Return to flip book view

2023-2024Employee Benefits

2WelcomeAs an employee at Medinc of Texas, enjoying your work and making valuable contributions to the company are equally vital. The health, satisfaction and security of you and your family are important to your well-being and ultimately, achieving the goals of our organization.For the 2023-2024 plan year, Medinc of Texas has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Medinc of Texas is offering an overall benefits package with many possible choices - one that can be shaped and molded by you, to fit your needs.This enrollment booklet is a summary description of your benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the legal plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this enrollment booklet, along with our additional communication and decision-making tools, will help you make the best healthcare choices for you and your family.EligibilityFull-time employees working at least 30-hours per week and their eligible dependents may participate in the Medinc benefit programs.Dependents are defined as:• Your legal spouse (same & opposite sex)• Dependents up to age 26• Your biological children• Your adopted children• Your stepchildren• A member of your household who is dependent upon you for support and of whom you have legal custody/guardianship.When Coverage BeginsYour benefits are effective on the first day of the month following 60-days of employment.Qualifying Life EventNotify HR within 30-days after the qualifying life event. Please note you will be required to provide supporting documentation. If you do have a qualifying event, you may only add/drop dependents from your existing plans. You may lose the ability to make changes if you fail to do so within the timeframe.InsideMedical PlansDental PlansVision PlansHealth Spending AccountLife/ AD&DEmployee Assistance ProgramAdditional BenefitsCost of BenefitsContact InformationChoose CarefullyMany of the benefit premiums are deducted on a pre-tax basis. This allows you to pay for premiums before taxes are deducted. Federal law requires this with the understanding that your pretax benefit elections remain in effect for the entire plan year—unless a qualifying life event occurs.

3Medinc of Texas provides an array of benefits that can help you enjoy increased well-being, deal with an unexpected illness or accident, build and protect your financial security, balance your personal and professional life and meet everyday needs. These benefits are affordable, comprehensive and competitive.The table below summarizes the benefits available to eligible staff and their dependents. These benefits are described in greater detail in this booklet.Overview of Benefit ProgramsS c an t he QR code for f ull access to the pre-recorded comp rehensive bene fits presentationBenefits Funding CarrierMedical & Prescription DrugsEmployee + DependentsShared FundingBlueCross BlueShield of TexasHealth Savings Account (HSA)Employee Only EE ContributionsInsperity Dental PlanEmployee + Dependents100% Employee PaidBlueCross BlueShield of TexasVision PlanEmployee + Dependents100% Employee PaidMutual of OmahaGroup Life / AD&DEmployee Only100% Employer PaidMutual of OmahaVoluntary Life and AD&DEmployee + Dependents100% Employee PaidMutual of OmahaEmployee Assistance Program (EAP)Employee + Dependents100% Employer PaidMutual of OmahaWill PreparationEmployee + Dependents100% Employer PaidMutual of OmahaRetirement PlanEmployee OnlyShared FundingEmpower

Medical PlansMedInc of Texas is proud to offer you a choice between three different medical plans through Blue Cross Blue Shield of Texas. Coverage under all plans includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle.HEALTH SAVINGS ACCOUNT (HSA)➢ Enrolled in an IRS “qualified” high deductible health plan (HDHP)➢ Not covered by another medical plan unless the other plans is also a “qualified” HDHP➢ Not enrolled in Medicare coverage*It is the employee’s responsibility to notify HR if you are not eligible for HSA.The HDHP allows employees to set aside money on a pre-tax basis into a Health Savings Account (HSA). The HSA is an account established exclusively for the purpose of paying for qualified medical expenses for you and your eligible dependents on a tax-free basis.Contributions to the HSA are funded with pre-tax deductions withheld from your paycheck. The funds are deposited into an interest-bearing account in your name. The money in the HSA can be used to reimburse eligible expenses not covered by your insurance plan, including the deductible, coinsurance, and copays. Any money not used for medical reimbursement remains in the account. In the event you leave the company, you own the account and the money therein. For a complete list of “qualified medical expenses,” please refer to Publication 502 at www.irs.gov.IRS ANNUAL LIMITS 2023 2024 Single Only* $3,850 $4,150 Employee + Family* $7,750 $8,300 Catch-Up ContributionEmployees Age 55+ may be eligible to contribute an additional $1,000PLAN TYPESPPO – A network of doctors, hospitals, and other healthcare providers. You have coverage in and out of network.HDHP – A high deductible health plan, or HDHP, is a plan that has higher deductibles in exchange for lower premiums. HDHPs may be paired with Health Savings Accounts.ANNUAL DEDUCTIBLEThe amount you must pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan).COPAYS AND COINSURANCEThese expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a service and is generally billed to you after the health insurance company reconciles the bill with the provider.OUT-OF-POCKET MAXIMUMThis is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual out-of-pocket maximum, including expenses paid to the annual deductible, copays, and coinsurance.4

