Open enrollment 2024

Welcome to Open Enrollment 2024

OPEN ENROLLMENT 2024

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Pick the best benefits for you and your family.

Amplify Publishing Group strives to provide you and your family with a comprehensive and valuable benefits package. We want to make sure you’re getting the most out of our benefits—that’s why we’ve put together this Open Enrollment Guide. Open enrollment is a short period each year when you can make changes to your benefits. This guide will outline all the different benefits Amplify Publishing Group offers, so you can identify which offerings are best for you and your family. Elections you make during open enrollment will become effective on April 1 st , 2024. If you have questions about any of the benefits mentioned in this guide, please don’t hesitate to reach out to 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. Did you move recently or get married? Verify all your personal information and make any necessary changes. Once all your information is up to date, it’s time to make your benefit elections. The decisions you make during open enrollment can have a significant impact on your life and finances, so it is important to weigh your options carefully. When to Enroll Open enrollment begins on March 13th and runs through March 20th. The benefits you choose during open enrollment will become effective on April 1st, 2024. 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 things like:  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 2024? Health Insurance - Medical

We are keeping United Healthcare as our medical provider with their DF-5W/RxK28S Choice Direct Gold w/Care Cash plan. As per last year’s plan, the group’s medical plan comes with Care Cash, a pre-funded debit card program supporting first-dollar coverage and available to use for specific healthcare expenses. The following chart highlights the benefit structure of this plan. Please reference carrier plan summaries for a detailed benefit structure.

DF-5W/RX K28S

Services

In Network

Out-of-Network

Physician Visit Copay (Primary/Specialist)

$30/$70

NA/NA

Deductible (Individual/Family)

$750/$1,500

NA/NA

Inpatient-facility

Deductible + 20%

NA/NA

Urgent Care Copay

$50

NA/NA

Coinsurance

80%

NA/NA

Emergency Room Copay

Deductible + 20%

NA/NA

Out-of-pocket Maximum (Individual/Family)

$9,000/$18,000

NA/NA

Prescription Drugs Deductible Copay

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

NA/NA

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Your Cost in 2024

Your United Healthcare medical rates are age-banded and from your corresponding monthly premium, Amplify Publishing Group is paying 50% of the employee only rate. Please check the cover email you have received to find your own updated cost. However, 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 pay for dental care and usually includes regular checkups, cleanings, and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery. We are keeping Guardian as our dental provider for 2024. The following chart outlines the dental benefits we offer.

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 every day. 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. Our vision policy has been renewed with Guardian for the period 2024. Your vision benefits include the following:

Type of Service

GUARDIAN VISION - VSP G36

Out-of-Network

Frequency

In Network

Exam Copay

$10

$10

12 months

$39

12 months

Exam Allowance

100% covered after copay

Materials Copay

$25

$25

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

Frame Retail Allowance

Up to $130

$46

24 months

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 provides employees with short- and long-term disability income benefits. At Amplify Publishing Group, we want to do everything we can to protect you and your family. That’s why we pay for the full cost of short- and long-term disability insurance—meaning that you owe nothing out of pocket. This year Guardian is again our disability income benefits provider. If you become disabled from a non-work-related injury or sickness, disability income benefits will provide a partial replacement for lost income. A Brief description of the key features of the Guardian Short-Term and Long-term Disability insurance plan are described below.

Short-term Disability

Long-term Disability

FREQTYP

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

90 consecutive days of total disability

Day Benefits Begin

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 provide for your loved ones if something were to happen to you. Amplify Publishing Group provides full-time employees with $25,0000 in group life and accidental death and dismemberment (AD&D) insurance. Amplify Publishing Group pays for the full cost of this benefit—meaning you are not responsible for paying any monthly premiums. Contact HR if you would like to update your beneficiary information.

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Other Information:  If you do not make changes to your current medical, dental, and vision elections, those elections will remain the same for the plan year April 1 st . 2024 – March 31 st, 2025.

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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