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YourBenefitsEffective December 2023- November 2024

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required.Enroll nowYour benefits begin on the first day of the monthfollowing Date of hire. Be sure to submit yourselections within your first 30 days of employment. Your benefit selections will be in effect throughNovember 30th. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changesto your benefits.Your choices are in effect from January –December of the following year unless you have aqualifying life event. At Open Enrollmentmarriage 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. Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. These include: If you have a qualifying life eventYour benefit plans are in effect December 1st –November 30th each year. In general, there arethree times you can make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours per week.Your Spouse or PartnerYou may also cover your eligible dependents whenyou elect coverage for yourself.Covering your familyMedical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 26 Dependent children are eligible:You may cover your legal spouse or domesticpartner.Your children

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, rheumatology, surgery,and imaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Western Resource Advocates. You can request a paper copy at no chargefrom:Meagan Kadlec, Human Resources Director720-763-3748 |meagan.kadlec@westerresources.orgDownload nowHelpful terms & resourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, andwe want you to be prepared!

Medical InsuranceAnthem Group: K014171-833-649-0603www.Anthem.comDental Insurance Principal 1-800-247-4695www.principal.com/dentist Vision Insurance Principal VSP1-800-877-7195www.VSP.comFlexible Spending Accounts (FSAs)Wex1-866-451-3399https://customer.wexinc.com/login/benefits-login/Disability Insurance Principal 1-800-245-1522www.Principal.comEmployee Assistance Program (EAP)Magellan HealthcareProgram Name: Principal Core 1-800-450-1327www.Member.MagellanHealthcare.comContact informationGetting started

In-network careGold PPO 1500Gold PPO 2500 Silver PPO 4000Network name:National PPONational PPONational PPOAnnual Deductible (DED)Out-of-pocket maximum$1,500 per person $3,000 family max$5,700 per person $11,400 family max$2,500 single coverage $5,000 with dependents$6,000 per person $12,000 family max$4,000 single coverage $8,000 with dependents$8,350 per person $16,700 family maxPre-tax account availabilityHealth Care FSAHealth Care FSAHealth Care FSAPreventive carePrimary care visitSpecialist visitVirtual visit100% covered$40 copay$80 copay$0 copay100% covered$30 copay$60 copay$0 copay100% covered$50 copay $100 copay$0 copayUrgent careEmergency roomInpatient hospital care$80 copay$300 copay+DED+20% coin$500 copay+DED+ 20% coin$60 copay$300 copayDED then you pay 30%$100 copay$500 copayDED then you pay 50%Prescription drugsTier 1a | 1bTier 2Tier 3Tier 4(30 days | 90 days)$0/$10 | $0/$25 $60 | $180$125 | $375 $475 | N/A(30 days | 90 days)$0/$10 | $0/$25$60 | $180$125 | $375$500 | N/A(30 days | 90 days)$0/$10 | $$0/$25$60 | $180$125 | $375$500 | N/AOut-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$4,500/ $9,000 $17,100 / $34,200Balance billing applies$7,500 / $15,000 $18,000/ $36,000Balance billing applies$12,000 / $24,000$25,050 / $50,100Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$212.12$180.30$392.43Per paycheck$0.00$209.97$178.48$388.45Per paycheck$0.00$188.93$160.59$349.53See plan detailsMedical insuranceSee plan detailsSee plan detailsThe 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.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).All plans cover in-network preventive care at 100%, prescription drugs, andinclude an annual limit on your expenses. The differences are: Select from four medical options through Anthem.See your plan documents for out-of-network benefits.

In-network careBronze 7000/0% HSA PPO Network name:National PPOAnnual Deductible (DED)Out-of-pocket maximum$7,000 per person $14,000 family max$7,000 per person $14,000 family maxPre-tax account availabilityHealth Savings Account Preventive carePrimary care visitSpecialist visitVirtual visit100% coveredDED then you pay 0%DED then you pay 0%$59 Urgent careEmergency roomInpatient hospital careDED then you pay 0%DED then you pay 0%DED then you pay 0%Prescription drugsTier 1a | 1bTier 2Tier 3Tier 4(30 days | 90 days)DED then you pay 0% DED then you pay 0%DED then you pay 0%DED then you pay 0%Out-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$21,000 / $42,000$24,500 / $49,000Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$169.93$144.44$314.37See 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. 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.You'll get in-network preventive care at 100%, prescription drug coverage,and an annual limit on your expenses.Your medical plan is through Carrier.See your plan documents for out-of-network benefits.

If you coveryourself onlyIf you coverdependents2024 IRS maximumcontribution $4,150$8,300Learn how HSAs canhelp you save fortoday and tomorrow.Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You may contribute tax-free funds to save for currentand future health expenses - and retirement!An HSA through vendor is paired with a High DeductibleHealth Plan (HDHP).Save pre-tax money for health care expenses – or retirement!Contributions HSA funds Spend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.Using your moneyThe 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. Eligibilitybe 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 eligible for or enrolled in Medicare A or B,Tricare, or VA benefits.In order to make – or receive – contributions to a HealthSavings Account (HSA), you must:

Eligible expensesSee plan details2024 maximum contribution$5,000Married filing separately? You can contribute up to $2,500 per person.2024 maximum contribution$3,200Annual rollover amount$6102024 maximum contribution$3,200Annual rollover amount$610See plan detailsPay for eligible child or disabled adult care while youwork or attend school.Dependent care FSAOnly the amount you’ve actually contributed isavailable for use at any one time.Estimate carefully! Unused funds will be forfeited atthe end of the year per IRS regulations.Flexible Spending Accounts (FSAs)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Health care expensesEnrolled in an HDHP plan and eligible for HSA contributions? You’re not eligible for a health care FSA; you can contribute to alimited purpose FSA instead.Health and dependent care expenses can add up. Paying with tax-free fundscan help. Enroll in one or more flexible spending accounts (FSAs) dependingon your needs.Pay for qualifying expenses with tax-free money using yourFlexible Spending Account through Wex.Pay for eligible medical, prescription, dental, andvision expenses.Health care FSAPay for eligible dental and vision expenses whenyou're also contributing to an HSA.Limited purpose FSA

