Your BenefitsEffective January – December 2025
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.Get ready for open enrollment! What we’ll be discussing• Your team at OneDigital • Pulmonx Corporate Benefit Philosophy• Open enrollment – important information• Benefits overview • Next steps & questions
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.Help when you need itYour team at OneDigitalContact your OneDigital Advocate for support with: • Benefits and coverage questions• Billing issues, claims, and appeals• Processing enrollment changes and locating ID cards• Locating in-network providers • And more! Sabrina Dokessabrina.dokes@onedigital.com| (925) 407-1178
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.Provide comprehensive and flexible benefits programsPulmonx Corporation Benefits PhilosophyProvide industry competitive benefitsSupport a healthy workforceImprove employees’ understanding of benefits offerings and their valueKeep more money in YOUR pocket!Promote healthy behaviors & health consumerism when accessing care
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.Pulmonx offers you and your eligible family members a comprehensive and valuable benefits program, that is built on three core pillars of health:Physical HealthEmotional HealthFinancial Health Medical Kaiser HMO (CA Only) Kaiser HDHP HMO (CA Only) Cigna OA-20 Cigna PPO (two plans) Cigna HDHP PPO Supplemental Health Plans Dental PPO Vision PPO Lincoln Financial Group Employee Assistance Plan Kaiser Medical Plan Resources Virtual Care Calm App Health Classes Support Groups Cigna Medical Plan Resources Virtual Care Talkspace Meru Health Happify Lincoln Financial Group Basic Life & Voluntary Life Lincoln Financial Group Short-Term and Long-Term Disability Tax Advantage Spending Accounts Flexible Spending Accounts Health Care Limited Purpose Dependent Care Commuter Health Savings Account 401(k) Retirement Plan
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.What you need to knowBenefits Open EnrollmentHere’s what’s coming:Medical Plans• Deductibles change for Kaiser and Cigna HDHP due to IRS mandated changes• Changes to Cigna medical deductibles and copays Alignment with the ongoing shifts in healthcare costs Out-of-pocket expenses before insurance kicks in Essential to ensure sustainability of our health plan offeringsContributions• Log into ADP or review your benefit guide to see your 2025 per pay period premiumsNew Voluntary Plans for 2025• We’re excited to announce addition of Lincoln Voluntary plans. This includes Voluntary Life Insurance and Supplemental Health Plans. More information in your benefit guide and later in this presentation. Open enrollment is November 11 – November 25Coverage is effective January 1 – December 31, 2025
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.What you need to doBenefits Open EnrollmentYour enrollment checklist:• Review your options and consider your needs• If enrolled in a HDHP, you can either re-elect a new 2025 deferral amount or put $0, in order to receive the Pulmonx contribution• Covering someone new? You’ll need their date of birth and a valid SSN to add them to coverage• Enroll online on ADP • Submit your elections by 11:59pm EST on November 25. Be sure to print or save your confirmation page!! You must log into ADP to elect your 2025 benefits. It is important you verify all your elections in ADP prior to Open Enrollment closing. You must re-elect FSA & HSA pre-tax deferrals in 2025. Plus, there are some new benefits you can add to enhance your overall financial and wellbeing.
