2024 CREA Open Enrollment Brochure

2024 Employee Benefits Guide

MYCREABENEFITS.COM

Enrollment & Eligibility

2024 PLAN YEAR DETAILS

Eligibility All full-time employees working 30 hours per week are eligible for the benefits program. • You may insure yourself and eligible family members under the program. • Your children are eligible for medical, dental, and vision to age 26 (and Voluntary Life Insurance where the maximum dependent age is 25) • Your children of any age are also eligible if you support them, and they are incapable of self-support due to disability.

Proof of Dependent Eligibility As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days.

Making Benefit Changes After Open Enrollment You may make a change to your benefits if you have a qualified status change such as: • Marriage • Divorce • Legal Separation • Birth or adoption of a child • Change in a child’s dependent status • Death of a Spouse, child, or other qualified dependent • Commencement or termination of adoption • Change in your spouse’s benefits or employment status

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This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations , and exclusions set forth in each insurance carrier or provider’s contract.

Medical & Prescription Drugs Insured by Anthem Blue Cross Blue Shield 2024 Medical Benefit Overview

PRIMARY Plan

BASIC Plan

Network Benefits

Non-Network Benefits

Network Benefits

Non-Network Benefits

Physician Office Visit

0% after Deductible 30% after Deductible

$30 after Deductible 30% after Deductible

Specialist Office Visit

0% after Deductible 30% after Deductible

$50 after Deductible 30% after Deductible

Deductible

Embedded

Single

$3,200

$9,000

$4,000

$12,000

Family

$6,000

$18,000

$8,000

$24,000

Coinsurance

30%

Out-of-Pocket Maximum

Embedded

Single

$3,200

$9,600

$5,000

$15,000

Family

$6,000

$19,200

$10,000

$30,000

Preventive Care

100% Coverage

30% after Deductible

100% Coverage

30% after Deductible

Hospital Services

0% after Deductible 30% after Deductible

Out-Patient Services

0% after Deductible 30% after Deductible

Maternity Services

0% after Deductible 30% after Deductible

Emergency Room Services

0% after Deductible

$250 after Deductible

Urgent Care Centers

0% after Deductible 30% after Deductible

$75 after Deductible 30% after Deductible

Mental & Nervous In-Patient

0% after Deductible 30% after Deductible

Out-Patient

0% after Deductible 30% after Deductible

Substance Abuse In-Patient

0% after Deductible 30% after Deductible

Out-Patient

0% after Deductible 30% after Deductible

Retail Prescription Drugs Generic

0% after Deductible 50% after Deductible

*$10 after Deductible 50% after Deductible

Preferred

0% after Deductible 50% after Deductible

*$35 after Deductible 50% after Deductible

Non-Preferred

0% after Deductible 50% after Deductible

*$75 after Deductible 50% after Deductible

Mail Order Prescription Drugs Generic

0% after Deductible

Not Covered

$25 after Deductible

Not Covered

Preferred

0% after Deductible

Not Covered

$105 after Deductible

Not Covered

Non-Preferred

0% after Deductible

Not Covered

$225 after Deductible

Not Covered

Preventive Rx Meds

Covered in full!

*Retail copays for medications on the BASIC plan will be higher at Walgreens, Meijer, Rite- Aid, Sam’s Club & Costco

Medical Administration by Anthem: Anthem has negotiated discounts with a large national network of doctors and hospitals named Blue Access PPO. You will enjoy the highest level of benefits and the greatest value if you choose to receive care through the Blue Access PPO Network of providers. While it is not required that you utilize the network, the services you obtain outside of the network will be billed at a greater cost to you. You may log on to www.Anthem.com for a listing of participating providers. Please visit myCREAbenefits.com for further details

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2024 Plan Year Details Overview of Benefit Contributions

Anthem Medical Semi-Monthly Premiums

Health Tier

Basic Plan

Primary Plan

Employee Only

$62.79

$102.53

Employee + Spouse

$206.73

$292.48

Employee + Child(ren)

