Citi Benefits Handbook
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 Virgin Pulse, include supportive online programs and tools that can help you achieve your wellness goals.
Virgin Pulse provides access to great programs like:
  • Phone coaching
  • My Care Checklist
  • Health Assessment
  • Journeys® Digital Coaching
  • Healthy Habit and Activity Tracking – you can sync a device or app for automatic tracking
  • Tobacco cessation.
You'll also get programs, challenges and features that give you the choice, support and flexibility you need to reach your wellness goals like:
  • Incentive Opportunities: Access the many new activities offered by Virgin Pulse to earn rewards daily, weekly, and even monthly for things you do every day, like walking, working out, tracking calories and even sleeping!
  • Daily Cards: Complete your cards every day and get quick tips that are personalized to your specific goals.
  • Challenges: Participate in Personal Healthy Habit Challenges, Personal Step Challenges and Team Challenges. Set up challenges for yourself or gather a small group of team members or friends, and start your own group challenge whenever you want!
  • Rewards Options: Redeem your wellness rewards through an expanded list of gift card options or donate your earned dollars to charities.
Use the Virgin Pulse best-in-class app to customize your wellness activities to meet your individual interests and health goals. Sync your phone or tracking device and receive daily alerts and tips to help you complete your activities and earn incentives when and wherever it works for you.
Visit the Live Well at Citi page for more details on how to register, download the app and earn rewards through healthy activities.
Live Well Tobacco Cessation Program
The Live Well Tobacco Cessation Program is available to active, benefits eligible employees. You do not need to be enrolled in a medical plan offered by Citi to participate. Spouses/partners may also participate in the Live Well Tobacco Cessation Program, but only if they are enrolled in a medical plan offered by Citi. .
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 Virgin Pulse platform or call Virgin Pulse at 1 (855) 814-5595.
You can also complete a Journeys®, digital coaching focused on quitting tobacco use. (See below.)
Tobacco Attestation
If you and your spouse/partner are enrolled in Citi medical coverage during Annual Enrollment in 2023, you will have the opportunity to complete the Tobacco 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 Attestation before your enrollment deadline, you and your covered spouse/partner will each pay a $600 annual penalty on your health care coverage in 2024.
If you participate in the Live Well Tobacco Cessation Program in 2024 and you're paying the tobacco penalty, these payments will stop once you complete the Live Well Tobacco Cessation Program through Virgin Pulse (within one to two pay cycles of program completion). You will also receive a refund of the tobacco penalty payments that were made before you completed the Tobacco Cessation Program.
Note: If you are age 18 or over and are enrolled in the Citi medical coverage, you may be eligible to receive generic over-the-counter and generic prescription drugs, or Chantix smoking cessation products at no cost to you.
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 2024.
Journeys® Digital Coaching
Digital coaching tools 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. The digital coaching tools can be accessed over the web or via your mobile device.
Want to exercise more? Better manage a health issue? You can use our digital coaching tool, Journeys, to make simple changes to your health, one small step at a time. You will earn Pulse Points when you complete a journey step and finish a whole journey.
Connect a Fitness Tracker
Sign up for a Virgin Pulse account online at or download the Virgin Pulse app to your Apple or Android smartphone. Connect your phone or a fitness tracker to get credit for your steps, active minutes and sleep. You can sync many devices and apps (Apple Watch, Fitbit, Apple Health, Google Health, etc.)
Health Coaching
Virgin Pulse 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.
Included Health: Expert Guidance. Expert Care.
You don't have to be enrolled in Citi medical coverage to use this free service. Included Health 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, Included Health will assist you with such decisions. Included Health works with top doctors and specialists across the country and identifies the highest quality physicians for your unique needs. You can find a high quality, in-network provider anytime, day or night, through the Included Health app.
Use Included Health 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 Just follow the instructions for registering. You will earn Pulse Points (one guidance reward per program year) for engaging in an Expert Medical Opinion and a reward for registering with Included Health
My Care Checklist
Keeping up with preventive care means fewer sick days, feeling your best and stopping costly conditions before they start. My Care Checklist is an easy way to keep track of your personal information and healthcare history and remind you when you are due for well visits, routine screenings and vaccinations.
Sleepio is an online sleep improvement program proven to help you clear your mind, improve your sleep, and have better days. Sleepio's customized six-week program includes 20-minute sessions that guide you, step by step, through evidence-based methods to help quiet your racing mind, reshape behaviors, and get better sleep.
Sleepio has been rigorously studied for safety and efficacy. In 13 randomized controlled trials with over 7,900 people, Sleepio helped 54% of participants fall asleep faster, and 62% spend less time awake at night. In addition, 45% reported better functioning the next day.
This service is free to all Citi employees, regardless of whether you are enrolled in a Citi medical plan. However, your spouse/partner must be enrolled in a Citi medical plan to utilize Sleepio's services. Learn more about Sleepio online at, or email your questions to Sleepio customer service at
Transform Diabetes Care
If you and your family are enrolled in a Citi medical plan and you or a family member has diabetes, you may be invited to participate in CVS's Transform Diabetes Care program. The program offers highly individualized support to help three key components:
  • Blood glucose control through a connected blood glucose meter. A trained professional will follow-up with you if you have an out-of-range reading. Your results and a health summary report can be shared with your health care providers. ;
  • Medication management including one-on-one counseling with a CVS pharmacist, notifications to your health care provider about gaps in your therapy and how to resolve the problem and medication management support tools; and
  • Condition management including coaching with Certified Diabetes Educator, MinuteClinic diabetes preventive monitoring visits with results logged into your electronic health record, personalized educational tips and motivational messages integrated into your blood glucose meter and actionable health messaging delivered on your prescription bag label.
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.
Fertility Support
WINFertility offers industry leading fertility management services to help Anthem members receive the highest quality care and personal support along their fertility journey. If you're enrolled in an Anthem medical plan, you or your Anthem-enrolled spouse/partner can register with WINFertility to earn Pulse Points (one reward per program year).
Download the Anthem Engage App
The Anthem Engage app can help you take charge of your health and well-being. For example, you can check what is covered under your medical plan and how much services will cost to help you make more confident health care decisions. If you are enrolled in Citi's Anthem medical plan and registering your online account for the first time, be sure to register on the Engage app to earn Pulse Points.
Chronic Condition Management Programs
The Live Well Chronic Condition Management Program can help you manage a chronic condition, such as heart disease or diabetes. If you are invited to participate, you will work with a nurse from your medical plan and also earn Pulse Points up to once per program year (must be enrolled in Citi's Anthem or Aetna plan).
Maternity Care Management
Having support during your pregnancy can help provide a healthy start for both you and your baby. If you're enrolled in an Aetna or Anthem medical plan, complete a risk survey (Aetna) or an initial risk assessment (Anthem) and earn Pulse Points.
Take Advantage of Telehealth
Telehealth allows you to speak by phone or video with a board-certified doctor 24/7 for a diagnosis on minor, short-term issues, such as a fever or the flu. If you are enrolled in an Aetna or Anthem medical plan, visit the Teladoc website (Aetna) or LiveHealthOnline website (Anthem) to register for telehealth today. You'll earn Pulse Points when you register and when you complete a telehealth session (one session reward per program year).