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Message Benefits GuidePlan Year: June 1, 2024 - May 31, 2025

Welcome!On behalf of our entire team, we’d like to thank you for taking the time to familiarize yourself withthe Groton School Benefit Plan. We will be working closely with Groton School staff to ensureeverything runs smoothly not only during your enrollment period, but throughout the entire planyear, as well. Your plan year begins on June 1, 2024.The Groton School Medical Plan is a custom designed, dual option plan which combines benefitsinsured by Blue Cross/Blue Shield of Massachusetts with partial funding of the plan deductible, co-payments and co-insurance by Groton School. This plan design is known as the Benemax Wrap®and allows plan members to enjoy a high level of benefits at rates deeply discounted compared tomarket pricing. Similarly, the Groton School Dental, Vision, and Ancillary Plans have been carefullycrafted to meet the needs of Groton School employees within favorable cost parameters.In order to assist you with your plans, Benemax employs a team of HIPAA qualified IndependentMember Advocates (IMAs), all of whom are trained in the specifics of the Groton School BenefitsPlan.There may be a period of adjustment while you become comfortable with the administrativerequirements of your plan. Our IMAs can help you understand and use your plan, plus they’reexperienced in working with insurance carriers, providers, and billing organizations on your behalf.You can reach an IMA for immediate assistance from 8:30 AM to 5:00 PM daily by simply dialing 1-800-528-1530 or emailing benemax.service@onedigital.com.

See Full Event List HereContactDomestic Partner AffidavitThe Groton School offers all full-time employees who work theequivalent of 1,000 hours or more per year the opportunity toparticipate in Groton School’s Benefit Plans.Enrollment is permitted on the date of hire for all lines of coverage,annually during open enrollment; and/or within 30 days of aqualifying event such as the birth of a child, change in marital status,or loss of spousal coverage.Who can I add to my coverage?Legally Married SpouseDomestic Partner (that you live with)Biological ChildrenStepchildrenAdopted ChildrenChildren in your custody for adoptionChildren under your legal guardianshipPermanently disabled children over plan age restrictions (Medical andDental plans)Note: You, the employee, must be enrolled in the insurance coverage youwish to enroll a dependent into.You may only enroll in benefits when you are first eligible or makechanges to your benefits during open enrollment. However, you canmake changes/enroll during the plan year if you experience aqualifying life event:Marriage DivorceNew Baby/AdoptionDeath of DependentYour Dependent's Open EnrollmentYou/Dependent lose other coverageYou/Dependent gain other coverageYou/Dependent lose Medicaid coverageYou/Dependent gain Medicaid/Medicare coverageGetting StartedEligibilityQualifying Life Events for Mid Year ChangesIf you have a qualifying life event, you must submit your changes within30 days of the event (60 days for Medicaid events), or you must waituntil annual open enrollment to make any benefits changes. You arerequired to provide proof of the event to HR ASAP.Benemax.service@onedigital.com800-528-1530, prompt 3Available Monday - Friday, 8:30am - 5pm ESTBe sure to provide your name, employername, and your question or issue. Do you have questions about your benefits or your claims?Always call Benemax first. You’ll get one-on-one access toa local Benemax team member who will help answerquestions you may have regarding your benefits. This isnot a call center, but an extension of your employer’s localservice team dedicated to helping you.Benemax Customer ServiceWe can help you:Learn how your claims are paidUnderstand your covered benefitsUnderstand your pre-tax accountsUnderstand and lower costsNavigate escalated claim issues

