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EMPLOYEE BENEFITSGUIDE2024An overview of the wide array of benefits provided byRivercrest Realty Associates, LLC to help you enjoyincreased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCAs an employee of Rivercrest Realty Associates, LLC, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024 plan year, Rivercrest Realty Associates, LLC has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Rivercrest Realty Associates, LLC is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Rivercrest Realty Associates, LLC benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin First of month following 60 days of employmentBenefits EndEnd of month following last day of employment(Group Life & Disability coverage ends last day of employment)Dependents Up to age 26

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCCoverage Provided by Blue Cross of NCIn-Network Blue Options HSABenefit Period Calendar Year: 1/1 – 12/31Deductibles (Individual / Family)$2,000/$4,000(Family Member: $4,000)Out-of-Pocket Max (Individual / Family)$4,000/$8,000(Family Member: $7,000)Preventive Care 0% no deductiblePrimary Care Visit 20% after deductibleSpecialist Visit 20% after deductibleTelehealth via Teladoc 20% after deductibleUrgent Care 20% after deductibleEmergency Room 20% after deductibleOutpatient Procedure 20% after deductibleInpatient Visit 20% after deductiblePharmacy / RX (30 Day Supply)Essential FormularyEnhanced Preventive: 20% no deductibleAll Other: 20% after deductibleMEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your BCBSNC plan documents for additional details.Please note when seeking services outside of NC that require Prior Authorization, it is the member’s responsibility to ensure their provider has received the authorization through BCBS of NC .

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Rivercrest Realty Associates, LLC all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREBi-Weekly WeeklyEmployee $27.62 $13.81Employee + Spouse $175.53 $87.76Employee + Child(ren) $152.40 $76.20Employee + Family $245.05 $122.52Your CostAmazon PharmacyBlue Cross NC now offers access to Amazon Pharmacy for your mail order needs. This includes Meds Your Way, a discount card that provides additional savings through Amazon Pharmacy. At check out you’ll see the lowest cost available for your prescription. Sign up and learn more at www.amazon.com/bluecrossnc.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCEmployees and dependents enrolled in our medical plan have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialists. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP while saving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who are eligible to have this account, including single individuals, families and soon-to-be retirees. You save money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountRefer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your Health Equity HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. These maximums include an employer contribution of up to $2,250 annually. The IRS has established the following maximum HSA contributions:2023 Tax Year 2024 Tax Year$3,850 Individual / $7,750 Family $4,150 Individual / $8,300 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCThis Is How An FSA Works:• You set aside money for your FSA from your paycheck before taxes are taken out.• You then use your pre-tax FSA funds throughout the plan year to pay for eligible health care or dependent care expenses.• You save money on expenses you're already paying for.With our plan through Flores, amounts do not rollover. If you don’t use it, you lose it. You have a 2.5-month grace period to incur expenses after the plan year or you will forfeit any unused funds. Refer to your FSA documentation for more details.Health FSA Eligible Expenses• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgery• Professional services: physical therapy, chiropractic and acupuncture• Prescription drugs and insulin• Over-the-counter health care items such as bandages, pregnancy tests and blood pressure monitorsIf enrolled in a HDHP with HSA then you can enroll in a limited purpose FSA. Limited Purpose Health FSA Eligible Expenses• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgeryDependent Care FSA Eligible Expenses• Care for your child who is under the age of 13• Before-school and after-school care• Babysitting and nanny expenses• Day care, nursery school and preschool• Summer day camp• Care for a relative who is physically or mentally incapable of self-care and lives in your homeRefer to your FSA documentation for more information. FLEXIBLE SPENDING ACCOUNT (FSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCSummary of CoverageCoverage Provided by Aflac In-NetworkAnnual Deductibles(Individual / Family)$50 / $150Preventive Care 100%Basic Procedures (simple extractions, fillings, etc.)80%Major Procedures(crowns, dentures, etc.)50%Child Orthodontics Not CoveredCalendar Year Maximum Benefit$1,500 per covered person(if eligible, an additional $250 in carryover funds)DENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Bi-Weekly WeeklyEmployee $17.00 $8.50Employee + Spouse $33.66 $16.83Employee + Child(ren) $37.42 $18.71Employee + Family $54.08 $27.04Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCSummary of CoverageCoverage provided by Superior Vision In-NetworkVision Exam (once every 12 months) $20 CopayLenses (once every 12 months) $20 CopayFrames (once every 24 months)$20 Copay $130 Retail AllowanceElective Contact Lenses (in lieu of lenses and frames)$130 Retail AllowanceAdditional copay applies for your contact lens exam (fitting and evaluation)VISIONOur vision coverage is provided by Superior Vision. Please review your plan documents for additional details.Bi-Weekly WeeklyEmployee $2.85 $1.42Employee + Spouse $5.40 $2.70Employee + Child(ren) $6.32 $3.16Employee + Family $8.90 $4.45Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCSummary of CoverageCoverage provided by HartfordPlan FeaturesEmployee Benefit Amount 1x your annual earningsMaximum Benefit Amount $200,000Guarantee Issue $200,000Benefit Reductions Begin at age 65Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. GROUP LIFE and AD&D INSURANCEOur EAP through ComPsych Guidance Resources provides access to Master’s degree clinicians for 24/7 confidential assistance at no cost to you.This program includes 3 face-to-face counseling sessions per occurrence per year and unlimited 24/7 phone support for financial, legal, and work-life concerns. EMPLOYEE ASSISTANCE PROGRAM (EAP)Call 1.800.964.3577 or visit www.guidanceresources.com Company name: AbiliCompany ID: HLF902

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCSummary of CoverageCoverage provided by IMS Plan Features Short TermCoverage Paid By Rivercrest Realty Associates, LLCTaxation Benefit is taxedWeekly Benefit 100% of your total weekly earningsWhen Benefits Begin On the 8th day of an accident or illnessDisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. DISABILITY INSURANCEPlease note, a pre-existing condition period may apply once you become covered. Please see policy for more information.Coverage provided by HartfordPlan Features Long TermCoverage Paid By Employee (Gross-Up & Deduct)Taxation Benefit is not taxedMonthly Benefit60% of your total monthly earnings up to maximum of $7,500/monthWhen Benefits Begin On the 91st day of your disability

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCVoluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.Voluntary BenefitsAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents.Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses. Coverage can be purchased for employee and dependents. Coverage provided by Hartford

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2024 Employee Benefits Guide Rivercrest Realty Associates, LLCCarrier ResourcesBENEFIT CARRIER WEBSITEMedical BCBSNCwww.blueconnectnc.com HSA Health Equitywww.healthequity.com Dental Aflacwww.Aflac.com Vision Superior Visionwww.superiorvision.com Life/LTD/Accident/Critical IllnessHartfordwww.hartfordlife.com STD IMSwww.ims-tpa.com EAP ComPsych Guidance Resourceswww.guidanceresources.com FSA Floreswww.flores247.com How to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical BCBSNCWill receive an ID Card in the mail. Can also access through the portal (www.blueconnectnc.com) or mobile appDental AflacWill receive an ID Card in the mail. Can also access through the portal (www.Aflac.com) Vision Superior VisionCan generate from the portal (www.superiorvision.com) or mobile app

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024Rivercrest Realty Associates, LLC