ASCD + ISTE 2025 Benefits Guide

Your Benefits

Effective January - December 2025

Making benefit selections Getting started

Eligibility

Enrolling in coverage

Your benefit plans are in effect January1 – December 31 each year. In general, there are three times you can make benefit selections:

Foryou You are eligible for benefits as a full-time employee working at least 30hours per week. Covering your family You may also cover your eligible dependents when you elect coverage for yourself. Your Spouse or Partner You may cover your legal spouse or domestic partner.

When you're first eligible Your benefits are effective the first of the month following your date of hire; this is your effective date . Be sure to submit your selections within your first 30 days of employment. Your benefit selections will be in effect through December 31. At Open Enrollment Open Enrollment is your one chance each year to review your coverage options and make changes to your benefits. Your choices are in effect from January – December of the following year unless you have a qualifying life event. Ifyou have aqualifyinglife event Qualifying life events allow you to change your coverage during the year outside of Open Enrollment. These include: marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare, Medicaid, or a spouse or parent's coverage.

Your children Dependent children are eligible:

Medical, dental and vision : until age 26 regardless of student or marital status

Enroll now

You must request a change to your benefits within 30 days of your life event (60 days for changes involving Medicaid eligibility).

Helpful terms & resources Getting started

We've removed as much jargon as possible. But you’ll probably still encounter some terms as you enroll in and use your benefits, and we want you to be prepared!

Balance billing When you use an out-of-network medical or dental provider, they may bill you the difference between what they charge and the amount your insurance pays. Medical : balance billing is in addition to – and does not count towards – your out-of-pocket maximum. Coinsurance After you ’ ve met your deductible, you ’ re sometimes responsible for a percentage of the cost of the medical care, dental care, or prescription medication you received. This percentage is coinsurance.

Primary care physician A primary care physician ( PCP )is your main medical doctor – usually a general practitioner (GP), family doctor, internist, OB/ GYN, or pediatrician (for children). Referral/pre-authorization Some specialty medical providers and services require a referral from a primary doctor. These may include - but are not limited to - cardiology, psychiatry, orthopedic surgeons, rheumatology, surgery, and imaging (CTor MRI). Have questions? Your advocate is here to help you with all things benefits. See their contact information on the next page. Annual Notices We’re required to tell you about certain rights and responsibilities you have as an employeeofASCD+ISTE. You can request a paper copy at no charge from: CaraWynn Manager, Compensation & Benefits 1-703-575-5614 x5614 cara.wynn@ascd.org

Deductible The amount you ’ re responsible for paying in care expenses before the medical or dental plan starts paying deductible-eligible expenses. In-network In-network care is always your lowest-cost option. Networks are groups of medical, dental, and vision providers, pharmacies, and facilities that agree to discount the cost of their care or service. Out-of-pocket maximum The most you ’ ll payfor covered in- network medical care in a year. This includes your deductible, any coinsurance or copays, and prescription drugs. The out-of-pocket maximumdoes not include your premium(the amount you payfor coverage), non- covered expenses, or out-of- network care that ’ s been balance billed.

Copay A flat fee you pay each time you receive a copay-eligible medical,

dental, or vision service or prescription medication.

Contact information Getting started

Regina Matatov rmatatov@briobenefits.com

Your Brio Benefits consultant and employee advocate:

See ID Card www.cigna.com

Cigna Group: 3335262

Medical insurance

Health Savings Account (HSA) Flexible Spending Accounts (FSAs) and Kaiser HSA

See HSA Debit Card www.mycigna.com

Cigna - HSA Bank

1-800-492-0669 www.benefitslogin.wexhealth.com

WEX

1-888-726-3171 www.mycigna.com

Telehealth

Cigna

Employee Assistance Program (EAP)

