VPP Benefit Guide 2026-2027

2026 -2027

Veterinary Practice Partners Employee Benefits Guide

OPEN ENROLLMENT | May 7 - May 27

Benefits effective July 1, 2026 - June 30, 2027

THINGS TO KNOW OPEN ENROLLMENT DETAILS BENEFIT ELIGIBILITY BENEFIT ENROLLMENT UNDERSTAND YOUR PLANS WHERE TO GO FOR CARE MEDICAL COVERAGE SPENDING & SAVINGS ACCOUNTS HDHPS: MAXIMIZE YOUR SAVINGS HEALTH SAVINGS ACCOUNT (HSA) LIMITED PURPOSE FSA HEALTHCARE FSA

03 04 05 06 07 08 09 11 14 15 16 17 18 19 20 24 31 32 33 34 37 38 39 45 46 47 48 49

TABLE OF CONTENTS Explore more about your benefits on our Employee Benefits Site: benefits.vetpartners.com

DEPENDENT CARE FSA COMMUTER BENEFITS AETNA MEDICAL KIT

MERITAIN HEALTH MEDICAL KIT PRINCIPAL MEMBER ACCOUNT DENTAL COVERAGE VISION COVERAGE DISABILITY BENEFITS LIFE AND AD&D COVERAGE

UNDERSTAND YOUR LEAVE BENEFITS SUPPLEMENTAL HEALTH BENEFITS 401(K) RETIREMENT EAP & EMPLOYEE DISCOUNTS BENEFIT SUPPORT & RESOURCES MEDICAL GLOSSARY DISCLAIMERS & COMPLIANCE NOTICES

THINGS TO KNOW FOR 2026-2027

VPP considers our employee benefits program to be one of our most important investments. Because we recognize the value our employees bring to our company, we are committed to providing you with a complete benefits program as part of your total compensation. This guide helps you make informed decisions about your benefits. Access additional benefits info, plan documents, and updates from your HR team on our benefits site: benefits.vetpartners.com

Continued Care VPP is committed to providing an affordable and robust benefits package. As such, there are no premium rate changes for Medical, Dental, and Vision coverage. We will continue to offer the same great Medical plan options with Aetna and Meritain Health. And our Dental & Vision coverages will remain with Principal. New and Improved Three New Spending Accounts Spending Account options will be introduced for the 2026-2027 plan year, aimed at increasing affordability for eligible healthcare and childcare expenses. Dependent Care FSA Limited Purpose FSA (to pair with current HSA options) Healthcare FSA Dental: Low Plan Coverage Upgrades Dental Low Plan now has greater Out-Of-Network coverage, without any changes to your premium rates. These upgrades include lower OON Deductible & 100% coinsurance for preventive care. Disability Plans New Voluntary Long-Term Disability (LTD) plan is an added option this year. This new benefit is a great complement to the improved Short-Term Disability (STD) plan, which is employer paid for full-time employees. Move to Aetna Supplemental Health These voluntary benefits will now be with Aetna. This move enhances your benefits package. It includes lower prices and richer coverage on accident and critical illness. Additionally, these plans will now have automatic integration with VPP’s medical coverages, which includes alerts for eligible claims and 90-second claim filing.

OPEN ENROLLMENT 2026 DETAILS

When to Enroll

Open Enrollment Begins: May 7 th Ends: May 27 th

How to Enroll

Questions? Call 1 ‑ 844 ‑ 880 ‑ 6774 Mon–Fri, 9:30a –6p EST

AGM Benefits Counselor Benefit Enrollment Support Schedule your appointment Visit a.flexbooker.com/reserve/vpp.

Scan the QR Code to book your appointment

Once scheduled, you’ll receive a confirmation by email and text, along with reminders. Please have dependent information available (Social Security numbers and dates of birth).

Self-Service Enrollment Use your paycom portal Review and elect your coverage via your Paycom portal

BENEFIT ELIGIBILITY

WHO IS ELIGIBLE?

Full-time active employees working an average of 30 hours per week are eligible for VPP benefits. Benefits will be effective the 1 of the month following 30 days after your full-time hire date . If you do not enroll during this time period, you will not be eligible for benefits until the next Open Enrollment, unless you have a Qualifying Life Event Change. st If you are an employee who is hired into an employment category that may work less than an average of 30 hours per week, VPP will review your average hours following an 11-month lookback policy. Employees changing from part-time to full-time status must work 30 average hours per week during a 12-month measurement period. Benefits will be effective from the 1st of the month following the date they are changed to full-time. Newly full-time employees will have 30 days to enroll from the date of the status change. Employees who average less than 30 hours per week during the measurement periods will generally not be eligible to participate.

FULL-TIME (working 30+ hours per week)

PART-TIME (working less than 30 hours per week)

CURRENT OFFERINGS

TEMP OR SEASONAL

Medical, Dental & Vision Plans

Spending Accounts - NEW OPTIONS!

Employer Paid Short-Term Disability (Upgraded 5/1)

Long-Term Disability - NEW OPTIONS

ENHANCED Supplemental Benefits

Commuter FSA (Parking & Transit)

EAP - Free Mental Health Support

401(k) Plan with Match (see retirement page)

Employee Discount Center (Benefit Hub) WHO YOU CAN COVER: Spouse: A person to whom you are legally married. Children: Your or your spouse's child who is under age 26, including a natural child, stepchild, legally adopted child, child placed for adoption, or child for whom you or your spouse are the legal guardian. Over Age Unmarried Children: Age 26 or older who are disabled and dependent on you. VPP may require verification of dependent status for medical, dental, and vision coverage for spouses and dependents under the plans.

