2026 Open Enrollment Benefits Decision Guide
Contents Welcome to Your 2026 Benefits........................................................................................................................1 What’s Changing in 2026? 1 Eligibility........................................................................................................................................................2 Benefits Eligibility 2 Eligible Dependents 2 Domestic Partner Coverage 2 When You Can Enroll or Change Your Benefit Elections 3 How to Enroll...................................................................................................................................................4 Enroll Online 4 Get Personalized Enrollment Assistance from a Benefits Expert 4 Have Questions About Your Benefits? 5 Your NextGen Healthcare Benefits....................................................................................................................6 Get to Know Your Benefit Options 6 Medical and Prescription Plans........................................................................................................................7 Medical Plan Options 7 Medical Plans Comparison 8 Anthem Resources..........................................................................................................................................9 Anthem Website 9 Sydney Health App 9 LiveHealth Online 10 24/7 NurseLine 10 Autism Spectrum Disorder (ASD) Program 11 Future Moms Program 11 Prescription Drugs.........................................................................................................................................12 Coverage and Tiers 12 Scripta Pharmacy Navigation Program............................................................................................................14 What does Scripta do? 14 Supplemental Health Coverage...................................................................................................................... 15 Benefits Enhancer Bundle (Accident + Critical Illness Insurance) 15 Hospital Indemnity Insurance 16 Preventive Health Screening Wellness Benefit 16 Health Savings Account (HSA)........................................................................................................................ 17 What is a Health Savings Account (HSA)? 17 Flexible Spending Account (FSA).....................................................................................................................19 What is a Flexible Spending Account (FSA)? 19 HSA & FSA – WEX Resources...........................................................................................................................21 Benefits debit card 21 Benefits eligible expenses 21 Knowledgebase 21 Benefits mobile app 22 Participant Portal 22 Pre-Tax Medical Savings Accounts Comparison................................................................................................23 Comparison of Tax-Advantaged Medical Savings Accounts 23 Dental Plan...................................................................................................................................................25 Dental Rewards 25
2026 Open Enrollment Benefits Decision Guide
FUSION Benefits Dental Plan Summary
26
27 Vision Plan....................................................................................................................................................28 Extra savings 29 Disability Insurance Benefits.........................................................................................................................30 Short-Term and Long-Term Disability Benefits 30 Life Insurance...............................................................................................................................................31 Basic Term Life and AD&D Insurance 31 Voluntary Term Life and AD&D Insurance Options 31 Group Universal Life Insurance with Long-Term Care 32 Evidence of Insurability 32 Lifestyle Spending Account (LSA)....................................................................................................................33 What is a Lifestyle Spending Account (LSA)? 33 Mental Health and Wellness Benefits.............................................................................................................35 Employee Assistance and Wellness Support Program (EAP) 35 Spring Health 35 Virta Type 2 Diabetes and Weight Loss Care 36 Wellhub – A Fitness Benefit for Your Wellbeing 37 Voluntary Plans.............................................................................................................................................38 MetLife Legal Plan 38 Allstate Identity Protection 38 Pet Care Plan 39 Auto and Home Insurance 39 Retirement Savings – 401(k) Plan...................................................................................................................40 A New Retirement Experience 40 Eligibility 40 Employee Contributions 40 Company Matching Contributions 40 How to Enroll 41 Accessing your Plan 41 Financial Planning Assistance 41 Additional Benefits and Discounts.................................................................................................................42 Purchasing Power 42 Online Discount Mall 42 Your Benefit Costs.........................................................................................................................................43 Medical 43 Dental 43 Vision 43 Accident & Critical Illness Insurance Bundle 44 Hospital Indemnity Insurance 44 Voluntary Term Life & AD&D Insurance 45 Group Universal Life Insurance with Long-Term Care 46 MetLife Legal Plan 46 Allstate Identity Protection 46 Pet Care Plan 46 Important Notices and Disclosures.................................................................................................................47 Married Employee Exclusion 47 Domestic Partner Coverage 47 Important Plan Information 47 Glossary. ......................................................................................................................................................48
Welcome to Your 2026 Benefits It’s time to enroll in your benefits for 2026. To support your health and financial wellness, NextGen Healthcare provides a robust benefits package with valuable resources designed to meet your needs. What’s Changing in 2026?
Medical New Deductibles – In 2026, you will continue to have access to three medical plan options from Anthem, one of the nation’s leading health plan providers. The $750 Deductible Plan will remain the same, and the $1,800 and $2,800 plans are changing to $2,000 and $3,000 Deductible Plans. Click Here Live Health Online – NextGen Healthcare is excited to offer Virtual Care through LiveHealth Online even before your deductible is met. This provides you with affordable access to care from the comfort of your home. If you’re enrolled in the $750 Deductible Plan, your cost is just $10 per visit. For HDHP plans, your payment depends on the coinsurance percentage in your plan: Under the $2,000 plan with 20% coinsurance, your cost would be $9.80 per visit. Under the $3,000 plan with 30% coinsurance, your cost would be $14.70 per visit. Click Here
Accident, Critical Illness, and Hospital Indemnity Higher Wellness Benefit – The Benefits Enhancer Bundle (Accident and Critical Illness Insurance) now pays a $100 wellness benefit for completing your preventive health screenings, and the Hospital Indemnity Plan offers $50. If you enroll in both plans, that’s an annual reward of $150 for each covered member. Click Here Your Benefits Decisions Take a few moments to review this guide along with the information from the insurance providers. While the guide doesn’t cover every detail, it highlights key points to help you make informed benefits decisions for yourself and your family. For more in-depth information, be sure to visit the 2026 Benefits Open Enrollment Campus.