PPO planHDHP plan 1$0 copay $59 See plan detailsThe recipe to living wellConnection to your passion, the reason you get out of bed every day.PurposeFeeling connected to where you live, work and play through activities such as volunteering and mentoring.CommunitySocial & EmotionalHealthy, supportive relationships with family, friends, and mostimportantly, yourself. Effectively managing feelings and emotions andpracticing healthy ways to manage stress and adapt to challengesPhysicalHaving good health and the energy to perform your job life outside of work, such as spending time with familyand friends, or participating in activities you enjoy. Think of physical wellbeing as nutrition, staying hydrated,getting rest, avoiding illness through vaccines, preventive screenings, and following doctors’ orders!The ability to effectively understand and plan for day-to-day expenses, short-term, and long-term goals, likepaying back student loans, saving for a house, sending children to college, retirement, or caring for agingfamily membersFinancialMental health care isessential health care.Managing work, family,relationships, and finances canbe tough. Our Employee AssistanceProgram (EAP) provides youand your family with no-cost,confidential assistance with allthings related to your life.24/7/365.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 VENDOR is here when you need it.Connect with a board-certified physician 24 hours a day, 7 days a week.Your cost per visit depends on your medical plan:Telehealth: virtual health care that fits your scheduleTotal wellbeing:caring for all of youSupport for your health, finances, and life.There are five ingredients to wellbeing — each is just as important as the others:The 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.

Employee AssistanceProgram (EAP)When you create an account, enterPrincipal Core as the program name.24/7/365 access to care. 1-800-450-1327Member.MagellanHealthcare.commental 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.Our Employee Assistance Plan (EAP) is a confidential service with access toguidance and resources at no cost for: Essentially, if it's part of your life, our EAP is here for you.Access support online, through live chat, or over the phone. 24/7/365.Confidential. No one at Western Resource Advocates will ever know youcalled or what was discussed.Available 24/7/365. Life doesn't happen during office hours. The EAP ishere when you need them.Family care is included. Anyone living in your home is eligible for EAPservices at no cost.Face-to-face visits. When needed, each person can receive up to 3face-to-face (or virtual) visits with a licensed counselor per issue peryear. At no cost. Additional visits - if needed - will go through yourhealth insurance.EAP features: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.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support throughMagellan Healthcare.Confidential care designed for all that life brings.See plan details

Dental insuranceStay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Learn about dental care categoriesPPO planNetwork name:National PPOIn-networkOut-of-networkAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,500 per person $1000 per person Preventive care 100% coveredBasic careDED then you pay 0%DED then you pay 20%Major careDED then you pay 40%DED then you pay 50%Orthodontic careCoverageLifetime max benefitNot coveredN/AYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$11.50$13.98$27.16See plan detailsThe 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.You'll get in-network preventive care at 100% along with coverage for basicand major dental services.Orthodontic care is not covered.Your dental coverage is through Principal .

Vision insuranceYour 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.Vision planNetwork name:National PPOIn-networkNon-network(reimbursement)Annual eye exam (every 12 months)$10 copayUp to $45Materials copay(lenses & frames)$25 copayN/ALenses (every 12 months)Included in materials copayUp to $30 / $50 / $65 / $100Frames(every 12 months)$150 allowance + 20% off amount overallowance Up to $70Contact lenses(every 12 months)Elective: $150 allowanceMed. nec: 100% coveredUp to $105Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$1.48$1.86$3.71See plan detailsThe 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.You'll get an annual exam with coverage for lenses and frames, or contactsin lieu of glasses.Your vision coverage is through Principal VSP.

Basic lifeBasic AD&DWestern Resource Advocates 200% of salaryMaximum $100,000200% of salaryMaximum $100,000See plan detailsyour beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)What's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:Life 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 Principal.Life and AD&D insuranceMake sure to designate a beneficiary for your life insurance coverage to ensureyour family is cared for according to your wishes.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insuranceWestern Resource Advocates provides life and AD&D insurance at no cost to you.Colorado PFML - Provider Principal (Colorado Employees)Paid family and medical leave (PFML) provides time off when you need it most.You can use PFML to care for yourself or a family member with a serious healthcondition, bond with a child and more. Caring For Colorado has selected Principalto administer your PFML. Coverage is effective 01/01/2024. Covered individualsare employees who have earned at least $2,500 over the first four of the last fivequarters prior to leave. Leave is paid at up to 90% of your average weekly wagebased on a sliding scale. Benefits are capped at $1,100 per week.

Benefits beginAccident: On the 15th day you're unable to workIllness: After 15th day of inability to work Coverage amount60% of your income up to $1,000 per weekPayments may continueUp to 24 weeks if you’re unable to return to workSee plan detailsSee plan detailsIf you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existingcondition limitations mightimpact your coverage.Pre-existing conditionlimitations Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $6,000 per monthPayments may continueUntil your Social Security Normal Retirement Age ifyou remain unable to work.Wish you knew moreabout finances? Nowyou can - at no cost!Disability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance throughPrincipal.Disability coverage insures your paycheck, replacing a portion of your incomeif you’re unable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck if you’re unableto work for a shorter period of time. Western Resource Advocates provides thiscoverage at no cost to you.Short-term disabilityLong-term disability coverage can provide lasting income protection if youremain unable to work. Western Resource Advocates provides this coverage atno cost to you.Long-term disability

2023-2024 Benefits