Medical Coverage5*Lower Rx copays apply at participating pharmaciesPlan FeaturesBlueCross BlueShield of TexasIN-NETWORKHDHP PPO Middle PPO High PPOProvider Network BlueChoice PPO BlueChoice PPO BlueChoice PPOHSA Compatible? YES NO NODeductibles (Individual / Family)$5,000 / $10,000 $4,000 / $12,000 $1,500 / $4,500Coinsurance(Member Responsibility)0% after deductible 30% after deductible 30% after deductibleOut-of-Pocket Max (Medical & Pharmacy)$5,000 / $10,000(Includes Deductible)$8,150 / $16,300(Includes Deductible, Coinsurance, & Copays)$5,500 / $14,700 (Includes Deductible, Coinsurance, & Copays)Preventive Care No Charge No Charge No chargePrimary Care Visit No charge after deductible $35 copay $35 copaySpecialist Visit No Charge after deductible $70 copay $70 copayDiagnostic Lab & X-Ray No Charge after deductible No Charge No ChargeComplex Imaging No Charge after deductible 30% after deductible 30% after deductibleOutpatient Procedure No Charge after deductible 30% after deductible 30% after deductibleInpatient Stay No Charge after deductible 30% after deductible 30% after deductibleEmergency Room No Charge after deductible$500 copay per visit + 30% coinsurance$500 copay per visit + 30% coinsuranceUrgent Care No Charge after deductible $75 copay $75 copayRetail Pharmacy / RX(30-Day Supply)HDHP PPO Middle PPO High PPOGeneric DrugsNo charge after deductible $0* / $10 copay $0* / $10 copayPreferred DrugsNo charge after deductible $10* / $20 copay $10* / $20 copayNon-Preferred DrugsNo charge after deductible $50* / $70 copay $50* / $70 copaySpecialty DrugsNo charge after deductible $150* / $250 copay $150* / $250 copayMail Order Pharmacy / RX (90-Day Supply)Generic/Preferred/Non-PreferredSpecialty Drugs ExcludedNo charge after deductible $60 / $30 / $150 / N/A $0 / $30 / $300 / N/AOUT-OF-NETWORKHDHP PPO Middle PPO High PPODeductibles (Individual / Family)$10,000 / $20,000 $10,000 / $20,000 $5,500 / $14,700Out-of-Pocket Max (Individual / Family)Unlimited Unlimited UnlimitedEmergency Room (must be true emergency)No charge after deductible$500 copay per visit + 30% coinsurance$500 copay per visit + 30% coinsurance

Virtual Visits Virtual Visits: Speak with a doctor or therapist — anytime, anywhereWith your virtual visits benefit, provided by Blue Cross and Blue Shield of Texas (BCBSTX) and powered by MDLIVE, the doctor is in 24/7/365. You can see a doctor or behavioral health specialist without leaving the comfort of your own home.Virtual visits allows you to consult an independently contracted, board-certified doctor or therapist for non-emergency situations by phone, mobile app or online video anytime, anywhere. Speak to a doctor or schedule an appointment at a time that works best for you.6

Why virtual visits?• 24/7 access to an independently contracted, board-certified MDLIVE doctor• Access via phone, online video or mobile app from almost anywhere• Average wait time of less than 20 minutes• If needed, get a prescription sent to your local pharmacyMDLIVE doctors can treat a variety of non-emergency conditions, including: • Allergies • Anxiety• Asthma• Cold/Flu• Depression• Ear Infections (Age 12+)• Fever (age 3+)• Insect bites• Nausea• Pink Eye• Rash• Sinus Infections• Stress Management• And moreVirtual visits doctors may also send an e-prescription to your local pharmacy if necessary.Virtual visits may not be available on all plans. Virtual visits are subject to the terms and conditions of your benefit plan, including benefits, limitations and exclusions. Non-emergency medical service in Montana and New Mexico is limited to interactive audio/video (video only). Non-emergency medical service in Arkansas and Idaho is limited to interactive audio/video (video only) for initial consultation. Service availability depends on location at the time of consultation.MDLIVE, a separate company, operates and administers the virtual visit program for Blue Cross and Blue Shield of Texas and is solely responsible for its operations and that of its contracted providers. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc., and may not be used without written permission. Blue Cross®, Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an independent Licensee of the Blue Cross and Blue Shield Association7Virtual Visits

