Open Enrollment 2025 Benefits Guide

Open Enrollment 2025 BENEFITS GUIDE Marmic Fire & Safety

2025 OPEN ENROLLMENT th nd November 12 – 22 Open Enrollment is the one time of year you are eligible to add or delete dependents from your coverage, change your coverage level or change your benefit elections without experiencing a qualifying change in status event. The benefits and coverage you select during this enrollment period will be effective January 1, 2025 and will remain in effect through December 31, 2025, the end of the plan year. If you have questions regarding benefits or open enrollment, please contact HR at benefits@marmicfire.com 2025 UPDATES: - Spousal Exclusion: A spouse is not eligible for the Marmic Fire Medical Plan if they have Medical Benefits offered to them through their employer. A spousal affidavit will be required to be signed if you cover your spouse. - Tobacco Surcharge: There will be a surcharge of $100 a month for each employee and/or dependent that use any form of tobacco. All employees must sign a tobacco affidavit. This benefits guide is a summary description of your 2025 benefit plans options. It is intended to help you will learn about the benefits offered, plan HOW TO ENROLL premiums, and how and when to enroll. Be sure to save this guide as a benefits resource you can refer to throughout the year. If there is a discrepancy between these summaries and the written legal plan documents, the plan All employees must login to ADP. Whether you are enrolling in coverage for the first time, electing to continue your current coverage, or waiving coverage, you will need documents shall prevail. This booklet and plan summaries do not constitute a to login and mark elections in ADP. Access ADP and login with your credentials or contract of employment. use the ADP mobile app. Scan or click the QR code for the ADP mobile app.

ELIGIBILITY EMPLOYEES 1 All full time employees are eligible for the benefits program. You may insure yourself and eligible family members under the program. LEGAL DEPENDENTS Your children are eligible for medical, dental, and vision to age 26. Your children of any age are also eligible if you support them, and they are incapable of self-support due to disability. 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. EVENTS QUALIFYING You may make a change to your benefits if you have a qualified status change such as marriage, divorce, birth/adoption, death, changes in spouse’s benefits or eligibility, and more. You must contact your plan administrator within 30 days of the qualifying event to make appropriate changes.

MEDICAL BENEFITS OVERVIEW Health insurance is an important component of Marmic Fire’s benefits program. A quality health insurance plan provides you with protection against the financial uncertainty that can come with treating a major illness or injury. Our health insurance plans administered by Meritain offer you the peace of mind of knowing you have that financial protection. HOW IT WORKS Meritain medical plan options includes a High Deductible Health Plan as well as the choice of a traditional copay plan. Each plan offers 100% coverage for preventive care. Plan designs on next slide. FIND A PROVIDER • Visit www.Meritain.com • Click on “Find A Provider”; You will need to know your plan, which can be found on the first page of your medical benefit summary. KRISTEN JONES Group Delta Dental PPO LINK TO MEDICAL CARRIER LINK TO FIND A PROVIDER

$2,500 COPAY PLAN $4,000 HDHP W/ HSA Employer HSA N/A Match up to $500 Contributions Deductible $2,500 / $5,000 $4,000 / $8,000 (Single/Family) Out-of-Pocket Max $6,250 / $12,500 $7,000 / $14,000 (Single/Family) Coinsurance 20% 20% Preventive Care 100% Coverage 100% Coverage Physician/Specialist DEDUCTIBLE, Visits $40 / $55 Then 20%, Up to Out of Pocket Maximum DEDUCTIBLE, Hospital/Out-Patient 20% after deductible Then 20%, Up to Out of Pocket Maximum DEDUCTIBLE, Emergency Room $500 Then 20%, Up to Out of Pocket Maximum DEDUCTIBLE, Urgent Care Centers $100 Then 20%, Up to Out of Pocket Maximum

