Return to flip book view
OPEN ENROLLMENTYOUR BENEFITS FOR 2025BCT EMPLOYEESFOCUSING ON WHAT MATTERSDIVERSIFIED BENEFIT SERVICESFLEXIBLE SPENDING ACCOUNTHEALTHBENEFITSVISIONWELLNESSEMPLOYEE EXPERIENCEEYEMEDDENTAL DELTA DENTAL 401KPRINCIPALEMPLOYEE ASSISTANCE PROGRAM COMPSYCH CENTIVO EVERSIDEMEDICALVIRTUAL CARELIFE INSURANCEDISABILITYSYMETRAON-SITE HWC- PREVEAPHYSICAL THERAPY AND DIETICIAN MEDICAL CONSULT2ND MDEXPRESS SCRIPTSPRESCRIPTIONSHEALTHSAVINGSACCOUNTWEXPENSION
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 22025 Bemis Benefits Open EnrollmentAt 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:• Review your benets opons• Learn about what’s new and changes being made• Choose the plans that best meet the needs of you and your familyThe guide will include ps, checklists, and informaon about the benet opons and choices available to you. Our goal is to make it easy for you to understand, evaluate, and enroll in your benets.LINDA BLOOMER / Director Benets & PayrollWELCOME! VIEW ONLINE
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 32025 OPEN ENROLLMENT November 8, 2024.Open Enrollment is an 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. An Enrollment Checklist is provided to help you through the decision-making process. If you sll have quesons, aend an open enrollment meeng. Watch for posted noces for dates and mes. The choices you make during benets Open Enrollment stay in eect all year, through December 31, 2025—unless you experience a qualied life event. If you experience a qualied life event, any changes must be requested by you within 31 days of the event. See page 30 for details.See page 29 WHAT HAPPENS IF YOU DON’T ENROLL BY NOVEMBER 8, 2024?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 plans for 2025:• Your current medical, dental and vision elecons will connue.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 42025 BENEFIT HIGHLIGHTSMedical PlansThere are two medical plans for you to choose from, the Guided Care High Performance Plan (HPP) (formerly called PPO Plan) and the Guided Care High Deducble Health Plan (HDHP). Refer to the Medical Plan secon on pages 6-15 for the details and what is changing for 2025.• Deducbles, out-of-pocket maximums, and premiums are changing for the HPP plan. • Deducbles, out-of-pocket maximums, and premiums are changing for the High Deducble Health Plan.• Roune vaccinaons available through Rx pharmacyWellness ProgramThe wellness incenve is in the form of a reduced monthly medical plan premium if you met the Wellness Program requirements. The deadline for meeng the requirements for the 2025 incenve was September 30, 2024. See page 19 for more informaon.• Refer to the Wellness Program Incenve secon, page 19 for informaon on the requirements and deadlines for receiving the 2026 Wellness Program premium incenve.Dental PlanNo changes to the dental plan or rates for 2025. See pages 21-23 for details on the dental plan.Vision Plan• There are more opons available for coverage. The coverage level you select will determine your monthly premium.• Monthly premiums are changing for 2025.See pages 24-25 for informaon on the vision plan.Health Reimbursement Arrangement (HRA)Reminder that changes were made to the HRA starng in 2024. Refer to the HRA secon for more informaon regarding when the plan is closing and the minimum balance requirement to maintain an acve account prior to 12/31/2026.See pages 19-20 for details on this change. Health Care and Dependent Care Flexible Spending Accounts (FSAs)Do you typically have medical, prescripon, dental and vision expenses, or child care expenses that you pay out-of-pocket? FSAs enable you to pay for certain eligible expenses with pre-tax dollars.You decide how much money you want to contribute throughout the year. The money comes out of your pay before federal income tax and Social Security tax are taken out – and, in most cases, before state and local taxes are taken out too. This reduces your taxable pay and, as a result, your taxes.See page 20 for details on Flexible Spending Accounts. Health Savings Account (HSA)Enrolled in the High Deducble Health Plan? Take advantage of contribung to an HSA to save on your out-of-pocket costs or to save money for rerement.• To parcipate, make an elecon during open enrollment or at any me during the year. Contribuons to an HSA roll over year over year, which means no forfeitures.See pages 16-17 for details on the Health Savings Account.Bemis oers a 401(k) and Pension plan to assist you in meeng your rerement goals. The Principal • New employee catch-up contribuon maximum available to employees age 60-63.• Refer to the Rerement Plan secon of this guide, page 26, for more details. account is secure!NEED TO KNOWAre you enrolling your spouse in 2025? 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 28 for details on Spousal Secondary Coverage and the denion of a Dependent.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 5YOUR OPEN ENROLLMENT CHECKLISTBe Sure To Complete November 8th Deadline• Are you making a change to the dependents you cover under your medical, dental or vision plans? Gather complete names and Social Security Numbers.• If you plan to cover a spouse, review the spousal provisions (page 28) of the medical plan to be sure your spouse meets the eligibility requirements. If you are adding a spouse to your medical coverage, you must complete a Spousal Medical Insurance Coverage Statement form. Contact HR-Corporate Benets to obtain a form. • Review the denion of a dependent (page 28) to be sure they are eligible under the medical, dental, and vision plans.Learn about the changes to the medical plan.• Review and compare both opons. Make elecon changes, if necessary. • 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.• If you are newly enrolling you will have to choose a Primary Care Physician (PCP) to manage your health care. Check to make sure your PCP is in-network at or . • In January make sure you acvate your PCP with Cenvo if you are newly enrolling or have not previously acvated.Review the vision plan.• Understand the changes for covering dependents and the new opons available.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.• You must enroll each year to parcipate.• 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.• Make sure you have secured your rerement account. See page 26.• Watch for posted noces for dates and mes. Review the premiums under the medical, dental and vision plans.