SPEAR 2024 Benefit Guide

Open Enrollment 2024 November 15 th – November 27 th , 2023

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Agenda

• Open Enrollment Highlights • Benefit Offerings o Medical

o Dental Benefits o Vision Benefits o Life & Disability o Accident Protection

• Pre-Tax Benefits • Benefit Resources • Completing Enrollment

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Open Enrollment Highlights • It’s the one time of year employees can make change current benefit elections

• Open Enrollment Period: November 15 th – November 27 th , 2023 ➢ For plans effective January 1 st , 2024

• This is an ACTIVE enrollment –

➢ All team members will need to complete an enrollment to continue and/or waive coverage for 2024.

• Enrollment is completed in your Ceridian Benefit portal

• Meet a variety of employee needs & ensure the most competitive benefits

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Open Enrollment Headlines

• No Increase to EE Only Base Plan Premiums

• Decreased Family Base Plan Premiums

• NEW – Mental Health Support for all Team Members with Journey Live

• NEW – ID Theft Protection Offering

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Mental Health Benefits

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Available to ALL EMPLOYEES

NEW! JOURNEY

The Journey LIVE digital platform includes live and on-demand resources that support your proactive mental health practices.

By addressing life's challenges in the moment, you can live a happier, healthier, less stressed life.

Available anywhere on Website and Mobile Apps

Daily Journey newsletter for quick tips and practices

Expert-driven content that supports you personally and professionally

Personalized suggestions based on your goals and activities

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NEW! Norton LifeLock

Benefit Plan Overview

Benefit Premier Plus $12.99 Employee Only $21.98 Employee + Dependents All Premier Features, Plus: • 3 Bureau Credit Monitoring • 3 Bureau Report + Score • Monthly Credit Score Tracking • Norton Device Protection (Unlimited) • Bank Account Takeover Alerts • New Checking & Saving Application

Benefit Essential $7.49 Employee Only $14.98 Employee + Dependents

ALL PRODUCTS INCLUDE:

All Product Features, Plus: • 1 Bureau Credit Monitoring + • 1 Bureau Credit Application Alerts • 1 Bureau Report & Score (monthly) • Norton Device Protection (3EE/6FM)

Identity Theft Protection • LifeLock Identity Alert TM System • Financial protections • Lifestyle protection

Device Security • Norton Device Security • Online threat protection • Password manager • Child online safety tools (Parental Controls)

• Social protection • Protective lock & freeze dashboard

• Home Title Monitoring • Cyber Crime Coverage* • Norton AntiTrack • Private Email

Service & Support • Restoration &

Online Privacy • Secure VPN • Data broker scanning and removal assistance (Privacy Monitor) • Solicitation reduction, ad blocker

remediation services • Dedicated phone line and email support • $3 Million Protection Package

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Medical – Allied Benefits

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Medical 3 plan options administered by Allied Benefits on an Aetna network.

Enrollment in any Medical Plan provides: - Annual Preventative Care covered at 100% - BrightDime - Rightway - MeMD - Cancer Care Coordinator - KISx Card

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Plan Features

Aetna HSA $4000

Aetna HSA $2500

Aetna OAP

Medical

IN NETWORK Deductibles (Indiv / Family)

$4,000 / $8,000

$2,500 / $5,000

$1,500 / $3,000

100%

Preventive Care

Ded. then $40 Ded. then $60

Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins.

$30 $50

Primary Care Visit

Specialist Visit

Ded. Ded. Ded. Ded.

100% 100%

Diagnostic Exam

X-Rays

Ded. & 10% Coins. Ded. & 10% Coins.

Outpatient Procedure

Inpatient Visit

Ded. then $100 Ded. then $75

$150

Emergency Room

$75

Urgent Care

Ded. then $10.00 / $40.00 / $70.00

Pharmacy / RX (30 Day Supply) Pharmacy / RX (90 Day Supply)

$10.00 / $40.00 / $70.00

2.5x

$6,250 / $12,500

$5,000 / $10,000

$3,000 / $6,000

Out-of-Pocket Max (Indiv / Family)

OUT OF NETWORK Deductibles (Indiv / Family)

Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered

$5,000 / $10,000 Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 20% Coins. Ded. & 50% Coins.

$3,000 / $6,000

Not Covered

Preventive Care

Ded. & 50% Coins. Ded. & 50% Coins.

Primary Care Visit

Specialist Visit

Not Covered Not Covered

Diagnostic Exam

X-Rays

Ded. & 50% Coins. Ded. & 50% Coins.