Medical Benefits
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.Kaiser Medical InsurancePulmonx’ s HMO & HDHP HMO plans with Kaiser offer benefits in-network only. You are required to elect a PCP. A referral is required to see a specialist.Available to California OnlyDownload the Kaiser app to help you manage your care. Visit kp.org/mobileAll plans offer:• ACA preventive exams covered at 100% (in-network)• ACA $0 prescriptions (limited list)• Prescription drug coverage with mail order options• Virtual doctor visits• Website and app resources• Member PerksYou may search for Kaiser providers at: kaiserpermanente.org/southern-california/doctors-locations#/simple-form
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.Cigna Medical InsurancePulmonx’ s OA-20 plan with Cigna offers benefits in-network only. No PCP election required but encouraged. No specialist referral required.Open Access - available in all states!Download the Cigna app to search for network providers, access your digital ID card, and more. Register on www.mycigna.comIN-NETWORKOUT-OF-NETWORK• Higher benefits• Negotiated rates• Lower cost• Access to providersnationwide• No coverageThe OA-20 plan provides:• ACA preventive exams covered at 100% (in-network)• ACA $0 prescriptions (limited list)• Prescription drug coverage with mail-order options• Virtual doctor visits• Website and app resources• Member PerksYou may search for in-network providers at: https://hcpdirectory.cigna.com/web/public/consumer/directory/search
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.Cigna Medical InsurancePulmonx’s PPO 20-350, PPO 30-750 and HDHP PPO $1650 plans with Cigna offer in- and out-of-network benefits. No PCP election required but encouraged. No specialist referral required.PPO & HDHP PPO – available in all states!Download the Cigna app to search for network providers, access your digital ID card, and more. Register on www.mycigna.comIN-NETWORKOUT-OF-NETWORK• Higher benefits• Negotiated rates• Lower cost option• Access to providers nationwide• Lower benefits• Higher cost optionAll plans offer:• ACA preventive exams covered at 100% (in-network)• ACA $0 prescriptions (limited list)• Prescription drug coverage with mail-order options• Virtual doctor visits• Website and app resources• Member PerksYou may search for in-network providers at: https://hcpdirectory.cigna.com/web/public/consumer/directory/search
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.Medical Plan Coverage OverviewThis is a brief overview; see your benefit guide for detailsPlan FeaturesKaiser HMO(CA Only)Kaiser HDHP HMO(CA Only)Cigna OA 20 Cigna PPO 20-350Cigna PPO 30-750Cigna HDHP PPO$1650Network OptionsIn-network only In-network only In-network only In- and out-of-network* In- and out-of-network* In- and out-of-network*Deductible – Single / FamilyNone $1,650 / $3,300^ None $350 / $750^ $750 / $2,250^ $1,650 / $3,300^Coinsurance0% 10% 0% 10% 20% 10%Out-of-Pocket Max – Single / Family$2,000 / $4,000 $3,300 / $6,600^ $2,500 / $5,000^ $3,000 / $6,000^ $5,250 / $10,500^ $3,500 / $7,000^Tax-Favored Account Options FSA eligibleHSA eligible (Pulmonx HSA Contribution applies)Limited Purpose FSAFSA eligible FSA eligible FSA eligibleHSA eligible (Pulmonx HSA Contribution applies)Limited Purpose FSAPreventive Care Covered at 100% Covered at 100% Covered at 100% Covered at 100% Covered at 100% Covered at 100%Primary Care Office Visit $20 copay 10% after deductible $20 copay $20 copay $30 copay 10% after deductibleSpecialist Visit $20 copay 10% after deductible $25 copay $30 copay $40 copay 10% after deductibleUrgent Care $20 copay 10% after deductible $20 copay $20 copay $30 copay 10% after deductibleEmergency Room (waived if admitted)$200 copay 10% after deductible $150 copay 10% after deductible 20% after deductible $150 copay after deductibleRetail Prescriptions (30-day) Tier 1 / Tier 2 / Tier 3 / Specialty$15 / $30 / $30 / 30% up to $250$10 / $30 / $30 / 20% up to $250 after deductible$10 / $30 / $60 / 20% up to $250$10 / $30 / $50 / 30% up to $250$10 / $30 / $50 / 30% up to $250$10 / $25 / $40 / 30% up to $250 after deductible*In-network benefits illustrated only. See carrier summary for out-of-network coverage and limits. **The entire deductible must be met before the plan pays coinsurance benefits for any one family member. ^Each person in the family has their own deductible or out of pocket maximum up to the family aggregate total.
