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YourBenefitsEffective January 1st

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required.Enroll nowYour benefit plans are in effect January 1 –December 31 each year. In general, there are threetimes you can make benefit selections:Making Benefit SelectionsGetting startedEligibility Enrolling in coverageFor youCovering your familyMedical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 21, or 26 if afull-time studentYou are eligible for benefits as a full-time employeeworking at least 30 hours per week.Covering your familyYou may also cover your eligible dependents whenyou elect coverage for yourself.You may cover your legal spouse or domesticpartner.Dependent children are eligible:Your Spouse or PartnerYour ChildrenYour benefits begin on the first day of the monthfollowing 30 days of employment; this is youreffective date. Be sure to submit your selectionswithin your first 30 days of benefits eligibility/withinyour first 30 days of employment. Your benefit selections will be in effect throughDecember 31. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changes toyour benefits.Your choices are in effect from January – Decemberof the following year unless you have a qualifyinglife event. At Open Enrollmentmarriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare,Medicaid, or a spouse or parent's coverage. Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. These include: If you have a qualifying life event

Balance billingWhen you use an out-of-networkmedical or dental provider, they maybill you the difference between whatthey charge and the amount yourinsurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, and visionproviders, pharmacies, and facilitiesthat agree to discount the cost oftheir care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum does notinclude your premium (the amount youpay for coverage), non-coveredexpenses, or out-of-network carethat’s been balance billed.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usually ageneral practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral from aprimary doctor. These may include -but are not limited to - cardiology,psychiatry, orthopedic surgeons,rheumatology, surgery, and imaging(CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handle medicalbills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of OneDigital. You can request a paper copy at nocharge from:John Davisjdavis@onedigital.com Download nowHelpful Terms & ResourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and wewant you to be prepared!

Medical InsuranceAetnaGroup: #1234 1-800-556.1555www.aetna.comHealth Savings Account (HSA)Flores1-800-532-3327www.flores247.comFlexible Spending Accounts (FSAs)Flores1-800-532-3327www.flores257.comDental InsuranceDelta DentalGroup: #12341-844-825-8111www.deltadental.comVision InsuranceVSPGroup: #12341-800-877-7195www.vsp.comLife and AD&D InsuranceUNUMGroup: #12341-866-679-3054www.unum.comDisability InsuranceUNUMGroup: #12341-866-679-3054www.unum.comEmployee Assistance Program (EAP)UNUM1-866-679-3054www.unum.com401(k) Retirement SavingsJohn Hancock1-800-294-3575www.johnhancock.comContact informationGetting startedYour advocate, Sheila Johnson, is here to help you with claims, IDcards, coverage questions, and more!1-866-582-7378; prompt 1myadvocate@onedigital.comMonday - Friday, 8:30am-5pm ESTBilingual (Spanish) assistance is available

In-network carePPO planHDHP planNetwork name:National PPONational PPOAnnual Deductible (DED)Out-of-pocket maximum$1,500 per person $3,000 family max$4,500 per person $8,700 family max$4,000 single coverage $8,000 with dependents$4,000 per person $8,000 family maxPre-tax account availabilityHealth care FSAHealth Savings Account (HSA)Preventive carePrimary care visitSpecialist visitVirtual visit100% covered$20 copay$40 copay$20 copay100% coveredDED then you pay 20%DED then you pay 20%DED then you pay 20%Urgent careEmergency roomInpatient hospital care$75 copayDED then you pay 20%DED then you pay 20%DED then you pay 20%DED then you pay 20%DED then you pay 20%Prescription drugsGeneric Preferred brand Non-preferred brand(30 days / 90 days)$10 copay | $25 copay$25 copay | $62.50 copay$100 copay | $250 copay(30 days / 90 days)DED then you pay 20%DED then you pay 20%DED then you pay 20%Out-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$3,000 / $6,000 $6,000 / $12,000Balance billing applies$8,000 / $yy $xx / $yyYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$113.55$233.50$211.69$331.64Per paycheck$0.00$57.01$46.95$103.66See plan detailsMedical InsuranceSee plan detailsMental health supportThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: Select from two medical options through Aetna.

