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 / $11,000 deductible; $10 primary-care and $25 specialist copays; in-network care only.
• Silver $3,000: $3,000 / $6,000 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 / $4,000 in-network deductible; $10 primary-care and $25 specialist copays; includes out-of-network benefits at higher cost.

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

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

• The guide shows $500 and $2,000 inpatient and outpatient benefit options per covered person, with family limits equal to three times those amounts.
• Both options show a $0 certificate deductible and a $2,000 ambulance benefit per covered person, subject to the policy terms.

See pages 17–18 for covered services, limits and exclusions.

Choose PPO Low or PPO High through the Sun Life Dental Network. These replace the prior DHMO and DPPO options.

• Both plans: $50 individual / $150 family deductible, waived for preventive care; preventive services covered at 100%.
• PPO Low: $1,000 annual maximum; basic and major services covered at 50%.
• PPO High: $2,000 in-network annual maximum ($1,500 out of network); in-network basic services covered at 90% and major services at 60%.
• Child orthodontia is covered at 50%, with a $1,000 Low / $1,500 High maximum, subject to the plan terms.

Access your dental ID card through your Sun Life account or Benefit Tools app.

Vision coverage uses the VSP network.

• $10 exam copay and $25 materials copay.
• Exams and lenses every 12 months; frames every 24 months.
• $150 frame allowance with 20% off the balance; the guide lists an $80 Costco allowance.
• Elective contact lens allowance up to $150.

Employer-paid basic life and accidental death and dismemberment coverage provides a $15,000 benefit for eligible full-time employees.

Age-based benefit reductions apply at ages 65, 70 and 75. Benefits terminate at retirement. Review the guide and policy for details.

Optional life insurance is available for employees and eligible family members.

• Employee: $10,000 increments, up to five times annual salary or $500,000; initial-enrollment guarantee issue up to $100,000.
• Spouse: $5,000 increments, up to 100% of employee coverage and $30,000; initial-enrollment guarantee issue up to $30,000.
• Children: $10,000 from age 14 days to age 26.

Employees must elect coverage to cover a spouse or children. Evidence of insurability and policy restrictions may apply.

Voluntary short-term disability replaces part of your pay during a covered disability.

• 60% of weekly salary, up to $1,000 per week.
• Benefits begin on the 14th day for covered accidents or sickness and can continue for 11 weeks.
• The guide lists eligible classes 2, 3, 4, 5 and 6 and a 3-month / 6-month pre-existing-condition provision.

Confirm your eligibility class with HR and review the certificate for full terms.

Voluntary long-term disability helps replace income during an extended covered disability.

• 60% of monthly salary, up to $6,000 per month.
• 90-day elimination period; benefits may continue to 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 lists eligible classes 5 and 6.

Confirm your eligibility class with HR.

The guide includes Emergent Premier and Platinum emergency transportation memberships.

• Both include emergency ground and air ambulance benefits and hospital-to-hospital transfers, subject to the membership terms.
• Emergent Premier includes repatriation near home and minor return transportation.
• Platinum includes repatriation to a hospital near home and patient return transportation.

Coverage territories and conditions differ by benefit and membership. Review pages 27–29 for details and mobile-app information.

Voluntary accident insurance pays scheduled benefits for covered on- and off-the-job accidents, in addition to other coverage.

• Enhanced plan hospital / ICU admission benefit: $1,500 / $2,000.
• Daily hospital / ICU confinement benefit: $300 / $300.
• Air / ground ambulance benefit: $1,500 / $400.

Refer to the policy for the full benefit schedule and exclusions.

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

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

Covered conditions and other policy restrictions apply.

Hospital indemnity coverage 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 guide and certificate for covered events and limitations.

A Health Savings Account (HSA) is available with the HSA medical plan for eligible participants.

You can set aside money for qualified healthcare expenses. Unused HSA funds carry forward and remain yours if you leave the company. Review the guide and your enrollment options for eligibility and contribution details.

CancerCARE: A cancer care-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: The guide also includes information about NICU care management and support for infants and families.

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

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.

Travel assistance: Help with medical referrals and emergency travel support for eligible trips more than 100 miles from home, up to 120 days.

Will preparation: Epoq provides online tools for wills and other legal documents. Use Will Preparation Services with access code MUTUALWILLS.

Review the guide for eligibility, services and restrictions.

The Employee Assistance Program supports employees and eligible dependents with personal or work-related concerns, including emotional well-being, relationships, and legal or financial matters.

• Access to EAP professionals 24 hours a day, seven days a week.
• Three face-to-face sessions, plus information and referral resources.

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, with no waiting period.
• Enrollment: Self-enroll through Paylocity using your division's company ID shown above.
• Qualifying events: Notify Human Resources within 30 days of a qualifying event, such as marriage, divorce, or the birth or adoption of a child.