General Benefits Questions

For general questions or support, contact the EXL Benefits Service Center by calling 1-877-319-8490 or visiting worklife.alight.com/exl. Representatives are available Monday–Friday, 8am–8pm ET. Get support from the EXL Benefit Team by submitting a ticket: EXL Planet -> Unified Service Desk -> Connect HR -> Employee Benefits

• Affordable Care Act and Patient Protection (ACA). Also called Health Care Reform, the ACA requires health plans to comply with certain requirements. The ACA became law in March 2010. Since then, the ACA has required some changes to medical coverage—like covering dependent children to age 26, no lifetime limits on medical benefits, reduced flexible spending account contributions, covering preventive care without cost-sharing, etc, among other requirements.
• Brand Name Drug. The original manufacturer’s version of a particular drug. Because the research and development costs that went into developing these drugs are reflected in the price, brand name drugs cost more than generic drugs.
• Coinsurance. A percentage of costs you pay “out-of-pocket” for covered expenses after you meet the deductible.
• Copayment (Copay). A fee you have to pay “out-of-pocket” for certain services, such as a doctor’s office visit or prescription drug.
• Deductible. The amount you pay “out-of-pocket” before the health plan will start to pay its share of covered expenses.
• Generic Drug. Lower-cost alternative to a brand name drug that has the same active ingredients and works the same way.
• High-Deductible Health Plan (HDHP). HDHPs are health insurance plans with lower premiums and higher deductibles than traditional health plans. Only those enrolled in an HDHP are eligible to open and contribute tax-free to a Health Savings Account (HSA).
• Health Savings Account (HSA). A Health Savings Account (HSA) is a portable savings account that allows you to set aside money for health care expenses on a tax-free basis. You must be enrolled in a high-deductible health plan to open an HSA. An HSA rolls over from year to year, pays interest, can be invested, and is owned by you—even if you leave the company.
• Out-of-Pocket Maximum. The most you pay each year “out-of-pocket” for covered expenses. Once you’ve reached the out-of-pocket maximum, the health plan pays 100% for covered expenses.
• Plan Year. The year for which the benefits you choose during Annual Enrollment remain in effect (i.e. January 1, 2027 – December 31, 2027). If you’re a new employee, your benefits remain in effect for the remainder of the plan year in which you enroll, and you enroll for the next plan year during the next Annual Enrollment.
• Preventive Care. Health care services you receive when you are not sick or injured—so that you will stay healthy. These include annual checkups, gender- and age-appropriate health screenings, well-baby care, and immunizations recommended by the American Medical Association.