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EMPLOYEE BENEFITSGUIDE2023 - 2024Papacito, LLCAn overview of the wide array of benefits provided byPapacito, LLC 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 Guide2023 - 2024 Papacito, LLCAs an employee of Papacito, 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 2023-2024 plan year, Papacito 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 Papacito 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 Papacito 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 30 daysBenefits End Last day of employmentDependents Your legal spouse, dependent children 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 Guide2023 - 2024 Papacito, LLCComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options Bronze 7000 Blue Options Gold 3000Benefit Period Plan Year: 11/1 – 10/31 Plan Year: 11/1 – 10/31Deductibles (Individual / Family) $7,000/$14,000 $3,000/$6,000Preventive Care Covered in full Covered in fullPrimary Care Visit $90 Copay $35 CopaySpecialist Visit $180 Copay $70 CopayTelehealth via Teladoc $10 Copay $10 CopayUrgent Care $180 Copay $70 CopayEmergency Room $1,500 Copay $750 CopayOutpatient Procedure 50% after deductible 20% after deductibleInpatient Visit 50% after deductible 20% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-6$400 Rx deductible$15/$40/$80/$120/25%/50%$50 Rx déductible$8/$25/$60/$100/25%/50%Out-of-Pocket Max (Individual / Family)$8,700/$17,400 $7,000/$14,000MEDICALThe 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.For summary of rate sheet, please see carrier summary or Employee Navigator.Cost is age-banded and based on employee’s age.

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 Guide2023 - 2024 Papacito, LLCWellness 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 Papacito, 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 Guide2023 - 2024 Papacito, LLCEmployees and dependents enrolled in our medical 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 specialist. 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 1-800-835-2362Refer 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 Guide2023 - 2024 Papacito, LLCSummary of CoverageCoverage provided by PrincipalPlan Features Basic LifeEmployee Benefit Amount$10,000Maximum Benefit Amount$10,000AD&D Benefit$10,000Benefit Reductions begin at age 35% at age 65, additional 15% reduction at age 70Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. This plan is provided by the employer at no cost 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 Guide2023 - 2024 Papacito, LLCVoluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical. These benefits are offered through PrincipalWorksite BenefitsAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents. Helps offset the unexpected medical expenses, such as emergency room fees, deductibles and copayments that can result from a fracture, dislocation or other covered accidental injuries that may occur off the job.

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 Guide2023 - 2024 Papacito, LLCWorksite Benefits (continued)Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses. Provides a lump sum payment ($5,000 to $50,000) upon the diagnosis of a covered critical illness to help pay for medical and non-medical recovery expenses.

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 Guide2023 - 2024 Papacito, LLCWorksite Benefits (continued)Hospital IndemnityIs a supplemental benefits plan that has been designed to protect plan participants against the increased exposure of higher deductible and out-of-pocket maximum health plans. The purpose of plan is to provide members with 1st dollar support towards deductible exposure when a hospital stay occurs.

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 Guide2023 - 2024 Papacito, LLCSummary of CoverageCoverage Provided by Principal In-NetworkAnnual Deductibles(Individual / Family)$50 per memberPreventive Care 100%Basic Procedures (fillings, etc.)80% after deductibleMajor Procedures(crowns, dentures, etc.)50% after deductibleChild Orthodontics 50% up to $200 lifetime maxCalendar Year Maximum BenefitRollover feature$1,00050% of the maximum benefit or $1,000.DENTALBelow 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 MonthEmployee $22.51Employee + Spouse $46.62Employee + Children $55.39Employee + Family $79.50Your 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 Guide2023 - 2024 Papacito, LLCSummary of CoverageCoverage provided by Principal In-NetworkVision Exam (Once per 12 months) $10 CopayLenses (once per plan year) $10 CopayFrames (Once per plan year)$130 allowance for a wide selection of frames; 20% off amount over allowanceElective Contact LensesIn leu of glassesUp to $60 Copay for standard and premium elective contact lens exams (fitting and evaluation)$130 allowanceMedically Necessary Contact Lenses$10 CopayCovered in full for members who have specific conditions. Contact lenses can be chosen instead of glasses.VISIONOur vision coverage is provided by Principal. Out of Network benefits are also available. Please review your plan documents for additional details.Pricing Per MonthEmployee $7.14Employee + Spouse $13.82Employee + Child(ren) $12.35Employee + Family $19.02Your Cost

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2023 - 2024Papacito, LLC