Chattahooche Flint RESA 2026 Benefits Guide VIEW ONLY by campusleadership

2026 - 2027

Chattahoochee-Flint RESA Benefits Guide

Summary for Review Purposes Only

INSIDE THIS GUIDE Eligibility.......................................................... 1 Take Action Reminders.................................. 2 Campus Service Hub & Support................... 3 Campus Enrollment Instructions.................. 4 Short-Term Disability..................................... 5 Long-Term Disability...................................... 6 Employee Assistance Program..................... 7 Life Insurance 101.......................................... 8 Permanent Life Insurance............................. 9 Voluntary Term Life & AD&D Insurance...... 10 Dental Insurance............................................. 11 Vision Insurance.............................................. 12 Critical Illness Insurance................................ 13 Legal Plan........................................................ 14 Flexible Spending Accounts....................... 15-16 MedCareComplete...................................... 17-18 State Health Benefit Plan............................ 19-20 Notes............................................................. 21-22

CHATTAHOOCHEE-FLINT RESA CONTACT Christi Griffin Financial Officer 229.937.5341 cgriffin@chattflint.org

Need Help? Start Here: mybenefits@campusbenefits.com 866.433.7661 opt 5

Eligibility • • •

Generally, full-time employees working 20 or more hours per week are eligible to enroll in the benefits described in this guide 49% Employees are eligible to enroll in specific benefits (Dental, Vision, Legal Plan, and MedCareComplete) Specific plan eligibility is listed on the top of each page. Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate, which is available on your employee benefits website, or by contacting Campus Benefits.

How to Enroll • • •

Verify and update all personal information Review your current benefit elections Make your benefit elections and list and/or update your beneficiaries

When to Enroll • • •

New Hire: Enroll within 30 days of your date of hire Current Employee: During the Annual Open Enrollment Window (May) The annual SHBP enrollment period is held in the Fall (October-November)

When do Benefits Begin • •

The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin the first of the month following 30 days of employment. Employees must be actively at work on the effective date of coverage

How to Make Changes • •

Only Qualifying Life Events allow you to make eligible changes to your current benefit elections during the plan year outside of the Open Enrollment Window To submit a qualifying life event, please email mybenefits@campusbenefits.com or call 1.866.433.7661, opt 5

Benefits Guide 2026-2027

Version: *07012026

Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Welcome to Chattahoochee-Flint RESA!

Chattahoochee-Flint RESA offers a comprehensive and valuable benefits program to eligible employees. Our benefits package is designed to provide security and assistance during a time of need. Please become familiar with the various options and select the best coverage for the upcoming plan year.

IMPORTANT REMINDERS - TAKE ACTION • • • • •

Eligibility for benefits enrollment must take place within 30 days of your hire date. Remember: Please review and/or update beneficiaries annually for all benefits including Voluntary Term Life & AD&D and Permanent Life policies. Important: Review and Understand Guaranteed Issue Options (New Hires). Life Events - You are required to submit any life event changes for you and eligible dependents within 30 days of an event. This Guide - This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important you review each benefit’s summary plan description (SPD) and other carrier materials before making any selections.

There are two separate benefit enrollments: 1. Campus Benefits Voluntary Benefits 2. State Health Benefit Plan Medical Insurance

*Benefits enrollment must take place within 30 days of hire date

How to Enroll in Campus Benefits Voluntary Benefits

How to Enroll in your State Health Benefit Medical Plan

1. Visit www.chattflintbenefits.com

2. Select the “Enroll” tab or the

2. Select the “State Health” tab

“Campus Connect” tab 3. Follow the on screen instructions OR

4. Contact Campus Benefits at 1.866.433.7661 opt 5 •

Plan year is 7/1 - 6/30

•

Annual open enrollment occurs in the Spring (May)

3. Select “SHBP Enrollment Link” (Refer to the SHBP section of this guide for additional details) OR

4. Contact SHBP at 1.800.610.1863 •

Plan year is 1/1 - 12/31

•

Annual open enrollment occurs in the Fall (October/November)

Benefits Guide 2026-2027

SERVICE HUB/ SUPPORT CENTER Campus Benefits is your dedicated advocate for all your voluntary benefits. When to contact the Campus Benefits Service Hub • • • •

Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

• • • •

Claims Card Requests Benefit Questions COBRA Information

The Campus Benefits team understands claims processes and leverages the necessary carrier relationships to expedite the paperwork efficiently and ensures claims are not delayed due to improper paperwork completion.

How to File a Claim 1. Contact Campus Benefits via phone or email 2. Work with Campus Benefits’ claims specialist to complete the necessary paperwork • Employee Portion • Physician Portion • Employer Portion 3. Submit the necessary paperwork to Campus Benefits via the secure upload • Secure upload located at www.chattflintbenefits.com/contact-campus

Frequently Asked Questions (FAQs): Q: When must a qualifying life event change be made? A: Please notify Campus Benefits within 30 days of the life event date. All SHBP life events must be made directly through the SHBP website. Q: Am I required to contact Campus Benefits to file a claim? A: No. However, in our experience the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with Campus Benefits’ claim specialist, we can advocate on your behalf. Q: How can I access my dental card or vision card quickly? A: Your group dental and vision plan information is available at: www.chattflintbenefits.com/ vision and www.chattflintbenefits.com/dental-guardian