In-networkNetworks are groups of medical, dental, and vision providers,pharmacies, and facilities that agree to discount the cost of their careor service. In-network care is always your lowest-cost option. Out-of-network providers can charge you whatever amount they deem fair,typically much higher than in network.DeductibleThe amount you’re responsible for paying in care expenses before themedical or dental plan starts sharing in the cost of your medical andpharmacy (if applicable) expenses.Out-of-pocket maximumThe most you’ll pay for covered medical and pharmacy care in a year.This includes your deductible and any coinsurance or copays. The out-of-pocket maximum does not include your premium (the amount youpay for coverage) and non-covered expenses.CoinsuranceAfter you’ve met your deductible, you’re sometimes responsible for apercentage of the cost of the medical care, dental care, or prescriptionmedication you received. This percentage is coinsurance.Primary care physicianA primary care physician (PCP) is your main medical doctor – usually ageneral practitioner (GP), family doctor, internal medicine, orpediatrician (for children). A PCP is required on HMO plans. If you donot list a PCP, one will be automatically assigned for you.CopayA flat fee you pay each time you receive a copay-eligible medical,dental, or vision service or prescription medication. Referral/pre-authorizationSome specialty medical providers/services and prescriptions requireadditional supporting information from your doctor. Examples include- but are not limited to - inpatient or outpatient surgical procedures,brand name medications, or specialty medications.Balance billingWhen you use an out-of-network provider, they may bill you thedifference between what they charge and the amount your insurancepays. If you have any questions, please call Benemax at 800-528-1530.Helpful TermsWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and we want you to be prepared!

Medical InsuranceHMO PlanPPO PlanPlanHMO $5,000 (with Benemax Wrap)PPO $5,000 (with Benemax Wrap)Deductible$500 Employee Only$1,000 Family$500 Employee Only$1,000 FamilyYour BCBS plan has a plan deductible of $5,000 per individual / $10,000 per family. Plan members are responsible for the first $500 per individual / $1,000 per family.Your employer, via Benemax, pays the remaining $4,500 / $9,000 on your behalf. This unique structuring of your plan is what we call The Benemax Wrap®, and is aproprietary method for securing you the benefits you need, at highly competitive market costsCoverage LevelIn Network OnlyIn and Out of NetworkPrimary Care Provider (PCP)RequiredNot RequiredPreventive care (Including Well-Child)Routine Eye Exam (once every 12months)Primary care visitSpecialist visitCovered in FullCovered in Full$25 Copay$25 CopayCovered in FullCovered in Full$25 Copay$25 CopayUrgent careEmergency roomOutpatient hospital careInpatient hospital care$25 Copay$150 Copay; waived if admittedDeductible applies, then covered in fullDeductible applies, then covered in full$25 Copay$150 Copay; waived if admittedDeductible applies, then covered in fullDeductible applies, then covered in fullPrescription drugsRetail / Mail Order(30 days / 90 days)$0 with Debit Card(30 days / 90 days)$0 with Debit CardYour cost per paycheckEmployee onlyEmployee + 1Employee + FamilySalary < $75,000$96.60$186.15$288.21Salary > $75,000$98.15$189.16$292.87Salary < $75,000$119.09$228.48$353.74Salary > $75,000$120.77$231.51$358.44 The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates 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.All plan coverage shown represents in-network coverage. For out-of-networkcoverage, reference your plan documents. Your medical insurance comes with a lot of different resources to help you savemoney, make good health choices, and better understand your health. Accessthe resources below and on the following page to make the most of the medicalbenefit you choose. Questions about your benefits or claims? Contact Benemax now! 800-528-1530 | benemax.service@onedigital.comMedication Look-up ToolEnrollment SitePlan Documents Plan DocumentsBCBS Member ProgramsBCBS E-Kit

