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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byCoastal Instruments and Electronics Co. to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.As an employee of Coastal Instruments and Electronics, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024-2025 plan year, Coastal Instruments and Electronics has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Coastal Instruments and Electronics is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Coastal Instruments and Electronics benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 1st of the month following 60 days Benefits End End of month following employment terminationDependents Your legal spouse, dependents up to age 26

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Comparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options PPO Gold 1500Benefit Period Plan Year: 9/1 – 8/31Deductibles (Individual / Family) $1,500/$3,000Out-of-Pocket Max (Individual / Family)$5,750/$11,500Preventive Care Covered in fullPrimary Care Visit $35 CopaySpecialist Visit $70 CopayTelehealth via Teladoc $10 CopayUrgent Care $70 CopayEmergency Room $500 CopayOutpatient Procedure 30% after deductibleInpatient Visit 30% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5$4/$15/$35/$50/25%**min. $50, max: $100Lens and Frames Coverage 50% no deductibleMEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your BCBSNC plan documents for additional details.*Register your PCP in Blue Connect and copay is waived for 1st three visits

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Wellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Coastal Instruments and Electronics, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CARE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Your Medical Cost Rates are age band. See below *Employer covers 100% of employee only premiums

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Employees and dependents enrolled in our medical plan have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialists. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 855-549-2214Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Summary of CoverageCoverage Provided by UNUM In-NetworkAnnual Deductibles(Individual / Family)$50/$150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)80%Major Procedures(crowns, dentures, etc.)50%Child Orthodontics 50%Calendar Year Maximum Benefit $1,500 per benefit yearDENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $0.00Employee + Spouse $18.18Employee + Children $28.44Employee + 1 Dependent $28.44Employee + Family $51.87Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Summary of CoverageCoverage provided by UNUM In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year) $25 CopaySingle Covered by copayBifocal Covered by copayTrifocal Covered by copayFrames (Once every 2 years) Up to $130 allowanceStandard Contact Lenses Fit & Follow Up Exam $25 CopayElective Contact Lenses Up to $130 allowanceMedically Necessary Contact Lenses Up to $210 allowanceVISIONOur vision coverage is provided by UNUM. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $0.00Employee + Spouse $2.96Employee + Children $3.64Employee + 1 Dependent $3.64Employee + Family $7.36Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Coastal Instruments and Electronics Co.Summary of CoverageCoverage provided by USAblePlan FeaturesEmployee Benefit Amount $25,000Maximum Benefit Amount $25,000AD&D Benefit $25,000Benefit Reductions begin at age 65 years of ageGroup life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. Employees must fill out an EOI form if they exceed the guaranteed issue amount.GROUP LIFE and AD&D INSURANCE

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Coastal Instruments and Electronics Co.