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.Out-of-pocket maximumAnnual maximum cost for covered in-network careBudget tip: know your maximum annual liability!Cost for coverageTotal cost for the yearMaximum annual liabilityYour maximum cost for coverage & careMedical Insurance – Cost for CoverageYour cost for coverageKaiser - HMO (CA only)Kaiser - HDHP HMO $1650 (CA only)Cigna - OA 20 Cigna - PPO 20-350 Cigna - PPO 30-750 Cigna - HDHP PPO $1650Out-of-pocket maximum$2,000 individual coverage$2,000 individual in a family up to$4,000 family maximum$3,300 individual coverage$3,300 individual in a family up to$6,600 family maximum$2,500 individual coverage$2,500 individual in a family up to$5,000 family maximum$3,000 individual coverage$3,000 individual in a family up to$6,000 family maximum$5,250 individual coverage$5,250 individual in a family up to$10,500 family maximum$3,500 per person$7,000 family maximumYour per-pay-period cost for coverage (Semi-Monthly)Employee only$52.50 $20.00 $42.50 $65.00$25.00 $12.50Employee + spouse$187.50 $117.50 $185.00 $245.00$162.50 $127.50Employee + child(ren)$162.50 $92.50 $150.00 $180.00$120.00 $95.00Employee + family$252.50 $155.00 $262.50 $330.00$230.00 $155.00
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.Selecting a Medical PlanAt Pulmonx, you can select from multiple medical plan options to meet your and your family’s needs.Which plan is right for you?HMO’s OA PPO HDHP’s1. I’d like a plan with the lowest per paycheck cost.2. I’m generally healthy and do not anticipate needing much health care in 2024. I’d like a plan that’s likely to cost me the least, and I’m willing to see only in-network providers.3. I have a chronic condition and anticipate needing a lot of health care in 2024. I’d like a plan that’s likely to cost me the least, and I’m willing to see only in-network providers.4. I’d like a plan that offers the flexibility for me and my family to have coverage while seeing out-of-network providers.5. I’d like a plan that allows me to save money on a tax advantaged basis for future health expenses6. I’d like a plan that allows me to pay a small, fixed amount when I visit my in-network doctors, and not a high deductible amount.7. If you want to keep more money in your pocket instead of sending it to the insurance company, choose this plan.
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.Updates to Your Pharmacy BenefitsIntroduction of Cigna Member Choice ProgramKey Highlights:• Expanded 90-Day Pharmacy Network: Includes Walgreens and CVS.• Anchor Pharmacy Assignment: Based on previous prescription history.• More Options, More Savings: Access to major chains, local independent, grocery store, and wholesale warehouse pharmacies.• Home Delivery Convenience: 90-day prescriptions via Express Scripts® Pharmacy.• 24/7 Support: Available via phone or chat on myCigna website.Frequently Asked Questions:1. Prescription Changes: No need to change all prescriptions to Walgreens or CVS.2. Changing Anchor Pharmacy: Allowed once per calendar year.3. Expected Changes: Default assignment to Walgreens or CVS based on utilization history.Access more information about the program by clicking here
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.Ways to Save on PrescriptionsTo view the Cigna prescription list, click here. To view the Kaiser prescription list, click here, Formulary List Name: California Commercial HMO Formulary. Note: Link to Kaiser prescription list is updated monthly.Generics,generics,generics! Generic prescriptions are significantly less expensive than name brand prescriptions Ask your doctor for recommendationsUse mail-order to save money and add convenience Save time at the pharmacy when you switch to 90 day Ask your doctor to update your maintenance prescription Can set up mail order or continue to go to thepharmacy You may need to switch pharmacies Get 3 months for the price of 2 when using mail orderOneDigital Discount Card Coupon Card that can be used in addition to insurance Save up to 90% on out-of-pocket costs Use the OneDigitalDrug DiscountCard at checkout Simply present coupons and insurance card at the pharmacyAccess the Cigna or Kaiser website tools Find network pharmacies Set up reminders Fill new prescriptions Transferprescriptions to home deliveryCigna Member Choice Program Expanded 90-Day Pharmacy Network: Includes Walgreens and CVS. More Options, More Savings: Access to major chains, local independent, grocery store, and wholesale warehouse pharmacies. Home Delivery Convenience: 90-day prescriptions via Express Scripts® Pharmacy. 24/7 Support: Available via phone or chat on myCigna website.