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2026 Open Enrollment Benefits Decision Guide
Eligibility Benefits Eligibility All active regular full-time employees who are scheduled to work 30 or more hours per week are eligible to participate in NextGen Healthcare’s benefits program. Temporary employees who are scheduled to work 30 or more hours per week are eligible to enroll in medical, dental, and vision, as well as spending and savings accounts. The NextGen Healthcare plan, deductible and maximum out-of-pocket costs, and maximum annual benefits run on a calendar year basis from January 1 to December 31. Eligible Dependents You may enroll your eligible dependents in NextGen Healthcare’s benefits. You may be required to provide proof of eligibility upon request at any time (such as birth certificates, marriage certificates, declaration of domestic partnership). Eligible dependents include your: • Spouse or domestic partner (same or opposite gender) with a completed Domestic Partner Affidavit • Natural, adopted, or stepchildren or domestic partner’s children, up to age 26 • Disabled children who are age 26 or older, who became disabled prior to the age of 26 Domestic Partner Coverage Coverage is available for state registered domestic partners. Click here to review important IRS regulations regarding the tax treatment of this benefit. Keep in mind
Your dependents can only be enrolled in the same plans you choose for yourself.
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When You Can Enroll or Change Your Benefit Elections There are only three times when you can enroll in or change your benefit elections:
• During the annual Open Enrollment period • When you gain eligibility as a new hire • When you have a qualifying life event (QLE)
Annual Open Enrollment This is the one time of year you can make changes, add or drop coverage without experiencing a Qualifying Life Event. If you miss the Open Enrollment deadline, it will be necessary for you to wait until the next Open Enrollment period, or experience a Qualifying Life Event, to adjust your enrollment elections. New Hire Eligibility Coverage begins on the first of the month following the date of hire, unless this date is on the first of the month, in which case your coverage is effective that day. You must enroll within 30 days of becoming eligible.
Qualifying Life Event (QLE) A QLE allows you to enroll in or change your benefit elections. You must enroll within 30 days of the qualifying life event. A qualifying life event, defined by the IRS as: • Marriage, divorce, legal separation or annulment
• Birth or adoption of child • Loss of other health care • Eligibility changes for you or your dependents
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2026 Open Enrollment Benefits Decision Guide
How to Enroll Enroll Online Through the self-service, online Benefits Portal :
• For Login ID, enter your Employee ID or Social Security number with no dashes • Your PIN is the last 4 digits of your SSN + last 2 digits of your birth year (e.g., SSN: 123121234, DOB: 01/01/1970, PIN: 123470) Get Personalized Enrollment Assistance from a Benefits Expert TBX offers benefit-eligible employees a personalized enrollment session through our year-round Benefit Service Center. The Benefit Experts are available to review your NextGen Healthcare benefits package, explain our variety of benefit plan options, answer any questions, and enroll
you in your 2026 benefits. TBX Benefit Service Center (855) 482-9669 Monday — Friday, 7:00 a.m. – 7:00 p.m. CT
Before You Enroll Be prepared with the date of birth, social security number and address for all the dependents you intend to cover.
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Have Questions About Your Benefits? To help you with making the benefit plan decisions that best meet your needs, there are a variety of tools and resources available to you. TBX Benefit Service Center The TBX Benefit Service Center is here to help you with your benefit questions. Benefit Experts can assist you with enrolling, answer questions about your benefits, and provide resources to solve issues. Call (855) 482-9669 to speak with a Benefit Expert. WellU on Compass Find everything you need to make your benefit enrollment decisions by visiting 2026 Benefits Open Enrollment Campus .
Open Enrollment Spotlight
Check out the 2026 benefit plan year highlights and all the enrollment options to best support your needs. Need info on your benefit plans? Find benefit summaries and cost information for all NextGen Healthcare Benefit Plans. Do you need to contact a carrier about your coverage? Find all contacts and group number information on WellU. Curious about your benefits? Check out the video and carrier website links to boost your knowledge about NextGen Healthcare benefits. Have benefit, QLE or enrollment questions? Find contacts for the NextGen Healthcare Benefits team and TBX, NextGen Healthcare’s benefits administrator. Check WellU often for wellness information, upcoming carrier webinars and more throughout the year!
Benefits
Carrier Contact Information
Benefits Education
Get Help
…and More
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2026 Open Enrollment Benefits Decision Guide
Your NextGen Healthcare Benefits Get to Know Your Benefit Options You are eligible to enroll in a variety of benefits through NextGen Healthcare. Below is a summary of the options available to you.
