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Y O U RB E N E F I T SEffective January 1 - December 31, 2024

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required. Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. 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. If you have a qualifying life event Open Enrollment is your one chance each year toreview your coverage options and make changesto your benefits.Your choices are in effect from January –December of the following year unless you have aqualifying life event. At Open EnrollmentFor youYou are eligible for benefits as a full-timeemployee working at least 40 hours per week.Your Legal SpouseYour benefit plans are in effect January 1 –December 31 each year. In general, there arethree times you can make benefit selections:M A K I N G B E N E F I T S E L E C T I O N SGetting startedEligibility Enrolling in coverageYour benefits begin on the first day of the monthfollowing 30 days of employment; this is youreffective date. Be sure to submit your selectionswithin your first 30 days of benefitseligibility/within your first 30 days of employment. Your benefit selections will be in effect throughDecember 31. When you're first eligibleCovering your familyYou may also cover your eligible dependentswhen you elect coverage for yourself.Dependent children are eligible:Medical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 21, or 26 if afull-time studentYour Children

HOW TOENROLLAmerican Infrastructure Development has implemented an onlineenrollment system to help make your enrollment selections and collectrequired information for your benefits. You are requested to access youraccount now. Go to onedigital.employeenavigator.com to begin yourenrollment.Since you are a new user:1. Click on Register as a new user.2. Fill in the required fields. (List your name as it appears on your SS Card) The company identifier is: AmericanAID and click Next.3. Create a username and password. 4. Check the “I agree with the Employee Navigator terms of use” before you click “Finish”.5. Now you may Log in and click the green “Start Enrollment” button to begin your enrollment. 6. Follow each step until enrollment is complete. Completed sections will be marked with a checkmark. (Benefit Summaries and other plan information listed under Helpful Resources)7. Review all information on the Enrollment Summary screen for accuracy. Be sure to click the green "Complete/ Click to Sign” button in order to complete your enrollment session.Experiencing Problems?Please contact OneDigital Insurance at (813) 818-8805 orgcd.clientservice@onedigital.com.Mobile Friendly!Scan the QR code to go toEmployee Navigator now!

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the differencebetween what they charge and theamount your insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible fora percentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan startspaying deductible-eligibleexpenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for coveredin-network medical care in a year.This includes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor –usually a general practitioner(GP), family doctor, internist,OB/GYN, or pediatrician (forchildren).Pre-authorizationSome specialty services require aPrior Authorization from yourdoctor. These may include - butare not limited to surgery, andimaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you aboutcertain rights andresponsibilities you have as anemployee of AmericanInfrastructure Development, Inc. You can request a paper copy atno charge from:Name, TitlePhone/emailDownload nowH E L P F U L T E R M S & R E S O U R C E SWe've removed as much jargon as possible.Getting startedBut you’ll probably still encounter some terms as you enroll in and use yourbenefits, and we want you to be prepared!

Medical insuranceUnited HealthCare1-800-996-6596www.myuhc.comEmployee Assistance Program (EAP)MetLife Insurance Company1-844-880-9142www.lifeworks.comDental insuranceUnited HealthCare1-800-996-6596www.myuhc.comVision insuranceUnited HealthCare1-800-996-6596www.myuhc.comLife and AD&D insuranceMetLife Insurnace Company1-800-638-5433www.metLife.comVoluntary Life and AD&D insuranceMetLife Insurnace Company1-800-638-5433www.metLife.comShort-Term Disability Long-Term DisabilityMetLife Insurnace Company1-800-638-5433www.metLife.comWorksite BenefitsAccident & Critical Illness,Hospital Indemnity, PetInsurance, Legal InsuranceMetLife Insurnace Company1-800-638-5433www.metLife.com1-813-818-8805GCD.ClientService@onedigital.comMonday - Friday, 8am-5pm ESTBilingual (Spanish) assistance isavailableC O N T A C T I N F O R M A T I O NYour advocates at OneDigital Insurance are here to help you withclaims, ID cards, coverage questions, and more!Getting started