Phone: 1.866.433.7661, opt 5 Email: mybenefits@campusbenefits.com Website: www.chattflintbenefits.com 3

Benefits Guide 2026-2027

CAMPUS BENEFITS ENROLLMENT Chattahoochee-Flint RESA

Visit www.chattflintbenefits.com

Company Identifier: CFR18

Select “Campus Connect” to log in

Existing User Login

New User Registration

1. Enter your username 2. Enter your password 3. Click “LOGIN” 4. Click on the “Start Benefits” button and begin the enrollment process

Frequently Asked Questions What is my username? • Work email address OR • Email address you provided to HR when hired OR • Email address you used to previously change your username What is my password? To create or reset a forgotten password follow the steps on the login page using tips below. • Password must be at least 6 characters • It must contain a symbol and a number • Using uppercase, numbers and symbols greatly improves security

1. On Login page click on “Register as a new user” and enter information below • • • • •

First Name Last Name Company Identifier: CFR18 PIN: Last 4 Digits of SSN Birthdate

2. Click “Next” 3. Username: Work email address or one you have provided to HR when you were hired 4. Password: Must be at least 6 characters and contain a symbol and a number 5. Click on “Register” 6. On the next page, it will show your selected Username. Click on “Login” 7. Enter Username and Password 8. Click “Start Benefits” to begin the enrollment Need Help? Start Here: mybenefits@campusbenefits.com 1.866.433.7661, opt 5

Benefits Guide 2026-2027

SHORT - TERM DISABILITY What is Short-Term Disability Insurance? A type of coverage that replaces a

portion of your income if injury or illness prevents you from working for a short period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection. Eligibility: Eligible full-time employees working 20+ hours per week • Coverage through OneAmerica • Must be actively at work on the effective date • Employees can start/stop sick leave to get through the elimination period. Decision must be made at the beginning of leave. • No Health Questions- EVERY YEAR! • Short-Term Disability benefits are paid in addition to Paid Parental Leave (no offset). This means Paid Parental Leave will not reduce or offset STD payments for maternity leave. Short-Term Disability Quick Summary Elimination Period

Benefits begin after you have been out of work due to an injury or illness for 14 days

Benefit Duration (maximum)

13 Weeks

Benefit Percentage (weekly)

60% of earnings

Maximum Benefit Amount (weekly)

$1,000 per week

Pre-existing condition (Applies to new enrollees only)

3/6- You may not be eligible for benefits if you have received treatment for a condition within 3 months prior to your effective date under this policy until you have been covered under the policy for 6 months. Monthly Rate Calculation

Step 1

Divide your Annual Salary by 52. This is your weekly salary.

Step 2

Multiply weekly salary in Step 1 by 60%. If 60% of weekly salary exceeds $1,000, then enter $1,000. This is your maximum weekly benefit amount.

Step 3

Divide weekly amount in Step 2 by $10

Step 4

Multiply Step 3 by the rate of $0.65. This is your monthly premium. *Enrollment system will calculate based on payroll information provided by employer

Benefits Guide 2026-2027

LONG - TERM DISABILITY What is Long-Term Disability Insurance? A type of coverage that replaces a

portion of your income if injury or illness prevents you from working for a long period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection. Eligibility: Eligible full-time employees working 20+ hours per week • Coverage through OneAmerica • Must be actively at work on the effective date • Employees can start/stop sick leave to get through the elimination period. Decision must be made at the beginning of leave. • No Health Questions- EVERY YEAR! Long-Term Disability Quick Summary Elimination Period

Benefits begin after you have been out of work due to an injury or illness for 90 days

Benefit Duration (maximum)

Social Security Normal Retirement Age (Please note exclusions or limitations may apply, see plan certificate for details)

Benefit Percentage (monthly)

60% of Earnings

Maximum Benefit Amount (monthly)

$5,000 per month

Pre-existing condition (Applies to new enrollees only)

3/3/12- You may not be eligible for benefits if you have received treatment for a condition within 3 months prior to your effective date under this policy until you have been covered under the policy for 12 months, or you remain treatment free for a period of 3 consecutive months.

Long-Term Disability Rate Factors 0-19

$0.15

20-29

$0.15

30-34

$0.23

35-39

$0.38

40-44

$0.58

45-49

$0.80

50-54

$1.04

55-59

$1.32

60-64

$1.11

65-69

$0.87

70+

$0.76

Monthly Rate Calculation Step 1

Divide your Annual Salary by 12. This is your monthly salary.

Step 2

Divide monthly amount in Step 1 by $100

Step 3

Multiply Step 2 by the rate factor listed below. This is your monthly premium.