Get support for your mental health.If you’re ready to get support for your mental health, BCBS may be able to help.Use it to identify and work through your thoughts and behaviors by accessingself-guided, personalized programs that can help with:It's confidential and available online 24/7, at no cost to members.To get started create an account. Once you sign into MyBlue, then click OnlineMental Health Tool under My Plan and Claims.Social anxietyDepressionStress, anxiety, and worryInsomniaSubstance usePanicResilienceAccess quality care in the convenience of your own home or on the go! Whetherit's a nagging cough, emotional support/stress/anxiety, middle-of-the-night fever,or a suspicious-looking rash — telehealth is here when you need it. Connect witha board-certified physician or licensed therapist or psychiatristTelehealth: 24 hours a day/7days a weekGuiding Myself Online Earn up to $400 in rewards annually.With ahealthyme Rewards from VirginPulse, an independent company, it’s easy to make your healthy choices pay off.Track your healthy habits, earn points, and rake in the rewards.AHealthyMeSpeak to a registered nurse, right when you need to, day or night.Call 1-888-247-258324 / 7 / 365 Nurse LineBenefits with BCBSBenefits only available to Blue Cross Blue Shield MembersThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer tothe plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.Seeking support for substance use disorder is never easy. We’re here tosupport you and your loved ones. With no judgement, no matter whatyou’re going through.You can take this step. Whether the challenge is alcohol, prescriptions, orother substances, there's treatment for you:Outpatient therapyIntensive outpatient programsPartial hospital treatmentRehab or acute residential treatmentDetoxCall BCBS specialist to talk about your treatment options at 1-800-392-0098.Substance Use DisordersWellness OverviewFitness PerksBlue Cross Blue Shield of Massachusetts will reimburse you up to $150 eachcalendar year for costs you pay to participate in a qualified fitness or weight-lossprogram - including virtual. For 2024 sports/activity fees are also included - Skipasses, league sports fees, race aprticapryions fee (5K, marathon ,etc) Maven MaternityHave questions about getting pregnant, pregnancy, labor, and what toexpect during baby’s first year? BCBS is here to help you with a full rangeof maternity programs and benefits. We encourage you to explore all yourbenefits for starting and growing your family. As of March 31, 2024, Blue Cross covers an annual mental health wellness exam.This exam may be conducted as part of the annual preventive visit with a primarycare provider (PCP), or as a standalone visit with a PCP or licensed mental healthprofessional. Because the mental health wellness exam is considered preventivecare, there is no out-of-pocket cost for members in most plans.Mental Health Wellness ExamSee DetailsSee DetailsSee DetailsWeight Loss ReimbursementFitness ReimbursementFitness Reimbursement FormWeight Loss ReimbursementFormSee DetailsSee Details

Who pays for what and when?You or a member of your family visits your provider(doctor/hospital) and shows both their medical carrier ID cardand their Benemax Card. 1.Your provider will bill your medical carrier. 2.Your medical carrier will process your claim, notify yourprovider, and send a Claims Summary to you and your provider. 3.In most cases, Benemax receives a report of your claims fromyour medical carrier. Benemax reviews your claim and (ifapplicable) makes additional payments on behalf of youremployer. 4.Benemax posts a Benemax Explanation of Benefits (EOB) on yourClaims Connection portal. You are responsible to pay theamount due to your provider as shown.5.Understanding Your Explanation of Benefits (EOB)When you receive your Benemax Explanation of Benefits (EOB), payvery close attention to it. Your Benemax EOB not only contains allthe important information about your claim(s), it also serves as yourbill. Any other documentation or invoice you may receive isinformational only. When it comes to what you should pay, your Benemax EOB is yourguide. If you have questions or need help understanding your BenemaxEOB, please contact a Benemax I Member Advocate either by phone(800-528-1530) or via email benemax.service@onedigital.com.Do not make a payment to your provider until you have reviewedyour claim responsibility amount on your Benemax ClaimsConnection portal.Reading and Understanding your EOBBenemax Claims Connection PortalUnderstanding the Benemax CardAccessing your Benemax EOBYour Medical Plan and BenemaxBenemax HMO SBCBenemax PPO SBC

Plan members can track their claims history and spending throughthis secure portal. The individualized claims site also offersinformational videos, the ability to access your EOB online, and theoption to use electronic upload for claims.Medical Claims SubmissionIn most cases there is a weekly automatic claims feed from yourmedical carrier to Benemax. Members and providers may alsosubmit claims using any method below.Email: benemax.claims@onedigital.comFax: 508-242-6198Mail: Benemax , POBox 950, Medfield, MA, 02052You should include an EOB or Claims Summary and a copy of theProvider Bill. You can also submit medical claims electronically (Some of ourplans are non-reporting with the insurance carrier and employeesmust submit claims manually):Logging InIf you are a first time user. please use your SSN as your usernameand password in the following format (you must include the dashesin your SSN):Username: XXX-XX-XXXX00 (add two zeros at the end of yourSSN)Password: XXX-XX-XXXX (no additional zeros needed)You will then be directed to change both your username and yourpassword to complete your registration.FormsProvidersBenemax Claims Connection PortalClaims ConnectionHIPAA Designation of Personal RepresentativeHIPAA Release FormIf your provider needs help understanding how both layers ofcoverage work together, you can share with them this letter.Sample Provider Letter