Benefits
Available Plans
• Anthem $750 Deductible Plan • Anthem $2,000 Deductible Plan • Anthem $3,000 Deductible Plan • Scripta Pharmacy Navigation Program
Medical
Rx Navigation
• WEX Health Savings Account • WEX Health Care Flexible Spending Account • WEX Dependent Care Flexible Spending Account
Tax Advantaged Accounts
• Ameritas Basic PPO Dental • Ameritas Enhanced PPO Dental
Dental
• Ameritas VSP Network Basic and Enhanced Plan • Ameritas EyeMed Network Basic and Enhanced Plan
Vision
• New York Life Short-Term Disability Insurance (STD) – Employer paid • New York Life Long-Term Disability Insurance (LTD) – Employer paid • Aetna Benefits Enhancer Bundle® Accident Insurance + Critical Illness Insurance • Aetna Hospital Indemnity Insurance • New York Life Basic Term Life and AD&D insurance – Employer paid • New York Life Voluntary Term Life and AD&D Insurance for yourself and eligible dependents • Trustmark Universal Life Insurance with Long-term Care
Disability
Supplemental Health
Life and Accidental Death & Dismemberment (AD&D)
Lifestyle Spending Account (LSA)
• WEX Lifestyle Spending Account – Employer funded
• GuidanceResources Employee Assistance and Wellness Support Program (EAP) – Employer paid • Spring Health Mental Health and Wellness Assistance – Employer paid • Virta Diabetes and Weight Loss Care – Available to all Medical Plan participants at no cost
Wellness
• Wellhub Fitness Membership • MetLife Legal Plan • Allstate Identity Protection • Pin Paws Pet Care & Insurance • MetLife Auto & Home Insurance • Purchasing Power • Perkspot Online Discount Mall
Voluntary Benefits
Retirement Savings
• Charles Schwab 401(k) Retirement Plan
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Medical and Prescription Plans Medical Plan Options
NextGen Healthcare knows everyone has different health care needs. To help meet those needs, we offer three different medical plan options to you through Anthem , with a range of coverage levels and costs. You can use both in-and out-of-network providers in all options, although you’ll pay less if you use providers within the network. The $750 Deductible Plans is a Preferred Provider Organization (PPO) plan , with higher premiums but with lower deductibles. This option may suit you if you expect frequent doctor visits and prescriptions during the year. The $2,000 and $3,000 Deductible Plans are High Deductible Health Plans (HDHP) and include a tax-advantaged HSA that you can use to pay for current or future health care expenses. These options may benefit you if you expect low benefit costs throughout the year. Key Features All of NextGen Healthcare’s medical plans offer: • Comprehensive, affordable coverage • Free in-network preventive care, with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services in this guide • Access to virtual care 24/7 through Anthem’s LiveHealth Online service, which connects you to board certified physicians and licensed therapists by phone, video chat, or mobile app anytime • Prescription drug coverage through RxBenefits (powered by CVS/Caremark) included with each medical plan • Financial protection through annual out-of-pocket maximums that limit the amount you’ll pay each year
Tip: If you need extra protection from large or unexpected medical expenses, learn more about your options in the Supplemental Health Coverage section.
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2026 Open Enrollment Benefits Decision Guide
Medical Plans Comparison Plan Features
$ 750 Deductible Plan
$2,000 Deductible Plan
$3,000 Deductible Plan
HSA Eligible
No
Yes
Yes
Out-of Network In-Network
Out-of Network In-Network
Out-of- Network
Medical
In-Network
Annual Deductible Individual Family Annual Out-of-Pocket Max Individual Family
$750 $1,500
$2,250 $4,500
$2,000 $4,000
$4,000 $8,000
$3,000 $6,000
$6,000 $12,000
$3,500 $7,000
$7,000 $14,000
$4,000 $8,000
$8,000 $16,000
$7,000 $14,000
$11,000 $22,000
Coinsurance (after deductible)
20%
40%
20%
40%
30%
50%
Covered 100%
40% after deductible
Covered 100%
40% after deductible
Covered 100%
50% after deductible
Preventive Care
Office Visits Primary Specialist
$25 copay $40 copay
40% after deductible
20% after deductible $49 copay, then 20% after deductible 20% after deductible
40% after deductible
30% after deductible $49 copay, then 30% after deductible 30% after deductible
50% after deductible
Virtual Visits (LiveHealth Online)
$10 copay Not covered
Not covered
Not covered
40% after deductible
40% after deductible
50% after deductible
Urgent Care
$40 copay
$150 copay (waived if admitted)
Emergency Room
20% after deductible
30% after deductible
Retail Prescription Drugs (30-day supply) Tier 1 $10 copay 2
$10 copay $30 copay $60 copay
20% after deductible
20% after deductible
30% after deductible
30% after deductible
Tier 2 Tier 3
$30 copay 2 $60 copay 2
Mail-order Prescription Drugs (90-day supply) Tier 1 $20 copay 2
20% after deductible 3
30% after deductible 3
Tier 2 Tier 3
Not covered
Not covered
Not covered
$75 copay
$150 copay 1 If you cover family members, the entire family deductible must be met before the plan pays benefits for most services for any covered family member. Likewise, the entire family out-of-pocket maximum must be met before the plan pays 100% for eligible services for the remainder of the year. 2 Deductible does not apply. 3 No deductible is required for preventive maintenance medications.
