For 2016, the health plan contribution you pay will be based in part on the medical carrier you choose – Aetna or UnitedHealthcare. Depending on your state of residence, one medical carrier may be more cost-effective for you and BNY Mellon because one carrier may be able to negotiate greater discounts on average with local providers. Where this happens, the more cost-effective carrier will be designated as the preferred carrier.

2016 health plan contributions for preferred carriers will be lower than health plan contributions for non-preferred carriers. If you don't change your health plan coverage during Open Enrollment, your medical plan option and carrier election will remain in place for 2016.

Both Aetna and UnitedHealthcare have broad national networks, so, even if you switch carriers, you may not need to switch doctors. You can search for your doctor using the provider finder tools. See "Aetna and UHC Physician Finder" for more information.

For 2016, we're introducing new coverage levels with different contributions to help employees with families choose health care coverage that more closely meets their needs.

The pricing of the new Employee + Child(ren) and Employee + Spouse/Domestic Partner coverage levels aligns with the claims experience of our participants, which shows that costs vary by dependent. BNY Mellon claims data show that, on average, enrolled spouses/domestic partners have higher claims costs than enrolled children. The 2016 contribution rates for the new coverage tiers have been set to reflect this claims experience and will be reviewed annually. The table below summarizes the change in coverage levels.

The Employee + 1 coverage level will be discontinued. If you're currently enrolled in Employee + 1 and you don't elect a new coverage level for 2016, you'll be enrolled automatically in the level that includes dependents currently enrolled under your medical plan. You will pay the 2016 contributions for that level.

In 2016, maximum annual contributions to the Health Savings Account (HSA) will be $3,350 if you cover only yourself (no change from 2015) and $6,750 if you cover yourself and any dependents (increase of $100 from 2015). If you are age 55 or older, you may make additional catch-up contributions of up to $1,000 annually (no change from 2015). The maximum annual contribution amount includes contributions made by BNY Mellon, contributions made by you and any Live Well incentives you receive.

Plan HSA features an out-of-pocket maximum limiting what you pay out of pocket for medical expenses each year. Under the Affordable Care Act, if you cover any dependents under Plan HSA, you will pay no more than $6,850 in in-network out-of-pocket expenses for any individual covered family member during the plan year, even if the family out-of-pocket maximum is more than $6,850.The total family out-of-pocket maximum will remain the same as 2015 and will continue to be based on your base pay. For more information see "Plan HSA" in the Medical and Prescription Drug section.

In accordance with the Affordable Care Act, at no additional cost to you, you will be able to access an expanded list of in-network preventive care services, including:

Starting January 1, 2016, Aetna and UnitedHealthcare will cover infertility services only when the services are pre-authorized and you receive services at a Center of Excellence (COE). If a COE is available in your area (within 30 miles of your home address) and is not used, you will not receive infertility benefits under your medical plan. As authorized by your carrier, individuals in a current cycle of infertility treatment as of January 1, 2016, will have benefits paid for the current cycle, regardless of where the services are provided. After the current cycle is completed, if a COE is available, benefits will be paid only if the COE is used. If a COE is not available, approved treatment will be covered. The lifetime maximum benefits for medical services related to infertility services will increase to $25,000; the lifetime maximum benefits for prescription drugs related to infertility services remains at $10,000.

Starting January 1, 2016, Aetna and UnitedHealthcare will cover Applied Behavior Analysis (ABA) therapy for individuals who have been diagnosed with autism spectrum disorder. Intensive behavioral therapies such as ABA therapy focus on building skills and capabilities in communication, social interaction and learning. Covered expenses include services and supplies for the diagnosis and treatment of autism spectrum disorder, which must be prescribed by a physician or other behavioral health provider. Prior benefits authorization is required under both Aetna and UnitedHealthcare for ABA therapy. For more information see "Applied Behavior Analysis Therapy" in the Medical and Prescription Drug section.