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 6There are two medical plan opons available to benet-eligible BCT employees. Both plans are considered High Performance Plans (HPPs). When making your 2025 medical plan elecons, you can choose from:• The Cenvo Guided Care High Deducble Health Plan (HDHP)• The Cenvo Guided Care HPP Plan (formerly called PPO)Each Cenvo Guided Care medical plan gives you access to coverage for the same comprehensive range of services, including medical, hospital, behavioral health, and prescripon drugs (provided through Express Scripts).Both Guided Care medical plans require you to choose a Primary Care Physician (PCP) then acvate your choice with Cenvo for you and each of your dependents covered under the plan. If you already have a designated PCP with Cenvo you are all set. You can change your PCP at any me during the year. Your PCP will guide your care and provide any necessary referrals; referring you to the right places and helping you to get quality, in-network specialists when needed. Certain services do not require a referral, such as behavioral health, OB/GYN, and urgent and emergency care. More informaon and a complete list of services not requiring a referral is available under the Medical Plan secon. Your PCP will monitor your care with all health care providers. Make sure you understand how the plans work to avoid addional out-of-pocket costs.The Guided Care HPP Plan provides a higher level of coverage and therefore, the monthly premiums are higher.The Guided Care HDHP provides the same type of benets as the HPP plan but may have higher out-of-pocket costs and therefore the monthly premiums are lower. To determine which plan is best for you, review and compare monthly premiums, deducbles, out-of-pocket maximums, the Medical Plan Comparison Charts, your family’s medical plan usage, the Summary of Benets and Coverage documents, and your interest in being able to contribute to a Health Savings Account (HSA) that provides signicant tax advantages. See .For addional details on how the HDHP and HSA works including claim examples, refer to the QR code or contact HR corporate benets for a paper copy.MEDICAL PLANUnder the Guided Care medical plans you must choose a PCP for each person covered under your plan. The process of choosing a PCP is called Acvang. If you already have a PCP acvated with Cenvo, you do not have to acvate again unless you would like to make a change to your Primary Care Provider. There are higher out-of-pocket costs for not acvang or receiving the required referrals. Make sure you understand how the plans work.REFERRALSIf you see a specialist on a regular basis make sure you have a referral on record with Cenvo. Referrals are good for one year. You may need to have your PCP reauthorize your referral.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 7 Activate Your Account with Centivo Follow these instrucons to create a Cenvo account and acvate. If you are newly enrolling in the medical plan or have not created an online account. You’ll need the informaon included in your Welcome kit or on your ID card.• Go to • Click “First me? Click here”• Enter Name, Date of Birth, ID number, and Zip Code• Enter email address and choose communicaon preference.• Create username and password.• Click Create Account, Verify Account, Login• Search for a doctor by name or enter your preferences to search by locaon, specialty, and gender.• Click “Choose this Provider” when you nd the doctor you want. • Connue this process for everyone covered on your plan (dependents). PCP Information Cenvo plans are built around a partnership between you and your personally selected Primary Care Team. It’s important that you and all covered family members have a Primary Care Provider (PCP) before you acvate your account. Begin the process now to check that your current provider is in-network under the plans or establish a relaonship with a new PCP so that you receive care at the highest benet levels under the plans.subject to higher out-of-pocket costs.The Bemis medical plans use the Cenvo WI-2 network which is comprised of high-quality providers including the providers at the Everside Health Clinics and Cenvo’s Virtual Primary Care Providers. Health systems included in the Cenvo WI-2 network include Ascension, Children’s Wisconsin, Froedtert, Hospital Sisters Health System (St. Nicholas Hospital), Independent Physicians Network, Medical College of Wisconsin, Prevea Health, and ProHealth Care. Referral Process Referrals are an important part of how your plan works. To ensure you get the right care at the lowest cost, work with your primary care doctor to get referrals.• See the primary care doctor you’re acvated with for a referral. They’ll submit the referral to Cenvo on your behalf. It can take 1-5 business days for a provider to send a referral.• When the referral is received, it appears in the Cenvo app or . Once you see the referral, schedule an appointment with the provider. Referrals are good for one year. • Referrals are not required for: + Emergency or urgent care + OB/GYN care + Behavioral health care + Physical, occupaonal or speech therapy + Chiropracc care + Alternave medicine covered by your plan + Lab, x-rays, and other covered tests ordered by your designated primary care doctor or a specialist for which you have a referral. • You’ll pay more for your care if you: + Haven’t selected your primary care doctor (acvated). + Get a referral from a provider other than your acvated primary care doctor or a member of their team. + Go to a specialist without a referral.Log into your account to see your referral. Call Cenvo Member Care at the number on your Cenvo ID card with any quesons or to check the status of a referral. Searching for a Provider You can search for in-network providers online at or if not registered through the app or by calling Cenvo Member Care at . Once you create your account with Cenvo, you’ll access this informaon in the Cenvo app at Mobile App Information Cenvo members have access to the Cenvo mobile app, a powerful tool to put all of your health plan informaon at your ngerps. Here’s how to download the app.• Download the app by texng DOWNLOAD to 65021, by vising your app store, or by going to .• Here are just some of the things you can do on the app: + Choose your primary care provider and acvate. + Access a digital ID card. + Search for in-network providers. + View details about your plan coverage. + View referrals. + View your care history and Explanaon of Benets statements (EOBs). + Send a message to Cenvo Member Care. + If you are newly enrolling you will need your member number from your ID card that you will receive in the mail later in December. Medical Plan Changes For 2025 the deducble and out-of-pocket maximums are changing. Please review all of the changes on the following pages.MEDICAL PLANFOR INFORMATION CONTACT:Cenvo Member Care Monday–Friday, 7am to 8pm CTWebsite: App: Cenvo