BENEFIT ENROLLMENT

When Can You Enroll?

New Hire/Newly Eligible for Benefits: Benefits start on the first of the month following 30 days from the full-time hire date. Open Enrollment: Annual event to enroll or change benefit elections. You must meet the Open Enrollment deadline for your benefits to be effective on July 1. You will not be able to change elections after the Open Enrollment deadline until next year’s Open Enrollment unless you have a Qualifying Life Event. Qualifying Life Event: If you experience a Qualifying Life Event (QLE), it triggers a Special Enrollment Period (SEP), where you may be able to add, change, or drop your benefits outside of Open Enrollment. You have 30 days from the event to notify Human Resources and submit your QLE in Paycom with supporting documentation. Qualifying events include events like: Marriage, annulment, legal separation, or divorce Birth, adoption, or placement for adoption of an eligible child Death of spouse or child

Change in dependent’s eligibility status (e.g., turns 26) Change in residence if change affects benefit options Medical child support order Entitlement to Medicare or Medicaid during the year Reduction in hours Enrollment in Marketplace/Exchange Loss of coverage under a state insurance program

Your benefit changes will be effective as of the QLE date. For example, if you experience a birth, your benefits will be effective on the date of birth.

OPTIONS FOR PROCESSING YOUR QLE:

1. Changes Via AGM | An Enrollment Support Service Call AGM at 1-844-880-6774 or book an appointment, a.flexbooker.com/reserve/vpp. 2. Changes Via Paycom Log into Paycom > Navigate to Benefits within the Employee Self-Service portal > Select Qualifying Events from the Benefits menu > Add Qualifying Event to initiate the life event submission process.

ARE YOU READY TO ENROLL?

Scan me to get to the Paycom Portal to enroll in benefits!

To enroll in benefits, log in to the Employee Self-Service portal in Paycom using your individual Username and Password and the last 4 digits of your Social Security Number. From the home screen, you will have a main menu on your dashboard and one of the options will be “Benefits.” Please note that this guide applies to VPP’s benefit plans only. If your veterinary hospital sponsors its own employee benefit plans, contact your hospital directly for additional information.

You can make changes in Paycom between MAY 7 to MAY 27, 2026 MAKE YOUR BENEFIT ELECTIONS VIA THE PAYCOM PORTAL

Understand Your Plans

HOW MEDICAL COVERAGE WORKS

VPP medical coverage provides you and your family the protection you need for everyday health issues or unexpected medical expenses. When you enroll in medical coverage, you pay a portion of your health care costs when you receive care and the plan pays a portion, as detailed below. Preventive care, such as physical exams and flu shots, is fully covered by in-network providers. The plans have different:

Click here to Learn more!

Flimp Video Library one-minute explanations of key terms and benefit overviews

Key Terms for Coverage

Annual Deductible: A deductible is the amount you pay for out-of-pocket costs for your covered health care before your plan begins to pay.

Copay: Depending on which plan you choose, you may have care available for a simple copay. A copay is the flat amount you can expect to pay for a specific service.

Coinsurance: Once you’ve met the plan’s annual deductible, you may be responsible for a percentage of your medical expenses, which is called coinsurance.

Out-of-Pocket Maximum: Once your deductible and coinsurance add up to the plan’s annual out-of-pocket maximum, the plan will pay 100% of all eligible covered services for the rest of the year.

In-Network: A provider that has contracted to be a part of your Insurance Network. Seeing an in-network provider for medical services can significantly reduce your medical expenses.

Out-of-Network: A provider that has no contract with your health plan. There are no discounted rates for services and no contracted limits to the amount they can charge you. The general rule is that you will pay more for services if you use out-of-network providers.

WHERE SHOULD I GO FOR CARE? Managing healthcare costs relies on choosing the right treatment location. Emergency room visits can exceed $1,900, making them costly for non-emergency situations. To assist in making informed decisions when unwell or injured, consider these guidelines for where to seek care next time.

Primary Care Physician

Telehealth

When to use Your primary doctor knows you and your medical history. They can provide routine care and manage your medications, advise you on when to seek a specialist.

When to use When you need care for minor illnesses and ailments but would prefer not to leave home.

Care Available for

Care Available for Routine Care Immunizations

Cold & flu symptoms Urinary tract infection Sinus problems Allergies Bronchitis

Manage Overall Health Prescription Management

Costs and time considerations Requires a copay and/or coinsurance. Appointment is needed. Wait times vary, typically available during standard business hours.

Costs and time considerations Care is usually immediate. Some states restrict prescriptions through telemedicine.

Urgent Care

Emergency Department

When to use For non-life-threatening, "after-hours" care for minor injuries or illnesses.

When to use Used for life-threatening conditions, severe trauma, or when you cannot wait for care.

Care Available for Minor Injuries Sprains or Strains Minor Broken Bones Minor Infections Small cuts or burns

Care Available for Heavy bleeding Chest pain Major burns

Mild Illnesses

Spine or Neck Injuries High Fever Difficulty Breathing

Cold & flu symptoms Allergic reactions Earaches Low-grade fevers

Costs and time considerations Often it requires a much higher copay and/or coinsurance. Open 24/7 but waiting periods may be longer as patients with life-threatening emergencies will be treated first.