Health Savings AccountWho Is Eligible?* All three criteria must be met:• Enrolled in an IRS “qualified” High Deductible Health Plan: ($5,000 HDHP-H.S.A.)• Not covered by another medical plan unless the other plans is also a “qualified” HDHP• Not enrolled in Medicare coverageIt is the employee’s responsibility to notify HR if you are not eligible for HSA.How does it work? The HDHP allows employees to set aside money on a pre-tax basis into a Health Savings Account (HSA). The HSA is an account established exclusively for the purpose of paying for qualified medical expenses for you and your eligible dependents on a tax-free basis. Contributions to the HSA are funded with pre-tax deductions withheld from your paycheck. The funds are deposited into an interest-bearing account in your name. The money in the HSA can be used to reimburse eligible expenses not covered by your insurance plan, including the deductible, coinsurance, and copays. Any money not used for medical reimbursement remains in the account. In the event you leave the company, you own the account and the money therein. For a complete list of qualified medical expenses, please refer to Publication 502 at www.irs.gov. How much can I contribute? IRS ANNUAL LIMITS 2023 Maximum Contribution 2024 Maximum Contribution Single Only*$3,850 $4,150Employee + Dependents*$7,750 $8,300Catch-Up Contribution Employees Age 55+ may be eligible to contribute an additional $1,000*You are responsible for tracking your contributions to ensure you do not exceed the maximum allowable contribution. 8

Dental Coverage9Plan Features BCBS of Texas Low PPO Plan High PPO PlanProvider Network BlueCare Dental PPO BlueCare Dental PPOIN-NETWORKCalendar Year Maximum$750 $1,500Annual Deductible (Individual / Family)$25 / $75 $50 / $150Preventive Care•Routine Exam•Bitewing Films•SealantsNo ChargeDeductible does not applyNo ChargeDeductible does not applyBasic Procedures•Simple extractions (High Plan)•Fillings •Periodontics & Endodontics (High Plan)What You Owe:20% after deductible (Fillings Only)20% after deductibleMajor Procedures •Inlays & Onlays (High Plan)•Single Crown Restorations (High Plan)•Bridge Repairs (High Plan)Not Covered 50% after deductible OUT-OF-NETWORKOut-of-Network Claim Payment Basis MAC 90th UCR

Vision Coverage*Benefit includes coverage for contacts or glasses frames, not both.10Plan FeaturesMutual of OmahaIn-Network Out-of-Network ReimbursementProvider Network EyeMed Insight Vision Exam $10 copay Up to $37Standard Prescription Lenses* Single Vision $10 copay Up to $32Lined Bifocal $10 copay Up to $48Lined Trifocal $10 copay Up to $76Lenticular $10 copay Up to $76Standard Progressive (add on to Bifocal copay)$65 copay Up to $48Members pay for lens enhancements as an out-of-pocket expense after the copay. Frames$0 copay; $130 allowance;20% off balance over allowanceUp to $58Elective Contact Lenses$0 copay; $130 allowance; 15% off balance over allowance Up to $89Medically Necessary Contact Lenses $0 copay; paid in full Up to $104Standard Contact Lens Fit & Follow Up** Up to $40 Not ApplicableFrequency - (frequency period begins from date of last service)Exam Every 12 MonthsLenses Every 12 MonthsContacts Every 12 MonthsFrames Every 24 Months

Monthly Premiums11MEDICAL Coverage Level HDHP PPO Middle PPO High PPO Employee$0.00 $75.91 $128.64 Employee + Spouse$395.22 $542.91 $715.60 Employee + Child(ren)$377.65 $475.55 $626.80 Employee + Family$659.41 $830.34 $1,082.42DENTALCoverage Level Low PPO Plan High PPO Plan Employee$8.68 $27.25 Employee + Spouse$17.37 $54.49 Employee + Child(ren)$26.03 $67.81 Employee + Family$38.51 $103.96VISION Coverage Level Employee $5.48 Employee + Spouse $10.96 Employee + Child(ren) $12.42 Employee + Family $19.35*Premiums outlined above will be divided by two for anyone on a semi-monthly payroll.