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Anthem Resources Anthem makes it easy to access all of your plan and coverage information on the Anthem website . Anthem also offers several programs to help you manage your healthcare. Anthem Website Access all of your plan and coverage information. For example, you can: • Check Claims – View detailed information on claims • Estimate Costs – Know what to expect before you buy healthcare services • Find a Doctor – Choose from an
extensive network of Anthem providers who have agreed to discounted rates • Get the Sydney Health App – Keep your ID card and other key information easily accessible right from your smartphone. • Request an ID card – Log on to Anthem website to request an ID card
Sydney Health App The Sydney SM Health app is a free Anthem app that gives you fast and convenient access to your health insurance information right on your smartphone. Find a doctor, view ID cards, claims, and health coverage benefits. It is like having a personal health assistant in the palm of your hand. Download the app from the App Store or Google Play.
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2026 Open Enrollment Benefits Decision Guide
LiveHealth Online Have ear pain? Flu symptoms? Do you just want to avoid a visit to Urgent Care? LiveHealth Online is your telemedicine provider where you can have a video visit with a board-certified doctor using your smartphone, tablet or computer with a webcam. No appointments, no driving and no waiting at an urgent care center. Doctors are available 24/7 to assess your condition and, if it is needed, they can send a prescription to your local pharmacy. Register at LiveHealth Online . For common issues, such as allergies or a fever, you have access to medical advice the moment you need it, wherever you are. And it costs the same or less than you would pay for a regular doctor visit even before your deductible is met. If you’re enrolled in the $750 Deductible Plan, your cost is just $10 per visit. For HDHP plans, your payment depends on the coinsurance percentage in your plan. Under the $2,000 plan with 20% coinsurance, your cost would be $9.80 per visit. Under the $3,000 plan with 30% coinsurance, your cost would be $14.70 per visit. To start a visit in minutes, simply login to your Sydney App or visit Anthem.com . 24/7 NurseLine
The 24/7 NurseLine is a toll-free help line that lets you talk in private with a registered nurse (RN) about your health anytime, day or night. They will answer when you can’t reach your primary medical provider (PMP). You can ask the nurse whether you need to go to the ER, or about how you are feeling. 24 hours a day, seven days a week, and even on holidays. Just call the number on the back of your Anthem ID card.
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Autism Spectrum Disorder (ASD) Program When your child falls somewhere on the Autism Spectrum, you have a team in your corner, ready to help. The Anthem Autism Spectrum Disorders (ASD) program is there for your whole family, creating a strong care system to help you: • Strengthen the family unit and make it easier to understand how to use available care • Guide your whole family through the health care system • Use your benefits effectively to get the best outcomes • Build a custom care plan for your child A highly trained team of clinicians, experienced with families touched by ASD, will work hard to make sure your child gets the right care from the right provider at the right time. Call the ASD program team at (844) 269-0538 .
Future Moms Program The Future Moms program is your go-to source for all of your questions about pregnancy. It provides you with information, tools, and resources you need to help you have a healthy pregnancy, safe delivery and healthy baby. You will have telephone access to a registered nurse 24/7 for pregnancy- related questions and support before and after you deliver your baby. Using Future Moms with Breastfeeding Support on LiveHealth Online , you can make appointments for free video visits with a certified lactation consultant, counselor or registered dietitian. Sign up for Future Moms as soon as you know you are pregnant by calling (800) 828-5891 . A registered nurse will help you get started. There is no extra cost to you!
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2026 Open Enrollment Benefits Decision Guide
Prescription Drugs Coverage and Tiers
Want more from your prescription plan? Keeping your medications affordable is important. The prescription drug coverage included with each medical plan is through RxBenefits (powered by CVS/ Caremark) to bring you greater discounts, better access, and improved member services. Tiers The cost of your prescription drugs under each medical plan depends on the tier of the medication: • Tier 1 (Generic) drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less. • Tier 2 (Formulary) drugs are brand-name medications that are favored by a prescription plan based on drug effectiveness and cost. • Tier 3 (Non-formulary) drugs are brand-name medications that are not on a prescriptions plan’s favored list (or formulary) based on drug effectiveness or cost. They may still be covered, but may require prior authorization and cost more. Save Money The cost of prescription drugs is rising faster than many other healthcare services and supplies. However, there are ways for you to save: • Ask your doctor about generic modifications . Generic modifications are generally just as effective as brand name medications, yet the cost of generics is substantially lower. They typically cost between 30% and 75% less than brand-name drugs. • Use the mail order feature . If you take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and a money-saving option for you.
Rx Delivery by Mail A safe and secure way to get the medications you take regularly — and you’ll probably save money, too. Start Rx Delivery: Click Here
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Pharmacy Benefits & Coverage Inquiries Contact the RxBenefits Member Services Team at (800) 334.8134 or email CustomerCare@rxbenefits.com Monday – Friday, 7:00 a.m. – 8:00 p.m. CT
Online and Mobile App Access to Your Pharmacy Benefits A secure, simple way to manage your prescription benefits and member information: • 24/7 access to your information • Access real-time prior authorization status, including explanations of determinations • Keep an eye on drug costs and check for lower-cost alternatives • Order and track refills • Stay on top of order status • Access your Rx list, member ID cards and Rx history • Chat with an agent Monday – Friday, 9a.m. – 6p.m. CT Sign up for the portal at member.rxbenefits.com and/or download the CVS Caremark App on your mobile device. GLP-1 Prescriptions If you are currently taking a GLP-1 medication for weight loss or are prescribed one in the future, participation in the Virta Health program is required to continue receiving coverage for your GLP- 1 prescription. Engaging with Virta helps ensure you’re supported with expert care and ongoing resources. If you are prescribed a GLP-1 medication for weight loss and decided not to participate in the Virta Health program, please be aware that you will be responsible for the full cost of your GLP-1 prescription. We’re here to help you every step of the way. For more details or support enrolling in Virta Health, please visit the Wellness Campus on WellU or contact the Virta Health team directly.