$140.98

$205.71

Family

$285.04

$395.83

Dental Semi-Monthly Premiums

Employee Only

$3.97

Employee + Spouse

$11.46

Employee + Child(ren)

$19.07

Family

$30.14

Vision Semi-Monthly Premiums

Employee Only

$4.08

Employee + Spouse

$6.88

Employee + Child(ren)

$7.01

Family

$11.29

Page 4 | CREA, LLC | Plan Year 2024

Anthem’s iPhone & Android App Sydney

All Your Health Plan Information in One Place Find Care & Check Costs – It’s easy to search for doctors, dentists, hospitals, labs and other providers in your plan. You can search by name, location and type of care. You can even filter by gender or languages spoken, then check costs before you go. Digital ID Cards - You can always have your most current ID card handy. And you can use it just like a paper one when you visit the doctor, dentist, pay for care and more. Interactive Chat - Simply type your questions in the app and get answers quickly. Sydney can suggest resources to help you understand your benefits, improve your health, and save money. Benefit Plan Overview - Sydney shows you essential information at-a- glance, whether that’s an overview of your plan, health reminders, or suggestions for wellness programs. You also can find your deductible, copay and share of costs . View Claims - With one click, you can check claims. That means you can spend more time focused on your health and less on managing your health benefits. Check Health Records - Anthem gives you easy access to your health data, including health history and electronic medical records, all in one place. Availability is based on your plan.

Page 5 | CREA, LLC | Plan Year 2024

Anthem’s Telehealth App

No Waiting Room, No Need to Leave Home

See a board-certified doctor 24/7 – You don’t need an appointment to see a doctor. They’re always available to assess your condition and send a prescription to the pharmacy you choose, if needed. It’s a great option when you have pink eye, a cold, the flu, a fever, allergies, a sinus infection or another common health issue. Visit a licensed therapist in four days or less - Have a video visit with a therapist to get help with anxiety, depression, grief, panic attacks and more. Schedule your appointment online or call 1-888-548-3432 from 8 a.m. to 8 p.m., seven days a week. Consult a board-certified psychiatrist within two weeks - If you’re over 18 years old, you can get medication support to help you manage a mental health condition. To schedule your appointment, call 1-888-548-3432 from 8 a.m. to 8 p.m., seven days a week.

Your Anthem plan includes video visits using LiveHealth Online, you just pay your share of the costs — usually $59 or less for medical doctor visits, and a 45-minute therapy or psychiatry session usually costs the same as an office mental health visit. Visit www.livehealthonline.com or download the app and register on your phone or tablet.

Finding a Primary Care Physician (PCP) In Your Plan

With your Anthem plan, you get access to a large network of doctors across the country — so you have more choices when selecting your PCP. Finding an in- network PCP is easier with our online tools. You can search for a doctor by name or look for one near you. Avoid getting care from doctors outside your plan because it will likely cost you more, or your plan may not cover it at all.

1. Go to www.anthem.com/find-doctor

2. Choose your search:

• Search as a Member: Use your member ID card number or log in with a username and password. • Search as a Guest: Select a plan or network, or search by all plans and networks, to get started.

3. Select a type of doctor and location or search within a certain distance of your location.

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Wellbeing Solutions Earn $200

Focus on Your Well-being & Earn Rewards up to $200

The more activities you complete, the greater your reward. The Wellbeing Solutions program connects you with easy-to-use digital health and wellness tools that can help you stay your best. When you complete any of the activities listed below sponsored by your employer, you’ll earn rewards to put toward an account deposit. You choose the activities you’d like to complete to receive the maximum of $200 in rewards.

