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YOUR BENEFITS FOR 2024BMC EMPLOYEESFOCUSING ON WHAT MATTERS VIEW ONLINE
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 22024 Bemis Benefits Open EnrollmentOctober 23–November 10, 2023At Bemis, we connue to evaluate and update our benets programs to oer health care opons to meet the diverse needs of our employees. The annual Benets Open Enrollment period is your me to:• Connect with your benets• Learn about what’s new, and• Choose the plans that best meet the needs of you and your familyThis year we are making some important changes that will impact how you choose and use your benets. It is more important than ever to read this guide carefully and aend an upcoming enrollment meeng. The guide will include ps, checklists, new steps you must take when using your medical benets, and enrolling in coverage under the plans. Our goal is to make it easy for you to understand, evaluate, and enroll in your benets.LINDA BLOOMER / Director Benets & PayrollWELCOME!
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 32024 OPEN ENROLLMENT November 10, 2023.Open Enrollment is your annual opportunity to review the benet opons available to you, think about any changes in your personal situaon, and make informed decisions that are right for you and your family. This guide will help you understand the changes being made to our plans for the coming year. We’ve also provided an Enrollment Checklist to help you through the decision-making process. If you sll have quesons, aend an open enrollment meeng. Watch for posted noces for dates and mes. Representaves from Cenvo will be at the meengs to answer your quesons about the new medical plans.The choices you make during benets Open Enrollment stay in eect all year, through December 31, 2024—unless you experience a qualied life event. If you experience a qualied life event, the change must be requested within 31 days of the event. See page 45 for details.See page 44 WHAT HAPPENS IF YOU DON’T ENROLL BY NOVEMBER 10, 2023?You will not be enrolled in the:• New vision plan through EyeMed.• Health Care FSA.• Dependent Care FSA.• Health Savings Account (you must be enrolled in the HDHP medical plan to contribute to this account). Elecons to the HSA are also permied during the year.You will automacally be re-enrolled in the following for 2024:• Your current medical and dental elecons will connue. You will have to choose a Primary Care Physician (PCP) and acvate under the new plan.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 42024 BENEFIT HIGHLIGHTSMedical PlansIntroducing Cenvo, our new medical plan administrator. Cenvo is an innovave medical plan administrator that provides high-quality care by working directly with local health care providers. We will connue to oer two medical plans for you to choose from, the Guided Care High Performance Plan (HPP) (formerly called PPO Plan) and the Guided Care High Deducble Health Plan (HDHP). With the new plans through Cenvo, you must choose a Primary Care Physician (PCP) to manage your care and guide you through the health care system to receive the highest level of benets. Learn more about Cenvo, how to choose a Primary Care Physician (PCP), and how our new plans work in the Medical Plan secon on pages 7–23 of this guide.• Deducbles, out-of-pocket maximums, and premiums are changing for the HPP and HDHP plans. Coverage levels are also changing for certain services. Refer to the Medical Plan secon for more details.• The primary care oce visit copayment under the Guided Care High Performance Plan (HPP) will be $5 (currently $30).• are not changing for 2024. Express Scripts will connue to be the prescripon drug administrator. • You will receive a new medical ID card from Cenvo and it should be used for both medical and prescripon drugs. Wellness Program A change is being made to the incenve that you receive if you complete the Wellness Program requirements and enroll in a Bemis medical plan. The new incenve will be in the form of a reduced monthly medical plan premium (contribuons to the HRA/HSA are no longer available). The deadline for meeng the requirements for the 2024 incenve was September 30, 2023. • Employees not enrolled in a Bemis medical plan in 2024 are eligible for a nal $450 HRA contribuon. • Refer to the Wellness Program Incenve secon, page 30 for informaon on the new requirements and deadlines for receiving the 2025 Wellness Program premium incenve.Dental PlanA new Evidence-Based Integrated Care Plan (EBICP) is being added to the dental plan. The EBICP allows for addional cleanings and topical uoride applicaons for certain medical condions.Orthodonc benets are being added for dependents under age 19.• Premiums are not changing for 2024.See pages 34-37 for details on these changes. Vision PlanA separate vision plan (outside of the medical plan) will be oered through EyeMed, eecve 1/1/2024. • The vision benet under the medical plan is changing. The new EyeMed vision plan replaces many of the vision benets you received under the medical plan, plus will oer many more incenves for your eye care needs. Make sure you understand the changes being made.• You need to make an elecon on your open enrollment form if you would like to have vision coverage through EyeMed.See pages 38-40 for informaon on the new plan. NEWConnued on next pageNEWNEWNEWNEW
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 52024 BENEFIT HIGHLIGHTSHealth Reimbursement Arrangement (HRA)Changes are being made to the HRA. The Plan will no longer be available at the end of 2026. Refer to the HRA secon for more informaon, including a new yearly minimum balance requirement to maintain an acve account prior to 12/31/2026.See pages 31-33 for details on this change. Health Care and Dependent Care Flexible Spending Accounts (FSAs)Do you typically have medical, prescripon, dental and vision expenses, or child care expenses that you pay out-of-pocket? Enrolling in a Health Care or Dependent Care FSA can help keep money in your pocket.• If you want to parcipate in the Health Care and/or Dependent Care Flexible Spending Accounts (FSAs), you must enroll for 2024. • The Health Care FSA will allow you to carry over up to a maximum of $610 from the 2023 plan year to 2024. See pages 32-33 for details on Flexible Spending Accounts. Health Savings Account (HSA)Enrolled in the High Deducble Health Plan? Take advantage of contribung to an HSA to save on your out-of-pocket costs or to save money for rerement.• To parcipate, make an elecon during open enrollment or at any me during the year. Contribuons to an HSA roll over year over year, which means no forfeitures.See pages 24-27 for details on the Health Savings Account.Pension PlanEecve 1/1/2024, a lump sum oponal form of payment will be available. The opon will only be available for commencements that begin on or aer this eecve date. Refer to the Pension Plan secon of this guide, page 41, for more details.NEED TO KNOWAre you enrolling your spouse in 2024? If so, be sure you understand the medical plan spousal provisions. Medical claims will not be paid for an enrolled spouse who does not meet the spousal criteria. See page 43 for details on Spousal Secondary Coverage and the denion of a Dependent.NEWNEW
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 6YOUR OPEN ENROLLMENT CHECKLISTBe Sure To Complete Your Enrollments By The November 10th DeadlineDo your prep work.• Are you making a change to the dependents you cover under your plans? Gather complete names and Social Security Numbers.• If you plan to cover a spouse, review the spousal provisions (page 43) of the medical plan to be sure your spouse meets the eligibility requirements. If you are adding a spouse to your medical coverage, you must complete a Spousal Medical Insurance Coverage Statement form. Contact HR-Corporate Benets to obtain a form. • Review the denion of a dependent (page 43) to be sure they are eligible under the medical, dental, and vision plans.Learn about the changes to the medical plan and the new • The current PPO plan is now called the Guided Care HPP Plan.• Review and compare both opons. Make elecon changes, if necessary. • You will have to choose a Primary Care Physician (PCP) to manage your health care with both plans. Check to make sure your PCP is in-network at .• Check to make sure you are enrolled in the correct coverage levels or do you want to waive coverage.• If necessary, add or cancel coverage for your spouse or dependents.• In January make sure you acvate your PCP with Cenvo. as your primary care provider. Learn about the new vision plan.• You will have to make an elecon to enroll in coverage. • Understand the changes to vision coverage under the medical plan.Save money by enrolling in a Health Care or Dependent Care Flexible Spending Account (FSA). • You must enroll each year to parcipate.Contribute to a Health Savings Account, if enrolled in the HDHP.• Take advantage of triple tax savings.• Be sure your beneciaries are up-to-date. Did you have a change in your marital status or a change in dependents? These events may be reasons to evaluate your beneciary designaons.• Consider increasing your contribuon percentage. Changes can be made at any me during the year. Use the tools on the Principal website to plan for and understand your rerement readiness.• Be sure to designate a beneciary for your account on the Principal website or by calling Principal Customer Service at 800-547-7754.• Watch for posted noces for dates and mes.• Representaves from Cenvo will be at the open enrollment meengs.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 7YOUR OPEN ENROLLMENT CHECKLISTThere are two medical plan opons available to benet-eligible BMC employees. Both plans are considered High Performance Plans (HPPs). When making your 2024 medical plan elecons, you can choose from:• The Cenvo Guided Care High Deducble Health Plan (HDHP)• The Cenvo Guided Care HPP Plan (formerly called PPO)Each Cenvo Guided Care medical plan gives you access to coverage for the same comprehensive range of services, including medical, hospital, behavioral health, and prescripon drugs (provided through Express Scripts).Both Guided Care medical plans require you to choose a Primary Care Physician (PCP) then acvate your choice with Cenvo for you and each of your dependents covered under the plan. Your PCP will guide your care and provide any necessary referrals; referring you to the right places and helping you to get quality, in-network specialists when needed. Certain services do not require a referral, such as behavioral health, OB/GYN, and urgent and emergency care. More informaon and a complete list of services not requiring a referral is available under the Medical Plan secon. Your PCP will monitor your care with all health care providers. Make sure you understand how the plans work to avoid addional out-of-pocket costs.The Guided Care HPP Plan provides a higher level of coverage and therefore, the monthly premiums are higher.The Guided Care HDHP provides the same type of benets as the HPP plan but may have higher out-of-pocket costs and therefore the monthly premiums are lower. To determine which plan is best for you, review and compare monthly premiums, deducbles, out-of-pocket maximums, the Medical Plan Comparison Charts, the claim examples, your family’s medical plan usage, the Summary of Benets and Coverage documents, and your interest in being able to contribute to a Health Savings Account (HSA) that provides signicant tax advantages. See pages 16-17 that is right for you and your family.MEDICAL PLANNEWUnder the new Guided Care medical plans you must choose a PCP for each person covered under your plan. The process of choosing a PCP is called Acvang. You acvate with Cenvo once the new plan year begins.There are higher out-of-pocket costs for not acvang or receiving the required referrals. Make sure you understand how the new plans work.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 8Cenvo will send you a Welcome Kit later in December which includes your medical ID card (this card will also be your prescripon drug ID Card), and instrucons on how to acvate (designate your PCP with Cenvo). Acvang is the process of selecng and designang your Primary Care Physician (PCP) with Cenvo. All covered family members need to acvate with a PCP, including dependents, for access to the highest levels under the plan. How it Works Primary Care Physician (PCP). There are three easy ways to create an account and acvate.• On the member portal at .• On the Cenvo app.• By calling Cenvo Member Care at 833-716-2159. Helpful Tips Before Activating • Check to see if your current PCP provider(s) is in-network. If you or your covered family members don’t have a PCP, or your PCP is no longer in-network, it’s important to establish a new relaonship as soon as possible.• Refer to the Searching for a Provider instrucons to look for in-network providers. Remember, the providers at the Everside Health clinic are considered in-network.• Have your medical ID card available and the dates of birth for all covered dependents available.• Refer to the instrucons How it Works to create a Cenvo account. To Activate Your Account Follow these instrucons to create a Cenvo account and acvate. You’ll need the informaon included in your Welcome kit.• Go to • Click “First me? Click here”• Enter Name, Date of Birth, ID number, and Zip Code• Enter email address and choose communicaon preference.• Create username and password.