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2025 - 2026OPEN ENROLLMENTBENEFITS BOOKLET

Mid-Year Benefits ChangesWhat’s Changing for 2025?Open enrollment gives youthe opportunity to: Change plansEnroll in benefitsCancel benefitsAdd or remove dependents to your benefitsEligible dependents are your legal spouseand dependent childrenOutside of your annual open enrollment period, youmay be eligible to make certain benefits changes duringthe middle of the plan year. Please refer to yourSummary Plan Descriptions (SPDs) for specifics, butexamples of when you might be able to make mid-yearchanges are:Marriage or divorceBirth, death, or adoptionChange in eligibility statusPlease make sure you contact HR and providedocumentation of the qualifying event before makingany changes.Carolyn VannTel.: 1.404.846.3587cvann@onedigital.comHeide CoffeltTel.: 1.404.846.3185heide.coffelt@onedigital.comContact your Client Advocates! Heide Coffeltand Carolyn Vann at OneDigital are on call toassist you with any benefits and claimsquestions or concerns. Need help understanding your benefits?Have questions regarding a claim or bill?Call or email Heide Coffelt and Carolyn Vannfor swift and confidential assistance.Rate Changes: Medical rates are slightly increasing tohelp manage the rising healthcare costs.New Benefit: Whole Life Insurance Policy withAccelerated Death Benefit RiderNeed Help?WELCOME TO BERRY COLLEGE’S2025-2026 OPEN ENROLLMENT!2

TERMS TO KNOW COPAYPREMIUMDEDUCTIBLEIN-NETWORKCOINSURANCEOUT-OF-NETWORKPOINT OF SERVICE (POS) PLANPRIMARY CARE PROVIDER (PCP)HIGH DEDUCTIBLE HEALTH PLAN The amount you pay for a health plan in exchange forcoverage. Health plans with higher deductiblestypically have lower premiums. The amount or percentage that you pay for certaincovered health care services under your health plan. Thisis typically the amount paid after a deductible is met andcan vary based on the plan design.A flat fee that you pay toward the cost of coveredmedical services. The amount can vary by the type ofservice.A specific dollar amount you pay out-of-pocket beforeyour benefits covered by your insurance plan. Undersome plans, the deductible is waived for certainservices. Healthcare physicians or facilities that are in yourinsurance plan’s network. When you receive in-networkcare, your savings and coverage will be greater thanusing out-of- network services!When selecting care, members should try to avoid out-of- network providers or facilities since the costs of carecan be high. This is because out-of-network physiciansand facilities do not have a contract with your healthinsurance plan provider. A Point of Service (POS) Medical plan gives membersaccess to a vast network of doctors and hospitals andprovides coverage for preventive care, doctor visits,hospital stays, and other services you may needthroughout the year. Members can take advantage ofcost savings by seeking in-network care.A health plan whose deductibles cannot be below theIRS minimum limits to allow participants to contributeto a Health Savings Account. The monthly premium isusually lower than traditional PPO plans, but you donot have the convenience of copays and may paymore out of pocket for health care services before theinsurance company starts to pay its share (yourdeductible). A high deductible plan (HDHP) can becombined with a health savings account (HSA),allowing you to pay for certain medical expenses withmoney free from federal taxes.A primary care provider, also known as a primary doctor,is your main health care provider in non-emergencysituations since appointments are required. Your PCPtypically provides you with medical care throughout yourlife, helping you stay healthy, manage your care, andrecommend trusted specialists when needed.3