Activities

Amount

Annual preventive wellness or well-woman exam with your doctor

$25

Annual cholesterol test

$20

Colorectal cancer screening

$25

Routine mammogram

$25

Annual eye exam

$25

Get an annual flu shot

$20

ConditionCare: Work one-on-one with your health coach and earn rewards for participating in and completing the program Future Moms: Moms-to-be can receive support from a registered nurse and earn rewards for completing initial, interim, and postpartum assessments Well-being Coach: Weight Management: Receive one-on-one coaching by phone as you complete your goal to earn a reward Well-being Coach/Tobacco Cessation: Receive one-on-one coaching by phone as you complete your goal to earn a reward

Up to $50

Up to $40

$25

Connect a fitness or lifestyle device

Complete a health assessment

$20

Complete action plans around eating healthy, weight management, and physical activity

Up to $25

To view your rewards, open the Sydney Health app or go to anthem.com . Next, go to My Health Dashboard .

1 2 3

Track your steps

Up to $60

Complete Well-being Coach digital daily check-ins

Up to $20

Select My Rewards.

Update your contact information

$10

Select Redeem Rewards to see how much you’ve earned. Use your rewards toward an account deposit.

Page 7 | CREA, LLC | Plan Year 2024

Health Savings Accounts

A Health Savings Account (HSA) is a consumer-oriented, tax-advantaged savings account that is always combined with a Consumer Driven Health Plan (CDHP). It is an interest-accruing account, similar to an Individual Retirement Account (IRA), which provides financial control over how you spend your health care dollars and can be used to pay for your out-of-pocket medical expenses. HSA earnings grow tax- deferred and qualified withdrawals are tax- free without “use it or lose it” provisions found with a Flexible Spending Account (FSA). Money not used in your Health Savings Account can be rolled over to the following year. HSA funds can be used for all qualified medical expenses, including medical services, as well as eyeglasses, dental procedures, prescription drug coverage and over-the-counter medications provided you submit a prescription from your provider. See IRS Publication 969 for more information and a listing of Qualified Eligible Expenses at www.irs.gov.

To qualify for an HSA, you must meet the following requirements, as defined by the IRS: • You must be covered under a Consumer Driven Health Plan

Employer Annual HSA Base Contributions If you enroll in a health plan in 2024, CREA will make a base contribution to your HSA based on the tier of coverage you are enrolled in.

•

You have no other health coverage except what is permitted by the IRS

CREA Annual HSA Contributions

Employee Only

$750

Employee +1 or more Dependents

$1,500

• •

You are not enrolled in Medicare You cannot be claimed as a dependent on someone else’s tax return.

IRS 2024 Maximum Contributions

How Should You Manage Your HSA? • Contributions can be made with pre-tax money through payroll deductions, or contributions can be made post-tax and then deducted from your income when you file your income tax return.

2024 IRS Max Contributions

IRS Post Age 55 “Catch - up”

Employee

$4,150

$1,000

Family

$8,300

$1,000

•

Funds should be limited to qualified medical expenses Keep receipts documenting medical expenses

If You Will Be Turning 65 Active employees turning 65 have the option to accept or decline enrollment in Medicare, including Medicare Part A. • Employees who accept enrollment in any part of Medicare are no longer eligible to make or receive contributions to an HSA. • If you elect Medicare at age 65, your maximum HSA contribution for the year you elect will be prorated by the number of months you were not enrolled in Medicare. • Employees who decline enrollment may continue to make and receive contributions to an HSA. • Qualified distributions remain tax-free regardless of your eligibility to contribute. • Non-qualified distributions are taxable but no longer carry a 20% penalty after age 65. • Medicare Part(s) A, B, D and Medicare HMO premiums may be paid or reimbursed with tax-free HSA dollars. You cannot use your HSA to pay for Medigap premiums.

•

When to Stop Contributing to Your HSA? • When you are no longer enrolled in a qualified health plan •

When you become eligible for Medicare and you plan to enroll, you must stop your HSA.