In-network careBased plan BTOF 282High plan BTGF 282Network name:Choice PlusChoice PlusAnnual Deductible (DED)Out-of-pocket maximum$3,000 per person $6,000 family max$7,150 per person $14,300 family max$1,500 single coverage $3,000 with dependents$3,000 per person $6,000 family maxPreventive carePrimary care visitSpecialist visitVirtual visit100% covered$15 copay$100 copay$ copay100% covered$25 copay$50 copay$0 copayUrgent careEmergency roomInpatient hospital care$25 copay$300+DED then you pay 20%DED then you pay 20%$75 copay$150 copayDED then you pay 0%Prescription drugsGeneric Preferred brand Non-preferred brand$10 copay $35 copay $60 copay $10 copay $35 copay$60 copay Out-of-network careCoinsuranceAnnual deductible Out-of-pocket maximum Balance billing applies50% / 50%$7,500 / $15,000 $15,000 / $30,000Balance billing applies80% / 20%$3,500 / $7,000$5,000 / $10,000Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$251.04$205.40$481.09Per paycheck$101.81$466.87$400.49$801.40The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates 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.See your plan details for out-of-network benefits.M E D I C A L I N S U R A N C EBoth plans cover in-network and out-network preventive care at 100%,Deductible, Coinsurance Copays and Prescription drugs, are includedon your annual limit on your expenses. The differences are: what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).Select from two medical options through United Healthcare.

MyUHC.com®MyUHC.com® is a personalized website that gives you secure access toyour health plan details. It is available via your computer, smartphone ortablet and features include: View coverage detail and access detailed claims informationView/Order ID cards and order/refill prescriptionsManage your HSA accountEstimate costs for network care and Find a ProviderVisit myuhc.com to register for online access.UnitedHealthcare® AppWith the UnitedHealthcare® App, you can access many of the resourcesavailable on myuhc.com from the convenience of your smartphone. TheUnitedHealthcare® App features include:Access claims informationView your health plan ID cardLocate a providerFind drugs & compare pricesCheck account balancesUHC RewardsYour health plan comes with a new way to earn up to $300! UHC Rewards isincluded in your health plan at no additional cost. There’s so much good toget with UHC Rewards, a variety of actions lead to rewards. Here are someways you can earn:Reach daily goalsTrack 5,000 steps or 15 active minutes each day, or double it for an evenbigger rewardTrack 14 nights of sleepComplete one-time reward activitiesGo paperlessGet a biometric screeningTake a health surveyConnect a trackerHealthy Pregnancy App & Maternity SupportThese program provide resources and support to help expectant mothersthroughout their pregnancies to get the most out of their benefits before,during, and after delivery. Download the United Healthcare HealthyPregnancy app and visit www.uhc.com/member-resources/health-care-programs/maternity-support to learn more.United Healthcare Wellness ResourcesTo get the most of your health care coverage, we encourage you totake advantage of the following member resources that areavailable to you. These resources can be accessed throughMyUHC.com® or through the UnitedHealthcare® App.Real AppealThe Real appeal weight-loss program utilizes evidence based weight-loss study data to help individuals consistently make small lifestylechanges necessary to lead them towards achieving long-term health andweight loss goals. Real Appeal uses highly interactive educationalvideos, live online coaching, as well as support and tracking tools toguide you in your efforts to lose weight and get healthy.Advocate4MeUHC’s Advocate4Me offers a support team dedicated to helping youbetter manage your health plan benefits. Get personalized assistancewith many of your common questions such as:Is this treatment covered and how much will this cost me?What does this charge mean on my bill? Can you explain my benefits and help my find a new provider?Virtual VisitWhen your primary care provider (PCP) isn’t available, UHC’s VirtualVisit allows you to securely connect with a licensed doctor at anytimeusing your smartphone, tablet or computer. Virtual Visit consultationscost the same as a PCP sick visit and doctors can treat common non-emergency health concerns such as: Cold/ or Flu, Pinkeye, Allergies,etc. Prescriptions are prescribed if appropriate. You can access UHC’sVirtual Visits by visiting myUHC.com or the UnitedHealthcare® App tolearn more.Designated Diagnostic ProviderDesignated Diagnostic Providers (DDP) are laboratory and imagingservice providers that meet certain quality and efficiency requirements.With your DDP benefit, you’ll have the highest level of coverage — andlikely save money — when you use a DDP for outpatient lab and imagingservices. If you don’t use a DDP, your services may receive a lower levelof coverage and you may be responsible for a higher out-of-pocket cost.Just look for the green check markTo find a lower-cost DDP near you, go to myUHC.com > Find Care& Costs > Medical Directory > Places.Choose whether you’d like lab or imaging services and then look forthe green check to confirm DDP status.

