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PAGE 1YOUR BENEFITS FOR 2024US EMPLOYEES (NON-WISCONSIN)FOCUSING ON WHAT MATTERS VIEW ONLINE
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 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, informaon about a new medical plan administrator, and steps you must take for 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 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 (or email) for dates and mes. 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 38 for details.See page 37 WHAT HAPPENS IF YOU DON’T ENROLL BY NOVEMBER 10, 2023?You will not be enrolled in the:• 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, dental, and vision elecons will connue.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 4NEED 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 36 for details on Spousal Secondary Coverage and the denion of a Dependent.2024 BENEFIT HIGHLIGHTSMedical PlansIntroducing Cenvo, our new medical plan administrator. Cenvo will be replacing UnitedHealthcare as the medical plan administrator and will be using the Cigna PPO Plan provider network. We will connue to oer two medical plans for you to choose from, the Preferred Provider Organizaon (PPO) Plan and the High Deducble Health Plan (HDHP). • The primary care oce visit copayment under the PPO Plan will be changing to a $10 copayment (currently 25% aer deducble).• Deducbles, out-of-pocket maximums, and premiums are not changing for the PPO or the HDHP plans.• You will have a new network of providers. The network will be changing from the UnitedHealthcare Choice Plus network to the Cigna PPO Plan network. You can locate providers in the network at hcpdirectory.cigna.com or by calling 833-716-2159. • 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 ProgramIf you met the September 30, 2023 deadline for the 2024 Wellness Program incenve you will be eligible for the lower medical monthly premium rate. Refer to the Wellness secon to learn about the requirements and deadline to be eligible for the 2025 Wellness Program incenve. 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 28-29 for details on Flexible Spending Accounts. NEWConnued on next page
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 5NEED TO KNOW2024 BENEFIT HIGHLIGHTSDental Plan• There are no changes to the dental plan.• Premiums are not changing for 2024.Vision Plan• There are no changes to the vision plan.• Premiums are not changing for 2024.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 20-23 for details on the Health Savings Account.Health 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 27-29 for details on this change.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 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 36) 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 to obtain a form. • Review the denion of a dependent (page 36) to be sure they are eligible under the medical, dental, and vision plans.Learn about the changes to the medical plan and the new • Review and compare both opons. Make elecon changes, if necessary. • Check to make sure your providers are in-network at hcpdirectory.cigna.com (select the PPO Plan) or by calling 833-716-2159.• 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.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 (or email) for dates and mes.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 7There are two medical plan opons available. Both plans are considered comprehensive. When making your 2024 medical plan elecons, you can choose from:• The Cenvo High Deducble Health Plan (HDHP)• The Cenvo Preferred Provider Organizaon (PPO)Both plans ulize the Cigna PPO Plan provider network. Each Cenvo 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).With both medical plans it’s important that you have a Primary Care Physician (PCP) for you and each of your dependents covered under the plan. Your PCP will guide your care and help you get quality care.The PPO Plan provides a higher level of coverage and therefore, the monthly premiums are higher.The HDHP provides the same type of benets as the PPO 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, and the Medical Plan Comparison Charts. Refer to pages 15-16 to choose the medical plan that is right for you and your family.Plan and the HSA work, along with the PPO and HDHP also available for those documents at the end of this book. Copies of the SBCs are also included in your open enrollment packet.MEDICAL PLANNEWCheck to see if your providers are in the Cigna network. If not, you should consider changing to an in-network provider for the highest level of benets. Locate in-network providers for the PPO and HDHP plans at hcpdirectory.cigna.com (choose the PPO plan) or by calling 833-716-2159.YOUR OPEN ENROLLMENT CHECKLIST