Member ServicesFor questions about your benefits or yourclaims, always call Benemax first - yourIndependent Member Advocate (IMA) canhelp! You’ll get one-on-one access to a local,licensed Benemax team member who willhelp answer questions you may haveregarding your benefits. This is not a callcenter, but an extension of your employer’slocal service team dedicated to helping you.We can help you to:Learn how your claims are paidUnderstand your covered benefitsUnderstand pre-tax accountsUnderstand and lower costsNavigate escalated claim issuesBenemax.service@onedigital.com800-528-1530, prompt 3Available Monday - Friday, 8:30am - 5pm ESTBe sure to provide your name, employer name,and your question or issue. EnrollmentEnrollment Coordinators can assist with allenrollment questions.We can help you with:ID CardsEligibility VerificationEnrollment and Demographic Changes*COBRA Support*Enrollment Changes must be coordinated through your HRDepartment. They will submit the information to Benemax.benemax.enrollment@onedigital.com800-528-1530, prompt 4Online ServicesWe offer online support, educational videos,and the ability to ask a question online. ClaimsConnection allows members to track their ownclaims and individual spending.Online services include:Online VideosOnline Claims AccessHelpful LinksBenemax Claims Connection PortalContact Us

Flexible Spending Account(s) allow employees to elect a specificdollar amount from payroll that you wish to direct to a specificaccount as show below. These funds are taken pre-tax and followthe same laws as other types of pre-tax benefits (like medical anddental). Once elected, you must have a qualifying life event to stopor change your deduction amount. If you do not elect wheneligible/available, you cannot newly enroll without a qualifying lifeevent. Allowed Expense TypeFull Purpose FSA (FSA): Medical, Dental, and VisionDependent Care Account: Child(ren) under the age of 13 or DisabledDependent2024 FSA IRS Maximum Allowed Contributions*Full Purpose FSA (FSA): $3,200 annuallyDependent Care Account: $5,000 annually*Check your benefits information for your exact plan maximums.Claims Instructions and FormsMembers must complete an FSA/DCA Claim Form, attach a bill orpaid receipt, and submit to benemax.claims@onedigital.com. Linksto claim form and our claims email should be included.FSA Eligible ExpensesGroton School Election FormLetter of Medical NecessityThe FSA StoreElectronic Submission: Claims ConnectionFlexible Spending AccountsGroton School FSA DCA Handbook

Benemax ID CardCards are automatically issued in a set of 2 and come in thesubscriber's name. If you have covered family members, they may usethe card with “dep” printed on the front.Present your provider with both your medical carrier card AND yourBenemax card. Be sure your provider's office takes copies of BOTHcards. Ensure your provider knows Benemax is your secondary payer.Benemax Debit CardYou may receive a debit card (vendor: master card) to pay forpharmacy expenses at the time of purchase (please call and activateyour card upon receipt). Depending on when Benemax coveragebegins in your plan, you may receive a card when your plan begins orafter you satisfy a portion of your out of pocket responsibility.You should ONLY use the card for expenses covered by your plan. Thecard will allow other expenses, but you will be required to repay anynon-qualified expenses you charge.Your Benemax Debit Card expires after 5 years, and you willautomatically be reissued a new one at that time.Benemax FSA Debit CardFor FSA participants only.You may also receive a debit card if you enrolled in a FlexibleSpending Account or Dependent Care Account. This card may be usedto pay for eligible expenses.XXXXXYour NameBenemax ID CardUsing the Benemax Debit Card and FAQsBenemax Card