Costs and time considerations Requires a higher copay and/or coinsurance. No appointment needed. Open outside regular business hours and weekends.

Do Your Homework

What may seem like an urgent care center could be a standalone ER. These newer facilities come with a higher price tag, so ask for clarification if the word emergency appears in the facilities name.

To stay in compliance with federal regulations, VPP offers medical plans through two different carriers: Aetna and Meritain. Both carriers will offer the same great benefits including deductibles, coinsurance, and out-of-pocket limits. Please note: each carrier has their own pharmacy coverage as well. Please see the below chart for the details on the RX & Prescription Benefit Manager (PBM) for each carrier. Medical Coverage

How To Confirm Your Carrier

Refer to AGM Enrollment Support. View your Paycom Benefits account. Check your health insurance card.

HDHP Core Plan (Bronze)

Choice Plan (Silver)

Choice Plus Plan (Gold)

In-Network Coverage

VPP HSA Contribution

$1,100 (funded bi-weekly)

N/A

Aetna Open Access Plans Meritain Health Broad Medical Networks

Network

Plan Year Deductible (Individual / Family)

$3,500 / $7,000

$5,000 / $10,000

$2,000 / $4,000

Deductible

Embedded

Out-of-Pocket Max (Individual / Family) Out-of-Pocket Preventive Care Primary Care Visit

$6,550 / $13,100

$7,900 / $15,800

$7,150 / $14,300

Embedded

100% covered

$40 after deductible $60 after deductible $40 after deductible 10% after deductible 10% after deductible 10% after deductible $75 after deductible $200 after deductible $200 after deductible

$50 $75 $50

$35 $60 $35

Specialist Visit

Virtual Visit

Outpatient Procedure

30% after deductible 30% after deductible 30% after deductible

10% after deductible 10% after deductible 10% after deductible

Inpatient Visit

Lab Tests / Diagnostics*

Urgent Care

$75

Emergency Room

30% after deductible

10% after deductible

Imaging

$200

Rx Retail (31 days) Rx Mail Order (90 days)

$10 / $30 / $50 after deductible $25 / $75 / $125 after deductible

$20 / $40 / $60 $50 / $100 / $150

$15 / $35 / $50 $38 / $88 / $125

Out-of-Network Coverage Plan Year Deductible (Individual / Family)

$6,000 / $12,000

$10,000 / $20,000

$5,000 / $10,000

Coinsurance

50% after deductible

Out-of-Pocket Max (Individual / Family)

$10,000 / $20,000

$15,000 / $30,000

$10,000 / $20,000

*The above plan summaries are for illustrative purposes only. Always check your Aetna and Meritain Health benefit summaries and certificates of coverage for final detailed plan information.

Medical Contributions

HDHP CORE PLAN (BRONZE)

HDHP Core Plan

Pre-Tax Per Pay Period

Employee

$64.19

Employee + Spouse

$385.06

Employee + Child(ren)

$257.82

Family

$540.54

CHOICE PLAN (SILVER)

Pre-Tax Per Pay Period

Choice Plan

Employee

$90.68

Employee + Spouse

$425.75

Employee + Child(ren)

$292.34

Family

$588.79

CHOICE PLUS PLAN (GOLD)

Choice Plus Plan

Pre-Tax Per Pay Period

Employee

$196.86

Employee + Spouse

$680.75

Employee + Child(ren)

$488.08

Family

$916.19

Spending & Savings Accounts

Spending and Savings Accounts

VPP offers five pre-tax accounts, which allow you to save on your everyday expenses.

Please Note

Dependent Care FSA Health Savings Account HSA Limited Purpose FSA Healthcare FSA Commuter

These accounts do not enroll automatically. When electing your benefits, be sure to select the spending or savings account of your choice and elect the contribution amount.

Electing these pre-tax spending and savings accounts can save you money on your out-of-pocket costs.

For example, if 30% of your paycheck goes to taxes, you could be saving 30% on healthcare, dependent care and commuter expenses.

Spending & Savings Accounts Summary

DCFSA

HSA

LPFSA

FSA

Commuter

Medical, Dental, Vision & Prescription expenses

Care for child, elder, or disabled dependent

Medical, Dental, Vision & Prescription expenses

Dental & Vision expenses only

Work related Parking & Transit expenses

Funds used for

You & Spouse must both be working (if unmarried does not apply)

Enrolled in PPO plan & Do not have an HSA

Use for work-related commute

Eligibility Requirements

Enrolled in HDHP Plan Enrolled in HDHP/HSA & Do not have an FSA

$7,500/year for household

$3,400/year for household

Contribution Limits

$4,400/year individual $8,750/year for family

$340/ month transit $340/ month parking

Funds Availability

As you contribute

First day of coverage First day of coverage As you contribute

Changes

Yearly or QLE

Monthly

Yearly or QLE

Monthly

No, but funds stay with employer

Expiration

Yes

Yes ($680 carry over)

Carrier

UMB Bank

Wex

Eligible Medical, Dental, Vision Expenses

They can also be used to pay for hundreds of other eligible expenses Your HSA, LPFSA, or FSA can help you save on copays, coinsurance, and meeting your deductible.

