January 1, 2020 Wellness Benefits 213
Wellness Benefits
Your Citi Benefits include programs intended to help you
improve your health and reduce health care costs. These
programs include:
> The Live Well at Citi Program;
> Citi On-Site Medical Clinics; and
> Citi On-Site Fitness Centers.
Contents
The Live Well at Citi Program ................................................................................................................... 214
Health Advocate ...................................................................................................................................................... 215
Live Well Health Assessment ................................................................................................................................. 215
Live Well Healthy Activities ................................................................................................................................... 216
Live Well Chronic Condition Management Programs ............................................................................................ 218
Live Well Rewards .................................................................................................................................................. 218
Important Privacy Information ................................................................................................................................ 221
Citi On-Site Medical Clinics ...................................................................................................................... 221
Citi On-Site Fitness Centers ..................................................................................................................... 222
214 Wellness Benefits January 1, 2020
The Live Well at Citi
Program
The Live Well at Citi Program is designed to help you and your family to improve your
health. The program provides tools and resources to help you manage your health care
and help you achieve your health goals.
As an incentive to participate in the program, you can also earn valuable Live Well
Rewards, either in the form of reductions to your medical premiums or gift cards, or both —
depending on whether you are enrolled in a Citi medical plan (details below).
Earn Live Well Rewards all year long by completing healthy activities. The benefits of Live
Well at Citi vary by location; however, here are the components of the Live Well at Citi
Program open to all U.S. employees:
At a Glance
Live Well Tools
and Resources
Description
How to Access
Health Advocate
A free personal support service to help you
manage your health care needs, from
working through difficult health claims, to
choosing a doctor, to making choices
regarding a serious illness.
1 (866) 449-9933 from 8 a.m. to 9 p.m. ET, Monday
through Friday; after hours and on Saturday and
Sunday, leave a message and a representative will
return your call the next business day.
Live Well Health
Assessment
An interactive health questionnaire, offered
through RedBrick Health, that takes about
15 minutes to complete. It is designed to
help you identify ways to improve your
health
Employees: My Total Compensation and Benefits at
www.totalcomponline.com.
Spouses/partners who are enrolled in a Citi
health plan: through the RedBrick Portal at
wellness.redbrickhealth.com. (If it is your first time
logging in, you will be prompted to create a new
username and password.)
Live Well
Healthy Activities
A variety of programs that address stress,
nutrition, physical activity, weight
management and back pain. You can speak
with an expert RedBrick health coach or use
online and/or mobile tools to take fun, bite-
sized steps to forming healthy habits. This
includes the Live Well Tobacco Cessation
Program.
Employees: My Total Compensation and Benefits at
www.totalcomponline.com.
Spouses/partners: through the RedBrick site at
wellness.redbrickhealth.com. (If it is your first time
logging in, you will be prompted to create a new
username and password.)
Live Well
Chronic
Condition
Management
Programs
Programs for members enrolled in an Aetna
or Anthem BlueCross BlueShield medical
plan and who have a chronic health
condition, such as heart disease or diabetes.
If you or a covered dependent meets program
condition criteria, a nurse from your medical plan
may invite you to participate.
Citi Medical
Clinics and
Fitness Centers
(See “Citi On-Site Medical Clinics” and “Citi On-Site Fitness Centers” on page 222.)
Get Excited
About Living
Well!
Do you want to lose weight?
Manage stress? Just feel
better? Whether you’re looking
to improve or maintain your
good health, the Live Well at
Citi Program has something for
you. Learn more at
Citibenefits.com.
January 1, 2020 Wellness Benefits 215
Health Advocate
Health Advocate is a free program available to you and your family — your spouse/partner, children, parents
and parents-in-law — regardless of your health coverage. You and your family members do not need to be
enrolled or eligible to participate in a medical plan offered by Citi to use Health Advocate.
