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YourBenefitsEffective January - December 2024

You must request a change to your benefitswithin 30 days of your life event (60 days forchanges involving Medicaid eligibility). Documentation may be required.Enroll nowYour benefits begin on the first day of the monthfollowing date of hire; this is your effective date.Be sure to submit your selections within your first30 days of benefits eligibility. Your benefit selections will be in effect throughDecember 31. When you're first eligible Open Enrollment is your one chance each year toreview your coverage options and make changesto your benefits.Your choices are in effect from January –December of the following year unless you have aqualifying life event. At Open Enrollmentmarriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare,Medicaid, or a spouse or parent's coverage. Qualifying life events allow you to change yourcoverage during the year outside of OpenEnrollment. These include: If you have a qualifying life eventYour benefit plans are in effect January 1 –December 31 each year. In general, there arethree times you can make benefit selections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours per week.Your Spouse or PartnerYou may also cover your eligible dependents whenyou elect coverage for yourself.Covering your familyMedical, dental and vision: until age 26regardless of student or marital statusChild life insurance: until age 21, or 26 if afull-time studentDependent children are eligible:You may cover your legal spouse or domesticpartner.Your childrenEmployee Navigator Instructions

Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).Referral/pre-authorizationSome specialty medical providersand services require a referral froma primary doctor. These may include- but are not limited to -cardiology, psychiatry, orthopedicsurgeons, rheumatology, surgery,and imaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you about certainrights and responsibilities you have as anemployee of Argosy Capital Group. Download nowHelpful terms & resourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, andwe want you to be prepared!

Medical insuranceAetna1-800-826-9781www.aetna.comHealth Savings Account (HSA)HSA Bank1-800-357-6246www.hsabank.comDependent Care FlexibleSpending Account (DCFSA)Catapult1-800-528-2398www.letscatapult.comEmployee Assistance Program (EAP)Guardian (Uprising Health)1-800-386-7055worklife.uprisinghealth.comWill PrepGuardian (Uprising Health)1-877-433-6789willprep.uprisinghealth.comDental insuranceGuardian1-800-482-7342www.guardianlife.comLife and AD&D insuranceGuardian1-800-482-7342www.guardianlife.comLong Term Disability insuranceGuardian1-800-482-7342www.guardianlife.comContact informationGetting started1-866-582-7378 Prompt 1myadvocate@onedigital.comMonday - Friday, 8:30am-5pm ESTBilingual (Spanish) assistance is availableOneDigital’s Client Advocacy Center (CAC) is here to help you withclaims, ID cards, coverage questions, and more!CAC Flyer

In-network careCPOS $3,000 HSA 100/50Network name:National PPOAnnual Deductible (DED)Out-of-pocket maximum$3,000 per person $6,000 family max$3,750 per person $7,500 family maxPre-tax account availabilityHealth care FSAPreventive carePrimary care visitSpecialist visitDiagnostic Exams/X-RaysComplex Imaging100% covered$0 after deductible$0 after deductible$0 after deductible$0 after deductibleUrgent careEmergency roomInpatient hospital careOutpatient hospital care$0 after deductible$500/visit, after deductible$0 after deductible$0 after deductiblePrescription drugsGeneric Preferred brand Non-preferred brand(30 days | 90 days)$10 copay after deductible | $20 copay after deductible$50 copay after deductible | $100 copay after deductible$80 copay after deductible | $160 copay after deductibleOut-of-network careAnnual deductibleCoinsurance Out-of-pocket maximum Balance billing applies$10,000 / $30,00050% after deductible $20,000 / $60,000Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheckCovered in Full by Argosy CapitalCovered in Full by Argosy CapitalCovered in Full by Argosy CapitalCovered in Full by Argosy CapitalSee plan detailsMedical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You'll get in-network preventive care at 100%, prescription drug coverage,and an annual limit on your expenses.Your medical plan is through Aetna.See your plan documents for out-of-network benefits.

Additional perksThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.There's more to love with these extra benefits. Mobile AppThis is where we add in perks and other benefits thatmay come with the medical plan. See plan detailsDiscount ProgramThis is where we add in perks and other benefits thatmay come with the medical plan. See plan detailsFitOnThis is where we add in perks and other benefits thatmay come with the medical plan. See plan details

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.If you coveryourself onlyIf you coverdependentsArgosy Capital Groupcontributes up to:$1,450$2,900You may alsocontribute:$2,700$5,4002024 IRS maximumcontribution $4,150$8,300Learn how HSAs canhelp you save fortoday and tomorrow.Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.Argosy Capital Group contributes to your HealthSavings Account (HSA) when you elect the HDHPmedical plan and meet IRS eligibility requirements. You may also contribute tax-free funds to save forcurrent and future health expenses:ContributionsHSA funds Spend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.Using your moneyThe money in your HSA is always yours and availablefor qualified health care expenses - even if you changejobs or health plans. Before retirement, any funds usedfor non-healthcare expenses are subject to taxpenalties. Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free, and come outtax-free when you use them for qualified healthexpenses. You may also be able to invest part of yourbalance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA forany use (not just health care!) without tax penalties. Eligibilitybe enrolled in a qualified High Deductible HealthPlan (HDHP),not be covered under any other non-HDHP healthcoverage, including a full health care FSA throughyour spouse,not be anyone else’s tax dependent, and not be eligible for or enrolled in Medicare A or B,Tricare, or VA benefits.In order to make – or receive – contributions to a HealthSavings Account (HSA), you must:An HSA through HSA Bank is paired with a High DeductibleHealth Plan (HDHP).Save pre-tax money for health care expenses – or retirement!

