Open Enrollment: November 16–27

Choose from three medical plans administered by WellNet Healthcare using the Cigna network. Each option includes in-network preventive care covered at 100%.

• $5,000 Deductible Plan: In-network coverage only, with a $5,000 individual / $10,000 family deductible and 20% member coinsurance after the deductible for services subject to coinsurance.
• $3,500 Deductible PPO: In- and out-of-network coverage, with a $3,500 individual / $7,000 family in-network deductible and 10% member in-network coinsurance after the deductible for services subject to coinsurance.
• $2,000 Deductible PPO: In- and out-of-network coverage, with a $2,000 individual / $4,000 family in-network deductible and 0% member in-network coinsurance after the deductible for services subject to coinsurance.

Compare deductibles, copays, out-of-pocket maximums, and provider access when choosing your plan. Prescription benefits are administered through Express Scripts.

Choose between two dental options. Both have a $50 individual / $150 family deductible, waived for preventive care, and cover preventive services at 100%.

• Low Option: $1,000 annual maximum; basic and major services covered at 50%. Orthodontia is not covered.
• High Option: $2,500 annual maximum; basic services covered at 90% and major services at 60%. Child orthodontia is covered at 50%, with a $1,500 orthodontia maximum, subject to the plan's age limit.

There are no dental waiting periods listed for either option.

Use the EyeMed Insight network for your vision benefits.

• Eye exam: $10 copay.
• Materials: $10 copay; standard single, bifocal, and trifocal lenses are covered in full after the copay.
• Frames: $200 allowance.
• Elective contact lenses: $200 allowance.

Tomtreyco provides $15,000 of employer-paid basic life and accidental death and dismemberment (AD&D) coverage to the eligible job groups specified in the management guide.

The guide lists: Full Time Owners, Admin Officer, Human Resources, Salary Assistant Managers, Salary General Managers, Tech Supervisors, Technology and Training Maintenance.

Benefits reduce by 50% at age 70.

Choose additional life and accidental death and dismemberment (AD&D) protection for yourself and eligible dependents.

• Employee: $10,000 increments, up to five times annual salary and a $500,000 maximum. Initial-enrollment guaranteed issue is up to $200,000.
• Spouse: $5,000 increments, up to $100,000 and no more than 100% of the employee amount. Initial-enrollment guaranteed issue is up to $50,000.
• Children: $10,000, from 14 days of age to age 26.

Employee enrollment is required for dependent coverage. Benefits reduce by 50% at age 70.

Short-term disability helps replace part of your income during a covered disability.

• Benefit: 60% of weekly salary, up to $1,500 per week.
• Benefits begin: The 14th day for accident or sickness, subject to plan requirements.
• Maximum benefit duration: 24 weeks.

Long-term disability helps replace income when a covered disability continues beyond the plan's waiting period.

• Benefit: 60% of monthly salary, up to $6,000 per month.
• Elimination period: 180 days.
• Own-occupation period: 24 months.

Accident insurance provides scheduled cash benefits for covered accidental injuries and related care.

Examples listed in the guide include:

• Emergency care treatment: $400.
• Initial physician office visit: $175.
• Hospital admission: $2,000.
• Hospital daily confinement: $400 per day.
• ICU daily confinement: $800 per day.

A $50 health-screening benefit is also listed.

Critical illness insurance provides a cash benefit for covered diagnoses, subject to the policy's condition definitions and benefit schedule.

• Employee: Choose $10,000, $20,000, $30,000, or $40,000; the guide lists these options as guaranteed issue.
• Spouse: The same options, up to 100% of the employee amount.
• Children: 50% of the employee amount, up to $20,000, ending at age 26.

Dependent coverage requires employee enrollment. Rates depend on age and coverage level.

Hospital indemnity insurance pays scheduled cash benefits for covered hospital stays.

• Hospital admission: $1,000 per admission.
• ICU admission: $2,000 per admission.
• Hospital daily confinement: $200 per day.
• ICU daily confinement: $400 per day.
• Newborn nursery: $75 per day, up to two days per policy year.

Your medical benefits include access to Teladoc for virtual care by phone or video.

Connect with a provider for common non-emergency concerns, such as sinus or skin problems, without an in-person office visit. The guide describes 24/7 access.

Express Scripts administers prescription benefits for the medical plans.

Use your prescription benefit resources to check covered medications, locate participating pharmacies, and explore home delivery for eligible maintenance medications.

Prescription copays and specialty-medication cost sharing vary by the medical plan you choose.

The management guide includes these additional resources:

• Travel Assistance: Assistance for you, your spouse, and dependent children on a single trip of up to 120 days, more than 100 miles from home.
• Will Preparation: Free online will-preparation services through Epoq.

The management guide includes an Employee Assistance Program (EAP) for employees and eligible dependents.

• Access to support 24 hours a day, seven days a week.
• Three face-to-face sessions listed in the guide.

Use the program to connect with support for personal and work-life concerns.

Open Enrollment: November 16–27, 2026. The plan year runs January 1–December 31, 2027.

Choose the enrollment method that works for you:

• Phone: Book an appointment with EOI at Tomtreyco's scheduling page, or call (866) 962-4431, Monday–Friday, 8 a.m.–7 p.m. Eastern.
• Employee Self Service: Open the Benefits tab.
• ProLiant mobile app: Tap HR, then Benefits.

Complete the employee, family, enrollment, and confirmation steps. Outside open enrollment, notify HR within 30 days of a qualifying life event to request an eligible change.