Medical - AnthemGold - HMOSilver - POSHDHP with HSABenefitsIn-NetworkIn-NetworkOut-of-NetworkIn-NetworkOut-of-NetworkCalendar Year Deductible- Individual- Family$500$1,000$500$1,000$300$900$3,300$6,600$7,800$15,600Coinsurance (Member pays)0%20%40%0%50%Out-of-Pocket Calendar Year Maximum (Including Deductible and Office Visit Copays)- Individual - Family$1,000$3,000$1,000$3,000$2,000$6,000$3,300$6,600$10,800$32,400Lifetime Benefit MaximumUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedCovered ServicesOffice Visits- Preventive Care- Primary Care Physician- Specialist100% Covered$25 Copay$30 Copay100% Covered$25 Copay$30 Copay30% after Deductible40% after Deductible40% after Deductible100% CoveredDeductibleDeductible50% after Deductible50% after Deductible50% after DeductibleEmergency Medical CareEmergency Room(Waived if Admitted)$75 CopayDeductibleDeductibleDeductibleDeductibleHospital Services (Amount Anthem covers after you have met your deductible)Inpatient Services100% after Deductible80% after Deductible60% after DeductibleDeductible50% after DeductibleOutpatient Services100% after Deductible($100 Facility Copay)80% after Deductible60% after DeductibleDeductible50% after DeductibleRatesGold - HMOSilver - POSHDHP with HSAMonthlyBi-WeeklyMonthlyBi-WeeklyMonthlyBi-WeeklyEmployee Only$109.72$50.64$0.00$0.00$0.00$0.00Employee + Spouse$1,098.08$506.81$955.38$440.95$486.11$224.36Employee + Child(ren)$674.48$311.30$546.27$252.12$194.46$89.75Family$1,765.97$815.06$1,600.89$738.87$931.71$430.02If so, each of your family members would also be subject to theindividual deductible; however, if the family accumulates to thefamily deductible, no further deductible is required by anyfamily member. Likewise, each family member would becovered 100% if they reach the individual out-of-pocketmaximum; however, if the family accumulates to the family out-of-pocket maximum, no further family members are subject toexpenses.Your medical plans will be offered through Anthem for the2025-2026 plan year. Please review your plan summaries orSBCs for full plan details.While you may encounter urgent issues,they are not always life-threatening. In thesecases, you can save both time and moneyby visiting an urgent care center or usingthe Anthem telemedicine benefit instead ofthe emergency room! Search the Anthemnetwork for convenient urgent care centersaround your home or office, and registerwith the Anthem telemedicine vendorstoday!Will You be Covering Family Members on YourMedical Plan?SPOTLIGHT ONURGENT CARE &TELEMEDICINEIs your medical issuea true emergency?MEDICAL ANTHEM4

Anthem HDHP with HSA Plan(In-Network)First, you will pay 100% of the cost of your prescriptions untilyou meet your calendar year medical deductible.Then, you are subject to the membercoinsurance for any future prescriptions.Tier 1 - DeductibleTier 2 - DeductibleTier 3 - DeductibleIf your total plan expenses (Deductible + Coinsurance)accumulate to the out-of-pocket maximum, you are 100%covered for the rest of the year.Anthem Gold - HMO and Silver - POS Plans(In-Network)First, you pay a prescriptioncopay each monthTier 1 - $10 CopayTier 2 - $25 CopayTier 3 - $50 CopayIf your total plan expenses (Copays + Deductible +Coinsurance) accumulate to the out-of-pocket maximum,you are 100% covered for the rest of the year.5YOUR PRESCRIPTION COVERAGEAll of your Anthem medical plans include prescriptioncoverage. The medical plans are paired with ProAct forprescription coverage, so you will have a separatepharmacy card. The coverage amount varies based onyour plan selection.Generic medications are a safe and easy way to save onhealthcare. Generics use the same active ingredients andhave the same effectiveness as name-brand medications,but at a fraction of the cost!If so, take advantage of Anthem andProAct’s mail order program! Filling yourprescriptions in a 90-day supply may helpyou stay healthy because having a 90-daysupply of your medication on hand typicallymeans you’re less likely to miss a dose. Italso means you can make fewer visits to thepharmacy to refill your medication, anddepending on your plan, you may be ableto save money by filling your prescriptions90 days at a time.Be a Savvy Consumer: Choose Generic DrugsSPOTLIGHT ONMAIL ORDERDo you take prescription medications onan ongoing, daily basis?SAMPLE CARD

If you are age 65 or older and enrolled in Medicare.If you have health coverage under another medical planthat is not a high deductible plan.If you or your spouse has a Full-Purpose FSA, you canstill enroll in the High Deductible Health Plan, but neitheryou nor Berry College can contribute money to the HSA.Employee Only Coverage: $4,300 per calendar year.Employee Plus Dependent Coverage: $8,550 percalendar year.If you are 55 or older, you can make an additional annualcatch-up contribution of $1,000.Please be aware that the contribution maximums listed above include any employer contribution. You must subtract the Berry College HSA contribution to determine the maximum amount you can contribute as an employee.YouYou will also receive a contribution from Berry College tohelp grow your balance faster. Berry College contributesup to $200 per month to your account.A Health Saving Account (HSA) is a way to save pre-tax dollarsthat can be used to pay for qualified health care expenses likedeductibles, copays, coinsurance, prescriptions, vision, anddental expenses. The funds can be taken out via payrolldeductions and deposited into the account for future use. Tocontribute to an HSA, you must be enrolled in Berry College’s High Deductible Health Plan.Who Contributes to an HSA?Who Cannot Contribute to an HSA?How Much Can I Contribute to an HSA? SPOTLIGHT ONHSA TAXBENEFITS6HEALTH SAVINGSACCOUNT (HSA)HEALTH EQUITYDid you know your HSA provides triple tax benefits? All HSAcontributions are made pre-tax,qualified healthcare expenses are nottaxable, and any interest you mayaccumulate on the account is tax-free!