Outpatient Procedure

Inpatient Visit

$150

Emergency Room

Ded. & 50% Coins.

Urgent Care

Not Covered

$10,000 / $20,000

$6,000 / $12,000

Out-of-Pocket Max (Indiv / Family)

Weekly $41.62 $197.47 $152.98 $259.48

Bi-Weekly

Weekly $64.28 $249.49 $197.73 $396.66

Bi-Weekly

Weekly $90.86 $300.68 $242.26 $465.54

Bi-Weekly

EMPLOYEE COST

$83.23 $394.95 $305.95 $518.95

$128.56 $498.97 $395.45 $793.33

$181.72 $601.35 $484.53 $931.08

Employee

Employee + Spouse

Employee + Child(ren)

Employee + Family

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Allied Member Portal

Managing your health benefits, made easier.

Simply log in at alliedbenefit.com to:

Manage your claims

•

Check your deductible status

•

Review your benefits, copays and coinsurance amounts

•

Once you are enrolled, you’ll have access to your own personalized member portal on: AlliedBenefit.com

• Get a digital copy of your insurance card

And much more…

•

ID Cards Mailed the week of: 12/26/2022 for New enrollments and changes to existing enrollments.

Contact Allied at 1-800-288-2078 Mon. – Thurs. 8:30m-8:00pm, Fri. 9:00am – 6:00pm, or Sat. 10:00am – 1:00pm EST

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Allied Mobile App

*Available starting January 1, 2024

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Rightway

Your guide to better health. Rightway makes sure you get the highest-quality and most complete care at the lowest cost. Our health guides match you with the doctor you need, make an appointment for you, provide upfront pricing, and even disputebills on your behalf.

Real humans helping real humans.

Think of us as a doctor in the family.

“ I needed surgery but had no idea where to start. Rightway made things so easy."

JACK QUINN On Finding a Mental Health Provider covered under my insurance! Rightway helped explain my benefits and gave me peace of mind." “ I never knew therapy was

Need care? We will… • + Find you the best doctor and make an appointment. • + Assess your symptoms and figure out next steps. • + Provide upfront pricing for medical visits and pharmacy needs. Unexpected bill? • Send it our way and we ’ ll explain the charges. • If something looks wrong, we ’ ll dispute it on your behalf. Not sure where to start? • Connect with your health guide to do a health assessment. • Get an overview of your benefits.

“ My health guide, Mallory, found me an in-network optometrist and made the appt. All I had to do was show up!"

LAURA SMITH On Scheduling an Ortho Surgeon Visit

JESS SMALL On Understanding Vision Benefits

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MeMD

A NEW Telehealth Program for you and your family! We are pleased to announce that you and your family now have access to MeMD – your new telehealth service. Telehealth allows you to reach a medical provider by phone, app or webcam when access to your regular doctor is not available.

STEP 1: SIGN IN TO MeMD Visit your MeMD website to sign up/activate your MeMD account Visit: www.memd.me/hbg Enter Member ID: first initial + last initial + last 6 of SSN (ab123456) STEP 2: REQUEST AN EXAM For non-emergency health issues, you can request an exam using your phone, tablet or computer – 24/7/365. STEP 3: SPEAK WITH A PROVIDER Your MeMD Provider will review your chart, ask questions, and recommend a treatment plan. Prescriptions can be sent to your

For acute non-emergency medical issues ❖ Colds, flu and fever, sore throat, cough, congestion ❖ Allergies, hives, skin infections ❖ Bites and stings ❖ Minor headaches, arthritic pains ❖ Medication refills (not controlled substances) ❖ Headaches, body aches ❖ Eye infections ❖ And more!

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BrightDime

BrightDime is a digital financial wellness solution designed to create real results and enhance financial well-being for everyone.

Integrated, User-Friendly Platform : BrightDime creates a holistic view of your financial picture by adding your financial accounts in one quick, secure step and then updates and organizes your data giving you a simplified way to see where you stand. Highly Personalized Coaching and Content: BrightDime provides personalized, real-time coaching via in-app chat and offers customized, relevant content based on your financial profile. Unbiased, Independent and Confidential: BrightDime does not sell anything. We are an unbiased, trusted partner whose only incentive is to enhance your financial well-being. Privacy is paramount: your information is never shared with your employer. Accessible, Secure, Modern Technology: Provides a user friendly, always available, secure and consistent experience across desktop, tablet and mobile devices.

BrightDime Can Help You With...