• Click Create Account, Verify Account, Login• Search for a doctor by name or enter your preferences to search by locaon, specialty, and gender.• Click “Choose this Provider” when you nd the doctor you want. • Connue this process for everyone covered on your plan (dependents). PCP Information Cenvo plans are built around a partnership between you and your personally selected Primary Care Team. It’s important that you and all covered family members have a Primary Care Provider (PCP) before you acvate your account. Begin the process now to check that your current provider is in-network under the new plans or establish a relaonship with a new PCP so that you receive care at the highest benet levels under the plans beginning in January. Care received at an in-network provider who is not your subject to higher out-of-pocket costs.The Bemis medical plans use the Cenvo WI-2 network which is comprised of high-quality providers including the providers at the Everside Health Clinics and Cenvo’s Virtual Primary Care Providers. Health systems included in the Cenvo WI-2 network include Ascension, Children’s Wisconsin, Froedtert, Hospital Sisters Health System (St. Nicholas Hospital), Independent Physicians Network, Medical College of Wisconsin, Prevea Health, and ProHealth Care. Searching for a Provider You can search for in-network providers online at or by calling Cenvo Member Care at 833-716-2159. Once the plan year begins and you create your account with Cenvo, you’ll access this informaon in the Cenvo app at or by Mobile App Information Once the new year begins, all Cenvo members have access to the Cenvo mobile app, a powerful tool to put all of your health plan informaon at your ngerps. Here’s how to download the app.• Download the app by texng DOWNLOAD to 65021, by vising your app store, or by going to .• Here are just some of the things you can do on the app: + Choose your primary care provider and acvate.+ Access a digital ID card.+ Search for in-network providers.+ View details about your plan coverage.+ View referrals.+ View your care history and Explanaon of Benets statements (EOBs).+ Send a message to Cenvo Member Care.MEDICAL PLANFOR QUESTIONS CONTACT:Cenvo Member Care 833-716-2159Monday–Friday: 7am to 8pm CT
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 9Deductible and Out-of-Pocket Maximum Changes to the High Performance Medical Plan (HPP)The annual deducbles will be changing as outlined in the table below, eecve January 1, 2024.Out-of-Pocket Maximums (OOPMs): The annual out-of-pocket maximums (OOPMs) will be changing as outlined in the table below, eecve January 1, 2024.Out-of-Pocket Maximums (OOPMs): The annual out-of-pocket maximums (OOPMs) will be changing as outlined in the table below, eecve January 1, 2024.Deductible and Out-of-Pocket Maximum Changes to the High Deductible Health Plan (HDHP)The annual deducbles will be changing as outlined in the table below, eecve January 1, 2024. Coverage level Current 2024 Current 2024Employee Only $625 $700 $875 $1,400Family* $1,325 $1,400 $1,825 $2,800HPP Guided Care In-Network OOPM** HPP Out-of-Network OOPMCoverage level Current 2024 Current 2024Employee Only $3,225 $3,500 $3,975 $7,000Family* $6,525 $7,000 $8,025 $14,000HDHP Guided Care In-Network OOPM** HDHP Out-of-Network OOPMCoverage level Current 2024 Current 2024Employee Only $3,200 $4,100 $3,950 $8,200Family* $6,400 $8,200 $7,900 $16,400 Coverage level Current 2024 Current 2024Employee Only $1,500 $1,600 $1,750 $3,200Family* $3,000 $3,200 $3,500 $6,400 * Family coverage is any coverage level other than Employee Only.** Your out-of-pocket costs (excluding deducble) for in-network unguided care will apply to the out-of-network out-of-pocket maximum, however, the total out-of-pocket maximum between in-network guided care and in-network unguided care will not exceed the ACA out-of-pocket maximum limits for essenal health benets.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 10CHANGES TO THE GUIDED CARE HIGH PERFORMANCE PLANSPerformance Plan (formerly the PPO) will have the following changes.• The oce visit copayment will be reduced from $30 to $5.• The following services will be subject to the deducble and coinsurance:+ Inpaent hospitalizaon and preadmission tesng.+ Outpaent surgery+ Claims associated with accidental injury+ Ambulance services+ Chemotherapy and Radiaon Therapy+ Inpaent Hospice professional services• The fourth quarter deducble carryover provision will be eliminated.• The insured spouse premiums for employee + insured spouse and employee + family (insured spouse) will no longer be available. Employees who cover a spouse as secondary on the Bemis medical plan will pay the premium for the applicable coverage level; employee + spouse or employee + family. will have the following changes:• Chiropracc care will no longer be subject to medical necessity. The 18 visits per calendar year limit remains.• Vision coverage: A new separate vision plan will be oered through EyeMed (requires an acve elecon during open enrollment). Coverage under the medical plan for vision will be limited to an exam (roune and diagnosc) and will be subject to the deducble and coinsurance. No coverage will be available for vision hardware.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 11Remember, the premiums you pay for medical coverage are only one factor to consider when deciding which plan is right for you. It’s important to evaluate each plan before you enroll. See pages 16-17 for information on How to Choose a Medical Plan.MEDICAL PLAN PREMIUMSPer the 2023 contract negoaons, the medical plan monthly premiums are listed below.The Wellness Program Incenve was changed to a Monthly Premium Incenve. To receive the lowest premiums under your elected plan, you must have met the Wellness Program requirements by the deadline (refer to the Wellness Program Incenve secon for details). When reviewing the premiums below, make sure you are looking at the chart based on your Wellness Program eligibility.COMPLETEDCoverage Level Guided Care HDHP Plan Guided Care HPP PlanEmployee Only $8 $78Employee + Spouse $58 $188Employee + Child(ren) $53 $168Family — Employee + Spouse + Child(ren) $73 $238NOT COMPLETEDCoverage Level Guided Care HDHP Plan Guided Care HPP PlanEmployee Only $50 $120Employee + Spouse $100 $230Employee + Child(ren) $95 $210Family — Employee + Spouse + Child(ren) $115 $2802024 Monthly and Annual Premium Comparison: HDHP Premium Savings versus the HPP Plan PremiumCoverage Level Monthly Savings Annual SavingsEmployee Only $70 $840Employee + Spouse $130 $1,560Employee + Child(ren) $115 $1,380Family — Employee + Spouse + Child(ren) $165 $1,980
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 12MEDICAL PLAN COVERAGE OVERVIEWThese charts compare the basic provisions of the Cenvo Medical Plan opons. The amounts shown in the tables reect your out-of-pocket cost for services unless otherwise indicated. PCP referrals are required for services except for urgent care; emergency care; OB/GYN care; behavioral health care; chiropracc care; physical, occupaonal, and speech therapy; alternave medicine covered by the plan; lab, x-rays, and other covered tests ordered by your designated primary care doctor or a specialist for which you had a referral, and pre-cercaon may be required depending on the diagnosc test.Coverage for in-network unguided care will be at the out-of-network benet levels (except for the deducble) and will apply to the out-of-network out-of-pocket maximum, however, the total combined out-of-pocket maximum between in-network guided care and in-network unguided care will not exceed the ACA out-of-pocket maximum limits for essenal health benets. * In-Network and Out-of-Network deducble and Out-of-Pocket maximums accumulate separately.** Retail pharmacy 90-day supply available at 3x the 30-day supply cost.All covered benets are subject to medical necessity as determined by the claims administrator. In-Network Guided Care Out-of-NetworkAnnual Deducble* (Family coverage is any coverage level other than Employee Only). No Individual cap appliesIndividual: $1,600Family: $3,200Individual: $3,200Family: $6,400Annual Out-of-Pocket Maximum* (Family coverage is any coverage other than Employee Only). Individual cap appliesIndividual: $4,100Family: $8,200Individual: $8,200Family: $16,400Coinsurance 25% 45%Prevenve Care (per ACA guidelines) Covered at 100%; deducble does not apply Deducble; then 45% coinsurancePCP Oce Visit (includes mental health oce visits and virtual or telephonic visits)Deducble; then 25% coinsurance Deducble; then 45% coinsuranceCenvo Virtual Primary Care Visits $0; deducble does not apply N/ASpecialist Oce Visit Deducble; then 25% coinsurance Deducble; then 45% coinsuranceLab and X-rays Deducble; then 25% coinsurance Deducble; then 45% coinsuranceOutpaent Surgery Deducble; then 25% coinsurance Deducble; then 45% coinsuranceInpaent Hospitalizaon (including Mental Health & Chemical Dependency)Deducble; then 25% coinsurance Deducble; then 45% coinsuranceUrgent Care Deducble; then 25% coinsuranceDeducble; then 45% coinsurance In-network benets apply if out of area.Emergency Room (copay waived if admied)Deducble; then 25% coinsurance + $200 copayIn-network deducble; then 25% coinsurance + $200 copayAmbulance Deducble; then 25% coinsuranceIn-network Deducble; then 25% coinsuranceChiropractor (limited to 18 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceDurable Medical Equipment Deducble; then 25% coinsurance Deducble; then 45% coinsuranceHome Health Care (maximum 40 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceMental Health and Chemical Dependency: Outpaent Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (occupaonal, physical, speech, respiraon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (chemotherapy and radiaon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceVision Exam Deducble; then 25% coinsurance Deducble; then 25% coinsurancePrescripon Drugs (In-Network medical deducble and out-of-pocket maximum applies)Retail Pharmacy (Up to a 30-day supply)** Mail Order (31 to 90-day supply)Generic Deducble; then $10 copay Deducble; then $10 copaySingle-Source Brand 25% aer deducble 25% aer deducbleMul-Source Brand 30% aer deducble 30% aer deducblePrevenve Prescripon Drugs covered under the Aordable Care Act (ACA) are covered at 100%. Covered prescripon drugs that are listed on the Express Scripts CDH Prevenve Medicaons—Standard Plus list are covered without deducble. Only the applicable copayment or coinsurance will apply.The SaveOnSP program is not available.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 13 * In-Network and Out-of-Network deducbles and Out-of-Pocket maximums accumulate separately** Retail pharmacy, 90-day supply available at 3x the 30-day supply cost.All covered benets are subject to medical necessity as determined by the claims administrator. In-Network Guided Care Out-of-NetworkAnnual Deducble* (Family coverage is any coverage level other than Employee Only) Individual cap appliesIndividual: $700Family: $1,400Individual: $1,400Family: $2,800Annual Out-of-Pocket Maximum* (Family coverage is any coverage other than Employee Only) Individual cap appliesIndividual: $3,500Family: $7,000Individual: $7,000Family: $14,000Coinsurance 25% 45%Prevenve Care (per ACA guidelines) Covered at 100% Deducble; then 45% coinsurancePCP Oce Visit (includes mental health oce visits and virtual or telephonic visits)$5 copay per visit Deducble; then 45% coinsuranceCenvo Virtual Primary Care Visits $0; deducble does not apply N/ASpecialist Oce Visit Deducble; then 25% coinsurance Deducble; then 45% coinsuranceLab and X-rays Deducble; then 25% coinsurance Deducble; then 45% coinsuranceOutpaent Surgery Deducble; then 25% coinsurance Deducble; then 45% coinsuranceInpaent Hospitalizaon (including Mental Health & Chemical Dependency)Deducble; then 25% coinsurance Deducble; then 45% coinsuranceUrgent Care Deducble; then 25% coinsuranceDeducble; then 45% coinsurance In-network benets apply if out of areaEmergency Room (copay waived if admied)Deducble; then 25% coinsurance + $200 copayIn-network deducble; then 25% coinsurance + $200 copayAmbulance Deducble; then 25% coinsurance Deducble; then 45% coinsuranceChiropractor (limited to 18 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceDurable Medical Equipment Deducble; then 25% coinsurance Deducble; then 45% coinsuranceHome Health Care (maximum 40 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceMental Health and Chemical Dependency: Outpaent Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (occupaonal, physical, speech, respiraon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (chemotherapy and radiaon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceVision Exam Deducble; then 25% coinsurance Deducble; then 25% coinsurancePrescripon Drugs (In-Network medical deducble and out-of-pocket maximum applies); excludes SaveOnSP drugsRetail Pharmacy (Up to a 30-day supply**) Mail Order (31 to 90-day supply)Generic $10 copay (no deducble) $10 copay (no deducble)Single-Source Brand 25% aer deducble 25% aer deducbleMul-Source Brand 30% aer deducble 30% aer deducblePrevenve Prescripon Drugs covered under the Aordable Care Act (ACA) are covered at 100%. SaveOnSP Specialty Pharmacy Copay Assistance Program. Applies to specialty drugs on the SaveOnSP list. 30% coinsurance does not apply towards sasfying deducbleEnrolled in SaveOnSP $0 SaveOnSP monitors for no costNot enrolled in SaveOnSP 30% coinsurance (does not count towards sasfying your deducble or OOPM)MEDICAL PLAN COVERAGE OVERVIEW
