APG - Open Enrollment 2025

Welcome to Open Enrollment 2025

OPEN ENROLLMENT 2025

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Pick the best benefits for you and your family. Amplify Publishing Group 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 Amplify Publishing Group, allowing you to determine which options are best suited for you and your family. Changes made during open enrollment will become effective on April 1 st , 2025. If you have any questions about the benefits outlined in this guide, please feel free to contact HR.

Table of Contents Health Insurance - Medical --------------------------------------------------------------------------------3

Health Insurance - Dental ----------------------------------------------------------------------------------5

Health Insurance - Vision -----------------------------------------------------------------------------------6

Disability Income Benefits----------------------------------------------------------------------------------7

Basic Life Insurance ------------------------------------------------------------------------------------------8

Other Information -------------------------------------------------------------------------------------------9

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Who Is Eligible? Suppose you’re a full-time employee or a part-time employee with benefits according to your contract at Amplify Publishing Group. 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. Once your information it is time to make your benefit elections. 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 March 10th and runs through March 18th. The benefits you choose during open enrollment will become effective on April 1st, 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

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What’s new for 2025?

Health Insurance - Medical We will continue with United Healthcare as our medical provider, offering the DF-5W/RxK28S Choice Direct Gold w/Care Cash plan. As with last year’s plan, this includes Care Cash, a pre-funded debit card program that supports first-dollar coverage for specific health care expenses. Below is a chart highlighting the benefit structure of this plan. For a detailed benefit structure, please refer to the carrier plan summaries.

DF-5W/RX K28S

Services

In Network

Out-of-Network

$30/$70

Deductible + 40%

Physician Visit Copay (Primary/Specialist)

Deductible Individual/Family)

$750/$1,500

$3,000/$6,000

Deductible + 20%

Deductible + 40%

Inpatient-facility Urgent Care Copay Coinsurance

$50

Deductible + 40%

80% Deductible + 20%

Deductible + 40%

Emergency Room Copay Out-of-pocket Maximum (Individual/Family)

$9,000/$18,000

$15,000/$30,000

Prescription Drugs Deductible Copay

N/A $10/$40/$105/S$150/$250/ S$500E

N/A $10/$40/$105/S$150/$250/ S$500E

S$500E

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Your Cost in 2025

Your United Healthcare medical rates are age-banded, and Amplify Publishing Group covers 50% of the employee-only rate from your monthly premium. Please refer to the cover email you received to find your updated cost. If you have any additional questions, please contact your HR Department.

Welcome to Care Cash A preloaded debit card program that helps inform you about eligible care options (and helps you pay for them). Care Cash® comes loaded with $200 for individuals or $500 for family plans. If you've never logged in to myuhc.com® before, create an account and then find Care Cash under the "Coverage & Benefits" tab.

Questions? Call Provider Services at

877-842-3210 or visit uhc.com/carecash

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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 Guardian as our dental provider for 2025. The chart below outlines the dental benefits we provide.

Type of Service

GUARDIAN DENTAL

PPO VZ

Deductible

$50

Preventive & Diagnostic Services

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

Basic Services

Fillings, Extractions, Periodontics, Root Canal - 80%

Major Services

Crowns, Dentures, Bridges —50%

Orthodontia

NA

Annual Maximum

$1,000

Employee only—$16.22 Employee & Spouse—$47.23 Employee & child—$52.67 Family—$92.79

Monthly Payroll Deductions

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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. Amplify Publishing Group’s vision insurance entitles you to specific eye care benefits. We have renewed our vision policy with Guardian for the period 2025. Your vision benefits include the following:

Type of Service

GUARDIAN VISION - VSP G36

Out-of-Network

Frequency

In Network

$10

$10

12 months

Exam Copay

$39

12 months

100% covered after copay

Exam Allowance

$25

$25

Materials Copay

Eyeglass Lenses Allowances Single Vision Lined Bifocal Lined Trifocal Lenticular Contact Lenses Allowances Elective Therapeutic

100% covered after copay. 100% covered after copay. 100% covered after copay. 100% covered after copay

$23 $37 $49 $64

12 months 12 months 12 months 12 months

$130 100% covered

$100 $210

12 months 12 months

Up to $130

$46

24 months

Frame Retail Allowance

Employee only—$2.93 Employee & Spouse—$8.17 Employee & child—$10.08 Family—$15.37

Monthly Payroll Deductions

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Disability Income Benefits Amplify Publishing Group offers comprehensive short- and long-term disability income benefits to our employees. We are committed to protecting you and your family, which is why we cover the full cost of both short- and long-term disability insurance. This means you have no out-of-pocket expenses. This year, Guardian continues to be our provider for disability income benefits. If you become disabled due to a non work-related injury or sickness, these benefits will partially replace your lost income. Below is a brief overview of the key features of the Guardian Short-Term and Long-term Disability insurance plan.

FREQTYP

Short-term Disability

Long-term Disability

Injury (accident): On the 1 st consecutive day of disability. Sickness (illness): On the 8 th consecutive day of disability. Or the day following the number of accumulated sick days applicable to the employee The weekly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit of $1,000 per week. Maternity is covered as any other illness. Non-Occupation coverage Partial Disability benefits included. Transfer of Coverage provision

Day Benefits Begin

90 consecutive days of total disability

The monthly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit of $6,000 per month. Pre-existing Conditions: 3/12 Exclusion Mental Nervous: 2 years Substance Abuse: 2 years Integration: Full Family Minimum Benefits Payable – Greater than 10% or $100

Benefit Amount

Features

Own Occupation Coverage – Survivor Benefit – 3 months

Maximum Benefit Duration

Paid up to a maximum of 12 weeks.

To Age 67

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Basic Life & AD&D Insurance Life insurance can help ensure your loved ones are provided in the event of your passing. Amplify Publishing Group offers full-time employees $25,0000 in group life and accidental death and dismemberment (AD&D) insurance. Amplify Publishing Group covers the entire cost of this benefit—meaning you are not responsible for paying any monthly premiums. If you need to update your beneficiary information, please contact HR.

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Other Information: · If you do not make any changes to your current medical, dental, and vision elections, they will remain the same for the plan year April 1 st . 2025 – March 31 st, 2026.

The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about the guide, please contact HR. The information in this Enrollment Guide is presented for illustrative purposes and is based on information provided by the employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about the guide, please contact HR.

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