$2,500 COPAY PLAN $4,000 HDHP W/ HSA Retail Prescriptions: DEDUCTIBLE, Generic $15 Then 20%, Up to Out of Pocket Maximum Retail Prescriptions: DEDUCTIBLE, Preferred $35 Then 20%, Up to Out of Pocket Maximum Retail Prescriptions: DEDUCTIBLE, Non-Preferred $55 Then 20%, Up to Out of Pocket Maximum DEDUCTIBLE, Specialty Prescriptions: 25% up to $350 Then 20%, Up to Out of Pocket Maximum Mail Order Prescriptions: DEDUCTIBLE, Generic $37.50 Then 20%, Up to Out of Pocket Maximum Mail Order Prescriptions: DEDUCTIBLE, Preferred $87.50 Then 20%, Up to Out of Pocket Maximum Mail Order Prescriptions: DEDUCTIBLE, Non-Preferred $137.50 Then 20%, Up to Out of Pocket Maximum

HEALTH SAVINGS ACCOUNT HSA TRIPLE TAX SAVINGS By enrolling in a qualified high deductible health Tax-free plan (HDHP), you are eligible set up a tax-preferred Pre-tax Tax-free growth savings account known as a Health Saving Account payroll withdrawals from interest or (HSA). Health Savings Accounts allow you to set deductions for eligible investment returns aside pre-tax money to cover your deductible and pay expenses for other out-of-pocket health care expenses for you and your dependents. HSA TRIPLE TAX SAVINGS CONTRIBUTION LIMITS You can start, stop, or change your For the 2025 calendar year, the IRS allows you to contribution amount during the year. contribute up to following amounts into your Health Savings Account based on your medical enrollment: You can use funds for yourself, your spouse, and/or eligible tax dependents — whether • Single coverage: $4,300 they are on your medical plan or not. • Family coverage: $8,550 • Additional catch-up contribution Age 55+: $1,000 You can’t contribute to an HSA once you’ve enrolled in Medicare, but you can withdraw Marmic Fire generously matches up to money tax-free to pay healthcare expenses. $500 annually IRS limits include employer HSA Introduction View Qualified and employee contributions Expenses

HDHP AND HSA CONSUMER EXPERIENCE 1 DOCTOR VISIT 3 EOB Visit your healthcare provider and the office will submit the claim Meritain sends you the Explanation of Benefits (EOB), which to your health plan. includes the amount you owe the doctor. 2 AMOUNT OWED 4 BILL RECEIVED As the administrator of our health plan, Meritain processes your Your doctor will then send you a bill, which should match the claim(s) and will share the amount you owe with your doctor. amount due on the Explanation of Benefits. Providers in the Aetna POS II network will cost you less than non contracted providers. 5 PAY WITH HSA You can use your HSA funds to pay the bill from your doctor. If you pay out of pocket, you can reimburse yourself from your HSA.

MERITAIN HEALTH Did you know you can find a variety of health care tools and resources at www.meritain.com? MANAGE YOUR CLAIMS With Meritain, you can submit and track your claims online. FPO COMPARE CARE & COSTS Our digital tools can help you find doctors in your plan’s network and compare care costs up front. DOWNLOAD YOUR ID CARD Your digital ID card is always there when you need it.

ADDITIONAL WAYS TO SAVE SAVE MONEY - USE NETWORK PROVIDERS The Aetna POS II network gives you the freedom to choose any doctor, but you 24/7 VIRTUAL DOCTOR VISITS get more from your benefits when you use network providers: you pay less out of pocket for when rendering services and the plan pays more of the cost of your services. To find a network doctor, provider, or facility, visit www.meritain.com • 24/7 access to U.S. licensed doctors by under "important Links“. phone or video MERITAIN • Doctors can diagnose, treat, & prescribe REGISTRATION medication PREVENTIVE CARE IS FREE TO YOU • Quality care from wherever you are Covered preventive care is paid in full by any of the medical plans you choose – • $56 COPAY no deductible, no copay. Click the link for a list of covered preventive services and immunizations, along with age recommendations. DOWNLOAD THE APP PREVENTIVE CARE SERVICES REGISTER OR SCHEDULE FAMILY DEDUCTIBLES AND ONLINE OUT-OF-POCKET MAXIMUMS The deductible and out-of-pocket maximum for each person in the family is capped at the individual amount. In other words, once an individual has reached the individual deductible amount, the plan will start paying benefits for that person. And, once the combined expenses of all family members reaches the family amount, the deductible or out-of-pocket maximum will be considered met for all family members (even if they haven’t met the individual amount). This is a great benefit.