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 14Telehealth care for urgent care or Talk Therapy (must be age 18+ for Talk Therapy) will be available through Walmart Health Virtual Care. Walmart Health offers telehealth medical care with convenient and quick access to a provider by video or phone. Medical care is available 24/7/365 and therapy visits can be scheduled in as few as 72 hours. You’ll be connected to a licensed, board-certified provider. There is no cost for Walmart Health Virtual Care. The benefits of Telehealth include on-demand consultations with licensed, board-certified local providers, and avoiding costly emergency room or urgent care visits for minor conditions. Medications (if needed) can be prescribed and sent to your local pharmacy.TELEHEALTH VIRTUAL CARE PROVIDER WALMART HEALTH VIRTUAL CAREVIRTUAL TALK THERAPY SERVICESNEWWalmart Health Virtual Care can provide much-needed behavioral health care through talk therapy in the comfort and privacy of your home. Licensed professional counselors, clinical social workers, licensed marriage and family therapists, and other equivalent licensed professionals are available to help treat conditions such as ADD/ADHD, addiction, anxiety, depression, and other mental health disorders. • You can read bios and schedule a visit with a provider that matches your needs.• Access a therapist in as few as 72 hours.• Develop a treatment plan with your therapist by the second visit.• Check in on progress via follow-up visits with the same therapist for ongoing care.Access via the Centivo Health Hub to start using your Virtual Care benefits. How it Works • Access Walmart Health Virtual Care from the Centivo app or my.centivo.com.• Select Health Hub at the top of the screen.• Select Medicine—Walmart Health Virtual Care (you will already be signed in).You should always access Walmart Health Virtual Care from the Cenvo Health Hub in the Cenvo app or member portal to ensure your benet is appropriately applied. Your access link is unique to you and will not work if copied and pasted.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 15The Bemis medical plans (Guided Care HDHP and Guided Care HPP Plans) oer a voluntary second opinion program to help you achieve the best outcomes for your care. You have an exclusive membership to 2nd.MD from Accolade; a virtual expert medical consultaon and navigaon service. The service is condenal, fast, and no addional cost to you. You will be connected with a board-cered, elite specialist for a virtual expert medical consultaon via phone or video from the comfort of home.2nd.MD from Accolade specializes in medical certainty by providing access to elite specialists for quesons about:• Diseases, cancer, or chronic condions• Surgeries or procedures• Medicaons and treatment plansWhen dealing with illness, injury or chronic pain, 2nd.MD makes it easy to get a virtual expert medical consultaon from the best in medicine. 2nd.MD can help when you have medical quesons like:• Do I have the right diagnosis?• Am I on the best treatment path and medicaons?• Is this surgery or procedure the best opon for me?Millions of paents are on a subopmal treatment plan or are misdiagnosed each year. 2nd.MD experts are industry leaders across hundreds of subspeciales and thousands of condions like:• Knee, hip, ankle surgery• Cancer• Heart disease & stroke• Digesve problems• Women’s health (pregnancy, ferlity, menopause)• Immunological disorders (type 1 diabetes, rheumatoid arthris)• Mental health issues• And many more!SECOND OPINION PROGRAM97%of users would recommend 2nd.MD to family or friends*87%of 2nd.MD consults result in improved treatment plans*33%of 2nd.MD consults lead to an alternate diagnosis** 2nd.MD’s Book of Business Stascs 2020 How it Works 1. Acvate your account and request a consult. Visit 2nd.md/Bemis, download the 2nd.MD app via App Store or Google Play, or call 866-841-2575.2. Speak with a nurse. Just explain your medical issues and an experienced nurse will handle the rest, including collecng medical records and connecng you with a leading specialist who is an expert in your condion.3. Consult with a leading specialist. Get informaon about your diagnosis, treatment plan, and next steps in care from a naonally recognized specialist. Consult via video or phone at a me that works best for you, including evenings and weekends!Aer your consultaon you will receive a wrien summary of your consultaon so you’re prepared for a conversaon with your treang doctor or, 2nd.MD can refer you to another in-network doctor in your area.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 16 New Plans: Both Guided Care medical plans require you to choose a Primary Care Physician (PCP) (called acvang) for you and each of your dependents covered under the plan. Your PCP will guide your care and provide any necessary referrals; helping you get to quality, in-network specialists when needed (see below for certain services that do not require a referral). Your PCP will monitor your care with all healthcare providers. Make sure you understand how the plans work to avoid addional out-of-pocket costs. Choosing your medical plan is an important decision; take the me to read all of the informaon in this open enrollment guide and aend an open enrollment meeng so you can make an informed decision. Bemis oers two medical plans—the Guided Care High Deducble Health Plan (HDHP) and the Guided Care High Performance Plan (HPP). Both plans are administered by Cenvo and use the Cenvo WI-2 network. Both of the Guided Care plans: HDHP and HPP (formerly called the PPO Plan), require you to choose a Primary Care Physician (PCP) to manage your care and obtain any required referrals. When you need care outside of your PCP, your physician will refer you to quality in-network specialists. Cenvo will ask you to Acvate your PCP in January. See pages 7-8 in this guide for details on choosing your PCP and Acvang with Cenvo for the highest level of benets. If you do not acvate with a PCP or do not receive the required PCP referrals, you will have higher out-of-pocket costs. Refer to the Medical Plan Coverage Overview charts and the Summary of Benets Coverage documents for informaon on how benets are covered.Services Not Requiring a Referral• Urgent care• Emergency care• OB/GYN care• Behavioral health care• Chiropracc care• Physical, occupaonal, and speech therapy• Alternave medicine covered by the plan• Lab, x-rays, and other covered tests but your designated primary care doctor or a specialist for which you had a referral must order these services, and pre-cercaon may be required depending on the diagnosc test.What Happens if I Don’t Get the Required Referrals for In-Network Care or Don’t Use If you DO NOT obtain the required PCP referrals, or see a PCP other than the one you acvated with Cenvo, you will have higher out-of-pocket costs even if you used an in-network provider. If you see an in-network provider without a PCP referral, or see a PCP who you have not acvated, your coverage will be at the out-of-network benet levels (except for the deducble) and will apply to the out-of-network out-of-pocket maximum.* * The total combined out-of-pocket maximum between in-network guided care and in-network unguided care will not exceed the ACA out-of-pocket maximum limits for essenal health benets.CHOOSING YOUR MEDICAL PLANMake sure you understand the not receiving the required PCP referrals or seeing a PCP that you an in-network provider. There are higher out-of-pocket costs.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 17Plan Feature HDHP HPP Plan ConsiderationsMonthly PremiumsLower than the HPP PlanHigher than the HDHPThe HDHP has lower monthly premiums than the HPP Plan. This is one consideraon when deciding which plan is best for you and your family. If you choose the HDHP, it is recommended that you contribute the dierence in premiums to your Health Savings Account for future out-of-pocket expenses or saved for health care expenses in rerement.Health Savings Account (HSA)Make pre-tax contribuons to the HSA through payroll deduconsNot availableAn HSA allows for triple-tax savings. Contribuons are pre-tax, earnings grow tax-free, and funds can be used for eligible expenses or saved as part of your rerement health strategy. The funds are yours to keep.Health Reimbursement Arrangement (HRA)Not availableA new Wellness Program Incentive is available and no further contributions are being made to the HRA for medical plan participants beginning in 2024.Refer to the HRA and Wellness Program Incenve secons of this guide for the important changes made to these benets and how they impact you. Deductible/Out-of-Pocket Maximum (OOPM)Deductibles and OOPMs are higher than the HPPDeductibles and OOPMs are lower than the HDHPThe deducble and the out-of-pocket maximums are lower in the HPP Plan. Based on your ancipated claims, are you comfortable with the higher deducble and OOPM, if enrolling in the HDHP?Consider the lower HDHP premiums and the ability to take advantage of a Health Savings Account.Family caps on Deductible and Out-of-Pocket MaximumIndividual cap only applies to the OOPMIndividual caps apply to the deductible and OOPMPlan CoverageBoth plans cover the same health care services (office visits, prescriptions, hospitalizations, etc.), just at different benefit payment levels such as deductibles and coinsurance.Things to Consider When Choosing Your Medical PlanConsider the following when you are deciding between the Guided Care HDHP and the Guided Care HPP plans:1. Factor in more than your monthly contribuon when thinking about cost. Consider copays, coinsurance, and deducbles. 2. Consider how, and how oen, you use health care services.3. Look ahead to the coming year. Thinking of having a baby? Any planned surgeries in the coming year? What medicaons do you take on a regular basis?4. Your ability or comfort level to pay for health care expenses up to the plan out-of-pocket limit—should that situaon occur.5. Triple tax-advantaged savings oered by the Health Savings Account (HSA)—available with the HDHP giving you a way to save for health care costs now and in the future.Be sure to read through this guide and review the Medical Plan Coverage Overview charts, and the Summary of Benets and Coverage documents to understand the dierences in how benets are paid.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 18 Health Plan (HDHP)The Guided Care HDHP can be paired with a Health Savings Account (HSA)—a powerful tax-advantaged savings tool. The Guided Care HDHP along with a HSA is designed to give you more control over your health care decisions. You decide whether to pay for your health care expenses with funds in your HSA or out-of-pocket, saving the money in your account for another day. See pages 24-27 in this guide for details on Health Savings Accounts.How the HDHP Health Plan WorksTo help you understand how the plan works so you can make an informed decision regarding your medical plan elecon for 2024, please read through all of the following informaon regarding the HDHP and the Health Savings Account opon.In order to be considered a qualied plan for purposes of contribung to a Health Savings Account, the plan is required to meet certain criteria. This includes the deducble, out-of-pocket maximum, and how the plan pays for benets it covers. Connue reading to understand how the HDHP works. You should also review the two Medical Plan Coverage Overview charts in this guide and the Summary of Benets and Coverage documents.The HDHP requires that all covered services be applied to the deducble before any benets are paid by the plan. You will pay for covered services up to the full annual deducble (employee only or family coverage) before the plan begins to pay. This includes prescripon drugs and services provided at Everside Health and the Health and Wellness Center (HWC). There are some excepons to this rule which are idened under Excepons. Once the annual deducble is met, the plan will pay for covered services at the applicable coinsurance or copay level unl you reach the out-of-pocket maximum. Prevenve services are covered at 100%. If you have family coverage (any coverage level other than employee only), you are required to meet the full family annual deducble before the plan begins to pay. There is no individual cap. For example, if only one person within the family incurs claims, the full family annual deducble must be met before the plan will begin to pay. If more than one person in the family incurs claims, all the claims are accumulated together unl the family annual deducble is met. This is dierent from the HPP plan which allows for each member in a family plan to have an individual deducble cap. Once the deducble has been met, the plan will pay at the applicable coinsurance level for each individual unl the out-of-pocket maximum is met.Annual Out-of-Pocket MaximumThe HDHP annual out-of-pocket maximum works similar to the HPP plan. All covered services under the plan that you pay for out-of-pocket will apply to the annual out-of-pocket maximum. This includes your deducble, coinsurance, and copayments for both medical and prescripon drugs. Once the annual out-of-pocket maximum is met, the plan will pay for covered services at 100% for the remainder of the plan year. The annual out-of-pocket maximum allows for an individual cap on family coverage, same as the HPP.If you have family coverage (any coverage level other than employee only), each family member will be capped at the employee only out-of-pocket maximum. Once a covered family member meets the employee only out-of-pocket maximum, the plan will pay for covered services at 100% for that family member. The claims for each individual in the family will accumulate together unl the full family out-of-pocket maximum is met. Once the full family out-of-pocket maximum is met, the plan will pay for covered services at 100% for the remainder of the plan year for all covered family members.All covered services must be applied to the deducble before the plan will begin to pay. This is true for prescripon drugs including generic prescripons. It’s important that you are aware of the cost of any prescripons that you take as you will pay 100% of the cost unl the annual deducble has been met. Once the deducble has been met, the plan will pay for prescripons based upon the coverage er they are in (i.e., generic, single-source brand, mul-source brand). There are some excepons to this rule which are idened under Excepons on the following page. Prescripons covered under the Aordable Care Act (ACA) are covered at 100%.In addion, covered prevenve prescripon drugs listed on the Express Scripts CDH Prevenve Medicaons—Standard Plus list are covered without a deducble. Only the applicable copayment or coinsurance will apply. Lists are available by contacng Human Resources—Corporate Benets. It is also available on the Bemis intranet.