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2024BenefitsReviewEffective January - December 2024

What’s New? Dental, Life, Voluntary Life, Short Term Disability, Long Term Disability, Critical Illness and Accident coverages moving to MetLife! Dental Plan Maximum is increasing to $1,750!

What you need to doAction is required to be enrolled in benefits in 2024. Getting StartedYour enrollment checklist: Review your options and consider your needs Covering someone new? You’ll need their date of birth and valid SSN to add them to coverage.  Enroll online  Submit your elections by December 4th. Be sure to print or save your confirmation page!

MedicalHDHP 3000/6000 HDHP 2500/5000Hospital Deductible PlanDeductible (DED) (Single/Family)$3,000 / $6,000 $ 2,500 / $5,000 $3,000 / $6,000Out-Of-Pocket Maximum (Single/Family)$4,500/$9,000 $5,000/$7,500 $4,000/$8,000Office Visits (PCP/Specialist)20% after Deductible 0% after Deductible $30/$45 CopayUrgent Care 20% after Deductible 0% after Deductible $75 CopayEmergency Room 20% after Deductible 0% after Deductible $150 CopayHospital (Out/Inpatient)20% after Deductible 0% after Deductible 0% after DeductiblePrescription (30 Day Retail)$5/$25/$40 after Deductible$5/$25/$40 after Deductible$5/$25/$40 Out of Network Coverage?Yes Yes YesFor out of network coverage reference your plan documents.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs a ll 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.

Anthem’s app is simple, smart — and all about you.With Sydney, you can find everything you need to know about your medical benefits all in one place. Sydney makes it easier to get things done, so you can spend more time focused on your health.Sydney Mobile AppSimple. Ready for you to use quickly, easily, seamlessly — with one-click access to benefits info, Member Services, wellness resources and more.Smart. Sydney acts like a personal healthguide, answering your questions and connecting you to the right resources at the right time. And you can use the interactive chat to get answers quickly.Personal. Get alerts, reminders and tipsdirectly from Sydney. Get personalized doctor suggestions based on your needs. The more you use it, the more Sydney can help you stay healthy and save money.

Health Savings Account (HSA)55 or older? You can contribute an extra $1,000 per year in catch-up contributions.The combination of your contributions and your employers cannot exceed the IRS limits.Employee Only Family2023 IRS maximum contribution $3,850 $7,7502024 IRS maximum contribution$4,150 $8,300Employer Contribution$1,000 $2,000All funds deposited are pre-tax.An HSA is a bank account offered exclusively to enrollers in the high deductible health plan (HDHP). All funds contributed to an HSA are yours and will remain in your bank account until you spend them.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs a ll 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.

Health Savings Account (HSA)Key Details:• The money contributed is triple tax free!• Your contributions lower your taxable income• The money spent is tax free• The money grows and can be invested tax free• The money can ONLY be spent on qualified Medical, Dental, and Vision expenses.• The HSA is a bank account, so if you leave employment you keep the account and the funds.You CANNOT contribute to an HSA if:• You are enrolled in Medicaid and Medicare• You can be claimed as someone else's tax dependent• You or your spouse (even if you are not enrolled in your spouse’s medical plan) are enrolled in a Full Purpose FSA.• You are not enrolled in a qualified High Deductible Health Plan (HDHP)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs a ll 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.

Flexible Spending Accounts (FSAs)Set aside pre-tax dollars to pay for qualified expenses. An FSA is not a bank account, instead it is a form of self-insuranceFull Purpose FSADependent Care Account (DCA)Commuter AccountsAllowed ExpensesMedical, Dental, and VisionChildcare and adult daycareParking and Transit2024 IRS maximum contribution limit$3,200 $5,000Parking: $315Transit: $315Annual Rollover Maximum$640Rollover not allowed by IRSYour balance rolls over month to monthBalance AvailabilityFull annual election available day oneFunds available as they are depositedFunds available as they are depositedSpecial ConsiderationsYou cannot also contribute to an HSAFunds can only be spent on care activities during your (and our spouses) work hours.Funds are forfeited if you leave employmentThe 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.

Dental In-NetworkAnnual Deductible (DED) (Single/Family)$0 / $0Annual Benefit Maximum$ 1,750Preventive CarePlan Pays 100%Basic CarePlan Pays 100%Major carePlan Pays 60%Out of Network Coverage?YesFor out of network coverage reference your plan documents.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.