●

Student Loans

●

Coaching

●

Retirement

●

Debt Management

●

401(k)

● ●

Credit Management

Budgeting and Spending

● ●

HSA and FSA Goal Setting and Tracking

● ●

Saving for College

● ●

Education

Reviewing Financial Data

Home Buying

●

Investment

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CancerCARE+

THE SOLUTION A newly diagnosed active plan participant is

THE PROBLEM Cancer is astoundingly pervasive. Approximately one in two men and one in three women will face a cancer diagnosis during their lifetime. As standards of care change rapidly and disparity in provider quality pervades, sadly we know the following to be true as a result: ✓ Up to 25% of cancers are misdiagnosed or mis- staged ✓ Incorrect diagnoses lead not only to increased expenses for the employer, but also to unnecessary treatment ✓ for the employee ✓ Expensive care does not always lead to the best outcome ✓ Most utilization management occurs after the treatment plan has been determined

immediately paired via TPA with a CancerCARE+ care coordinator to ensure their diagnosis is confirmed and properly staged. The coordinator will: ✓ Coordinate a second opinion with renowned national centers of excellence ✓ Promote the utilization of clinical pathways prior to treatment planning ✓ Ensure the most evidence-based and cost-effective treatment protocol is implemented quickly ✓ Help the patient navigate all aspects of care ✓ Connect the patient to the Cancer Centers of Excellence Network for complex treatment needs ✓ Facilitate access to oncology experts who work to improve care and reduce costs

To register for the CancerCARE program, go online to cancercareprogram.com/activate-my-benefits , and complete the registration form. Once submitted a CancerCARE coordinator will reach out. You can also call (877) 640-9610 to speak to someone directly.

Let’s keep moving, New York. Let’s keep moving.

KISx Card

To contact KISx call the nurse navigator line (877)-438-5479 to find out if your procedure is eligible and how the program works. The nurse navigator will assist in finding the right facility in your area.

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Ancillary – Lincoln Financial Group

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Dental

Lincoln - DPPO Base

Lincoln - DPPO Buy Up

IN NETWORK Annual Deductible (Ind. / Family)

$50 / $150

Preventive Care

No Charge

Basic Procedures (Extractions, fillings, etc.) Major Procedures (Crowns, dentures, etc.)

50%

80%

50%

Child Orthodontia

Not Covered

Calendar Year Maximum Benefit

$1,500

OUT OF NETWORK Annual Deductible (Ind. / Family)

$50 / $150

Preventive Care

No Charge

Basic Procedures (Extractions, fillings, etc.) Major Procedures (Crowns, dentures, etc.)

50%

80%

50%

ID Cards : Lincoln will ONLY issue electronic ID cards through the app or online portal

Child Orthodontia

Not Covered

Calendar Year Maximum Benefit

$1,500

EMPLOYEE COST

Weekly

Bi-Weekly

Weekly

Bi-Weekly

$2.26

$3.07

Employee

$4.52

$6.13

$6.30

$8.54

Employee + Spouse

$12.61

$17.08

$6.33

$8.58

Employee + Child(ren)

$12.67

$17.17

$10.43

$14.13

Employee + Family

$20.87

$28.26

Let’s keep moving, New York. Let’s keep moving.

Vision

Lincoln – Vision

IN NETWORK BENEFITS

Vision Exam

$10 Copay

Lenses

Single Bifocal Trifocal

$25 Copay $25 Copay $25 Copay $90 Copay

Progressive

Frames

$130 Allowance $125 Allowance

Elective Contact Lenses Medically Necessary Contact Lenses

$25 Copay

Frequency (Months) Exam

Every 12 Months Every 12 Months Every 24 Months

Lenses Frames

OUT OF NETWORK

Vision Exam

$40 Allowance

Lenses

Single Bifocal Trifocal

$40 Allowance $60 Allowance $80 Allowance $45 Allowance $125 Allowance

ID Cards are not required: Go to www.lvc.lfg.com Reference Network: Spectera

Frames

Elective Contact Lenses Medically Necessary Contact Lenses

$210 Allowance

EMPLOYEE COST Weekly

Lincoln will ONLY issue electronic ID cards

Bi-Weekly

$0.90 $1.70 $2.00 $2.82

Employee

$1.80 $3.41 $4.00 $5.63

Employee + Spouse Employee + Child(ren) Employee + Family

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Employee Assistance Program

Online Resources

In-Person Guidance

Unlimited 24/7 Assistance

EmployeeConnect offers a wide range of information and resources you can access on your own. Expert advice and support tools are just a click away when you visit GuidanceResources.com or download the GuidanceNowSM mobile app. You’ll find: • Articles and tutorials • Videos

Some matters are best resolved by meeting with a professional in person. With EmployeeConnect , you and your family get: • In-person help for short-term issues (up to five sessions with a counselor per person, per issue, per year)

You and your family can access the following services anytime — online, on the mobile app, or with a toll-free call: • Information and referrals on family matters, such as child and elder care, pet care, vacation planning, moving, car buying, college

planning and more EmployeeConnect

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Life, AD&D & Disability

• Employer paid Life and Accidental Death (AD&D) is provided at 1x Salary, up to $50,000.