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 19Everside Health and the Health and Wellness Center (HWC)The services at the Everside Health clinic and the Bemis Health and Wellness Center are also subject to the deducble. This includes the services provided by Everside Health and physical therapy and diean services provided by Prevea.However, prevenve services are covered at 100% and are not subject to the deducble. Once you have met the annual deducble, services at the HWC will be covered at 100%. Refer to the Health and Wellness Center (HWC) secon for cost of services.Everside HealthWhen you receive services from an Everside Health provider, you will be asked for your medical ID card. Your ID card will idenfy you as an HDHP parcipant. The sta at the HWC will be able to verify with Cenvo if your deducble has been met at the me of your visit.If applicable, Everside will send you a bill for your visit and submit a claim to Cenvo so that your payment can be applied to your deducble. Once you have met your deducble, any future HWC services will be covered at 100%. Prevea (Physical Therapy or When you receive services from Prevea, you will be asked for your medical ID card. Your ID card will idenfy you as a HDHP parcipant. You will be required to pay for your physical therapy or diean services at the me of your appointment. You can use your HSA debit card, a credit card, or a personal check. If you have already met your deducble, it will be necessary to provide a copy of your Explanaon of Benets showing the deducble has been sased. Once you have met your deducble, any future HWC services will be covered at 100%.In general, you must sasfy your deducble before the plan will begin to pay for covered services. The following excepons to this rule apply:• Prevenve care is covered at 100%.• Prevenve prescripon drugs covered under the Aordable Care Act (ACA) are covered at 100%.• Covered prescripon drugs that are listed on the Express Scripts CDH Prevenve Medicaons—Standard Plus list are covered at their applicable copayment or coinsurance level. They are not subject to the deducble. Refer to the Express Scripts Consumer Directed Healthcare (CDH) Prevenve Medicaons—Standard Plus list. To obtain a copy of the list, contact Human Resources—Corporate Benets. It is also available on the Bemis intranet. Covered services not listed above are subject to the deducble before the plan begins to pay.• Walmart Health Virtual Care (Urgent Care and Talk Therapy) are covered at 100%. You must access these services through the Centivo app or website for 100% coverage.Under the HDHP, the plan will coordinate benets with other plans on a non-duplicang basis. In addion, internal coordinaon of benets is not available. You are eligible to enroll as an employee or a dependent, but not both.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 20The Guided Care HPPThe Guided Care HPP allows for services to be covered dierently than the HDHP. Some of the coverage levels under the HPP do not apply to the deducble. For example, the oce visit copayment and generic prescripon drugs. You can compare the coverage level dierences between the HDHP and the HPP plan by reviewing both of the Medical Plan Coverage Overview charts and the Summary of Benets and Coverage documents. The HPP is not considered a qualied plan for purposes of contribung to a Health Savings Account, however, you can contribute to a Health Care Flexible Spending Account (FSA) to take advantage of paying for out-of-pocket medical expenses with pre-tax dollars. More informaon on FSA’s is covered later is this guide.How the HPP WorksThe HPP plan provides an individual cap on deducbles and out-of-pocket maximums for family coverage levels. All family members contribute towards sasfying the full family deducble and out-of-pocket maximum.The HPP plan provides an individual cap on deducbles for family coverage (all coverage levels other than employee only). This means that the plan caps each family member at the employee only deducble amount. Once the employee only deducble has been met, the plan pays at the applicable coinsurance level for that family member. All family members contribute towards sasfying the full family deducble. Once the full family deducble has been sased, the plan pays at the applicable coinsurance level for all covered family members.Annual Out-of-Pocket MaximumThe annual out-pocket maximum also has an individual cap for family coverage levels (all coverage levels other than employee only). This means that the plan caps each family member at the employee only out-of-pocket amount. All family members contribute towards sasfying the full family out-of-pocket maximum. Once the full family amount has been sased, the plan pays 100% for covered services for all covered family members.The HPP provides for prescripon drug coverage through Express-Scripts. Your cost sharing for prescripons will be based on the prescripon you ll; generic, single-source brand, mul-source brand, or specialty. Refer to the Medical Plan Coverage Overview chart and the Summary of Benets and Coverage document for how the plan covers prescripon drugs. The plan oers certain specialty drugs through the SaveOnSP Specialty Pharmacy Copay Assistance Program. If you are taking a prescripon that is on the SaveOnSP list and enroll in SaveOnSP, your prescripon will be covered for no cost. If you choose not to enroll in SaveOnSP, you will be required to pay a 30% coinsurance and the amount you pay will not count toward sasfying any out-of-pocket costs. Everside Health and the Health and Wellness Center (HWC)Services at Everside Health and the Bemis Health and Wellness Center are available to you and dependents you cover under the Bemis medical plan without costs. Refer to the Health and Wellness Center (HWC) for more informaon.HOW THE HPP WORKS
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 21Annual HDHP Premium Savings added to above claims exampleTotal Cost Comparison BMC Employee HPP HDHPHDHP lower annual premium cost N/A $840HDHP higher claims out-of-pocket N/A $225Lower total cost of HDHP Plan: $615CLAIM EXAMPLE 2 (Employee Only Coverage) Assumptions: Incurs claims totaling $3,500.Out-of-Pocket Claims Cost HPP HDHPClaim Amount $3,500 $3,500Plan Pays $2,100 $1,425Employee ResponsibilityDeductible $700 $1,600Coinsurance $700 $475Total $1,400 $2,075HDHP out-of-pocket cost is $675 higher than HPPAnnual HDHP Premium Savings added to above claims exampleTotal Cost Comparison BMC Employee HPP HDHPHDHP lower annual premium cost N/A $840HDHP higher claims out-of- pocket N/A $675Lower total cost of HDHP Plan: $165CLAIM EXAMPLE 1 (Employee Only Coverage) Assumptions: Incurs claims totaling $1,000.Out-of-Pocket Claims Cost HPP HDHPClaim Amount $1,000 $1,000Plan Pays $225 $0Employee ResponsibilityDeductible $700 $1,000Coinsurance $75 $0Total $775 $1,000HDHP out-of-pocket cost is $225 higher than HPPMedical Plan Claim Comparisons Between the HDHP and the HPPThe tables that follow provide examples of the total cost dierence between the two plans for individuals with dierent health care needs. They do not consider costs for prescripon drugs, services at the HWC, and services in the HPP Plan that have coverage levels other than deducble and coinsurance. The examples also show the dierence in costs between the HPP and HDHP plans when the premium savings are taken into consideraon.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 22CLAIM COMPARISONSAnnual HDHP Premium Savings added to above claims exampleTotal Cost Comparison BMC Employee HPP HDHPHDHP lower annual premium cost N/A $840HDHP higher claims out-of-pocket N/A $600Lower total cost of HDHP Plan: $240CLAIM EXAMPLE 3 (Employee Only Coverage) Assumptions: Incurs claims totaling $15,000.Out-of-Pocket Claims Cost HPP HDHPClaim Amount $15,000 $15,000Plan Pays $11,500 $10,900Employee ResponsibilityDeductible $700 $1,600Coinsurance $2,800 $2,500Total $3,500 $4,100HDHP out-of-pocket cost is $600 higher than HPPAnnual HDHP Premium Savings added to above claim exampleTotal Cost Comparison BMC Employee HPP HDHPHDHP lower annual premium cost N/A $1,980HDHP higher claims out-of-pocket N/A $225Lower total cost of HDHP Plan: $1,755CLAIM EXAMPLE 4 (Family Coverage) Assumptions: One person incurs claims totaling $1,000.Out-of-Pocket Claims Cost HPP HDHPClaim Amount $1,000 $1,000Plan Pays $225 $0Employee ResponsibilityDeductible $700 $1,000Coinsurance $75 $0Total $775 $1,000HDHP higher claims out-of-pocket: $225In all the family examples, you’ll also see that the premium dierence between the plans is much greater than the Employee Only coverage examples. The premium dierence amount will vary between family coverage levels (Employee + Spouse, Employee + Children, Family). You should factor this in when making your own comparisons based on the family coverage level you enroll in, as the results will vary.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 23CLAIM COMPARISONSAnnual HDHP Premium Savings added to above claim exampleTotal Cost Comparison BMC Employee HPP HDHPHDHP lower annual premium cost N/A $1,980HDHP higher claims out-of-pocket N/A $1,875Lower total cost of HDHP Plan: $105CLAIM EXAMPLE 5 (Family Coverage) Assumptions: One person incurs claims totaling $3,500.Out-of-Pocket Claims Cost HPP HDHPClaim Amount $3,500 $3,500Plan Pays $2,100 $225Employee ResponsibilityDeductible $700 $3,200Coinsurance $700 $75Total $1,400 $3,275HDHP higher claims out-of-pocket: $1,875Annual HDHP Premium Savings added to above claim exampleTotal Cost Comparison BMC Employee HPP HDHPHDHP lower annual premium cost N/A $1,980HDHP higher claims out-of-pocket N/A $600Lower total cost of HDHP Plan: $1,380CLAIM EXAMPLE 6 (Family Coverage) Assumptions: One person incurs claims totaling $15,000.Out-of-Pocket Claims Cost HPP HDHPClaim Amount $15,000 $15,000Plan Pays $11,500 $10,900Employee ResponsibilityDeductible $700 $3,200Coinsurance $2,800 $900Total $3,500 $4,100HDHP higher claims out-of-pocket: $600
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 24Bemis partners with WEX Health to administer your Health Savings Account (HSA). Your pre-tax payroll contribuon will be deposited into an account that WEX Health opens for you.If you newly enroll in the Bemis Guided Care HDHP medical plan and elect to contribute to a Health Savings Account (HSA) through pre-tax contribuons, you can expect the following and will want to make sure you do your part to make sure your account is set up to accept your contribuons. • Your account will be opened eecve January 1, 2024. • Contribuons to your account will occur with your rst paycheck in January if all of the account requirements are met.• You will receive an email from WEX Health with informaon to log in to your account online.• WEX Health must adhere to the USA Patriot Act and do a vericaon process before opening your account. They will contact you if they require more informaon.Once your account is open, you can manage your account online at wexinc.com.WEX HEALTH AND YOUR HEALTH SAVINGS ACCOUNTIMPORTANT Be sure to accept the terms and condions of opening an account. Provide an email address on your 2024 Benets Open Enrollment form under the HSA Elecon to receive important informaon about your account. If you don’t provide an email, you’ll have to contact WEX Health directly for your account login informaon.FOR QUESTIONS CONTACT:WEX Health866-451-3399Monday–Friday: 8am to 9pm CTcustomerservice@wexhealth.comwexinc.comWEX, Inc. App
