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EMPLOYEE BENEFITSGUIDE2024An overview of the wide array of benefits provided byTrue You Weight Loss 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 True You Weight LossAs an employee of True You Weight Loss, 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 plan year, True You Weight Loss 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 True You Weight Loss 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 True You Weight Loss 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 Guide2024 True You Weight LossComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options Gold 2500 Blue Options Gold HSA 3500Benefit Period Calendar Year: 1/1 – 12/31 Calendar Year: 1/1 – 12/31Deductibles (Individual / Family)$2,500/$5,000$3,500/$7,000(Family Member: $7,000)Out-of-Pocket Max (Individual / Family)$6,000/$12,000$3,500/$7,000(Family Member: $7,000)Preventive Care Covered in full Covered in full Primary Care Visit $25 Copay 0% after deductibleSpecialist Visit $50 Copay 0% after deductibleTelehealth via Teladoc $10 Copay 0% after deductibleUrgent Care $50 Copay 0% after deductibleEmergency Room $750 Copay 0% after deductibleOutpatient Procedure 20% after deductible 0% after deductibleInpatient Visit 20% after deductible 0% after déductibleEssential QHP FormularyPharmacy / RX (30 Day Supply)Tiers 1-6$4/$15/$35/$50/25%**min $50, max $100Enhanced Preventative: 0%All others: 0% after deductibleLens and Frames Coverage 50% no deductible 0% after 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.

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 True You Weight LossWellness 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 True You Weight Loss, 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 Period Blue Options Gold 2500 Blue Options Gold HSA 3500Employee $58.14 $44.02Employee + Spouse $290.71 $264.10Employee + Child(ren) $255.83 $231.09Employee + Family $546.54 $506.20Your 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 True You Weight LossEmployees 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 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 Guide2024 True You Weight LossA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP while saving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who are eligible to have this account, including single individuals, families and soon-to-be retirees. You save money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountRefer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your Bankcorp HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions:2023 Tax Year 2024 Tax Year$3,850 Individual / $7,750 Family $4,150 Individual / $8,300 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)

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 True You Weight LossSummary of CoverageCoverage Provided by Mutual of Omaha In-NetworkAnnual Deductibles(Individual / Family)Type A: $0 | Type A: $0Type B&C: $50 | Type B&C: $150Ortho: $0 | Ortho: $0Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)90% after deductibleMajor Procedures(crowns, dentures, etc.)60% after deductible Child Orthodontics50%Up to age 14Lifetime max: $1,500Calendar Year Maximum Benefit $1,500DENTALBelow 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 $4.66Employee + Spouse $23.93Employee + Children $29.21Employee + Family $48.37Your Costthere is a late entrant waiting period of: - 12 Months for Type B services - 12 Months for Type Cservices, and 12 Months for Orthodontic services.If you choose not to enroll when first eligible (e.g. time of hire, increase in hours), there is a late entrant waiting period if you elect to enroll later during Open Enrollment (Jan. 1) without a Qualifying Event as defined on page 3.

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 True You Weight LossSummary of CoverageCoverage provided by Mutual of Omaha In-NetworkVision Exam (Once per plan year) $10 copayLenses (once per plan year)Single $10 copayBifocal $10 copayTrifocal $10 copayFrames (Once per plan year)$0 copay$150 allowance, 20% off balance over allowanceStandard Contact Lenses Fit & Follow Up Exam$0 copay$150 allowance, 15% off balance over allowanceMedically Necessary Contact Lenses $0 copay; paid in fullVISIONOur vision coverage is provided by Mutual of Omaha. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $0.85Employee + Spouse $4.40Employee + Children $4.66Employee + Family $8.46Your 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 True You Weight LossSummary of CoverageCoverage provided by Mutual of OmahaPlan FeaturesEmployee Benefit Amount $50,000Maximum Benefit Amount $50,000AD&D Benefit $50,000Benefit Reductions begin at age 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. 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 INSURANCESummary of CoverageLife Benefit Employee Spouse DependentMinimum Amount $10,000 $5,000 $2,000Maximum Amount$300,000, in increments of $10,000, but no more than 5 times annual salary100% of employee’s benefit up to $150,000100% of employee’s benefit up to $10,000Guarantee Issue (Newly Eligible Employees)5 times annual salary, up to $30,000100% of employee’s benefit, up to $15,000 100% of employee’s benefitVOLUNTARY LIFE and AD&D INSURANCEFor 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 True You Weight LossSummary of CoverageCoverage provided by Mutual of OmahaPlan Features Short TermCoverage Paid By EmployeeEmployee Benefit Amount 60% of salaryMaximum Benefit Amount $1,500Elimination Period (Accident) 7 daysElimination Period (Sickness) 7 daysBenefit Duration 12 weeksDisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term.DISABILITY INSURANCEPre-existing condition of 3/6 applies when first enrolled. Evidence of Insurability may be required for amounts over the Guaranteed Issue. Please note, a pre-existing condition period may apply once you become covered. Please see policy for more information.

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 True You weight LossVoluntary 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.Worksite BenefitsAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents. An accident insurance policy supplements your medical coverage andprovides a cash benefit for injuries you or an insured family membersustain from an accident. This benefit can be used to pay out-of pocketmedical expenses, help supplement your daily living expensesand cover unpaid time off work.As an active employee of True You Weight Loss, you may purchasethis coverage for yourself and your family members, and premiumscan be deducted from your paycheck. It’s a simple and affordable wayfor your family to receive added financial protection.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024True You Weight Loss