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Your BenefitsEffective August 2024 - July 2025TITAN Consulting, LLC

You must request a change to your benefits within 30days of your life event (60 days for changes involvingMedicaid eligibility). Documentation may be required.Qualifying 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, ora 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 August – July of thefollowing year unless you have a qualifying life event.Your benefit plans are in effect August 1 – July 31 nextyear. In general, there are three times you can makebenefit selections:Making benefit selectionsEligibility Enrolling in coverageYour benefits begin on the first day of the monthfollowing 60 days of employment; this is your effectivedate. Be sure to submit your elections within your first30 days of employment. Your benefit selections will be in effect through July 31next year. 1When you're first eligibleAt Open Enrollment23For 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 regardless ofstudent or marital status

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 in additionto – and does not count towards –your out-of-pocket maximum.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 does notinclude your premium (the amount youpay for coverage), non-coveredexpenses, or out-of-network carethat’s been balance billed.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 – usually ageneral 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.Annual NoticesDownload nowHow to handle medical bills(2:04)Helpful terms & resourcesWe'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!We’re required to tell you about certainrights and responsibilities you have as anemployee of TITAN Consulting, LLC. You can request a paper copy at nocharge from:Jim Harford1-724-779-7911jim@us-titan.comLearn more

Medical insuranceUnitedHealthcareGroup: 15289131-877-797-8812www.myuhc.comHealth Savings Account (HSA)Optum Bankwww.optumbank.comClick the link for enrollment paperwork.Dental insuranceUnitedHealthcareGroup: 15289131-877-797-8812www.myuhc.comVision insuranceUnitedHealthcareGroup: 15289131-800-638-3120www.myuhcvision.com1-866-736-6640service@onedigital.comMonday - Friday, 8am-8pm ESTBilingual (Spanish) assistance is availableContact informationYour advocate is here to help you with claims, ID cards, coveragequestions, and more!

In-network careHDHP - $5,000Deductible HDHP - $2,000DeductibleHDHP - $1,600DeductibleNetwork name:Choice NetworkChoice NetworkChoice NetworkAnnual Deductible (DED)[Calendar year]$5,000 per person up to$10,000 family maximum$2,000 per person up to$4,000 family maximum$1,600 per person up to$3,200 family maximumOut-of-pocket maximum$6,900 per person $13,800 family maximum$6,900 per person $13,800 family maximum$7,000 per person $14,000 family maximumPre-tax account availabilityHealth Savings Account (HSA)Health Savings Account (HSA)Health Savings Account (HSA)Preventive carePrimary care visitSpecialist visitVirtual visit*100% coveredDED then $25 copayDED then $75 copayDED then you pay 0%100% coveredDED then $25 copayDED then $75 copay100% covered100% coveredDED then $25 copayDED then $75 copay100% coveredUrgent careEmergency roomInpatient hospital careOutpatient surgeryDED then $50 copayDED then $300 copayDED then you pay 0%DED then you pay 0%DED then $50 copayDED then $300 copayDED then you pay 0%DED then you pay 0%DED then $50 copayDED then $300 copayDED then you pay 0%DED then you pay 0%Prescription drugsPrescription deductibleTier 1Tier 2Tier 3Tier 4Specialty (31 days)(31 days | 90 days)Combined with medicalDED then: $10 | $25DED then: $50 | $125DED then: $150 | $375DED then: $300 | $750Available(31 days | 90 days)Combined with medicalDED then: $10 | $25DED then: $50 | $125DED then: $150 | $375DED then: $300 | $750Available(31 days | 90 days)Combined with medicalDED then: $10 | $25DED then: $35 | $87.50DED then: $70 | $175DED then: $150 | $375DED then: $10/$35/$70/$500See plan detailsSee plan detailsSee plan detailsEach person has their owndeductible with a combinedmaximum for the family.Learn moreThe 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.Medical insuranceAll plans cover in-network preventive care at 100%, prescription drugs,and include 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 six medical options through UnitedHealthcare.See more plans on the next page.Find an in-network providerEach person has their owndeductible with a combinedmaximum for the family.Each person has their owndeductible with a combinedmaximum for the family.* Designated Network Provider