Personal Health

Medical care Hospital services Telehealth Prescriptions

Over-the-counter pain relievers Period care products Band-Aids

Mental Health Therapy sessions Prescriptions

Dental

Teeth cleaning Dental reconstruction Orthodontia

Treatment for substance abuse disorder

Vision

Chiropractic care Acupuncture Alternative care

Eye exams Prescription glasses/contacts LASIK surgery

FSAStore.com HSAStore.com UMB.com

The list of eligible expenses is determined by the IRS. You can review their list at IRS.gov. Or visit these convenient sites for user-friendly search databases. These sites pull their data from the IRS.gov database. Where can I search for eligible expenses?

You can also review your carrier sites with UMB Bank and Wex for saving strategies and more resources to help maximize your savings. Pro Tip: need help deciding how much to contribute? These sites have calculators to help you break down your expected costs; FSA store, HSA store, and Wex.com. 13

HSAs & HDHPs How They Work Together HDHPs: Maximize Your Savings

With an HDHP you pay the full cost of medical care until the deductible is met. You can use your HSA towards those eligible medical costs. Then the plan covers a portion or all of costs for the remainder of the year.

2026 IRS Annual Contribution Limits

Families $8,750

Individuals $4,400

Veterinary Practice Partners contributes $1,100 to your HSA

High Deductible Health Plan HDHP Lower monthly premiums than traditional plans Higher deductibles and out-of- pocket maximums

Health Savings Accounts HSA Save for eligible healthcare expenses Reduce taxable income with pre- tax contributions Portable account: yours to keep, even if your employment ends Unused funds do not expire

Preventative care covered at 100% (no deductible applies)

HSAs & LPFSAs Additional Ways to Save If you choose to have an HSA, the IRS does not allow you to enroll in a standard Healthcare FSA (FSA). However, you can enroll into a Limited Purpose FSA (LPFSA).

Similar to an FSA, the LPFSA is a pre-tax employee benefit plan option that allows you to set aside salary before any taxes are taken out. While an LPFSA operates similarly to a standard Health FSA, the list of eligible expenses is more restricted. Generally, expenses must fall into the category of dental or vision. See the LPFSA page for more details on boosting your savings opportunities. 14

What are HSA funds for? Health Savings Account HSA

Your HSA can be used for copays, coinsurance, and meeting your deductible and other eligible Medical, Prescription, Dental and Vision Expenses. Eligible expenses include those for the account holder, spouse, and dependents, as defined by the IRS. A health savings account is used to help offset the cost of a qualifying high-deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses.

2026 IRS Annual Contribution Limits

Families $8,750

Individuals $4,400

Availability of Funds After each paycheck’s contribution Contribution Changes Monthly Eligibility Must be enrolled in a HDHP plan Eligible Expenses Medical, Dental, Prescription and Vision

Veterinary Practice Partners contributes $1,100 to your HSA

If you elect the HDHP Core Plan (Bronze), VPP will contribute $1,100 annually, funded on a biweekly basis ($42.31 per pay period) . The VPP contribution is prorated for mid-year enrollees. There is a $1,000 catch-up contribution if you are 55 or older. To be eligible for the HSA account, you must not be a participant in another medical/prescription drug plan that is not a qualified HDHP (such as a spouse’s plan), Medicare, Medicaid, or Tricare. You are also ineligible if you can be claimed on another person’s tax return as a dependent.

If any of the below apply, then you are NOT eligible for an HSA

HOW DOES YOUR HSA WORK?

When visiting your doctor, you shouldn't pay at the time of service. In-Network Doctors will submit claims to Aetna or Meritain Health, while out-of-network claims are your responsibility. After processing and applying discounts, you'll receive a bill for your portion along with an Explanation of Benefits (EOB). To pay, use your HSA Debit Card by providing the information to the doctor or entering it on a paper bill.

not enrolled in HDHP plan have a Medical FSA have an HRA have Medicare are claimed as someone’s tax dependent

LPFSA: DENTAL & VISION SAVINGS Limited Purpose FSA An LPFSA is exclusively for eligible dental & vision expenses, including copays, coinsurance, and meeting your deductible. It can also be used for hundreds of other eligible dental and vision expenses. What are LPFSA funds for?

2026 IRS Annual Contribution Limits: $3,400

Eligible Dental Expense Examples Cleaning Fillings Crowns Braces

Eligible Vision Expense Examples Contact lenses

Eyeglasses Eye exams Vision correction procedures

Availability of Funds Day 1 of your plan For OE: July 1, 2026 Expiration: Use-or-lose June 30, 2027

Unused funds will expire at the end of the plan year on June 30, 2027 You may Carry Over $680 into next year. Eligible Expenses Dental and Vision Contribution Changes Annually during Open Enrollment or during your New Hire enrollment

Why Choose an LPFSA? The Limited Purpose FSA is a great option to add to your savings strategy with your HSA. It is most often used by those who expect vision or orthodontia expenses for themselves or their dependents for the upcoming year. While you could use your HSA to pay for dental and vision expenses, by fully funding your HSA and using an LPFSA to pay for dental and vision expenses, you will maximize your tax savings while preserving your HSA for the future. Note: if you contribute to a Healthcare FSA, you are not eligible for an LPFSA.

Flexible Spending Account (FSA)

HEALTHCARE FSA

What are FSA funds for?

Your FSA can be used for copays, coinsurance, and meeting your deductible and other eligible Medical, prescription, Dental and Vision Expenses. Eligible expenses include those for the account holder, spouse, and dependents, as defined by the IRS.

