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JANUARYAPRILJULYOCTOBERNOVEMBERDECEMBERFEBRUARYMAYAUGUSTMARCHJUNESEPTEMBERen españolRESOURCES TO SUPPORT YOURW E L L B E I N G · B E N E F I T S · F I N A N C E SUse these monthly resources to support your wellbeing, understand your benefits, and manage your finances. See something interesting? You can save the information and/or send it to your spouse, partner, or child. Click on a month to get started.

Share your thoughtsLEARN MORELEARN MORELEARN MOREPreventive care3 reasons to check in with yourdoctorJANUARYBenefits terminology8 words to know about your benefitsplansTax strategies5 key strategies to prepare for theupcoming tax yearWELLBEINGSUPPORT YOURBENEFITSUNDERSTAND YOURFINANCESMANAGE YOUR2 0 2 4next month .

Did you know...?A family doctor, internist, general practitioner, OB/GYN (women), or pediatrician (children) can all serve as your primary care providerdepending on your needs and preferences. Understand your benefitsTip: If available, using providers within thesame medical group or hospital system canhelp you coordinate your health care. Establishing a relationship with a doctor whoknows you, your family history and yourlifestyle can help you stay on top of yourhealth.A primary care provider gets to know what’snormal for you, helping identify when you need additional care before it may be obviousto you.JANUARY 2024SUPPORT YOUR WELLBEINGPREVENTIVE CARE3 reasons to check in with your doctorSave moneyNot all health conditions or medical needs canbe prevented, but research shows that peoplewith a primary care provider relationshipgenerally spend less money on health careand less time in the hospital¹.Better health, lower costs, and less time in thehospital: a win all around.Be proactive about your care Establish a health care “home base”A primary care provider is your place for allthings health care. They can help you identifyany specialists you should see, help you locateadditional care resources, order tests asnecessary, and answer questions.¹ Cleveland Clinic Back to Home Share your thoughts Back to January

Manage your financesBalance billingWhen you use an out-of-network medical or dentalprovider, they may bill you the difference betweenwhat they charge and the amount your insurance pays.Medical: balance billing is in addition to and doesnot count towards your out-of-pocket maximum.CoinsuranceAfter you’ve met your deductible, you’re sometimesresponsible for a percentage of the cost of medical ordental care or prescription medication you received.This percentage is coinsurance.CopayA flat fee you pay each time you receive a copay-eligible medical, dental, or vision service orprescription medication. Support your wellbeingJANUARY 2024UNDERSTAND YOUR BENEFITSBENEFITS TERMINOLOGY8 words to know about your benefits plansDeductibleThe amount you’re responsible for paying in careexpenses before your plan starts paying deductible-eligible expenses.In-networkIn-network care is always your lowest-cost option.Networks are groups of medical, dental, and visionproviders, pharmacies, and facilities that agree todiscount the cost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medicalcare and prescription drugs in a year. This includesyour deductible, coinsurance, and copays.The out-of-pocket maximum does not include yourpremium (what you pay for the plan), non-coveredexpenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) is your main medicaldoctor – usually a general practitioner (GP), familydoctor, internist, OB/GYN, or pediatrician (forchildren).Referral/pre-authorizationSome specialty medical providers and services requirea referral from a primary doctor. These may include - but are not limited to - cardiology,psychiatry, orthopedic surgeons, rheumatology,surgery, and imaging (CT or MRI). Back to Home Share your thoughts Back to January

Understand your benefitsRegister now See the recordingTuesday, January 92pm CentralThis webinar will be recorded.(Available after January 9)JANUARY 2024MANAGE YOUR FINANCESTAX STRATEGIES5 key strategies to prepare for the upcoming tax yearDiscover five key strategies you can use to makethe most of your 2024 tax planning. Learn valuable insights to help you prepare for theupcoming tax year in this free webinar.5 things you can do to be moretax efficient this year Back to Home Share your thoughts Back to January

