Marcus Benefits FAQs

ATTENTION: There is an important update for 2020 FSA Participants.

VIEW NOTICE

What will happen to my Marcus benefits as a result of my lay off?

Nothing. Your benefits will continue with no break in coverage. We will continue paying the employer portion of the health premium for temporarily laid off associates. The associate portion of the premium will go into arrears. Upon your return to work, nominal additional payroll deductions will be taken each pay period until the arrears balance is repaid.

This is a very stressful and anxious time for me, where can I get support and assistance?

In this time of uncertainty and stress remember that the Employee Assistance Program (EAP) is a great resource to help weather this storm.  The EAP is available to help deal with a number of issues that you may be facing during this crisis including:
  • Stress, Anxiety & depression
  • Relationship/marital concerns
  • Alcohol or other drug abuse
  • Parenting/ family concerns
  • Anger management
  • Social isolation
Contact the EAP at:  aah.org/eap or at 1-800-236-3231 to talk through your concerns.

With the reduction in hours and closing of many locations, how can I get my benefit related questions answered?

If you have questions or concerns that are not answered in this document, please feel free to reach out to  Corporate Benefits via e-mail at benefits@marcuscorp.com.
Counseling Session

Medical Benefits FAQs

What does your Marcus Medical benefits cover with regard to COVID‑19?

If you need it, your coverage in either Anthem health plan will cover COVID‑19 testing and the care visit where the test takes place with no out-of-pocket costs. This applies no matter where you are tested, including a doctor’s office, urgent care or emergency room. Care provided by telehealth through a LiveHealth Online visit is also covered with no cost to you through June 14, 2020.

How do I access LiveHealth Online?

When you need to see a doctor, simply go to livehealthonline.com or access the LiveHealth Online mobile app. Select the state you are located in and answer a few questions.

Why should I use LiveHealth Online?

Once you sign up for Anthem’s LiveHealth Online you can visit a board-certified doctor from the comfort of home, minimizing the risk of exposure to yourself and others. Doctors are available 24/7. The doctor you see can evaluate your symptoms, help you understand whether you’re at risk for COVID-19, and let you know whether you need to visit a local health care provider in person for COVID-19 testing.  And remember these video visits with doctors and mental health professionals are free of charge through June 14, 2020.

What other resources are available through Anthem at this time?

Sydney Care

A coronavirus assessment is available through the Sydney Care mobile app.  The assessment is designed and based on guidelines from the Centers for Disease Control (CDC) and National Institutes of Health (NIH).  It can help you quickly and safely evaluate your symptoms and assess your risk of having COVID-19 based on input including your current symptoms, recent travel and potential contact with anyone with the virus.

Sydney Care is available to download at no cost to you for iOS through the Apple App Store or for Android through the Google Play Store.

Anthem Nurseline

Anthem offers a 24/7 NurseLine, which is another great resource if you have questions about COVID-19 or need guidance regarding your health.  You can contact the NurseLine at 1-866-647-6120.

What should I do about my regular prescriptions?

CVS has eased early refill restrictions on 30-day prescription maintenance medications, so you can get a 30-day emergency refill, if needed.  If you need an early refill, call your pharmacy and ask if you’re eligible to refill your prescription early due to COVID-19.

We also recognize that it may be more challenging for you to see your physician for routine care at this time.  In order to prevent gaps in therapy, CVS is extending many prior authorizations that were set to expire between March 23rd and June 30th for an additional 90 days.  If you have questions about your specific situation, please call CVS Customer Care at 1-800-776-1355.

You are also encouraged to check your current medication supply to make sure you have enough on hand. As always, we encourage you to refill your prescription on time.

How can I get my prescriptions if I’m under a “shelter in place” order?

With more and more states implementing a “shelter in place” order and the CDC recommending people stay at home, especially those at high risk, we understand that you may not want or be able to visit the pharmacy to pick up your prescription medications. To help make sure you can continue to have access to the medications you need, when you need them, CVS is offering the following home delivery options at no extra cost.

Get 90-day supplies delivered by mail

You can have your prescriptions delivered to your home or wherever you need them by CVS Caremark Mail Service Pharmacy in 90-day supplies at no extra cost. To get started for you or a family member, you can choose one of the following options:

OPTION 1: Ask your doctor to send an electronic prescription (eRx) to CVS Caremark Mail Service Pharmacy. It needs to be a prescription for a 90-day supply of your maintenance medication.

OPTION 2: Sign in or register at Caremark.com. Select Prescriptions from the navigation bar. From the drop-down menu, select Request a New Prescription. Search for your drug name and strength, add to your cart by selecting Request a New Prescription, and complete your order.

Get 1- 2-day free Rx home delivery from CVS Pharmacy

CVS Pharmacy is waiving charges for home delivery of prescription medications during the COVID-19 outbreak. Visit CVS.com to set up free 1- to 2-day Rx home delivery.