Life/AD&D InsuranceLife InsuranceProvides your named beneficiary with a benefit in the event of your death.Accidental Death & Dismemberment (AD&D) InsuranceProvides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot, or eye). If your death occurs due to a covered accident, both the Life and the AD&D benefit would be payable.Basic Life/AD&D (Company paid)Medinc provides every eligible employee with a $25,000 group term life and AD&D insurance policy at NO COST to you. Coverage is automatic. You must elect a beneficiary in iSolved.Voluntary Life and AD&D (Employee paid)If you determine you need more than the company paid Basic Life/AD&D coverage, you may purchase additional coverage for yourself and your eligible dependents.CoverageProvided ForCoverage AmountsGuaranteed Issue *(new hires under age 70 only)Minimum Maximum IncrementEmployee $10,0005x annual salary up to $500,000Units of$10,0005x annual salary up to $150,000Spouse $5,000100% ofemployee’s benefit up to $250,000Units of$5,000100% of employee’s benefit up to $50,000Child(ren)(7-mos to age 26)$2,000 $10,000Units of$2,000$10,000This reduction schedule shows how much your Life/AD&D benefits are reduced at certain ages. Age Benefit Reduces by:65 35%70 50%*Guarantee Issue is for newly eligible employees only. Late enrollments, employees increasing current elections, or employees who decide to enroll, must complete an evidence of insurability (EOI) for enrolled amounts. Guarantee Issue is subject to carrier restrictions and requirements.“Living” Benefit: 80% of the amount of the life insurance benefit is available to you if terminally ill, not to exceed $20,000.Conversion: If your employment or class membership ends, you may apply for an individual life insurance policy from Mutual of Omaha without having to provide evidence of insurability. You will be responsible for the premium for the coverage.Portability: Allows you to continue this insurance program should you leave your employer for any reason, without having to provide evidence of insurability.Waiver of Premium: it is determined that you are totally disabled, your life insurance benefit will continue without payment of premium, subject to certain conditions.Designating A Beneficiary:You must name a person(s) or entity to receive benefits in the event of your death. The beneficiary designation applies to your group term life and AD&D and voluntary life AD&D insurance. Login to iSolved to update your beneficiary information. You can update your life insurance beneficiary at any time throughout the year and as many times as needed.12

Voluntary Life/AD&D InsuranceLife Insurance Coverage CostThose on a semi-monthly payroll schedule, divide the total by two for the per paycheck deduction. 13EMPLOYEE PREMIUM TABLE (12 PAYROLL DEDUCTIONS PER YEAR)Age$10,000$20,000$30,000$40,000$50,000$60,000$70,000 $80,000$90,000$100,0000 - 24$1.30 $2.60 $3.90 $5.20 $6.50 $7.80 $9.10 $10.40 $11.70 $13.0025 - 29$1.50 $3.00 $4.50 $6.00 $7.50 $9.00 $10.50 $12.00 $13.50 $15.0030 - 34$1.90 $3.80 $5.70 $7.60 $9.50 $11.40 $13.30 $15.20 $17.10 $19.0035 - 39$2.10 $4.20 $6.30 $8.40 $10.50 $12.60 $14.70 $16.80 $18.90 $21.0040 - 44$2.30 $4.60 $6.90 $9.20 $11.50 $13.80 $16.10 $18.40 $20.70 $23.0045 - 49$3.30 $6.60 $9.90 $13.20 $16.50 $19.80 $23.10 $26.40 $29.70 $33.0050 - 54$4.90 $9.80 $14.70 $19.60 $24.50 $29.40 $34.30 $39.20 $44.10 $49.0055 - 59$9.00 $18.00 $27.00 $36.00 $45.00 $54.00 $63.00 $72.00 $81.00 $90.0060 - 64$13.60 $27.20 $40.80 $54.40 $68.00 $81.60 $95.20 $108.80 $122.40 $136.0065 - 69$25.90 $51.80 $77.70 $103.60 $129.50 $155.40 $181.30 $207.20 $233.10 $259.0070+$41.80 $83.60 $125.40 $167.20 $209.00 $250.80 $292.60 $334.40 $376.20 $418.00SPOUSE PREMIUM TABLE (12 PAYROLL DEDUCTIONS PER YEAR)Age $5,000$10,000$15,000$20,000$25,000$30,000$35,000 $40,000$45,000$50,0000 - 24$0.65 $1.30 $1.95 $2.60 $3.25 $3.90 $4.55 $5.20 $5.85 $6.5025 - 29$0.75 $1.50 $2.25 $3.00 $3.75 $4.50 $5.25 $6.00 $6.75 $7.5030 - 34$0.95 $1.90 $2.85 $3.80 $4.75 $5.70 $6.65 $7.60 $8.55 $9.5035 - 39$1.05 $2.10 $3.15 $4.20 $5.25 $6.30 $7.35 $8.40 $9.45 $10.5040 - 44$1.15 $2.30 $3.45 $4.60 $5.75 $6.90 $8.05 $9.20 $10.35 $11.5045 - 49$1.65 $3.30 $4.95 $6.60 $8.25 $9.90 $11.55 $13.20 $14.85 $16.5050 - 54$2.45 $4.90 $7.35 $9.80 $12.25 $14.70 $17.15 $19.60 $22.05 $24.5055 - 59$4.50 $9.00 $13.50 $18.00 $22.50 $27.00 $31.50 $36.00 $40.50 $45.0060 - 64$6.80 $13.60 $20.40 $27.20 $34.00 $40.80 $47.60 $54.40 $61.20 $68.0065 - 69$12.95 $25.90 $38.85 $51.80 $64.75 $77.70 $90.65 $103.60 $116.55 $129.5070+$20.90 $41.80 $62.70 $83.60 $104.50 $125.40 $146.30 $167.20 $188.10 $209.00ALL CHILDREN PREMIUM TABLE(12 PAYROLL DEDUCTIONS PER YEAR)*$2,000 $4,000 $6,000 $8,000 $10,000$0.30 $0.60 $0.90 $1.20 $1.50Locate the benefit amount you want from the top row of the employee premium table. Your benefit amount must be in an increments of $10,000. Find your age bracket in the far-left column. Your premium amount is found in the box where the row and the column intersect. Follow the method described above to select a benefit amount and calculate premiums for optional dependent spouse and/or child(ren) coverage. Your spouse’s rate is based on your age, so find your age bracket in the far-left column of the Spouse Premium Table.