LEARN MORELEARN MORELEARN MOREHeart Health3 surprising ways to show your heartsome loveFEBRUARYHSA 1017 things to know about a HealthSavings AccountRetirement plansLearn about the basics of retirementaccount options2 0 2 4Share your thoughtsFINANCESMANAGE YOURBENEFITSUNDERSTAND YOURWELLBEINGSUPPORT YOURnext month . prior month

SUPPORT YOUR WELLBEINGHEART HEALTH3 surprising ways to show your heart some loveCare for your smileBrushing and flossing daily can help preventgum disease. What does this have to do withyour heart? Studies have shown that bacteria caused bygum disease can cause inflammation in thebloodstream, increasing your risk for heartdisease. So when you brush and floss - andget regular dental cleanings - you’re caring formore than just your smile.Get enough sleepQuality sleep is important, yet many peopleneed help getting the recommended 6-8hours a night.Along with your mood and bags under youreyes, poor sleep can affect your bloodpressure, circulation, inflammation, and more -which can all impact your heart.Consider seeing your doctor if you’re unableto fall or stay asleep, if you notice loudsnoring, and/or wake up with an “off” feelingin your chest - these may involve your heart!Stand upSitting for too long is bad for your health,even if you exercise regularly. When you’ll be sitting for long periods oftime, even at work or on a plane, make aneffort to stand up and move around. One way to move more can be a walk aroundthe block between episodes of your favoriteshow. Or, commit to taking a phone call fromyour kitchen counter where you can stand.Your heart and body will thank you.Understand your benefitsFEBRUARY 2024Heart health is a hot topic, and for good reason! Your heart pumps blood that provides your body with the nutrients and oxygen it needs to function. Keeping your hearthealthy involves more than eating a balanced diet and getting exercise. Here are three surprising ways to support your heart health.Source: Cleveland Clinic Source: Cleveland Clinic Source: Cleveland Clinic Back to Home Share your thoughts Back to February

Manage your financesSupport your wellbeingA Health Savings Account (HSA) comeswith a High Deductible Health Plan (HDHP)- a certain type of medical plan¹.See moreAn HSA allows you to save pre-tax dollarsfor health care expenses, which can loweryour taxable income.See moreYou choose when to spend money fromyour HSA on health expenses and when tolet your balance grow.See moreYour HSA balance never expires, so youcan plan to save for your future needs - likeretirement.See moreAn HSA can work with your otherretirement accounts to make sure yourneeds are fully covered.See moreHSA funds earn interest and grow tax-free. Investment options are often availableto grow your funds even more.See moreYou can use your HSA funds in retirementfor general living and health care expenses.See moreSee moreHEALTH SAVINGS ACCOUNTS 1017 things to know about a Health Savings AccountUNDERSTAND YOUR BENEFITSFEBRUARY 2024A Health Savings Account (HSA) can help yousave for today - and tomorrow.¹ IRS eligibility rules apply. Back to Home Share your thoughts Back to February

FEBRUARY 2024MANAGE YOUR FINANCESRETIREMENT PLANSLearn about the basics of retirement account optionsUnderstand your benefitsLet’s look at your workplace retirement plan.We’ll discuss the basics of retirement accounts,how much you can save, and available options - allto help you gain a deeper understanding of yourretirement plan. Register now See the recordingTuesday, February 132pm CentralThis webinar will be recorded.A comprehensive guide tounderstanding your retirementplan (Available after February 13)Investment advice offered through OneDigital Investment Advisors LLC, an SEC-registered investment adviser and wholly-owned subsidiary of OneDigital. Back to Home Share your thoughts Back to February

LEARN MORELEARN MORELEARN MOREColon cancer3 things to know about colon cancerscreeningsMARCHWELLBEINGSUPPORT YOURBENEFITSUNDERSTAND YOURFINANCESMANAGE YOURVirtual health care3 reasons to give virtual health care atryEstate planning 101What to know about wills, trusts,powers of attorney, and more2 0 2 4Share your thoughts prior monthnext month .