BCBS PPO Dental PlanIn-networkAnnual Deductible$50 per person $150 family maxAnnual maximum benefit$2,000 per person Preventive care100% coveredBasic careDeductible, then you pay 20%Major careDeductible, then you pay 50%Orthodontic careCoverageAdult/Child50% to $2,000 lifetime maximumChild Only (to age 19)Dental Accumulated Maximum RolloverIf your total claims don’t exceed $800 for the benefit period, BCBS will rollover $600 foryou to use next year and beyond. Rollover totals will be capped at $1,500Your cost for coverage per paycheckEmployee onlyEmployee + OneEmployee + Family$13.59$28.95$40.51Dental InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates 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 yourinsurance pays). Dental benefits run on a calendar year basis. Your dental deductible and annual maximum will reset every January1 you are active on the plan. . Insured by Blue Cross Blue Shield of Massachusetts, your dental plan allows for both in-network and out-of-network services. This PPO plan which provides coverage with BCBS providers across the nation.Below is a brief reference of frequently used in-network services and respective coverage levels. Refer to your carrier Plan Summary for complete plan details.4 Ways to Save on DentalRollover MaximumPlan Documents

BCBS 20/20In-NetworkAnnual eye exam (every 12 months)$10 CopayLenses (every 12 months)$25 Co-pay (single, bifocal, trifocal)Frames (every 24 months)$150 allowance then 20% off balanceContact lenses (every 12 months)$150 allowance then 15% off balanceContact Lens Fit & Follow-UpStandard: Up to $55 / Premium: 10% off RetailYour cost for coverage per paycheckEmployee OnlyEmployee + OneEmployee + Family$4.05$7.81$12.09Your vision plan covers either glass lenses (lenses in your frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glass lenses benefit.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 rates 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.Little Eyes FlyerVision benefits are provided by Blue 20/20 and available to all benefit eligible employees. This plan provides both in-network and out-of-network coverage. Below is a brief reference of frequently used in-network services and respective coverage levels. Refer to your carrierSummary for complete plan details.Plan DocumentFind a ProviderNEW for 2024 - kids under the age of 19 receive:Two, fully covered, comprehensive eye examat $0 co-pay per benefit frequency One pair of replacement lenses per benefitfrequency (subject to prescription change)Fully covered blue-light prescription lensestreatment Fully covered standard polycarbonate lenses25% off non-prescription blue-light glassesLittle Eyes, Big Benefits

Plan DocumentsBasic LifeBasic AD&DCoverage2.5x salary to $500,0002.5x salary to $500,000EmployeeSpouseChild(ren)Coverageincrements$10,000$5,000$1,000GuaranteeIssue5x earnings to$100,000$30,000$10,000Maximum3x earnings to$300,000$250,000, not toexceed 100% ofemployeeapprovedelection$10,000Electing an amount over the Guarantee Issue (GI)? Are you a lateenrollee (declined coverage when first eligible)? If you answered yes to either or both questions, you must completean Evidence of Insurability (EOI) form. If you are newly eligible andelecting coverage over the GI, you will not be approved for coverageover the GI until your EOI form has been approved. If you are a lateenrollee, the GI does not apply and any amount you apply for will notgo into effect until your EOI is approved.EOI FormHow much coverage do I need?Plan DocumentsLife and AD&D InsuranceWhat's AD&D?Accidental death and dismemberment insurance may pay:your beneficiary if you pass away due to an accidentyou a partial benefit due to the loss, or the loss of use, ofbody parts or functions such as limbs, speech, eyesight, andhearingThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan 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.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurancepays an additional benefit if you pass away or are seriously injured due to an accident.Basic Life and AD&D insuranceThe cost of this coverage is covered by the Groton School. There is nocost to you.A beneficiary is the person, persons, or organization whowould receive your benefit in the event you lose your life.Make sure your beneficiaries are up to date with HR. You canchange them at any time!Voluntary Life and AD&D insurancePurchase additional coverage for you, your spouse, and your child(ren).You, the employee, must enroll/be approved for coverage for your spouse and/orchild(ren) to also enroll.Benefits reduce beginning at age 65.Plan Rates

