We have your back with programs and benefits that support your holistic well-being at each stage of your career and life. Take a few minutes to review your options, as you cannot make changes until Annual Enrollment (unless you experience a qualifying life event like marriage, birth or adoption).
Welcome to
Team Amex
Here's How to Get Started
Review
Start with this page, then follow the links if you want to learn more about
specific benefits.
Choose
You must enroll in or decline coverage within 60 days of your start date for core health benefits like medical,
dental and vision.
Enroll
We’ll walk you through the steps once you’re ready!
Core Benefits
Enroll within 60 days of hire*
*Part-time employees scheduled to work less than 30 hours/week are eligible to enroll 90 days after hire.
Medical
The three medical plans are offered through both Aetna and UnitedHealthcare (UHC). Both carriers provide the same coverage, but the per-paycheck rates (which vary by state), out-of-pocket costs, and the network of doctors and hospitals differ. The differences between the plans are outlined below. Further details about the plan coverage are included in the Medical Plan Summaries of Benefits and Coverage (SBC’s) in the boxes below.
Here’s a quick look at how your options compare. For all the medical plan details, visit the Medical Benefits page.
Basic Plan
|
Cost Per Paycheck Low |
|
Deductible High |
|
Coinsurance You pay 20% for in-network care once you reach the annual deductible |
|
Covered Care In- and out-of-network |
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Health Savings Account No Amex Contribution
|
Premier Plan
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Cost Per Paycheck High |
|
Deductible Low |
|
Coinsurance You pay 10% for in-network care once you reach the annual deductible |
|
Covered Care In- and out-of-network |
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Health Savings Account Amex Contributes: Band 20-30: $500 (single) or $1,000 (family)
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Select Plan
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Cost Per Paycheck High |
|
Deductible No deductible (Tier 1* providers) |
|
Coinsurance You pay copays* for medical care and coinsurance for prescription drugs |
|
Covered Care In-network only |
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Health Savings Account No HSA and no Amex contribution. Option to open to a healthcare FSA. |
Preventive Care. 100% Covered.
Certain services are covered under preventive care, including physicals, vaccines, screenings, mammograms and more.*
*American Express covers 100% of eligible in-network preventive expenses, subject to age, gender
and frequency limitations.
Dental
We’ve partnered with Delta Dental to offer two dental plan options. With both of our dental plan options, you’re 100% covered for preventive care (think: cleanings and x-rays) and will share costs with the plan on things like fillings,
surgery and crowns.
Vision
We’ve partnered with EyeMed to provide a vision plan to cover in- and out-of-network care. Plus, free annual routine vision care exams and coverage for eyeglasses, lenses and more.
Tax-Advantaged Health and Dependent Care Accounts
We offer three tax-advantaged accounts to choose from, which you can use to buy certain essentials
with pre-tax money.
Health Savings Account
HSAs are triple-tax-advantaged for federal taxes and most state taxes, which means you never pay taxes on contributions, earnings or withdrawals as long as they are used for eligible healthcare expenses. Certain states, however, require state taxes to be paid on HSA contributions and/or earnings.
When you enroll in the Basic or Premier Medical Plan, an HSA is automatically opened for you.
Health Care Flexible Spending Account
Dependent Care Flexible Spending Account
Retirement
We’re here to help you save for the future and will match your 401(k) contributions up to 6%.
Get details on eligibility, vesting and more on the Retirement page.
Additional Coverage
Life Insurance
Disability Insurance
Legal Assistance
Critical Illness, Accident & Hospital Indemnity Insurance
There's More Where That Came From...
We also offer other benefits (no enrollment required!) that you can start using from day one.
Time to Enroll
Remember you only have 60* days from your date of hire to enroll. The benefits you choose will stay in place for the rest of the year unless you have a qualified life event. If you have any questions, contact the
Colleague Service Center.
*Part-time employees scheduled to work less than 30 hours/week are eligible to enroll 90 days after hire.
Get Prepped
Gather Social Security Numbers (SSNs) and birthdates for anyone you plan to cover. You’ll need names or trusts and SSNs or Tax IDs
for any beneficiaries.
Celebrate Joining Team Amex on Social Media
Let others know you’ve joined #TeamAmex by sharing either of the preapproved animated GIFs to your personal social channels. All you have to do is:
- Click on and download the GIF you’d like to post (see below).
- Choose a social media platform, like LinkedIn.
- Upload the GIF into a post. Write a caption explaining why you decided to join American Express. You’ll need to include #TeamAmex and copy that makes it clear that you work for the company
For example: I’m happy to announce that I’ve joined American Express on the [insert team name] team as [insert title/role]. I’m excited for this next step in my career with #TeamAmex. - When you’re done, click “Share.”