SUPPORT YOUR WELLBEINGCOLON CANCER3 things to know about colon cancer screeningsTime matters.Colon cancer often doesn’t have noticeablesymptoms until more advanced stages. Earlier detection, made possible by regularscreening, greatly improves the chances ofsuccessful treatment. When caught early, research shows that 90%of patients survive 5 years post-diagnosis.However, only 15% of patients survive 5 yearswhen the cancer has already spread ².Regular screenings lead to earlier diagnoses,leading to longer and healthier lives.Screening options exist.Although studies show that a colonoscopy isthe “gold standard” for prevention ³, a less-invasive sigmoidoscopy or stool test may alsobe a good option depending on your riskfactors. Your doctor can help you determine whichscreening is best for you.Understand your benefits¹ Yale MedicineMARCH 2024Cases are increasing among youngerpeople.Colon cancer rates in Americans under age 55doubled between 1995 and 2019 ¹. In 2021, the US Preventive Services Task forcelowered the recommended colon cancerscreening age to 45 instead of age 50. Due tothis change, many insurance companies nowcover preventive colon cancer screeningsstarting at age 45. If you or someone you love is 45 or older, it’stime to get screened. Talk to your doctor toget started. ³ Cancer.gov² Cancer.gov SEER statistics Back to Home Share your thoughts Back to March

Manage your financesSupport your wellbeingUNDERSTAND YOUR BENEFITSVIRTUAL HEALTH CARE3 reasons to give virtual health care a tryMARCH 2024Take advantage of a variety of care and services.Quicker care, often for a lower cost.When appropriate, virtual care can help youget care on your schedule without dealingwith germs, a waiting room, or traffic. It’sgreat for regular check-ins and follow-ups, oreven mental health care visits. Even better, virtual care may be a lessexpensive option than in-person visits. Top-notch care is often available whenand where you need it.Virtual care is a health care visit through asecure telephone or video call. Accessing care:Many doctors offer virtual visits.Your medical plan might include access toa virtual care (or telehealth) provider.Many virtual care services can be foundwith a quick Google search. Virtual care is often available extended hoursand weekends, especially for everyday medicalneeds. Specific services can vary, but virtual care isoften available for:Non-emergency medical needs (sorethroat or fever, UTI, allergies)Therapy and mental health carePsychiatry (medication management) DermatologyProviders can also prescribe appropriatemedications in many cases, saving you a tripto the doctor’s office.Virtual care is convenient, high-quality care,but it isn’t appropriate for all needs. Life-threatening conditions, severe injuries(breaks, burns, or cuts), and other immediateneeds should still be seen at the appropriatein-person facility (doctor, urgent care, oremergency room). Back to Home Share your thoughts Back to March

MARCH 2024MANAGE YOUR FINANCESESTATE PLANNING 101What to know about wills, trusts, powers of attorney, and moreUnderstand your benefitsAre you ready to safeguard your legacy throughstrategic estate planning? In this informative session, we’ll share helpful tips on creating a comprehensive estateplan tailored to your unique needs and goals. You’ll learn about essential estate planning toolsincluding wills, trusts, and power of attorney. Plus,learn how to protect your assets and ensure asmooth transfer to your loved ones. Register now See the recordingTuesday, March 192pm CentralThis webinar will be recorded.Protecting your legacy throughproper estate planning(Available after March 19) Back to Home Share your thoughts Back to March

Share your thoughtsLEARN MORELEARN MORELEARN MOREnext month .APRILWELLBEINGSUPPORT YOURBENEFITSUNDERSTAND YOURFINANCESMANAGE YOUR2 0 2 4Mental health literacy4 things to know about mental healthWhere to get careUnderstand your optionsDitch debt for goodLearn how to break the cycle prior month