*Enrollment system will calculate based on payroll information provided by employer

Benefits Guide 2026-2027

EMPLOYEE ASSISTANCE PROGRAM What is an EAP? A program offered to eligible Chattahoochee-Flint RESA employees to provide guidance with personal issues, planning for life events or simply managing daily life which can affect your work, health and family. This coverage is provided at no cost to you. Eligibility: Eligible Chattahoochee-Flint RESA employees and dependents • Coverage through One America • Provides support, resources, and information for personal and work-life challenges • CALL 1.855.387.9727 or visit www.GuidanceResources.com, Web ID: ONEAMERICA3

Confidential Counseling •

Helps employees address stress, relationship and other personal issues for you and your family Sessions with highly trained master’s and doctoral level clinicians Receive three sessions per issue per year (employees and dependents) for: • Stress anxiety and depression • Job pressures • Relationship/marital conflicts • Grief and loss • Problems with children • Substance abuse

• •

Financial Information and Resources •

Speak by phone with a Certified Public Accountants and Certified Financial Planners on a wide range of financial issues, including • Retirement planning • Getting out of debt • Estate planning • Credit card or loan problems • Saving for college • Tax questions

Work-Life Solutions •

Work-Life Specialists will do the research for you, providing qualified referrals and customized resources for • College planning • Child and elder care • Pet care • Moving and relocation • Home repair • Making major purchases

GuidanceResources Online •

One stop for expert information on relationships, work, school, children, wellness, financial, and more Timely articles, HelpSheets, tutorials, streaming videos and self-assessments “Ask the Expert” personal responses to your questions Child care, elder care, attorney and financial planner searches

• • •

Free Online Will Preparation • • •

EstateGuidance lets you quickly and easily write a will on your computer Go to www.GuidanceResources.com and click on EstateGuidance link Follow the prompts to create and download your will at no COST • Name an executor to manage your estate • Choose a guardian for your children • Specify your wishes for your property • Provide funeral and burial instructions Plan Rates Coverage provided at no cost to you by Chattahoochee-Flint RESA!

Benefits Guide 2026-2027

LIFE INSURANCE 101 The need for life insurance depends on each individual life situation. If loved ones are financially dependent on you, then buying life insurance coverage can absolutely be worth it. Even if you don’t have financial dependents yet, life insurance can be a valuable solution for making death easier on a family (at least financially.) There are two voluntary life insurance options offered through your employer: Term Life Insurance and Permanent Life Insurance. Below is an overview of differences. Term Life and Permanent Life work best used in conjunction with one another. Term Life can protect your family in your younger working years and Permanent Life can protect your family in your retirement years.

TERM LIFE INSURANCE

Term Life insurance is illustrated on the bell curve below. The term life offered is a group policy which allows you to get more benefit for less premium. • Term life insurance is for the unexpected death • Includes an Accidental Death & Dismemberment Benefit • Term life insurance is flexible and allows changes to your benefit amount each year depending on life changes. For example, as you get married and have children the need for term insurance often increases. As you near retirement, the need for term life insurance often decreases. • Coverage is portable at retirement or if you leave the employer (premium will increase when ported) • Premiums are based on age and increase as you get older

PERMANENT LIFE INSURANCE • • • • •

Permanent Life Insurance is illustrated above along the bottom of the graph with a straight blue arrow Permanent life insurance offers a stable premium along the lifetime of the policy Permanent life offers a level premium and is meant to take into retirement Permanent life is an issue age policy and is based on the age when the policy is issued This is an individual plan you can take with you regardless of where you work

Benefits Guide 2026-2027

PERMANENT LIFE INSURANCE What is Permanent Life Insurance? Coverage that provides lifelong protection, and the ability to maintain a level premium. Eligibility: Eligible full-time employees working 20+ hours per week, spouse & children* (up to age 26) • Coverage through Colonial Life • Must be actively at work on the effective date • Underwriting may be required. Coverage is not guaranteed • Permanent life offers the flexibility to meet a variety of personal needs while allowing employees the choice of benefit and premium amounts which fit their paycheck and lifestyle • Keep your coverage, at the same cost, even if you retire or change employers *Child marital status does not impact benefit eligibility. Student status does impact benefit eligibility Permanent Life Benefits Quick Summary PLAN MAXIMUMS Employee (Ages 15 - 79)

Up to $500,000

Spouse (Ages 15 - 79)

Up to $50,000

Child (0 - 17) Juvenile Policy Child (18-26 if a full-time student) Adult Policy

Up to $25,000

GUARANTEED ISSUE (FIRST TIME ELIGIBLE/NEW HIRE) Employee guaranteed issue amounts may be available for first time eligible employees/new hires. Amounts will be based on age. Spouse & Child Simplified Issue Amounts (One Health Question) may be available. Contact Campus Benefits for Additional Questions. ADDITIONAL FEATURES Options for Paid up to age 70 or age 100 Terminal Illness accelerated death benefit for up to 75% (Up to $150,000)

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please log into the enrollment system for rate details or consult with a Campus Benefits Counselor.

Benefits Guide 2026-2027

VOLUNTARY TERM LIFE & AD&D INSURANCE What is Voluntary Term Life Insurance? A financial protection plan which provides a

cash benefit to the beneficiary upon death of the insured. Proceeds can be used to replace lost potential income during working years and help ensure your family’s financial goals will be met; goals like paying off a mortgage, keeping a business running, and paying for college. AD&D coverage is included as part of life insurance benefits and will pay out a lump-sum death benefit in the event you or a covered loved one are killed accidently or die later as the direct result of an accident. This plan also includes a dismemberment benefit which provides an additional lump sum payment if an insured becomes dismembered in an accident.

