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YourBenefitsEffective July 2024 - June 2025

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 July 1 – June 30 next year. In general, there are two times you can make benefitselections:Making benefit selectionsGetting startedEnrolling in coverage Open Enrollment is your one chance each year to review your coverage options and make changes to your benefits.Your choices are in effect from July – June of the following year unless you have a qualifying life event. At Open Enrollment Qualifying life events allow you to change your coverage during the year outside of Open Enrollment. These include: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 event

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.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, 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 handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of ProFocus Technology. You can request a paper copy at nocharge from:Madeline KenneyPeople Resources Lead1-503-236-2011mkenney@profocustechnology.comDownload 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, andwe want you to be prepared!

Medical insuranceUnited HealthcareGroup: 14404051-866-801-4409www.uhc.comHealth Savings Account (HSA)WealthCare Saverhttps://help.rippling.com/s/article/1500007998122 Madeline Kenney 1-503-236-2011 mkenney@profocustechnology.comDental insuranceUnumGroup: 8013621-888-400-9304unumdentalcare.comVision insuranceUnumGroup: 8013621-855-652-8686eyemedvisioncare.com/unumLife and AD&D insuranceUnumGroup: 8013621-866-779-1054unum.comDisability insuranceUnumGroup: 8013621-866-779-1054unum.comAdditional benefit optionsUnumGroup: 8013621-866-779-1054unum.com401(k) retirement savingsVestwellContact informationGetting startedYour advocate, M adeline Kenney, is here to help you with claims, IDcards, coverage questions, and more!1-503-236-2011mkenney@profocustechnology.comMonday - Friday, 8:30am-5pm ESTBilingual (Spanish) assistance is available

In-network careDTOHDTOVDTP8Network name:Select PlusSelect PlusSelect PlusAnnual Deductible (DED)Out-of-pocket maximum$500 per person $1,000 family max$3,500 per person $7,000 family max$1,500 per person $3,000 family max$5,500 per person $11,000 family max$5,000 per person $10,000 family max$6,250 per person $12,500 family maxPreventive carePrimary care visitSpecialist visit100% covered$25 copay$40 copay100% covered$30 copay$30 copay100% covered$30 copay$30 copayUrgent careEmergency roomInpatient hospital care$30 copay$250 + you pay 20%DED then you pay 20%$50 copay$350 copayDED then you pay 20%$50 copayDED then you pay 30%DED then you pay 30%Prescription drugsTier 1Tier 2Tier 3Tier 4(31 days | 90 days)$10 copay | $25 copay$20 copay | $50 copay $40 copay | $100 copay N/A(31 days | 90 days)$10 copay | $25 copay$20 copay | $50 copay $40 copay | $100 copay N/A(31 days | 90 days)$10 copay | $25 copay$20 copay | $50 copay $40 copay | $100 copay N/AOut-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$2,500 / $5,000$7,000 / $14,000Balance billing applies$3,000 / $6,000$11,000 / $22,000Balance billing applies$10,000 / $20,000$12,500 / $25,000See plan SBCMedical 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. 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.All 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).Select from five medical options through United Healthcare.See your plan documents for out-of-network benefits. see more plans on the next pageSee plan summarySee plan SBCSee plan summarySee plan SBCSee plan summary

In-network careDTPTDTQKNetwork name:Select PlusSelect PlusAnnual Deductible (DED)Out-of-pocket maximum$5,000 per person $10,000 family max$8,550 per person $17,100 family max$5,000 per person $10,000 family max$6,250 per person $12,500 family maxPre-tax account availabilityN/AHealth Savings Account (HSA)Preventive carePrimary care visitSpecialist visit100% covered100% covered$75 copay100% coveredDED then you pay 20%DED then you pay 20%Urgent careEmergency roomInpatient hospital care$50 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 drugsTier 1Tier 2Tier 3Tier 4(31 days | 90 days)$10 copay | $25 copay$20 copay | $50 copay $40 copay | $100 copay N/A(31 days | 90 days)DED then: $10 copay | $25 copayDED then: $35 copay | $87.50 copay DED then: $70 copay | $175 copay N/AOut-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$10,000 / $20,000$17,100 / $34,200Balance billing applies$10,000 / $20,000$12,500 / $25,000Medical 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.See your plan documents for out-of-network benefits.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).Select from five medical options through United Healthcare.Mental health supportSee plan SBCSee plan summarySee plan SBCSee plan summaryPrimary Care Providers are required to be listed for ALL enrollees on the UnitedHealthcare medical plans. They need toinclude both the Physicians first and last name as well as their Provider ID#.

