Your Employee Benefits

Curative Medical — three plans — EPO, PPO, and PPO Max — with $0 in-network care when you complete your Baseline Visit

All three plans use the Curative Direct network, plus the Cigna Healthcare PPO Network outside Texas, Florida, and Georgia. Complete your Baseline Visit within 120 days of your plan effective date (you and each dependent 18 or older) and in-network care is covered 100% with a $0 deductible, $0 copays, and $0 preferred prescriptions for the rest of the year. Skip it and the plan switches to a $5,000 individual / $10,000 family deductible with copays and coinsurance.

• EPO: in-network only · Baseline completed: $0 deductible and $0 out-of-pocket maximum · Baseline not completed: $5,000 / $10,000 deductible, $7,500 / $15,000 out-of-pocket maximum, $25 physician and $50 specialist copays after deductible, 20% coinsurance (25% for pharmacy)
• PPO: the same in-network benefits as the EPO, plus out-of-network coverage at a $10,000 / $20,000 deductible, 50% coinsurance, and a $15,000 / $30,000 out-of-pocket maximum
• PPO Max: the same in-network benefits, with out-of-network care at a $5,000 / $10,000 deductible, 20% coinsurance, and a $7,500 / $15,000 out-of-pocket maximum — and once your Baseline is completed, out-of-network services are covered at 100% of the usual and customary rate

Prescriptions (Baseline completed): $0 preferred (includes certain generic, brand-name, and specialty drugs), $50 brand and generic, $250 specialty. The EPO and PPO include Publix but exclude CVS and Walgreens; the PPO Max includes Publix, CVS, and Walgreens. Preventive care and Curative Telehealth visits are covered 100% on every plan whether or not your Baseline is done; independent lab work and X-rays run through Quest Diagnostics and LabCorp.

Dependent children are covered to age 30; coverage ends at the end of the calendar year.

Lincoln Financial Dental — a DHMO plus two PPO options

• DHMO (LDCS200B): in-network only on the Solstice Benefits network · fixed copays per procedure — $0 exams, cleanings, sealants, and amalgam fillings, $195 porcelain crowns, $100–$210 root canals, $10 simple extractions · orthodontia $1,850 child / $1,950 adult
• DPPO Low: $50 individual / $150 family calendar-year deductible (waived for preventive) · $1,500 annual maximum in network ($1,000 out) · preventive 100%, basic 80% (50% out of network), major 25% · no orthodontia · out-of-network claims paid at the maximum allowable charge
• DPPO High: $50 individual / $150 family calendar-year deductible (waived for preventive) · $2,000 annual maximum in network ($1,000 out) · preventive 100%, basic 80%, major 50% · orthodontia 50% for adults and children with a $1,500 lifetime maximum in network ($1,000 out) and a 12-month waiting period for late entrants · out-of-network claims paid at usual and customary rates

On both PPO plans, endodontics, surgical periodontics, and implants are major services; non-surgical periodontics and oral surgery are basic. Find a dentist at LincolnFinancial.com/FindADentist.

Dependent children are covered to age 26 — through the end of the calendar year on the DHMO, and through the end of their birthday month on the PPO plans.

Lincoln Financial Vision — Lincoln VisionConnect on the Spectera network

• Exam: $10 copay · Materials: $25 copay
• Frequency: exam 12 / lenses 12 / frames 12 months
• Lenses: single, bifocal, and trifocal covered in full after copay
• Frames: up to $130 after copay · Elective contacts: up to $125

Register for an online member account to review your benefits in and out of network, print an ID card, find a provider, and see contact lens and LASIK discounts.

Dependent children are covered to age 26; coverage ends at the end of the calendar year.

Lincoln Financial Life & AD&D — employer-paid basic coverage plus voluntary buy-up

Basic Life & AD&D (paid by Big Brothers Big Sisters of Miami): $20,000 for all full-time employees eligible for benefits.

Voluntary Life & AD&D:

• Employee: $10,000 or $20,000 increments up to 5x annual salary, maximum $500,000 · guarantee issue $100,000 at initial enrollment
• Spouse: $5,000 or $10,000 increments up to 50% of your elected amount · guarantee issue $30,000 at initial enrollment · you must elect employee coverage to enroll a spouse
• Child(ren): $1,000 from birth to 6 months, $20,000 from 6 months to age 26 · you must elect employee coverage to enroll children

Benefits reduce 35% at age 65 and 50% at age 70. Includes an Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion. AD&D pays an additional cash benefit for death, loss of a limb, or loss of eyesight due to an accident. Rates are in your enrollment kit or platform.

Lincoln Financial Short-Term Disability — employer-paid income protection for shorter absences

• Benefit: 60% of weekly salary, up to $1,500 per week
• Elimination period: 7 days accident / 7 days sickness
• Benefit duration: 13 weeks
• Pre-existing condition period: none

Paid by Big Brothers Big Sisters of Miami. You must be a permanent employee regularly scheduled to work at least 30 hours per week and actively at work on the coverage effective date. Coverage begins the first of the month following your waiting period; late entrants must provide satisfactory Evidence of Insurability.

Lincoln Financial Long-Term Disability — employer-paid income protection for extended disabilities

• Benefit: 60% of monthly salary, up to $6,000 per month
• Elimination period: 90 days
• Benefit duration: to the later of age 65 or Social Security normal retirement age
• Own occupation: 24 months
• Pre-existing condition period: 3 months / 12 months

Paid by Big Brothers Big Sisters of Miami. Disability means you are unable to perform the main duties of your occupation on a full-time basis due to a non-work-related injury or sickness.