Pay for eligible child or disabled adult care while youwork or attend school.Dependent care FSASee details2024 maximum contribution$5,000Married filing separately? You can contribute up to $2,500 per person.Only the amount you’ve actually contributed isavailable for use at any one time.Estimate carefully! Unused funds will be forfeited atthe end of the year per IRS regulations.Dependent Care Flexible SpendingAccount (DCFSA)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Dependent care expenses can add up. Paying with tax-free funds can help.Enroll in dependent care flexible spending account depending on yourneeds.Pay for qualifying expenses with tax-free money using yourFlexible Spending Account through Catapult.

Employee AssistanceProgram (EAP)Confidential. No one at Argosy Capital Group will ever know you calledor what was discussed.Available 24/7/365. Life doesn't happen during office hours. The EAP ishere when you need them.Family care is included. Anyone living in your home is eligible for EAPservices at no cost.Face-to-face visits. When needed, each person can receive up to xface-to-face (or virtual) visits with a licensed counselor per issue peryear. At no cost. Additional visits - if needed - will go through yourhealth insurance.EAP features:Access Code: worklife24/7/365 access to care. 1-800-386-7055worklife.uprisinghealth.comThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.mental health concerns (including substance abuse or addiction),adoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,coping with day-to-day challenges, andso much more.Our Employee Assistance Plan (EAP) is a confidential service with access toguidance and resources at no cost for: Essentially, if it's part of your life, our EAP is here for you.Access support online, through live chat, or over the phone. 24/7/365.Everyone needs support sometimes (even superheroes)Care for your mind – and your life – with support throughGuardian (Uprising Health).Confidential care designed for all that life brings.See plan details

Password: GLIC0924/7/365 access to care. 1-877-433-6789willprep.uprisinghealth.comUsername: WillPrepWill PrepThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Care for your loved ones with support through Guardian(Uprising Health).

Dental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). You'll get in-network preventive care at 100% along with coverage for basicand major dental services.Orthodontic care is covered.Your dental coverage is through Guardian.Learn about dental care categoriesDental planNetwork name:DentalGuard Preferred NetworkIn-networkOut-of-networkAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$1,750 per person plus max rollover $1,750 per person Preventive care100% coveredBasic careDED then you pay 20%DED then you pay 20%Major careDED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime max benefitDED then you pay 50% $1,000Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheckCovered in Full by Argosy CapitalCovered in Full by Argosy CapitalCovered in Full by Argosy CapitalCovered in Full by Argosy CapitalSee plan detailsDental Rollover

Basic lifeBasic AD&DArgosy Capital Group provides$50,000$50,000See plan detailsFor youFor your spouseFor your child(ren)Infant*Coverage increments$10,000$5,000$5,000$500Coverage maximum$250,000Your (employee)coverage amount to $250,000$10,000$500Medical question limit$100,000$25,000Does not applyDoes notapplyYou may also purchase additional coverage for you, your spouse, and youreligible child(ren). Additional life and AD&D insuranceSee plan detailsLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through Guardian.Life and AD&D insuranceyour beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)What's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:Make sure to designate a beneficiary in Employee Navigator for your lifeinsurance coverage to ensure your family is cared for according to your wishes.Medical question limitWhen you’re first eligible (a newhire), you can purchaseadditional life insurance up tothis limit without any medicalquestions required. Medical questions and approvalwill be required for all futureincrease and purchase requests.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insuranceArgosy Capital Group provides life and AD&D insurance at no cost to you.*The infant benefit is limited to the first 2 weeks of life.

See plan detailsIf you make a disability claimwithin the first year of beingcovered, check your plan detailsto see how pre-existingcondition limitations mightimpact your coverage.Pre-existing conditionlimitations Benefits beginAfter 90 days of inability to workCoverage amount66.67% of your income up to $9,722 per monthPayments may continueUntil your Social Security Normal Retirement Age ifyou remain unable to work. (Age 65)Wish you knew moreabout finances? Nowyou can - at no cost!Disability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Protect your paycheck with disability insurance throughGuardian.Disability coverage insures your paycheck, replacing a portion of your incomeif you’re unable to work due to a covered illness or injury.Long-term disability coverage can provide lasting income protection if youremain unable to work. Argosy Capital Group provides this coverage at no costto you.Long-term disability

2024 benefits