2026 IRS Annual Contribution Limits: $3,400

Why choose an FSA?

Availability of Funds Day 1 of your plan For OE: July 1 2026 st Expiration: Use-or-lose June 30, 2027

One of the most impactful features of the FSA is that your full contribution amount is available immediately.

Although contributions are deducted evenly from each paycheck, the entire elected amount is accessible from day one. This reduces taxable income and increases take-home pay.

Unused funds will expire at the end of the plan year on June 30, 2027 You may Carry Over $680 into next year Eligible Expenses Medical, Dental and Vision Contribution Changes Annually during Open Enrollment or during your New Hire enrollment

Savings Breakdown Example based on 30% tax rate on

Expense

Cost

Medical

$1,700

Dental

$1,100

Vision

$600

Total Spend

$3,400

Total Savings

30% x $3,400 = $1,020

Dependent Care FSA DCFSAs are spending accounts that let you use pre-tax dollars to pay for eligible dependent care expenses 2026 IRS Contribution Limits $7,500 per household Note: For married couples who file taxes separately, the 2026 limit is $3,750 per person per year.

Care for dependents who are under 13 years old

Eligible Expenses

Before and after school care Babysitting and nanny expenses Daycare, nursery school, and preschool Summer day camp

A dependent may qualify regardless of age if they are Physically or mentally incapable of self-care Lives with you in your home for more than half the year You claim them as a dependent on your tax return

Care for your spouse, elders, or other dependents Eligible Expenses Senior day care In-home assistance Transportation to eligible health services

Visit IRS.gov for more info on rules, regulations, and eligilble expenses.

Why Choose a DCFSA Millions of Americans use a DCFSA to help defray costs associated with childcare or elder care. With UMB Bank, you can pay your dependent care provider directly with the DCFSA debit card linked to your account. Or you can pay for services like usual, then reimburse yourself out of the account later.

Sample Savings Breakdown

Without DCFSA

With DCFSA

Gross annual income

$60,000

Max DCFSA contribution

-$7,500

$Ø

Important account features and regulations

Taxable annual income

$52,500

$42,000

Estimated Tax rate (30%) Take home pay after taxes Estimated annual dependent care expenses

-$15,750

-$18,000

Account funds are available only as you make contributions. Unused account funds will return to your employer at the end of the plan year. So select your contribution amount carefully. To be eligible for a dependent care FSA, both the employee and their spouse (if applicable) must work, be looking for work or be full-time students.

$36,750

$40,200

$Ø (prepaid with DCFSA)

-$7,500

Final take home pay

$36,750

$32,700

Final Savings: $4,050

COMMUTER BENEFITS WHY SHOULD I CHOOSE COMMUTER BENEFITS? Commuter benefits allow you to put money from your paycheck aside each month, before taxes are taken out, for qualified mass transit and parking expenses. Commuter funds can be used for a variety of transportation and parking expenses that allow you to travel to and from work. Eligible modes of transportation include but are not limited to: Train Bus Subway TRANSIT & PARKING BENEFITS Ferry Vanpool (must seat at least 6 adults) Parking or parking meter near VPP Fast savings: You can save up to 30% (based on a 30% tax bracket) or more on your costs commuting to and from work. Get hours back in your day: The average one-way commute to work is nearly 30 minutes! By using public transit, you can use that time to read news, text friends or get a start on your day. Improve your health: Studies have shown that people who commute to and from work in a method other than a private vehicle are less stressed.

Environmental impact: Do your part to reduce traffic congestion and reduce air pollution.

2026 IRS Contribution Limits: Transit : Up to $340/month Parking : Up to $340/month

IRS REGULATIONS Availability of funds: Your funds become available as you contribute to the plan, generally within 2-3 days after your payroll contribution. Contribution changes: You can adjust the amount you contribute to the plan each month at any time. No qualifying event is needed. Rollovers and use-or-lose: The commuter plan is flexible and your funds will continue to roll over month to month until the funds are used. However, your funds will no longer be available if you terminate employment.

View the interactive eligible expense list at www.wexinc.com/resources/benefits-toolkit/eligible-expenses/

Aetna Medical Kit

Aetna Member Account

Manage your health anytime, anywhere. AETNA MEMBER ACCOUNT AND AETNA APP

With Aetna’s digital tools, you can easily manage your care and make informed decisions – all in one place. Using these tools before you get care can help you make better choices and avoid unexpected costs.

Stay on top of your benefits: View and track your claims Check your deductible and out-of-pocket costs Access your digital ID card Review what your plan covers Check costs ahead of time: Compare prices for visits and procedures See estimated out-of-pocket costs Make more informed decisions before you go Connect to care: Find in-network providers who usually cost less Locate walk-in clinics and urgent care centers See reviews of providers

GET STARTED WITH AETNA TODAY

Visit MyAetnaWebsite.com to register for your member website. Get the Aetna Health app by texting “ AETNA ” to 90156 to receive a download link. Scan the QR code to download the Aetna Health app Aetna Provider Search Why choosing a plan is important. Pay less if you use a provider that is In-Network Find the highest level of coverage from a provider under your plan. Confirm doctors are accepting your plan. HOW DO YOU USE DOCFIND? 1.Visit www.aetna.com/docfind 2.Enter your zip code, city, state, or country then click search 3.Choose AETNA OPEN ACCESS PLANS 4.Select MANAGED CHOICE POS (OPEN ACCESS) 5.Search your provider or select the type of provider you are looking for. DocFind is updated 6 days per week excluding Holidays and Sundays. If you can’t find your provider, contact Member Services, 800-962-6842 . The best times to call are early morning or late afternoon Tuesday through Friday.