Dental plan - A7976Network name:United HealthCareIn-networkOut-of-networkAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,500 per person $1,500 per person Preventive care100% covered Basic careDED then you pay 20%DED then you pay 20%Major careDED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime max benefitNot coveredN/AYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$12.98$13.22$27.41Stay 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 summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates 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.D E N T A L I N S U R A N C EYou'll get in-network preventive care at 100% along withcoverage for basic and major dental services.Your dental coverage is through United HealthCare

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates 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.V I S I O N I N S U R A N C EYour vision coverage is through United HealthCare.You'll get an annual exam with coverage for lenses andframes, or contacts in lieu of glasses.Base planNetwork name:United HealthCareIn-networkOut-of-network (reimbursement)Annual eye exam (every 12 months)$10 copayN/AMaterials copay(lenses & frames)$25 copayN/ALenses (every 12 months)Included in materials copayUp to $40 / $60 / $80 Frames(every 12 months)$130 allowanceUp to $45 Contact lenses(every 12 months)Elective: $105 allowanceMed. nec: 100% coveredUp to $80Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$0.00$2.73$3.65$6.56Your 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.

Basic lifeBasic AD&DAmerican Infrastructure DevelopmentInc$25,000$25,000For youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000$10,000Coveragemaximum $500,00050% of employeecoverage amount100,000$10,000Medical question limit$100,000$25,000Does not applyWhat's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodily functions(sight, limbs, etc.)Medical question limitWhen you’re first eligible (a newhire), you can purchase lifeinsurance up to this limit withoutany medical questions required. Medical questions and approvalwill be required for all futureincrease and purchase requests.American Infrastructure Development Inc provides life and AD&Dinsurance at no cost to you.You may also purchase additional coverage for you, your spouse, and youreligible child(ren). Additional life and AD&D insurance through MetLifeLife insurance pays a benefit if you pass away while you'recovered. Accidental Death and Dismemberment (AD&D) insuranceoffers additional support if you pass away or are seriouslyinjured due to an accident.Financial peace of mind through MetLife L I F E A N D A D & DI N S U R A N C EMake sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.

Benefits beginAccident: After 14 days of inability to workIllness: After 14 days of inability to work Coverage amount60% of your income up to $1,500 per weekPayments may continueUp to 24 weeks if you’re unable to return to workPre-existing conditionlimitations If you make a disability claim withinthe first year of being covered, checkyour plan details to see how pre-existing condition limitations mightimpact your coverage.Benefits beginAfter 180 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $6,000 per monthPayments may continueUntil your Social Security Normal Retirement Age ifyou remain unable to work.Short-term disability coverage can replace part of your paycheck if you’reunable to work for a shorter period of time. At American InfrastructureDevelopment Inc this coverage is available for purchase.Short-term disabilityLong-term disability coverage can provide lasting income protection if youremain unable to work. American Infrastructure Development Inc provides this coverage at no cost to you.Long-term disabilityD I S A B I L I T Y I N S U R A N C EThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurancethrough MetLifeDisability coverage insures your paycheck, replacing aportion of your income if you’re unable to work due to acovered illness or injury.

Accident coverage through MetLife pays you a cashbenefit to help with your expenses –your deductibleor copays, transportation, groceries and more – ifyou or a covered family member is injured due to anaccident. The money is yours to use as you choose.Accident coverageCritical illness coverage through MetLife. pays you acash benefit to help with your expenses– yourdeductible or copays, transportation, groceries andmore – if you or a covered family member isdiagnosed with a covered critical illness. The moneyis yours to use as you choose.Critical illnessAdditional benefit plans are a great way tocustomize your benefits package.A D D I T I O N A LB E N E F I T O P T I O N SThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Pre-paid legal care through MetLife can provide youwith legal advice and consultation about various topicsat no added cost. Available topics include wills andestate planning, money and finances, driving or trafficmatters and more.Legal servicesSee plan detailsProtect your furry best friend with MetLife PetInsurance. You'll get access to licensed veterinarians forroutine care, emergencies, lab tests and wellness visits.Rates vary.Pet insuranceSee plan detailsHospital Indemnity coverage through MetLife pays youa cash benefit to help with your expenses - yourdeductible or copays, transportation, groceries andmore - if you or a covered family member is admittedto the hospital. The money is yours to use as youchoose.Hospital indemnitySee plan detailsSee plan detailsSee plan details

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