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2026 Open Enrollment Benefits Decision Guide
Scripta Pharmacy Navigation Program Scripta is a unique pharmacy navigation program tool that helps to guide you to the right medication at the best price – with personal savings reports and concierge support services. What does Scripta do? Scripta helps participants find the right medications at the best price. If you have an opportunity to save, you will receive a Personalized Savings Report that lists your current medications and lower- priced options.
How Scripta supports Rx savings Scripta provides you with the tools and information you need to be a better prescription shopper—so you get what is best for your health and your wallet. It works by:
• Proven therapeutic alternatives • Coupons on current medications & alternatives • Where to fill for the best price
24/7 Access and Confidentiality You can access your reports 24/7 in the Scripta app or online portal. Reports may be delivered via mail, email or text message. Only you have access to your reports. Your employer does not have access to your prescription information. Need Help? Call Scripta Member Support and speak with a member advocate or pharmacist at (866) 572-7478 , Monday – Friday, 9:00 a.m. – 5:00 p.m. ET. You’re Already Enrolled! This free member benefit is part of your health plan. There’s no cost to participate.
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Supplemental Health Coverage NextGen Healthcare offers you a way to supplement your medical coverage with the following plans: • The Benefits Enhancer Bundle (Accident + Critical Illness Insurance) - New Enhanced Wellness Benefits • Hospital Indemnity Insurance - New Enhancement for 2026 These plans are offered through Aetna . You can choose from three plans: Good, Better, and Best . For complete plan details, visit 2026 Benefits Open Enrollment Campus . Benefits Enhancer Bundle (Accident + Critical Illness Insurance) Accident Insurance Accident Insurance pays benefits when you get treatment for an accidental injury. The plan pays for a long list of covered minor and serious injuries. You can use the benefits to help pay out-of-pocket medical costs or personal expenses. Unlike your medical plan, which pays providers for services and treatment, the Accident Plan pays benefits directly to you, giving you extra cash when you need it most. It can help fill in gaps, making it a great companion to your medical plan. You receive a cash benefit amount depending on the type of injuries you have and the medical services you need. Critical Illness Insurance Critical Illness Insurance can help you keep your focus on your health when it matters most. This extra coverage can help ease some financial worries during a difficult time. Your medical plan helps pay providers for services and treatment, but it may not cover some of the unexpected costs that come with a serious illness. Critical Illness Insurance helps fill in gaps by paying benefits directly to you if you are diagnosed with a covered serious illness or condition, like a heart attack or stroke.
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2026 Open Enrollment Benefits Decision Guide
Hospital Indemnity Insurance This plan provides cash benefits for expected and unexpected hospital admissions. Whether you have a planned surgery, emergency hospital visit that results in an admission, or having a baby, this plan pays you cash that can be used towards the cost of your stay — or however you need it most. You receive a cash benefit up to a specific amount for: • Hospital admission (24+ hours), up to two instances – NEW for 2026
• Hospital or ICU stay • Newborn routine care • Observation unit
Benefits are paid: • Directly to you, unless assigned to someone else • As a lump sum
Preventive Health Screening Wellness Benefit Enrolling in the Benefits Enhancer Bundle and Hospital Indemnity Insurance not only provides you with supplemental coverage when you may need it most, but also rewards you for completing your preventive health screenings each year. The Benefits Enhancer Bundle now pays a $100 wellness benefit for completing your preventive screenings. The hospital Indemnity Plan offers $50 for completing your preventative screening. If you enroll for both plans, that’s an annual reward of $150 for each covered member . For a full list of eligible preventive screenings and how to claim your wellness benefit, visit the 2026 Benefits Open Enrollment Campus or call (855) 482-9669 .
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Health Savings Account (HSA) What is a Health Savings Account (HSA)?
When you enroll in the $2,000 or $3,000 high deductible plans, you are eligible to open and contribute to an HSA through WEX . The HSA is a pre-tax, personal savings account you can use to pay for eligible health expenses anytime, even in retirement, giving you an opportunity to reduce your taxable income, and save for near-term or future healthcare expenses.
HSA Eligible Expenses Visit the WEX website and select Healthcare HSA from the drop-down menu for a full list of HSA eligible expenses.
Reasons to love your HSA • You own it : You own your HSA and can take it with you if you leave the company. • You choose how to use it : You choose how much you want to contribute to your HSA and can change your contribution throughout the year. The way you use your HSA is up to you, whether you use it for expenses during the year or let it roll over from one year to the next to use for eligible expenses in the future. • Tax Free : All of your contributions to the HSA are on a pre-tax basis, meaning the amount you elect to contribute comes out of your pay before taxes are deducted, reducing your taxable pay. • NextGen Healthcare contributes too : When you enroll in the $2,000 Deductible Plan or the $3,000 Deductible Plan, NextGen Healthcare contributes to your HSA, helping to offset your out-of-pocket health care expenses.