Page 8 | CREA, LLC | Plan Year 2024

Dental & Vision

Anthem Dental

Anthem Vision

In-Network

Out-of-Network

Annual Deductible Individual Family

Routine Eye Exam - (once every calendar year)

$75 $225

$10 copay

$42 allowance

Annual Plan Maximum

$1,000

Frames - (once every other calendar year)

Orthodontia Lifetime Maximum (to age 19)

$130 allowance then 20% off any remaining balance

$45 allowance

$2,000

Plan Coinsurance Levels Preventive Services

100% 80% 50% 50%

Standard Plastic Lenses - once every calendar year)

Basic Services Major Services Orthodontia

Single vision (1 pair) Bifocal lenses (1 pair) Trifocal lenses (1 pair)

$20 copay $20 copay $20 copay

$40 allowance $60 allowance $80 allowance

Provider Directory: www.Anthem.com

Contact Lenses - (once every calendar year in lieu of glasses)

Elective Non-Elective

$130 allowance Covered in full

$105 allowance $210 allowance

When you utilize an Anthem Dental Choice Dental provider, you will receive discounts for services provided and the plan will reimburse the maximum allowable benefits. Anthem will pay PPO dentists directly based on their submitted fee or the amount in their local Anthem PPO dentist schedule, whichever is less.

Provider Directory: www.anthem.com Allowances must be used on transaction

Anthem Blue Cross and Blue Shield vision members have access to one of the nation’s largest vision network. Blue View Vision is the only network that gives you the ability to use in- network benefits at 1-800-CONTACTS, or choose a private eye doctor, or go to retail vendors such as LensCrafters®, Sears Optical, Target Optical®, and most Pearle Vision locations.

Page 9 | CREA, LLC | Plan Year 2024

FSAs Administered by Flexible Spending Account Options

Dependent Care Flexible Spending Accounts

Flexible Spending Accounts (FSAs)

What is a Medical FSA? It’s an employer - sponsored benefit that allows those who don’t have an HSA to set aside up to $3,200 on a pre-tax basis through payroll deduction to help offset unreimbursed medical, dental or vision expenses. What can the funds be used on? Examples of eligible expenses FSA dollars can generally be used for include: • Medical copays, deductibles, prescriptions • Dental services such as crowns, bridges, dentures, implants, oral surgery • Vision services such as prescription eyeglasses, eye exams, prescription sunglasses, Lasik surgery

What is it? It’s an employer -sponsored benefit plan that allows employees to put aside funds for certain dependent care expenses on a pre-tax basis up to a specified limit ($5,000 in 2024 or $2,500 if you are married and file separate tax returns). What dependent care expenses are eligible for reimbursement? It must be an “employment - related expense” that allows the taxpayer to work. Who is a qualifying individual? A taxpayer’s dependent who is under age 13 or the taxpayer’s dependent or spouse who is physically or mentally incapable of self-care and who has the same principal place of abode as the taxpayer for more than half the taxable year. May I pay for eligible services in advance? No, services can only be paid for as they occur and as funds exists in the account. What are some examples of expenses eligible for reimbursement ? • Nursery school, preschool or similar program below the level of kindergarten • Before and after school care of a child in kindergarten or a higher grade • Day camp expenses Ineligible expenses include: • Overnight camp costs • Expenses for kindergarten or higher grade levels • Payments to either the taxpayer’s spouse or to a parent of a taxpayer’s child who is not the taxpayer’s spouse

• Contact lenses and related supplies • Hearing exams and hearing aids

• Infertility treatments, in vitro fertilization • Mental health counseling (not marital) • Birth control, tubal ligation, vasectomy • CPAP machines and accessories • Breast pumps and lactation supplies • Diabetic supplies • Sanitary napkins, pads, liners, tampons • Walkers, wheelchairs, crutches • Incontinent supplies • Many other over-the-counter (OTC) and medical supplies What is a Limited Purpose FSA? It’s an employer - sponsored benefit that allows those who do have an HSA to set aside money on a pre-tax basis through payroll deduction to help offset unreimbursed dental or vision expenses.

For more information on eligible OTC supplies go to https://fsastore.com/fsa-eligibility-list.

For more information on how to file a claim, go to www.hrpro.com.

Who can use either FSA? Funds can be used by the FSA owner’s spouse and a person claimed as a dependent on FSA owner’s taxes (with certain qualifications).

