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Life. Work. Wellness. Employee benefits to keep you balanced.

Member Benefits Guide

2026 - 2027

TABLE OF CONTENTS Medical Plan Information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Getting Your Prescriptions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Medical Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Find the Right Care. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Telehealth. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Urgent Care vs. Emergency Room. . . . . . . . . . . . . . . . . . . . . 11

Dental Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Employee Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . 12

Vision Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Connect to Your Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Zero Monthly Cost . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Activate Your myuhc.com Account. . . . . . . . . . . . . . . . . . . . 8

Important Phone Numbers & Websites . . . . . . . . . . . . . . 14

INTRODUCTION If you should have any questions:

International Alliance Group is proud to offer you a rich benefits package to include medical, prescription, dental and vision care as well as life insurance, all at no cost to you.

1. Contact the carrier directly. Phone number and website information is on page 14. 2. Contact benefits@iagusa.org.

This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.

IAG Benefits Video Presentation Made Just For You Please click on the link below to watch a brief presentation of the benefit offerings available to you as provided in this guide. https://share.synthesia.io/39bc91fb-809e-4ed4-ab5101194a87454c

Medical Plan Information 1

The company that will administer the medical insurance benefits for International Alliance Group.

The company that will provide the medical network

The company that will provide International Alliance Group’s prescription benefits.

1 United Healthcare

IAG 2

United Healthcare

SUMMARY The medical plan is underwritten and reinsured by Nationwide. The Nationwide ratings are:

Medical benefits provide you access to quality health care. International Alliance Group offers a very rich medical plan provided through UnitedHealthcare Global. Enrolled members have access to coverage, with claims processing and customer service being provided by UnitedHealthcare Global.

Standard and Poors A+ AM Best A+ Moody’s A1

To contact UnitedHealthcare Global, please go to uhcglobal.com or call +1.844.265.8319.

TERMS TO KNOW AS YOU READ THROUGH THIS BOOKLET: Copay

Coinsurance

The fixed dollar amount you must pay directly to a medical provider at the time certain covered services are received, such as office visits or prescription drugs.

Sharing, between yourself and the medical plan, of the cost of covered services after you have paid the deductible. Out-of-Pocket Maximum

Deductible

The maximum dollar amount you have to pay under the terms of the insurance company’s contract in a coverage year for covered services. Note that you would be responsible for anything exceeding the Plan’s Allowable per Benefit Maximum or Coverage Year Limit should you reach that limit within a Plan Year.

The fixed dollar amount you must pay for covered services each coverage year before the insurance company begins to pay benefits.

Medical Plan UnitedHealthcare Choice Plus Network Coverage Year Limit

Unlimited

Deductibles per Covered Person

$500 per Plan Year (Medical only)

Coinsurance

20%

Out-of-Pocket Maximum per Covered Person

$5,000 per Plan Year Coinsurance applies. Deductible and Copays do not apply.

Hospital Services Inpatient Hospital

Deductible, then 20%

Outpatient Hospital

Deductible, then 20%

Emergency Room

$250 Copay

Urgent Care

$75 Copay

Routine Services Office Visit

$30 copay

Specialist Visit

$50 copay

Preventive Care

Paid 100%

Prescription Drugs*

30 Day Supply

90 Day Supply

Generic

$15 copay

$30 copay

Preferred brand

$30 copay

$60 copay

Non-preferred brand

$45 copay

$90 copay

Specialty

$45 Copay, 90 Day Supply s/b $90 copay

*Deductible does not apply to prescription benefits,

Other Covered Services Emergency Medical Evacuation

Unlimited

Emergency Family Travel Arrangements

Unlimited

Repatriation

Unlimited

Accidental Death & Dismemberment

Principal sum up to $25,000 for insured employee

Global Assistance Services

Included

All Benefits run on a Plan Year basis, July 1 - June 30

Telehealth When should I use Telehealth?

24/7/365 on-demand access to affordable, quality healthcare. Anytime, Anywhere.

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Regardless of the plan you choose you should never be without Telehealth, the only 24/7 service designed for the modern family. Whenever you have an issue, simply connect with Teladoc board-certified doctors, available by phone, video or chat. They are specially trained to diagnose, treat and prescribe medications for a wide variety of common medical conditions, helping you avoid the costly and time-consuming trips to the doctor or urgent care centers. ■

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What can be treated? ■

Headache

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Allergies

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Insect Bite

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Asthma

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Joint Aches

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Bronchitis

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Nausea

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Cold & Flu

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Rashes

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Constipation

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Sinus Infection

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Diarrhea

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Sore Throat

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Ear Infection

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UTI

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Fever

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And more!

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If your primary care physician is not available

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To request prescriptions (when appropriate)

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If traveling and in need of medical care

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Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER.

Acne

During or after normal business hours, nights, weekends and holidays

How much does it cost?

Talk to a real doctor, 24/7. No need to schedule an appointment or limit your visits.