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 25An HSA is a personal tax-advantaged savings account that allows you to make pre-tax contribuons and then use the funds to pay for eligible out-of-pocket health expenses (medical, dental, and vision) not covered by other insurance. With the HSA’s triple tax advantage, you save on taxes three mes:• Your contribuons are deducted pre-tax from your paycheck.• You can invest the money in your account once you meet a minimum balance and earnings on your investment are tax-free.• Your withdrawals to pay for eligible health care expenses are also tax-free.Who Owns the Account?You do! Funds le in your account at the end of the year roll over to the next year. There is no “use it or lose it” rule. The account is completely portable. You can take the funds with you, even if you enroll in a dierent medical plan, rere, or leave Bemis. You are responsible for your account including the contribuons and distribuons. Eligibility In order to contribute to an HSA account through pre-tax payroll deducon, you must:• Parcipate in the Bemis Guided Care HDHP medical plan.• Not be covered under another medical plan that is not a qualied High Deducble Health Plan.• Not be parcipang in a tradional Health Care Flexible Spending Account (FSA) or general-purpose Health Reimbursement Account (HRA).+ Includes FSA and HRA plans oered by your spouse’s employer.+ You are able to contribute to a Limited Purpose FSA or HRA which allows for reimbursement for dental and vision expenses only.• Not be claimed as a dependent on another person’s tax return (spouses are not considered dependents).• Not be enrolled in Medicare Parts A and/or Part B or D. The IRS does not allow contribuons to an HSA once you enroll in Medicare. If you are or will be turning age 65, contact your tax advisor to discuss your ability to contribute to your HSA. It’s important to understand your Medicare eecve date, if you are planning to rere and contribung to an HSA.Your HSA can be a part of your rerement health care planningbecause you can save the funds to use on health care expenses in rerement.NEED TO KNOWIt is your responsibility to make sure you are eligible to contribute to an HSA. Eligibility is measured on the rst day of every month on or aer the Guided Care HDHP coverage takes eect.There are tax consequences for contribung if you are not eligible. Check with your tax advisor.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 26Managing Your HSA AccountWhen you open an HSA, you have control and responsibility for managing your account, including any investments. You choose how and when to spend the funds in your account. You don’t have to spend the money each year. The funds roll over year aer year and you can let the money grow tax-free.NEED TO KNOWSave your receipts. The IRS may require proof that your HSA funds were spent on qualied medical expenses. For a full list of qualied expenses, see IRS publicaon 502.Contributions for 2024You Decide ToUse it Now Save and Invest for LaterYou contribute through pre-tax payroll deducons, up to the limit set by the IRS.*Use the funds in your account to pay for qualied health care expenses.Save and invest the funds to pay for future health care costs, even in retirement.2024 Limits are:$4,150 Employee Only$8,300 FamilyIf you are age 55 or older, you can make an additional catch-up contribution of $1,000.*IRS limits are subject to change.Each year the IRS issues Health Savings Account (HSA) contribuon limits. When you incur a qualied health care expense during the year, you decide to use the HSA funds now or save them for later.If you are a new hire or have experienced a qualied status change and elect to parcipate in the Guided Care HDHP medical plan, your HSA annual limits are prorated based on the number of months you are parcipang in the plan. Example: If you enroll in the Guided Care HDHP plan (employee-only coverage) in March of 2024 (with a coverage begin date aer March 1st), you are eligible to open an HSA on April 1st, and your employee-only contribuon limit is $3,112.50. Be sure your contribuons do not exceed the annual limits. You must remove excess contribuons before ling your tax return next year. You pay a 6% excise tax for each year that goes by, and you are liable for taxes on the amount over the IRS limit and any earnings associated with your investment of HSA funds. • During benets open enrollment, you can elect to have contribuons made to your account through pre-tax payroll deducon. Deducons are taken out of each paycheck.• You, a family member, or any other person can contribute to your HSA up to the IRS limit for 2024, and you receive the tax benets. You have unl you le your tax return for 2024 to make contribuons. • You can change your HSA elecon amount at any me during the year, up to once a month.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 27Whenever you incur a qualied health care expense, you decide:• To use your HSA now to pay for medical, dental, and vision deducbles, coinsurance, or other qualied medical expenses, or• To pay out of your own pocket now and save the money in your HSA for future expenses, or to reimburse yourself later.When you pay for your qualied health care expenses now, you pay with pre-tax dollars, reducing your overall tax burden. You can pay for expenses for yourself and your dependents. You can use the funds in your account for non-qualied expenses but if you do so before you turn age 65, you will be required to pay income tax plus a 20% penalty. Once you turn age 65, a non-qualied distribuon will only have income tax (no 20% penalty).Use your HSA now or in the future to pay for any qualied medical expenses. If you have eligible expenses that you pay for out of your pocket now, you can reimburse yourself at any me as long as they were eligible expenses at the me they were incurred.Just save your receipts! The IRS may require proof that your HSA funds were spent on qualied medical expenses. For a full list of qualied medical expenses, view IRS publicaon 502.Your HSA account will earn interest, and once you meet a specic dollar amount, you can begin to invest your funds. Your contribuons are deposited in your cash account (default) with WEX, the HSA administrator. Once you meet the minimum threshold of $1,000, you have the opon to move money into an interest-bearing account or mutual funds in $100 increments. Your cash account must maintain a minimum of $1,000. If your balance falls below this amount, mutual funds may be automacally sold to maintain the $1,000 limit. WEX Health currently oers 30 dierent funds to choose from. Mutual funds are not FDIC-insured and are subject to all applicable fees. They also oer a brokerage account that allows you to purchase and trade investment assets through Charles Schwab.There are no monthly fees for opening your HSA account, however, if you choose to invest in mutual funds or use the brokerage account, you would be responsible for the fees associated with your investments.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 28EligibilityAll full-me employees and dependents covered on a Bemis medical plan are eligible to join Everside Health. If you are enrolled in a Bemis medical plan you are required to acvate with an in-network Primary Care Physician. The providers at Everside Health are considered in-network. Full-me employees not covered on a Bemis medical plan are also eligible to join. How the HWC Works With the New Bemis Medical PlanIf you are enrolled in one of the Bemis medical plans, you can only choose to acvate one PCP with Cenvo. You can choose to use one of the PCPs at the Everside Health clinic or another in-network PCP; you cannot use both. If you do not choose a provider at the Everside Health Clinic, you will not be able to use them for your health care needs.To designate an Everside provider as your Primary Care Provider (PCP), simply let them know. In January acvate your Everside PCP with Cenvo. Refer to the medical plan secon, “Geng To Know Cenvo” for informaon on how to acvate. Informaon will also be included in the Welcome Kit you receive from Cenvo later in December. • The PCP requirements do not apply to physical therapy and diecian services through Prevea.Why Choose an Everside Health PCP?Your Everside Primary Care Physician will manage all aspects of your health care needs and will coordinate care with specialty providers, if necessary. They will provide any referrals required under the Bemis medical plan with Cenvo, guiding you to quality in-network providers. Your Everside PCP can address the majority of your health care needs including diagnosis and treatment of acute and chronic illnesses, prevenve care, health maintenance, counseling, and educaon. These services are oered by appointment at the Bemis on-site clinic. You do not have to use Everside Health to use these services. To schedule an appointment, call Prevea at 844-459-2745.EVERSIDE HEALTH AND
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 29Costs for Services at Everside Health and the Health and Wellness Center (HWC)The services at Everside Health and the Bemis Health and Wellness Center (physical therapy and diean services provided by Prevea) have no out-of-pocket costs if you are enrolled in the Guided Care HPP or not covered under a Bemis medical plan. If you are enrolled in the Guided Care HDHP prevenve services are available with no out-of-pocket costs. Non-prevenve services are subject to your medical plan deducble. Once you have met the deducble, HWC services are covered at 100%. The following table outlines your out-of-pocket costs by medical plan.Medical Plan Provider Cost Per Visit* (until deductible is met)Guided Care HPP or no Bemis medical coverage• Everside Health• Prevea Physical Therapy• Prevea Dietitian• $0• $0• $0Guided HDHP• Everside Health• Prevea Physical Therapy• Prevea Dietitian• $30• $40• $25* Preventive Services are covered at 100%. Paying for HWC ServicesFollow these steps when paying for Everside services:• Show your medical ID card.• Sta will check to see if your deducble has been met.• If applicable, Everside will send you a bill for services and submit a bill to your medical plan so that your fees can be applied against your deducble.• Once the deducble is met (if applicable), services are covered at 100%.Follow these steps when paying for Prevea services:• Show your medical ID card.• You are required to pay for your physical therapy or diean services at the me of your appointment.• You can use your HSA debit card, credit card, or personal check.• Please provide a copy of your Explanaon of Benets if your deducble has already been met.• Once the deducble is met, services are covered at 100%FOR QUESTIONS CONTACT:Everside Health920-234-3065Prevea Physical Therapy and Diecian Services844-459-2745
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 30HPP and HDHP Wellness Program As part of the 2023 contract negoaons, a change was made to the Wellness Program Incenve that you will receive for compleng the requirements. The new incenve will be in the form of a reduced monthly medical plan premium for employees enrolled in a Bemis medical plan. Employees not enrolled in a Bemis medical plan will be eligible for a nal 2024 HRA contribuon. The requirements for receiving the 2024 Wellness Program incenve are listed below. The deadline for meeng the requirements was September 30, 2023. Reminder of the Requirements for the 2024 Wellness The requirements to be eligible for the reduced Bemis medical plan monthly premium are listed below. Please review the below informaon to determine if you are eligible. Acon was required by both the employee and any covered spouse. To be eligible for the medical plan premium discount ($42 per month), the full-me covered employee and covered spouse (includes a spouse covered on the Bemis HPP or HDHP Plan with primary or secondary coverage) must have completed either: • An annual physical with their Primary Care Physician (PCP) OR• A Health Risk Assessment as made available by the companyFull-me employees not meeng the above requirements will not be eligible for reduced medical plan premiums in 2024. been completed between October 1, 2022 and September 30, 2023. Bemis will make a $450 contribuon to the Health Reimbursement Arrangement (HRA) account for eligible full-me employees who are not enrolled in a Bemis medical plan. No addional HRA contribuons will be available aer 2024. Except as indicated above, Bemis will no longer oer a Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA) contribuon under the Wellness Program. Refer to the HRA secon regarding important changes being made to the HRA Plan. To be eligible for the premium discount eecve January 1, 2025, the full-me covered employee and covered spouse (includes a spouse covered on the Bemis HPP or HDHP Plan with primary or secondary coverage) must complete the following:• An annual physical with their Primary Care Physician (PCP)The above requirement must be met between October 1, 2023 and September 30, 2024. If the requirements are met, the employee will be eligible for the medical monthly premium discount of $42 in 2025. Employees who do not meet the requirements for a premium incenve will not be eligible for a premium reducon. Please note: Individual results are strictly condenal under the Health Insurance Portability and Accountability Act of 2006 (HIPAA). Your individual results will not be shared with Bemis. Bemis may receive a summary of results to include health risk of the overall populaon.WELLNESS PROGRAM INCENTIVE NEW
