2023 Benefit Information

2023 Benefit Reminder

Understand your benefits by visiting the different pages on this website.

Are you an associate that lives in Hawaii? Our HMSA team has created the health plan guide to support you with your questions on coverage and eligibility.

Want More Information?

Check Out The Other Open Enrollment Information On One Of These Guides.

New Programs November 1, 2022

Members enrolled in the CVS-Caremark prescription plan will have access three new programs and we’re enhancing Hinge Health!

  • Hello Heart. High blood pressure is a serious situation that can lead to chronic conditions like heart disease. The Hello Heart blood pressure monitor, and mobile app help you track, understand and manage your blood pressure, reducing your risk of developing serious heart conditions.
  • Daylight is an effective digital therapeutic that helps people gain control over their anxiety. After a two-minute quiz to discover their Anxiety Type, individual receive personalized techniques to help manage it.
  • Sleepio. Do you suffer from insomnia? Sleepio offers a personalized program with step-by-step guidance to help individual quiet their racing minds, reshape behaviors, and get better sleep.
  • Hinge enhancements include Preventive, Acute, and Surgery programs along with expert medical opinion services.

Voluntary Benefits – available to ALL US associates

  • Dari by Homethrive provides a variety of tools and resources for help managing aging, special needs and caregiving. Learn more on the new Caregiving page. 
  • Student Loan and Debt education and tools now available through Fidelity. Do you have student debt that you’re curious about refinancing or are you looking to start a 529 Plan? Fidelity now has options and services to support your journey. Visit 401k.com to learn more!

Our health and wellness offerings provide a variety of programs and plans to help you Be Well, Get Better, and Feel Prepared. Whether it’s medical benefits, financial wellness, services for legal support or updating your beneficiary explore this website to learn about all the plans, resources, and programs available to you and your eligible dependents.

Our medical plans cover free preventive screenings, have low-cost provider options through tools like virtual visits and offer a selection of health programs to support your journey. When enrolled in a medical plan you can put aside pre-tax money to use on future medical expenses. Learn more about the Medical Spending Accounts.

The offerings don’t stop at medical insurance! You can elect to participate in the MetLife legal services, start saving with discounts through PerkSpot, elect supplemental life insurance for dependents and you can participate in the SaveSmart 401(k) plan and earn free money toward retirement. Let us help you feel prepared as you face the next chapter and your future.

What’s New or Changing

  • New for 2023: domestic partners will now be eligible to be on the PetSmart medical, dental, and vision plans.
    • Domestic partner can be same sex or opposite sex
    • An Affidavit of Domestic Partnership will need to be completed and returned to the benefits team to ensure enrollment of Domestic Partner
    • Supporting documentation is required along with the affidavit, confirming at least 12 consecutive months of living together, prior to date of enrollment
    • If there is a termination of relationship of domestic partnership; associate must notify PetSmart within forty-five (45) day
    • A new domestic partner cannot be added to coverage after a termination until after 12 months
    • Under Federal IRS rules, the contribution for the domestic partner will be taken post-tax and the portion that PetSmart contributes is recorded as imputed income for tax purposes
    • Imputed income: This is not actual income, but it is included in the employee’s gross income in order to assess tax withholdings.
  • Medical Plans:
    • Bind plan now has a new name – SUREST and we’ve lowered certain copays!
    • PetSmart will now contribute more to the Health Savings Account (HSA) when you are enrolled in the HDHP plan. Individuals will receive $500, and family will receive $1,000 annually – divided and deposited each pay period.  
    • PPO1, PPO2 and HDHP out-of-pocket maximums are increasing. See details in the chart below.
    • Specialist Management Solutions (SMS) is a holistic outpatient surgery solution that opens the door to affordable, quality specialty care. SMS connects employees and their eligible family members to surgical specialists in their communities who help them choose the most appropriate setting for their procedures. Specialists in the SMS alliance use ambulatory surgery centers (ASC) for outpatient procedures and surgeries, which could result in cost savings for the member.
      • Beginning January 1, 2023, all outpatient procedures will require a prior consultation with SMS. To avoid additional penalty costs, please call 833-381-2223 to speak with an SMS Care Advocate before you or your family members schedule any outpatient procedure.
          • Specialties include:
            • Cardiovascular
            • ENT
            • Gastrointestinal
            • General Surgery
            • MSK/Spine
            • Ophthalmology
            • Orthopedic
            • Pain Management
            • Podiatry
            • Urology
            • Women’s Health
    • For more information: you may view the list of common specialties and outpatient procedures that will require engagement with SMS prior to a procedure taking place. You may also visit www.specialistmanagementsolutions.com for more information. 
  • Dental
    • Cigna Dental Health Connect helps members get the proactive, personalized support they need to stay healthy. By enhancing access to care through virtual dental visits, integrated health programs and dental outreach services, members can improve their health and lower their out-of-pocket costs.
  • MetLife Legal Plan now allows up to 4-hours of consultation for non-covered services and provides 20 hours of attorney time and services for divorce.