In-network careTraditional Copay -$3,000 DeductibleTraditional Copay - $500 DeductibleTraditional Copay - No DeductibleNetwork name:Choice NetworkChoice NetworkChoice NetworkAnnual Deductible (DED)[Calendar year]$3,000 per person up to$6,000 family maximum$500 per person up to$1,000 family maximum$0 per person up to$0 family maximumOut-of-pocket maximum$5,500 per person $11,000 family maximum$3,000 per person $6,000 family maximum$2,000 per person $4,000 family maximumPreventive carePrimary care visit*Specialist visitVirtual visit**100% covered$25 copay$75 copay100% covered100% covered$25 copay$75 copay100% covered100% covered$15 copay$15 copay100% coveredUrgent careEmergency roomInpatient hospital careOutpatient surgery$50 copay$300 + DED then you pay 0%DED then you pay 0%DED then you pay 0%$50 copay$300 + DED then you pay 0%DED then you pay 0%DED then you pay 0%$75 copay$300 copay100% covered100% coveredPrescription drugsPrescription deductibleTier 1Tier 2Tier 3Tier 4Specialty (31 days)(31 days | 90 days)Does not apply$10 | $25$35 | $87.50$75 | $187.50$250 | $625$10/$35/$75/$500(31 days | 90 days)Does not apply$10 | $25$50 | $125$150 | $375$300 | $750Available(31 days | 90 days)Does not apply$10 | $25$50 | $125$150 | $375$300 | $750AvailableSee plan detailsSee plan detailsSee plan detailsEach person has their owndeductible with a combinedmaximum for the family.Learn moreThe 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.Medical insuranceAll plans cover in-network preventive care at 100%, prescription drugs,and include 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 six medical options through UnitedHealthcare.Find an in-network providerEach person has their owndeductible with a combinedmaximum for the family.Each person has their owndeductible with a combinedmaximum for the family.* Under age 19: 100% covered** Designated Network Provider

If you coveryourself onlyIf you coverdependents2024 IRS maximumcontribution $4,150$8,30055 or older? You can contribute an extra $1,000 peryear in catch-up contributions.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.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 SavingsAccount (HSA)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 available forqualified health care expenses - even if you change jobsor health plans. Before retirement, any funds used fornon-healthcare expenses are subject to tax penalties.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. An HSA through Optum Bank is paired with a HighDeductible Health Plan (HDHP).Save pre-tax money for health care expenses – or retirement!Learn how HSAs can help yousave for today and tomorrow.Learn moreSee plan details

See plan detailsVirtual health care that fits your scheduleAccess quality care in the convenience of your own home, on yourlunch break, or on the way to your child’s soccer game! Whether it's a nagging cough, middle-of-the-night fever, or asuspicious-looking mole or rash — telehealth through HealthiestYou ishere when you need it. Connect with a board-certified physician 24hours a day, 7 days a week.Your cost per visit is 100% covered.Virtual care &mental healthSupport for your health, finances, and life.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.Telehealth/Virtual care1-866-703-1259www.healthiestyou.com24/7/365 access to care through HealthiestYouInformation when you need itAccess 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.Access nowOn-demand supportAccess on-demand mental healthresources on a platform built with yourmobile device in mind. The Mental Health Hub includes:Tips for managing day-to-daystressors,Resources for times of crisis, Practical information about mentalhealth, and more!Access now

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.You'll get in-network preventive care at 100% along withcoverage for basic and major dental services.Orthodontic care is covered.Your dental coverage is through UnitedHealthcare.Dental insuranceLearn about dental care categoriesIn-network careP5424Network name:UHC National Option PPO 20Annual Deductible (DED)$50 per person $150 family maxAnnual maximum benefit$1,500 per person Preventive care100% coveredBasic careDED then you pay 20%Major careDED then you pay 50%Orthodontic careCoverageLifetime maximum benefit50% covered (child to age 19)$1,000 lifetime max benefitSee plan detailsStay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays).

You'll get an annual exam with coverage for lenses and frames,or contacts in lieu of glasses.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.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.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 insuranceYour vision coverage is through UnitedHealthcare.In-network careS1006Network name:UHC VisionAnnual eye exam (every 12 months)$10 copayMaterials copay(lenses & frames)$25 copayLenses (every 12 months)Included in materials copayFrames(every 12 months)$130 allowance, 30% off discountContact lenses(every 12 months)Elective: $105 allowanceMedically necessary: 100% covered after $25 copaySee plan details

2024 - 2025 benefitsTITAN Consulting, LLC