Eligibility: Eligible full-time employees working 20+ hours/week, spouse and unmarried children (up to age 26) • Coverage through OneAmerica • Must be actively at work on the effective date • If electing for the first time outside of the initial new hire enrollment period, health questions will be required • Employee must elect coverage on themselves in order to cover spouse and/or children • Spouse rate is based on employee age Voluntary Term Life Benefit Quick Summary LIFE AMOUNT Employee

$400,000 (not to exceed 5 x salary) Increments of $1,000)

Spouse

$400,000 (100% of Employee Amount in Increments of $500)

Child(ren) AD&D Amount

$10,000 ($1,000 for child less than 6 months of age) Matches Life Election GUARANTEED ISSUE (AT INITIAL NEW HIRE ENROLLMENT)

Employee

$200,000

Spouse

$50,000

Child(ren)

$10,000 Additional Plan Features

GUARANTEED INCREASE IN BENEFIT (Prior to age 70) Age Reduction Portability Provision Conversion Accelerated Life Benefit Waiver of Premium

Employee & Spouse: If currently enrolled, increase coverage up to the guaranteed issue amount at Open Enrollment with no health questions Employee & Spouse: 50% at Age 70 Included (Prior to age 70) Included 25%, 50% or 75% of the life amount Prior to Age 60 after 9 month elimination period to Age 65

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please log into the enrollment system for rate details or consult with a Campus Benefits Counselor.

Benefits Guide 2026-2027

DENTAL INSURANCE What is Dental Insurance? A health and wellness plan designed to pay a portion of dental costs associated with preventive, basic, and some major dental care, as well as orthodontia. Eligibility: Eligible employees as described on the eligibility page of this guide, spouse & dependent children up to age 26; Orthodontia for children only* (up to age 19) • Coverage through Guardian • Claims must be submitted within 90 days of service • In-Network Provider Directory: www.guardianlife.com/find-a-provider Network: DentalGuard Preferred • Orthodontics available for Children Only up to age 19 (subject to takeover provision) • No waiting periods or late entrant penalties • The chart below is a sample of covered services. For detailed benefit information, policy documents and highlight sheets, please visit your employee benefits website. *Child marital status impacts benefit eligibility Services

Coinsurance

Enhanced Plan

Basic Plan

Preventive

100%

Basic

80%

60%

Routine Exam

100%

Major

50%

Bitewing X-rays

100%

50%

Not Covered

Cleaning

100%

Fluoride (Children up to 19)

100%

Enhanced Plan

Basic Plan

Panoramic X-rays

100%

Calendar Year Deductible

$50/person $150/family

Filings

80%

60%

Simple Extractions

80%

60%

Out of Network Coverage

90th percentile UCR

Surgical Extractions

80%

60%

Anesthesia

80%

60%

Waiting periods

None

Calendar Year Plan Maximum

$1,000 per person

$750 per person

Orthodontia (Lifetime)

$1,500 per person

Not Covered

Preventive Advantage

Preventive services does not apply to the maximum.

Orthodontics

Child Only (To age 19)

Dental Benefits Quick Summary

*Dental rollover included. See policy documents for more information.

Chattahoochee-Flint Regional Educational Service Agency G-00539796 Group Name

Group Number

This card is not a guarantee of coverage or eligibility. Visit www.guardianlife.com to print your dental card and view benefit information.

*Click on id card for more information and printable version 11

Benefits Guide 2026-2027

Enhanced Plan

Basic Plan

Type A - Preventive

Type B - Basic

Type C - Major Inlays/Onlays

50%

Crowns & Repairs

50%

Scaling and Root Planning

50%

Full Mouth Debridement

50%

Bridges

50%

Denture Repair

50%

Endodontics

50%

Periodontics

50%

High Plan

Low Plan

$45.46 $100.93 $147.09

$39.30 $82.98 $122.10

Monthly Plan Rates Employee Employee + One Family

VISION INSURANCE What is Vision insurance? A health and wellness plan designed to reduce your costs for routine preventive eye care including eye exams and prescription eyewear (eyeglasses and contact lenses). Eligibility: Eligible employees as described on the eligibility page of this guide, spouse & dependent children up to age 26* • Coverage through MetLife • Claims must be submitted within 90 days of service • In-Network Provider Directory: www.mymetlifevision.com Network: VSP Choice • No waiting periods or late entrant penalties • The chart below is a sample of covered services. For detailed benefit information, policy documents and highlight sheets, please visit your employee benefits website. *Child marital status impacts benefit eligibility Vision Benefits Quick Summary

In-Network

Exam

$10 Copay

Contact Lens Fit and Follow-Up

Covered in Full with a max Copay of $60

Retinal Imaging

Up to $39 Copay

Lasik or PRK

15% Discount off Retail and 5% off Promotional

Frames

$25 Copay - $150 Allowance + 20% off Balance $85 Allowance at Walmart, Costco, Sam’s Club Lenses and Lens Options

Single/Lined Bifocal & Trifocal/Lenticular

$25 Copay

Standard Progressive Lens

Up to $55 Copay

Ultraviolet Coating

Covered in Full

Polycarbonate (child up to age 18)

Covered in Full

Tint (variable by type)

Up to $17 - $44 Copay

Scratch Resistant Coating

Up to $17 - $33 Copay

Anti-Reflective Coating (variable by type)

Up to $41 - $85 Copay Contact Lenses

Elective Contacts

$150 allowance

Medically Necessary Contacts

Covered in Full after eyewear copay Frequencies

Exams/Lenses/Frames (based on the date of service) 2nd Pair Benefit (Allowance must be submitted on two separate invoices)

Monthly Plan Rates Employee Employee + Spouse Employee +Child(ren) Family

$9.26 $18.56 $15.71 $25.90

12/12/12 months Each covered person can get one of the options below: 2 pairs of prescription eyeglasses or 1 pair of prescription eyeglasses and an allowance toward contacts or double the contact lens allowance

Chattahoochee-Flint Regional Educational Service Agency 5972203 Group Name

Group Number

This card is not a guarantee of coverage or eligibility. Visit www.metlife. com/mybenefits to print your vision card and view benefit information.

