25 26
EMPLOYEE BENEFITS GUIDE for a healthy you
welcome!
We are pleased to offer a full benefits package to you and your eligible dependents. Read this guide to know what benefits are available to you. You may only enroll for or make changes to your benefits during Open Enrollment or when you have a Qualifying Life Event. Availability of Summary Health Information Your benefits program offers medical plan coverage options. To help you make an informed choice, review each plan’s Summary of Benefits and Coverage, available in the Employee Navigator. YOUR NEW BENEFITS BEGIN
August 1, 2025
2
contents
FOR YOUR 2025-2026 EMPLOYEE BENEFITS
4
Eligibility
17 Health Care Options
6
How To Enroll
18 Dental
7
Employee Response Center
19 Vision
8
Medical
22 Qualified Hsa Expenses
9
Anthem Hospital Networks
23 Life And Ad&D Insurance
10 Medical Plan Comparison 11
Prescription Drug Coverage
12 Anthem Blue Cross Blue Shield Resources 13 Anthem Wellness Program
10 Medical Plan Comparison
20 Health Savings Account
Compare your medical plan coverage options and when you may enroll for benefits
24 Disability Insurance 25 Supplemental Benefits 27 Employee Assistance Programs 28 Spot Pet Insurance 29 Additional Benefits 30 Your Contributions
15 Telemedicine
31 Important Contacts
16 Urgent Care Clinics
32 Legal Notices 3
31 Important Contacts Get carrier websites, emails, and phone numbers
eligibility
You are eligible for coverage if you are a regular, full-time employee. You may only enroll for coverage when: ●
You are a new hire
●
It is Open Enrollment (OE)
●
You have a Qualifying Life Event (QLE)
How to Enroll Log in to www.employeenavigator.com and make your elections. See page 6 for full instructions.
Questions? Call or text 855-686-2685. Email mtcbenefits@eb.higginbotham.net.
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see page 32 for more details.
4
eligibility
FOR YOUR 2025-2026 BENEFITS
new hire
employee
dependent(s)
• A regular, full-time employee
• A regular, full-time employee
• Your legal spouse • Child(ren) under age 26 regardless of student,
Who is Eligible
Who is Eligible
working an average of 30 hours per week
Who is Eligible
working an average of 30 hours per week
• Child(ren) over age 26 who are fully
When to Enroll
When to Enroll
• By the deadline given by Human
• During OE or when you have
When Coverage Starts
When Coverage Starts
• First of the month after completing
• OE: Start of the plan year • QLE: Ask Human Resources
Resources
30 days of full-time employment
dependency, or marital status
a QLE
dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
When to Enroll • At OE or for a QLE • When covering dependents, you must enroll for and be on the same plans
When Coverage Starts • Ask Human Resources
qualifying life events CHANGING COVERAGE OUTSIDE OF OPEN ENROLLMENT You may only change coverage during the plan year if you have a QLE, such as:
Marriage
Birth
Divorce
Adoption/placement for adoption
Legal separation Annulment Death of a spouse
FMLA, COBRA event, court judgment, or decree
Gain or loss of benefits coverage
Becoming eligible for Medicare, Medicaid, or TRICARE
Change in employment status affecting benefits
Change in benefits eligibility Death of a child
Receiving a Qualified Medical Child Support Order
Significant change in cost of spouse’s coverage
You have 30 days from the event to notify Human Resources and complete your changes. You may need to provide documents to verify the change.
5
how to enroll ONLINE
To begin the enrollment process, go to www.employeenavigator.com. First-time users: Follow steps 1-4. Returning users: Log in and start at step 5.
1
First-time users: Click the New User Registration link. Once you register, you will use your username and password to log in.
2
Enter your personal information and Company Identifier of Meridian Title Company and click Next.
3
Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish.
4
If you used an email address as your username, you will receive a validation email to that address. You may now log in to the system.
5
Returning users: Click the Start Enrollment button to begin the enrollment process.
6
Confirm or update your personal information and click Save & Continue.
7
Edit or add dependents who need to be covered on your benefits. Once all dependents are listed, click Save & Continue.