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 31As part of the 2023 negoaons, Bemis will no longer oer a Health Reimbursement Arrangement (HRA) contribuon under the Wellness Program. Eecve January 1, 2024, a nal one me HRA contribuon will only be available for full-me employees who are not enrolled in a Bemis medical plan (refer to the Wellness Program Incenve secon for the incenve available to employees enrolled in a Bemis medical plan). Please see the important informaon below regarding the terminaon of the Health Reimbursement Arrangement Plan and new minimum balance requirements. Bemis currently oers a Health Reimbursement Arrangement (“HRA”) that provides reimbursement for certain eligible health care expenses. Bemis intends to make a HRA contribuon for the 2024 plan year for full-me, eligible employees who are not enrolled in the Bemis-oered medical plan on January 1, 2024. Bemis will not make any HRA contribuons aer 2024. Whether or not you receive a HRA contribuon for 2024, you can connue to submit eligible claims for funds remaining in your HRA account by subming a claim for reimbursement to the administrator (Diversied Benet Services). Eecve as of December 31, 2023, a $50 account balance minimum will be implemented. This new minimum balance requirement will be imposed at the end of each calendar year (December 31, 2023, December 31, 2024, and December 31, 2025). If on the last day of the year your HRA account balance is less than $50, the remainder of your HRA account will be forfeited and you will be unable to obtain reimbursements in the future. The HRA plan will be terminated eecve when all HRA funds are depleted or at the end of 2026, whichever occurs rst. You do not need to take any acon for these changes to take eect. To avoid forfeiture of funds, you should make a mely claim reimbursement for any balance in your HRA account. Timely ling of incurred claims will connue to apply for claims submied up unl the terminaon of the plan. Upon terminaon of the plan, you will have 90 days to submit any claims incurred for the year prior to terminaon. For example, based on a Plan terminaon date of 12/31/2026, you will have 90 days to submit claims incurred in 2026. Addionally, you may want to review your HRA account balance prior to the end of each calendar year to determine if your account has less than the new $50 minimum balance. If your account balance is less than $50, you may want to le a claim for reimbursement prior to the end of that calendar year. More informaon on claim deadlines and how to le a claim are included on the following pages. SPENDING ACCOUNTS
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 32NEED TO KNOWYou can roll over up to $610 in 2024 for your 2023 Health Care FSA balance. IRS regulaons apply a “use it or lose it” rule to FSAs above the rollover amount. It’s important to esmate your expenses carefully. Amounts over $610 are forfeited.Bemis oers employees the opportunity to pay less in taxes by taking advantage of a Flexible Spending Account for health care and dependent care expenses. You can save money when you pay for these expenses on a pre-tax basis. You can choose to enroll in both a Health Care and Dependent Care FSA; they are separate elecons. Diversied Benet Services, our spending account partner, will assist you with geng reimbursement for your eligible expenses.sAccount Type and Eligible Expenses*2023 Annual Contribution Limits**BenefitGeneral Purpose Health Care FSA$3,050 per yearSaves on eligible medical, dental, and vision expenses not covered by insurance; reduces your taxable income. You cannot use a General Purpose FSA if contribung to an HSA.Limited Purpose Health Care FSA$3,050 per yearSaves on dental and vision expenses not covered by insurance; reduces your taxable income. A limited FSA is designed to be used with an HDHP/HSA.Dependent Care FSA$5,000 per year$2,500 per year if married and filing separate tax returnsReduces your taxable income.* For a complete list of eligible FSA expenses, visit irs.gov/publications > Publication 969.** IRS limits are subject to change.Health Care FSA $610 Carry-OverIf you have funds remaining in your Health Care Flexible Spending Account as of December 31, 2023, up to $610, they can be rolled over to 2024. The $610 carry-over does not apply to the Dependent Care FSA. Except for the Health Care FSA carry-over, the IRS imposes a “use-it or lose-it” rule on FSAs; take this into consideraon when making your annual elecons.If you are newly enrolling in the Guided Care HDHP for 2024, any funds remaining in your general-purpose Health Care FSA as of December 31, 2023, will be considered “Limited” as of January 1, 2024. Medical claims incurred in 2023 can be used against your 2023 balance and must be submied for reimbursement before the April 30, 2024, claim ling deadline.Health Reimbursement Arrangement (HRA) Spending AccountsEecve following the negoated 2023 HRA/HSA Wellness Program contribuon, Bemis will no longer oer a Health Reimbursement Arrangement (HRA). The HRA Plan is terminang at the end of 2026. Balances less than $50 at the end of any calendar year, or any balance at the terminaon of the plan will be forfeited.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 33Accessing your HRA and FSA FundsThe HRA and Health Care FSA funds are conveniently accessible through the use of a Benet Card. Keep your receipts! You may have to provide documentaon to verify the expense is eligible under the plan. If you don’t use your Benet Card, or you need reimbursement from your Dependent Care FSA, you can also request reimbursement online, via a mobile app, or submit a paper claim form to Diversied Benet Services (DBS).If you are enrolling in the High Deducble Health Plan, and have funds remaining in your HRA, or carry-over funds from an FSA, your account will be considered a Limited Purpose account. How to Use Your FSA and HRA Prior Year BalancesHealth Care or Dependent Care FSAIf you have 2023 funds in your Health Care or Dependent Care Flexible Spending Accounts (FSAs), or need to submit 2023 claims against your Health Reimbursement Arrangement (HRA) aer December 31, 2023, it’s important to follow the procedures below.Don’t use your Benet Card for any claims that you want applied to your Health Care FSA 2023 balance. To apply 2023 claims to your 2023 Health Care or Dependent Care FSA balances, you must complete a manual claim form. You can also go online or use the mobile app. The Benet Card cannot be used for the Dependent Care FSA.Health Reimbursement Arrangement (HRA)There are new minimum account balances required at the end of each calendar year beginning with your December 31, 2023 balance. Refer to the Important Informaon Regarding the Terminaon of the HRA Plan under the Health Reimbursement Arrangement (HRA) Spending Accounts secon. If you want to use your Health Reimbursement Arrangement for 2023 claims that you have not yet submied, you must also complete a Manual Claim form, go online, or use the mobile app. Be sure to use any balances that fall below the $50 account balance minimum prior to the end of the year.incurred in the current calendar year and applied to cannot be used for the Dependent Care FSA.FSAs and HRAThe deadline for subming claims to Diversied Benet Services, against your 2023 Health Care and Dependent Care FSA account balances is April 30, 2024. Any funds remaining in your 2023 Health Care FSA, up to $610, are eligible for carryover in 2024. You have one year from the date of service to submit your claims incurred in 2023 to your Health Reimbursement Arrangement (HRA); however, keep in mind if your account balance is less than $50 on December 31st of any calendar year (2023, 2024, or 2025), those funds will be forfeited and not eligible for reimbursement. Make sure to submit claims prior to 12/31/2023 if your balance is below $50 at the end of 2023 to avoid forfeiture of your account balance.NEWFOR QUESTIONS CONTACT:Diversied Benet Services (DBS)800-234-1229 262-367-3300 Employer PIN: Bemismfg
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 34Bemis cares about you and your family. Well-being is the holisc balance of meeng the needs of you and your family. Bemis provides acvies to assist you with balancing your well-being. Programs are designed to help you balance your physical, nancial, social-emoonal, intellectual-career, and community-environmental well-being. Your suggesons are always welcome! Bemis cares about you at work and at home.Your parcipaon and any posive impact it may have on your well-being is a value-added benet. If you have not parcipated in the past, we ask that you consider parcipang in future program oerings. In many instances, you may be eligible to be entered into a drawing for parcipang. Just look for the well-being logo on communicaons to spot what acvies are being oered. Eecve January 1, 2024, the following benet coverage enhancements have been added to the Dental Plan.• A new program called Evidence-Based Integrated Care Plan (EBICP) is being added that provides extra benets for parcipants with certain medical condions that have oral health implicaons. The program provides addional cleanings and/or uoride treatments and can play an important role in the management of these condions.Periodontal Disease With an indicator of surgical or nonsurgical treatment of periodontal disease, a parcipant is eligible for up to two addional dental visits in a benet year for periodontal maintenance or adult prophylaxis (cleaning). With an indicator of surgical or nonsurgical treatment of periodontal disease, a parcipant is eligible for topical uoride applicaon beyond the age limitaon of 19. DiabetesWith an indicator of a diabetes diagnosis, a parcipant is eligible for up to two addional dental visits in a benet year for periodontal maintenance or adult prophylaxis (cleaning).DENTAL PLANNEWPregnancy With an indicator of pregnancy, a parcipant is eligible for one addional dental visit for adult prophylaxis (cleaning) or periodontal maintenance during the pregnancy.With an indicator for high risk cardiac condions, a parcipant is eligible for up to two addional dental visits in a benet year for periodontal maintenance or adult prophylaxis (cleaning). High risk cardiac condion indicators are: • History of infecve endocardis • Certain congenital heart defects (such as having one ventricle instead of the normal two) • Individuals with arcial heart valves • Heart valve defects caused by acquired condions like rheumac heart disease • Hypertrophic cardiomyopathy which causes abnormal thickening of the heart muscle • Individuals with pulmonary shunts or conduits • Mitral valve prolapse with regurgitaon (blood leakage) With an indicator for suppressed immune system condions, a parcipant is eligible for up to two addional dental visits in a benet year for periodontal maintenance or adult prophylaxis (cleaning). With an indicator of suppressed immune system condions, a parcipant is eligible for topical uoride applicaon beyond the age limitaon of 19.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 35With an indicator for kidney failure or dialysis condions, a parcipant is eligible for up to two addional dental visits in a benet year for periodontal maintenance or adult prophylaxis (cleaning). With an indicator for cancer-related chemotherapy and/or radiaon, a parcipant is eligible for up to two addional dental visits in a benet year for periodontal maintenance or adult prophylaxis (cleaning). With an indicator of cancer-related chemotherapy and/or radiaon, a parcipant is eligible for topical uoride applicaon beyond the age limitaon of 19.Integrated Care Plan (EBICP)Parcipang in the program is easy. There are a number of ways in which you can enroll in the program. Enroll yourself. You can set the appropriate health condion indicator online at deltadentalwi.com.• Log in to the Delta Dental website (deltadentalwi.com). You will need to register before you can proceed.• Click on the Addional Benets box under Prevenve Care and Plan Features.• On the EBICP page, complete the requested informaon. Contact Delta Dental of Wisconsin Contact a Delta Dental customer service representave at 800-236-3712 and ask them to assist you in seng the EBICP indicator over the phone. Have your provider enroll you. Ask your provider to set the program indicator at Delta Dental for you. If you have non-surgical or surgical periodontal procedures performed, Delta Dental of Wisconsin will automacally update the EBICP Periodontal Disease health condion indicator when they process these services. Once you are enrolled, you are immediately eligible for benets under the EBICP program. dependent children under the age of 19. The benet allows for a $1,000 lifeme maximum and is covered at 80%; not subject to the deducble.DENTAL PLANNEED TO KNOWAddional prevenve benets added to the plan for certain medical condions.Orthodona benets being added for dependent children under the age of 19.NEWOpen the camera on your smartphone and scan the QR code to learn how EBICP can help each condion, or visit deltadentalwi.com/EBICP.FOR QUESTIONS CONTACT:Delta Dental Delta Dental PPO orPremier Network800-236-3712 deltadentalwi.com