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 8CHANGES TO THE GUIDED CARE HIGH PERFORMANCE PLANS • Premiums are changing for 2025.• Deductibles and out-of-pocket maximums are changing for 2025.• Premiums are changing for 2025.• Deductible and out-of-pocket maximums are changing. These changes were necessary per the negotiated contract to make adjustments based on regulatory minimums for qualified HDHPs.• Non-preventive virtual care visits will be subject to the deductible and coinsurance requirements unless the regulation are extended to continue with 100% coverage for telehealth visits. Roune vaccinaons are now available through Express Scripts prescripons drug benet to help you stay healthy. You can now receive roune vaccinaons covered by your Express Scripts prescripon drug plan at a parcipang in-network retail pharmacy. Cost associated with the vaccinaons are based on the plan that you are enrolled in HPP or HDHP. As a reminder prevenve benets are covered at 100% under both plans.• Check with your in-network pharmacy to make sure they can administer the recommended vaccinaons• Present your member ID card at the pharmacy (your member ID card is the same as your medical ID card)• Examples of vaccines include: COVID-19, Flu, Pneumonia, Shingles/zosterChange for 2025, virtual care visits under the HDHP plan will again be subject to the deducble and coinsurance. Subject to an extension by the government to connue to allow the $0 copay under HDHP plans.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 9Deductible and Out-of-Pocket Maximum Changes to the High Performance Medical Plan (HPP)The annual deducbles will be changing as outlined in the table below, eecve January 1, 2025.Out-of-Pocket Maximums (OOPMs): The annual out-of-pocket maximums (OOPMs) will be changing as outlined in the table below, eecve January 1, 2025.Out-of-Pocket Maximums (OOPMs): The annual out-of-pocket maximums (OOPMs) will be changing as outlined in the table below, eecve January 1, 2025.Deductible and Out-of-Pocket Maximum Changes to the High Deductible Health Plan (HDHP)The annual deducbles will be changing as outlined in the table below, eecve January 1, 2025.Coverage level Current 2025 Current 2025Employee Only $675 $725 $1,350 $1,450Family* $1,350 $1,450 $2,700 $2,900Coverage levelHPP Guided Care In-Network OOPM** HPP Out-of-Network OOPMCurrent 2025 Current 2025Employee Only $3,375 $3,425 $6,750 $6,850Family* $6,750 $6,850 $13,500 $13,700Coverage levelHDHP Guided Care In-Network OOPM** HDHP Out-of-Network OOPMCurrent 2025 Current 2025Employee Only $4,000 $4,050 $8,000 $8,100Family* $8,000 $8,100 $16,000 $16,200Coverage level Current 2025 Current 2025Employee Only $1,600 $1,650 $3,200 $3,300Family* $3,200 $3,300 $6,400 $6,600 * Family coverage is any coverage level other than Employee Only.** Your out-of-pocket costs (excluding deducble) for in-network unguided care will apply to the out-of-network out-of-pocket maximum, however, the total out-of-pocket maximum between in-network guided care and in-network unguided care will not exceed the ACA out-of-pocket maximum limits for essenal health benets.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 10There will be a new virtual vendor as of January 1, 2025. Until then, please continue to use Walmart Virtual Care. Information regarding the new vendor will be provided when it becomes available.TELEHEALTH VIRTUAL CARE PROVIDER WALMART HEALTH VIRTUAL CAREVIRTUAL TALK THERAPY AND MENTAL HEALTH RESOURCESNEWCenvo provides a variety of Talk Therapy opons and oers resources to help you nd the ideal therapist to meet your needs. Cost for services are based upon the coverage for the plan you are enrolled in.Mind & MatchMind and Match is a naonwide network of licensed psychologists oering virtual therapy.Begin your provider search now at and choose Mind & Match.Talkiatry is a naonal virtual psychiatry oering from Cenvo. They provide services for children 5 and up and adults. Talkiarty treats the following; ADHD, Anxiety, Depression, Insomnia, Postpartum depression, and PTSD/Trauma and more.To get started take an assessment at or call 833-351-8255.Array makes it easy to access psychiatry and therapy clinicians through convenient, online video calls. Type of services include; Psychiatric Assessments, Medicaon Management, and Talk Therapy.Go online to or call 800-442-8938 to get started and book an appointment.BrightlineBrightline provides virtual mental health care for children and adolescents. Visit or call 888-224-7332.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 . 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 plans How it Works Acvate your account and request a consult. Visit , download the 2nd.MD app via App Store or Google Play, or call SECOND OPINION PROGRAM2. Speak with a nurse. Explain your medical issues and an experienced nurse will collect medical records and connect you with a leading specialist who is an expert in your condion.3. 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!You will receive a wrien summary of your consultaon so you’re prepared to speak with your doctor or, 2nd.MD can refer you to another in-network doctor.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 11Remember, the premiums you pay for medical coverage are only one factor to consider when deciding which plan is right for you. It’s important to evaluate each plan before you enroll. See pages 14-15 for information on How to Choose a Medical Plan along with all the information in this guide, the Summary of Benefits and Coverage (SBC), and your family’s medical plan usage.MEDICAL PLAN PREMIUMSPer the 2023 contract negoaons, the medical plan monthly premiums are listed below.The Wellness Program Incenve was changed to a Monthly Premium Incenve. To receive the lowest premiums under your elected plan, you must have met the Wellness Program requirements by the deadline (refer to the Wellness Program Incenve secon for details). When reviewing the premiums below, make sure you are looking at the chart based on the plan you are enrolling in and your Wellness Program eligibility.COMPLETEDCoverage Level Guided Care HDHP Plan Guided Care HPP PlanEmployee Only $8 $78Employee + Spouse $63 $208Employee + Child(ren) $58 $188Family—Employee + Spouse + Child(ren) $78 $288NOT COMPLETEDCoverage Level Guided Care HDHP Plan Guided Care HPP PlanEmployee Only $50 $120Employee + Spouse $105 $250Employee + Child(ren) $100 $230Family—Employee + Spouse + Child(ren) $120 $330Coverage Level Annual SavingsEmployee Only $70 $840Employee + Spouse $145 $1,740Employee + Child(ren) $130 $1,560Family—Employee + Spouse + Child(ren) $210 $2,520