1-800-316-2796 www.mutualofomaha.com/eap

Mutual of Omaha

Cigna Group: 3335262

1-800-244-6224 www.cigna.com

Dental insurance

Cigna Group: 3335262

1-800-244-6224 www.cigna.com

Vision insurance

1-800-769-7159 www.mutualofomaha.com/my-benefits

Life and AD&D insurance

Mutual of Omaha

1-800-769-7159 www.mutualofomaha.com/my-benefits

Mutual of Omaha

Disability insurance

Additional benefit options (Accident and Critical Illness)

1-800-769-7159 www.mutualofomaha.com/my-benefits

Mutual of Omaha

Additional benefit options (PetInsurance)

1-800-891-2565 www.petbenefits.com/land/ascd

Pet Benefit Solutions

Additional benefit options (LegalPlan)

1-800-654-7757 www.legalshield.com

Legal Shield

Medical insurance

Select from three medical optionsthrough Cigna.

All plans cover in-network preventive care at 100%, prescription drugs, and include an annual limit on your expenses. The differences are: what you payfor the plan , what you pay when you getcare , how out-of-network care is covered, and your annual maximumcost for care (out-of-pocket maximum).

HSA

HMO

PPO

HSA/HRA Contribution

$500/$1,000

$2,000/$4,000

$2,000/$4,000 $2,000 Individual

Annual Deductible

$1,650 Individual

$2,500 Individual

$3,300 Family

$5,000 Family

$4,000 Family

Out-of-pocket maximum

$3,300 Individual $8,000 Family Plan pays 100%

$6,350 Individual $12,700 Family

$3,000 Individual $7,500 Family

Coinsurance

Plan pays 100%

Preventive care Primary care visit

100% covered

Deductible Deductible Deductible Deductible Deductible Deductible

$15copay $30copay $15copay $30copay $100copay

Specialist visit

Virtual visit

Urgent care

Emergency room

Inpatient hospital care

$250/admission

Prescription drugs

(30 days | 90 days)

(30 days | 90 days) ($50/100 deductible) $10 copay|$20copay

Generic

Ded then $10copay|$20 copay Ded then $25copay|$50 copay Ded then $45copay|$90 copay

$10 copay | $20 copay

Preferred brand

$25 copay | $50 copay

$25 copay|$50copay

Non-preferred brand

$45 copay | $90 copay

$45 copay|$90copay

Balance billing applies

Out-of-network care

$3,300/$6,600

N/A

$4,000 / $8,000

Annual deductible

Plan pays 80%

N/A

Plan pays 70%

Coinsurance

$3,300/$8,000

N/A

$4,000 / $8,000

Out-of-pocket maximum

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.

Medical insurance

Select from twomedical optionsthrough Kaiser.

All plans cover in-network preventive care at 100%, prescription drugs, and include an annual limit on your expenses.

Kaiser is available for employees in Mid-Atlantic states and Northwest states

Kaiser is an HMO medical plan option with no out-of-network coverage

Kaiser HSA

Kaiser HMO

HSA/HRA Contribution

$500/$1,000

N/A

Annual Deductible

$1,650 Individual

$500 Individual $1,000 Family $2,500 Individual $5,000 Family Plan pays 80%

$3,300 Family

Out-of-pocket maximum

$3,300 Individual $6,600 Family Plan pays 90%

Coinsurance

Preventive care Primary care visit

100% covered

Deductible then 10% coinsurance $20 copay Deductible then 10% coinsurance $30 copay Deductible then 10% coinsurance $30 copay Deductible then 10% coinsurance $200 copay

Specialist visit

Urgent care

Emergency room

Inpatient hospital care

Deductible then 10% coinsurance Deductible then 20% coinsurance

Prescription drugs Generic

Deductible then $10copay retail Deductible then $30 copay retail Deductible then $60 copay retail

$10 copay retail $30 copay retail $60 copay retail

Preferred brand

Non-preferred brand

No Coverage

Out-of-network care

Health Savings Account (HSA)

An HSA is paired with a High Deductible Health Plan (HDHP).

Save pre-tax money for health care expenses – or retirement!