Additional perksThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.There's more to love with these extra benefits. 24-Hour Nurse LineSometimes your health question can’t wait until yourdoctor visit, or even the next morning. With the 24-hourNurse Line, you can speak to a registered nurse abouthealth issues that are on your mind – whenever you needto. Of course, only your doctor can diagnose, prescribeor give medical advice. The 24-hour Nurse Line canprovide helpful information and possibly prevent anunneeded trip to the emergency room. See plan detailsAetna Health appIt’s easy to registerOnce you’re a member, you can visit www.aetna.com tocreate an Aetna member account. Or you can text“GETAPP” to 90156 for a link to download the AetnaHealth app and create your account. See plan detailsHealth DiscountsAll medical plans provide built-in discounts with noreferrals, claims or limits. Your family can use them too.Simply log in to your member website atwww.aetna.com. See plan detailsDiabetes Prevention ProgramThe Diabetes Prevention Program is a new preventiveprogram for eligible members. Joining a DiabetesPrevention Program can help reduce that risk by givingyou the tools to adopt healthy habits, be more active andlose weight.If you are at risk, you can sign up for a DiabetesPrevention program at no cost through Anthem BlueCross. Take a brief quiz to learn your risk and thenanswer a few questions to get matched with your best fitprogram.See plan detailsSay Hi to SydneyWith Sydney, you can find everything you need to knowabout your Anthem BCBS benefits -- personalized andall in one place. Sydney makes it easier to get thingsdone, so you can spend more time focused on yourhealth.See plan details

If you coveryourself onlyIf you coverdependentsOneDigitalcontributes up to:$700$1,500You may alsocontribute:$3,150$6,2502023 IRS maximumcontribution $3,850$7,750Learn how HSAs canhelp you save fortoday and tomorrow.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.OneDigital contributes to your Health Savings Account(HSA) when you elect the HDHP medical plan andmeet IRS eligibility requirements. You may also contribute tax-free funds to save forcurrent and future health expenses:Contributions HSA funds Spend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.Using your moneyThe money in your HSA is always yours and availablefor qualified health care expenses - even if you changejobs or health plans. Before retirement, any funds usedfor non-health care expenses are subject to taxpenalties. Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free and comeout tax-free when you use them for qualified healthexpenses. You may also be able to invest part of yourbalance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA forany use (not just health care!) without tax penalties. Eligibilitybe enrolled in a qualified High Deductible HealthPlan (HDHP),not be covered under any other non-HDHP healthcoverage, including a full health care FSA throughyour spouse,not be anyone else’s tax dependent, and not be eligible for or enrolled in Medicare A or B,Tricare, or VA benefits.In order to make – or receive – contributions to aHealth Savings Account (HSA), you must:An HSA through Flores is paired with a High DeductibleHealth Plan (HDHP).Save pre-tax money for health care expenses – or retirement!

Eligible expensesFlexible Spending Accounts (FSAs)2023 maximum contribution$2,850Annual rollover amount$6102023 maximum contribution$2,850Annual rollover amount$500Pay for eligible child or disabled adult care while youwork or attend school.Dependent Care FSASee plan details2023 maximum contribution$5,000Married filing separately: contribute up to $2,500 per person.Only the amount you’ve actually contributed isavailable for use at any one time.Estimate carefully! Unused funds will be forfeited at theend of the year per IRS regulations.Pay for eligible transit and parking expenses related towork.Transit and Parking FSASee plan detailsMonthly maximum contribution$280Enrollment and contribution elections are made on amonthly basis, not annual.Enrolled in an HDHP plan and eligible for HSA contributions? You’re not eligible for a health care FSA; you can contribute to alimited purpose FSA instead.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Pay for eligible medical, prescription, dental, and visionexpenses.Health careSee plan detailsHealth Care FSAPay for eligible dental and vision expenses when you'realso contributing to an HSA.See plan detailsLimited Purpose FSAHealth and dependent care expenses can add up. Paying with tax-free fundscan help. Enroll in one or more flexible spending accounts (FSAs) dependingon your needs.Pay for qualifying expenses with tax-free money using yourFlexible Spending Account through Flores.