To file a claim, go to www.hrpro.com.

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Basic Life, Basic AD&D, STD & LTD

Eligible Employees Include: Full-Time Employees

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. The rider covers the unintentional death or dismemberment of the insured. Dismemberment includes the loss of, or the loss of use of, body parts or functions (e.g., limbs, speech, eyesight, or hearing).

Basic Life Insurance

Employer pays 100% of premium for Basic Life

Benefit: $50,000

Coverage decreases incrementally beginning at age 70

Eligible Employees Include: Full-Time Employees

Basic Accidental Death & Dismemberment Insurance

Employer pays 100% of premium for Basic Life

Benefit: $50,000

Coverage decreases incrementally beginning at age 70

Income Benefit

60% of Weekly Earnings

Disability benefits protect your income during a period in which you are unable to work because of an illness or accident not related to your job.

Voluntary Short-Term Disability Benefits

8 th or 15 th day of disability

Benefits Begin

Maximum Weekly Benefit

$1,385

Maximum Benefit Period

13 weeks

Employee pays 100% of premium for Short-Term Disability

Income Benefit

66.67% of Monthly Earnings

Disability benefits protect your income during a period in which you are unable to work because of an illness or accident not related to your job.

Long-Term Disability Benefits

91 st day of disability

Benefits Begin

Maximum Monthly Benefit

$15,000

Maximum Benefit Period

To Normal Social Security Retirement Age (age 65-67)

Employer pays 100% of premium for Long-Term Disability

$10,000

Benefit Increments

Voluntary Life and AD&D Insurance

Benefit Maximum

$500,000 or 5x earnings

Employees pay 100% of the premiums for Voluntary Benefits.

EMPLOYEE BENEFIT

Guarantee Issue

$100,000 Premiums are based on your benefit choice and your age.

SPOUSE BENEFIT

Benefit Amount

$5,000 up to $250,000

CHILD(REN) BENEFIT

Benefit Amount

$5,000 or $10,000

Evidence of Insurability is required for new enrollments in the plans or increases in benefit amount.

Page 11 | CREA, LLC | Plan Year 2024

Voluntary Insurance Options through Anthem

Accident coverage provides a cash benefit for qualifying accidental losses. It can help pay for out-of-pocket medical costs, costs that may not be covered under your medical plan,

Voluntary Accident Insurance

or daily expenses. On the job accidents are excluded. Key Features: • Cash benefit paid directly to you in a lump-sum, tax-free payment • No medical questions or exam needed to enroll • You can take your coverage with you even if you leave your employer • No limitations for pre-existing conditions

Please see www.MYCREAbenefits for full details.

Critical Illness coverage provides the added layer of security you want and need when illness occurs — a lump-sum cash benefit to help pay for unexpected costs. You decide how to use the benefits: Help pay for out-of-pocket medical costs, prescriptions, hospital bills, x-rays, daily expenses, rent, food, or transportation. Key features: • Cash benefit is paid directly to you in a lump-sum, tax-free payment • $50 payment towards health screenings, such as a lipid panel or fasting glucose test • You can take your coverage with you even if you leave your employer • Critical Illness benefits for covered spouse and dependents are 50% of the amount shown below, except for Health Screening and Skin Cancer

Voluntary Critical Illness

Please see www.MYCREAbenefits for full details.

Voluntary Hospital Indemnity Insurance

Hospital Indemnity provides a lump-sum, tax-free cash benefit to help pay for costs that can come with a hospital stay that your health plan doesn’t cover. Use your hospital indemnity coverage to help pay for out-of-pocket medical costs or daily expenses like rent, food or transportation. Key features: • Cash benefit is paid directly to you in a lump-sum, tax-free payment • Covers hospitalization for normal pregnancy from day one with no waiting period • You can take your coverage with you even if you leave your employer and keep the same rate for three years • No limitations for pre-existing conditions

Please see www.MYCREAbenefits for full details.