Health Advocate helps you take control of your health care issues. You and your family can call Health
Advocate to speak with a staff of medical professionals and health-related specialists to help you:
> Resolve insurance claims and billing issues;
> Identify and make appointments with a hard-to-reach specialist;
> Obtain additional information about a medical condition;
> Address medical issues and the health care needs of your family members; and
> Understand issues related to prescription drugs, such as comparisons between generic and brand-name
medications.
Health Advocate’s Health Cost Estimator+
™
(HCE+) Tool
Health Advocate’s Health Cost Estimator+ (HCE+) tool, a phone-based resource that helps you compare
costs of medical services and procedures.
Many people do not realize that the cost of a medical procedure can vary by over 100%, even within the
same geographic area. With consumers picking up more of the cost of their health care, they need clear,
actionable, preservice information to help project their out-of-pocket costs.
Health Advocate’s HCE+ pricing transparency tool compares the costs of hundreds of common health care
services and procedures by ZIP code. This valuable resource is designed to help you in the decision-making
process so you can maximize the value of your health care dollars and reduce health care costs.
Easy Access
Available free to all Citi employees (regardless of whether you are enrolled in a medical plan), the HCE+
pricing transparency tool can be accessed by calling a Health Advocate representative. The representative
you speak with will then act as your Personal Health Advocate, perform the research and provide
personalized results.
Live Well Health Assessment
The Live Well Health Assessment is a brief online questionnaire that provides a snapshot of your current
health status. After completing the Health Assessment, you will receive recommendations about ways to
improve your health.
The Live Well Health Assessment is available to benefits eligible employees. You do not need to be enrolled
in a medical plan offered by Citi to participate. Spouses/partners may also complete the Live Well Health
Assessment, but only if they are enrolled in a medical plan offered by Citi.
The Live Well Health Assessment is a simple, secure online questionnaire that takes about 15 minutes to
complete. It immediately generates a personalized report summarizing your health. You can use the report
to discuss concerns with your doctor, as a checklist of questions to ask or to update your doctor on your
health status; for example, if any signs or symptoms are worsening.
216 Wellness Benefits January 1, 2020
Live Well Healthy Activities
The Live Well at Citi Program offers a number of resources to help you develop and maintain healthy habits.
Live Well Healthy Activities, offered through RedBrick Health, include supportive online programs and tools
that can help you achieve your wellness goals. Live Well Healthy Activities include:
> The Live Well Tobacco Cessation Program — offers help to identify the challenges you face when
quitting tobacco use and to set goals to overcome them.
> Live Well Journeys
®
— online wellness programs, tailored to your interests, that can help you make
progress on health topics of your choosing by taking small steps toward your goals.
> RedBrick Track
™
— an online daily wellness tracker that helps you maintain and expand daily healthy
habits. Examples include tracking your daily exercise and eating habits.
> Health Coaching — certified experts who will work with you by phone to help answer your health
questions, provide support in overcoming obstacles, and help you set and achieve your health and
wellness goals.
You can sign up for any of the Live Well Healthy Activities by visiting the RedBrick site through My Total
Compensation and Benefits (click “RedBrick Health (Health Assessment and Rewards)”). Your
spouse/partner or dependents 18 and over can sign up for programs by visiting the RedBrick site at
wellness.redbrickhealth.com. Just follow the instructions for registering.
Live Well Tobacco Cessation Program
The Live Well Tobacco Cessation Program is available to active, benefits eligible employees and their
benefits eligible spouses/partners (regardless of whether they are enrolled in a Citi medical plan).
If you choose the Health Coaching option, your coach will work with you to identify the challenges you face
when quitting and set goals to overcome them. You and your spouse/partner may be eligible for free
nicotine replacement therapy (NRT). If you have stopped using tobacco products recently, a health coach
can help you keep your commitment to being tobacco-free.
Program representatives may reach out to those who have indicated on their Live Well Health Assessment
that they use tobacco products or have stopped using tobacco products within the past 12 months, but you
do not need to wait to be invited. To get started, log on to the RedBrick site or call 1 (855) 814-5595.