Who can participate? Employees enrolled in the companyHDHP plan or another HDHP plan. 2025 ContributionLimits: Employees can contribute a minimum of $500 and amaximum of $3,300 per plan year. What can these funds bespent on? Qualified vision or dental expenses, not medical. Who can participate? Any employee not contributing to aHealth Savings Account (HSA). 2025 Contribution Limits:Employees can contribute a minimum of $500 and amaximum of $3,300 per plan year. What can these funds bespent on? Eligible medical, dental, and vision expenses. Who can participate? Any employee.2025 Contribution Limits: Employees can contribute up to $5,000 per plan year. These funds accumulate throughout the plan year.What can these funds be spent on? Qualified dependent care expenses like preschool, daycare, summer day camp, and child or adult day care. What happens at the end of the year? Any leftover funds will be lost.Want to save money on taxes? Flexible Spending Accounts canhelp accomplish that! FSAs offer opportunities to pay foreligible out-of-pocket health care and dependent care expenseswith pre-tax payroll deductions. In 2025, you can enroll in a Full-Purpose FSA, Limited-Purpose FSA, and a Dependent CareFSA. FSA enrollment is available on a calendar year basis. Thisbenefit renews on January 1st of each year.Save on taxes with a HealthSavings Account ora Flexible SpendingAccount.FLEXIBLE SPENDINGACCOUNTS (FSAs) WEXFull-Purpose FSALimited-Purpose FSADependent Care FSAWhat happens at the end of the year? You can roll over upto $660 to the following year. $7What happens at the end of the year? You can roll over upto $660 to the following year.

Vision BenefitsDental Benefits Your vision coverage is offered through Anthem for the 2025-2026 plan year. Review your plan summaries for full plan details.Your dental coverage is offered through Anthem for the 2025-2026 plan year. Please review your plan summaries or policyfor full plan details.DENTAL & VISION ANTHEMDental - AnthemIn-NetworkOut-of-NetworkFree Preventive CareYou Pay $0You Pay $0First, you are subject to a deductible before yourbasic and major dental coverage kicks in.Individual Deductible: $50Family Deductible: $150Individual Deductible: $50Family Deductible: $150Then, you are subject to the member coinsurance forcovered basic or major dental services.You Pay 20% for Basic Dental ServicesYou Pay 20% for Basic Dental ServicesYou Pay 50% for Major Dental ServicesYou Pay 50% for Major Dental ServicesIf your total member expenses reach the annualmaximum, you must pay 100% for additional dentalexpenses for the remainder of the year.Individual Annual Maximum: $1,500Individual Annual Maximum: $1,500Under this plan, you can provide dental coverage for dependent children up to age 26, and Orthodontic benefits up to age 25! Thesecosts are separate from your other dental expenses.First, you are subject to the member coinsurance forcovered Orthodontic care.You Pay 50% for Orthodontic ServicesYou Pay 50% for Orthodontic ServicesIf your total member orthodontic expenses reach thelifetime maximum, you will be required to pay 100%for any additional Orthodontic expense.Individual Lifetime Maximum: $1,500Individual Lifetime Maximum: $1,500Dental RatesMonthlyBi-WeeklyEmployee OnlyEmployee + SpouseEmployee + Child(ren)Family$0.00$36.82$21.29$60.97$0.00$16.99$9.83$28.14Vision - AnthemIn-NetworkOut-of-NetworkFrequencyEye Exam$10 CopayUp to $30 ReimbursementOnce Every Calendar YearContacts- Medically Necessary- Elective(In Lieu of Glasses)100% Covered$0 Copay; $130 Allowance + 15% Off Retail Price(In Lieu of Glasses)Up to $200 ReimbursementUp to $104 ReimbursementOnce Every Calendar YearGlasses- Single Vision- Bifocal- Trifocals$20 Copay$20 Copay$20 CopayUp to $25 ReimbursementUp to $40 ReimbursementUp to $60 ReimbursementOnce Every Calendar YearFrames$140 Allowance + 20% Off Retail Prices Over $140Up to $70 ReimbursementOnce Every Two Calendar YearsVision RatesMonthlyBi-WeeklyEmployee OnlyEmployee + SpouseEmployee + Child(ren)Family$6.65$12.65$13.32$19.58$3.07$5.84$6.15$9.048