Plandetails

Contributions

HSA funds

You may contribute tax-free funds to save for current and future health expenses - and retirement!

Using your money Spend your HSA balance on health care expenses (medical, prescription, dental, and vision) for you and your tax dependents, OR Let your balance grow for retirement. The money in your HSA is always yours and available for qualified health care expenses - even if you change jobs or health plans. Before retirement, any funds used for non-healthcare expenses are subject to tax penalties. Keep your receipts! Growing yourmoney +tax savings HSA dollars go in tax-free, grow tax-free, and come out tax-free when you use them for qualified health expenses. You may also be able to invest part of your balance once it meets a certain level.

If you cover yourself only

If you cover dependents

2025 IRS maximum contribution

$4,300

$8,550

55 or older? You can contribute an extra $1,000 per year in catch-up contributions.

Eligibility

In order to make – or receive – contributions to a Health Savings Account (HSA), you must: be enrolled in a qualified High Deductible Health Plan(HDHP) (Cigna HSA or Kaiser HSA), not be covered under any other non-HDHP health coverage, including a full health care FSA through your spouse, not be anyone else’s tax dependent, and not be eligible for or enrolled in Medicare A or B, Tricare, or VA benefits.

In retirement At age 65, you can withdraw the funds in your HSA for any use (not just health care!) without tax penalties.

Flexible Spending Accounts (FSAs)

Pay for qualifying expenses with tax-free money using your Flexible Spending Account through WEX. Health and dependent care expenses can add up. Paying with tax-free funds can help. Enroll in one or more flexible spending accounts (FSAs) depending on your needs.

Health care expenses

Limited purpose FSA

Health care FSA

Pay for eligible medical, prescription, dental, and vision expenses.

Pay for eligible dental and vision expenses when you're also contributing to an HSA.

2025 maximum contribution

$3,300

2025 maximum contribution

$3,300

Dependent care FSA

Pay for eligible child or disabled adult care while you work or attend school.

Only the amount you’ve actually contributed is available for use at any one time. Estimate carefully! Unused funds will be forfeited at the end of the year per IRS regulations. Grace period to submit former year’s claims through March 31, 2026

2025 maximum contribution

$5,000

Married filing separately? You can contribute up to $2,500 per person.

FSA Vendor for 2025: WEX

Dental insurance

Select from two dental options through Cigna. *Orthodontia coverage available for 2025 on high plan! Both plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Cigna will pay each year for dental care ( annual maximum benefit )

Lowplan etails

High plan lan details

In-network care

Network name:

PPO

$50 per person $150 family max

Annual Deductible ( DED)

Year 1: $1,000, Year 2: $1,200, Year 3: $1,400, Year 4: $1,600

Year 1: $2,250, Year 2: $2,450, Year 3: $2,650, Year 4: $2,850

Annual maximum benefit

Preventive care

100% covered

Basiccare

DED then you pay 20%

DED then you pay 10%/20%

Majorcare

DED then you pay 50%

DED then you pay 40%/50%

Orthodontia ( adult & child )

No Coverage

50% Coverage to Lifetime Max $2,000

Stay in-network to avoid balance billing (the difference between what an out- of-network provider charges and the amount your insurance pays).

The information shown in this presentation is an illustrative summaryonly. The underlying plan contract or documentgovernsall aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.

Vision insurance

Your vision coverage is through Cigna.

You'll get an annual exam with coverage for lenses and frames, or contacts in lieu of glasses.

Vision details

In-network care

Network name:

PPO

Annual eye exam (every 12 months)

$10 copay

Materials copay (lenses & frames)

$10 copay

Lenses (every 12 months)

Included in materials copay

Frames (every 24 months)

$150 allowance

Contact lenses (every 12 months)

Elective: $150 allowance Medically necessary: 100% covered

Your vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.

The information shown in this presentation is an illustrative summaryonly. The underlying plan contract or documentgovernsall aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.

