Your Employee Benefits

Florida Blue — three plans to choose from

BlueCare 71 ($4,400 deductible) and BlueCare 53 ($3,500 deductible) are in-network-only HMO plans on the BlueCare network. BlueOptions 5781 ($1,500 deductible) adds out-of-network coverage on the BlueOptions network. See the plan summaries below for copays, coinsurance, and out-of-pocket maximums.

Save with a Value Choice Provider. Primary care visits at Sanitas Medical Center or Diagnostic Clinic Medical Group locations are covered 100% on all three plans, with $20 specialist copays and onsite labs and X-rays. Find locations at mysanitas.com.

Download the Florida Blue app to view your ID card, check claims, find in-network doctors, and compare costs.

Dependent children covered up to age 26 (through the end of the year of their 26th birthday).

MetLife Dental — two PPO plans on the PDP Plus network

• Low PPO: $50 individual / $150 family deductible (waived for preventive) · $1,000 annual maximum · preventive 80%, basic 60%, major 40% · no orthodontia
• High PPO: $50 individual / $150 family deductible (waived for preventive) · $2,000 annual maximum · preventive 100%, basic 80%, major 60% · child orthodontia 50% up to $1,000 (to age 19)

Out-of-network reimbursement at the 90th percentile UCR. Dependent children covered up to age 26.

MetLife Vision — Davis Vision by MetLife network

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

Dependent children covered up to age 26.

Colonial Life Insurance — voluntary, guaranteed issue

Permanent coverage that helps your family cover funeral costs, everyday bills, and more if the unexpected happens.

• Coverage stays the same throughout the life of the policy
• Guaranteed level premiums that do not increase with changes in health or age
• Access to the policy’s cash value through a policy loan for emergencies

Colonial Life Disability Insurance — voluntary, guaranteed issue

If an accident, illness, or pregnancy keeps you out of work, disability insurance helps protect your income while you recover.

• Pays up to 60% of your income while you are unable to work
• Multiple benefit periods to choose from
• Keep your coverage if you change jobs or retire

Some plans have a waiting period before covering conditions currently being treated — ask a Benefit Counselor for details.

Colonial Life Accident Insurance — voluntary, guaranteed issue

Helps cover costs for you, your spouse, or your children when the unexpected happens.

• Cash benefits paid directly to you for on- and off-the-job injuries
• Pays in addition to any other insurance
• Annual Wellbeing Assistance Benefit for covered tests

Colonial Life Critical Illness Insurance — voluntary, guaranteed issue

Provides cash to help you focus on recovery — not expenses — after a serious illness.

• Lump-sum payment for covered conditions such as heart attack and stroke
• Coverage available for you and your family
• Annual Wellbeing Assistance Benefit for covered tests

Colonial Life Hospital Indemnity — voluntary, guaranteed issue

Helps you handle medical and daily living expenses when you are admitted or confined to the hospital.

• Pays for hospital admission and daily hospital confinement
• Benefits paid regardless of any other insurance you may have

BlueVirtualCare — 24/7 virtual care, included with your Florida Blue plan

Video visits with board-certified doctors for common conditions, plus talk therapy (age 10+), psychiatry (18+), and dermatology photo review within 72 hours. Primary virtual visits are covered 100% on all three plans.

Log in to your Florida Blue member account or app, go to Find & Get Care → Find Virtual Care → BlueVirtualCare. For ongoing mental health support, Lucet can help you schedule an in-network provider at (866) 287-9569.

GoodRx is a free price-comparison tool — prescription prices can vary by more than $100 between nearby pharmacies. Compare at goodrx.com.

Amazon Pharmacy accepts most insurance plans and delivers to your door. Sign-up takes about 5 minutes.

Check local retailers like Publix, CVS, Target, and Walmart for no- or low-cost medication programs.

Everyone must complete enrollment — even if waiving. Speak with a Colonial Life Benefits Counselor at (844) 829-3674 (dial 1, 9am–5pm) or enroll online in Employee Navigator with company identifier STRATTONHCC. Enrollments are not submitted until you reach the Enrollment Complete page. New hires should enroll 30 days before their eligibility date.

Changes outside Open Enrollment need a qualifying event. Marriage, divorce, birth or adoption, a change in a child’s dependent status, a death in the family, or a change in employment or other coverage. You must notify Human Resources within 30 days of the event.

Your premiums are pre-tax. Health, dental, vision, and certain supplemental premiums are deducted before taxes under the Section 125 cafeteria plan — which is also why mid-year changes are restricted.

Who’s eligible: full-time employees working 30+ hours per week, plus your spouse or domestic partner and children up to age 26 (or older if unable to support themselves due to disability).

Pick the right place for care. A Value Choice Provider or virtual visit costs far less than urgent care or the ER. Save the ER for true emergencies, and use the cost estimator tools in your Florida Blue account before big-ticket tests or procedures.