Page 12 | CREA, LLC | Plan Year 2024

YOUR BENEFITS DECISION-MAKING COUNSELOR Meet ALEX

ALEX, Benefits Counselor Tool

ALEX is an interactive, online tool that works on any computer, tablet, or smartphone.

It’s an expert on benefit plans and using it can help educate you and pick benefits that provide the right level of coverage for your needs.

Here are the three important things to know about the ALEX tool:

ALEX is personalized, which means it can help you see which plan makes the most sense for YOU, not your coworkers, or your boss.

1 2 3

ALEX is easy to use. The tool doesn’t ask for a username or password. You just click on the link from any computer, tablet, or smartphone, and go. Also, ALEX presents benefit information in an easy to understand and an uncomplicated manner. ALEX is confidential. While it does ask questions about your personal situation to understand your needs, your answers are completely confidential, and nothing you share with the tool will ever be recorded or shared.

Click the link to get started: www.myalex.com/CREA-LLC/2024

Page 13 | CREA, LLC | Plan Year 2024

Pharmacy Cost Comparison Tools Did you know prescription drug costs vary from pharmacy to pharmacy? Your insurance carrier provides discounts for prescriptions when you use your ID card at the time of the fill. However, vendors exist that may provide greater or additional discounts. Review the tools below to shop and compare the next time you need to fill a medication.

GoodRx www.goodrx.com

RX Help Centers www.RXHelpCenters.com

GoodRx has both a website and a mobile app that can be used to compare prices. Go to the website and type in your drug name. GoodRx will display the cost available at multiple pharmacies. Show the coupon to your pharmacist. You do not need to register, and you don’t need an ID card.

RX Help Centers provide assistance in finding resources for high-cost brand name medications by advocating directly with drug manufacturers. Visit their website or call 866-478-9593.

Rx Tools

Mark Cuban’s CostPlus Drug Company costplusdrugs.com The goal of the Mark Cuban Cost Plus Drug Company is to dramatically reduce the cost of drugs like Albendazole, but we also think that it is just as important to introduce transparency to the pricing of drugs, so patients know they are getting a fair price. Watch the video to the left to understand when it’s right for you to use this service.

When to Use Coupons In this video, our in-house Pharmacist walks you through why medications are less expensive through these services. He also compares if it might be better to save using coupons, or if you’ll save more in the long run chipping away at your deductible to meet your out-of-pocket max earlier in the year.

Watch online at lhdbenefits.com/rx-education/

Page 14 | CREA, LLC | Plan Year 2024

EAPs FOR EMPLOYEES & FAMILIES

How can New Avenues EAP help?

New Avenues Employee Assistance Program

Marriage

We believe the health and wellbeing of our employees is of critical importance. Our employee assistance program is available to ALL employees and their immediate family members . It is not required to be enrolled in our health plan to take advantage of these EAP services available to you. Our EAP is FREE to all employees and eligible dependents. New Avenues is completely confidential. Each employee and family member received five (5) free visits per contract year.

Divorce or Separation

Grief

Stress

24/7/365 Access

Financial Worries

(800) 731-6501 Call for more information.

NewAvenuesOnline.com Password: CREA

Alcohol/Drug Problems

FREE & CONFIDENTIAL

Child/Adolescent Issues

Mutual of Omaha Employee Assistance Program

You have a second EAP, through Mutual of Omaha. For more information, call 800-316-27963

Communication Problems

Free & Confidential

Page 15 | CREA, LLC | Plan Year 2024

Anthem Tools to Know

As a member of an Anthem Medical Plan, you have access to a variety of tools that save you time, money, and help keep you better informed about your medical plan offerings and plan usage.