■

Instead of going to the ER or an urgent care center for a non-emergency issue

uhcglobal.com

There is no consultation fee to use this service.

Dental Plan

Vision Plan

UnitedHealthcare Network In Network Annual Deductibles Individual

None

Annual Plan Maximum

$1,000

Benefits Type I - Diagnostic & Preventive

100% In / 100% Out

Type II - Basic Services

80% In / 80% Out

Type III - Major Services 50% In / 50% Out

UnitedHealthcare Network Other Benefits Periodontic Coverage

80% In/ 80% Out

Endodontic Coverage

80% In/ 80% Out

All Benefits run on a Plan Year basis, July 1 - June 30

Exam

$30 Copay

Frequency

Each Plan Year*

Frames or Contact Lenses

Reimbursed up to $150

Frequency

Each Plan Year*

The dental plan includes preventive services and office visits.

*Plan Year is defined as July 1 - June 30

All standard lenses are covered. 6

Connect to your benefits

Connect to Your Benefits

Locate your ID card An ID card will be sent to you in the mail. Always carry your ID card with you. You can also find your digital ID card on myuhc.com and in the UHC Global app. Your ID card contains valuable information about your coverage, so it’s important to know what everything means. Click here for a guide on how to read your ID card.

Member: Member ID: Dependents

SUBSCRIBER SMITH

123456789

U.S. Only:

Office: $25 UrgCare: $35

Coins 10%

INN: OON: DOI-0508

Payer ID 87726 Rx Bin: Rx PCN: Rx Grp:

ER: $100 Spec: $40 Ded IND/FAM

$375/$750 $1000/$2000

9999999

Group Number:

Customer Name

SPOUSE SMITH CHILD1 SMITH CHILD2 SMITH CHILD3 SMITH

OOPM IND/FAM

$2500/$7500 $5000/$13000

610279 9999 UHEALTH

Ded IND/FAM OON:

This card does not guarantee coverage. To verify benefits, view claims, or find a provider, visit the websites or call. +1 877-844-0280 For Members: myuhc.com +1 763-274-7362 Calls Outside U.S.: For U.S. Providers: UHCprovider.com

877-842-3210

+1 763-274-7362 For Non-U.S. Providers: +1 813-877-8167 International Claim Fax: PO Box 740111, Atlanta, GA 30374-0111 Medical Claims:

OOPM IND/FAM

$1000/$3000

Expatriate Insurance Choice Plus

Underwritten by UnitedHealthcare Insurance Company

Pharmacy Claims: PO Box 740111, Atlanta, GA 30374-0111 For U.S. Pharmacists: 888-290-5416

Note that this is a sample ID card image and your own ID card may differ.

Connect with us Your employer may choose to offer you a welcome call with one of our experienced team members. During the call, they will walk you through your benefits, answer questions and address concerns you might have about your health or the health of qualifying dependents. They will also confirm or collect your email address should we need to connect with you. If you or your employer chooses to provide us with your email address, you will receive a series of welcome emails filled with tips on how to activate and use your plan.

Connect to your benefits

Activate Your myuhc.com Account

Activate your myuhc.com® account When it comes to managing your plan, myuhc.com lets you see what’s covered, manage costs and so much more. To help everyone get more from their plan, it’s important that each member aged 18 and over consider creating their own account. Use myuhc.com to: • Find the average cost of care • See what’s covered • View claim details • Check your plan balances • Find network providers Get started today: • Go to myuhc.com • Have your ID card handy and follow the step-by-step instructions For more assistance on how to connect to your plan, click here.

Download the UnitedHealthcare Global app The UHC Global app puts your plan at your fingertips. Download it to: • Find local in-network care • View and share your ID card with your provider’s office • Easily check your coverage details, submit claims and more

Understand your benefits

Getting Yourprescriptions Prescriptions Getting your Optum® Rx is your plan’s pharmacy benefits manager and works to offer safe, easy and cost-effective ways for you to get the medication you need. Show your member ID card at retail pharmacies in the U.S. to limit your outof-pocket expenses. Optum Rx also offers the convenience of receiving prescription medications delivered to your U.S. address. You can order a three-month supply, often with a reduced copayment compared to retail pharmacies. U.S. federal regulations prohibit shipment of prescription medications outside the U.S., Puerto Rico and Guam.

What if the medication name is different? Medication names and strengths can vary from country to country. Visit myuhc.com to see drug name translations and get detailed information on medications. Call Customer Care for help in understanding medication differences and your benefits.

Where to find pharmacies In the U.S., Puerto Rico and Guam, you and covered family members can fill prescriptions at thousands of in-network retail pharmacies. Locate pharmacies at myuhc.com or call Customer Care for help. A few things to note: • Your plan covers prescription medication only. Pharmacy benefits will not apply if your medication is available over-the-counter in the U.S. • If you can’t get a specific medication in another country, there may be a comparable option. Discuss this with your doctor ahead of time so you are prepared. New prescriptions should arrive within ten business days from the date the completed order is received by the Mail Service Pharmacy. Completed refill orders should arrive in about seven business days. Optum Rx will contact you if there will be an extended delay in the delivery of your medications.