Life and AD&D insurance

FinancialpeaceofmindthroughMutual of Omaha. Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance offers additional support if you pass away or are seriously injured due to an accident.

Basic life and AD&D insurance

Basic Life

Basic AD&D

ASCD +ISTE provides life and AD&D insurance at no cost to you.

What's AD&D? Accidental death and dismemberment (AD&D) insurance may pay:

Basic life

BasicAD&D

2 x your annual salary up to $400,000

your beneficiary if you pass away due to an accident you a partial benefit if you lose specified bodily functions (sight, limbs, etc.)

ASCD +ISTE provides

Make sure to designate a beneficiary for your life insurance coverage to ensure your family is cared for according to your wishes.

Additional life and AD&D insurance

You may also purchase additional coverage for you, your spouse, and your eligible child(ren).

Medical question limit When you’re first eligible (a new hire), you can purchase additional life insurance up to this limit without any medical questions required. Medical questions and approval will be required for all future increase and purchase requests.

Foryou

For your spouse For your child(ren)

Coverage increments

$10,000

$5,000

$1,000

Your (employee) coverage amount to $250,000

Coverage maximum

5x your annual salary to $500,000

$10,000 (under 6 months old $1,000)

Medical question limit

$100,000

$30,000

Does not apply

The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarizedherein differs fromthe underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases.

Disability insurance

Protect your paycheck with disability insurance through Mutual of Omaha.

Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.

Short-term disability Short-term disability coverage can replace part of your paycheck if you’re unable to work for a shorter period of time. ASCD +ISTE provides this coverage at no cost to you.

Pre-existing condition limitations If you make a disability claim within the first year of being covered, check your plan details to see how pre-existing condition limitations might impact your coverage.

Benefits begin

After 14 days of inability to work

Coverage amount

70% of your income up to $1,500 per week

Payments may continue

Up to 11 weeks if you’re unable to return to work

Long-term disability Long-term disability coverage can provide lasting income protection if you remain unable to work. ASCD +ISTE provides this coverage at no cost to you.

After 90 days of inability to work (once short-term disability ends)

Benefits begin

Coverage amount

60% of your income up to $10,000 per month

Later of your Social Security Normal Retirement Age, or the Age at Disability schedule

Payments maycontinue

Mutual of Omaha EAP

Additional benefit options

Additional benefit plans are a great way to customize your benefits package.

Accident coverage

Total Pet Summary

Protect your furry best friend with Pet Benefit Solutions Total Pet Plan. You'll receive a discount for all in network veterinary services.

Accident coverage through Mutual of Omaha pays you a cash benefit tohelp withyourexpenses – your deductible or copays, transportation, groceries and more – ifyouora coveredfamilymemberisinjured due toanaccident. Themoneyisyourstouseasyou choose.

Critical illness

Wishbone Pet Insurance

Protect your furry best friend with Pet Benefit Solutions Pet Insurance. You'll get access to licensed veterinarians for routine care, emergencies, lab tests and wellness visits. Rates vary.

Critical illness coverage through Mutual of Omahapays you a cash benefit to help with your expenses – your deductible or copays,transportation, groceriesand more – ifyouora covered family member is diagnosed with a covered critical illness. The money is yours to use as you choose.

Hospital Indemnity

Legal services

See plan details

Critical illness coverage through Unum pays you a cash benefit to help with your expenses – your deductible or copays, transportation, groceries and more – if youor a covered family member is diagnosed with a covered critical illness. The money is yours to use as you choose.

Pre-paid legal care through Legal Shield can provide you with legal advice and consultation about various topics at no added cost. Available topics include wills andestateplanning,moneyandfinances, drivingor traffic matters and more.

WellHub New Wellness benefit offered by ASCD+ISTE for 2025!

https://www.youtube.com/watch?v=PO8AhdhW_co

Alex! Your Decision Support Tool

myalex.com/ascdiste

2025 benefits

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