medical carriers, certain situations qualify for a transitional period where the new health plan would treat medical bills as if you received in-network care)
• Navigating “Prior Authorizations” (medical & prescriptions)
• Understanding spending accounts such as HSA and FSAs
• Finding in-network doctors/providers
• Getting answers to pharmacy coverage questions
• Expediting carrier enrollment for urgent situations
• Navigating insurance claims issues/denials
• Addressing domestic partner benefit questions
• Submitting a qualifying life event (new baby, marriage, divorce, etc.)
• Resetting passwords (for systems we have access to)
• Learning how to enroll in COBRA
• And more...

How to Contact your Sequoia support advocate:

There are 3 main ways to reach Sequoia Support, in order of data security and speed of response:

1. Available Monday to Friday, 8:30-5:00PST
2. (844)-891-3044

Upcoming Sessions and Recordings

11] Additional Resources 

Summary Annual Report (SAR) Distribution

The Summary Annual Report (SAR) for our employee benefit plans is distributed annually to all plan participants. You can find the most recent SAR for the 2023 plan year, here. Please review it for important information about our benefit plans.

HIPAA Compliance at Camunda

Camunda is committed to protecting the privacy and security of protected health information (PHI) in accordance with HIPAA regulations. As a business associate, we have implemented comprehensive safeguards and procedures, including:

• Strict access controls and security measures for PHI
• Regular employee training on HIPAA compliance
• Incident response and breach notification processes
• Ongoing risk assessments and security audits

Employees handling PHI receive additional specialized annual training.

For more information on Camund's HIPAA compliance efforts, please refer to our full HIPAA Compliance Overview.

Helpful brochures

1. Welcome to Cigna Brochure- 2024
2. Cigna One Guide Pre-Enrollment Flyer
3. Transitioning to Digital ID Cards
4. 2024 Wellness Resources
5. Cigna EAP Flyer
6. Unum EAP Flyer
7. Cigna and weight management support

12] Exit Process

Approximately ten days after your separation date you will receive a COBRA notification and election form from WageWorks, our COBRA administrator. If you do not receive information, please contact Emily Cady (Emily.Cady@camunda.com). 

IF YOU WANT TO CONTINUE YOUR CURRENT COVERAGE, YOU MUST ACTIVELY ELECT COBRA. ENROLLMENT IS NOT AN AUTOMATED PROCESS! 

You must complete and submit the enrollment documents within 60 days of your separation date or the date of the COBRA notice, whichever is later to continue group health, dental and/or vision coverage pursuant to COBRA. 

Once you have enrolled and paid the first month’s premiums, your coverage will be reinstated retroactively to the day following your separation date or the date of loss of coverage so there's no gap in coverage.

Once your coverage is reinstated, claims incurred after your separation date should be submitted to your carrier for processing.

Voluntary Life Continuation

If you are enrolled in voluntary life coverage, you will receive an email from Unum to your personal account containing a Portability Coverage form, Conversion form, and resource material outlining eligibility and FAQ's.

Spending Accounts

Health Savings Account (HSA)

1. If you are enrolled in a Health Savings Account (HSA) your account will remain active beyond your separation date.

2. Employer and employee contributions will end effective your last paycheck, but you will continue to be able to utilize your funds for eligible expenses. Funds in the account never expire.

3. Health Equity will reach out to inform you of their monthly fees for administering the account after your separation date.

4. You may choose to rollover your HSA funds into a new employer account. Health Equity can assist with that directly. 

Carrier Contact Information

Monthly COBRA Costs

The below costs do not include any administrative fees for managing the plans. In general, Health Equity charges a 2% fee in addition to the rates listed below. 

Benefit Type

Employee

Employee + Spouse

Employee + Child(ren)

Employee + Family

Medical - Cigna PPO 250

$953.29

$1,906.57

$1,711.14

$2,883.69

Medical - Cigna HSA 2000

$646.79

$1,293.58

$1,160.99

$1,956.54

Dental

$35.04

$72.48

$72.54

$116.93

Vision

$6.79

$10.86

$11.08