Health Program Highlights

  • KHealth is a virtual solution for primary care, on-going condition management and urgent care services for members enrolled in the Surest plan. Best part is the copay is $0.
  • Sanvello mobile app is now available to members, and their dependents over age 13, that are enrolled in the Surest plan. Sanvello offers clinically proven therapies to help you deal with stress, anxiety, and depression.
  • Cigna Dental Oral Health Integration Program reimburses enrolled members for costs associated with certain dental services designed to help them manage their medical condition (such as diabetes, Parkinson’s Disease, Rheumatoid Arthritis, and other conditions).
  • Cigna Dental Virtual Care allows members to consult with a dentist 24/7/365 through myCigna.com. Get help with urgent dental care needs, including antibiotics and guided follow-up care. Virtual visits are covered at 100% so the member does not have any out-of-pocket costs to access the care. 

Weekly Premium Cost Charts

Medical Plans


Weekly cost. Contributions are deducted from weekly pay before taxes. Salaried associates: To calculate your biweekly contribution, multiply weekly contribution by 52 and divide by 26.
Associate Only $61.45 $44.11 $22.17 $22.17
Associate & Spouse/Domestic Partner $146.62 $112.06 $84.87 $84.87
Associate & Child(ren) $126.98 $96.85 $73.21 $73.21
Associate & Family $218.71 $167.88 $127.65 $127.65
Health Reimbursement Account (HRA)
(money from PetSmart to help you pay for eligible medical and prescription drug expenses, like copays, deductibles and coinsurance)
Individual: N/A $250 N/A N/A
Family1: N/A $500 N/A N/A
Health Savings Account (HSA)
(money both from PetSmart and that you may contribute to for health care expenses that can be used today or saved for the future)
Individual: N/A N/A N/A

PetSmart Contribution:
$500 annually *
*Prorated annual contribution based on plan start date. Divided and deposited each pay period.

Associate Contribution:
You decide how much to contribute, up to $3,8502

Family: N/A N/A N/A

PetSmart Contribution:
$1,000 annually*
*Prorated annual contribution based on plan start date. Divided and deposited each pay period.

Associate Contribution:
You decide how much to contribute, up to $7,7502

Annual Deductible
Individual: $1,250 $1,750 N/A $2,150
Family: $2,500 $3,500 N/A $4,250
Annual Medical Out-of-Pocket (OOP) Maximum
(including copays, coinsurance and deductible)
Individual: $3,500 $4,250 $6,000 $5,000
Family: $7,000 $8,500 $12,000 $10,0003
Annual Prescription Drug Out-of-Pocket (OOP) Maximum4
Individual: $1,500 $1,500 $1,500 Combined with medical OOP maximum
Family: $3,000 $3,000 $3,000 Combined with medical OOP maximum
Preventive Care5
(including annual wellness exams and screenings, labs, X-rays, gynecological exams, well-child care, and immunizations if for preventive purposes only)
In-Network: Plan pays 100%
(no copay or deductible)
Plan pays 100%
(no copay or deductible)
Plan pays 100%
(no copay or deductible)
Plan pays 100%
(no copay or deductible)
Out-of-Network: Not covered Not covered $330 Not covered
Physician Services (office visits)
Primary Care Physician (PCP): $25 copay $25 copay $25-$100 copay (combined with PCP/SCP) 80%6
Specialist Care Physician (SCP)
(including mental health and substance abuse):
$50 copay $50 copay $25-$100 copay (combined with PCP/SCP) 80%6
Inpatient Hospitalization
Associate: You pay 20% after deductible is met You pay 20% after deductible is met You pay
You pay
20% after deductible is met
Maternity Care