Plan DocumentsPlan TypeEmployer Funded Coverage withTax ChoiceMonthly Covered Income66 2/3% of your income up to$10,000 maximumBenefit BeginsAfter 180 Days of Disability ifapprovedTax ChoiceIf you choose the “post-tax” optionand pay taxes through your ownpayroll deductions, any futureeligible Long Term Disabilitypayments will not be taxed.Disability, FMLA, and ADADisability InsuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan 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.Disability coverage insures your paycheck by replacing a portion of your income if you’re unable to work due to acovered illness or injury.Massachusetts Paid Family LeaveMost Massachusetts employees are eligible to receive up to:Long-Term Disability Long-term disability coverage can provide lasting income protectionif you remain unable to work beyond a short term disability.Check your plan details to see how pre-existing condition limitationsmight impact your coverage.Pre-existing Condition LimitationsThe maximum is the longest length your disability will be covered. Most disabilities are shorter than the maximum and the length isdetermined by standardized measurements and medical advice.Duration of Benefits·20 weeks of medical leave for employee’s own serious healthcondition; ·12 weeks for the birth, adoption, or foster care placement of achild (bonding); ·26 weeks for care of a covered service member; ·12 weeks qualifying exigency for military leave; and·12 weeks for the care of a family member. Beginning on January 1, 2024, the maximum weekly PFMLbenefit will increase to $1,149.90 and contribution rates willchange. Please reference 2024 Employer Notice to CoveredEmployees for more information.

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates 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.24/7/365 access to careVisit: www.guidanceresources.comCompany/Organization code: HLF902Company Name: ABILICall: 1-800-964-3577Our Employee Assistance Program (EAP) is a confidential service with access toguidance and resources at no cost for: Depression, anxiety, and other mental health concernsFamily relationships and parentingAddiction and substance use disordersFinancial issuesLegal problemsChildcare and eldercareGrief and lossEssentially, if it's part of your life, our EAP is here for you.Everyo ne needs support sometimes (even superheroes).Will anyone know I contacted the EAP?The EAP is confidential. No one will know you called or what was discussed.Who can use the EAP and its services?Full-time employees and their immediate family members; including the employee,spouse and dependent children (unmarried and under 26) who reside with theemployee.Counseling OptionsFor no cost, each household can receive up to 3 calls with a licensed counselor perissue per year. Additional visits, if needed, will go through your health insurance.EAP FAQsEmployee Assistance Program (EAP)Care for your mind and your life. This EAP Program is offered through Ability Assist by The Hartford.National Crisis HelplinesSuicide and Crisis: 988Sexual Assault: 800-656-4673Domestic Violence: 800-799-7233Child Abuse: 800-422-4453Substance Abuse: 800-662-4357Trevor Project: 866-488-7386See a full list of helplines HERE.EAP Flyer

Estate Guidance Will ServicesWhether your assets are few or many, it’s important to have a will.It’s the only way to ensure that your intentions will be honored inthe event of your death. A will states your wishes about who willinherit your property, who will be the guardian of your children, andwho will manage your estate. Without a will, those decisions may beleft to others.Healthcare Support ServiceGet the support you need to help make smarter healthcaredecisions.If you become disabled from an accident or are diagnosed with acritical illness, your first priority should be focusing on yourtreatment and recovery. What you don’t need is more stress aboutyour care options, medical benefits, co-pays and other expenses.Travel AssistanceTravel Assistance begins even before you embark, with pre-tripinformation, and continues throughout your trip. See the list ofservices in the chart on the attached flyer.Funeral Concierge ServicesLosing a loved one is one of life’s most shocking experiences. To helpyou through this difficult time, your employer offers The Hartford’sFuneral Concierge Services.This service helps you make confident, informed decisions, understandyour options, and stay within budget at a difficult time.Additional benefits and perksThere's more to love with these extra benefits through The Hartford. The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates 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.See FlyerSee FlyerSee FlyerSee Flyer

2024-2025 Employer Notices