PPO planHDHP plan 1HDHP plan 2$10 copay DED then you pay 20%DED then you pay 20%Access quality care in the convenience of your own home, on your lunch break,or on the way to your child’s soccer game! Whether it's a nagging cough, middle-of-the-night fever, or a suspicious-looking mole or rash — telehealth through VENDOR is here when you need it.Connect with a board-certified physician 24 hours a day, 7 days a week.Your cost per visit depends on your medical plan:Telehealth: virtual health care that fits your scheduleSee plan detailsMental health care isessential health care.Managing work, family,relationships, and finances canbe tough. Our Employee AssistanceProgram (EAP) provides youand your family with no-cost,confidential assistance with allthings related to your life.24/7/365.Total Wellbeing:Caring for all of youSupport for your health, finances, and life.There are five ingredients to wellbeing — each just important as the others:The recipe to living wellConnection to your passion, the reason you get out of bed every day.PurposeFeeling connected to where you live, work and play through activities such as volunteering and mentoring.CommunityThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Social & EmotionalHealthy, supportive relationships with family, friends, and mostimportantly, yourself. Effectively managing feelings and emotions andpracticing healthy ways to manage stress and adapt to challengesPhysicalHaving good health and the energy to perform your job life outside of work, such as spending time with family,friends, or participating in activities you enjoy. Think of physical wellbeing as nutrition, staying hydrated, gettingrest, avoiding illness through vaccines, preventive screenings, and following doctors’ orders!The ability to effectively understand and plan for day-to-day expenses, short-term, and long-term goals, likepaying back student loans, saving for a house, sending children to college, retirement, or caring for aging familymembersFinancial

Dental InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Base planHigh planIn-network careNetwork name:National PPONational PPOAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,500 per person $2,500 per person Preventive care100% covered100% coveredBasic careDED then you pay 20%DED then you pay 20%Major careDED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime maximum benefitNot coveredN/A50% covered (child to age 19)$1,500 lifetime max benefitYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$5.49$12.69$14.28$22.01Per paycheck$12.81$29.61$33.32$51.35See plan detailsSee plan detailswhat you pay for the plan, what you pay when you get care, the maximum amount Delta Dental will pay each year for dental care(annual maximum benefit), andwhether orthodontic care is covered.Both plans cover in-network preventive care at 100%. The differences are: Select from two dental options through Delta Dental.

In-network careBase planHigh planNetwork name:National PPONational PPOAnnual eye exam (every 12 months)$10 copay$10 copayMaterials copay(lenses & frames)$25 copay$25 copayLenses (every 12 months)Included in materials copayIncluded in materials copayFrames(every 12 months)$110 allowance$110 allowanceContact lenses(every 12 months)Elective: $110 allowanceMedically necessary: 100% coveredElective: $110 allowanceMedically necessary: 100% coveredYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$1.44$2.89$2.44$4.03Per paycheck$3.36$6.74$5.71$9.41See plan detailsVision InsuranceSee plan detailsThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.what you pay for the plan, what you pay when you get care, andthe materials allowance (how much the plan will pay) for frames or contactlenses.All plans cover annual exams, lenses and frames, or contacts in lieu of glasses.The differences are:Select from two vision options through VSP.Your vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.

Basic lifeBasic AD&DOneDigital provides$100,000$100,000See plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000$5,000Coveragemaximum5x your annualearnings to$1,000,000Your (employee)coverage amount to $500,000$10,000Medicalquestion limit$250,000$50,000Does not applyYou may also purchase additional coverage for you, your spouse, and your eligiblechild(ren). Additional life and AD&D insuranceSee plan detailsLife insurance pays a benefit if you pass away while you're covered. AccidentalDeath and Dismemberment (AD&D) insurance offers additional support if youpass away or are seriously injured due to an accident.Financial peace of mind through UNUM.Life and AD&D Insuranceyour beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodily functions(sight, limbs, etc.)What's AD&D?Accidental death anddismemberment (AD&D) insurancemay pay:Make sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.Medical question limitWhen you’re first eligible (a newhire), you can purchase additionallife insurance up to this limitwithout any medical questionsrequired. Medical questions and approvalwill be required for all futureincrease and purchase requests.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insuranceOneDigital provides life and AD&D insurance at no cost to you.