*Click on id card for more information and printable version

Benefits Guide 2026-2027

CRITICAL ILLNESS INSURANCE What is Critical Illness Insurance? A health and wellness plan in which you receive a lump sum cash payment if diagnosed with one of the specific illnesses on the predetermined list of critical illnesses. Payments are made directly to you and do not coincide with health insurance. Eligibility: Eligible full-time employees working 20+ hours/week, spouses, and unmarried children (up to age 26) • Coverage through Guardian • Elect Critical Illness with or without Cancer coverage based on your individual needs • Issue Age - Rates are locked in and will not increase with age • If electing outside of the initial open enrollment period, health questions will be required • Keep your coverage even if you retire or change employers; Portable prior to age 70. • Guaranteed issue coverage for Employees and Spouses up to age 70. Critical Illness Benefits Quick Summary Employee Spouse Dependent Children COVERED SPECIFIED CRITICAL ILLNESSES

Critical Illness Only

Critical Illness w/Cancer

$1,000 - $10,000 $1,000 - $10,000 $500 - $5,000 $500 - $5,000 (50% of EE Amount) (50% of EE Amount) Automatically Covered at 25% of Employee Election Pays % of Face Amount Pays % of Face Amount

Heart Attack (Myocardial Infarction)

100%

Stroke

100%

Heart Failure

100%

Major Organ Failure

100%

Kidney Failure

100%

30% Not Included Not Included Not Included Employee: $10,000 Spouse: $5,000

30% 100% 75% 30% Employee: $10,000 Spouse: $5,000

Coronary Arteriosclerosis Full Cancer Benefit Benign Brain Tumor Carcinoma In Situ GUARANTEED ISSUE (Less than age 70)

Recurrence Benefit

50% of Benefit payable if Covered Person has not exhibited symptoms or received care or treatment for the covered Critical Illness for at least 12 months. *Please see plan certificate for covered illnesses that receive recurrence benefits

Pre-existing Condition:

12/12 - Any illness or injury for which you received treatment the 12 months prior to your effective date will not be covered for the first 12 months (applies to new enrollees only)

Age Reduction

Benefits reduce by 50% at age 70

Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Please log into the enrollment system for rate details or consult with a Campus Benefits Counselor. 13

Benefits Guide 2026-2027

LEGAL PLAN What is Legal Plan? A plan which provides valuable legal and financial educational

resources for a variety of life events and needs.

Eligibility: Eligible employees as described on the eligibility page of this guide, spouse & dependent children up to age 26 • Elder Care extends to parents and in-laws • Visit www.legalplans.com/why-enroll or call 800.821.6400 for additional information • Non-Members & Members create an account and select Employer for plan information (creating an account doesn’t enroll you in plans) • High Plan: For non-covered matters that are not otherwise excluded, your plan provides four hours of network attorney time and services per year • Plan Certificate available on your Employee Benefits Website (www.chattflintbenefits.com) Low Plan Quick Summary Money Matters

Home & Real Estate

Estate Planning

Family & Personal

Civil Lawsuits

Elder Care Issues

Vehicle & Driving

High Plan Quick Summary

• • • • •

Identity Theft Defense Negotiations with Creditors Promissory Notes Debt Collection Defense Tax Collection Defense

• • • • •

Identity Theft Defense Negotiations with Creditors Promissory Notes Debt Collection Defense Tax Collection Defense

• • • • • •

Deeds Mortgages Foreclosure Tenant Negotiations Eviction Defense Security Deposit Assistance

• • • • • •

Deeds Mortgages Foreclosure Tenant Negotiations Eviction Defense Security Deposit Assistance

• • • • •

Simple and Complex Wills Healthcare Proxies Living Wills Codicils Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

• • • • •

Simple and Complex Wills Healthcare Proxies Living Wills Codicils Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

• • • • • • • • • •

Guardianship Conservatorship Name Change Review of ANY Personal Legal Document School Hearings Demand Letters Affidavits Personal Property Issues Garnishment Defense Domestic Violence Protection

• • • •

Guardianship Conservatorship Name Change Review of ANY Personal Legal Document School Hearings Demand Letters Affidavits Personal Property Issues Garnishment Defense Domestic Violence Protection

• • •

Disputes over Consumer Goods & Services Administrative Hearings Incompetency Defense

• • • • • • • • •

Disputes over Consumer Goods & Services Administrative Hearings Incompetency Defense

• • • •

Personal Bankruptcy LifeStages Identity Management Tax Audit Representation Financial Education Workshops

• • • • •

Sale or Purchase (Primary or Vacation Home) Refinancing & Home Equity Property Tax Assessments Boundary & Title Disputes Zoning Applications

•

Revocable & Irrevocable Trusts

• • • • •

Juvenile Court Defense (Including Criminal Matters) Parental Responsibility Matters Review of Immigration Documents Prenuptial Agreement Adoption