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 8Cenvo is the medical plan administrator and will process your claims. You will contact Cenvo with any quesons you have regarding your medical plan. Under the Cenvo plan, you will ulize the Cigna PPO Plan network for both of the Cenvo Plans; PPO and HDHP. Refer to Searching for a Provider for informaon on how to look up providers who are in the Cigna PPO network. It is a good idea to check to see if your current provider is considered in-network for the highest level of benets. Cenvo will send your medical ID card (this card will also be your prescripon drug ID Card) later in December. The leer will include instrucons on how to nd your welcome materials online. How it Works Once your plan year begins, and you receive your ID Number, you will be able to create an account. 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. To Create Your Account Once you have your medical ID card and dates of birth for all covered dependents, you can create your account.Follow these instrucons to create a Cenvo account. 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 Searching for a Provider You can search for in-network providers online or by calling Cenvo Member Care at 833-716-2159. You can view the Cigna provider network for both the PPO and HDHP plans at hcpdirectory.cigna.com. When asked to login/register, choose “Connue as guest” and when asked to select a plan, choose “PPO.” You will use the PPO network for both the Cenvo PPO and HDHP plans. Once the plan year begins and you create your account with Cenvo, you’ll access this informaon in the Cenvo app at or by calling Cenvo Member Care. 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: + Access a digital ID card.+ Search for in-network providers.+ View details about your plan coverage.+ View your care history and Explanaon of Benets statements (EOBs).+ Send a message to Cenvo Member Care.MEDICAL PLANCenvo Member Care 833-716-2159Monday–Friday: 7am to 8pm CT
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 9CHANGES TO THE MEDICAL PLANS• The oce visit copayment will be reduced from deducble and then 25% coinsurance to a $10 copayment.No changes are being made to the deducbles or out-of-pocket maximums for either the PPO Plan or the High Deducble Plan for 2024. Both the PPO and the HDHP will be changing from UnitedHealthcare to Cenvo as the medical plan administrator with a provider network through Cigna. Express Scripts will connue as the administrator for prescripon drugs.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 10MEDICAL 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. * 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 Care Out-of-NetworkAnnual Deducble* (Family coverage is any coverage level other than Employee Only). No Individual cap appliesIndividual: $2,000Family: $4,000Individual: $4,000Family: $8,000Annual Out-of-Pocket Maximum* (Family coverage is any coverage other than Employee Only). Individual cap appliesIndividual: $4,300Family: $8,600Individual: $8,600Family: $17,200Coinsurance 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 20 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 45% 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 $15 copayPreferred Brand 25% aer deducble 25% aer deducbleNon-Preferred Brand 40% aer deducble 40% 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.Required 90-day ll at CVS pharmacy or home delivery of maintenance medicaons for lower cost of coverage. If requirements not met, member is responsible for 100% of the cost. The 100% does not count towards sasfying the deducble or out-of-pocket maximums.The SaveOnSP program is not available.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 11 * 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 Care Out-of-NetworkAnnual Deducble* (Family coverage is any coverage level other than Employee Only) Individual cap appliesIndividual: $850Family: $2,550Individual: $1,700Family: $5,100Annual Out-of-Pocket Maximum* (Family coverage is any coverage other than Employee Only) Individual cap appliesIndividual: $4,300Family: $8,600Individual: $8,600Family: $17,200Coinsurance 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)$10 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 20 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 45% 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) $15 copay (no deducble)Preferred Brand 25% aer deducble 25% aer deducbleNon-Preferred Brand 40% aer deducble 40% aer deducblePrevenve Prescripon Drugs covered under the Aordable Care Act (ACA) are covered at 100%. Required 90-day ll at CVS pharmacy or home delivery of maintenance medicaons for lower cost of coverage. If requirements not met, member is responsible for 100% of the cost. The 100% does not count towards sasfying the deducble or out-of-pocket maximums.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 / US EMPLOYEES (NON-WISCONSIN)PAGE 12Remember, 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 15-16 for information on How to Choose a Medical Plan.MEDICAL PLAN PREMIUMSThe medical plan monthly premiums are listed below.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, your monthly premium will be based on the plan you enroll in (PPO or HDHP), if you are an hourly or salaried employee, and whether or not you met the Wellness Program incenve requirements. Make sure you are looking at the chart based on your Wellness Program eligibility.COMPLETEDCoverage Level HDHP Plan PPO PlanEmployee Only $78 $125Employee + Spouse $170 $273Employee + Child(ren) $139 $225Family — Employee + Spouse + Child(ren) $231 $373NOT COMPLETEDCoverage Level HDHP Plan PPO PlanEmployee Only $120 $167Employee + Spouse $254 $357Employee + Child(ren) $181 $267Family — Employee + Spouse + Child(ren) $315 $457Coverage LevelMonthly SavingsAnnual SavingsEmployee Only $47 $564Employee + Spouse $103 $1,236Employee + Child(ren) $86 $1,032Family — Employee + Spouse + Child(ren) $142 $1,704HOURLY EMPLOYEESCOMPLETEDCoverage Level HDHP Plan PPO PlanEmployee Only $113 $163Employee + Spouse $247 $356Employee + Child(ren) $203 $293Family — Employee + Spouse + Child(ren) $336 $486NOT COMPLETEDCoverage Level HDHP Plan PPO PlanEmployee Only $155 $205Employee + Spouse $331 $440Employee + Child(ren) $245 $335Family — Employee + Spouse + Child(ren) $420 $570SALARIED EMPLOYEESHOURLY EMPLOYEESCoverage LevelMonthly SavingsAnnual SavingsEmployee Only $50 $600Employee + Spouse $109 $1,308Employee + Child(ren) $90 $1,080Family — Employee + Spouse + Child(ren) $150 $1,800SALARIED EMPLOYEES
