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YourBenefitsEffective July 2025 - June 2026

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 July 1 – June 30 nextyear. In general, there are three times you can makebenefit 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 July – June of thefollowing year unless you have a qualifying life event.Your benefits begin on the first day of the monthfollowing 30 days of employment; this is your effectivedate. Be sure to submit your selections within your first30 days of employment.Your benefit selections will be in effect through June 30next year. When you're first eligibleAt Open EnrollmentEnroll nowFor 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 or PartnerYou may cover your legal spouse or domestic partner.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).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handle medical bills(2:04)We’re required to tell you about certain rightsand responsibilities you have as an employeeof ProFocus Technology. You can request a paper copy at no chargefrom:Madeline Kenney, People Resources Lead1-503-236-2011mkenney@profocustechnology.comDownload 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 insuranceUnited HealthcareGroup: 14404051-866-801-4409www.uhc.comHealth Savings Account (HSA)WealthCare SaverMadeline Kenney 1-503-236-2011 Email: mkenney@profocustechnology.comhelp.rippling.com/article?articleId=360054481974Dental 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.comEmployee Assistance ProgramUnitedHealthcare EAPGroup: 14404051-888-887-4114uhc.com/member-resources/health-care-programs/employee-assistance-programEmployee Assistance ProgramUnum EAPGroup: 8013621-800-854-1446unum.com/lifebalanceContact informationYour advocate, Madeline Kenney, is here to help you with claims, IDcards, coverage questions, and more!1-503-236-2011mkenney@profocustechnology.comMonday - Friday, 8:30am-5pm PSTBilingual (Spanish) assistance is available

In-network careSelect Plus EK5P / K6 Select Plus DTOV / K6 Network name:Select PlusSelect PlusAnnual Deductible (DED)[Calendar year]$500 per person up to$1,000 family max$1,500 per person up to$3,000 family maxOut of pocket maximum$3,500 per person $7,000 family max$5,500 per person $11,000 family maxPreventive carePrimary care visit*Specialist visitVirtual visit (Telemedical)100% covered$25 copay$40 copay$25 copay/$40 copay100% covered$30 copay$30 copay$30 copayUrgent careEmergency roomInpatient hospital careOutpatient surgery$30 copay$250 + you pay 20%DED then you pay 20%DED then you pay 20%$50 copay$350 copayDED then you pay 20%DED then you pay 20%Prescription drugsPrescription deductibleTier 1Tier 2Tier 3(31 days | 90 days)Does not apply$10 | $25$20 | $50$40 | $100(31 days | 90 days)Does not apply$10 | $25$20 | $50$40 | $100Out-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 / $22,000See plan detailsSee plan detailsSee your plan details for out-of-network information.Each person has their owndeductible with a combinedmaximum for the family.Mail orderMail orderSelect from four medical options through United Healthcare.Medical 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.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).See more plans on the next page.Each person has their owndeductible with a combinedmaximum for the family.*$5 copay/visit for the first 3 Primary Care Physician and/or Outpatient Behavioral Health visits.Primary Care Providers are required to be listed for all enrollees on the United Healthcare medical plans. They need toinclude both the Physicians first and last name as well as their Provider ID#

In-network careSelect Plus DTPT / K6 Select Plus EAPR / 0I Network name:Select PlusSelect PlusAnnual Deductible (DED)[Calendar year]$5,000 per person up to$10,000 family max$5,000 per person up to$10,000 family maxOut of pocket maximum$8,550 per person $17,100 family max$6,250 per person $12,500 family maxPre-tax account availabilityN/AHealth Savings Account (HSA)Preventive carePrimary care visitSpecialist visitVirtual visit (Telemedical)100% covered100% covered$75 copay100% covered/$75 copay100% coveredDED then you pay 20%*DED then you pay 20%DED then you pay 20%Urgent careEmergency roomInpatient hospital careOutpatient surgery$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%DED then you pay 20%DED then you pay 20%Prescription drugsPrescription deductibleTier 1Tier 2Tier 3(31 days | 90 days)Does not apply$10 | $25$20 | $50$40 | $100(31 days | 90 days)Combined with medicalDED then: $10 | $25DED then: $35 | $87.50DED then: $70 | $175Out-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 / $25,000See plan detailsSee plan detailsSee your plan details for out-of-network information.Each person has their owndeductible with a combinedmaximum for the family.Mail orderMail orderSelect from four medical options through United Healthcare.Medical 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.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).Each person has their owndeductible with a combinedmaximum for the family.*DED then $5 copay/visit for any of the first 3 Primary Care Physician and/or Outpatient Behavioral Health visits.Primary Care Providers are required to be listed for all enrollees on the United Healthcare medical plans. They need toinclude both the Physicians first and last name as well as their Provider ID#