You can also complete an online Live Well Journey
®
focused on quitting tobacco use. (See below.)
Tobacco Free Attestation
If you and your spouse/partner are enrolled in Citi medical coverage for 2020, during Annual Enrollment you
will have the opportunity to complete the Tobacco Free Attestation on Your Benefits Resources
™
. If during
that time you indicate that you use tobacco products (including vapor products and all forms of smokeless
tobacco products) or if you fail to complete the Tobacco Free Attestation before your enrollment deadline,
you and your covered spouse/partner will each pay a $600 annual penalty on your health care coverage.
If you participate in the Live Well Tobacco Cessation Program in 2020, you will stop paying the penalty once
you complete either the telephonic health coaching program (a minimum of four calls with a health coach) or
complete a tobacco-focused Journey through the RedBrick site. You will also be refunded for all penalties
paid in 2020. In addition, you can earn $25 toward your Live Well Healthy Activities that can be redeemed
for gift cards if you complete the Live Well Tobacco Cessation Program.
IMPORTANT: Even if you plan to continue with your current Citi medical plan, you must complete the
Tobacco Free Attestation before your Annual Enrollment deadline or you will default to “tobacco user” status
and will pay the tobacco penalty in 2020.
January 1, 2020 Wellness Benefits 217
Live Well Journeys
®
Live Well Journeys are online wellness programs, tailored to your interests that can help you make progress
on health topics of your choosing by taking small steps toward your goals. Journeys can be accessed over
the web or via your mobile device.
To get started, select a Live Well Journey and choose the steps you would like to commit to as part of your
Journey. Steps may incorporate activities as well as brief videos. You can give feedback on the steps you
like and the ones you do not to further personalize your experience. If you are looking for additional
encouragement, you can request live support by phone.
Live Well Journeys include Get Strong at Home, Move It and Lose It, Smart Snacking, Dine Out: Take
Charge, Make Your Date to Quit, Stress to Energy Sampler and more.
RedBrick Track™
RedBrick Track is a daily wellness tracker that spans a spectrum of daily health habits — getting active,
eating healthy and living well — yet takes just a minute or two per day. You can access this fun, easy-to-use
tool via the web, a tablet or a mobile phone, or sync up with compatible devices or apps for automatic
physical activity tracking.
RedBrick Track helps you maintain and expand your daily healthy habits by reinforcing progress and
encouraging you to establish and beat your personal best on the Daily Wellness Meter.
Health Coaching
RedBrick health coaches are certified experts who will work with you by phone to help answer your health
questions, provide support in overcoming obstacles and help set small goals to work on between sessions.
Choose from topics including managing blood pressure, cholesterol, diabetes, stress and more.
Grand Rounds: Expert Guidance. Expert Care.
You don’t have to be enrolled in Citi medical coverage to use this free service. Grand Rounds provides you
and your family members with expert medical opinions and support to help ensure you always receive the
best care possible. Whether you need help finding the best physician in your area, information about a new
diagnosis or treatment or support deciding if surgery is right for you, Grand Rounds will assist you with such
decisions. Grand Rounds works with top doctors and specialists across the country and identifies the
highest quality physicians for your unique needs.
Use Grand Rounds any time, but especially if you need a second opinion on a new or long-term health issue
or treatment plan. Sign up by visiting www.grandrounds.com/livewell. Just follow the instructions for
registering.
Sleepio
Sleepio is a leading app-based, online sleep improvement program that is scientifically proven to help you
fall asleep and stay asleep. Whether you need a few basic tips or require more detailed guidance on how to
improve your sleep, register for Sleepio and complete the two-minute sleep test online to learn your sleep
score, then work to improve your sleep with proven techniques developed from over 35 years of related
research. This service is free to all Citi employees, regardless of whether you are enrolled in a Citi medical
plan. However, your spouses/partners must be enrolled in a Citi medical plan to utilize Sleepio’s services.