Spending & Savings Accounts
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.Pay for Health Care with Tax-free MoneyYour tax-saving options are based on medical plan enrollmentHealth Savings Account (HSA)• 2025 Annual limit - $3,300• No Pulmonx contribution available• “Use it or lose it” – amounts of $660 or less can be carried over into the 2026 plan year – amounts over $660 are forfeited• Elected funds, even ones you have not contributed yet are available 1st day of plan• 2025 Annual limit - $4,300 single/ $8,550 family• Pulmonx contributes $850 for employee only and $1,700 for family• All unused funds carry over and can build over time with investment options once your reach a certain balance• Funds are only available once they are contributed to the accountKaiser HMO / Cigna OA / Cigna PPO PlansCigna HDHP PPO & Kaiser HDHP HMO PlansCigna HDHP PPO & Kaiser HDHP HMO PlansLimited Purpose Health Care Flexible Spending Account• 2025 Annual limit - $3,300• No Pulmonx contribution available• “Use it or lose it” – amounts of $660 or less can be carried over into the 2026 plan year – amounts over $660 are forfeited• Can only be used for qualified dental and vision expenses.• Elected funds, even ones you have not contributed yet are available 1st day of planHealth Care Flexible Spending Account (FSA)
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.Health Savings Account (HSA)How does Health Savings Account (HSA) work?– Employee-owned savings account that can be used to pay for qualified medical, dental or vision expenses not covered by the health plans– HSA must be paired with a high-deductible health plan– HSA is easy to use – it works like a debit card that is linked to the funds in your account– Money goes in, grows, and comes out tax-free when used for qualifying health expenses, and it never expires! Eligible expenses include:– HSA is easy to use – it works like a debit card that is linked to the funds in your account– Doctor, dentist, and optometry visits– Prescription medication and medical equipment– Lab exams/tests (X-rays, CAT scans, MRIs, bloodwork)– Therapy services, hearing services and supplies– Certain over-the-counter (OTC) medications without the need of a prescriptionTo refer to the full list of HSA eligible expenses, visit: https://hsastore.com/hsa-eligibility-list Why HSA? Triple Tax Benefits:1. HSA contributions are not subject to federal or state income taxes,1. Unless you live in California or New Jersey, state income tax will apply to HSA contributions, including those from Pulmonx. 2. Interest and investment earnings on the account are tax-free*3. Funds withdrawn from the account for qualified expenses are tax-free*HSA elections must be made each year
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.HSA Contributions• Pulmonx makes contributions to your HSA account (so long as you meet eligibility criteria)• If you enroll in a HDHP you, you must select the HSA in ADP to ensure you receive your Pulmonx contribution.• HSA contributions are subject to the IRS limit• Cannot have disqualifying coverage such as other non-HDHP health plan, spouse’s FSA plan, Medicare, MediCal, Medicaid, etc. Are you eligible for an HSA? You’re eligible once you’re enrolled in a qualified high-deductible health plan, with a few exceptions. You may not have: Medicare or TRICARE® Other health coverage that pays out-of-pocket health care expenses before you meet your plan deductible A general-purpose health care flexible spending account or health reimbursement arrangement in the same year Veterans Affairs medical benefits used in the last three months, unless the hospital care or medical services were for a service-connected disability Someone claim you as a dependent on their tax returnAnnual Contribution by Coverage TierPulmonxNew Hires Effective January 1st – June 30thPulmonx New Hires Effective July 1st – December 31st Your Annual Contribution Limit2025 Annual IRS Limit*Employee Only $850* $425* Up to $3,450 $4,300Employee + Spouse $1,700* $850* Up to $3,450 $8,550Employee + Child(ren) $1,700* $850* Up to $6,850 $8,550Employee + Family $1,700* $850* Up to $6,850 $8,550*Ages 55 – 65 can contribute an additional $1,000 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. 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.How do HSA’s WorkSavings with an HDHP & HSAIndividualPulmonx Contributes$850+YOU PAY$800DEDUCTIBLEOUT-OF-POCKET MAXIMUMIncludes DeductibleIN-NETWORK$1,650PLAN PAYS90%+YOU PAY10%All ExpensesIN-NETWORK PREVENTIVE CARE IS COVERED BY THE PLAN AT 100%Kaiser - $3,300Cigna - $3,500 PLAN PAYS 100%All services except preventive care are subject to deductible.When you enroll in a high deductible health plan, you must also select the Health Savings Account (HSA) in ADP to ensure you receive the Pulmonx contribution. Please note, it will ask you to select an employee contribution as well. If you do not wish to contribute any additional money to the HSA then you may select $0 for employee contributions.