Employee Assistance Program14The Employee Assistance Program assists employees and their eligible dependents with personal or job-related concerns, including: • Emotional well-being• Family and relationships• Legal and financial mattersLife is not always easy. Sometimes a personal or professional issue can get in the way of maintaining a healthy, productive life. Your Employee Assistance Program (EAP) can be the answer for you and your family. Participation is voluntary and strictly confidential. There is no cost to you for utilizing EAP services. If additional services are needed, your EAP will help locate appropriate resources in your area.Don’t delay if you need help! Visit Online: www.mutualofomaha.com/eap Or Call: 800-316-2796EAP Benefits:• Access to EAP professionals 24 hours a day, seven days a week• Provides information and referral resources• Service for employees and eligible dependents• Robust network of licensed mental health professionals• Three face-to-face sessions with a counselor (per household per calendar year)• Legal assistance and financial resources• Online will preparation• Legal library & online forms• Financial tools and resources• Resources for:✓ Substance use and other addictions✓ Dependent and elder care resources✓ Access to a library of educational articles, handouts and resources• Healthy lifestyles• Work and life transitions

15Will Preparation Additional Benefits (100% Employer Paid)Travel Assistance can help you avoid unexpected bumps in the road anywhere in the world. For you, your spouse and dependent children on any single trip, up to 120 days in length, more than 100 miles from home. There are no geographical, coverage maximums or pre-existing condition exclusions. Worldwide Travel AssistanceCreating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you pass. Whether you’re single, married, have children, or you’re a grandparent, your will should be tailored for your life situation. That’s why it’s good that you have access to FREE online will preparation services provided by Epoq, Inc.Epoq provides the following FREE documents: ➢ Last Will and Testament➢ Power of Attorney➢ Healthcare Directive➢ Living Trust HOW IT WORKS: 1. Log onto www.willprepservices.com and use code MUTUALWILLS to register2. Answer simple questions and customize your document in real time3. Download, print, and share your documents instantly 4. Don’t forget to update your documents with any major life changes, including marriage, divorce, and birth of a child5. Make the document legally binding – check with your state for requirementsIdentity Theft AssistanceIdentity Theft Assistance, at no additional costs, provides education prevention, and recovery information to help you protect your identity. HOW IT WORKS: 1. Call within the U.S. call toll free: 1-800-856-99472. Call outside the U.S. 312-935-3658RECOVERY ASSISTANCE➢ Contact list for financial institutions, credit bureaus and check companies ➢ Guidelines if your Social Security number is compromisedSample services include: EDUCATION & PREVENTION➢ ID theft assistance guide➢ Tips to defend against Id theftSample services include:➢ Pre-trip assistance ➢ Immediate attention for emergencies while traveling ➢ Telephonic translation and interpreter services➢ Assistance with lost or stolen baggage ➢ Document replacement➢ Emergency payment and cash