Back to Home Share your thoughts Back to AprilMENTAL ILLNESS IS COMMONMental health literacy refers to our understanding of how to maintain positive mental health, which includes having knowledge of common mentaldisorders, recognizing common risk factors, and knowing how to seek support¹. Having mental health literacy contributes to better mental health forourselves and our communities. Here are four things to know about mental health that may increase your mental health literacy today: APRIL 2024SUPPORT YOUR WELLBEINGMENTAL HEALTH LITERACY4 things to know about mental healthEVERY PERSON HASMENTAL HEALTHEvery individual must manage theirmental health, every day. Mental healthencompasses how we think, how wefeel, and how we act. For example,managing stress well is an importantpart of managing mental health. Half of the individuals in the UnitedStates will be diagnosed with a mentaldisorder at some point in their life². When we understand how commonmental illness is, we can work todecrease the stigma surrounding it. It is likely we all know someone with amental health disorder; knowing theways to support those individuals aswell as ourselves is extremely valuable. MENTAL AND PHYSICALHEALTH ARE CONNECTED PREVENTION IS POSSIBLE There is a positive association betweenstrong mental health and physicalhealth. Support your total wellbeing bymaintaining a balanced diet, socializingwith friends and family, exercisingregularly, and avoiding substance use. While mental disorders are common,there are multiple ways to prevent theirdevelopment and progression. Engagein primary prevention througheducation, getting enough sleep,staying active, socializing with others,and practicing mindfulness¹. Practicesecondary prevention by screening andreceiving help early.Understand your benefitsSource: CDC; Healthy People 2030; Psychiatry Online

Share your thoughtsTelehealth / virtual careLOWER SEVERITYUrgent care / walk-in clinicMODERATE SEVERITYEmergency room (ER)HIGH SEVERITYAPRIL 2024UNDERSTAND YOUR BENEFITSWHERE TO GET CAREUnderstand your optionsWhen you need health care and can’t see your primary doctor, do you know how to choose the best option for you or your family? Here are someguidelines when considering where to get care.Cold or fluEaracheFever (under 104° F for most people)Seasonal allergiesMinor skin conditions (rash, etc.)Sore throatUrinary tract infectionsBack or muscle painBroken bones (not through the skin)Bronchitis, seasonal allergies, or fluCuts and minor burnsDiarrhea or vomitingSkin conditionsSprains or joint painUrinary tract infectionsBroken bone through the skinChest pain or pressure/heart attackHead injuries, seizures, sudden paralysis, lossof consciousnessHigh fever (104° F or higher)Pneumonia or shortness of breathSevere abdominal painUncontrolled bleedingMany are available 24/7; get seen quicklyLower cost per visitAvailable from your phone or computerMany have evening & weekend hoursOften fairly short wait timesModerate cost per visitOften open 24/7/365May not be attached to a hospital; look for ared EMERGENCY signHighest cost; can have long wait times Back to Home Back to AprilManage your financesSupport your wellbeing

Understand your benefitsRegister now See the recordingTuesday, April 92pm CentralThis webinar will be recorded.(Available after April 9)APRIL 2024MANAGE YOUR FINANCESDITCH DEBT FOR GOODLearn how to break the cycleConsumer debt can be, well, consuming. It can beeasy to feel like you’re in way too deep. In this session, we’ll share some practical strategiesto help you break the cycle and secure long-termfinancial stability. We’ll cover credit card debt,budgeting techniques, debt consolidation options,and smart borrowing practices to support yourjourney towards a debt-free future.Ditch debt for good.Learn how to break the cycleInvestment advice offered through OneDigital Investment Advisors LLC, an SEC-registered investment adviser and wholly-owned subsidiary of OneDigital. Back to Home Back to April Share your thoughts

LEARN MORELEARN MORELEARN MORETable topics3 questions to ask your child, pre-teen, or teen at dinner tonightMAYHSA vs. HRA vs. FSAWhat to know about pre-tax healthcare accountsHome & auto insuranceUnderstanding what your home &auto insurance covers (and might not)2 0 2 4FINANCESMANAGE YOURBENEFITSUNDERSTAND YOURWELLBEINGSUPPORT YOURnext month . prior month Share your thoughts

