2025 - MIL-Tek USA OE Guide

Welcome to Open Enrollment 2025

Pick the best benefits for you and your family

Mil-tek USA Recycling & Waste Solutions LLC is committed to providing you and your family with a comprehensive and valuable benefits package. To ensure you are maximizing these benefits, we have prepared this Open Enrollment Guide. Open enrollment is a brief period each year when you can modify your benefits. This guide details all the benefits offered by Mil-Tek USA Recycling & Waste Solutions LLC, allowing you to determine which options are best suited for you and your family. Mil-Tek US supports the medical, dental, and vision coverages by contributing 50% of the employee cost, and 50% of the additional cost for dependents. Benefits are effective on the date of employment. Changes made during open enrollment will become effective on November 1 st , 2025. If you have any questions about the benefits outlined in this guide, please feel free to contact Patricia Bueno Abdala.

Who Is Eligible? Suppose you’re a full-time employee or a part-time employee with benefits according to your contract at Mil-Tek USA. In that case, you’re eligible to enroll in the benefits outlined in this guide. How to Enroll Are you ready to enroll? The first step is to review your current benefits. Have you recently moved or gotten married? Verify all your personal information and make any necessary updates in Employee Navigator. Once your information it is time to make your benefit choices. The choices you make during open enrollment can significantly Impact your life and finances, so it is important to carefully consider your options. When to Enroll Open enrollment begins on October 20 th and runs through October 28th. The benefits you choose during open enrollment will become effective on November 1 st , 2025. How to Make Changes Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next open enrollment period. Qualifying events include:  Marriage, divorce, or legal separation  Birth or adoption of a child  Change in child’s dependent status.  Death of a spouse, child, or other qualified dependent  Change in residence.

 Change in employment status or a change in coverage under another employer-sponsored plan

What’s new for 2025? Health Insurance – Medical

We will continue with United Healthcare as our medical provider. However, for the forthcoming contract period, Miltek-USA will be offering only one medical plan . We have determined that this is the most favorable option to keep the medical benefit coverage affordable for both the company and for you, our valued employee. Below you will find a chart outlining the main benefit structure of this plan. For more detailed information regarding the benefit structure, please refer to the carrier plan summaries

F8000EPO25 In-Network

RXALT2 ADV

Plan Design Element

Out-of-Network

Deductible

None

Coinsurance (Plan Paid)

100%

OOP Limit Individual

$8,000

Not Covered

OOP Limit Family

$16,000

Not Covered

Preventive Care Virtual Care (Primary and Urgent) Virtual Care (Specialty)

$0 $0 $0 - $160 $50 - $160 $110 $1,000 $700 $1,000

Not Covered Not Covered Not Covered Not Covered Not Covered $1,000 $700 $1,000

Office Visit Urgent Care Emergency Room Ambulance Observation Stay

Retail pharmacy: 30-day supply Tier 1 Tier 2 Tier 3

Not Covered $60 $90

$10 $60 $90

Your Medical Coverage Cost in 2025

Monthly Payroll Deductions

Employee only—$402.18 Employee & Spouse—$828.09 Employee & Child(ren)—$750.65 Family—$1,176.56

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Health Insurance - Dental In addition to protecting your smile, dental insurance helps cover the costs of dental care, including regular checkups, cleanings, and X rays. Several studies indicate that oral diseases, such as periodontitis (gum disease), can impact other parts of your body, including your heart. By receiving regular dental care, you and your family can avoid the high cost of dental disease and surgeries.

We are pleased to continue offering Delta Dental as our dental provider for 2025. The chart below outlines the dental benefits we provide for the two dental plans offered.

Delta Dental PPO -

Plan 1

Plus Premier

Deductible

$50

Preventive & Diagnostic Services

Exams, Cleanings, Routine X-rays, Sealants – 100%

Basic Services

Fillings, Extractions– 80%

Major Services

Crowns, Dentures, Bridges, Periodontics, Root Canal —25%

Orthodontia

Lifetime Maximum $500 per person -Orthodontic services – 25%

Annual Maximum

$2,000 per person

Employee only—$15.80 Employee & Spouse—$32.72 Employee & Child(ren)—$36.15 Family—$59.17

Monthly Payroll Deductions

Plan 2

Delta Dental PPO - EPO CP360 – Copay based plan

Deductible

$0

Preventive & Diagnostic Services

Exams, Cleanings, Routine X-rays, Sealants –

Basic Services

Fillings, Extractions, Periodontics, Root Canal –

Major Services

Crowns, Dentures, Bridges —

Orthodontia

Lifetime Maximum $2,000 per person -Orthodontic services – 50%

Annual Maximum

$2,000 per person

Monthly Payroll Deductions

Employee only - $20.05 Employee & Spouse - $42.10 Employee & Child(ren) - $44.11 Family—$68.15

For the services highlighted above, Delta Dental will pay the plan allowance minus any copay. Your payment responsibility is listed on the Schedule of Benefits, in addition to any amount over the benefit maximum.

Health Insurance - Vision

Driving to work, reading a news article, and watching TV are all activities you likely perform daily. Your ability to do all these activities, though, depends on your vision and eye health. Vision insurance can help you maintain your vision as well as detect various health problems.

Miltek USA Recycling and Waste Solutions, LLC vision insurance entitles you to specific eye care benefits. We have renewed our vision policy with VSP Vision for the period 2025. Your vision benefits include the following:

Your Vision Coverage Cost in 2025

Monthly Payroll Deductions

Employee only—$3.75 Employee & Spouse—$6.30 Employee & Child(ren)—$6.44 Family—$10.38

ENROLL IN YOUR BENEFITS: One step at a time

Step 1: Log In Go to www.employeenavigatorcom 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.

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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.

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T I P if 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 4: Start Enrollments After clicking Start Enrollment, you'll need to complete some personal & dependent information before moving to your benefit elections.

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Have dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.

Enrollment InstructionE

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Step 5: Benefit Elections To enroll dependents in a benefit, click the checkbox next to the dependent's name under Who am I enrolling?

Who am I enrolling?

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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.

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Click Save & Continue at the bottom of each screen to save your elections.

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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.

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Step 6: Forms If 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.

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Step 7: Review & Confirm Elections Review the benefits you selected on the enrollment summary page to 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.

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TIP If 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.

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!

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Earotbn your benefits

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HR Tasks

You can login to review your benefits 24/7

Enrollment Instructions

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