PHARMACY BENEFITS WITH RXBENEFITS + OPTUM RX OVERVIEW ONLINE HELP In addition to Health insurance, your pharmacy benefits are another component of • Visit https://www.rxbenefits.com/members/ Marmic Fire’s benefits program. • Helpful tools include: Prior Authorization Form, HOW IT WORKS Portal Login, Customer Care Show your member ID card and prescription at any network pharmacy to get your drugs. RxBenefits offers a large network of major chains, regional pharmacies and independent stores. LINK TO RXBENEFITS RESOURCES

DENTAL BENEFITS HOW IT WORKS The preferred dentist program administered by Unum is designed to provide the dental coverage you need with the features you want — like the freedom to visit the dentist of your choice, in or out of network. Use network providers to receive higher benefits. MANAGE YOUR BENEFITS Go to www.unumdentalcare.com to access secure information about your Unum benefits including access to an image of your ID Card. Your on-line account will be set up within 30 days after your plan effective date. FIND A DENTIST • Visit Unum Dentist Search • Choose how you would like to search and enter your address or zip code. LINK TO DENTAL CARRIER LINK TO FIND A PROVIDER

DENTAL BENEFITS Low Plan High Plan $50 per individual – Not to Deductible (Single / Family) $50 per individual – Not to Deductible (Single / Family) exceed $150 as a family exceed $150 as a family Annual Plan Maximum $1,250 / Individual Annual Plan Maximum $1,500 / Individual Preventive Services 100% Covered Preventive Services 100% Covered Exams, Cleanings, Fluoride, X-Rays Exams, Cleanings, Fluoride, X-Rays Basic Restorative 80% Covered Basic Restorative 80% Covered Fillings, Extractions, Endodontics, Crown Repairs Fillings, Extractions, Endodontics, Crown Repairs Major Restorative 50% Covered Major Restorative 50% Covered Crowns, Dentures, In/Outlays, Periodontics Crowns, Dentures, In/Outlays, Periodontics Orthodontia Services Not Orthodontia Services 50% Covered Children and Adults Covered Children up to age 19 Orthodontia Lifetime Maximum Not Covered Orthodontia Lifetime Maximum $1,500

VISION BENEFITS HOW IT WORKS The vision plan administered by Unum is designed to provide the Exam $10 copay vision coverage you need with the features you want. MANAGE YOUR BENEFITS Glasses Lenses $25 copay Go to www.eyemedvisioncare.com/unum to access secure (Single / Bifocal/ Trifocal / Lenticular) information about your Unum benefits including access to an image of your ID Card. Your on-line account will be set up within 30 days after your plan effective date. Glasses Frames $130 retail frame allowance then 20% off FIND A PROVIDER • Visit www.eyemedvisioncare.com/unum • Click on “Find an Eye Doctor Contact Lenses $130 retail allowance then (Medically Necessary / Elective) 20% off LINK TO FIND A PROVIDER

COST OF COVERAGE HOW YOU PAY FOR HEALTH CARE COSTS TOTAL COST OF CARE Premium Out of Pocket Expenses Remember, your total health care cost for Pre-tax the year is the combination of your out-of- Payroll pocket expenses when you access medical Deductions care and the premium contributions you Copays Deductibles Coinsurance make for coverage. Depending on your personal situation, the plan with the lowest deductibles and copays may not be the best plan for you. Be sure to look at the total cost Annual Employee Spend of your expected care before making your plan decisions for the plan year.

COST OF COVERAGE Monthly Premiums Monthly Premiums Monthly Premiums MEDICAL DENTAL VISION $2,500 $4,000 Copay HDHP LOW HIGH Employee Only $25.67 $30.51 Employee Only $129 $50 Employee Only $5.72 Employee + $52.01 $61.88 Employee + $592 $475 Family $12.31 Spouse Spouse Employee + $72.63 $86.38 Child(ren) Employee + $475 $317 Child(ren) Family $104.95 $124.83 Family $694 $525