$25 copay for first office visit only

After you pay deductible, plan pays 80% for physician, delivery and hospital charges

$25 copay for first office visit only

After you pay deductible, plan pays 80% for physician, delivery and hospital charges

You pay $0 copay

You pay
$2,000-$3,500 copay

After you pay deductible, plan pays 80% for physician, delivery and hospital charges

1 “Family” includes “Associate plus spouse or domestic partner,” ”Associate plus child(ren),” and “Associate plus family” coverage levels.

2 Amount shown is the total IRS limit for the calendar year. Associate contributions are capped at $3,350/individual and $6,750/family as they receive employer contributions bringing the total to the IRS maximum. The IRS allows an additional $1,000 contribution if you are age 55 or older.

3The 2023 ACA Individual OOP Maximum is $9,100 which means no individual in a family can have an OOP maximum >$9,100. As a result, a new Individual Maximum of $9,100 will be embedded within the $10,000 Family OOP Maximum for the HDHP plan effective 1/1/2023.

4There is a separate out-of-pocket (OOP) maximum for prescription drug expenses administered by CVS/caremark®. Once this OOP maximum is reached, the plan pays 100% of eligible prescription drug expenses.

5 Your health plan now offers certain preventive service benefits at no cost to you. This means you don’t have to pay a copay or coinsurance, even if you haven’t met your deductible. These no-cost benefits are part of the Affordable Care Act (ACA).

6 After you meet your annual deductible.

7 Inpatient hospitalizations may vary, $4,000 is the most common copay.

Dental Plans

Coverage levels Dental Plan I Dental Plan II Dental Health
Organization (DHMO)
Weekly cost. Contributions are deducted from weekly pay before taxes. Salaried associates: To calculate your biweekly contribution, multiply weekly contribution by 52 and divide by 26.
Associate only $6.91 $3.04 $2.97
Associate plus spouse/domestic partner $13.83 $6.08 $6.52
Associate plus child(ren) $15.21 $6.69 $7.65
Associate plus family
Includes spouse or domestic partner and child(ren)
$22.82 $10.02 $11.66

Vision Plan

Associate only $1.66
Associate plus spouse/domestic partner $3.33
Associate plus child(ren) $3.33
Associate plus family
Includes spouse/domestic partner and child(ren)

Frequently Asked Questions

Haven’t found what you’re looking for? Check out these frequently asked questions.

A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care costs. Your contributions to an FSA are pre-tax, meaning they lower your taxable income, saving you money on taxes in the long run. Visit the Medical Spending Accounts page to learn more.

A health savings account allows you to save money for qualified medical expenses for this year and the future. Associates that enroll in the High Deductible Health Plan (HDHP) get a Health Savings Account (HSA) automatically. PetSmart contributes to your HSA each year you are enrolled. Individual coverage enrollment earns $500/year, and family coverage earns $1,000/year—that’s free money! Our partners at Optum Bank will tell you more about Health Savings Accounts in the video below.

That’s right, YOU have life insurance. Why is it important to name a beneficiary? In the event of your death, we must know who you designate to receive the benefit proceeds. If a beneficiary is not named, or hasn’t been updated, the insurance policy or state law decides who receives the funds. We want to make sure the proceeds go to the person, trust or organization of your choice so we encourage you to review you beneficiary now! For help with adding or updating your beneficiary, view this learning guide.

MetLife offers a robust legal plan to PetSmart associates during open enrollment. When you enroll you have access to expert guidance and tools needed to handle an assortment of personal legal needs. The premiums for this plan are deducted automatically from your paycheck and are sent to MetLife on your behalf. Want to learn more? Check out the MetLife Legal Services video below.

Top 10 reasons to enroll in the MetLife Legal Services.

Surest—A personalized health plan.

Learn more about what a Health Savings Account (HSA) is and how it works.