• • •

Civil Litigation Defense & Mediation Small Claims Assistance Pet Liabilities

Consultation & Document review for issues related to your (or spouses) parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements • Leases • Promissory Notes • Deeds • Wills • Power of Attorney

Consultation & Document review for issues related to your (or spouses) parents: • Medicare • Medicaid • Prescription Plans • Nursing Home Agreements Monthly Low Monthly High • Leases • Promissory Notes Plan Rate Plan Rate • Deeds • Wills • Power of Attorney $8.00 $16.50

• • • •

Repossession Defense of Traffic Tickets Driving Privileges Restoration License Suspension due to DUI

NO COPAY

Benefits Guide 2026-2027

FLEXIBLE SPENDING ACCOUNTS What are Medical Flexible Spending Accounts (FSA’s)? A pre-tax benefit account used to pay for out-of-pocket healthcare costs such as deductibles, copays, prescribed medication and some over the counter medications. What are Dependent Care Accounts? A pre-tax benefit account used to pay for dependent care services such as preschool, summer day camp, before or after school programs and child or elder daycare. Eligibility: Eligible full-time employees working 20+hours/week, spouse and children (tax dependents up to age 26 for medical & up to age 13 for dependent care or tax dependent adults for adult care) • Coverage through Consolidated Admin Services (CAS) • Plan year is from July 1 to June 30 and employees must re-enroll each year • Only family status changes will allow you to change your annual election. The altered election must be consistent with the status change • Participant must elect the Medical FSA plan for the next year to access the carryover funds • Married and not filing jointly participants limited to $3,750 deferral for Dependent Care • Transfer of funds between the Dependent Care and Medical Care accounts are not allowed Flexible Spending Accounts Quick Summary Minimum Contribution

MEDICAL FSA ACCOUNT $300 annually

Maximum Contribution

$3,400 annually

CARRYOVER MAXIMUMMaximum participants can carryover if re-electing the plan

$680 For the plan year ending 6.30.2027, $680 can be carried over to the 7.1.2027 plan year. (Any unused amounts over $680 will be forfeited)

Total elected amount is available at the beginning of the plan year DEPENDENT CARE ACCOUNT Minimum Contribution $300 annually Maximum Contribution

$7,500 annually

CARRYOVER MAXIMUM

$0 (Any unused amounts over $0 will be forfeited) Total elected amount is available as it is payroll deducted Plan Rules

RUNOUT PERIOD-Time to turn in receipts for services rendered during the plan year.

30 days

All receipts should be kept to submit if verification is requested Monthly Admin Fee

Fee Per Participant Per Month (One fee even if electing both Medical FSA and Dependent Care)

$3.50

Replacement Card Fee

$10.00

Benefits Guide 2026-2027

IMPORTANT NOTE: Dependent Care FSA is for eligible expenses related to the care of your child, disabled spouse, elderly parent, or other dependent who is physically or mentally unable for self-care (i.e. day care, adult day care) or is disabled. Medical expenses for your dependent are not eligible for reimbursement under the Dependent Care.

HELPFUL FSA RESOURCES What is covered under Medical FSA Account? • Medical coinsurance and deductible • Doctor’s office visit copays FSA Eligibility List • Emergency Room costs www.fsastore.com/fsa-eligibility-list • Dental copays and out-of-pocket costs FSA Calculator • Vision copays and out-of-pocket costs (estimates how much you can save with an FSA) • Contacts and glasses www.fsastore.com/fsa-calculator • Prescriptions • Please see the full eligibility list for other covered expenses Who is covered under a Dependent Care Account? • Children up to age 13 (including stepchildren, grandchildren, adopted or foster children, and children related to you who are eligible for a tax exemption on your federal tax return). • Tax dependents residing with you and incapable of self-care (this could include your spouse, a child age 13 and over, and elderly parents). The CARES Act permanently reinstates over-the counter products, and adds menstrual care products for the first time, as eligible expenses for your FSA funds WITHOUT A PRESCRIPTION! Eligible items for purchase without a prescription now include, but are not limited to: • Pain relief medications, e.g., acetaminophen, ibuprofen, naproxen sodium • Cold & flu medications • Allergy medications • Acne treatments • Eye drops • Stomach & digestive aids • Pads, tampons and menstrual sponges • Sleep aids • Children’s pain relievers, allergy medicines, and digestive aids

In the App Store go to: Consolidated Admin Services Online Portal and Access to information: www.consolidatedadmin.com IMPORTANT NOTE: Dependent Care FSA is for eligible expenses related to the care of your child, disabled spouse, elderly parent, or other dependent who is physically or mentally unable for self-care (i.e. day care, adult day care) or is disabled. Medical expenses for your dependent are not eligible for reimbursement under the Dependent Care account. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Benefits Guide 2026-2027

MEDCARECOMPLETE

THE SMART WAY TO REDUCE YOUR HEALTHCARE COSTS What is MedCareComplete? Provides a bundle of services constructed to save you time and money while simplifying your life. Eligibility: Eligible employees as described on the eligibility page of this guide, spouse & dependent children up to age 26 • This is a supplemental benefit and does not replace health insurance • Register @ MCC: www.medcarecomplete.com to access the full range of benefits • Register @ 1800MD: www.1800md.com or 1.800.388.8785 to access telemedicine benefits Information needed to register - Group Name, Group #, Member ID (all located on MCC Card)

Included with the MedCareComplete Membership: Medical Bill Negotiator

Restoration Expert

Medication Management

Identity Loss Expense Reimbursement

Telemedicine

Social Media Tracking

Medical & ID Theft Monitoring

Sex Offender Alerts

Medication Management This service takes the guesswork out of medication management by sorting, labeling, and organizing medications for you. For added convenience, the service provides medication delivery to your home or healthcare provider’s office at no additional cost. Specially trained clinical pharmacists are on staff to ensure that medications are reviewed for potential drug interactions, are clearly understood by patients, and are as effective as possible.