EMPLOYEE ASSISTANCE PROGRAM All full-time employees are automatically (even if you are not enrolled in medical benefits) provided access to Unum’s Employee Assistance Program. The EAP is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns. The program includes up to 3 confidential consultations a year. CLINICAL WORK-LIFE Confidential assistance for a range of concerns Assistance for daily challenges at home and work including addictions, depression, anxiety, stress, including financial, legal, child/elder care, and relationships, and parenting. identity theft. GET HELP LINK

unum.com\lifebalance

FLEXIBLE SPENDING ACCOUNTS Flexible Spending Accounts (FSAs) are set up to pay for many of out-of-pocket medical expenses with tax-free dollars. The FSA account holder sets aside a pre-tax dollar amount for the year used to pay for medical expenses. Unused FSA funds WATCH THIS FSA VIDEO TO LEARN MORE can expire at the end of the year, so it is important to calculate expected expenses as accurately as possible prior to adding funds. HEALTHCARE FSA 2 DEPENDENT CARE ACCOUNT (DCA) FSA 1 The FSA can be paired with a Copay Plan. Employees A DCA can also be paired with BOTH the HDHP or who enroll in the HDHP are NOT eligible for the the Copay Plan. A DCA is a tax-free account for Healthcare FSA. FSA funds can be used on various dependent care expenses such as daycare, medical, dental, and vision related expenses – the preschool, or day camps for any dependent under benefit is to use tax-free dollars on these purchases. the age of 13 or who are physically or mentally The IRS has set the contribution maximum to $3,300 incapable of self-care. The IRS has set the annually. contribution maximum at $5,000 for families and $2,500 for individuals. VIEW ELIGIBLE EXPENSES LEARN MORE ABOUT YOUR DCA

ADDITIONAL BENEFITS Marmic Fire provides full-time employees with employer-paid basic life insurance at no cost.

EMPLOYER-PAID BENEFITS 1 BASIC LIFE INSURANCE This employer-paid basic life insurance policy is available to all full-time employees. In the event of your death, your beneficiaries will receive $40,000. Coverage decrease to 65% at age 65 and 50% at age 70. Please ensure your beneficiaries are on file and up to date

The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such VOLUNTARY BENEFITS as answering medical questions on an application or completing a medical exam. 1 ACCIDENT 4 - TERM DISABILITY SHORT Employee Benefit: Up to $50,000 depending severity of accident. Employee-paid short-term disability protects your income during a short Spouse & Child(ren) Benefit: Up to $25,000 for spouse or $12,500 for period of time due to illness, maternity leave, or an accident not related to children depending severity of accident. your job. Benefits begin 15 days after the date of the incident and will 2 CRITICAL ILLNESS cover 60% of your earnings (up to $2,000/week) for a total of 11 weeks. Employee Benefit: $10,000, $20,000 or $30,000 Any pre-existing condition is excluded until you have been insured for 12 Spouse & Child(ren) Benefit: Spouse can get up to months. 100% of employee benefit and children up to 50%. 3 VOLUNTARY LIFE & AD&D 5 LONG-TERM DISABILITY Employee Benefit: Increments of $10,000 up to $500,000. Guarantee Employee-paid long-term disability protects your income due to illness, issue of $150,000. maternity leave, or an accident not related to your job. Benefits begin Spouse Benefit: Increments of $5,000 up to $100,000. (Cannot exceed 90 days after the date of the incident and will cover 60% of your 100% of employee amount) Guarantee issue of $30,000. earnings (up to $6,000/month). Child(ren) Benefit: Up to $10,000, guarantee issue is face-value. (Children age 14 days to 23 years, 26 if full-time student) Get more plan details by scanning or clicking this QR code

CONTACTS Medical: Meritain (Group Number 24361) 800-925-2272 | www.meritain.com Pharmacy: RX Benefits 866-769-5987 | https://www.rxbenefits.com/members/ Dental, Vision: Unum 888—400-9304 | www.unumdentalcare.com Vision: Unum 888—400-9304 | www.eyemedvisioncare.com/unum Basic Life, Voluntary Life/AD&D, STD, LTD, Critical Illness and Accident: Unum STD & LTD: 888-673-9940 All Other: 800-635-5597 Employee Assistance Program: Unum 800-854-1446 | www.unum.com/lifebalance Flexible Spending Account (FSA) & Dependent Care FSA: WEX 866-451-3399 | www.wexinc.com Health Savings Account (HSA): Optum Bank 866-234-8913 | www.OptumBank.com Human Resources: benefits@marmicfire.com