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 36Your smile can give clues to your overall health. More and more studies over the years show a connecon between oral health and overall health in both adults and children. Having a primary care denst is just as important as your medical plan PCP. If you do not have a primary care denst, now is a great me to establish a relaonship. You can locate an in-network denst online or by calling Delta Dental Customer Service.DENTAL PLAN OVERVIEWBenefit Paid At (Plan/Employee) Deductible AppliesDeducble: $50 per family member per year (Group III) $75 per family member per year (Group IV)Annual Benefit Maximum: $1,500 per family member per year (applies to Groups I-III) Orthodontic Lifetime Maximum: $1,000 per dependent under age 19Cleaning & Exams Covered at 100%—2 per year per family member NoPreventative X-rays• Bite Wing X-rays • Full-mouth X-rays 75%/25% 1 set of 4 per family member per year75%/25% 1 set every 2 years per family memberNoTopical Sealants Covered at 100% NoFluoride Treatment Covered at 100%—Twice per year for dependent children to age 19 NoEvidence-Based Integrated Care Plan Covered at 100% for certain medical conditions NoEmergency Treatment (in dentist’s office)50%/50%—Per occurrence per family member NoFillings50%/50%—Per occurrence per family member NoSingle Crown 50%/50%—2 per family member per year Ye sRepairs—Crown50%/50%—1 per family member per year Ye sNon-Surgical Endodontics (Root Canal)50%/50%—2 per family member per year Ye sNon-Surgical Periodontics 50%/50%—As needed Ye sTMJ Mouth Guards (provider prescribed)50%/50%—1 per family member per year Ye s
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 37Benefit Paid At (Plan/Employee) Deductible AppliesDeducble: $50 per family member per year (Group III) $75 per family member per year (Group IV)Annual Benefit Maximum: $1,500 per family member per year (applies to Groups I-III) Orthodontic Lifetime Maximum: $1,000 per dependent under age 19Initial installation of fixed bridgework including up to two crowns to form abutments (supports) for a single bridge80%/20% Ye sInstallation of partial or full removable dentures80%/20% Ye sAdding teeth to existing removable denture or bridgework80%/20% Ye sInstalling a permanent full denture 80%/20% Ye sReplacing an existing partial denture, full removable denture, or fixed bridgework80%/20%—Providing existing denture or bridge is more than 5 years old and cannot be made serviceable (5-year limitation is waived if additional extractions require replacement)Ye sImplants80%/20%—1 per family member per year (surgery and crown costs associated with implant applies to dental max)Ye sOrthodontics 80%/20%; Lifeme maximum of $1,000 per dependent under the age of 19 NoNon-Surgical Extractions and Oral SurgeriesCovered at 100% NoSurgical Endodontics (Root Canal)Covered at 100% NoSurgical Periodontics Covered at 100% No* Two-year dental plan enrollment is required.Note: You are not required to pre-certify care, but it is always beneficial to have your dentist pre-certify services that may be more.DENTAL PLAN2024 Dental PremiumsCoverage Level Monthly RateEmployee Only $10Employee + Spouse $20Employee + Child(ren) $20Family (Employee + Spouse + Child(ren) $25
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 38 VISION PLANA new Vision Plan is being oered January 1, 2024. The plan is separate from the medical plan and requires acon on your part if you would like to enroll. Advantages of a Separate Vision Plan Having a separate vision plan provides benets that are typically not available in a medical plan. Bemis plan parcipants will have access to the following advantages. • Discounted services and hardware—Having a separate vision plan takes advantage of the lower costs for services and vision hardware from the EyeMed network of providers. The Bemis vision plan will use the EyeMed Insight network. • Vision Plans typically provide a greater benet and oer discounts on other services. • Ease of administraon—Using the plan is easy. If using an in-network provider, all claims are automacally submied for you. EyeMed providers can look up your coverage online and apply your benets at the me of your service. You will receive an ID card in the mail, but no ID Card is necessary for you to use your vision benet.NEED TO KNOWA new vision plan is being added Make sure you understand the changes to the vision coverage in the medical plan. The new EyeMed plan replaces many of the benets under the plan.In addion to the benets listed in the Vision Plan Overview, EyeMed oers: • 40% o an addional complete pair of prescripon eyeglasses • 20% o non-covered items, including non-prescripon sunglassesYou may have addional benets. Log into eyemed.com once you receive your vision ID Card to see all benets included in the plan.VISION BENEFIT OVERVIEWVision Care Services In-Network Member Cost Out-of-Network Member ReimbursementExam ServicesExam $0 copay Up to $75Retinal ImagingUp to $39 Not coveredContact Lens Fit and Follow-UpFit and Follow-up Standard Up to $40; contact lens t and two follow-up visits Not coveredFit and Follow-up Premium10% off retail price Not coveredFrameFrame $0 copay; 20% o balance over $200 allowance Up to $130Standard Plastic LensesSingle Vision $25 copay Up to $25Bifocal$25 copay Up to $40Trifocal$25 copay Up to $50Lenticular$25 copay Up to $70Progressive-Standard$80 copay Up to $50Progressive–Premium Tier 1-4$110–$200 copay Up to $50NEW
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 39Vision Care Services In-Network Member Cost Out-of-Network Member ReimbursementLens OptionsAnti Reflective Coating—Standard $45 Up to $5Anti Reflective Coating—Premium Tier 1-3$57-85 copay Up to $5Photochromic—Non-glassPolycarbonate—StandardPolycarbonate—Standard < 19 years of age$75$40$40Not coveredScratch Coating—Standard Plastic $15Not coveredTint—Solid and GradientUV TreatmentHigh IndexAll Other Lens Options$15$15Choose20% off retail priceNot coveredContact LensesContacts—Conventional $0 copay; 15% o balance over $300 allowance Up to $200Contacts—Disposable$0 copay; 100% o balance over $300 allowance Up to $200Contacts—Medically Necessary $0 copay; paid in fullUp to $210OtherHearing Care from Amplifon Network Up to 64% o hearing aids; call 877-203-0675 Not coveredLASIK or PRK from U.S. Laser Network15% off retail or 5% off promo price; call 800-988-4221Not coveredFrequency Allowed Frequency Adults Allowed Frequency KidsExamOnce every calendar year Once every calendar yearFramesLensesContact LensesNote: Plan allows member to receive either contacts and frame, or frames and lens services.VISION PLAN2024 Vision Plan PremiumsCoverage Level Monthly RateEmployee Only $0Employee + Spouse $0Employee + Child(ren) $0Family (Employee + Spouse + Child(ren) $0
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 40 How it Works Using the vision plan is easy. If you would like to have coverage under the EyeMed Vision Plan, you must enroll (see How to enroll). Once enrolled, you will receive a vision ID card, however, an ID card is not necessary to use your benet. Eecve January 1, 2024 you can begin to use your NEW benet by scheduling your eye exam. It’s recommended that you use an in-network provider for the lowest out-of-pocket costs and ease of using your benet. See How to Find a Network Provider . You can provide the doctor with your vision ID card or they can look up your coverage with just your name and date of birth (employee’s informaon is required). Your in-network provider will le your claim for the exam and any hardware you purchase directly to EyeMed. There is no paperwork for you to complete and send in for reimbursement. They can determine how much the plan will cover and how much is your responsibility. You can use one provider for your exam and a dierent provider to purchase your hardware, the choice is up to you. If you use an out-of-network provider, you are responsible for subming claims to EyeMed for reimbursement. Eligibility All eligible full-me employees can enroll. For the 2024 plan year only, the coverage level and the dependents you can cover will be based upon your Bemis medical elecon. You can choose the same coverage or a lower level of coverage. For example: If you are enrolled in single medical coverage, you can only enroll in single vision coverage. If you are enrolled in family coverage, you can elect family coverage and cover the same dependents you cover on your Bemis medical plan, or you can elect a lower level of coverage (employee + spouse, employee + children, or single). If you are not enrolled in a Bemis medical plan, you can only elect single coverage.Please note that the vision plan does not coordinate benets. This means that if you have dual coverage (coverage with Bemis and under another plan—i.e., spouse’s plan) you would have to use each coverage separately. EyeMed will not coordinate coverage. How To Enroll If you would like to enroll in coverage under the new Vision Plan, you must make an acve elecon on your open enrollment form and complete the back of the form indicang the dependents, if applicable, that you would like to cover. If you do not make an elecon, you will not have vision coverage under the new EyeMed Vision Plan. How to Find a Network Provider During the open enrollment period, you can search for in-network providers by using the instrucons below. If you choose to enroll in the plan, the best way to use your benets is to register beginning on January 1, 2024, on the EyeMed website (eyeMed.com). 1. Go to EyeMed.com and select “Find an Eye Doctor” located at the top right of the page.2. You can elect to search by locaon or doctor. 3. Under Network, choose the Insight Network.4. Enter the required informaon based on the method of search you chose (locaon or doctor).5. The in-network providers will be listed. VISION PLANFOR QUESTIONS CONTACT:EyeMed Insight Network866-800-5457eyemed.com
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 41Principal administers the Pension Plan and the Bemis Manufacturing Company Extra Rerement Savings Plan (ERS 401(k) Plan). They oer many rerement tools to assist you in your rerement planning needs. If you have not had the opportunity to use the online tools available to you, Open Enrollment is a great me to take advantage of their resources. Preparing early will help you meet your rerement goals.If you have not already done so, be sure to update principal.com or by calling the customer service center at 800-547-7754. Consider adding an email to your account RETIREMENT PLANSFOR QUESTIONS CONTACT:Principal800-547-7754 Monday–Friday: 7am – 9pm (CST)principal.comStarng January 1, 2024, a lump sum oponal form of payment will be available under the Pension Plan. Currently, the only me a lump sum payment is available from the Plan is if the lump sum value of your benet is less than $5,000 at the me of your terminaon of employment. Starng January 1, 2024, you will be able to elect to receive your Plan benet in a lump sum regardless of the amount at the me of your terminaon of employment. The lump sum will only be available if you do not commence benets prior to January 1, 2024.Starng January 1, 2024, you may commence your Plan benets at any me aer terminaon of employment. Currently, payments may only begin once you have terminated employment and aained age 60, unless you meet the Plan’s requirements for a disability benet. Starng January 1, 2024, you can commence your Plan benet at any age provided you have terminated employment. In addion to the lump sum form of payment, certain annuity opons currently available under the Plan will also be available at that me. Note that the earlier you commence your Plan benet, the more the benet amount will be reduced to reect that it is payable over a longer period of me. In addion, if you commence your benet prior to age 59 1/2, you may be subject to a 10% early distribuon penalty tax. If you are planning on rering and you commence monthly Plan benets before January 1, 2024, you will not be able to convert your monthly payments into a lump sum in January when the lump sum becomes available.If you are interested in considering a single lump sum payment, then while you sll may rere from the company, you should delay commencing your Pension benets unl January of 2024. There are many factors to consider when deciding whether to commence monthly annuity payments now versus waing for the lump-sum opon to become available in the future, including your near-term rerement needs. You should consult your personal nancial and tax advisor to discuss your opons and determine what is best for your parcular situaon. PENSION PLANNEW
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 42Be sure to check it out!Bemis oers the EAP as a resource for all full-me employees and family members through ComPsych Guidance Resources. ComPsych has many programs including WorkLife Soluons, Legal Guidance, Financial Resources and more. The program is condenal and individual informaon is not shared with Bemis.EMPLOYEE ASSISTANCE FOR QUESTIONS CONTACT:ComPsych Guidance Resources800-272-7255 guidanceresources.comCompany ID: Com589Parcipaon in the Bemis Manufacturing Company Extra Rerement Savings Plan (ERS) 401(k) Plan is available to eligible full-me and part-me employees. As an eligible employee, you can contribute between 1-100% of your eligible compensaon up to the IRS limit; $22,500 for 2023. Beginning in the year in which you turn age 50, you are also eligible to make a 401(k) Catch-up contribuon up to the IRS limit. For 2023 the limit is $7,500.Take the me to review your rerement plan strategy and check to see how the ERS 401(k) Plan ts in. The Principal online tools may be helpful in your review.Plan StatementsAs a reminder, your 4th Quarter Annual Statements for the Bemis Manufacturing Company ERS 401(k) Plan and the Pension Plan are distributed in January for each plan based on your elected distribuon method (e-mail nocaon or paper copy mailed to the address on le). Quarterly statements for the 401(k) plan are available online or by calling Principal for a paper copy.
