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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byCross Technology 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 Cross TechnologyAs an employee of Cross Technology, 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, Cross Technology 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 Cross Technology 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 Cross Technology 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 Next day following 90 days of full-time employmentBenefits End Last day of employmentDependents Your legal spouse and dependents up to age 26Domestic Partners Not covered

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 Cross TechnologyCoverage Provided by Blue Cross of NCIn-Network Out-of-NetworkBenefit Period Plan Year: 5/1 – 4/30Deductibles (Individual / Family)$5,000/$10,000 $10,000/$20,000Out-of-Pocket Max (Individual / Family)$9,450/$18,900 $18,900/$37,800Preventive Care Covered in full 30% after deductiblePrimary Care Visit$35 Copay**Register your PCP on www.BlueConnect.com and 1st three visits copay waived60% after deductibleSpecialist Visit $70 Copay 60% after deductibleTelehealth via Teladoc $10 Copay Benefits not availableUrgent Care $70 Copay $140 CopayEmergency Room $500 Copay $500 CopayOutpatient Procedure 30% after deductible 60% after deductibleInpatient Visit 30% after deductible 60% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5Essential Formulary$10/$35/$60/25%/25%$100 max on Tiers 4 and 5You are responsible for charges over the allowed amount received from an out-of-network pharmacy MEDICALThe chart below is an overview of the In-Network and Out-of-Network benefits. Please review your BCBSNC plan documents for additional details.

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 Cross TechnologyWellness 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 Cross Technology, 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 CAREPricing Per Pay PeriodEmployee$35.00Employee + Spouse$196.17Employee + Child(ren)$160.01Employee + Family$329.10Your 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 Cross TechnologyEmployees 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 Cross TechnologyWeight Loss Prescription DrugsThese drugs are no longer covered due to safety concerns as well as the lack of data supporting long-term use of these drugs. The following products have been excluded as covered medications:PRESCRIPTION DRUGSManage Your PrescriptionsPrescription drug costs vary according to factors such as the drug type, the tier or drug cost level, and the formulary or the listed of covered drugs. There are three different drug categories: brand-name, generic, and specialty.• GENERIC - Generic drugs have the same active ingredients as brand-name drugs and have received FDA approval. They can have a different shape, size, and color than the brand name drug, but they are just as safe and effective. Generics also tend to cost less than brand-name drugs. • BRAND-NAME - Brand-name drugs are the original version of a medication made by the manufacturer. For example, Tylenol® is the brand-name for acetaminophen. Brand-name drugs tend to be more expensive than their generic alternatives. Brand-name drugs may not be fully covered by insurance if there is a generic version available.• SPECIALITY - Specialty drugs treat complex, rare, or chronic conditions. Many of these drugs are injectable medications or have special administration requirements. These medicines tend to cost more than others and are only sold at specialty pharmacies. You should check your plan for your in-network specialty pharmacy options.Click here to learn more about managing your prescriptions:https://www.brainshark.com/1/player/bcbsnc?fb=0&r3f1=f3c9b7e4e8e5bdafffb5d6b4befaf5e5f3bea18fa0fff5b9&custom=manageyourrxMail Order ResourceBlue Cross NC now offers access to Amazon Pharmacy for your mail order needs. This includes Meds Your Way, a discount card that provides additional savings through Amazon Pharmacy. At check out you’ll see the lowest cost available for your prescription. Sign up and learn more at www.amazon.com/bluecrossnc. Wegovy LomairaSaxenda PhendimetrazineAdipex-P ContraveBenzphetamine QsymiaDiethylpropion

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 Cross TechnologySummary of CoverageCoverage Provided by BCBSNC In-NetworkAnnual Deductibles(Individual / Family)$50 / $150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)Your responsibility: 20%Major Procedures(crowns, dentures, etc.)Your responsibility: 50%Child Orthodontics Benefits not availablePlan Year Maximum Benefit $1,000DENTALBelow 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$8.10Employee + Spouse$16.20Employee + Child(ren)$19.80Employee + Family$30.33Your 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 Cross TechnologySummary of CoverageCoverage provided by BCBSNC In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year)Single $25 CopayBifocal $25 CopayTrifocal $25 CopayFrames (Once every 2 years) $130 AllowanceElective Contact Lenses $130 AllowanceMedically Necessary Contact Lenses $0 CopayVISIONOur vision coverage is provided by BCBSNC. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee$1.81Employee + Spouse$3.44Employee + Child(ren)$3.62Employee + Family$5.33Your 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 Cross TechnologySummary of CoverageCoverage provided by MetLifePlan FeaturesEmployee Benefit Amount $20,000Maximum Benefit Amount $20,000AD&D Benefit $20,000Benefit Reductions begin at age 65Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. GROUP LIFE and AD&D INSURANCE

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 Cross TechnologyVoluntary Benefits are offered to assist employee's personal insurance needs. These Aflac programs are designed to fill the gaps in coverage such as your deductibles and coinsurance under your major medical. Please refer to the policy document for a detailed outline of coverage as well as limitations and exclusions under these plans. WORKSITE BENEFITSAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents.Cancer ProtectionAflac Cancer Protection Assurance can help with cancer-associated costs. It helps support you through the physical, emotional, and financial costs of cancer and stays with you for life.Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses.Hospital Confinement Indemnity InsuranceAflac Choice offers our best selection of hospital-related benefits to help with the expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans. Why Aflac Choice may be the right policy for you:• It’s customizable. You choose the plan that’s right for you based on your specific needs. • Guaranteed-issue options available which means there is no medical questionnaire required.• We pay cash directly to you (unless otherwise assigned), not the doctor or hospital.Short-Term DisabilityShort-Term Disability coverage provides a monthly income to help with the expenses of daily life should you be come disabled. Why Aflac Short-Term Disability may be the best choice for you:• It’s sold on an individual basis. You choose the plan that’s right for you based on your financial needs and income.• We offer the option of guaranteed-issue, short-term disability coverage. That means no medical questionnaire is required.• We pay you a cash benefit for each day you are disabled.Whole Life Insurance• If you’re age 50 or under, you may apply for up to $500,000 in coverage.• If you’re between the ages of 51 and 70, you may be eligible for up to $200,000 in life insurance protection.• Aflac also offers the option of guaranteed-issue whole life coverage with a face amount of up to $50,000. That means you do not have to complete a medical questionnaire.