CVS Health Virtual Primary Care Primary care, mental health and on-demand care, virtually CVS HEALTH VIRTUAL PRIMARY CARE From mental health visits to quick care, you can use CVS Virtual Care in addition to your traditional network of providers. With 24/7 access to quick care, including evenings! Access is included as part of your medical plan from Aetna, a CVS Health company. HOW DOES IT WORK? Log into cvs.com/virtual-care to access CVS Health Virtual Primary Care from your mobile device or computer. Meet with a virtual physician, access on-demand care, or schedule a mental health visit. Enjoy 24/7 access to your virtual Care Team through secure messaging. Get in-person care coordinated to any nearby MinuteClinic location or in- network provider clinic, if needed. Review all medical notes, appointments, and test results right in your online Health Dashboard. Enjoy follow-up care coordination from the Care Team with in-network physicians, if necessary.

On-Demand Care:

Primary Care includes:

Access to 24/7 care with licensed providers Care for preventive care, health and wellness screenings, sick visits, chronic disease management, medication reviews and health coaching

A physician-led Care Team for preventive care and chronic condition management Pharmacist consultation for medication management Coordination and guidance for quality care options

Mental Health Services: Flexible appointment times with therapists and prescribers Counseling for anxiety, stress, depression and grief Psychiatry for diagnosis, treatment and medication management

GET STARTED TODAY WITH CVS VIRTUAL CARE

Visit CVS.com/virtual-care to schedule a visit or scan the QR code to the right. Enter your plan information, tell us how we can help by entering a condition, symptom or care type, and find care that fits your schedule!

Through your Aetna medical plan, you have access to a range of programs, tools, and resources designed to help you stay healthy, manage your care, and save money. AbleTo Behavioral Care Program

Personalized support when you need it ABLETO BEHAVIORAL CARE PROGRAM

Sometimes life can be overwhelming, leading to worry, stress, or sadness. These are common feelings with major life changes or chronic pain. With the AbleTo program, you’ll get virtual, personalized support that can help you feel better . You’ll learn how to better manage your emotions and improve your overall health in as little as 8 weeks. HOW DOES IT WORK? Every week, you’ll meet with your experienced care team (a behavioral coach and therapist). You’ll work with them to set goals and learn coping strategies in two private sessions per week. Your team will help you: Better understand the relationship between thoughts, feelings, and actions Get ahead of challenging issues, including medical conditions, family problems, or personal hurdles Overcome obstacles that keep you from living your best life

Consider AbleTo support if you’ve had one of these health conditions or life changes: Depression, anxiety, or panic attacks Chronic pain/pain management Grief and loss Diabetes/weight loss Cardiovascular disease Caregiver stress (child, elder, or person with autism) Digestive health issues Cancer diagnosis and recovery Respiratory issues Infertility or postpartum depression Alcohol or substance use disorder Military transition Here’s what makes this program different: A short-term, eight-week model with flexible scheduling

Proven effectiveness Therapy plus coaching Excellent online member experience

EASY WAYS TO JOIN THE PROGRAM We’ll call you: If your claims data shows you may benefit from this program, an Aetna or AbleTo representative will call you to explain how it works and why it can help you. Or, you can contact us: Visit AbleTo.com/Aetna , or call 1-844-330-3648 , Monday-Friday from 9 AM - 8 PM ET.

Meritain Health Medical Kit

Meritain Member Account

Manage your health anytime, anywhere. MERITAIN MEMBER ACCOUNT AND APP

Your Meritain Health member website offers a secure, user-friendly platform for accessing account and claims information to manage your health. It includes essential features and additional resources to support a healthy lifestyle, assist with medical decisions, and optimize your healthcare spending.

With an online account, you can:

Research health and wellness topics Check claim status Locate in-network doctors, clinics, and hospitals Access prescription and drug information Order or manage ID cards

YOUR SECURE MEMBER WEBSITE

Scan the QR code and click on the link to register or visit www.meritain.com . Then, in the top right corner, click Register. If you need help registering, you can contact Meritain Health Customer Service at 1-800-925-2272 Meritain Provider Search

Find Care Online Directory | Aetna Choice Point of Service (POS) II When you and your family need care, you can look for doctors and hospitals in the Aetna Choice POS II network using the Find Care online directory from Aetna.

Find Aetna Providers Online in Just a Few Quick Steps

You can use the directory anywhere you have internet access. Just:

Use the search box, which includes type-ahead suggestions and will present provider, facility, specialty and condition search options based on what is entered. These suggested options will present an exact match or relevant providers. What do you want to search for near (will display your chosen location).

1. 2.

Visit www.aetna.com/dsepublic/#/memeritain

Key in the ZIP code, city, county or state in the Enter location here field. Click Search. Key in Aetna Choice® POS II (Open Access) under Select a Plan. Click Continue. There are two options available to search for providers. The guided flow search uses some of our most commonly searched terms and easily organizes them for our users to find. To use the guided search flow, choose and click on one of the categories under Find what you need by category. Or see step five.

Choose your provider from the list of providers displayed on the results screen. You can learn more about providers by clicking on the provider’s name. 6. Narrow your search results by using the Filter & Sort option. Choices include Gender, Languages, Hospital Affiliations, Office Detail, Individual Practice Association Affiliations, Group Affiliations and Provider Type. 7.