Benefits beginAccident: On the first day you're unable to workIllness: After 7 days of inability to work Coverage amount60% of your income up to $1,500 per weekPayments may continueUp to 13 weeks if you’re unable to return to workSee plan detailsSee plan detailsPre-existing conditionlimitations If you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existing conditionlimitations might impact yourcoverage.Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $5,000 per monthPayments may continueUntil your Social Security Normal Retirement Age if youremain unable to work.Wish you knew moreabout finances? Nowyou can - at no cost!Disability InsuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance throughUNUM.Disability coverage insures your paycheck, replacing a portion of your income ifyou’re unable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. OneDigital provides this coverage at no cost toyou / This coverage is available for purchase.Short-term disabilityLong-term disability coverage can provide lasting income protection if you remainunable to work. OneDigital provides this coverage at no cost to you / Thiscoverage is available for purchase.Long-term disability

Employee AssistanceProgram (EAP)Confidential. No one at OneDigital will ever know you called or what wasdiscussed.Available 24/7/365. Life doesn't happen during office hours. The EAP ishere when you need them.Family care is included. Anyone living in your home is eligible for EAPservices at no cost.Face-to-face visits. When needed, each person can receive up to 3 face-to-face (or virtual) visits with a licensed counselor per issue per year. At nocost. Additional visits - if needed - will go through your health insurance.EAP features:24/7/365 access to care. 1-866-679-3054www.unum.comUsername: USERIDPassword: password123The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.mental health concerns (including substance abuse or addiction),adoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,coping with day-to-day challenges, andso much more.Our Employee Assistance Plan (EAP) is a confidential service with access toguidance and resources at no cost for: Essentially, if it's part of your life, our EAP is here for you.Access support online, through live chat, or over the phone. 24/7/365.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support throughUNUM.Confidential care designed for all that life brings.

See plan detailsSee plan detailsSee plan detailsSee plan detailsSee plan detailsSee plan detailsAdditional benefit plans are a great way to customize your benefits package.Additional Benefit OptionsThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Accident coverage through UNUM pays you a cashbenefit to help with your expenses –your deductible orcopays, transportation, groceries and more – if you or acovered family member is injured due to an accident. Themoney is yours to use as you choose.Accident CoverageHospital Indemnity coverage through UNUM pays you acash benefit to help with your expenses - yourdeductible or copays, transportation, groceries and more- if you or a covered family member is admitted to thehospital. The money is yours to use as you choose.Hospital IndemnityCritical illness coverage through UNUM pays you a cashbenefit to help with your expenses– your deductible orcopays, transportation, groceries and more – if you or acovered family member is diagnosed with a coveredcritical illness. The money is yours to use as you choose.Critical IllnessIdentity theft protection through IDShield helps monitoryour credit and personal information online. You can buycoverage for yourself, your spouse and/or yourchild(ren).Identity TheftPre-paid legal care through LegalShield can provide youwith legal advice and consultation about various topicsat no added cost. Available topics include wills andestate planning, money and finances, driving or trafficmatters and more.Legal ServicesProtect your furry best friend with Nationwide PetInsurance. You'll get access to licensed veterinarians forroutine care, emergencies, lab tests and wellness visits.Rates vary.Pet Insurance

Retirement Savings PlanWhen youcontribute:OneDigital matches:For a total contribution of:4%2%6% of your eligible salary5%2.5%7.5% of your eligible salary6%3%9% of your eligible salary7%3%10% of your eligible salarySee plan detailsYou always own what youcontribute to your 401(k). You’ll own 50% of OneDigital'smatch after two years of service,and 100% of OneDigital's matchafter three years.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Learn how investing andsaving actually works -and can work for you.Set your future self up for financial stability with a 401(k)through John Hancock.With our company match, we’ll help you along the way.Choose from pre-tax (traditional) or after-tax (Roth) contributions, dependingon your need. You can change your contribution amount or pre- or after-taxelection at any time.OneDigital will match 50% of your contributions to a maximum of 6%:The basicsPre-tax: your contributions come out of your paycheck before Federal andstate taxes but after FICA (Medicare and Social Security) taxes. You’ll payregular income tax when you withdraw your money at retirement.Roth (after-tax): your contributions come out of your paycheck after taxes.When you withdraw your funds at retirement, they’re tax-free.The IRS maximum 401(k) contribution for 2023 is $22,500. If you’re over age50, or will be turning 50 during 2023, you can contribute a catch-upcontribution of $7,500 in addition to the maximum limit. Not sure whether to select pre-tax (traditional) or after-tax (Roth)? Check withyour financial advisor to determine the best choice for you. The basicdifferences:Contributions