Learn more about Sleepio online at www.sleepio.com/livewell, or email your questions to Sleepio
customer service at [email protected].
218 Wellness Benefits January 1, 2020
Livongo for Diabetes™ Program
If you and your family are enrolled in a Citi medical plan and you or a family member has diabetes, you can
participate in Livongo’s diabetes management program (Livongo for Diabetes™). The program offers three
key components:
> A connected glucose meter that transmits data and messaging in real time and ongoing test strip supply;
> A smart analytics platform that provides predictive and personalized insights; and
> Virtual coaching from Certified Diabetes Educators.
This approach encourages more frequent blood glucose checks, provides just-in-time outreach from
Certified Diabetes Educators and automates the often-cumbersome task of ordering supplies and manually
tracking blood glucose readings. Most importantly, participants receive personalized, real-time information
that can enable more confident self-management and improved glycemic control.
Live Well Chronic Condition Management Programs
The Aetna and Anthem BlueCross BlueShield medical plans offered by Citi include access to Live Well
Chronic Condition Management Programs for certain members. If you or a covered dependent meets
program condition criteria, a nurse from your medical plan may invite you to participate. These programs
can help you navigate different care options and manage your treatment plan for many common conditions.
Sample management programs include:
> Disease and chronic condition assistance (e.g., breast cancer, COPD, diabetes);
> Pregnancy care;
> NurseLine;
> And more.
Specific program details will vary based on your medical plan. Call the number on the back of your medical
ID card for details about the Live Well Chronic Condition Management Programs that may be available to
you.
Live Well Rewards
For the 2020 plan year, you can earn Live Well Rewards for activities such as exercising and participating in
a health screening. You can even earn Rewards if you are not enrolled in a Citi medical plan, and your
spouse/partner can earn them too. Live Well at Citi can help you feel better and even spend less on health
care in the long run.
Healthy Activity
Your Reward
Take action to save on your health plan premiums in 2020
Live Well Health
Assessment
Take the Live Well Health
Assessment between
October 1 and November 2,
2019
Earn a $150 discount off
your annual health plan
premiums
OR
Employees can earn
$150 in gift cards if not
enrolled in a Citi medical,
dental or vision plan
January 1, 2020 Wellness Benefits 219
Healthy Activity
Your Reward
Take action to save on your health plan premiums in 2020
Tobacco Free Attestation
Complete the Tobacco Free
Attestation on Your Benefits
Resources
™
(YBR
™
),
available through My Total
Compensation and Benefits
at
www.totalcomponline.com,
or complete the Live Well
Tobacco Cessation Program
in 2020
You’ll see the attestation
during your enrollment flow
when you enroll in your
benefits.
Avoid the $600 penalty
per person (if enrolled in
Citi medical coverage) if
you are tobacco-free
If you are not tobacco-
free, you can earn from
$1-$75 that can be
redeemed for gift cards if
you complete the Live
Well Tobacco Cessation
Program (counts toward
your $300 Live Well
Rewards maximum)
Complete Healthy Activities in 2020 to earn gift card Rewards throughout the year
Live Well Healthy
Activities
Every step toward a healthier
you counts! Earn Rewards if
you:
> Track your exercise
> Get a health screening
> Complete an online
Journey or coaching
program
> And more!
Earn up to $300 in
Rewards per person to
redeem for gift cards
Live Well Chronic
Condition Management
Programs
Work with a professional
from your health plan on a
specific program to address
your chronic health
condition(s)
Earn $100 in Rewards
per person to redeem for
gift cards (counts toward
your $300 Live Well
Rewards maximum)
* “Spouse/partner” includes legal spouse (same or opposite sex), domestic partner and civil union partner.
After you take the Health Assessment, start completing Healthy Activities to earn Rewards. The total amount
of Rewards you can earn in a year for completing Healthy Activities is $300, in addition to the $150 for
completing the Health Assessment.