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 13Telehealth 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 14The Bemis medical plans (HDHP and PPO 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 , 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 15 Under both medical plans it’s important to choose a Primary Care Physician (PCP) for you and each of your dependents covered under the plan. Your PCP will guide your care and help you to get to quality, in-network specialists when needed. Your PCP will monitor your care with all healthcare providers. 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 High Deducble Health Plan (HDHP) and the Preferred Provider Organizaon Plan (PPO). Both plans are administered by Cenvo and use the Cigna PPO Plan network. See pages 7-8 in this guide for details on providers in the Cigna network. If you see an out-of-network provider, your out-of-pocket costs will be higher. Refer to the Medical Plan Coverage Overview charts and the Summary of Benets Coverage documents included in your open enrollment packet, and also available on the Bemis Intranet or via the QR codes at the back of this guide for informaon on how benets are covered.CHOOSING YOUR MEDICAL PLANof users would recommend 2nd.MD to family or friends*of 2nd.MD consults result in improved treatment plans*of 2nd.MD consults lead to an alternate diagnosis*
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 16Plan Feature HDHP PPO Plan ConsiderationsMonthly PremiumsLower than the PPO PlanHigher than the HDHPThe HDHP has lower monthly premiums than the PPO 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.Deductible/Out-of-Pocket Maximum (OOPM)Deductibles are higher than the PPO. The OOPMs are the same in both plans.Deductibles are lower than the HDHP. The OOPMs are the same in both plans.The deducble is lower in the PPO Plan but the out-of-pocket maximum is the same in both plans. Based on your ancipated claims, are you comfortable with the higher deducble 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 HDHP and the PPO 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 (SBC) documents (SBCs are included in your open enrollment packet, are available on the Bemis Intranet and via QR codes at the back of this guide) to understand the dierences in how benets are paid.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 17The HDHP can be paired with a Health Savings Account (HSA)—a powerful tax-advantaged savings tool. The 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 20-23 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 included in your open enrollment packet and available on the Bemis Intranet or via the QR codes at the back of this guide.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) if available at your locaon. 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 PPO 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 PPO 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 PPO.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, preferred brand, non-preferred 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 18Everside Health and the Health and Wellness Center (HWC) (if available in your area) The services at the Everside Health clinic are also subject to the deducble.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%.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 Cenvo app or website for 100% coverage.• Cenvo Virtual Primary Care is covered at 100%.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 19The PPO PlanThe PPO allows for services to be covered dierently than the HDHP. Some of the coverage levels under the PPO 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 PPO plan by reviewing both of the Medical Plan Coverage Overview charts and the Summary of Benets and Coverage documents. The PPO 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 PPO WorksThe PPO 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 PPO 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 PPO provides for prescripon drug coverage through Express-Scripts. Your cost sharing for prescripons will be based on the prescripon you ll; generic, preferred brand, non-preferred 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 through Everside Health at 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.* Everside Health Wellness Centers are available in Wisconsin and North Carolina. HOW THE PPO PLAN WORKS
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 20Bemis 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 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.IMPORTANT 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.WEX Health866-451-3399Monday–Friday: 8am to 9pm CTcustomerservice@wexhealth.comwexinc.comWEX, Inc. App