Telemedicine Get 24/7/365 on-demand telephone access to Board-certified physicians for diagnosis, and prescriptions for common and acute illnesses. There are no copays and no limit to how many times you can utilize this feature. Acute Illnesses include but are not limited to the following: Asthma Fever Headache Infections Migraines

Rashes Bacterial Infections Diarrhea Heartburn Sinus Conditions

Urinary Tract Infections Bronchitis Ear Infection Gout

Joint Aches Pink Eye Sore Throat Cold & Flu Nausea & Vomiting

Individual Monthly Rate

Family Monthly Rate

$10.50 Per Month

$12.50 Per Month

NO COPAY

Medical & ID Theft Protection Service monitors the internet for instances of your personal health and financial information to protect you from becoming a victim of identity theft. The security of your personal health information (PHI) can have a large impact on the medical care you receive. 17

Benefits Guide 2026-2027

MEDCARECOMPLETE

THE SMART WAY TO REDUCE YOUR HEALTHCARE COSTS

Medical Bill Negotiator Members can use the Medical Bill Negotiator service to review their expensive medical bills for errors. A medical bill advocate will identify and appeal common billing errors and overcharges for the member. Advocates provide continuous support during appeals, which typically results in an average savings of 40% on 80% of medical bills reviewed.

Restoration Expert A Restoration Expert is available if you become a victim of identity theft. The service provides a concierge level of identity resolution. A dedicated and Certified Identity Theft Risk Management Specialist (CITRMS) will work with the victim to assess their ID theft situation, and move forward with a fully managed resolution.

Sex Offender Alerts Members can request text and email alerts and reports of registered sex offenders for a specific address. Reports highlight the location of the offender, a photo ID, and the offense they committed. You may review the saved report in your online account at any time. Additionally, users can select an address to continuously monitor and receive alerts when new offenders move in or out of that neighborhood.

Expense Reimbursement Restoring one’s name and good credit is a time-consuming and expensive process. In response, $25,000 expense reimbursement coverage is included in the member ID theft protection plan. This ensures you are covered in those instances when expenses compound. A Certified Identity Theft Risk Management Specialist (CITRMS) representative can assist with filing these expense reimbursement claims.

Social Media Tracking The Social Media Tracking tool allows you to receive alerts on your social media accounts including Facebook, LinkedIn, Twitter, and Instagram if reputation-damaging items are posted. As we utilize social media platforms, we are creating a permanent online trail of our personal history, including photos, geo-location data, employment data, birthday, email, address, and phone number details. Over-sharing can lead to an increased risk for reputation damage, fraud, and identity theft. Reputation-damaging items including racist, violent, derogatory, vulgar, or inappropriate comments directed at you or your family. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Benefits Guide 2026-2027

STATE HEALTH BENEFIT PLAN Notice: Chattahoochee-Flint RESA offers eligible employees health insurance through the Georgia State Health Benefit Plan. During the annual open enrollment, employees have the opportunity to review all available options and make elections for the upcoming plan year. • Coverage through Anthem BCBS of GA, United Healthcare, or Kaiser Permanente All qualifying life events must be submitted via the SHBP Portal. Kaiser Permanente* is available in the Metro Atlanta Service Area and Athens-Clarke, in-network only. Plan year is January 1- December 31 with enrollment in the fall of each year. • Attention to participants approaching age 65 and/or retirement: Please review: www.shbp.georgia.gov/retirees-0/turning-age-65 • •

SHBP Enrollment Portal:

SHBP Wellness Portal:

www.myshbpga.adp.com

www.bewellshbp.com

SHBP Decision Guide:

How to Enroll:

This Guide provides a brief explanation about each health benefit option, a benefit comparison guide, and a list of things to consider before making plan decisions.

1. Go to www.myshbpga.adp.com 2. Enter your Username and Password and click Login. If you need assistance, click on “Forgot User ID?” or “Forgot Your Password?”. 3. If you have not registered, click “Register Here”. 4. Your registration code is SHBP-GA.

Access the decision guide at www.shbp.georgia.gov

SHBP Phone Number: 1.800.610.1863

2026 WELLNESS INCENTIVES Quick Summary Plan Option

Anthem HMO MyIncentive Account (MIA)

Anthem Health Reimbursement Arrangement (HRA)

Kaiser Permanente (KP) Regional HMO

United Healthcare HMO Health Incentive Account (HIA)

United Healthcare HDHP Health Incentive Account (HIA)

Up to

Member

480

$500 Reward Card

480

Covered Spouse

480

$500 Reward Card

480

United Healthcare Reward Card for enrolled member and covered spouse

n/a

$250 Reward Card (member) $250 Reward Card (Covered Spouse)