Employee CoverageSpouse CoverageChild CoverageIncrements of$10,000 up to amaximum of$500,000, not toexceed 5x yourearnings.Guaranteed IssueAmount: $150,000Increments of$5,000 up to amaximum of$500,000, not toexceed 100% of theemployee election.Guaranteed IssueAmount: $25,000Increments of$1,000 up to amaximum of$10,000, not toexceed 100% of theemployee election.Guaranteed IssueAmount: $10,000Employee CoverageSpouse CoverageIncrements of $5,000 up to amaximum of $250,000.Guaranteed Issue Amount: $100,000Increments of $5,000 up toa maximum of $50,000Guaranteed Issue Amount: $10,000Life BenefitsEmployer-paidEmployee-paidEmployer-paidEmployer-paidDisability BenefitsEmployees can elect Voluntary Life and AD&D forthe employee, spouse, and dependent children.The cost is based on the amount you purchase and your age at the time of purchase, and you can calculate your cost while enrolling in the BerryCollege Employee Navigator portal.Basic Life and Voluntary Life provide financial support inthe untimely passing of a covered participant. Benefit Amount: 1.5x your annual earningsrounded to the next highest $1,000 to a maximumof $500,000.Please be advised that should you reach age 65,your coverage will reduce by 10%. Should youreach age 70, your coverage will reduce by 25%.Coverage amounts for life insurance for you and yourspouse will reduce to 65% of the original amount whenyou reach age 70, and will reduce to 50% when you reachage 75. Coverage may not be increased after a reduction.Benefits begin once you have been out of the officedue to your disability for 180 days.Monthly benefit checks will be 66 2/3% of yourmonthly earnings to a maximum of $9,000 a month.Benefits will continue based on how old you arewhen your disability occurs. If your disability occursbefore age 60, the benefit will be payable to SocialSecurity Normal Retirement Age, which varies basedon the year you were born. If your disability occursat or after age 60, the benefit would be paidaccording to the benefit duration schedule.Benefits begin once you have been out of the officedue to your disability for seven days.Weekly benefit checks will be 100% of your weeklyearnings.You can receive these weekly benefit checks for upto 25 weeks if you continue to be out of work due toyour disability.Short and Long Term Disability provides partial incomereplacement if you are affected by a covered illness oraccident outside of work.*If your spouse is also a benefits-eligible employee at BerryCollege, then you may not be eligible to purchase spousalcoverage for voluntary life benefits. If both spouses areemployed at Berry College, only one spouse can electvoluntary life coverage for their child(ren). Please refer tothe plan documents for more details.Basic Life and Accidental Death &Dismemberment (AD&D)Voluntary Life and Accidental Death &Dismemberment (AD&D)*Short Term DisabilityLong Term Disability LIFE & DISABILITY UNUM9Employee-paidCash Value: Whole Life Insurance accumulates cash valuefor loans, policy surrender, or reduced paid- up insurance incase of non-payment of premium.Accelerated Death Benefits: Group Whole Life offers accessto Accelerated Death Benefit[s] for Terminal Illness andChronic Care services if the insured is terminally ill, loses 2activities of daily living, or is severely cognitively impaired.Whole Life with RiderWhole life insurance provides you with the coverage for life or until you terminate the policy. When purchasing this benefit,you can select the amount that best suits your needs. For more information, please refer to the plan document.