Employee Navigator Enrollment InstructionsENROLL IN YOUR BENEFITS: One step at atimeStep 1: Log InGo to www.employeenavigator.com and click Login• Returning users: Log in with the username and password you selected. Click Reset a forgotten password.• First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account and create your own username and password.Step 2: Welcome!After you login click Let’s Begin to complete your required tasks.Step 4: Start EnrollmentsAfter clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.TIPHave dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.Step 3: Onboarding (For first time users, if applicable) Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.TIPif you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

Step 8: HR Tasks (if applicable)To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!You can login to review your benefits 24/7Step 7: Review & Confirm ElectionsReview the benefits you selected on the enrollment summary pageto make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.TIPIf you miss a step, you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.Click Save & Continue at the bottom of each screen to save your elections.If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.Step 6: FormsIf you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.Step 5: Benefit ElectionsTo enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.Employee Navigator Enrollment Instructions

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 Cross TechnologyCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedicalBCBSNCGroup #14177519888-206-4697https://www.bluecrossnc.comDental 800-305-6638Vision 855-400-3641Telehealth Teladoc 855-549-2214 https://www.teladochealth.com/ Group Life InsuranceMetLifeGroup #6512804866-492-6983 https://www.metlife.com/ AccidentAflac 800-992-3522 https://www.aflac.com/ Cancer ProtectionCritical IllnessHospital ConfinementShort-Term DisabilityWhole Life InsuranceHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical/Dental/Vision BCBSNCA hard copy ID card is issued and mailed to your home address.Electronic copies can be accessed via https://member.bcbsnc.com/blueconnect/web/registration

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCMedical Insurance InformationDeductible: A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services rendered. For example, a plan participant with a $100 deductible would be required to pay the first $100, in total, of any claims during a plan year.Copayment (Copay): A copay is a flat fee you pay upfront for doctor visits, prescriptions, and other healthcare services. It does not count toward your deductible. Coinsurance: On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill you pay and the percentage a health plan pays.Out-of-pocket Maximum (OOPM): An OOPM is the maximum amount (deductible and coinsurance) that you will have to pay for covered expenses under a plan. Once the OOPM is reached the plan will cover eligible expenses at 100 percent.Explanation of Benefits (EOB): An EOB is a description your insurance carrier sends to you explaining the health care benefits that you received and the services for which your health care provider has requested payment.Preferred Provider Organization (PPO): A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPOplan.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCDental Insurance InformationAnnual Maximum: The total dollar amount that a plan will pay for dental care for an individual member or family member (under a family plan) for a specified benefit period, typically a calendar year.Assignment of Benefits: When a member authorizes the dental plan to forward payment for a covered procedure directly to a member’s dentist.Balance Billing: When a participating dentist bills a member for amounts indicated as not billable to the patient by BCBSNC. Participating dentists agree to accept the fee approved by BCBSNC as payment in full and cannot bill a member for any difference.Benefit Year: The 12-month period a member’s dental plan covers, which is not always a calendar year.Contracted Fee: The fee for each single procedure that a dentist has agreed to accept as payment in full for covered services provided to a member.Covered Service: A dental treatment for which payment is provided under the terms of a member’s dental plan.In-Network Dentist: A dentist who has agreed to be a part of BCBSNC’s network and accept pre-established fees for his or her professional dental services.Lifetime Maximum: The maximum amount a plan will pay over the course of a lifetime. It may apply to an individual or a family and typically applies to specific treatments such as orthodontic treatment.Maximum Plan Allowance (MPA): The amount set by BCBSNC that a BCBSNC dentist has agreed to charge for a service.Waiting Period: A period of time before a member is eligible to receive benefits for all or certain treatments. It typically applies to expensive services such as dentures or crowns.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCVision Insurance InformationFrames Allowance: Your allowance is the amount BCBSNC/Eye Med will cover for your frames or for lens enhancements. For frames, a typical allowance is $150. In that case if you choose frames that cost less than $150, you pay nothing. If you choose frames that cost more than $150, you’ll pay the difference. So, for frames that cost $170, you’ll pay $20 at the doctor’s office.Frequency: How often you can get an exam or eyewear with your Eye Med network doctor.Lens Enhancement: A lens enhancement or lens option is an elective feature for your prescription lenses designed to improve your overall experience with your glasses. They often improve your vision and/or comfort. Here’s a list of some common lens enhancements:• Scratch-resistant coatings - Reduces normal scratching and pitting on plastic lenses.• Impact-resistant, also referred to as polycarbonate lenses - A lens material that is impact and scratch resistant, light, thin and gives UV protection.• Anti-glare coating, also referred to as anti-reflective coating - Combats eyestrain from glare, reflections and in some cases blue light from digital devices. Protects lenses from scratches.• No-line multifocal, also referred to as progressive lenses - Lenses with multiple prescription zones for near, mid and long-range vision and no visible line separating these zones as you would see on a bi-focal.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

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 Cross TechnologyThis page is intentionally blank

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Cross Technology