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Your BenefitsEffective November 1 2023 - October 31, 2024

When you're first eligibleAt Open EnrollmentIf you have a qualifying life eventYou must request a change to your benefits within 30 days of your lifeevent (60 days for changes involving Medicaid eligibility). Documentation will be required.Enroll nowEligibilityGetting StartedMaking benefit selectionsFor youYou are eligible for benefits as a full-time employee working at least 28.25 hoursper week.Enrolling in coverageYour benefit plans are in effect November 1 , 2023– October 31 , 2024. In general,there are three times you can make benefit selections:You may also cover your eligible dependents when you elect coverage for yourself.Your Spouse or PartnerYour benefits begin on the first day of the month following 30 days ofemployment; this is your effective date. Be sure to submit yourselections within your first 30 days of benefits eligibility. Your benefit selections will be in effect through October 31 next year.Open Enrollment is your one chance each year to review your coverageoptions and make changes to your benefits.Your choices are in effect from November – October of the following yearunless you have a qualifying life event.Qualifying life events allow you to change your coverage during the yearoutside 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 orparent's coverage.Your ChildrenYou may cover your legal spouse.Dependent children are eligible: Medical and dental: until age 26 regardless of student or marital statusChild supplemental life insurance: until age 26Covering your family

Balance billingWhen you use an out-of-network medical or dental provider, they may bill youthe difference between what they charge and the amount your insurance pays.Medical: balance billing is in addition to – and does not count towards – yourout-of-pocket maximum.CoinsuranceAfter you’ve met your deductible, you’re sometimes responsible for apercentage of the cost of the medical care, dental care, or prescriptionmedication you received. This percentage is coinsurance.CopayA flat fee you pay each time you receive a copay-eligible medical, dental, orvision service or prescription medication. DeductibleThe amount you’re responsible for paying in care expenses before the medicalor dental plan starts paying deductible-eligible expenses.In-networkIn-network care is always your lowest-cost option. Networks are groups ofmedical, dental, and vision providers, pharmacies, and facilities that agree todiscount the cost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. This includesyour deductible, any coinsurance or copays, and prescription drugs. The out-of-pocket maximum does not include your premium (the amount youpay for coverage), non-covered expenses, or out-of-network care that’s beenbalance billed.Primary care physicianA primary care physician (PCP) is your main medical doctor – usually a generalpractitioner (GP), family doctor, internist, OB/GYN, or pediatrician (for children).Referral/pre-authorizationSome specialty medical providers and services require a referral from a primarydoctor. These may include - but are not limited to - cardiology, psychiatry,orthopedic surgeons, rheumatology, surgery, and imaging (CT or MRI).How to handlemedical bills (4:46)Getting StartedHelpful terms & resourcesWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and we want you to be prepared!Have questions?Your advocate is here to help you with all things benefits. See their contactinformation on the next page.Annual NoticesWe’re required to tell you about certain rights and responsibilities you have asan employee of SEEM Collaborative. You can request a paper copy at no charge from:Sheilagh Senior, SHRM-CPHuman Resources Administrator1-781-279-1361 x1116ssenior@seemcollaborative.orgDownload now

Medical insuranceTufts Health Plan1-617-972-9400https://tuftshealthplan.com/Health Reimbursement Arrangement (HRA)HealthEquity1-877-924-3967https://www.healthequity.com/TelehealthTufts Health Plantuftshealthplan.com/TeledocDental insuranceAltus DentalGroup: 7803-02011-877-223-0588Altusdental.comCustomerservice@altusdental.comLife and AD&D insuranceThe HartfordGroup: 885444Customer Service: 1-800-523-2233https://www.thehartford.com/employee-benefitsgbdcustomerservice@thehartford.comGroup Life Claims: 1-888-563-1124Disability insuranceThe HartfordGroup: 885444Customer Service: 1-800-523-2233https://www.thehartford.com/employee-benefitsgbdcustomerservice@thehartford.comGroup Disability Claims: 1-888-277-4767Getting StartedContact informationBenefits contacts

Advantage HMO $2,000Advantage HMO Saver $3,000In-network careAnnual Deductible (DED)$2,000 per person Employee is responsible for the first $500HRA (SEEM Collaborative) is responsible for the remaining $1,500$4,000 family maxEmployee is responsible for the first $1,000HRA (SEEM Collaborative) is responsible for the remaining $3,000$3,000 per person $6,000 family maxOut-of-pocket maximum$4,000 per person $8,000 family max$6,350 per person $12,700 family maxPre-tax account availabilityHealth Reimbursement Arrangement (HRA)Health Savings Account (HSA)Preventive carePrimary care visitSpecialist visit100% covered$25 copay$40 copay100% coveredDED then you pay 35%DED then you pay 35%Urgent careEmergency roomInpatient hospital care$40 copay$150 copayDED then you pay 0%DED then you pay 35%DED then you pay 35%DED then you pay 35%Prescription drugsTier 1Tier 2Tier 3(30 days | 90 days)$20 | $40$40 | $80$80 | $160(30 days | 90 days)DED then: $15 | $30DED then: $25 | $50DED then: $40 | $80Your cost for coverageEmployee onlyEmployee + FamilySemi-monthly$115.25$302.30Semi-monthly$82.70$216.90See plan details See plan detailsMedical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.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, your annual maximum cost for care (out-of-pocket maximum).Select from two medical options throughTufts Health Plan.