Additional perksUHC RewardsSee plan detailsOne Pass SelectSee plan details24/7 Virtual VisitsSee plan detailsPCP RequiredSee 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.My UHC RegistrationSee plan detailsRallySee plan detailsBehavioral Health SolutionsSee plan details

If you coveryourself onlyIf you coverdependents2025 IRS maximumcontribution $4,300$8,55055 or older? You can contribute an extra $1,000 peryear in catch-up contributions.You may contribute tax-free funds to save for currentand future health expenses - and 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;regular income tax will still apply. 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, orcertain VA benefits.Save pre-tax money for health care expenses – or retirement!Health SavingsAccount (HSA)An HSA through WealthCare Saver is paired with a HighDeductible Health Plan (HDHP).Learn how HSAs can help yousave for today and tomorrow.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.

Mental health Support for your health, finances, and life.Mental health care ishealth care.Managing work, family,relationships, and finances can betough. Our Employee Assistance Program(EAP) provides you and your familywith no-cost, confidentialassistance with all things related toyour life. 24/7/365.Access no-cost monthly resources designed to support your wellbeing,understand your benefits, and manage your 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 healthresources on a platform built withyour mobile device in mind. The Mental Health Hub includes:Tips for managing day-to-daystressors,Resources for times of crisis, Practical information aboutmental 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 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.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.When needed, each person can receive face-to-face (or virtual) visits with alicensed counselor per issue per year. At no cost. Additional visits - if needed- 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.Unum EAP Flyer for EmployeesUnum EAP Medical Bill Saver FlyerUHC EAP Flyer for Employees

In-network careBuy Up: Active PPO 50/2000Base: Passive PPO/Limitedbenefits 50/1000 Network name:Dental PPO Dental PPO Annual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$2,000 per person $1,000 per person Preventive care100% covered100% coveredBasic careDED then you pay 10%DED then you pay 20%Major careDED then you pay 40%Not coveredOrthodontic careCoverageLifetime maximum benefit50% covered (child to age 19)$1,000 lifetime max benefitNot coveredN/ASee plan detailsSee 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 Unum.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 Unum 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 careEyeMed Vision Network name:EyeMedAnnual eye exam (1 per 12 months)$10 copayMaterials copay(lenses)$10 copayLenses (1 per 12 months)Included in materials copayFrames(1 per 12 months)$130 allowanceContact lenses(1 per 12 months)Elective: $130 allowanceMed. nec: CoveredSee 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.You'll get an annual exam with coverage for lenses and frames, or contacts inlieu 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. 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.

Basic lifeBasic AD&DProFocus Technology provides$25,000$25,000See plan detailsFor youFor your spouseFor yourchild(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: $1,000)Medicalquestion limit$100,000$25,000Does not applyYou may also purchase additional coverage for you, your spouse, and youreligible child(ren). Voluntary 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&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 insuranceProFocus Technology 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.

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 Wish you knew more aboutfinances? Now you can - atno cost!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’reunable to work for a shorter period of time. ProFocus Technology providesthis coverage at no cost to you.Short-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.

Additional benefit plans are available for purchase, and agreat way to customize your benefits package.See plan detailsAccident 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 coverageAdditionalbenefit optionsThe 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.

2025-2026 benefits