If You Complete This Healthy Activity…
You Will Earn…
Complete a health coaching session
$25 per completed session, up to $100 per year
Complete online Live Well Journeys
$1 per day, up to $75 per year
Track 30 minutes of physical activity, such as going for a
walk or run, lifting weights or taking an exercise class
$1 per day, up to $50 per year
Get a preventive screening (cholesterol, blood pressure,
weight, etc.) at your doctor’s office or at a Citi-sponsored
on-site biometric screening.
$50 (earn once in the year)
Note: If you get a screening through your doctor, have him
or her complete the Physician Screening Form (available on
the RedBrick site) and return it to RedBrick. If you
participate in a Citi-sponsored on-site preventive screening,
your screening results will be uploaded automatically to the
RedBrick site.
Chronic Condition Management Programs (if invited by
your Citi health plan carrier)
$100 per person
Complete the Global Fitness Challenge in April 2020
$25
Register for Grand Rounds and complete your profile to
learn more about the service*
$15
Enroll in the diabetes management program through
Livongo and activate the glucose meter*
$15
Complete the sleep test through Sleepio to learn your
sleep score, then work to improve your sleep techniques*
$15
Watch the Investment Fundamentals online webinar
provided by Save Well
$25
220 Wellness Benefits January 1, 2020
If You Complete This Healthy Activity…
You Will Earn…
Download the Anthem Engage App and register your
account online*
$15
Register with Telehealth and complete your profile to
learn more about this service*
$15
Complete an initial maternity care assessment
$50
Participate in Global Community Day
$25
*Only first time registrants are eligible to earn this Reward.
For more information the details for each incentive visit https://www.citibenefits.com/Well-Being/Live-
Well-at-Citi.
Important Things to Note
> You can receive health plan premium discounts for completing your Live Well Health Assessment and
attesting to being tobacco-free. If you are not enrolled in a Citi medical plan, you can earn $150 in gift
cards by completing the Live Well Health Assessment.
> You can also earn gift card Rewards throughout the year for completing activities such as exercising,
registering for telehealth and getting a health screening. Choose from a wide selection of gift cards to
many popular retailers. Gift cards are considered taxable income. To compensate for the tax, Citi will
“gross up” or issue payments approximating any tax you’ll pay.
> The total amount of Live Well Rewards you can earn is $300 per person (not including the Health
Assessment Reward of $150).
> You are eligible for the Health Assessment Reward if you were transferred from a Citi International
Business or newly hired before October 1, 2019. You will see the Reward displayed on YBR
™
within 48
hours.
> Participants must comply with these deadlines to receive Rewards or avoid the tobacco penalty. (If you
are enrolling your spouse/partner in Citi Benefits for the first time in 2020, your spouse/partner can earn
a Live Well Reward of $150 by completing the Health Assessment between November 4 and
November 16, 2019.)
> If you use tobacco products, you will stop paying the penalty once you complete the Live Well Tobacco
Cessation Program through RedBrick Health, either with a tobacco-cessation health coach or online
through one of the tobacco-cessation-focused Journeys. The penalty will be removed as soon as
administratively possible. You will receive a full refund of all penalty payments once the program is
completed. In order to have your 2020 tobacco penalty payments stopped and receive your $600 refund,
you must complete the Tobacco Cessation Program either by working with a health coach or by
completing a tobacco-cessation-focused Journey by September 30, 2020. In addition, when you
complete the Live Well Tobacco Cessation Program, you will also receive a $25 Reward that can be
redeemed for gift cards (counts toward your $300 Live Well Rewards maximum).
> Based on your responses to the Live Well Health Assessment, you will be invited to participate in
specific Live Well Journeys and/or coaching programs. Alternatively, you may call RedBrick at
1 (855) 814-5595 and request to participate in these programs.
> If you leave Citi, your Live Well Rewards will be forfeited unless redeemed prior to leaving.
To learn more about Live Well Rewards, log on to the RedBrick site or call 1 (855) 814-5595.