• Employer paid Long Term Disability is provided up to 60% of earnings to a maximum of $7,500 (monthly) after 180-day elimination period through SS retirement age

• Voluntary Short-Term Disability provides employees option to purchase additional disability benefits at 60% of weekly earnings to a maximum of $1,500 (weekly) with a 7-day elimination period for up to 25 weeks.

▪ Paid by the employee with a post tax deduction

• Voluntary Life Insurance provides employees the option to purchase additional life insurance to a $300,000 maximum benefit

▪ Paid by the employee with a post tax deduction

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Accident

Accident Insurance – pays you cash benefits for expenses resulting from covered non-work-related injuries • Hospitalization, physical therapy, intensive care, transportation, and lodging are some out-of-pocket expenses covered • Paid by the employee with a post tax deduction

Receive cash payments for covered, unexpected situations, e.g. travel to hospital, ER admittance, overnight stay, x-rays

Use cash for expenses as needed, deductibles, rent, utilities, or any other expenses.

Enroll in Accident Protection

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Pre-Tax Benefits – FSA, HSA & 401k

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FSA • Commuter Plans - used to pay for public transit — including train, subway, bus, parking, etc., as part of your daily commute to and from work. ➢ Transit & Parking pre-tax limit of $315/month each (totaling $630/month) ➢ Enroll through Ceridian

➢ Changes made before the 25 th of the month, will take effect the first of the following month. ➢ Changes made after the 25 th of the month, it will take effect the first of the month after next.

• Healthcare FSA - eligible medical, dental, and vision expenses both covered and not covered by your insurance plan

➢ Contribute up to $3,200/year into your healthcare FSA (can rollover up to $640 each year) ➢ Use-it or Lose-it – and unspent funds above the $640 rollover limit will be forfeited ➢ Enroll through Ceridian once / year in line with benefit eligibility

• Dependent Care FSA – for eligible Childcare and/or Adult care expenses ➢ Contribute up to $5,000/year ➢ Use-it or Lose-it – and unspent funds above the $640 rollover limit will be forfeited ➢ Enroll through Ceridian once / year in line with benefit eligibility

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HSA For participants enrolled in the Aetna HSA 4000 and Aetna HSA 2500

➢ Individual - $4,150 ➢ Family - $8,300

Contact benefits@spearcenter.com to en roll or make changes to current contributions

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401k

• Deferral Options – Pre-Tax and Roth 401k

• 2024 contribution levels - $23,000 maximum o Age 50 and over, maximum $7,500 additional

• Participation : age 21 & 90 days of employment

• Safe Harbor Match - entry Jan 1 st or July 1 st following 1 year of employment

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Lifestyle Benefits

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Completing Enrollment

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Benefit Resource Center The Spear Intranet has a dedicated section for all your Employee Benefits information & plan summaries.

A web based, decision support tool to help you understand your benefit options and make decisions based on your needs

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How do I make elections?

Elections are made in Ceridian

1. Navigate to the Ceridian Home Page 2. Select Benefits 3. The 2024 Open Enrollment will be listed on the Overview tab ❖ Be sure to complete your enrollment by December 10 th to have coverage in place on Jan 1 st

New image

HSA elections will be made directly with HSABank

❖ Elections remain in effect until the next Open Enrollment period, unless you experience a Qualified Life Event

401k updates will be made directly with Fidelity

*Any questions, please reach out to benefits@spearcenter.com

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What if I don’t need benefits?

• You can choose to waive coverage now

• Your elections will remain in effect until the next Open Enrollment period

• Updates can be made with “Qualified Life Event” (QLE)

Have a baby

Lose Coverage

Get Married

Turn 26

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Next Steps 1. Review plan summaries on the Spear Intranet, HR -> Benefits

2. Complete an enrollment in Ceridian Benefits to enroll or waive coverage for the 2024 plan year by November 27 th!

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benefits@spearcenter.com

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