Finding a Dental ProviderThe 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.With MetLife Dental Insurance, you can choose from thousands of general dentists and specialist nationwide. You can find the names, addresses, languages spoken and phone numbers of participating dentists by searching our online Find a Dentist directory.Note: MetLife does not issue ID cards. Simply let your provider know you are enrolled with MetLife and provide the last four digits of your social security number. You can also find your digital ID on the MetLife App.

VisionIn NetworkRoutine Eye Exam $ 10 CopaySingle Vision LensesBifocal LensesProgressive Lenses$ 30 CopayContactsinstead of glass lensesUp to $130 AllowanceContact Lens Fitting & Follow-UpUp to $60 AllowanceFrames Up to $130 AllowanceFrequency of ServicesLenses: Every Calendar YearFrames: Every Other Calendar YearContact Lenses: Every Calendar YearFor out of network coverage reference your plan documents.Your 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.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.

Basic Life & Basic AD&DCoverage 2x Earnings up to $175,000Employee Spouse Child(ren)Coverage increments $10,000 $5,000 $2,000Guarantee Issue $100,000 $15,000 $10,000Maximum$5x Base Annual Earnings to $500,000100% of Employee Amount up to $250,000$10,000Life and AD&D insuranceBasic life and AD&D insuranceMake sure to designate a beneficiary for your life insurance coverage to ensure your loved ones are cared for according to your wishes.Additional life and AD&D insuranceElecting an amount over the Guarantee Issue (GI)? Are you a late enrollee (declined coverage when first eligible)? If you answered yes to either or both questions, you must complete an Evidence of Insurability (EOI) form.*If you are currently enrolled in Voluntary Life, you can increase your election by $10,000 up to the Guarantee Issue without EOI.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.

Plan Type Employer Funded CoverageWeekly Covered income60% of your income to $1,200 maximumAccident Benefit Begins8th DaySickness Benefit Begins8th DayMaximum Duration Of Benefits12 WeeksDisability insuranceShort-term disability Long-term disability Plan Type Employer Funded CoverageWeekly Covered income60% of your income to $5,000 maximumElimination Period90 DaysMaximum Duration Of Benefits2 Years/ SSNRADuration of BenefitsThe maximum is the longest length your disability will be covered. Most disabilities are shorter than the maximum and the length is determined by standardized measurements and medical advice.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.

Always be prepared for the unexpected Accident coverageAccident coverage pays you a cash benefit for events like: stitches, an emergency room visit, ambulance ride, broken bone, concussion, and much more. You cannot plan for an accident, but you can help protect your wallet! This benefit pays a lump sum directly to you to spend however you need. You can spend the money on medical bills - or use it for parking, groceries, a babysitter, etc.Critical Illness coverageCritical illness coverage pays you a cash benefit when you experience a critical illness - your plan may include coverage for: cancer, stroke, heart attack, organ transplants, coronary bypass, and more. Critical illnesses are often unexpected and can come with a high cost for a prolonged period of time. Use the payment you receive to pay bills, buy groceries, cover expense while away from work, etc.Health Screening Benefit: MetLife will provide $50 per calendar year for taking one of the eligible screening/prevention measures. 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.

Employee Assistance Program (EAP) An Employee Assistance Program (EAP) is an employer-paid benefit that helps you manage life’s curveballs through complimentary and confidential benefits that include counseling, support, and resources for a variety of personal issues. Your EAP allows you to receive the below counseling services at no cost.Unlimited Telephone ConsultationsAvailable 24/7Can be used by you AND your familyThe 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.

Your Benefitsall in one placeHumans only remember 5% of what they have learned in a presentation.Brush up on all you benefits at any time, in the palm of your hand!

Benefits don’t need to be complicated! Let our team help resolve your benefits questions, while equipping you with the benefits knowledge you need to better understand your coverage.Employee Benefit Help Center (EBHC)Available by Phone or email, Monday – Friday 8am – 5pmwecanhelp@onedigital.com833-268-5528

Enr oll nowOPEN ENROLLMENTTime to enrollOpen enrollment is November 27th– December 4thCoverage is effective January - December 2024 Ensure you have access to ADP and submit selections by December 4th. Come prepared with dates of birth, social security numbers, and legal names of any dependents you with to enroll in benefits. And remember to review your beneficiaries. Complete and submit your EOI Form if your enrollment requires it.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.

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