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.Flexible Spending Accounts (FSAs)• Medical, prescription, dental and vision expenses.• Not available if you or your spouse is contributing to an HSA.• Contribute up to $3,300 for the year.• Roll over up to $660 in unused expenses to the following year; the rest is forfeited.Limited purpose FSAHealth care FSA• Dental and vision expenses only. • Available when you or your spouse is contributing to an HSA.• Contribute up to $3,300 for the year.• Roll over up to $660 in unused expenses to the following year; the rest is forfeited.
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.• Elect funds on a monthly basis (not annual) directly in www.goigoe.com.• Parking or transit expenses related to work – not reimbursable business travel. • See your benefits guide for eligible expenses• Contribute up to $325 each month.Flexible Spending Accounts (FSAs)Dependent care FSATransit/parking FSA• Day care for children under 13, disabled older children, or dependent adults.• Care must allow you and your spouse (if married) to work, attend school, or look for work.• Contribute up to $5,000 for the year.• Married filing as single? Contribute up to $2,500 per person.
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.Benefits Card - IgoeHow It Works• Your Benefits Card gives you easy access to funds in your tax-advantaged benefit accounts. Simply swipe the card at the point of sale or provide your card details to pay a bill. Your Benefits Card is a stored value card - similar to a gift card Transactions will only be allowed up to the balance that you have available in your account Should a card denial occur, you can request reimbursement of the expense Your Benefits Card is designed to work at eligible merchant locations that accept MasterCard Remember to obtain a detailed receipt for all transactionsThis is merely a summary of benefits for comparison only. Please refer to the formal plan documents for details.
Dental & Vision Benefits
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.Dental & Vision InsuranceDental:• One plan option; offers in- and out-of-network coverage. • Covers in-network preventive care at 100%, basic, major, and orthodontic care for children & adults• Coverage is through Cigna using the Cigna network.• Cigna does not automatically provide physical ID Cards. Access your digital ID card through myCigna.com® and the myCigna® app. For quick access register online at myCigna.com®. If you wish to request a physical ID card, you may do so through your online account or by calling Cigna directly.Vision:• This plan covers annual exams, lenses, and frames, or contacts. • Offers in- and out-of-network coverage. Coverage is through the Vision Service Plan (VSP) using the VSP Signature Network.• VSP does not automatically provide physical ID Cards. Access your digital ID card through the VSP app. Dental and Vision enrollments are bundled together**Your contributions for the benefits you elect are deducted from your pay before income and social security taxes which means do not pay federal income tax, Social Security tax or Medicare tax on the amount of your premium payments each pay period. Domestic partner contributions are post-tax and the employer contribution for domestic partners is imputed as income per IRS.