RETIREMENT TIAAWORKSITE BENEFITS UNUMThe group accident policyprovides a cash benefit for out-of-pocket expenses associatedwith an accidental injury. It canhelp protect hard-earned savingsshould an on, or off-the-jobaccident occur. Benefit based off the type ofaccidentFor accidents outside of work$50 wellness benefit perenrolled participant!Refer to the plan summaries fromUnum for details. Refer to the plan summaries fromUnum for details. The Critical Illness benefit mayguard you against financialhardship. This specified diseasecoverage, including cancer fromUnum offers the protection youneed to concentrate on what ismost important—your treatment,care, and recovery.$10,000, $20,000 or$30,000 paymentFor heart attacks, strokes,heart failure, and liver failure$50 wellness benefit perenrolled participant!When you become eligible, please enroll in the retirement plan from the Berry/TIAA website at: www.tiaa.org/berry.Choose the “Berry College Defined Contribution Plan”1.Print out the “403(b) Defined Contribution Plan-Salary Reduction Agreement” for whether you are non-exempt or exempt.2.Complete and sign the form and submit it to payroll.3.Click on “Begin Enrollment” to register for an account on TIAA.4.All steps must be completed before you are successfully enrolled in the TIAA retirement plan.Hospital Indemnity complementsyour present medical coverage by providing cash benefits to help pay out-of-pocket expensesassociated with hospitalconfinement.Pays a daily benefit if youhave a covered stay in ahospital, critical care unit orrehabilitation facilityBenefit determined by thetype of facility and thenumber of days you stay$50 wellness benefit perenrolled participant!After completing one year of service, permanent exempt and non-exempt employees may participate in Berry’s retirementplan through the companion company Teachers Insurance and Annuity Association (TIAA). All exempt employees mustparticipate in the program before completing three years of service at Berry and attaining the age of 30. Eligible non-exempt employees, though not required to participate, are strongly urged to take advantage of Berry’s assistance inproviding for their retirement. Part-time and temporary employees normally scheduled to work fewer than 1,000 hours perfiscal year are not eligible to participate in the retirement plan. All participating employees must contribute 5% of their regular earnings to the plan, and the institution contributes 10% ofeach participant’s regular earnings. Employees may elect to contribute extra amounts (beyond 5% of their earnings) towardthe purchase of larger TIAA annuities, but Berry does not match additional payments.Your employer offers you three voluntary medical supplemental plans! Each provide you with a lump-sum benefit should youget sick or be in an accident.ACCIDENT Employee-paid Employee-paidCRITICAL ILLNESSEmployee-paidHOSPITAL INDEMNITYRefer to the plan summaries fromUnum for details. 10

SUPPLEMENTAL BENEFITSEmployer-paidEmployee-paidPET INSURANCE NATIONWIDEWORK-LIFE BALANCE (EAP) UNUMEmployer-paidEmployee-paidIDENTITY THEFT ALLSTATETRAVEL ASSISTANCE UNUMAt Berry College we know your pets are an importantpart of your family, and we want to ensure theyreceive care too! For 2025, we are pleased to offerpet insurance through Nationwide. The policyprovides nose-to-tail coverage so you and your furryfriend can make the most of your days together! Contact Nationwide at 1.888.341.0789 to review youroptions, receive a quote, and enroll your pet. Berry College provides a confidential EmployeeAssistance Program (EAP) to you and members of yourhousehold. Examples of services provided by the EAPinclude financial counseling, professional help with drug/alcohol dependence and grief counseling. Servicesprovided are completely confidential and available 24hours a day, seven days a week.Did you know that every 2 seconds someone’s identity isstolen? Keep your personal information safe with IdentityTheft Protection through Allstate. Identity Theft Protectioncan help shield your financial and personal information fromthieves and hackers by monitoring thousands of databases forunauthorized personal information usage. Members also haveaccess to prevention tips and can receive help from financialcounselors if they become victims.Employee: $9.95/monthFamily: $17.95/monthBerry College offers employees a worldwide travel assistanceprogram that provides services 24 hours a day, seven days aweek when traveling 100 or more miles away from home.This emergency service can arrange and facilitate medicalcare, medical referrals, emergency medical evacuation, helprefill lost, stolen, or depleted prescription drugs, assist withlost/delayed luggage, and much more.This benefit will be effective first of the monthafter enrolling.11

2277 Martha Berry Hwy NWMount Berry, GA 30149www.berry.eduWHO TO CONTACT?$$$Berry College Sandra ChinHuman Resources ManagerTel.: 1.706.236.1722schin@berry.eduLife, Disability, Travel Assistance, EAPAccident, Critical Illness, Cancer& Hospital Indemnity Unum Heide CoffeltTel.: 1.404.846.3185heide.coffelt@onedigital.comCarolyn Vann Tel.: 1.404.846.3587cvann@onedigital.comOneDigitalYour Client Advocates are here tohelp! Call or email Heide Coffeltand Carolyn Vann for swift andconfidential assistance.Medical AnthemTel.: 1.855.397.9267www.anthem.comPharmacy ProActTel.: 1.877.635.9545www.proactrx.comIdentity TheftAllstateTel.: 1.800.998.8697www.allstate.comDental & VisionAnthemTel.: 1.855.397.9267www.anthem.comRetirement SavingsTIAATel.: 1.800.842.2252www.TIAA.orgTel.: 1.866.679.3054www.unum.comFSA WEXTel.: 1.866.451.3399www.wexinc.com HSA HealthEquityTel.: 1.866.346.5800www.HealthEquity.comPet InsuranceNationwideTel.: 1.877.669.6877www.nationwide.com