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 21An 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 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 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 22Managing 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 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 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 23Whenever 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, our 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 24EligibilityAll full-me employees and dependents covered on a Bemis medical plan are eligible to join Everside Health. Full-me employees not covered on a Bemis medical plan are also eligible to join. EnrollmentIf you would like to use the services at the HWC, you simply enroll with Everside Health. There is no cost to enroll! Enrolling before you need care will save you me when you need to see the provider. Enrollment can be done online at members@eversidehealth.com or by calling Everside at 866 -808-6005. Virtual CareYou have expanded access to care!The clinic has an on-site medical provider two days a week. When a provider is not available, you have virtual care access. Having the ability to speak with a provider through a virtual visit may save you money versus going to an urgent care center or emergency room. Sign up with Everside so you are ready if you need to use care. The sta is happy to assist you with this process. Tuesday: 8AM–5PM Thursday: 7AM–4PM Monday thru Friday: 8AM–5PMEVERSIDE HEALTH AND f available in your area. Information provided is for the Lenoir, NC site
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 25 The services at Everside Health Bemis Health and Wellness Center have no out-of-pocket costs if you are enrolled in the PPO Plan. If you are enrolled in the HDHP or not covered under a Bemis medical plan, 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.(Bemis High Deducble Health Plan members and full-me employees without Bemis Health Plan Coverage)Medical Plan Provider Cost Per Visit* (until deductible is met)HDHP • Everside Health • $30Not enrolled in a Bemis medical plan• Everside Health • $30* Preventive Services are covered at 100%. Everside Health828-579-3330 (HWC Clinic) 866-808-6005 (Everside Health Member Services) members@eversidehealth.comVirtual Care888-417-5695NEED TO KNOWBemis provides the convenience of near-site primary care at no or low cost to you.Flu shots are available without cost in the fall of every year to all employees.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 26The Requirement to Receive the The requirement for receiving the medical premium incenve eecve January 1, 2025 is listed below. Please review the following informaon to make sure you are eligible for the premium incenve in 2025. Acon is required by the employee and any covered spouse (includes a spouse covered on the Bemis medical plan with primary or secondary coverage) by the deadline.To be eligible for the premium incenve in 2025, full-me employees enrolled in a Bemis medical plan (HDHP or PPO), and any covered spouse (primary or secondary coverage) must complete:• An annual physical with their Primary Care Physician (PCP) In order to be eligible to receive the 2025 medical (primary or secondary) must complete the above requirement between October 1, 2023 and September 30, 2024. Reference for the 2024 Wellness The deadline for receiving the 2024 Wellness Program . To be eligible for the premium incenve in 2024, full-me employees enrolled in the Bemis medical plan (HDHP or PPO), and any covered spouse (primary or secondary coverage) must have completed the following by the September 30, 2023 deadline:• An annual physical with their Primary Care Physician (PCP) OR• A biometric health screening at the Health and Wellness Center*Employees hired aer 6/30/2023 are eligible to receive the Premium Incenve for 2024. You will be required to meet the Wellness Program requirements to be eligible for any future Wellness Program Incenves. * Health Risk Assessment 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 will receive a summary of results to include health risk of the overall populaon.WELLNESS PROGRAM INCENTIVE
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 27Please 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. If you currently have a balance in your account, 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 ACCOUNTSWELLNESS PROGRAM INCENTIVE
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 28NEED 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 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 AccountsBemis 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 29Accessing 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.You can contact Diversied Benet Services to determine if you have any funds remaining in your HRA.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. to your Health Reimbursement Arrangement (HRA) is March 31, 2024. 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.NEWDiversied Benet Services (DBS)800-234-1229 262-367-3300 Employer PIN: Bemismfg
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 30Integrated 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.Delta Dental Delta Dental PPO orPremier Network800-236-3712 deltadentalwi.comYour 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.The Dental Plan oers benet coverage enhancements under a program called the Evidence Based Integrated Care Plan (EBIC). The program provides for addional cleanings and/or uoride treatments for parcipants with certain medical condions, and can play an important role in the management of these condions. The condions include the following:• Periodontal Disease• Diabetes• Pregnancy• High Risk Cardiac Condions• Suppressed Immune System Condions• Kidney Failure or Dialysis Condions• Cancer-Related Chemotherapy and/or RadiaonIf you or a covered dependent have one of the above condions, they can parcipate in the EBICP program. DENTAL PLANOpen the camera on your smartphone and scan the QR code to learn how EBICP can help each condion, or visit .