January 1, 2020 Wellness Benefits 221
Important Privacy Information
The Live Well at Citi Program was designed to provide for your privacy and to comply with all federal and
state privacy laws, including the Health Insurance Portability and Accountability Act of 1996 (HIPAA).
Personal health information provided through the Health Assessment and other information that you provide
is maintained by a third-party vendor (RedBrick Health) and is not maintained on Citi data systems.
All information provided through the Live Well at Citi Program is available for review by you, your doctors
and other health care professionals. Safeguards have been implemented to prevent your personal
information from being seen or shared by other people. No Citi employee should see your health information
on any of the Live Well at Citi Program websites, if applicable. Citi will receive aggregate reports to review
the performance of the program.
By enrolling in the Citigroup Health Benefit Plan, you consent to the terms and conditions of the Live Well
Program at Citi, as they may be amended from time to time.
Citi On-Site Medical Clinics
Citi operates medical clinics in the following locations: Jacksonville and Tampa, FL; Florence, KY; O‘Fallon,
MO; Jersey City; New York (111 Wall St. and 388 Greenwich St.) and Long Island City, NY (closing
June 2020) ; and Irving and San Antonio, TX.
The clinics offer the following services:
> Assessment, treatment, recommendation and/or referral for illness and injury;
> Allergy shots/medical injections: if your doctor prescribes allergy shots or other medical injections, you
can arrange to have these administered in a clinic;
> Annual seasonal flu shots;
> Preventive care screenings (such as blood pressure screenings, cholesterol/health screenings and skin
cancer screenings);
> Laboratory blood tests and EKGs on the order of your physician;
> Ergonomic workstation evaluations;
> Mothers’ rooms that offer a private space for new mothers to pump breast milk and a refrigerator for
storage may be located near or inside our clinic at some locations;
> Immunizations and consultations for international business travel;
> Periodic medical exams for expat staff and spouses;
> Referrals to appropriate medical specialists and other on-the-ground resources worldwide for expat staff
and international business travelers;
> Monitoring of international medical care and emergency medical evacuations coordinated through Travel
Health Services and Citi Travel Health Assistance;
> Hearing screenings;
> Basic vision test for your driver’s license application; and
> Immunizations or a test for tuberculosis before starting a college program or community service
program.
222 Wellness Benefits January 1, 2020
Citi On-Site Fitness
Centers
All Citi Fitness Centers (CFCs) are staffed by degreed fitness professionals who work closely with
employees to create customized exercise programs and work together to plan and achieve individual fitness
goals. Employees in locations with on-site CFCs who desire membership must complete a health and entry
screening process that includes two short appointments during which medical history, program policy,
safety, goals and equipment operations are reviewed.
Members are then provided with information and recommendations about frequency, duration, mode and
intensity of an individualized exercise program. Fitness center staff members are available and ready to
assist with program updates and changes throughout your visits to Citi facilities.
All Citi fitness facilities feature strength and cardiovascular equipment, and most offer a variety of group
exercise classes at no additional charge.
CFCs frequently offer motivational or incentive programs; screenings, such as cholesterol, blood pressure
and skin cancer; and site-wide events to educate and motivate employees toward healthy lifestyle changes
and maintenance.
Most of the CFCs offer towel service at no additional charge, and some offer other services, such as
massage therapy, nutrition programming and/or personal training for a fee.
The CFCs have a fee structure that is very competitive with the surrounding geographic area and that
typically is well below market rates for similar operations and facilities. For membership fee rates or other
information about the CFC, such as hours of operation, group exercise class schedules, equipment offered
and upcoming events or news, visit your local CFC or the Live Well at Citi Collaborate site and link to your
CFC of interest. Follow Live Well at Citi on Collaborate.
Citi operates On-Site Fitness Centers in the following locations:
Boise (Meridian), ID; Buffalo, and New York (388 Greenwich St.), NY; Elk Grove Village (Chicago), IL;
Florence, KY; Hagerstown, MD; Sioux Falls, SD; Irving and San Antonio, TX; Jacksonville and Tampa, FL;.