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2026 Open Enrollment Benefits Decision Guide
Contribution Limits NextGen Healthcare contributes to your HSA each quarter. If you want to receive the Company contribution, you must select the HSA during the online enrollment process and open your account. In order to receive the contribution from NextGen Healthcare you are not required to make contributions, however you must have an open account . In 2026, the IRS limits on total contributions to your accounts (from both you and NextGen Healthcare) are: $2,000 Deductible Plan $3,000 Deductible Plan NextGen Healthcare Contribution Employee Only : $500 per year Family : $1,000 per year Contributions are made quarterly Employee Only : $750 per year Family : $1,500 per year Contributions are made quarterly Employee only: Up to $4,400 per year Family: Up to $8,750 per year Are you age 55 or over? You can contribute $1,000 more! When calculating how much to contribute, be sure to take into account the amount NextGen Healthcare contributes to your HSA. You can contribute up to the annual limit set by the IRS. Remember these limits include the contributions to your account from NextGen Healthcare plus your contributions. Total Contribution (including Employer Contribution)
Who Can Enroll in an HSA? You are eligible to enroll in an HSA, if you are: • A U.S. resident • Enrolled in a High-Deductible Health Plan
• Not enrolled in a Health Care Flexible Spending Account (FSA) for the 2026 plan year • Not covered by any other non-high-deductible health plan, such as a spouse’s plan • Not enrolled in Medicare
• Not an active military member who is enrolled in TRICARE • Not claimed as a dependent on someone else’s tax return Note: You must re-enroll in this program each year.
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Flexible Spending Account (FSA) What is a Flexible Spending Account (FSA)?
An FSA is like getting a discount on everyday health and/or dependent care expenses because you are paying with pre-tax money. There are separate FSAs for health care and dependent care.
Health Care FSA A Healthcare FSA (HCFSA) allows you to set aside pre-tax dollars to pay for out-of-pocket healthcare expenses that you expect to have over the coming year. Available to employees who enroll in the $750 Deductible Plan; also available to those who do not elect medical coverage through NextGen Healthcare. This plan is administered through WEX. How the HCFSA Works • Estimate you and your family’s expected out-of-pocket costs for the coming year. This can include eligible expenses such as office visit copays, dental and vision expenses, prescription copays and even some over the counter items. • You can contribute up to $3,400 annually through pre-tax payroll deductions. You can only change your contribution amount during the year if you experience a QLE. • Pay for eligible expenses with your FSA debit card or request reimbursement for out-of-pocket payments you have made. Withdrawals from the FSA will be tax free as long as they are for eligible healthcare expenses. • Your entire annual contribution is available to you from the beginning of the plan year. • Expenses must be incurred between 1/1/2026 – 12/31/2026. This plan includes a grace period after the close of the plan year on 12/31/2026 that permits you to submit claims for reimbursement for expenses incurred during the plan year. All claims must be submitted by 3/31/2027. • Unused money does not carry over at the end of each year — use it or lose it! • You must re-enroll in this program each year.
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2026 Open Enrollment Benefits Decision Guide
Dependent Care FSA A Dependent Care FSA (DCFSA) allows you to set aside pre-tax dollars to pay for work-related day care expenses, before and after school care programs, day camp and more for children under age 13. This account can also be used for day care for a spouse or other adult dependent who lives with you and is physically or mentally incapable of self-care. This plan is available to all benefit eligible employees, even those who do not elect other benefit coverage through NextGen Healthcare. This plan is administered through WEX. • Elections cannot be changed during the year unless you experience a QLE, estimate carefully! • In 2026, you can contribute up to $7,500 annually (or $3,750 if you are married and file separate tax returns) through pre-tax payroll deductions to help cover your eligible dependent care expenses. • You can pay your dependent care provider directly from your DCFSA using your WEX debit card or submit claims to be reimbursed for out-of-pocket expenses. • DCFSA funds must be available in your account before they can be used for payment or reimbursed to you. • Unused money does not carry over at the end of each year — use it or lose it. Tip: A great way to set it and forget it so to use the WEX Recurring Dependent Care Form that allows you to submit one claim for the entire year and you will be reimbursed after each payroll. How the DCFSA Works • Estimate your out-of-pocket dependent care costs for the coming year.
FSA Eligible Expenses Visit the WEX website and select Healthcare FSA or Dependent Care FSA from the drop-down menu for a full list of FSA eligible expenses .
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HSA & FSA – WEX Resources Benefits Debit Card The benefits debit card is the fastest and most convenient way to pay for eligible expenses.
WEX will automatically mail you two debit cards to the address listed in your account the first time you enroll. You can also request a debit card for your dependents and/or spouse from your online account. Log in, then go to Accounts and select Banking/Cards. A dependent must be 18 years of age or older to receive a debit card in their own name. If you choose to pay for an HSA or FSA eligible expense out-of pocket, you can conveniently file for a reimbursement online or in the WEX app.
Benefits Eligible Expenses There are thousands of eligible procedures, items, and expenses based on your plan. View an interactive list of eligible expenses on the WEX Participant Portal.