SUPPORT YOUR WELLBEINGTABLE TOPICSQuestions to ask your child, pre-teen, and teen at dinner tonightMAY 2024Children (under age 10)Meaningful conversations and connections with younger people are so important. However, today’s digital world adds a new set of challenges that can be tough to navigate.Here are some open-ended, developmentally appropriate questions to get you started. Remind yourself to be curious and non-judgemental during your conversation.rWhat’s something you’re good at? Helping kidsidentify something they’re good at is a great way toboost their self-esteem.Would you rather be super big, like an elephant,or super small, like an ant? Why? Askingfantastical questions helps support your child’simagination. What is something that makes you sad? Askingabout feelings can help encourage self-awarenessand normalize everyday experiences. What is something that makes you feel proud ofyourself? Reflecting on a point of pride—whether itinvolves a skill, a successful project or a personalattribute can help build confidence.What is something you have learned recently?Helping kids to recall and share can aid in boostingcommunication skills and articulation. What qualities do you look for in friends? Encouraging critical thinking promotes self-awareness. Asking about qualities encouragesmaking good choices.How do you handle tough situations? Normalizingchallenges and talking through how to managedifficult emotions reduces shame and promoteshealthy problem-solving.What is something you are grateful for? Focusingon gratitude promotes positivity and helps buildempathy for others as well as resilience. What advice would you give someone else?Asking for a teen's perspective sends the messagethat they are trusted to have their own opinionsand have a valuable perspective to share. Pre-teens (10-12) Teens (13 and up) Share your thoughts Back to May Back to HomeUnderstand your benefits

Health Savings Account (HSA)Health Reimbursement Arrangement (HRA)Flexible Spending Account (FSA)ContributionsYou contribute pre-tax funds from each paycheck. Learn moreYour employer makes contributions on your behalf;you are not able to contribute to an HRA.You contribute pre-tax funds from each paycheck.Eligible expensesCurrent and future medical, dental, vision, andprescription expenses Eligible expenses vary, but typically include medicaland prescription costs for the current year.Full health care: medical, dental, vision,prescription expenses for this yearLimited purpose (HSA-compatible): dental &vision expenses onlyLeftover funds atthe end of the yearHSA funds never expire - and you can use them inretirement! Depending on your plan, you may be able to roll overunused funds to the following year.Depending on your plan, you may be able to roll overunused funds to the following year.EligibilityYou must be enrolled in a qualifying high deductiblehealth plan (HDHP) and you cannot have any othernon-HDHP health coverage.You must be enrolled in your employer’s HRA medicalplan. The HRA comes with the medical plan andcannot be separated.Can be paired with any medical plan (or no medicalplan) - BUT you cannot have a full health care FSAand contribute to an HSA at the same time.HSA, HRA, AND FSAWhat to know about pre-tax health care accountsUNDERSTAND YOUR BENEFITSMAY 2024Pre-tax accounts are a great way to pay for health care expenses with tax-free dollars, but they’re not all created equally. Here’s a general overview:The materials and the information provided are not designed or intended to be applicable to any person’s individual circumstances. These statements do notconstitute an offer or solicitation in any jurisdiction. All included information and data are limited only to the inputs and other financial assumptions indicated. Share your thoughts Back to May Back to HomeManage your financesSupport your wellbeing

MAY 2024MANAGE YOUR FINANCESHOME & AUTO INSURANCEUnderstanding what your home & auto insurance covers (and might not)Understand your benefitsYour home and car are probably among yourbiggest purchases, but insuring them can beconfusing. In this session, we’ll demystify what home and autoinsurance covers - and may not cover - to help youmake the best coverage decisions possible. Register now See the recordingTuesday, May 142pm CentralThis webinar will be recorded.Understanding what your home &auto insurance covers (and mightnot)(Available after May 14) Back to MayInvestment advice offered through OneDigital Investment Advisors LLC, an SEC-registered investment adviser and wholly-owned subsidiary of OneDigital. Share your thoughts Back to Home