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 12MEDICAL PLAN COVERAGE OVERVIEWThese charts compare the basic provisions of the Cenvo Medical Plan opons. The amounts shown in the tables reect your out-of-pocket cost for services unless otherwise indicated. PCP referrals are required for services except for urgent care; emergency care; OB/GYN care; behavioral health care; chiropracc care; physical, occupaonal, and speech therapy; alternave medicine covered by the plan; lab, x-rays, and other covered tests ordered by your designated primary care doctor or a specialist for which you had a referral, and pre-cercaon may be required depending on the diagnosc test.Coverage for in-network unguided care will be at the out-of-network benet levels (except for the deducble) and will apply to the out-of-network out-of-pocket maximum, however, the total combined out-of-pocket maximum between in-network guided care and in-network unguided care will not exceed the ACA out-of-pocket maximum limits for essenal health benets. * In-Network and Out-of-Network deducble and Out-of-Pocket maximums accumulate separately.** Retail pharmacy 90-day supply available at 3x the 30-day supply cost.All covered benets are subject to medical necessity as determined by the claims administrator. In-Network Guided Care Out-of-NetworkAnnual Deducble* (Family coverage is any coverage level other than Employee Only). No Individual cap appliesIndividual: $1,650Family: $3,300Individual: $3,300Family: $6,600Annual Out-of-Pocket Maximum* (Family coverage is any coverage other than Employee Only). Individual cap appliesIndividual: $4,050Family: $8,100Individual: $8,100Family: $16,200Coinsurance 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 (refer to page 8) Deducble; then 25% coinsurance 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 + $150 copayIn-network deducble; then 25% coinsurance + $150 copayAmbulance Deducble; then 25% coinsuranceIn-network Deducble; then 25% coinsuranceChiropractor (limited to 18 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceDurable Medical Equipment Deducble; then 25% coinsurance Deducble; then 45% coinsuranceHome Health Care (maximum 40 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceMental Health and Chemical Dependency: Outpaent Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (occupaonal, physical, speech, respiraon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (chemotherapy and radiaon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceVision Exam Deducble; then 25% coinsurance Deducble; then 25% coinsurancePrescripon Drugs (In-Network medical deducble and out-of-pocket maximum applies)Retail Pharmacy (Up to a 30-day supply)** Mail Order (31 to 90-day supply)Generic Deducble; then $10 copay Deducble; then $10 copaySingle-Source Brand 25% aer deducble 25% aer deducbleMul-Source Brand 30% aer deducble 30% aer deducblePrevenve Prescripon Drugs covered under the Aordable Care Act (ACA) are covered at 100%. Covered prescripon drugs that are listed on the Express Scripts CDH Prevenve Medicaons—Standard Plus list are covered without deducble. Only the applicable copayment or coinsurance will apply.The SaveOnSP program is not available.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 13 * In-Network and Out-of-Network deducbles and Out-of-Pocket maximums accumulate separately.** Retail pharmacy, 90-day supply available at 3x the 30-day supply cost.All covered benets are subject to medical necessity as determined by the claims administrator. In-Network Guided Care Out-of-NetworkAnnual Deducble* (Family coverage is any coverage level other than Employee Only) Individual cap appliesIndividual: $725Family: $1,450Individual: $1,450Family: $2,900Annual Out-of-Pocket Maximum* (Family coverage is any coverage other than Employee Only) Individual cap appliesIndividual: $3,425Family: $6,850Individual: $6,850Family: $13,700Coinsurance 25% 45%Prevenve Care (per ACA guidelines) Covered at 100% Deducble; then 45% coinsurancePCP Oce Visit (includes mental health oce visits and virtual or telephonic visits)$5 copay per visit Deducble; then 45% coinsuranceCenvo Virtual Primary Care Visits $0; deducble does not apply N/ASpecialist Oce Visit Deducble; then 25% coinsurance Deducble; then 45% coinsuranceLab and X-rays Deducble; then 25% coinsurance Deducble; then 45% coinsuranceOutpaent Surgery Deducble; then 25% coinsurance Deducble; then 45% coinsuranceInpaent Hospitalizaon (including Mental Health & Chemical Dependency)Deducble; then 25% coinsurance Deducble; then 45% coinsuranceUrgent Care Deducble; then 25% coinsuranceDeducble; then 45% coinsurance In-network benets apply if out of areaEmergency Room (copay waived if admied)Deducble; then 25% coinsurance + $150 copayIn-network deducble; then 25% coinsurance + $150 copayAmbulance Deducble; then 25% coinsurance Deducble; then 45% coinsuranceChiropractor (limited to 18 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceDurable Medical Equipment Deducble; then 25% coinsurance Deducble; then 45% coinsuranceHome Health Care (maximum 40 visits per calendar year) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceMental Health and Chemical Dependency: Outpaent Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (occupaonal, physical, speech, respiraon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceTherapy (chemotherapy and radiaon) Deducble; then 25% coinsurance Deducble; then 45% coinsuranceVision Exam Deducble; then 25% coinsurance Deducble; then 25% coinsurancePrescripon Drugs (In-Network medical deducble and out-of-pocket maximum applies); excludes SaveOnSP drugsRetail Pharmacy (Up to a 30-day supply**) Mail Order (31 to 90-day supply)Generic $10 copay (no deducble) $10 copay (no deducble)Single-Source Brand 25% aer deducble 25% aer deducbleMul-Source Brand 30% aer deducble 30% aer deducblePrevenve Prescripon Drugs covered under the Aordable Care Act (ACA) are covered at 100%. SaveOnSP Specialty Pharmacy Copay Assistance Program. Applies to specialty drugs on the SaveOnSP list. 30% coinsurance does not apply towards sasfying deducbleEnrolled in SaveOnSP $0 SaveOnSP monitors for no costNot enrolled in SaveOnSP 30% coinsurance (does not count towards sasfying your deducble or OOPM)MEDICAL PLAN COVERAGE OVERVIEW
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 14Bemis oers two medical plans—the Guided Care High Deducble Health Plan (HDHP) and the Guided Care High Performance Plan (HPP). Both plans are administered by Cenvo and use the Cenvo WI-2 network. Both Guided Care medical plans require you to choose a Primary Care Physician (PCP) (called acvang) for you and each of your dependents covered under the plan. Your PCP will guide your care and provide any necessary referrals; helping you get to quality, in-network specialists when needed (see below for certain services that do not require a referral). Your PCP will monitor your care with all healthcare providers. Make sure you understand how the plans work to avoid addional out-of-pocket costs.Choosing your medical plan is an important decision; take the me to read all of the informaon in this open enrollment guide, read the addional informaon regarding the HDHP and HSA available through the QR code (refer to page 6) or requesng a paper copy from HR Corporate benets, and aending an open enrollment meeng so you can make an informed decision. Both of the Guided Care plans: require referrals for most services. When you need care outside of your PCP, your physician will refer you to quality in-network specialists. See pages 6-7 in this guide for details on choosing your PCP. If you do not acvate with a PCP or do not receive the required PCP referrals, you will have higher out-of-pocket costs. Refer to the Medical Plan Coverage Overview charts and the Summary of Benets Coverage documents for informaon on how benets are covered.