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. My UHC registrationSee plan detailsPCP RequiredSee plan detailsRallySee plan detailsRX Home DeliverySee plan details

If you coveryourself onlyIf you coverdependents2024 IRS maximumcontribution $4,150$8,300Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.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 HSAs canhelp you save fortoday and tomorrow.You may contribute tax-free funds to save for currentand future health expenses - and retirement!An HSA through WealthCare Saver is paired with a HighDeductible Health Plan (HDHP).Save pre-tax money for health care expenses – or retirement!Contributions HSA funds Using your moneySpend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.The 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-healthcare expenses are subject to taxpenalties. Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free, and come outtax-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. EligibilityIn order to make – or receive – contributions to a HealthSavings Account (HSA), you must:be 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 enrolled in Medicare A or B, Tricare, or VAbenefits.

Access quality care in the convenience of your own home, on your lunchbreak, 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 is here when you need it. Connect with aboard-certified physician 24 hours a day, 7 days a week.Telehealth: virtual health care that fits your scheduleTotal wellbeing:caring for all of youSupport for your health, finances, and life.There are five ingredients to wellbeing — each is just as 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 familyand friends, or participating in activities you enjoy. Think of physical wellbeing as nutrition, staying hydrated,getting rest, 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 agingfamily membersFinancialMental 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.

Employee AssistanceProgram (EAP)EAP features:Confidential. No one at ProFocus Technology will ever know you calledor what was 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.Face-to-face visits. When needed, each person can receive 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.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.Our 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.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support.Confidential care designed for all that life brings.

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). Both 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 Unum will pay each year for dental care (annualmaximum benefit), andwhether orthodontic care is covered.Select from two dental options through Unum.Learn about dental care categoriesIn-network careBase Plan: Passive PPO 1000Buy up Plan: Active PPO 2000with child orthoNetwork name:Unum Dental CareUnum Dental CareAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,000 per person $2,000 per person Preventive care100% covered100% coveredBasic careDED then you pay 20%DED then you pay 10%Major careNot coveredDED then you pay 40%Orthodontic careCoverageLifetime maximum benefitNot coveredN/A50% covered (child to age 19)$1,000 lifetime max benefitSee plan detailsSee plan details

You'll get an annual exam with coverage for lenses and frames, or contactsin lieu of glasses.Your vision coverage is through Unum.Vision 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.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.In-network careUnum Vision Powered by EyeMedNetwork name:EyeMedAnnual eye exam (1 per 12 months)$10 copayMaterials copay(lenses & frames)$10 copayLenses (1 per 12 months)Included in materials copayFrames(1 per 12 months)$130 allowanceContact lenses(1 per 12 months)Elective: $130 allowanceMedically necessary: CoveredSee plan details

Basic lifeBasic AD&DProFocus Technology provides$25,000$25,000See plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000$2,000Coveragemaximum5x your annualearnings to $500,000Your (employee)coverage amount to $500,000$10,000; live birth to 6months: $1,000Medicalquestion limit$100,000$25,000Does 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 Unum.Life and AD&D insuranceWhat's AD&D?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.)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 purchaseadditional life insurance up tothis limit without any medicalquestions required. 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 insuranceProFocus Technology provides life and AD&D insurance at no cost to you.

Benefits beginAfter 14 days of inability to work Coverage amount60% of your income up to $1,800 per weekPayments may continueUp to 11 weeks if you’re unable to return to workSee plan detailsPre-existing conditionlimitations If you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existingcondition limitations mightimpact your coverage.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 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’re unableto work for a shorter period of time. ProFocus Technology provides this coverageat no cost to you.Short-term disability

Additional 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.The money is yours to use as you choose.Accident coverageSee plan detailsHospital Indemnity coverage through Unum pays you acash benefit to help with your expenses - yourdeductible or copays, transportation, groceries andmore - if you or a covered family member is admitted tothe hospital. The money is yours to use as you choose.Hospital indemnitySee plan details

Retirement savings planThe 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 Vestwell.With our company match, we’ll help you along the way.Choose from pre-tax (traditional) or after-tax (Roth) contributions,depending on your need. You can change your contribution amount or pre- orafter-tax election at any time.You can begin deductions after 30 days of your employment. After 6months, you are eligible for ProFocus' discretionary match. Currently,ProFocus matches 50% of the first 3% of the employee’s contributions. Thismatch vests 20% annually and is fully vested after 5 years of employment atProFocus.The basicsThe IRS maximum 401(k) contribution for 2024 is $23,000. If you’re over age50, or will be turning 50 during 2024, 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)? Checkwith your financial advisor to determine the best choice for you. The basicdifferences:Pre-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 aftertaxes. When you withdraw your funds at retirement, they’re tax-free.Contributions

2024-2025 benefits