Colleagues regularly scheduled to work
30+ hours per week
are eligible for full-time benefits. Your coverage start timeline and medical plan choices depend on your colleague group:
Retail & Distribution Centers
Only Job Levels 6 and Below
Waiting Period:
91st Day of Continuous Employment
Medical Plan Options:
Three (3) Options Available (Informed Choice & Hybrids)
Corporate & Other Groups
Includes Store & Pharmacy Managers, Pharmacists & DC Supervisors & above
Waiting Period:
First Day of the Month Following Hire
Medical Plan Options:
5 Options Available (Includes HSP, Hybrids & Informed Choice)
What's Available When
Annual Enrollment
Medical, Dental & Vision
Flexible Spending Accounts (FSAs)
Disability & Life Insurance
Accident & Critical Illness
Legal & Identity Protection
Anytime During the Year
No-cost confidential counseling
MinuteClinic wellness benefits
Financial coaching
Tuition Assistance Program
Paid parental leave (after 1 year)
*Differences may apply for union colleagues. Refer to your official offer letter for exact terms.
How to Access Your Secure Benefits Portal to Enroll
Choose from three convenient ways to log in to the secure enrollment portal
to review your personalized benefit options, check your rates, and complete
your enrollment:
Option 1: Colleague Zone
(SSO)
If you are connected on the CVS Health network, log in directly via
single sign-on (no login required) through Colleague Zone.
Path:
Colleague Zone > My applications > View all > Benefits >
Your Benefit Coverage
Download the official bswift benefits app on your
mobile device. Your login credentials are the same 7-digit Colleague ID
as the desktop version.
Need additional assistance? Contact the HR Benefits team for support with
your login or credentials.
Qualifying Life Events (QLE)
If you experience a qualifying life change, you may be eligible to update your benefit elections.
Changes must be made within 30 days of the event and must be consistent with your
qualified status change. New elections take effect on the date of the event.
Processed Online via Life Events Page
Log in to the secure enrollment platform, navigate to Life Events,
and select your situation:
For the following specific life events, please contact the
Health and Welfare Benefits Center directly:
Dependent DeathQMCSOAddress Change
Contact the HR Service Center at 888-694-7287. Say 'Health Care' or press 1.
Important Note:
Adding new dependents or processing certain life changes requires supporting
documentation for verification. If you miss the 30-day window, you must wait
until the next Annual Enrollment period.
Any benefit enrollment change you make must be consistent with your qualified status change.
You have 60 days to submit your documentation for approval. If you do not
submit your documentation, your dependent's coverage will be cancelled at the end of the
grace period. New elections will be effective on the date of your qualified status change,
and retroactive payroll deductions (processed as after-tax deductions) may
be withheld. If you do not call or go online within the 60-day period, you must wait until
the next Annual Enrollment period to change your benefits.
Important Tip:
Ensure copies or images of documents are clear and legible.
Black out Social Security Numbers, account numbers, financial information,
or monetary amounts
appearing on the documents. Illegible submissions cannot be processed.
Required Verification Documents by Dependent Type
Dependent Type
Required Documentation Options
Legal Spouse
Government Issued Marriage Certificate AND Federal Tax Return
issued within last 2 years showing “married filing jointly” or “married filing
separately” with spouse’s name indicated (first page only with SSNs and monetary
amounts blacked out) OR Proof of Joint Ownership issued within
last 6 months (mortgage statement, bank statement, credit card statement,
lease agreement, or property tax bill listing both names).
Alternative: Marriage Certificate only (if married within the last 12 months).
Child(ren)
Birth Certificate (including parents’ names)
Adoption Certificate
Legal Guardianship Court Order
If disabled: Must be listed as medically disabled with the medical
carrier and you must provide proof of financial dependency.
Step-Child
Birth Certificate (including parents’ names) AND
proof of marital status as noted for Legal Spouse above.
If disabled: Must be listed as medically disabled with the medical
carrier and you must provide proof of financial dependency.
Grandchild(ren)
Grandchild Affidavit
Birth Certificate for parent of grandchild AND
Birth Certificate for grandchild
Federal Tax Return issued within last 2 years showing child as tax dependent
If disabled: Must be listed as medically disabled with the medical
carrier and you must provide proof of financial dependency.
Domestic Partner
Declaration of Partnership Affidavit AND Proof of Joint Ownership
issued within last 6 months (mortgage statement, bank statement, credit card
statement, lease agreement, or property tax bill listing both names).
Partner's Child
Birth Certificate (including parents’ names), Declaration of Partnership Affidavit,
AND Proof of Joint Ownership issued within last 6 months.
Ready to take action? Log in to the benefits portal to submit your documentation.
To help manage plan costs and encourage healthy behaviors, CVS Health applies
three surcharges under specific conditions. Review the details below for each surcharge:
Tobacco/Nicotine Surcharge
Amount:
$500 annually (per individual) for colleagues and/or spouses/partners
enrolled in a company-sponsored medical plan who use tobacco/nicotine
products 2 or more times per week.
How to Avoid/Remove:
Complete an 8-week free tobacco cessation program through MinuteClinic
or Aetna Lifestyle and Condition Coaching, or submit an approved
Physician Attestation.
Working Spouse/Partner Surcharge
Amount:
$1,800 annually, assessed via equal pretax payroll deductions.
Applicability:
Applies if your working spouse/partner is offered subsidized medical
coverage from their own employer, has access in your home ZIP code,
but chooses not to enroll and instead joins your CVS Health medical plan.
Amount:
$500 annually (per individual) for colleagues and spouses/partners
enrolled in an Aetna medical plan.
How to Avoid/Remove:
Complete an annual preventive care visit (via your PCP, MinuteClinic,
or CVS Health Virtual Primary Care) on or after June 1, 2025.