• Urgent care• Emergency care• OB/GYN care• Behavioral health care• Chiropracc care• Physical, occupaonal, and speech therapy• Alternave medicine covered by the plan• Lab, x-rays, and other covered tests but your designated primary care doctor or a specialist for which you had a referral must order these services, and pre-cercaon may be required depending on the diagnosc test.Referrals for In-Network Care or Don’t Use If you DO NOT obtain the required PCP referrals, or see a PCP other than the one you acvated with Cenvo, you will have higher out-of-pocket costs even if you used an in-network provider. If you see an in-network provider without a PCP referral, or see a PCP who you have not acvated, your coverage will be at the out-of-network benet levels (except for the deducble) and will apply to the out-of-network out-of-pocket maximum.* CHOOSING YOUR MEDICAL PLAN an in-network provider. There are higher out-of-pocket costs.* The total combined out-of-pocket maximum between in-network guided care and in-network unguided care will not exceed the ACA out-of-pocket maximum limits for essenal health benets.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 15Plan Feature HDHP HPP Plan ConsiderationsMonthly PremiumsLower than the HPP PlanHigher than the HDHPThe HDHP has lower monthly premiums than the HPP Plan. This is one consideraon when deciding which plan is best for you and your family. If you choose the HDHP, it is recommended that you contribute the dierence in premiums to your Health Savings Account for future out-of-pocket expenses or saved for health care expenses in rerement.Health Savings Account (HSA)Make pre-tax contribuons to the HSA through payroll deduconsNot availableAn HSA allows for triple-tax savings. Contribuons are pre-tax, earnings grow tax-free, and funds can be used for eligible expenses or saved as part of your rerement health strategy. The funds are yours to keep.Deductible/Out-of-Pocket Maximum (OOPM)Deductibles and OOPMs are higher than the HPPDeductibles and OOPMs are lower than the HDHPThe deducble and the out-of-pocket maximums are lower in the HPP Plan. Based on your ancipated claims, are you comfortable with the higher deducble and OOPM, if enrolling in the HDHP?Consider the lower HDHP premiums and the ability to take advantage of a Health Savings Account.Family caps on Deductible and Out-of-Pocket MaximumIndividual cap only applies to the OOPMIndividual caps apply to the deductible and OOPMPlan CoverageBoth plans cover the same health care services (office visits, prescriptions, hospitalizations, etc.), just at different benefit payment levels such as deductibles and coinsurance.Things to Consider When Choosing Your Medical PlanConsider the following when you are deciding between the Guided Care HDHP and the Guided Care HPP plans:. Factor in more than your monthly premium 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, review the Medical Plan Coverage Overview charts, and the Summary of Benets and Coverage documents, and review the HDHP and HSA document on how the plans work to understand the dierences in how benets are paid.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 16Bemis partners with WEX Health to administer your Health Savings Account (HSA). Your pre-tax payroll contribuon will be deposited into an account that WEX Health opens for you.If you newly enroll in the Bemis Guided Care HDHP medical plan and elect to contribute to a Health Savings Account (HSA) through pre-tax contribuons, you can expect the following and will want to do your part to make sure your account is set up to accept your contribuons. • Your account will be opened eecve January 1, 2025. • 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 2025 Benets Open Enrollment form under the HSA Elecon to receive important informaon about your account. If you don’t provide an email, you’ll have to contact WEX Health directly for your account login informaon.FOR QUESTIONS CONTACT:WEX HealthMonday–Friday, 8am to 9pm CTcustomerservice@wexhealth.comwexinc.comWEX, Inc. App
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 17In order to contribute to an HSA account through pre-tax payroll deducon, you must:• Parcipate in the Bemis Guided Care HDHP medical plan.• Not be covered under another medical plan that is not a qualied High Deducble Health Plan.• Not be parcipang in a tradional Health Care Flexible Spending Account (FSA) or general-purpose Health Reimbursement Account (HRA).+ Includes FSA and HRA plans oered by your spouse’s employer.+ You are able to contribute to a Limited Purpose FSA or HRA which allows for reimbursement for dental and vision expenses only.• Not be claimed as a dependent on another person’s tax return (spouses are not considered dependents).• Not be enrolled in Medicare Parts A and/or Part B or D. The IRS does not allow contribuons to an HSA once you enroll in Medicare. If you are or will be turning age 65, contact your tax advisor to discuss your ability to contribute to your HSA. It’s important to understand your Medicare eecve date, if you are planning to rere and contribung to an HSA.Your HSA can be a part of your rerement health care planningbecause you can save the funds to use on health care expenses in rerement.NEED TO KNOWIt is your responsibility to make sure you are eligible to contribute to an HSA. Eligibility is measured on the rst day of every month on or aer the HDHP coverage takes eect.There are tax consequences for contribung if you are not eligible. Check with your tax advisor.2024 Limits 2025 LimitsEmployee Only $4,150 $4,300Family $8,300 $8,550If you are age 55 or older by the end of the calendar year that you are contribung for, you can make an addional catch-up contribuon of $1,000.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. You contribute through pre-tax payroll deducons, up to the limit set by the IRS.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.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 18New name same great care. Everside and Marathon Health have come together to beer serve their paents. Going forward Everside is now known as Marathon Health. Rebranding from Everside to Marathon Health will occur in the coming months. You should not see a change in your care under Marathon Health.All full-me employees and dependents covered on a Bemis medical plan are eligible to join Marathon Health. Full-me employees not covered on a Bemis medical plan are also eligible to join. How Marathon Works With the Bemis Medical PlanIf you are enrolled in one of the Bemis medical plans, you can only choose to acvate one PCP with Cenvo. You can choose to use one of the PCPs at the Marathon Health clinic or another in-network PCP; you cannot choose both.To designate a Marathon provider as your Primary Care Provider (PCP), simply let them know and acvate the Marathon provider with Cenvo. Costs for Services at Marathon HealthThe services at Marathon Health have no out-of-pocket costs if you are enrolled in the Guided Care HPP or not covered under a Bemis medical plan. If you are enrolled in the Guided Care HDHP prevenve services are available with no out-of-pocket costs. Non-prevenve services