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.Dental InsurancePlan overviewIn-network benefitsDental PPONetwork nameCignaAnnual deductible$50 per person$150 family maxAnnual benefit maximum$2,500 per personIn-network preventive care 100% coveredBasic careDED then you pay 10%Major careImplant CoverageDED then you pay 40%Available (DED then you pay 40%)Orthodontics50% covered (Child & Adult)$1,500 lifetime max benefitYour per-pay-period cost for coverage (bundled with vision)Employee only$5.00Employee + 1 Dependent $10.00Employee + 2 or More Dependents $15.00
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.Vision InsurancePlan overviewIn-network benefitsVision Service Plan (VSP)Network nameVSP Signature NetworkAnnual eye exam(every 12 months)$10 copayMaterials Copay(lenses & frames)$25 copayLenses(every 12 months)No charge after copay for the following lenses: Single Vision; Lined Bifocal; Lined Trifocal; and Lenticular.Frames(every 12 months)$150 allowanceContact Lenses(every 12 months)Elective: $150 allowanceMedically necessary: 100% coveredYour per-pay-period cost for coverage (bundled with dental)Employee onlyIncluded in dental costEmployee + 1 Dependent Included in dental costEmployee + 2 or More Dependents Included in dental costYour 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.
Mental Health Benefits
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)Confidential care for all that life brings• Our Employee Assistance Plan (EAP) is a confidential service with access to guidance 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• and more• Includes up to 5 face-to-face visits at no cost24/7/365 access to care 1-888-628-4824www.guidanceresources.comUsername: LFGsupport | Password: LFGsupport1
Income Protection & Supplemental Health Plans
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.Disability InsurancePaycheck protection through Lincoln Financial GroupLong-term disabilityShort-term disabilityBenefits beginAfter 7 days of inability to workCoverage amount60% of your income up to $3,500 per weekPayments may continueUp to 26 weeks if you’re unable to return to workProvided by Pulmonx at no cost to youBenefits beginAfter 180 days of inability to work (once short-term disability ends)Coverage amount66.67% of your income up to $14,000 per monthPayments may continueLater of Age 65 or SSNRAProvided by Pulmonx at no cost to youSee your plan details for the definition of unable to work.
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.Life and AD&D InsuranceFinancial protection through Lincoln Financial GroupBasic life Basic AD&DPulmonx provides2x your annual salaryup to $500,0002x your annual salaryup to $500,000Basic life and AD&D insuranceMake sure to designate a beneficiary for your life insurance coverage to ensure your family is cared for according to your wishes.See your benefit guide for information on medical questions, key terms, and cost.For you For your spouseFor your child(ren) - Age 26 (Life only)Coverage increments$10,000 $5,000 $10,000Coverage maximum$500,000, not to exceed 5x of employee’s salary50% of employee’s benefit amount, not to exceed 2.5x of employee’s salary14 days - 6 months: $250 6 months to age 26: $10,000Medical question limit $200,000 $30,000 Does not applyVoluntary life and AD&D 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 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.Supplemental Health PlansAccident Coverage• Available through Lincoln Financial Group• Helps with costs due to a covered accident*Pays you a cash benefit to use as you chooseHospital Indemnity• Available through Lincoln Financial Group• Helps with costs due to being admitted to the hospital*Pays you a cash benefit to use as you chooseCritical Illness• Available through Lincoln Financial Group• Pays you a cash benefit when you’re diagnosed with a covered critical illness*If you elect the Accident or Hospital Indemnity coverage, each of these include a health assessment benefit payable to you in the amount of $50.This can include:Annual PhysicalDental examEye examChild immunizationsSee benefit guide for plan details
Retirement Benefits