Ask your pharmacy about home delivery options

Many retail pharmacies are offering home delivery service. Check with your pharmacy to find out if they offer home delivery and whether there are delivery fees.

If you have questions or want to learn more, call CVS Customer Care at 1-800-776-1355.

Telehealth

Other Benefits

Am I able to make changes to my 401k deferral amount during this time?

Yes, contributions can be adjusted at any time during the year.  You may log onto your account through wellsfargo.com or you can call Wells Fargo’s Retirement Service Center at 1-800-728-3123 to reduce or stop making these contributions.

I have an outstanding 401(k) loan, can I stop making payments on the loan while I am laid off?

Yes, the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) that was signed into law on March 27, 2020 allows for retirement plan loan flexibility if you have been impacted by COVID-19 as defined in the law. The CARES Act allows for a pause (and related extension) in repayment for 401(k) loan payments due through December 31, 2020.

This will not happen automatically. If you are interested in pausing your loan payments, you need to contact the Wells Fargo Retirement Service Center at 1-800-728-3123.

If I am not working, can I access the money in my 401(k) to help make ends meet?

Yes, the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) that was signed into law on March 27, 2020, includes several retirement plan provisions that offer relief for participants. You have two options to access funds in your 401(k) if you have been impacted by COVID-19 as defined in the CARES Act.

  1. You are able to take an early withdrawal from the plan that will not be subject to the 10 percent early withdrawal tax penalty. Coronavirus-related distributions may be re-contributed to a retirement plan over three years. Additionally, you will also be permitted to pay taxes on these distributions over three years.
  2. You can take a loan from your 401(k). The amount available as a plan loan for qualified Coronavirus relief is basically doubled. The maximum loan amount is increased to the lesser of $100,000 or 100% of your vested account balance in the plan.

 

To learn more about either of these options, or to initiate a withdrawal or loan, contact the Wells Fargo Retirement Service Center at 1-800-728-3123.

Am I able to stop my Dividend Reinvestment and Associate Stock Purchase Plan (DRIP) deduction?

Yes, if you’d like to stop your DRIP deduction you may do so at any time during the year. To end your deduction, please email your request to Corporate Benefits at benefits@marcuscorp.com.

My pay or hours have been reduced, can I reduce contributions to a Medical Flexible Savings account (FSA)?

No, unfortunately a reduction in pay or hours due to the coronavirus pandemic is NOT a qualifying event that would allow you to reduce, change or cancel your Medical FSA contribution.

UPDATE: On May 12, 2020, the IRS announced temporary flexibility in the rules around Flexible Spending Accounts (FSAs). This temporary rule change allows participants to cancel, decrease or make a new election for Medical or Dependent Care Flexible Spending Accounts. This means that you can reduce or cancel your Medical or Dependent Care Flexible spending contributions for 2020, without a qualifying life event.

There are a few important things to keep in mind if you are considering making a change to either or both elections:

  • The change will be prospective- meaning you cannot reduce your election lower than the amount you have already contributed;
  • Your new election cannot be less than what the plan has already reimbursed;
  • You need to contact Corporate Benefits to manually make the change for you;
  • Any change requested will be effective the first day of the next pay period

 

If you have any questions, or would like to make a change to your election, please reach out to Benefits@marcuscorp.com.

Can I reduce my Dependent Flexible Spending contributions?

If you have had a reduction in pay or hours as a result of the COVID-19 response, this is a qualifying event that would allow you to reduce your Dependent FSA contribution.

UPDATE: On May 12, 2020, the IRS announced temporary flexibility in the rules around Flexible Spending Accounts (FSAs). This temporary rule change allows participants to cancel, decrease or make a new election for Medical or Dependent Care Flexible Spending Accounts. This means that you can reduce or cancel your Medical or Dependent Care Flexible spending contributions for 2020, without a qualifying life event.

There are a few important things to keep in mind if you are considering making a change to either or both elections:

  • The change will be prospective- meaning you cannot reduce your election lower than the amount you have already contributed;
  • Your new election cannot be less than what the plan has already reimbursed;
  • You need to contact Corporate Benefits to manually make the change for you;
  • Any change requested will be effective the first day of the next pay period

 

If you have any questions, or would like to make a change to your election, please reach out to Benefits@marcuscorp.com.

Can I reduce or stop contributing to my Health Savings Account (HSA)?

Yes, changes to your HSA contributions can be made any time during the year.  Simply log into your MyMarcusBenefits.com account and follow the steps below in order to make your changes:

  1. Go to “Enroll/Manage Your Benefits”
  2. Click on the HSA button.
  3. Click on “Edit or Cancel Coverage” or “Edit Contribution”
  4. If you wish to stop all current contributions, choose “Edit or cancel coverage” then click “Decline Coverage” and “Next”.
  5. If you wish to reduce your current contribution, choose “Edit contribution” to open a window that will allow you to elect a new contribution amount. Click “Edit”, enter the new contribution, click “Update”, then “Next”.
Savings