Knowledgebase Once you are enrolled, check out the knowledgebase on the WEX Participant Portal to quickly search for answers to your questions. The knowledgebase features videos, articles, and step-by-step how- tos, empowering you to get the most out of your benefits.
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2026 Open Enrollment Benefits Decision Guide
Benefits Mobile App Access your benefits 24/7 with the WEX mobile app. The app is free, convenient and offers real-time access to all your benefits accounts. With the benefits mobile app you can: • Check your balance, view account activity, and get instant updates on the status of your claims
• File a claim and upload documentation in seconds using your phone’s camera • Report a card as lost or stolen, which cancels the card and ships you a new one • Log in through face recognition or fingerprint (depending on your phone) • Use Smart Scan to automatically file a claim from your Explanation of Benefits • Scan an item’s bar code to determine if it’s an eligible expense • Reset login credentials
Security on the go WEX’s mobile apps use encryption and won’t store photos, keeping your documentation safe and secure.
Participant Portal Go to wexinc.com , select Login, then Benefits Accounts, and then select a Participant Accounts option. This page provides login buttons for accessing your online account, along with helpful resources like a benefits knowledge base, a link to current eligible expenses, and chat.
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Pre-Tax Medical Savings Accounts Comparison Comparison of Tax-Advantaged Medical Savings Accounts Below is a summary of the tax-advantaged savings plans.
HSA
Health Care FSA
Dependent Care FSA
Employees who elect the $2,000 or $3,000 Deductible Medical plans and meet the other eligibility requirements (see below)
Employees who elect the $750 Deductible Medical Plan. Note: Enrollment in a NextGen Healthcare medical plan isn’t required in order to enroll in and contribute to a Health Care FSA Eligible medical, dental, and vision expenses you incur that are not covered by insurance
All eligible employees. Note: Enrollment in a NextGen Healthcare medical plan isn’t required in order to enroll in and contribute to a Dependent Care FSA Eligible day care expenses for your children under age 13 or dependent elders who live with you • Before-school and after- school care • Day camp • Day care center • Nursery school/preschool • Elder care • Services by housekeepers, au pairs or nannies whose primary responsibility is to care for the dependent
Who Can Enroll
Current or future eligible medical, dental, and vision expenses that are not covered by insurance
What to Use it For
• Plan deductibles and coinsurance • Copays for medical, dental, and vision services • Eyeglasses and LASIK eye surgery • Hearing aids and batteries
Examples of Eligible Expenses
$2,000 Deductible Plan NextGen Healthcare contributes: • Employee only: $500 • Family: $1,000 $3,000 Deductible Plan NextGen Healthcare contributes: • Employee only: $750 • Family: $1,500
Receive Company Contributions?
No
No
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2026 Open Enrollment Benefits Decision Guide
Comparison of Tax-Advantaged Medical Savings Accounts–Continued
HSA
Health Care FSA
Dependent Care FSA
Up to $4,400 per year for employee only coverage - up to $8,750 per year if you cover dependents These limits include NextGen Healthcare’s contributions If you’re age 55 or older in 2026, you can contribute an additional $1,000.
$7,500 per household ($3,750 if married and filing a separate tax return)
Annual Contribution
Up to $3,400
Change your Contribution Amount Anytime
Yes
No
No
How to Receive Reimbursement
Use your debit card or submit paper claims, along with your itemized receipt(s)
Access your entire annual contribution amount starting January 1 Access only funds that have been deposited Does the unused balance roll over to next year?
No
Yes
No
Yes
No
Yes
Yes, the money rolls over from year-to-year, and is yours to keep–even if you leave NextGen Healthcare Yes, once you balance reaches $1,000, you can invest the money in a variety of funds
No, all unused funds are forfeited after December 31, 2026
Can you invest the funds?
N/A
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Dental Plan NextGen Healthcare offers you two dental plans through Ameritas.
Your dental health and hygiene play a major role in your overall health. Daily brushing and flossing are important, but regular exams will help to detect any dental issues early before they become more painful…and expensive! NextGen Healthcare’s Dental plan options make it easier and more cost effective to get the care you need to keep up with your dental health. NextGen Healthcare’s Ameritas plans include four types of services: • Preventive – Care includes exams, cleanings and x-rays • Basic – Care focuses on repair and restoration including services such as fillings and root canals • Major – Care includes more extensive services such as bridges, crowns and dentures • Orthodontia (Enhanced plan only) – Care includes treatment to properly align teeth Dental Rewards Ameritas Dental offers additional ways for participants to get the most benefit out of their coverage through the Dental Rewards program. Annual Carryover Amount: Members have the opportunity to carryover up to $250 of unused dental maximum dollars to the following year. How Dental Rewards Work: • Use less than $500 of your dental maximum dollars • Visit your dentist a minimum of one time during the benefit year • PLUS…If the dental provider you visited was in-network, you qualify for an additional $100 of carryover dollars • Maximum carryover dollars for the life of your participation is $1,000
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2026 Open Enrollment Benefits Decision Guide
FUSION Benefits Ameritas dental plans include a program called FUSION. The FUSION Program allows you to use a portion of your annual dental maximum towards your vision expenses Flexibility – Dental dollars for vision expenses A portion of your annual dental maximum can be used to help cover your vision expenses. You can use your entire maximum for dental care or use up to $150 of that dental maximum for vision care expenses such as eye exams, glasses or contacts.