MASA Access Emergent Plus — no out-of-pocket costs for emergency ambulance transport, $14 per month

With MASA there is no out-of-network ambulance — send MASA the bill when it arrives and they work to make sure the charges are covered. Coverage applies in the United States and Canada.

• Emergency ground ambulance: your out-of-pocket costs for emergency ground transport to a medical facility are covered
• Emergency air ambulance: your out-of-pocket costs for emergency air transport to a medical facility are covered
• Hospital-to-hospital transfer: ground or air transfer to the nearest facility that can provide the specialized care you need
• Repatriation near home: ambulance transport to an approved hospital closer to home when your provider approves continued care there

Aflac Group Accident — cash benefits for on- and off-the-job injuries

Pays a benefit up to a specified amount for accidental death, dismemberment, dislocation or fracture, initial hospital confinement, hospital confinement, intensive care, ambulance service, medical expenses, and outpatient physician treatment. Benefits are paid in addition to any other coverage you have.

• Hospital / ICU admission: $1,000 / $1,000
• Daily hospital confinement: $300 per day, up to 365 days per accident
• Daily ICU confinement: $300 per day, up to 30 days per accident

Aflac Group Critical Illness — a lump-sum payment after a covered diagnosis

Pays a cash benefit directly to you after a covered diagnosis, to use for non-medical expenses health insurance may not cover.

• Employee and spouse: $10,000, $20,000, or $30,000 · spouse coverage is 100% of the employee amount
• Child(ren): up to 50% of the employee principal sum, from birth to age 26

Aflac Group Hospital Indemnity — cash to help with the costs of a hospital stay

• Admission: $1,000 hospital / $1,000 ICU per admission
• Daily hospital confinement: $200 per day, up to 31 days
• Daily ICU confinement: $200 per day, up to 10 days

Benefits are paid directly to you and can be used for medical bills or everyday living expenses while you recover.

Preferred Legal Plan — your own attorney on retainer for $9.95 per month

A licensed legal expense organization providing full service and representation on all types of legal matters, including divorce, traffic tickets, buying or selling a home, bankruptcy, wills, probate, DUI, immigration, credit report issues, child support and custody, foreclosures, criminal defense, small claims, personal injury, landlord-tenant disputes, and more. Your spouse, dependent children, and entire household are covered for one price.

• Free: unlimited legal advice by phone, face-to-face attorney consultations, legal document review, letters and phone calls to third parties on your behalf, credit report analysis and repair, identity theft restoration, simple wills for you and your spouse or domestic partner, a legal forms library, and notary services
• Up to 70% reduced legal fees for attorney representation, with 24/7 access to a statewide panel of Florida attorneys · tri-lingual attorneys (English, Spanish, Creole)
• All pre-existing issues covered, immediate use of membership, no long-term contract — cancel at any time, and the membership is portable

Curative Telehealth — 24/7 virtual care at a $0 copay, included with your medical plan

• See a licensed provider by phone or video in all 50 states, typically in less than an hour, from home, work, or on the go
• Access it directly through your Curative member portal — no extra apps or logins
• Family doctors and pediatricians, messaging, audio, or video chat, and prescriptions delivered to your door
• A guided symptom intake matches you with the right provider

Telehealth visits are covered 100% on every Curative plan, whether or not your Baseline Visit is complete.

Lincoln Financial EmployeeConnect, TravelConnect & LifeKeys — no-cost support included with your Lincoln coverage

EmployeeConnect (EAP): practical help for life’s challenges, 24 hours a day, seven days a week, for you and your immediate household family members — confidential support, guidance, and resources by phone and online, plus a 25% discount on services from an attorney referral.

TravelConnect: a no-cost program for anyone enrolled in Lincoln life or AD&D coverage, with 24/7 help if you face a medical emergency 100 or more miles from home — transportation to a facility that can treat you, travel and airfare for your dependent children with a qualified escort, and evacuation after a natural disaster or security threat.

LifeKeys: included with voluntary life and AD&D for insured employees, their dependents, and beneficiaries — free online will preparation, ID theft information, unlimited phone contact with grief counselors and legal and financial specialists, up to six in-person sessions, and memorial planning.

Phone numbers, the EmployeeConnect login, and the TravelConnect group ID are in the carrier directory below.

Eligibility: full-time employees working 30 or more hours per week. New hires are covered the first of the month following 60 days of full-time employment. Eligible dependents are your spouse, children to age 26 (natural, step, adopted, or under your legal guardianship), and unmarried children over 26 who cannot support themselves due to a disability. The Curative medical plans cover dependent children to age 30.

Qualifying events: outside annual Open Enrollment, you can only change elections within 30 days of a qualifying event such as marriage, divorce, birth or adoption, a change in a child’s dependent status, the death of a dependent, or a change in employment status or in coverage under another employer’s plan. Notify Human Resources within 30 days — after that, additions and deletions are denied.

Pre-tax premiums: health, dental, vision, and certain supplemental accident premiums are deducted before taxes under the Section 125 cafeteria plan, which is why mid-year changes are limited to qualifying events.

Where to get care: complete your Curative Baseline Visit within 120 days of your effective date to keep $0 deductibles and copays, use Curative Telehealth at $0 any time, and remember preventive care is covered 100%. Consider a physician’s office, telemedicine, a convenience clinic, or urgent care before the emergency room, and compare prescription prices with GoodRx and retailer programs.