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YourBenefitsEffective January - December 2025City of Arnold

Making benefit selectionsEligibilityYou must request a change to your benefits within 30days of your life event (60 days for changes involvingMedicaid eligibility). Documentation will be required.Your benefit plans are in effect January 1 – December 31each year. In general, there are three times you canmake benefit selections:Enrolling in coverage123Qualifying life events allow you to change your coverageduring the year outside of Open Enrollment. Theseinclude:marriage 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.If you have a qualifying life eventOpen Enrollment is your one chance each year to reviewyour coverage options and make changes to yourbenefits.Your choices are in effect from January – December ofthe following year unless you have a qualifying life event.Your benefits begin on the date of hire ; this is youreffective date. Be sure to submit your selections withinyour first 30 days of benefits eligibility.Your benefit selections will be in effect throughDecember 31. When you're first eligibleAt Open EnrollmentFor youYou are eligible for benefits as a full-time employeeworking at least 30 hours per week.Covering your familyYou may also cover your eligible dependents when youelect coverage for yourself.Your Spouse You may cover your legal spouse.Your ChildrenDependent children are eligible: Medical, dental and vision: until age 26 regardlessof student or marital statusChild life insurance: until age 21, or 26 if a full-timestudent

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance 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, andvision providers, pharmacies, andfacilities that agree to discount thecost of their 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 doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Pre/Prior-authorizationSome specialty medical providers,services and prescriptions requireprior authorization from yourinsurance company. These mayinclude - but are not limited to -surgery, imaging (CT, MRI) andcertain prescription medications.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).How to handle medical bills(2:04)We’re required to tell you about certainrights and responsibilities you have as anemployee of City of Arnold. You can request a paper copy at nocharge from:Bryan Richison, City AdministratorCITY OF ARNOLD 2101 Jeffco Blvd.Arnold, MO 630101-636-282-6600Download nowHelpful terms & resourcesAnnual NoticesWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use yourbenefits, and we want you to be prepared!Learn more

Medical insuranceUMRGroup: 764152981-800-826-9781www.umr.comFlexible Spending Accounts (FSAs)UMR1-800-826-9781 and say consumer accountsumr.com Employee Assistance Program (EAP)H&H Health Associates 1-800-832-8302www.hhhealthassociates.comDental insuranceStandard1-800-547-9515www.standard.com/servicesVision insuranceStandard1-800-547-9515www.standard.com/servicesLife and AD&D insuranceStandard Insurance CoGroup: 138161www.standard.comDisability insuranceStandard Insurance Cowww.standard.comContact information

In-network careBase $1,500 Deductible High $1,000 DeductibleNetwork name:UHC Choice PlusUHC Choice PlusAnnual Deductible (DED)[Calendar year]$1,500 per person up to$3,000 family max$1,000 per person up to$2,000 family maxOut of pocket maximum$4,500 per person $9,000 family max$3,500 per person $7,000 family maxPre-tax account availabilityFlexible Spending Accounts (FSAs)Flexible Spending Accounts (FSAs)Preventive carePrimary care visitSpecialist visit100% covered$25 copay$50 copay100% covered$25 copay$50 copayUrgent careEmergency roomInpatient hospital careOutpatient surgery$75 copay$200 + You pay 20%DED then you pay 20%DED then you pay 20%$75 copay$200 + You pay 10%DED then you pay 10%DED then you pay 10%Prescription drugsPrescription deductibleGeneric Preferred brand Non-preferred brandSpecialty(30 days | 90 days)Combined with medicalDED then: $10 | $25DED then: $40 | $100DED then: $70 | $175DED then 50% up to $100(30 days | 90 days)Combined with medicalDED then: $10 | $25DED then: $40 | $100DED then: $70 | $175DED then 50% up to $100Out-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$3,000 / $6,000$9,000 / $18,000Balance billing applies$2,000 / $4,000$7,000 / $14,000Your cost for coverageEmployee onlyEmployee + spouseEmployee + child(ren)Employee + familyBi-weekly$0.00$189.38$144.98$378.77Bi-weekly$61.32$301.79$244.63$543.54See plan detailsSee plan detailsSee your plan details for out-of-network information.Each person has their owndeductible with a combinedmaximum for the family.Select from two medical options through UMR.Both plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: 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).Find an in-network providerMedical insuranceMental health supportThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Each person has their owndeductible with a combinedmaximum for the family.

Additional InformationUmr.com on the goSee plan detailsSav-RX portal flyerSee plan detailsFind a providerSee plan detailsThere's more to love with these extra benefits when youelect medical coverage. The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

Flexible SpendingAccounts (FSAs)2025 maximum contribution$3,300Pay for eligible child or disabled adult care while youwork or attend school.Dependent care FSASee plan details2025 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 atthe end of the year per IRS regulations.You have un til March 15 of the following year to spend any leftover FSA funds. Pay for eligible medical, prescription, dental, and vision expenses. You’ll get a debit card to pay for expenses.Health careSee plan detailsHealth care FSAHealth and dependent care expenses can add up. Paying withtax-free funds can help. Enroll in one or more flexible spendingaccounts (FSAs) depending on your needs.Pay for qualifying expenses with tax-free money using yourFlexible Spending Account through UMR.Eligible expensesThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.FSA member brochure FSA mobile app