are subject to your medical plan deducble. Once you have met the deducble, HWC services are covered at 100%. Refer to the below chart for cost of services.EVERSIDE HEALTH HAS A NEW NAME: MARATHON HEALTHFOR QUESTIONS CONTACT:Marathon HealthMedical PlanCost Per Visit (until deductible is met)Guided Care HPP or no Bemis medical coverage • $0Guided HDHP • $30* Preventive Services are covered at 100%. The Bemis on-site Health and Wellness Center provides Physical Therapy (PT) Services for Bemis employees and dependents covered on a Bemis medical plan.If you are enrolled in the Bemis HPP Plan, PT visits have no cost. If you are enrolled in the Bemis HDHP, PT visits cost $40. When you see a physical therapist outside of the Bemis on-site clinic, your services will be subject to the deducble and coinsurance. Medical Plan ServicesCost Per Visit* (until deductible is met)Guided Care HPP or no Bemis medical coverage• Physical Therapy• Dietitian• $0• $0Guided HDHP• Physical Therapy• Dietitian• $40• $25FOR QUESTIONS CONTACT:Prevea Physical Therapy and Diecian Services844-459-2745 DIETICIAN SERVICES
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 19FOR QUESTIONS CONTACT:Marathon HealthThe incenve will be in the form of a reduced monthly medical plan premium for employees enrolled in a Bemis medical plan. The requirements for receiving the 2025 Wellness Program incenve are listed below. September 30, 2024. The requirements to be eligible for the reduced Bemis medical plan monthly premium are listed below. Acon was required by both the employee and any covered spouse.To be eligible for the medical plan premium discount ($42 per month), the full-me covered employee and covered spouse (includes a spouse covered on the Bemis HPP or HDHP Plan with primary or secondary coverage) must complete: • An annual physical with their Primary Care Physician (PCP) Full-me employees not meeng the above requirements will not be eligible for reduced medical plan premiums in 2025. To be eligible for the reduced monthly medical premium discount eecve January 1, 2026, the full-me covered employee and covered spouse (includes a spouse covered on the Bemis HPP or HDHP Plan with primary or secondary coverage) must complete the following:• An annual physical with their Primary Care Physician (PCP)The above requirement must be met between October 1, 2024 and September 30, 2025. If the requirements are met, the employee will be eligible for the medical monthly premium discount of $42 in 2026. Employees who do not meet the requirements for a premium incentive will not be eligible for a premium reduction.Please note: Individual results are strictly condenal under the Health Insurance Portability and Accountability Act of 2006 (HIPAA). Your individual results will not be shared with Bemis. Bemis may receive a summary of results to include health risk of the overall populaon.WELLNESS PROGRAM INCENTIVE Important Reminders Regarding the HRA PlanEecve as of December 31, 2023, a $50 account balance minimum was 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.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 are included on the following page. SPENDING ACCOUNTSIf 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.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 20NEED TO KNOWYou can roll over up to $640 in 2025 from your 2024 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 $640 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*2024 Annual Contribution Limits**General Purpose Health Care FSA $3,200 per yearLimited Purpose Health Care FSA $3,200 per yearDependent Care FSA$5,000 per year$2,500 per year if married and filing separate tax returns* For a complete list of eligible FSA expenses, visit irs.gov/publications > Publication 969.** IRS limits are subject to change.If you have funds remaining in your Health Care Flexible Spending Account as of December 31, 2024, up to $640, they can be rolled over to 2025. The $640 carry-over does not apply to the Dependent Care FSA. Except for the Health Care FSA carry-over, the IRS imposes a “use-it or lose-it” rule on FSAs; take this into consideraon when making your annual elecons.If you are newly enrolling in the Guided Care HDHP for 2025, any funds remaining in your general-purpose Health Care FSA as of December 31, 2024, will be considered “Limited” as of January 1, 2025. Medical claims incurred in 2024 can be used against your 2024 balance and must be submied for reimbursement before the April 30, 2025, claim ling deadline.How to Use Your FSA Prior Year BalancesHealth Care or Dependent Care FSAIf you have 2024 funds in your Health Care or Dependent Care Flexible Spending Accounts (FSAs),or need to submit 2024 claims against your Health Reimbursement Arrangement (HRA) aer December 31, 2024, 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 2024 balance. To apply 2024 claims to your 2024 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.FSAs and HRA Deadlines for 2024 ClaimsThe deadline for subming claims to Diversied Benet Services, against your 2024 Health Care and Dependent Care FSA account balances is April 30, 2025. Any funds remaining in your 2024 Health Care FSA, up to $640, are eligible for carryover in 2025. Arrangement (HRA); however, keep in mind if your account balance is less than $50 on December 31st of any calendar year (2024 or 2025), those funds will be forfeited and not eligible for reimbursement. Make sure to submit claims prior to 12/31/2024 if your balance is below $50 at the end of 2024 to avoid forfeiture of your account balance.FOR QUESTIONS CONTACT:Diversied Benet Services (DBS) Employer PIN: Bemismfg
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 21Don’t forget about the Evidence-Based Integrated Care Plan (EBICP) that provides extra benets for parcipants with certain medical condions that have oral health implicaons. The program provides addional cleanings and/or uoride treatments and can play an important role in the management of the following condions;• Periodontal Disease • Diabetes • Pregnancy • High risk cardiac condions • Suppressed Immune System condions • Kidney Failure or Dialysis • Cancer treatmentDENTAL PLANOpen the camera on your smartphone and scan the QR code to learn how EBICP can help each condion, or visit .FOR QUESTIONS CONTACT:Delta Dental Delta Dental PPO orPremier Networkdeltadentalwi.com2025 Dental PremiumsCoverage Level Employee Only $10Employee + Spouse $20Employee + Child(ren) $20Family (Employee + Spouse + Child(ren) $25No changes are being made to the 2025 dental plan rates.