Program perks include:•N o long-term contract: Membership is month to month. Monthly fees are $25 per month per member, with a one-time enrollment fee of $25 per member.*•Complementary and Alternative Medicine (CAM) discounts: Save money through a nationwide network of 40,000 health and well-being providers, such as acupuncturists, massage therapists and personal trainers.•Blue PointsSM: Get 2,500 points for joining the Fitness Program. Earn additional points for weekly visits. You can redeem points for apparel, books, electronics, health and personal care items, music and sporting goods.**•Web resources: You can go online to find fitness locations and track your visits.•Convenient payment: Monthly fees are paid via automatic credit card or bank account withdrawals.Fitness ProgramSince you are a Blue Cross and Blue Shield of Texas member, the Fitness Program is available exclusively to you and your covered dependents (age 18 and older). The program gives you unlimited access to a nationwide network of more than 10,000 fitness locations. If you want, you can choose one location close to home and one near work. You can visit locations while you’re on vacation or traveling for work.16Wellness

Retirement PlanW ho is Eligib le?➢ Full-Time Employees➢ Must be at least 21 years of age➢ Completed 1 year of service, working at least 1000 hoursW hen may I e nroll?After eligibility is satisfied, participants may enroll on the 1st of January or the 1st of July.H ow much can I contribute ?You may contribute 100% of your compensation up to the annual maximum. For 2023 the maximum contribution limit is $22,500. If you are over the age of 50 you can contribute an additional $6,500 as a Catch-Up Contribution.P L AN CONTRIBUTIONS:H ow are co ntributions made?Contributions can be made before / after (ROTH) tax.D iscretionary MatchYour plan may contribute a discretionary match. This contribution will only apply to a participant's deferrals that do not exceed a dollar amount or percentage of included compensation that is determined by the employer.S af e H arbor Matching ContributionEligible only for non-highly compensated employees.If a participant makes a salary deferral to the Plan, they will be eligible to receive a Safe Harbor Matching Contribution equal to 100% of the amount contributed to the plan up to the first 3% of compensation plus 50% of the amount contributed between 3% and 5% of compensation. In other words, MedInc. will match $1.00 for $1.00 up to 3% of your compensation and an additional $0.50 for each dollar you contribute on the next 2% of contributions.P r ofit SharingMedInc. offers a Profit-Sharing contribution in an amount to be determined by your employer. To be eligible, employees must be employed on the last day of the plan year and completed 1000 hours or more.R o llover ContributionsIf a participant has an account balance in another qualified retirement plan or IRA, they rollover those amounts into this Plan. Rollovers are 100% vested.VE S TING:Vesting refers to the percentage of your acco unt you are entitled to receive upon the occurrence of a distributable event. The value of your contributions to the plan and any earnings they generate are always 100% vested. The emplo yer safe harbor match contribution is immediately 100% vested.The value of employer discretionary match contributio ns to the plan and any earnings they generate are vested as fo llows:ALLOWED PLAN DISTRIBUTIONS:➢ Distributions upon termination of employment or retirement➢ In-Service Distributions: ➢ Participant is at least 59 ½ ➢ Participant has incurred a hardship in accordance with the IRS➢ Required Minimum Distributions➢ Distributions upon disability and deathPARTICIPANT LOANS:Participant loans are allowed. Your Plan allows you to borrow the lesser of $50, 000 or 50% of your eligible total vested account balance. The minimum loan about of $1,000 and you have up to 60 months to repay your general-purpose loan.Years Percentage0-2 0%2-3 20%3-4 40%4-5 60%5-6 80%6 or more 100%17

Carrier Name Group # WebsitePhone NumberMedical/RXBlueCross BlueShield219770www.bcbstx.com(800) 521-2227Telehealth / Virtual Visits MDLivewww.mdlive.com/bcbstx(888) 860-8646DentalBlueCross BlueShield219770www.bcbstx.com(800) 521-2227VisionMutual of OmahaG000CD9Cwww.mutualofomaha.com(888) 400-9304Group Life/ AD&DMutual of OmahaG000CD9C www.mutualofomaha.com (800) 775-8805Employee Assistance Program (EAP)Mutual of OmahaG000CD9Cwww.mutualofomaha.com/eap (800) 316-2796Retirement PlanEmpower Retirement www.EmpowerMyRetirement.com (800) 338-401518Carrier Contact Information