Mental health Support for your health, finances, and life.Mental health care is health care.Managing work, family, relationships, and finances can be tough. Our Employee Assistance Program (EAP) provides you and your family with no-cost, confidential assistance withall things related to your life. 24/7/365.Access no-cost monthly resources designed to support your wellbeing, understand your benefits, and manageyour finances. Topics include:tips to connect with your child(ren), ways to ditch debt for good, and what to do when a medical bill arrives.Information when you need itLearn moreOn-demand supportAccess on-demand mental health resources on a platform built with your mobile device in mind. The Mental Health Hub includes:Tips for managing day-to-day stressors,Resources for times of crisis, Practical information about mental health, and more!Access nowAccess nowThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

Employee AssistanceProgram (EAP)EAP features:Confidential. No one at City of Arnold will ever know you called or whatwas discussed.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.24/7/365 access to care. 1-800-832-8302www.hhhealthassociates.comClick PARTICIPANT LOGIN thenEAP/MAP/SAP RESOURCES thenREGISTER, create your individualaccount using the Company Name:ARNOLDOur Employee Assistance Plan (EAP) is a confidential service with access toguidance and resources at no cost for: 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.Essentially, if it's part of your life, our EAP is here for you.Access support by mobile app or over the phone. 24/7/365.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support throughH&H Health Associates.Confidential care designed for all that life brings.EAP services flyerWhen needed, each person can receive 3-4 face-to-face (or virtual) visitswith a licensed counselor per issue per year. At no cost. Additional visits - ifneeded - will go through your health insurance.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.EAP services brochure

In-network carePlan 1 $750 Annual MaxPlan 2 $1,000 Annual MaxNetwork name:StandardStandardAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$750 per person $1,000 per person Preventive care100% covered100% coveredBasic careDED then you pay 20%DED then you pay 10%Major careDED then you pay 50%DED then you pay 40%Implant coverage:Not availableNot availableOrthodontic careCoverageLifetime maximum benefit50% covered (child only)$1,000 lifetime max benefit50% covered (child only)$1,000 lifetime max benefitSee plan detailsStay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Select from two dental options through Standard.Dental insuranceBoth plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Standard will pay each year for dental care (annualmaximum benefit), andhow out-of-network care is covered, andwhether orthodontic care is covered.Learn about dental care categoriesThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

In-network carePlan 1 Balanced Care Vision Plan 2: Balanced Care Vision IIPlan Plan 3: Balanced CareVision IIINetwork name:VSPEYEMEDAnnual eye exam (every 12 months)$10 copay$10 copay$20 copayMaterials copay(lenses & frames)$25 copay$25 copay$20 copayLenses (every 12 months)Included in materials copayIncluded in materials copayIncluded in materials copayFrames(every 24 months)$130 allowance$110 allowance$80 allowanceContact lenses(every 12 months)Elective: $130 allowanceMed. nec: 100% covered after $25 copayElective: $115 allowanceMed. nec: 100% covered after $25 copayElective/Med. nec: $120allowanceSee plan detailsYour 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.All plans cover annual exams, lenses and frames, or contacts in lieu ofglasses. The differences are:what you pay for the plan, what you pay when you get care, andthe materials allowance (how much the plan will pay) for frames orcontact lenses.Select from three vision options through Standard.Vision insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

City of Arnold providesBasic lifeBasic AD&DClass 1 Active Members$40,000$40,000Class 2 Elected Officials$20,000$20,000Class 1 Active MembersFor youFor your spouseFor yourchild(ren)Coverageincrements$10,000$5,000Options: $5,000,$10,000Coveragemaximum$300,000$50,000$10,000Medicalquestion limit$140,000$10,000Does not applyYou may also purchase additional coverage for you, your spouse, and youreligible child(ren). Additional life and AD&D insuranceSee plan detailsLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through Standard Insurance Co.Life and AD&DinsuranceWhat's AD&D?Make sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.Medical question limitBasic life and AD&D insuranceCity of Arnold provides life and AD&D insurance at no cost to you.Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)When you’re first eligible (a newhire), you can purchaseadditional life insurance up tothis limit without any medicalquestions required. Medical questions and approvalwill be required for all futureincrease and purchase requests.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Class 2 Elected Officials

Benefits beginAfter 30 days of inability to work Coverage amount60% of your income up to $1,000 per weekPayments may continueUp to 90 days if you’re unable to return to workSee plan detailsSee plan detailsPre-existing conditionlimitations Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount50% of your income up to $6,000 per monthPayments may continueBased on your disabled ageWish you knew more aboutfinances? Now you can - atno cost!Protect your paycheck with disability insurance throughStandard Insurance Co.Disability coverage insures your paycheck, replacing a portion of your incomeif you’re unable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck if you’reunable to work for a shorter period of time. City of Arnold provides thiscoverage at no cost to you.Short-term disabilityLong-term disability coverage can provide lasting income protection if youremain unable to work. City of Arnold provides this coverage at no cost toyou.Long-term disabilitySee your benefit summary to learn more about the definition of "unable towork".DisabilityinsuranceIf you make a disability claim withinthe first year of being covered,check your plan details to see howpre-existing condition limitationsmight impact your coverage.Learn moreThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

2025 benefitsCity of Arnold