Potential Total

960

$1,000

1,460

Please review the Active Decision Guide for full incentive program details and requirements. Anthem: Members enrolled in an Anthem HRA Plan Option will receive SHBP-funded base credits at the beginning of the Plan Year. The amount funded will be based on your elected coverage tier. If you enroll in a HRA during the Plan Year, these credits will be prorated based on the elected coverage tier and the months remaining in the current Plan Year. *KP: Members enrolled in the KP Regional HMO Plan Option and their covered spouses will each receive a $500 reward card after they each satisfy KP’s Wellness Program requirements. **UnitedHealthcare: Members and their covered spouses enrolled in an UnitedHealthcare Plan Option can each earn a 240 well-being incentive credit match with a maximum combined up to 480 well-being incentive credits matched by UnitedHealthcare for completing wellness requirements under the plan. After credits are added to your HIA, any remaining credits will rollover to the next plan year. 19

Benefits Guide 2026-2027

2026 SHBP PLANS & PRICING The table below is a high level overview, for official details and plan information please review the SHBP Decision Guide. Plan Designs for 2026 Anthem Gold Plan HRA In Out

Anthem Silver Plan HRA In Out

Anthem Bronze Plan HRA In Out

Anthem HMO In

UHC HMO In

You

$1,500

$3,000

$2,000

$4,000

$2,500

$5,000

$1,300

$3,500

$7,000

You + Spouse

$2,250

$4,500

$3,000

$6,000

You + Child(ren)

$2,250

$4,500

$3,000

$6,000

$3,750

$7,500

$1,950

$7,000

$14,000

$3,750

$7,500

$1,950

$7,000

$14,000

You + Family

$3,000

$6,000

$4,000

$8,000

$5,000

$10,000

$2,600

$7,000

$14,000

UHC HDHP Out

Kaiser HMO* In

Deductible

Medical OOPM (Out of Pocket Maximum) You

$4,000

$8,000

$5,000

$10,000

$6,000

$12,000

$4,000

$6,450

$12,900

$6,350

You + Spouse

$6,000

$12,000

$7,500

$15,000

$9,000

$18,000

$6,500

$12,900

$25,800

$12,700

You + Child(ren)

$6,000

$12,000

$7,500

$15,000

$9,000

$18,000

$6,500

$12,900

$25,800

$12,700

You + Family

$8,000

$16,000

$10,000

$20,000

$12,000

$24,000

$9,000

$12,900

$25,800

$12,700

Coinsurance (Plan Pays. Some outof-network services not covered)

85%

60%

80%

60%

75%

60%

70%

50%

100%

80%

HRA (Health Reimbursement Arrangement) Credits You

N/A

You + Spouse

N/A

You + Child(ren)

*See decision guide and summary plan documents for details

You + Family Medical ER

Coins after ded

$200 copay

Coins after ded

$200 copay

Urgent Care

Coins after ded

$35 copay

Coins after ded

$35 copay

PCP Visit

Coins after ded

$35 copay

Coins after ded

$35 copay

$45 copay

Coins after ded

$45 copay

100%

Specialist Visit

Coins after ded

Preventative

100%

N/A

100%

N/A

100%

Retail Rx (Not subject to deductible on HRA plans) Tier 1

15%, Min $5, Max $10

$5 copay

Coins after ded

$20 copay

Tier 2

25%, Min $55, Max $85

$55 copay

Coins after ded

$50 copay

Tier 3

25%, Min $85, Max $130

$95 copay

Coins after ded

$80 copay

Tier 1

15%, Min $12.50 Max $25

$12.50 copay

Coins after ded

$50 copay

Tier 2

25%, Min $137.50, Max $212.50

$137.50 copay

Coins after ded

$125 copay

Tier 3

25%, Min $212.50, Max $325

$237.50 copay

Coins after ded

$200 copay

Monthly Premiums

Anthem Gold Plan HRA

Anthem Silver Plan HRA

Anthem Bronze Plan

Anthem HMO

UHC HMO

UHC HDHP

Kaiser HMO*

Mail Order Rx

Employee

$213.71

$146.11

$92.12

$177.21

$217.19

$81.11

$177.21

Employee + CH

$390.68

$275.76

$183.97

$328.63

$396.59

$165.26

$328.63

Employee + SP

$531.82

$389.86

$276.48

$455.17

$539.13

$253.36

$455.17

Family

$708.79

$519.51

$368.33

$606.59

$718.53

$337.51

$606.59

Kaiser Permanente* is available in the Metro Atlanta Service Area and Athens-Clarke, in-network only. There is an $80 tobacco surcharge added to all rates.

Benefits Guide 2026-2027

NOTES

Benefits Guide 2026-2027

NOTES

Benefits Guide 2026-2027

Employee Benefits Website: www.chattflintbenefits.com

The Service Hub Helps With: • • • •

Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

• • • •

Claims Card Requests Benefit Questions COBRA Information

Phone: 1.866.433.7661, opt 5 Email: mybenefits@campusbenefits.com

The 2026-2027 Benefits Enrollment Guide is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered is governed exclusively by the insurance contract and associated Summary Plan Description (SPD). In case of discrepancies between this document and the insurance contract and SPD, the contract and SPD will prevail. We reserve the right to change, modify, revise, amend or terminate these plan offerings at any time. Updates, changes, and notices are available for review at www.chattflintbenefits.com or by contacting HR or the email above. These should be reviewed fully prior to electing any benefits.