Frequently Asked Questions

How do I earn my wellness incentive for 2019?
The Be Well Rewards (Incentive Program), provided through RedBrick Health, supports you in living a healthy lifestyle. The program is available to you and your enrolled spouse/domestic partners. You and your spouse/domestic partner can each earn up to $350 this year, for a total family reward of $700 by taking healthy actions and completing challenges in 2019. See how your healthy activities can add up and how to earn your wellness incentive here.

Which programs can help me find the best care?
All associates and their family members can receive free care at the on-site Be Well Health Centers. Learn more about what type of care is provided on the Be Well Health & Fitness Centers page.

In addition to covering in-network preventive care at 100%, Capital One offers the following programs to help you get heathy and stay healthy all year long:

  • Advance Medical – Get information from expert physicians to address your questions or uncertainty around any condition or treatment.
  • Wiser Health – an online tool to help you and your adult dependents make informed decisions about medical care.
  • LiveHealth Online – Talk to a board-certified physician or licensed therapist 24/7 through private and secure video consultations on your smartphone, tablet or computer with a webcam.
  • Castlight – a personalized online health care resource that helps you shop for doctors, prescriptions and medical services.
  • Nurse Programs – Through Anthem, you have access to a variety of nurse support programs, from a 24/7 Nurseline to ConditionCare, which provides you with a dedicated nurse to help you manage chronic conditions.

Visit the Medical page to learn more about these programs and the other resources available to help you live a healthier life.

What's the difference between a Health Care FSA and a Dependent Care FSA?
A Health Care Flexible Spending Account (HCFSA) allows you to contribute pre-tax dollars toward your and your dependents’ eligible health care expenses (even if your dependent is not covered under our medical plan). The Dependent Care Flexible Spending Account (DCFSA) is different—allowing you to contribute pre-tax dollars only for eligible dependent care services such as camp, preschool, or child/adult daycare. The DCFSA is NOT for health expenses.

Do I need to keep my receipts or submit more documentation after using my FSA debit card?
Yes! If Anthem requests additional documentation for your FSA debit card swipes and you don’t provide the documentation as requested your card will be deactivated. Be sure to keep all of your receipts (or statements) for expenses when you use your FSA debit card. Most transactions will approve automatically but if a match isn’t found, Anthem will ask you to provide back-up documentation for a charge up to three times. If you don’t respond, your debit card will be turned off until you provide documentation or repay the claim.

Which dental plan is best if my child needs braces this year?
Go with the Enhanced Dental Plan for orthodontia coverage (including braces, mouth guards, and TMJ disorders for you and your dependents). The plan is 50% co-insurance, with no deductible and a lifetime benefit maximum of $2,500 per person. For more coverage, consider contributing pre-tax dollars to a Health Care Flexible Spending Account (HCFSA).

How do I update my life insurance beneficiaries?
To designate or update your beneficiary(ies), go to the Capital One online enrollment system. Look for the link labeled “Update your beneficiary” from the home page. You are always the beneficiary for dependent life insurance.

Where can I find the COBRA cost for coverage?
Go to the Costs page and click the link for a COBRA Cost of Coverage PDF.

What is a qualified life event (QLE)?
Open enrollment is the one time every year where you can make changes to your benefits, unless you experience a QLE. A QLE is an event, such as marriage, birth of a child, adoption, death and more, that gives you the opportunity to adjust specific parts of your benefits coverage.

More questions?
Don't forget we are here to help. Call the Capital One Benefit Center if you have questions during enrollment at 1-888-376-8836 (options 2, 2, 0) between the hours of 8 a.m. and 8 p.m. ET, Monday-Friday.