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 22Your smile can give clues to your overall health. More and more studies over the years show a connecon between oral health and overall health in both adults and children. Having a primary care denst is just as important as your medical plan PCP. If you do not have a primary care denst, now is a great me to establish a relaonship. You can locate an in-network denst online or by calling Delta Dental Customer Service.DENTAL PLAN OVERVIEWBenefit Deductible AppliesDeducble: $50 per family member per year (Group III) $75 per family member per year (Group IV)Annual Benefit Maximum: $1,250 per family member per year (applies to Groups I-III) $5,000 per family member (applies to Group V)$3,000 per family member per year (applies to implants) Orthodontic Lifetime Maximum: $1,000 per dependent under age 19Cleaning & Exams Covered at 100%—2 per year per family member NoPreventative X-rays• Bite Wing X-rays • Full-mouth X-rays 75%/25% 1 set of 4 per family member per year75%/25% 1 set every 2 years per family memberNoTopical Sealants Covered at 100% NoFluoride Treatment Covered at 100%—Twice per year for dependent children to age 19 NoEvidence-Based Integrated Care Plan Covered at 100% for certain medical conditions NoPeriodontal MaintenanceCovered at 100%—Either Periodontal maintenance or adult Prophylaxis—2 per family member per yearEmergency Treatment (in denst’s oce) 60%/40%—Per occurrence per family member NoFillings60%/40%—Per occurrence per family member NoSingle Crown 60%/40%—2 per family member per year Ye sRepairs—Crown60%/40%—1 per family member per year Ye sNon-Surgical Endodoncs (Root Canal) 60%/40%—1 per family member per year Ye sNon-Surgical Periodontics 60%/40%—As needed Ye sTMJ Mouth Guards (provider prescribed) 60%/40%—1 per family member per year Ye s
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 23Benefit Deductible AppliesDeducble: $50 per family member per year (Group III) $75 per family member per year (Group IV)Annual Benefit Maximum: $1,250 per family member per year (applies to Groups I-III) $5,000 per family member (applies to Group V)$3,000 per family member per year (applies to implants) Orthodontic Lifetime Maximum: $1,000 per dependent under age 19Initial installation of fixed bridgework including up to two crowns to form abutments (supports) for a single bridge80%/20% Ye sInstallation of partial or full removable dentures80%/20% Ye sAdding teeth to existing removable denture or bridgework80%/20% Ye sInstalling a permanent full denture 80%/20% Ye sReplacing an existing partial denture, full removable denture, or fixed bridgework80%/20% Ye sImplantsCovered at 100%—1 per family member per year (surgery and crown costs associated with implant applies to $3,000 dental maximum allowance per year per family member).Ye sOrthodontics80%/20%; Lifeme maximum of $1,000 per dependent under the age of 19NoNon-Surgical Extractions and Oral SurgeriesCovered at 100% NoSurgical Endodontics (Root Canal)Covered at 100% NoSurgical Periodontics Covered at 100% No* Two-year dental plan enrollment is required.Note: You are not required to pre-certify care, but it is always beneficial to have your dentist pre-certify services that may be more.DENTAL PLAN
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 24VISION 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 KNOWStarng in 2025 you are able to enroll in any vision coverage level regardless of your medical plan enrollment.The rates are changing for 2025.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 $502025 Vision Plan PremiumsCoverage Level Employee Only $3Employee + Spouse $6Employee + Child(ren) $6Family (Employee + Spouse + Child(ren) $10 Enrollment Change Eecve for 2025, you are eligible to choose any coverage level you would like regardless of you medical plan elecon. Any changes to coverage should be made on your Open Enrollment elecon form. FOR QUESTIONS CONTACT:EyeMed Insight Network
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 25Vision 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 Not coveredLASIK or PRK from U.S. Laser Network 15% off retail or 5% off promo price; call Not coveredFrequency Allowed Frequency Adults Allowed Frequency KidsExamOnce every calendar year Once every calendar yearFramesLensesContact LensesNote: Plan allows member to receive either contacts and frame, or frames and lens services.VISION PLAN How to Find a Network Provider You can search for in-network providers by using the instrucons below. If you are or choose to enroll in the plan, the best way to use your benets is to register on the EyeMed website (). 1. Go to 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.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 26IMPORTANT: MAKE SURE YOUR ACCOUNT IS SECURE. Take steps to protect your savings. Secure access to your account by doing the following:1. Create an account at principal.com.2. Keep your contact informaon up to date (especially your phone number and email address).With those two steps, your account becomes automacally covered by the Customer Protecon Guarantee - which means Principal will reimburse your account if there’s any unauthorized acvity.Principal administers the Pension Plan and the Bemis Manufacturing Company Extra Rerement Savings Plan (ERS 401(k) Plan). They oer many rerement tools to assist you in your rerement planning needs. If you have not had the opportunity to use the online tools available to you, Open Enrollment is a great me to take advantage of their resources. Preparing early will help you meet your rerement goals. principal.com at 800-547-7754RETIREMENT PLANSFOR QUESTIONS CONTACT:Principal800-547-7754 Monday–Friday, 7am to 9pm (CST)principal.comParcipaon in the Bemis Manufacturing Company Extra Rerement Savings Plan (ERS) 401(k) Plan is available to eligible full-me and part-me employees. As an eligible employee, you can contribute between 1-100% of your eligible compensaon up to the IRS limit; $23,000 for 2024. 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 2024 the limit is $7,500.NEW: Eecve January 1, 2025, employees turning age 60-63 in a calendar year are eligible to make addional 401(k) Catch-up contribuons to their account. The total amount that can be contributed as Catch-up contribuons in 2025 is currently set at $11,250. This amount is subject to change based on IRS 2025 limits to be communicated later this year.This new provision is available due to the Secure 2.0 Act.Employees turning 50-59 and 64 and over in a calendar year can contribute Catch-up contribuons but, are not eligible for the higher deferral limit. The current 2024 limit is $7,500 and is subject to change based on IRS 2025 limits to be communicated later this year.There is no change in the way you make your Catch-up contribuon deferral elecons. This is done through Principal either online at www.principal.com or by calling 800-547-7754.Take the me to review your rerement plan strategy and check to see how the ERS 401(k) Plan ts in. The Principal online tools may be helpful in your review.Plan StatementsAs a reminder, your 4th Quarter Annual Statements for the Bemis Manufacturing Company ERS 401(k) Plan and the Pension Plan are distributed in January for each plan based on your elected distribuon method (e-mail nocaon or paper copy mailed to the address on le). Quarterly statements for the 401(k) plan are available online or by calling Principal for a paper copy.
