Open Enrollment 2026 Benefits Guide

Open Enrollment 2026 BENEFITS GUIDE

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Please note that Angle Heath only provides electronic ID cards ; you can obtain a copy of your ID card by logging into your account at https://member.anglehealth.com/login . In 2026, PSA s Medical benefits will be transit ion ing to Angle Heath with the Aetna Network . I t is important to check if your doctor is in the Aetna Network . For customer service, or finding a provider in the Aetna network with Angle Health, call AngleHeath or visit www.AngleHealth.com In 2026, PSA s dental and vision benefits will be transit ion ing to Principal . I t is important to check if your providers are in network . For customer service, or finding a provider in network, call Principal or visit www.principal.com . You will receive a new ID card in the mail, or you can access your digital ID card through the Principal website.

All employees working 30 hours per week, or more are eligible for the benefits program. You may insure yourself and eligible family members under the program. Your spouse or domestic partner is eligible for benefits . Your children are eligible for benefits up 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 . You may make a change to your benefits if you have a qualified status change such as marriage, divorce, birth/adoption, death, changes in spouses benefits or eligibility, and more . You must contact your HR Department within 30 days of the qualifying event to make appropriate changes .

Health insurance is an important component of PSA Companys 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 . PSA provides three medical plan options including a High Deductible Health Plan as well as the choice between two traditional copay plans. Each plan offers 100% coverage for preventive care. Plan designs on next slide. We encourage you to review the Summary of Benefits & Coverage or Summary Plan Description for complete details on exclusion, limitations and pre - authorization requirements. LINK TO MEDICAL CARRIER

HSA Available N/A HSA Available N/A Deductible (Single/Family) $500/ $1,000 $3,400/ $6,800 $1,000/ $2,000 Coinsurance 20% 0% 20% Out - of - Pocket Max (Single/Family) $1,500/ $3,000 $3,400/ $6,800 $2,000/ $4,000 Physician/Specialist Visits $10 / $30 Up to Deductible $10 / $30 Preventive Care 100% Covered by Plan 100% Covered by Plan 100% Covered by Plan Hospital | In/Out - Patient 20% after deductible Up to Deductible 20% after deductible Emergency Room $200 after deductible Up to Deductible $200 after deductible Urgent Care Centers $50 Up to Deductible $50 Medical Plan Options Angle Heath - Aetna Network

Retail Prescriptions: Generic $10 $0 after deductible $10 Retail Prescriptions: Preferred $30 $0 after deductible $30 Retail Prescriptions: Non - Preferred $60 $0 after deductible $60 Retail Prescriptions: Specialty 20% after deductible $0 after deductible 20% after deductible Prescription Coverage In - Network

For the 2026 calendar year, t he I RS allows you to contribute up to following amounts into your Health Savings Account: Single coverage: $ 4,400 Any tier of Family coverage : $8,750 Additional catch - up contribution: Age 55+: $1,000 IRS li mits include combined employer and employee contributions shapeBookletColorPrimary,shapeBookletPrimaryFontColor HSA Introduction Only f or those enrolling in the High Deductible Health Plan (HDHP), you are eligible set up a Health Saving s Account (HSA) . Health Savings Accounts allow you to set aside pre - tax money to help cover your deductible and pay for other out - of - pocket healthcare expenses for you and your dependents . Tax - free growth from interest or investment returns You can start, stop, or change your contribution amount during the year. You can use funds for yourself, your spouse, and/or eligible tax dependents whether they are on your medical plan or not. You cannot contribute to an HSA once youve enrolled in Medicare, but you can use any existing HSA dollars on health expenses, including Medicare premiums.

Visit your healthcare provider and the office will submit the claim to your health plan . As the administrator of our health plan, Angle Health processes your claim(s) and will share the amount you owe with your doctor . Providers in the Angle Health network will cost you less than non contracted providers . Angle Health sends you the Explanation of Benefits (EOB), which includes the amount you owe the doctor. Your doctor will then send you a bill, which should match the amount due on the Explanation of Benefits. 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 .

With Angle, you can submit and track your claims online. Our digital tools can help you find doctors in your plans network and compare care costs up front. Your digital ID card is always there when you need it. Register Today! You can register online or through the app. 1. Go to the angleheath.com website or launch the Angle Heath Inc. app and select Create Your Account 2. Enter your requested information 3. Confirm your identity 4. Create your security information and provide your primary email address 5. Review and submit Once you enable two - step authentication and log into your Angle account, you will be asked to enter your user ID and password, as well as a 6 - digit code that will be sent to e ither your email address or mobile phone number.