Find care

Find the Right Care

Find the right care Finding care is simple when you sign in to myuhc.com or use the UHC Global app. This is where you can quickly find a primary care provider (PCP), clinic, hospital or lab based on location, specialty, availability, hours of operation and more. You can even see patient ratings and view average costs before you choose a provider. If you would like more information about a provider’s qualifications, call the phone number on your ID card.

Need help finding care? • More information on how to find the right type of provider in the U.S. • More information on how to find a provider outside of the U.S. • Visit myuhc.com or call the number on your ID card if you need additional assistance

Choosing a provider in the U.S. The UnitedHealth Premium® program uses national, evidencebased, standardized measures to evaluate physicians in various specialties to help you locate quality providers. Find UnitedHealth Premium Care Physicians by going to myuhc. com > Find Care & Costs and look for blue hearts.

Urgent Care vs. Emergency Room Do you know the best choice for your healthcare needs? Let’s demystify the benefit of Urgent Care over Emergency Rooms and understand their appropriate uses!

BENEFITS OF URGENT CARE

BENEFITS OF EMERGENCY ROOMS

Cost Effective: On average, Urgent Care visits are significantly less expensive than visits to the Emergency Room.

Advanced Care: ERs are equipped to handle severe and lifethreatening conditions. Round the Clock: ERs operate 24/7, providing care whenever needed.

Efficient: Urgent Care facilities generally have shorter wait times compared to ERs.

Specialized Staff: ERs have specially trained staff for severe traumas and conditions.

Accessible: With flexible hours and convenient locations, Urgent Care is a practical option for non-life-threatening conditions.

What emergency rooms can see you for ■

Severe chest pain or difficulty breathing

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Compound fractures (bone exposed)

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Seizures lasting longer than five minutes

What urgent care can see you for:

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Deep wounds or severe burns Uncontrolled bleeding

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Minor fractures, sprains, strains

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Minor cuts and burns

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Poisoning

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Flu or cold symptoms

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Serious head, neck, or back injury

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Urinary tract infections

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Ear and eye infections

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Allergies and asthma

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Dehydration and minor illnesses

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Skin conditions and infections

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Vaccinations and physicals

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Laboratory services and X-Rays

Comprehensive Care: Urgent Care facilities offer a wide range of services, from treating minor injuries to performing laboratory tests and X-rays.

Remember: for life-threatening emergencies, call 911 immediately! Know your options and choose wisely. Your health and your wallet will thank you!

Employee Assistance Program When life gets challenging, you’ve got caring, confidential help. Your Employee Assistance Program (EAP) provides support and resources to help you and your family with a range of issues, including: ■

Depression, anxiety and stress

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Substance use disorder

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Problems or conflicts at work

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Parenting and family struggles

Financial or legal issues Mental and emotional support as it pertains to chronic and complex medical conditions

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Isolation and loneliness

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Culture shock

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Work-life balance and burnout

There is no additional cost to access EAP resources. Services are completely confidential and will not be shared with your employer.

LET’S GET STARTED If you want to see a clinician, we’ll match you with one in our network who has the appropriate experience to help. If you need financial or legal services, we will refer you to an expert in that field. Members receive up to 7 annual visits per issue with specialists and experts sensitive to your gender, language and cultural requirements.

There are 3 ways to access your EAP:

Call

Go online

Download the app

Talk to a specialist.

Download the Optum My Wellbeing app. Once registered, click ‘Contact your EAP’ from the home page.

United States access: +1 877.510.9664 International access: +44 1865.397.074

Life Insurance BASIC LIFE INSURANCE AND AD&D International Alliance Group offers Group Term Life Insurance Plan at no cost to the Member.

Life insurance provides protection for those who depend on you financially. Your need varies greatly due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident.

Coverage for each full-time benefit eligible member is $25,000.

Zero Monthly Cost International Alliance Group enrolls members in health insurance at no cost to the member, unless the member chooses District coverage. Members enrolled in IAG’s health benefits are only responsible for any out of pocket expenses they may incur.

MEDICAL PLANS - MONTHLY

UNITEDHEALTHCARE GLOBAL MEDICAL PLAN MEMBER

$0.00

DENTAL PLAN MEMBER

$0.00

VISION $0.00

Important Phone Numbers & Websites UnitedHealthcare Global UnitedHealthcare Medical, Dental and Vision Plans +1.844.265.8319 uhcglobal.com

International Alliance Group benefits@iagusa.org

ABOUT THIS BOOKLET This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible members. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.

Capital Financial 14614 N. Kierland Blvd., Suite N220, Scottsdale, AZ 85254 Office / 480.347.0926 Fax / 480.360.6417