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 27Be sure to check it out!Bemis oers the EAP as a resource for all full-me employees and family members through ComPsych Guidance Resources. ComPsych has many programs including WorkLife Soluons, Legal Guidance, Financial Resources and more. The program is condenal and individual informaon is not shared with Bemis.EMPLOYEE ASSISTANCE FOR QUESTIONS CONTACT:ComPsych Guidance Resources800-272-7255 guidanceresources.comCompany ID: Com589 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 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 28Please read the informaon below regarding the Bemis Spousal Secondary Coverage requirement. If your spouse is not appropriately enrolled in the plan, any claims they incur may not be covered. If your spouse experiences a qualied status change that impacts their coverage at Bemis, you must nofy Human Resources—Corporate Benets within 31 days of the status change by compleng the required change form.If your spouse has other coverage available, but their employer will not allow them to change coverage at this me, you will need to make the change during the year when they are eligible to do so. Nofy Bemis Corporate Benets within 31 days of your spouse becoming eligible on their plan by compleng the required change form.Bemis medical plan.An employee’s spouse with “aordable” medical coverage (as dened by the Aordable Care Act) available through their employer must take that coverage as primary in order to enroll in the Bemis medical plan on a secondary basis. This shares the responsibility more equitably between Bemis and the spouse’s employer.• If a spouse employed full-me can obtain aordable coverage through his or her employer, they are required to take that coverage.• Spouses with primary coverage through their employer’s health insurance plan will be eligible to enroll in secondary coverage through Bemis.• Spouses with primary coverage elected through an ACA health care exchange plan will be eligible to enroll in secondary coverage through Bemis.• Spouses without aordable coverage (as dened by the ACA) available may enroll in Bemis medical insurance as primary coverage.• If the spouse employed full-me works at an employer whose least expensive single plan monthly premium is higher than $325, the Bemis employee’s premium will be waived.The medical, dental, and vision plans are comprehensive plans that allow you to cover dependents if they meet the denion of a dependent under the plan. Eligible dependents include:• Your legal spouse, who is recognized as your spouse for purposes of federal tax laws and from whom you are not legally separated or divorced.• Your child under the age of 26, including your biological child; your adopted child or child placed with you for adopon; your stepchild; a child for whom you are required to provide insurance by a Qualied Medical Child Support Order or other court administrave order; or a child for whom you are the legal guardian.• Coverage may be extended to an unmarried child, regardless of age, who is mentally or physically incapable of sustaining his or her own living. Such child must have been mentally or physically incapable of earning his or her own living prior to aaining age 26. Wrien proof of such incapacity and dependency sasfactory to the Plan must be furnished to the Plan within 31 days of the date the child aains age 26, and/or within 31 days following the eligibility date for a new or reenrolling employee.If you cover any individual who no longer meets the dependent eligibility denion above, you should remove them from the plan(s). They can be removed from coverage by compleng the 2025 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 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 29Once you have read about the changes to your benet plans for 2025, it’s me to determine what elecons or changes you would like to make to your 2025 benet enrollments. November 8, 2024.The changes that you make during open enrollment will become eecve January 1, 2025. 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—Cenvo Guided Care HDHP Plan or Cenvo Guided Care HPP Plan. Check the appropriate medical plan and coverage level on your 2025 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 2025 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 2025 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 28 for details. A new This form should be returned by the November 8th deadline.• Add or cancel coverage for your spouse or dependents on the medical, dental and/or vision plan. Check the appropriate coverage level box on your 2025 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 2025. Complete the appropriate FSA elecon (Health Care, Dependent Care, or both) in the designated secon on the 2025 Benets Open Enrollment form. Make sure to designate if your Health Care FSA elecon is Limited or General Purpose.• Enroll in the Health Savings Account (HSA)—available only if you are enrolling in the Guided Care HDHP medical plan. Complete the appropriate HSA secon on the 2025 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. • Your current medical, dental and vision elecons will connue in 2025.• You will not be enrolled in either the Health Care or Dependent Care FSA.• You will not have any pre-tax deducons taken for HSA contribuons if enrolled in the HDHP unless you make a separate elecon during the year.OPEN ENROLLMENT DEADLINE: NOVEMBER 8, 2024
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 30Your open enrollment elecons for medical, dental, vision, Health Care, and Dependent Care FSA will become eecve on January 1, 2025, and will remain in place through December 31, 2025, 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, 2025, however, you can change your elecon during the year up to once per month.all Dependents on the Medical Plan?As part of The Aordable Care Act (ACA) Bemis is required to provide informaon to the IRS indicang whether or not you have medical coverage under the Bemis plan. It’s important that we have the SSN for each dependent enrolled in the medical plan to be able to include it in the reporng to the IRS. We will also provide you with a 1095-C form which you should keep. Human Resources—Corporate Benets will reach out to anyone who is missing an SSN for a covered dependent.ENROLLMENT: NEW 2025 ELECTIONSNEED TO KNOWIf you have a qualied status change, you must nofy Human Resources— Corporate Benets and make new elecons by compleng the applicable forms within 31 days of the qualifying event. If you miss the 31-day deadline, you will have to wait unl the next annual enrollment or a new qualied event to change your benet coverages. All change requests must be consistent with the qualied event.OPEN ENROLLMENT DEADLINE: NOVEMBER 8, 2024
YOUR 2025 BEMIS BENEFITS GUIDE / BCT EMPLOYEESPAGE 31Scan the below QR Codes to download apps and more!QR CODES AND CONTACTSEAPComPsych Guidance Resources800-272-7255 guidanceresources.comCompany ID: Com589VISIONEyeMed Insight Networkk)Principal800-547-7754 Monday–Friday, 7am to 9pm (CST)principal.comDENTALDelta DentalDelta Dental PPO orPremier Networkdeltadentalwi.comHRA AND FSADiversied Benet Services (DBS) Employer PIN: BemismfgHSAWEX HealthMonday–Friday, 8am to 9pm CTcustomerservice@wexhealth.comwexinc.comWEX, Inc. AppMEDICAL CONSULT2nd.MDMEDICALCenvo Member Care Monday–Friday, 7am to 8pm CTOr send a message at VIRTUAL CARE & TALK THERAPY Walmart Health Virtual CareUrgent care available 24/7/365Access through Cenvo app orHOW THE HDHP PLAN AND THE HSA WORK
This summary describes the benet updates for BCT employees for 2025. 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