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 43Please read the informaon below regarding the Bemis Spousal Secondary Coverage requirement. If your spouse is not appropriately enrolled in the plan, any claims they incur may not be covered. If your spouse experiences a qualied status change that impacts their coverage at Bemis, you must nofy Human Resources—Corporate Benets within 31 days of the status change by compleng the required change form.If your spouse has other coverage available, but their employer will not allow them to change coverage at this me, you will need to make the change during the year when they are eligible to do so. Nofy Bemis Corporate Benets within 31 days of your spouse becoming eligible on their plan by compleng the required change form.A spouse that has other employer coverage available as outlined below is not eligible for primary coverage on the Bemis medical plan.An employee’s spouse with “aordable” medical coverage (as dened by the Aordable Care Act) available through their employer must take that coverage as primary in order to enroll in the Bemis medical plan on a secondary basis. This shares the responsibility more equitably between Bemis and the spouse’s employer.The following Spousal Secondary Coverage rules will apply:• If a spouse employed full-me can obtain aordable coverage through his or her employer, they are required to take that coverage.• Spouses with primary coverage through their employer’s health insurance plan will be eligible to enroll in secondary coverage through Bemis.• Spouses with primary coverage elected through an ACA health care exchange plan will be eligible to enroll in secondary coverage through Bemis.• Spouses without aordable coverage (as dened by the ACA) available may enroll in Bemis medical insurance as primary coverage.• If the spouse employed full-me works at an employer whose least expensive single plan monthly premium is higher than $350, the Bemis employee’s premium will be waived.The medical, dental, and vision plans are comprehensive plans that allow you to cover dependents if they meet the denion of a dependent under the plan. Eligible dependents include:• Your legal spouse, who is recognized as your spouse for purposes of federal tax laws and from whom you are not legally separated or divorced.• Your child under the age of 26, including your biological child; your adopted child or child placed with you for adopon; your stepchild; a child for whom you are required to provide insurance by a Qualied Medical Child Support Order or other court administrave order; or a child for whom you are the legal guardian. • Coverage may be extended to an unmarried child, regardless of age, who is mentally or physically incapable of sustaining his or her own living. Such child must have been mentally or physically incapable of earning his or her own living prior to aaining age 26. Wrien proof of such incapacity and dependency sasfactory to the Plan must be furnished to the Plan within 31 days of the date the child aains age 26, and/or within 31 days following the eligibility date for a new or reenrolling employee.If you cover any individual who no longer meets the dependent eligibility denion above, you should remove them from the plan(s). They can be removed from coverage by compleng the 2024 Benets Open Enrollment form and compleng the Medical/Dental/Vision Insurance Enrollment Change form on the back. Following open enrollment, you should nofy HR-Corporate Benets within 31 days of the event.SPOUSAL SECONDARY COVERAGEDEPENDENT DEFINITION
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 44Once you have read about the changes to your benet plans for 2024, it’s me to determine what elecons or changes you would like to make to your 2024 benet enrollments. The deadline to complete your form and November 10, 2023.The changes that you make during open enrollment will become eecve January 1, 2024. When making your decisions, be sure you understand your opons, the changes being made to the plans, the choices available to you, and the needs of you and your family.During Open Enrollment, you can:• Change your medical plan opon—Cenvo Guided Care HDHP Plan or Cenvo Guided Care HPP Plan. Check the appropriate medical plan and coverage level on your 2024 Benets Open Enrollment form. Complete the Medical/Dental Insurance Enrollment Change form on the back if applicable for changes.• Enroll or Waive your coverage in the medical, dental, or vision plan. Check the appropriate coverage level box on your 2024 Benets Open Enrollment form and complete the Medical/ Dental/Vision Insurance Enrollment Change form on the back if applicable for changes.• Change your medical, dental, and/or vision coverage level (i.e. employee, employee + spouse, etc.). Check the appropriate coverage level box on your 2024 Benets Open Enrollment form and complete the Medical/Dental/Vision Insurance Enrollment Change form on the back if applicable for changes.• If you will be covering a spouse as primary on your medical coverage, make sure you understand the Spousal Provisions. Refer to the Spousal Secondary Coverage Requirement on page 43 for details. A new form is required if you are adding your spouse on your medical coverage or if they had a change in eligibility under their employer’s plan. This form should be returned by the November 10th deadline.• Add or cancel coverage for your spouse or dependents on the medical and/or dental plan. Check the appropriate coverage level box on your 2024 Benets Open Enrollment form and complete the Medical/Dental/Vision Insurance Enrollment Change form on the back, if applicable. • Enroll in a Health Care or Dependent Care Flexible Spending Account (FSA)—you must make a new annual elecon if you want to parcipate in either of these plans in 2024. Complete the appropriate FSA elecon (Health Care, Dependent Care, or both) in the designated secon on the 2024 Benets Open Enrollment form. Make sure to designate if your Health Care FSA elecon is Limited or General Purpose.• Enroll in the Health Savings Account (HSA)—available only if you are enrolling in the Guided Care HDHP medical plan. Complete the appropriate HSA secon on the 2024 Benets Open Enrollment form. You can also enroll or change your elecon for this account during the year.• Change your deferral contribuons on the 401(k) Plan. You can also make these changes at any me during the year. Changes must be made through Principal. Refer to the Rerement Plan secon for contact informaon. you have not already done so.• Your current medical and dental elecons will connue in 2024.• You will not be enrolled in the EyeMed vision plan.• You will not be enrolled in either the Health Care or Dependent Care FSA.• You will not have any pre-tax deducons taken for HSA contribuons if enrolled in the HDHP unless you make a separate elecon during the year.OPEN ENROLLMENT DEADLINE: NOVEMBER 10, 2023
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 45Your open enrollment elecons for medical, dental, vision, Health Care, and Dependent Care FSA will become eecve on January 1, 2024, and will remain in place through December 31, 2024, unless you experience a qualifying event and request a change within 31 days of the event.A qualied event that would allow you to make a mid-year elecon change to your medical, dental, vision, or Flexible Spending Accounts include:• Change in marital status (marriage or divorce)• Birth, adopon/placement for adopon• Changes in job status that aect your benets• Change in your dependent’s eligibility for benets• Death• Medicare entlementIf you elect to enroll in the Health Savings Account, your enrollment will be eecve January 1, 2024, however, you can change your elecon during the year up to once per month.Why Does Bemis Need Social Security Numbers (SSN) for all Dependents on the Medical Plan?As part of The Aordable Care Act (ACA) Bemis is required to provide informaon to the IRS indicang whether or not you have medical coverage under the Bemis plan. It’s important that we have the SSN for each dependent enrolled in the medical plan to be able to include it in the reporng to the IRS. We will also provide you with a 1095-C form which you should keep. Human Resources—Corporate Benets will reach out to anyone who is missing an SSN for a covered dependent.ENROLLMENT: NEW 2024 ELECTIONSNEED TO KNOWIf you have a qualied status change, you must nofy Human Resources – Corporate Benets and make new elecons by compleng the applicable forms within 31 days of the qualifying event. If you miss the 31-day deadline, you will have to wait unl the next annual enrollment or a new qualied event to change your benet coverages. All change requests must be consistent with the qualied event.OPEN ENROLLMENT DEADLINE: NOVEMBER 10, 2023
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 46Scan the below QR Codes to download apps and more!QR CODES AND CONTACTSEAPComPsych Guidance Resources800-272-7255 guidanceresources.comCompany ID: Com589VISIONEyeMed Insight Network866-800-5457eyemed.comk)Principal800-547-7754 Monday–Friday: 7am – 9pm (CST)principal.comDENTALDelta DentalDelta Dental PPO orPremier Network800-236-3712 deltadentalwi.comHRA AND FSADiversied Benet Services (DBS)800-234-1229 262-367-3300 Employer PIN: BemismfgHSAWEX Health866-451-3399Monday–Friday: 8am to 9pm CTcustomerservice@wexhealth.comwexinc.comWEX, Inc. AppMEDICAL CONSULT2nd.MD866-841-25752nd.md/Bemis TALK THERAPY Walmart Health Virtual CareUrgent care available 24/7/365Access through Cenvo app orMEDICALCenvo Member Care 833-716-2159Monday–Friday: 7am to 8pm CTOr send a message at
YOUR 2024 BEMIS BENEFITS GUIDE / BMC EMPLOYEESPAGE 47NOTES
This summary describes the benet updates for BMC employees for 2024. It is not intended to describe all the details about the plans oered by Bemis. If there are any dierences between this summary and the plan document, the plan document governs. Parcipaon in the Bemis benet program is not a guarantee of employment