Health Reimbursement Arrangement (HRA)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 eligible health care expenses with an HRA - funded by SEEM Collaborative.Health care dollars from SEEM Collaborative.When you enroll in the HRA medical plan, SEEM Collaborative automatically sets aside money to help you and your covered dependents payfor qualifying health care expenses.ContributionsYou can use your HRA dollars for in-network medical deductible expenses for you and yourcovered dependents.Eligible expensesYour funds are non-transferable and are forfeited if your employment with SEEM Collaborative terminates for any reasonUnused funds and moreTotal Deductible: $2,000 per member, $4,000 per familyEmployee pays first $500/$1,000 HRA pays remaining $1,500/$3,000.Member FeesStatement Fee: $1.00 paper statement (free for electronic)Payment to Provider: FreeStop Payment Request: $20 per transactionEmployees should not pay claims out of pocket while waiting for theHRA to pay the provider. This would result in a stop paymentrequest.

Additional perksThere's more to love with these extra 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.2023 Member Guide See plan detailsMember Perks & Discounts See plan detailsBH Navigation brochure See plan detailsFamily Centered Care brochureSee plan detailsEyecare Benefit See plan detailsKnow Your Options flyer See plan detailsFitness Rebate flyerSee plan detailsTelehealth/ Telehealth Saver planSee plan detailsMember ApplicationSee plan detailsDigital Tools brochureSee plan detailsLiving Well at Home flyer See plan details

Having good health and the energy to perform your job life outside ofwork, such as spending time with family, friends, or participating inactivities you enjoy. Think of physical wellbeing as nutrition, stayinghydrated, getting rest, avoiding illness through vaccines, preventivescreenings, and following doctors’ orders!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.Total 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 wellHealthy, supportive relationships with family, friends, and mostimportantly, yourself. Effectively managing feelings and emotions andpracticing healthy ways to manage stress and adapt to challenges.Social & EmotionalPhysicalThe ability to effectively understand and plan for day-to-day expenses,short-term, and long-term goals, like paying back student loans, savingfor a house, sending children to college, retirement, or caring for agingfamily members.FinancialConnection to your passion, the reason you get out of bed every day.PurposeFeeling connected to where you live, work and play through activitiessuch as volunteering and mentoring.Community 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 through Tufts Health Plan is here when youneed it. Connect with a board-certified physician 24 hours a day, 7 days aweek.Telehealth: virtual health care that fits yourschedule

Dental planIn-networkOut-of-networkAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,000 per person $1,000 per person Preventive care100% covered100% coveredBasic careDED then you pay 0%DED then you pay 20%Major careDED then you pay 40%DED then you pay 50%Your cost for coverageEmployee onlyTwo peopleEmployee + FamilySemi-monthly$21.80$43.45$75.31See plan detailsLearn about dental care categoriesAltus Overview Brochure Altus Dental Enrollment Form Altus Dental Preventive RewardsAltus Dental Web Dental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Dental coverage is through Altus Dental.You'll get in-network preventive care at 100% along with coverage for basic andmajor dental services.Orthodontic care is not covered.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays).

See plan detailsBasic lifeBasic AD&DSEEM Collaborativeprovides$20,000$20,000See plan detailsFor youFor your spouseFor your child(ren)CoverageincrementsBenefits: 1-5 xearnings$5,000$10,000Coveragemaximum5x your annualearnings to $500,00050% your (employee)coverage amount to $50,000$10,000Medicalquestion limit3x your annualearnings to $50,000$30,000Does not applyWhat's AD&D?Accidental death and dismemberment (AD&D) insurance may pay:your beneficiary if you pass away due to an accidentyou a partial benefit if you lose specified bodily functions (sight,limbs, etc.)Life and AD&D insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Financial peace of mind through The Hartford.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.Basic life and AD&D insuranceSEEM Collaborative provides life and AD&D insurance at no cost to you.Make sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.Additional life and AD&D insuranceYou may also purchase additional coverage for you, your spouse, and your eligiblechild(ren).When you’re first eligible (a new hire), you can purchase additional lifeinsurance up to this limit without any medical questions required. Medical questions and approval will be required for all future increase andpurchase requests.Medical question limit

See plan detailsBenefits beginOn the 30th day you're unable to workCoverage amount60% of your income up to $1,000 per weekPayments may continueUp to 9 weeks if you’re unable to return to workSee plan detailsDisability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance through The Hartford.Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.Short-term disabilityShort-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. This coverage is available for purchase.Long-term disability Long-term disability coverage can provide lasting income protection if you remainunable to work. SEEM Collaborative provides this coverage at no cost to you.Benefits beginAfter 3 months disabledCoverage amount60% of your income up to $6,000 per monthPayments may continueThe greater of your Social Security Normal Retirement Ageor 4 years Wish you knew more aboutfinances? Now you can - at no cost!If you make a disability claim within the first year of being covered, checkyour plan details to see how pre-existing condition limitations might impactyour coverage.Pre-existing condition limitations

Additional perksThe 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.Additional ServicesSee plan detailsBeneficiary Assist Counseling ServicesSee plan detailsAbility Assist Counseling ServicesSee plan detailsEstateGuidance Will ServicesSee plan detailsFuneral Concierge ServicesSee plan detailsHealthChampionSee plan detailsTravel Assistance and Identity Theft Support ServicesSee plan details