The Aetna network gives you the freedom to choose any doctor, but you 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.AngleHeath.com. Covered preventive care is paid in full by any of the medical plans you choose no deductible, no copay. Click the link for a list of covered preventive services, along with age recommendations. 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 havent met the individual amount). This is a great benefit. PREVENTIVE CARE SERVICES PREVENTIVE CARE SERVICES ANGLE PORTAL REGISTRATION ANGLE PORTAL REGISTRATION

The preferred dentist program administered by Principal 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. Go to www.principal.com to access secure information about your Principal 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.. Visit www.principal.com Click on Find A Provider; You will need to know your plan, which can be found on the first page of your dental benefit summary. LINK TO DENTAL CARRIER LINK TO FIND A PROVIDER

LINK TO FIND A PROVIDER Exam $10 copay Glasses Lenses (Single / Bifocal/ Trifocal / Lenticular) $25 copay Glasses Frames $200 retail frame allowance + 20% off remaining balance Contact Lenses Medically Necessary Elective $25 copay $200 retail allowance

Annual Employee Spend Copays Deductibles Coinsurance Out of Pocket Expenses Premium Pre - tax Payroll Deductions Remember, your total health care cost for the year is the combination of your out - of - pocket expenses when you access medical care and the premium contributions you 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 of your expected care before making your plan decisions for the plan year.

$500 Copay $3,400 HDHP $1,000 Copay Employee Only $23.00 $0.00 $18.00 Employee + Spouse $222.00 $162.00 $209.00 Employee + Child(ren) $187.00 $132.00 $175.00 Family $397.00 $309.00 $378.00

User name: LFGsupport Password: LFGsupport1

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 can expire at the end of the year, so it is important to calculate expected expenses as accurately as possible prior to adding funds. 1 HEALTHCARE FSA The FSA can be paired with a Copay Plan . Employees who enroll in the HDHP are NOT eligible for the Healthcare FSA. FSA funds can be used on various medical, dental, and vision related expenses the benefit is to use tax - free dollars on these purchases. The IRS has set the contribution maximum to $3,400 annually. 2 LIMITED PURPOSE FSA The Limited Purpose FSA can be paired with BOTH the HDHP or the Copay Plan. The Limited Purpose FSA can be used on Dental and Vision expenses only. By adding money to a Limited Purpose FSA, employees can use tax - free dollars on dental and vision expenses. The IRS has set the contribution maximum to $3,400 annually. 3 DEPENDENT CARE ACCOUNT (DCA) FSA A DCA can also be paired with BOTH the HDHP or the Copay Plan. A DCA is a tax - free account for dependent care expenses such as daycare, preschool, or day camps for any dependent under the age of 13 or who are physically or mentally incapable of self - care. The IRS has set the contribution maximum at $7,500 for families and $3,750 for individuals.

PSA provides full - time employees with employer - paid Basic Life and AD&D insurance as well as Long - Term Disability income protection. A D D I T I O N A L B E N E F I T S

The group life and accidental death and dismemberment policy is available to all full - time employees in the amount of $50,000. In the event of death, loss of (or loss of use of) a body part or function, speech, eyesight, or hearing, your beneficiaries will receive benefits. Short - term disability protects your income during a short period of time due to illness or an accident not related to your job. Benefits begin on the 8 th day after an illness or accident. The policy will pay 60% of your weekly income up to $1,500 for 13 weeks. Long - term disability protects your income for an extended period of time . Benefits begin on the 91 st day after the date of the incident and will cover 60% of your earnings, up to $6,000/mont h. Employees have the option to purchase additional life insurance. Guarantee Issue:$100,000 Guarantee Issue = up to this amount, you do not have to fill out an EOI (Evidence of Insurability) form Maximum: $500,000 (may require an EOI) Spouse Benefit: Up to $250,000 not to exceed 100% of employee election; guarantee issue is $30,000. Child(ren) Benefit : $10,000. (Children age 6 months to 19 years or 25 if FT student) The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam.

This benefit provides a lump sum benefit when you or a family member have an accident. The money can be used for medical costs, personal costs, paying bills or however the member would like to use the funds. This benefit provides a lump sum benefit when you or a family member are diagnosed with a covered condition that you can use however you would like, including to help pay for treatment, prescriptions, travel, increased living expenses and more. This benefit provides financial protection if you or a family member have a hospital stay. The plan covers both injury and sickness, and surgery and anesthesia benefits are included.

Medical: 866 - 494 - 2111 | www.anglehealth.com Dental: 800 - 986 - 3343 | www.principal.com Vision : 800 - 986 - 3343| www.principal.com Basic Life, Voluntary Life and AD&D, STD, LTD: 800 - 423 - 2765 | www.lincolnfinancial.com Employee Assistance Program: 888 - 628 - 4824 | www.GuidanceResources.com User Name: LFGsupport Password: LFGsupport1 Health Savings Account & Health/Dependent Care FSA: 877 - 661 - 4727 | www.alerusrb.com | healthbenefits@alerus.com Voluntary Benefits: PSA Human Resources: 303 - 450 - 3444 | jgarcia@psasecurity.com