Open Enrollment: November 12–13, 2026

Choose from four medical plans using the Aetna Choice POS II (Open Access) network.

• HDHP HSA $5,500: $5,500 individual / $11,000 family deductible; 10% member coinsurance after the deductible; in-network care only.
• Copay Base $5,500: $5,500 individual / $11,000 family deductible; $10 primary-care and $25 specialist copays; in-network care only.
• Silver $3,000: $3,000 individual / $6,000 family deductible; $10 primary-care and $25 specialist copays; 0% member coinsurance after the deductible for the listed hospital services; in-network care only.
• Gold $2,000: $2,000 individual / $4,000 family in-network deductible; $10 primary-care and $25 specialist copays; includes out-of-network benefits at higher cost.

Review pages 4–7 of the benefits guide for prescription benefits, out-of-pocket maximums and service-specific costs.

TransConnect supplemental medical expense coverage can help pay eligible expenses alongside your medical plan.

• $500 option: $500 inpatient and $500 outpatient benefits per covered person, with family limits equal to three times those amounts.
• $2,000 option: $2,000 inpatient and $2,000 outpatient benefits per covered person, with family limits equal to three times those amounts.
• Both options have a $0 certificate deductible and a $2,000 ambulance benefit per covered person, with a family limit of three times that amount.

Covered services, benefit limits and exclusions apply. See pages 16–17 of the guide.

Choose between the DMO U20G National and PPO W7 dental plans.

• DMO: In-network care only through the Managed Dental Care network; no deductible, a $0 office visit fee and no annual maximum. Procedure copays apply. Child and adult orthodontic benefits are included, subject to the plan schedule.
• PPO: Uses the DentalGuard Preferred network and includes out-of-network benefits. The deductible is $50 individual / $150 family, and the annual maximum is $1,500.
• PPO in-network: Preventive services are covered at 100%, basic services at 80% and major services at 50%. Out-of-network percentages are 80%, 70% and 40%, respectively. Orthodontics are not covered.

Review the benefit schedule for procedure-specific coverage and costs.

Vision coverage uses the Davis Vision network, with scheduled reimbursements available for out-of-network care.

• $10 in-network eye exam copay and $25 lens materials copay.
• Exams and lenses every 12 months; frames every 24 months.
• Frame allowance up to $130.
• Elective contact lens allowance up to $130 every 12 months, in place of other eyewear benefits.

Review the guide for contact lens fitting discounts, medically necessary contacts and out-of-network reimbursement limits.

Knox provides employer-paid basic life and accidental death and dismemberment (AD&D) coverage of $10,000 for eligible full-time employees.

AD&D benefits apply to covered accidental losses. Review the certificate for the full benefit schedule, restrictions and exclusions.

Optional life and AD&D coverage is available for employees and eligible family members.

• Employee: $10,000 increments, up to $100,000. Initial-enrollment guarantee issue is up to $25,000.
• Spouse: $5,000 increments, with initial-enrollment guarantee issue up to $30,000.
• Children: $1,000 from age 14 days to 6 months; $10,000 from age 6 months to age 26.

Employees must elect coverage to cover a spouse or children. Age-based benefit reductions apply. Review the certificate for evidence-of-insurability requirements, limits and exclusions.

Employer-paid long-term disability helps replace part of your income during a covered disability.

• 60% of monthly salary, up to $6,000 per month.
• 90-day disability elimination period.
• Benefit duration to the later of age 65 or Social Security normal retirement age, subject to policy terms.
• 24-month own-occupation period and a 3-month / 12-month pre-existing-condition provision.

The guide requires permanent employees to be regularly scheduled for at least 30 hours per week and actively at work on the coverage effective date. Review the certificate for complete eligibility and benefit terms.

Voluntary accident insurance pays scheduled benefits for covered on- and off-the-job accidents, in addition to other coverage. The guide lists Standard and Enhanced options.

• Standard: $1,000 hospital / $1,500 ICU admission; $200 daily hospital / $200 daily ICU confinement; $1,000 air / $300 ground ambulance.
• Enhanced: $1,500 hospital / $2,000 ICU admission; $300 daily hospital / $300 daily ICU confinement; $1,500 air / $400 ground ambulance.

Review the policy for the complete benefit schedule, limits and exclusions.

Critical illness insurance pays a lump-sum benefit after a covered diagnosis.

• Employee: $10,000, $20,000, $30,000 or $40,000 benefit options.
• Spouse: 100% of the employee benefit amount.
• Children: 50% of the employee benefit, up to $20,000, from birth to age 26.

Covered conditions, limitations and other policy restrictions apply.

Hospital indemnity insurance pays scheduled benefits for covered hospital stays.

• Low: $1,000 hospital / ICU admission benefit and $100 daily hospital / ICU confinement benefit.
• High: $2,000 hospital / ICU admission benefit and $200 daily hospital / ICU confinement benefit.

Review the certificate for covered events, benefit limits and exclusions.

CancerCARE: A cancer support program included with the health plan, with treatment guidance, benefits coordination and access to an oncology support team. The guide recommends registering promptly after a diagnosis.

ProgenyHealth: NICU care management information and support for infants and families.

See pages 14–15 of the guide for program details.

Contact the KISx Card nurse concierge before scheduling an eligible procedure. The program includes orthopedic and general surgery, colonoscopies, MRIs and CT scans.

The guide describes $0 out-of-pocket costs when using participating KISx providers, with an important exception for HSA plans: members must first satisfy the applicable IRS minimum before program incentives are received.

Evo by Fabric provides virtual care for everyday and urgent concerns, talk therapy and mental health medication management.

Everyday and urgent care are available 24/7/365 through phone, video and Quick Care. Therapy requires an appointment and depends on member location.

How to register:

1. Visit care.evohealth.com.
2. Select the option to register.
3. Use the personal email address listed in ADP, not your work email.
4. Follow the prompts to finish creating your account.

SmithRx supports prescription benefits under the medical plan. Prescription copays and deductible requirements vary by medical option.

The member portal provides plan information, ID cards and documents. The guide lists mail-order partners including Amazon Pharmacy, Walmart and Mark Cuban Cost Plus Drug Company.

Review your medical plan details and the pharmacy resources for medication-specific coverage and costs.

WorkLife Matters is a confidential Employee Assistance Program that provides support for personal and work-related concerns, including emotional well-being, relationships, caregiving, and legal or financial matters.

• Unlimited free telephone consultations with an EAP counselor, available 24/7.
• Referrals to local counselors, with up to three sessions free of charge.
• Online resources covering wellness, education, dependent care, legal and financial topics.

Your 2027 employee benefits plan year runs January 1 through December 31, 2027.

• Eligibility: Full-time employees working 30 or more hours per week are eligible to enroll in the benefits outlined in the guide.
• New hires: Coverage is effective on your date of hire.
• Enrollment assistance: Contact your benefits team for help with your benefit elections.
• Qualifying events: Notify Human Resources within 30 days of a qualifying event, such as marriage, divorce, or the birth or adoption of a child.

Eligible dependent rules and coverage limits vary by plan. The carrier policy governs if a summary differs from the policy.