Meritain Health® does not require you to choose a PCP, but we encourage you to choose one. Your PCP knows your health care needs, so they can help manage your health and coordinate your care. To find and choose a PCP, use the Find Care tool on your member portal. WHY CHOOSE A PRIMARY CARE PHYSICIAN (PCP)?

Need a provider when you’re not near a computer? No problem. Simply call the Aetna Provider Line at 1-800- 343-3140 from 8:00 AM - 9:00 PM ET, Monday through Friday. FIND PROVIDERS BY PHONE

For 2026, your pharmacy coverage will be RxBenefits , administered by OptumRx. Your joint medical and pharmacy ID card will be delivered to your home address. RX Benefits with Meritain PRESCRIPTION BENEFITS

How RxBenefits and OptumRx help you save on prescriptions

Function

OptumRx

RxBenefits

Manages pharmacy benefits for health plans and employers

Optimizes pharmacy benefits for employers and their employees

Role

Provides member services, helps members find lower-cost alternatives, assists with transitions of care Greater discounts, enhanced access, and improved member services for employers and their employees

Negotiates discounts with pharmacies, develops formularies, processes claims

Services

Lower prescription drug costs for health plans and employers

Benefits

KEY DETAILS ABOUT PRESCRIPTION BENEFITS

What is a prior authorization? Some medications may need prior authorization (PA) before filling your prescription. This ensures the medication is suitable for your condition and covered by your pharmacy benefits, aiming for safety, effectiveness, and cost-efficiency. The RxBenefits PA Review Team handles reviews, with submissions via the online portal.

Access to My RxBenefits • View pharmacy benefits coverage • Download and email ID cards • View 18 months of pharmacy claims (including claims for eligible dependents) • Establish and manage communications preferences • Access to online PA status (if they have Enhanced Protect and if RxB is the reviewer) Access to OptumRx.com • Review medication tiers, drug pricing, local pharmacies, plan details, and ways to maximize benefits • New Members will need to make an account

For Questions or Concerns

Members can contact RxBenefitsMemberServices Monday through Friday 7:00 a.m. – 8:00 p.m. Central customercare@rxbenefits.com 800.334.8134

Teladoc

Virtual Healthcare available to you through Meritain Health TELADOC Take control of your health needs from anywhere, with Teladoc Medical Care: Teladoc Health is the on-demand health care solution that gives you the medical care you need, when you need it. You can talk to a doctor anytime, anywhere about non-emergent medical conditions, including dermatology and behavioral health.

Common Conditions Treated Include: Allergies Sinus Infections Migraine Stomach Issues What Will This Service Cost?

Skin Irritations & Rashes Urinary Tract Infections Respiratory Infections Eye or Ear Infections

The cost for each virtual visit varies by your medical plan. Please refer to the chart below for the per visit cost according to VPP’s 2025 medical plans.*

HDHP Core Plan (Bronze)

Choice Plan (Silver)

Choice Plus Plan (Gold)

Medical Plan

Per Visit Cost

$40 after deductible $50 copay

$35 copay

*Please note this cost reflects the initial cost of a virtual visit. It does not include additional costs that may be accrued for additional services during your visit, including prescription copays, lab tests, or diagnostic services. Please see your plan SBCs for more information.

Request a video consultation online! To set up your account online, visit the Teladoc Health website at www.teladoc.com or scan the QR code. If you have already registered your account, click "Sign In." To create a new account, click "Register Now." Call Teladoc Health at 1-800-835-2362 Download the Teladoc Health mobile app on the Apple App Store or Google Play. MORE THAN ONE WAY TO REACH A DOCTOR

Virtual Mental Health

Access mental well-being services from anywhere VIRTUAL MENTAL HEALTH With telehealth and virtual mental well-being programs, you can easily get the help you need from providers who are part of your network. So, whatever you’re facing, you’ll have support, including counseling, medication or help with mental health concerns. Plus, you can see providers when and where it’s convenient for you. However, depending on your plan coverage, some services may not be covered. You’ll want to confirm telehealth eligibility by checking your member website for plan details or calling the number on your ID card, prior to receiving services. Below is a list of providers you can access for a variety of concerns or conditions:

Depression, Anxiety or Mental Well-Being Concerns

Age 0-18

Provider Brightline

Contact

Availability

hellobrightline.com

NY, NJ, CT, MA, WA

5+ 5+ 5+

Alma Health

helloalma.com/meritain

Nationwide Nationwide Nationwide Nationwide Nationwide Nationwide

Rula

rula.com/meritain

Telemynd Talkspace Meru Health

telemynd.com/meritain talkspace.com/meritain meruhealth.com/meritain

13+ 18+

18+ Brightside Health brightside.com/meritain 18+ CVS Minute Clinic cvs.com/mentalhealth

CVS Minute Clinic

Serious Mental Health Conditions

Age

Provider

Contact

Availability

AK, AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, MD, MI, MO, MT, ND, NE, NM, NV, NH, NJ, NY, NC, OH, OR, PA, SC, TN, TX, UT, WA, WI, WY

11-34 Charlie Health

charliehealth.com

Chronic Medical Conditions and Mental Health

Age 18+

Provider AbleTo

Contact

Availability Nationwide

member.ableto.com

Chronic Medical Conditions and Mental Health

Age

Provider

Contact

Availability Nationwide

All ages Equip Health

equip.health

Telehealth or virtual services: Connects you and your provider via a secure video platform for counseling, support, education, and medication management from the location of your choice. Availability: Specific availability by state is subject to change without notice. To learn more about your benefits, simply call the number on the back of your medical ID card.