Anthem Member Website Portal Once you receive your Anthem ID card, register on the portal at www.anthem.com. The portal gives you access to your ID cards, claim summaries, and EOB statements. You can search and compare costs of different providers and services, download claims and mail order delivery forms, price medications, and access discount programs available through Special Offers. LiveHealth Online LiveHealth Online provides immediate doctor visits through live video. Sign up at livehealthonline.com or download the mobile app. Board certified physicians available 24/7, prescriptions available, $59 per visit. Licensed psychiatrists and psychologists are also available at an additional cost. Pharmacy Immunization If your physician has given you a prescription for the flu, pneumonia, or shingles vaccine, you can have that vaccine administered at a participating pharmacy. Visit CVS, Kroger, Meijer, Target, Walgreens, and Walmart and show them your ID card. The coverage is the same as if you were in your doctor’s office. There is no cost to you. 24-Hour Nurse-Line Anthem has you covered by offering a 24/7 nurse- line. You can get help finding providers or getting advice for minor illnesses or injuries. Call 800-337- 4770 to speak to a nurse anytime, day or night. trackers, gym memberships, pet insurance, glasses and contacts, vitamins, smoking cessation classes, as well as other health improvement products. Visit your Anthem portal and select Discounts to view the member exclusive offers. Discounts Get discounts on LASIK, hearing aids, activity

Sydney Mobile App Download the mobile app to get a copy of your ID card immediately via your smartphone (which can be faxed or emailed to your provider); compare costs of nearby doctors for different procedures; search for in-network doctors, urgent care centers or hospitals; check the cost of drugs or get refills; and view your mobile Health Record and share it with your doctor. BCBS Global Core When you travel outside the U.S., your Anthem group plan covers you in the event of an emergency. A Service Center is available 24/7 to assist you in finding a doctor or hospital. Visit bcbsglobalcore.com for more information regarding Service Center contact information and claim forms.

Page 16 | CREA, LLC | Plan Year 2024

Quick Reference

Anthem Medical Customer Service: (833) 578-4441 Website: www.anthem.com

Note: Your Anthem Group Number is W11616!

Anthem Dental Customer Service: (844) 729-1565 Website: www.Anthem.com/mydentalvision

Important Contact Information:

Anthem Vision Customer Service: (866) 723-0515 Website: www.Anthem.com/mydentalvision

Please utilize the website resources for provider information, pharmacy information, and general claims information.

The Customer Service phone numbers can assist you with benefits and specific claims questions.

FSAs with HRPro Customer Service: (800) 989-8776 Website: www.HRPro.com

Additional education pieces

and resources are available

Benefits Portal Website: myCREAbenefits.com

at myCREAbenefits.com

Employee Assistance Program – New Avenues Customer Service: (800) 731-6501 Website: www.NewAvenuesOnline.com Login: CREA

LiveHealth Online Schedule an appointment: (888) 548-3432 or download the app on your phone or tablet Website: www.livehealthonline.com

Talk to Alex Customer Service: (800) 731-6501 Website: www.myalex.com/CREA-LLC/2024

Sydney All your health plan information in one place! Download the app on your phone or tablet.

Page 17 | CREA, LLC | Plan Year 2024

Online Enrollment

Enroll In Your Benefits Online!

ACCESS & LOG IN

• Username: This will be your e-mail address

• Password: Your Social Security number with no

dashes or separations. After logging in the first time, you will be required to choose your own password.

Review the Employee Usage Agreement and complete all requested personal and dependent information, click Save & Continue .

BENEFITS ENROLLMENT PROCESS

Once all personal and dependent data is entered, you will begin online enrollment.

•

Click on the

to view plan outlines.

• Click on the circle to the left of the benefit name to view the plan’s cost per pay period. Then click on the box next to each eligible family member or choose the coverage level you are considering. Your per pay cost will show in the box to the right of the members’ names. • Enroll you and your dependents by clicking the circle next to the appropriate plan. Then click on the box next to each family member to be covered or click the box next to “I waive enrollment”. Click Save & Continue .

• Complete all information for primary and contingent beneficiary, if applicable. Click Save & Continue .

ENROLLMENT FORMS & FINISH

Once all screens are complete, the final Enrollment Form will confirm all personal, dependent, and enrollment information.

Click FINISH to execute your benefit elections!

Page 18 | CREA, LLC | Plan Year 2024

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