LEARN MORELEARN MORELEARN MOREMen’s healthMales: 3 screenings to ask yourdoctor about JUNEWELLBEINGSUPPORT YOURBENEFITSUNDERSTAND YOURFINANCESMANAGE YOURDisability insurance3 ways disability insurance protectsyour income Ask a Financial PlannerA unique opportunity to ask yourmost pressing questions2 0 2 4 prior month Share your thoughts

SUPPORT YOUR WELLBEINGPROGRESS OVER PERFECTIONMales: 3 screenings to ask your doctor aboutBlood Pressure Screening Blood pressure is the measure of force thatyour blood uses to move through yourarteries. Getting your blood pressure checkedat regular intervals is important to prevent thedevelopment of serious health problems likecardiovascular disease. Create a screeningschedule with your physician and maintain arecord of the readings to keep track ofabnormalities⁴.90% of colorectal cancer can be preventedthrough regular screenings ⁵. Adequatescreenings—such as a colonoscopy can helpwith early detection. Be sure to check therecommended age and screening intervals forgetting screened.JUNE 2024Prostate cancer is the most prevalent cancerdiagnosis among men, affectingapproximately 1 in 8.3 Primary risk factorsinclude: age; race/ethnicity; genetics; familyhistory; diet; as well as many others.Talk to your physician about whether theyrecommend a prostate-specific antigen bloodtest or a digital rectal exam to ensure yourprostate is healthy. Studies show that men are less likely to visit the doctor, which can substantially affect their health.² Clear communication with one’s doctor and regular preventive health screenings canhelp lower health risks and detect diseases early. Along with regular physical exams, discuss your family’s health history with your doctor so that they can recommend appropriatescreenings. Ask about these screenings at your next healthcare appointment: Prostate Cancer Screening Colorectal Cancer Screening Learn more about colon cancer screenings Share your thoughts Back to Home Back to JuneUnderstand your benefits

UNDERSTAND YOUR BENEFITSDISABILITY INSURANCE3 ways disability insurance protects your incomeJUNE 2024Peace of mind76% of Americans report feeling stressed overfinancial worries. Stress and lost sleep don’thelp you get better when you’re sick or injured. Disabilities - whether temporary or permanent -can happen to anyone. That’s why manyinsurance professionals consider disabilitycoverage as the most important benefit forfinancial stability behind medical insurance.Not only can it help protect your finances, itcan help protect your peace of mind also.Financial security in the short-termShort-term disability (STD) coverage helps youpay the bills if you’re unable to work due tosurgery, pregnancy, an illness, or an off-the-jobaccident. Benefits are often paid on a weekly basis as apercentage of your income. You can use themoney for whatever you need - mortgage orrent, groceries, car payments, and more. Short-term disability coverage helps you stayfinancially afloat so you can focus on gettingbetter. Longer-term needsLong-term disability coverage can providecontinued financial support if you’re not able toreturn to work. Benefits are often paid on a monthly basis as apercentage of your income. Like short-termcoverage, you can use the money for whateveryou need. As a note - if you’re on long-term disability, youmight also be required to apply for SocialSecurity Disability Insurance (SSDI) and/orMedicare. Share your thoughts Back to Home Back to JuneManage your financesSupport your wellbeing

JUNE 2024MANAGE YOUR FINANCESASK A FINANCIAL PLANNERA unique opportunity to get answers to your most pressing questions!Understand your benefitsHow much should I be saving for retirement?What’s a good way to pay off my debt? How do I save for my child’s college?Bring your questions and join financialprofessionals Mindee Kissinger and Keith Huberas they answer your questions in this special “AskMe Anything” edition of Financial Academy.Register now See the recordingTuesday, June 112pm CentralThis webinar will be recorded.I’m a Financial Planner, ask me anything!(Available after June 11) Back to Home Back to JuneInvestment advice offered through OneDigital Investment Advisors LLC, an SEC-registered investment adviser and wholly-owned subsidiary of OneDigital.The materials and the information provided are for informational and educational purposes only and not designed or intended to be applicable to any person’s individual circumstances. These statements do not constitute an offer orsolicitation in any jurisdiction. For questions regarding your individual circumstances, please consult your financial professional Share your thoughts