Additional Benefits

Dental Vision

Long-Term Disability (LTD) Short-Term Disability (STD) Voluntary Life and AD&D

Principal Member Account VPP offers the following benefits offered to you through Principal. PRINCIPAL MEMBER ACCOUNT AND APP

Dental Vision Voluntary Long-Term Disability (LTD) Employer paid Short-Term Disability (STD) Voluntary Life and AD&D

Principal’s member account and mobile app allow you to view and manage these benefits all in one convenient place. Please see below for instructions on registration and access to your Principal member account.

Start by creating your account 1 | From your favorite browser, go to principal.com and select Log In. Or, download the Principal app for free from the App Store or Google Play. 2 | Select Create an account. 3 | Enter personal information such as your date of birth and identification number. 4 | Create a username and password, and provide an email address. 5 | You’ll receive an email within a few minutes to confirm your account is ready to go. You can access your account information anytime, 24/7, with the username and password you’ve just set. Manage your benefits on Principal.com and the Principal mobile app After logging in, you can manage your benefits and other Principal products you have when, where, and how it’s convenient for you. Depending on your coverages, you can:

• View and manage claims • Get a 24-month history of your explanation of benefits (EOB) • Access your summary of benefits, as well as benefit booklets

• Find a list of covered dependents • View and print your dental ID card • Search for and contact a network dentist • Find discounts and services • Calculate coverage needs and more

Keeping your account safe Your information is important to us. That’s why we use verification codes to prevent others from accessing your account, even if they have your password. The first time you log in—on Principal.com or the mobile app—you’ll need to choose how you’ll receive the codes. If you log in from an unrecognized device, forget your password, or we notice anything out of the ordinary, the codes help us confirm it’s really you accessing your account.

Let’s connect

Need help setting up your login, or have other questions? Call us at 800-986-3343. We’re happy to help.

Dental Coverage VPP offers dental coverage through Principal, with two plan options: PPO Low Plan or the PPO High Plan. To improve access to high quality, affordable dental care, VPP has upgraded the PPO Low Plan. This includes a coinsurance enhancement for preventative care – from 50% to 100% coinsurance. Additionally, the OON Deductible has been reduced over 6 times and is now $50 for individual deductible and $150 for the family deductible.

Preventative care Includes: Routine Oral Exams, X-rays, and Cleanings twice per year Basic care includes: Fillings, General Anesthesia, and Simple oral surgeries (i.e., extractions and root canals) Major care includes: Crowns, Dentures, Bridges, and Complex oral surgeries

PLAN HIGHLIGHTS

Dental Plan Benefits

PPO Low Plan

PPO High Plan

In-Network

Out-of-Network*

In-Network

Out-of-Network*

Annual Individual Deductible

$50

Annual Family Deductible

$150

100% Coinsurance after deductible 30% Coinsurance after deductible 25% Coinsurance after deductible

100% Coinsurance no deductible 80% Coinsurance after deductible 50% Coinsurance after deductible

Preventative Care

100% Coinsurance

Basic Procedures

80% Coinsurance

Major Procedures

40% Coinsurance

Calendar Year Max

$1,000 per person

$2,000 per person

Orthodontia

N/A

$1,500 lifetime maximum for dependents up to age 19

*Additional employee payment responsibility known as ‘Balance Billing’ applies to all out of network services. EMPLOYEE CONTRIBUTIONS

Dental Plans

PPO Low Pre-Tax Costs

PPO High Pre-Tax Costs

Monthly Cost

Per Pay Period

Monthly Cost

Per Pay Period

Employee

$16.25

$7.50

$45.36

$20.94

Employee + Spouse

$31.95

$14.75

$83.75

$38.65

Employee + Child(ren)

$45.06

$20.80

$121.81

$56.22

Family

$60.90

$28.11

$169.35

$78.16

Vision Coverage

Frames & Contacts You will need to choose to apply your vision benefits towards your frames OR your contacts once per calendar year. You cannot use the benefits on both contacts and frames in the same calendar year.

VPP offers vision coverage through Principal . Principal has one of the largest networks of private practicing optometrists, ophthalmologists, and opticians. In addition to the vision plan benefits provided through your benefits program, Principal offers several non-covered services at a discount.

PLAN HIGHLIGHTS

Vision Plan Benefits

In-Network

Out-of-Network

Annual Exam

$10 copay every 12 months

$45 allowance

Single Lens

$25 every 12 months

$30 allowance

Bifocal Lens

$25 every 12 months

$50 allowance

Trifocal Lens

$25 every 12 months

$65 allowance

Frames

$150 + 20% off balance every 24 months

$70 allowance

Elective Contacts

$150

$105 allowance

Necessary Contacts

$25 per 12 months

$210 allowance

EMPLOYEE CONTRIBUTIONS

Vision Plan

Pre-Tax Monthly Contribution

Per Pay Period

Employee

$6.94 $12.91 $13.49 $20.77

$3.20 $5.96 $6.23 $9.59

Employee + Spouse Employee + Child(ren)

Family

Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49

Made with FlippingBook - PDF hosting