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.401(k) Retirement Savings for the future through Empower Retirement401(k) Employee Contribution Limits• 2025 limit = $23,500• Additional $7,500 catch-up for 50 & over or will be turning 50 in 2025 What's new!• January 1, 2025, ages 60, 61, 62 and 63 - save an extra $10,000 or 150% of the regular catch-up amount in 2025 catch-up contributions To opt out and make changes, login to Empower website Participant's responsibility to monitor contributions and make election changes• January 1, 2026, if you earned over $145,000 in FICA compensation last year, catch-up contributions must be made as Roth contributions.It may take one or two payroll cycles to have the changes to show on your paycheck. Note that the standard limit resumes the year you turn 64Pre-tax (traditional) or after-tax (Roth), basic differences: • Pre-tax: your contributions come out of your paycheck before Federal and state taxes but after FICA (Medicare and Social Security) taxes. You’ll pay regular income tax when you withdraw your money at retirement.• Roth (after-tax): your contributions come out of your paycheck after taxes. When you withdraw your funds at retirement, they’re tax-free.Check with your financial advisor to determine the best choice for you.How to register your account:Log into your account at empowermyretirement.com• Go to our plan website and select Register.• Choose the I do not have a PIN tab• Follow the prompts to create your username and password.Note: The 401(k) plan is managed through Empower Retirement directly, not in ADP. For more information on your 401(k)k), please contact Empower Retirement at 800-338-4015 or visit www.empowermyretirement.com
Perks & Wellness
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.Lincoln Financial Value Add Programs – No CostLifeKeysCan help you with a range of services 24/7 including:• Help with important life matters such as legal, financial, family and career• Protection against identity theft• Online will preparation• Guidance and support for your beneficiaries such grief counseling and legal support• Save money on shopping and entertainmentPhone: 1-855-891-3684Website: GuidanceResources.com Mobile App: GuidanceNowWeb ID: LifeKeysTravelConnectSupport for emergencies while traveling 100 + miles from home:• Arranging travel if you’re injured and need emergency evacuation to medical facility• Managing travel for a companion/or your dependent children, including transportation expenses and accommodations of a qualified escort• Planning and paying for safe evacuation because of a natural disaster or political or security threat• Arranging transportation of a deceased traveler• Securing emergency pet boarding and/or return and vehicle returnPhone: 866-525-1955 from U.S. or Canada603-328-1955 from anywhere in the world Email: MyOnCallPortal.comGroup ID: LFGTravel123
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.Wellness Program (Terryberry – previously known as Walker Tracker)• In support of our Pillars of Health, we are pleased to provide our employees with a wellness program. • Our goal is to support each employee in your individual journey with tools, resources, and fun opportunities to improve your health and wellbeing.• As part of our wellness program, we provide monthly wellness newsletters on topics we hope you find beneficial to your health, as well as several webinars and meditations offered by our broker OneDigital. • Throughout the year, we run various challenges to provide motivation to invest in your health. Challenge winners will be able to use points earned to redeem prizes within the reward catalog (and ship them directly to your home address worldwide). • We hope you enjoy the challenges and have some fun along the way.To Register: https://pulmonx.360recognition.com
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.Working AdvantageAccess employee discounts and rewards by registering for Working Advantage. Save on:• Theme Parks & Attractions• Hotels• Rental Cars• Shows & Events• And much more!Note that TicketsatWork is still available to you by using company code: PULMONXPERKS Register by visiting: www.workingadvantage.com/onedigital and completing the new member registration form.
Next Steps
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.Time to EnrollOpen enrollment is November 11 – November 25Coverage is effective January 1 – December 31, 2025• Ensure you have access to ADP and submit selections before November 25.• You must re-elect FSA and HSA to have any pre-tax deferrals for 2025• Assess the new voluntary plans to see if they are right for you.• Come prepared with dates of birth, social security numbers, and legal names of any dependents you with to enroll in benefits. • Remember to review your beneficiaries.• Complete and submit your medical questions (Evidence of Insurability) form if your enrollment requires it. Applies to the voluntary life plan, if you elect coverage over the medical question limit.Have questions? Sabrina Dokes can help.sabrina.dokes@onedigital.com | (925) 407-1178Bookmark this page to access your benefit information when you need it!
Questions?