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 31DENTAL PLAN OVERVIEWPlan Provision PPO PremierDeductible AppliesContributes to Annual MaximumAnnual Deductible (Per person) $50Annual Maximum (Per person) $1,250Diagnostic and Preventive Care: Includes: exams, cleanings, fluoride treatments, sealants and x-rays100% 100% No Ye sBasic Services: Includes fillings, extractions, minor oral surgery, periodontics, and endodontics75% 75% Ye s Ye sMajor Services: Includes crowns, bridges and full and partial dentures50% 50% Ye s Ye sOrthodontia (Children up to Age 19) 50% ($1,000 Lifetime Maximum) No No2024 Dental Premiums Dental Plan premiums are listed below and are not changing in 2024.Coverage Level Hourly Rate Salaried RateEmployee Only $12.50 $15.50Employee + Spouse $25.00 $31.00Employee + Child(ren) $24.00 $30.00Family (Employee + Spouse + Child(ren) $38.00 $47.50
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 32VISION PLANThe vision plan is a comprehensive plan that can be used for roune vision exams, coverage for hardware (contacts and eye glasses), and oers addional discounts on Laser correcon, hearing care, and amounts over covered benets.NEED TO KNOWBemis oers you the opportunity to enroll in a vision plan separate from the medical plan allowing more exibility in your elecon choices.The EyeMed Vision Plan is a comprehensive plan and provides an easy and seamless process for obtaining your benet.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 $502024 Monthly Vision Premiums are not changing for 2024.Coverage LevelHourly and Salaried RateEmployee Only $5.00Employee + Spouse $10.00Employee + Child(ren) $10.00Family (Employee + Spouse + Child(ren) $15.00
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 33NEED TO KNOWBemis oers you the opportunity to enroll in a vision plan separate from the medical plan allowing more exibility in your elecon choices.The EyeMed Vision Plan is a comprehensive plan and provides an easy and seamless process for obtaining your benet.2024 Monthly Vision Premiums are not changing for 2024.Coverage LevelHourly and Salaried RateEmployee Only $5.00Employee + Spouse $10.00Employee + Child(ren) $10.00Family (Employee + Spouse + Child(ren) $15.00Vision 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 Lenses Plan allows member to receive either contacts and frame, or frames and lens services.VISION PLAN
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 34 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 PLANInsight Network866-800-5457eyemed.comBemis 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.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 35Principal administers the Bemis Employee’s Savings Plan (BES 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 PLANPrincipal800-547-7754 Monday–Friday: 7am – 9pm (CST)principal.comBe 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 ComPsych Guidance Resources800-272-7255 guidanceresources.comCompany ID: Com589Parcipaon in the Bemis Employees’ Savings Plan (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 BES 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 BES 401(k) 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 / US EMPLOYEES (NON-WISCONSIN)PAGE 36If you will be adding a spouse on your medical coverage, or if there is a change in your spouse’s eligibility for coverage at any me during the year, you must complete a new Spousal Medical Insurance Coverage Statement form. If your spouse is not accurately enrolled on the plan, any claims they incur may not be covered.• An employee’s full-me spouse with “aordable” medical coverage (as dened by the Aordable Care Act or ACA) available through their employer is only eligible to enroll in coverage on the Bemis medical plan on a secondary basis.• If your spouse has other coverage available, but their employer will not allow them to change coverage at this me, it will be necessary for you to make the change during the year when they are eligible to do so. Be sure to 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 above is not eligible for primary coverage on the Bemis medical plan.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 / US EMPLOYEES (NON-WISCONSIN)PAGE 37Once 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.• Change your medical plan opon—HDHP Plan or PPO 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 36 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 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, dental, and vision elecons will connue in 2024.• 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.
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 38Your 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.NEED 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.NOVEMBER 10, 2023
YOUR 2024 BEMIS BENEFITS GUIDE / US EMPLOYEES (NON-WISCONSIN)PAGE 39Scan the below QR Codes to download apps and more!EAPComPsych 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.MD866-841-2575VIRTUAL CARE & 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 PPO SUMMARY OF BENEFITS AND COVERAGEHDHP SUMMARY OF BENEFITS AND COVERAGEINFORMATION
This summary describes the benet updates for US Employees (Non-Wisconsin) 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