FUSION You do not need to be enrolled in a NextGen Healthcare Vision Plan to take advantage of the FUSION benefit.
How FUSION Works: • Double check the annual dental
maximum for the plan you would like to elect • Schedule an appointment with your preferred vision provider • Pay your vision provider for any out-of- pocket responsibility and request an itemized receipt • Submit a claim for reimbursement to Ameritas • Ameritas will reimburse you up to $150 for out-of-pocket vision expenses • Your annual dental maximum will be reduced by $150 after reimbursement
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Dental Plan Summary
Standard
Enhanced
Plan Benefit Type 1 (Preventive)
100% 70% 50% $50 lifetime Type 2,3 services; no family deductible
100% 70% 50% $50 lifetime Type 2,3 services; no family deductible
Type 2 (Basic Services) Type 3 (Major Services) Deductible
Maximum (per participant)
$1,000 per calendar year 90th Usual & Customary
$1,000 per calendar year 90th Usual & Customary
Allowance
Dental Rewards
Included, see below for details
Included, see below for details
FUSION - Supplemental Vision Waiting Period for Major Services
$150 reimbursement for out-of-pocket expenses
$150 Reimbursement for out-of-pocket expense
None
None
Annual Eye Exam
None
None
Orthodontia Summary - Adult and Child Coverage Allowance None
U&C 50%
Plan Benefit
None
Lifetime Maximum (per person)
None
$2,500
Waiting Period
None
None
Online and Mobile App Access to Ameritas Benefits A secure member portal and app to easily: • Find a Dentist in your area
• Quickly access all your ID cards • Access your benefit information • View deductible and maximum benefit usage
• View and download EOBs • Opt-in to paperless delivery
How to Find an In-Network Provider Call (800) 487-5553 or visit ameritas.com . Monday – Thursday 7:00 a.m. – 12:00 a.m. CT, Friday 7:00 a.m. – 6:30 p.m. CT
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2026 Open Enrollment Benefits Decision Guide
Vision Plan The Vision plan in 2026 is offered through Ameritas . Ameritas provides NextGen Healthcare employees with expanded options for in-network coverage by offering you plan designs with the choice of two different plan levels and two different provider networks. How Vision Plan Works Review the plan options and determine if your preferred provider is in either the VSP or EyeMed network. With a variety of provider options, including Costco, LensCrafters, and individual vision providers, you are sure to find the provider that is right for you. You will still have benefits if you use an out-of-network provider, however, you will get the best cost savings by seeing an in-network provider.
VSP Network Standard Plan
VSP Network Enhanced Plan
EyeMed Network Standard Plan $10 Exam $25 Eye Glass Lenses
EyeMed Network Enhanced Plan $10 Exam $10 Eye Glass Lenses
$10 Exam $25 Eye Glass Lenses
$10 Exam $10 Eye Glass Lenses
Deductible
Annual Eye Exam Lenses (per pair) Single Vision Bifocal Trifocals Lenticular Progressive
Covered in full
Covered in full
Covered in full
Covered in full
Covered in full Covered in full Covered in full Covered in full See lens options Member cost up to $60 N/A
Covered in full Covered in full Covered in full Covered in full See lens options Member cost up to $60 N/A
Covered in full Covered in full Covered in full 20% discount See lens options Member cost up to $40 10% off of retail
Covered in full Covered in full Covered in full 20% discount See lens options Member cost up to $40 10% off of retail
Contacts Fit & Follow-up Exams - Standard - Premium (allowance)
Elective
Up to $150
Up to $200
Up to $150
Up to $200
Medically Necessary
Covered in full
Covered in full
Covered in full
Covered in full
Frame Allowance
$150
$200
$150
$200
Frequencies (months)
12/12/24 Based on date of service
12/12/12 Based on date of service
12/12/24 Based on date of service
12/12/12 Based on date of service
Exam/Lens/Frame
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Extra savings Each network provides additional savings on eye wear and laser vision correction.
VSP Network Glasses and sunglasses • 20% off the remaining frame balance above the retail allowance • 20-40% off lens enhancements • 20% off additional complete pairs of prescription glasses and/or prescription sunglasses Contacts • Allowance can be applied to disposables when contacts are chosen in lieu of glasses Laser Vision Correction • Laser VisionCare VSP offers an average discount of 15% off or 5% off a promotional offer for LASIK and PRK* * The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK.
EyeMed Network Glasses and sunglasses • 20% off the remaining
How to Find an In-Network Provider Visit ameritas.com or call (800) 487-5553 Monday – Thursday 7:00 a.m. – 12:00 a.m. CT Friday 7:00 a.m. – 6:30 p.m. CT
frame balance above the retail allowance
• 40% off additional complete pairs of
prescription glasses and/or prescription sunglasses
Contacts • 15% discount off the remaining balance in excess of the conventional contact lens allowance Additional savings • 20% discount on items not covered by the plan at network providers, which may not be combined with any other discounts or promotional offers
Based on applicable laws, reduced costs may vary by doctor location.
VSP Network
EyeMed Network
Network includes:
Network includes:
Contacts Direct and Glasses.com are in the EyeMed network and apply vision benefits to the online shopping cart.
Eyeconic.com is in the VSP network, so vision benefits are applied directly to the online order.
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