8
Follow the steps on the screen for each benefit to select or decline coverage. To decline coverage, click Don’t want this benefit? and select the reason for declining.
9
When you finish making your benefit elections, review your selections. If correct, click the Click to Sign button to complete and submit your enrollment choices.
Call or text 855-686-2685 with a bilingual representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. Email questions or requests to mtcbenefits@eb.higginbotham.net.
6
We all have questions. The Higginbotham Employee Response Center is available to help you!
enrollment
eligibility
benefits information
claims and billing questions
employee 855-686-2685 RESPONSE CENTER
Call or text a bilingual representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. Email questions or requests to mtcbenefits@eb.higginbotham.net.
7
medical
The medical plan options through Anthem Blue Cross Blue Shield (Anthem) protect you and your family from major financial hardship in the event of illness or injury. You have a choice of three plans using the Anthem Narrow (Blue Preferred) Network: Narrow Network HSA $5,000 Plan This HDHP plan has a $5,000 Individual and a $10,000 Family in-network deductible. Narrow Network $5,000 Copay Plan This PPO plan has a $5,000 Individual and a $10,000 Family in-network deductible. Narrow Network $3,000 Copay Plan This PPO plan has a $3,000 Individual and a $6,000 Family in-network deductible. You also have a choice of three plans using the Anthem Broad (Blue Access) Network: Broad Network HSA $5,000 Plan This HDHP plan has a $5,000 Individual and a $10,000 Family in-network deductible. Broad Network $5,000 Copay Plan This PPO plan has a $5,000 Individual and a $10,000 Family in-network deductible. Broad Network $3,000 Copay Plan This PPO plan has a $3,000 Individual and a $6,000 Family in-network deductible.
Preferred Provider Organization A Preferred Provider Organization (PPO) plan allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other in-network services are covered at the deductible and coinsurance level.
High Deductible Health Plan Find an In-Network Provider Visit www.anthem.com/find-care. Call 833-578-4436.
A High Deductible Health Plan (HDHP) allows you to see any provider when you need care, and you will pay less for care when you go to in-network providers. In exchange for a lower per-paycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account (see page 20).
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Anthem hospital networks Office Location
Narrow (Blue Preferred) Network Hospital Systems
Broad (Blue Access) Network Hospital Systems
Springfield, MO
Cox Medical Center Meyer Orthopedic and Rehabilitation Hospital Springfield VA Clinic
Cox Medical Center Mercy Hospital Meyer Orthopedic and Rehabilitation Hospital Ozarks Community Hospital Springfield VA Clinic
Joplin, MO
Freeman Health System Mercy Hospitals
Freeman Health System Mercy Hospitals
St. Louis, MO
Cardinal Glennon Children’s Hospital SSM Health Hospitals Shriners for Children
Alton Memorial Hospital Anderson Hospitals Barnes Jewish Hospital Christian Hospital Memorial Hospitals Mercy Hospitals Missouri Baptist Medical Center OSF Saint Anthony’s Ranken Jordan SSM Health Hospitals Shriners for Children St Luke’s St Elizabeth’s
Wichita, KS
Kansas Heart Hospital Kansas Spine & Specialty Hospital Via Christi Hospitals Wesley Medical Center
Via Christi Hospitals Kansas Medical Center Kansas Heart Hospital Kansas Spine and Specialty Hospital Rock Regional Hospital Wesley Medical Center
Harrison, AR
North Arkansas Regional Medical Center
North Arkansas Regional Medical Center
Bentonville, AR
Arkansas Children’s Northwest Mercy Hospital Rogers Northwest Health Northwest Health Physicians Specialty Hospital NW AR Hospital Willow Creek Ozarks Community Hospital of Gravette Siloam Springs Regional Physician’s Specialty Hospital
Arkansas Children’s Northwest Mercy Hospital Rogers Northwest Health Medical Centers Northwest Health Physicians Specialty Hospital Siloam Springs Regional Hospital
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medical plan comparison FOR PREVENTIVE TO CHRONIC CARE
HSA $5,000 Plan
$5,000 Copay Plan
$3,000 Copay Plan
Narrow Network
Narrow Network
Narrow Network
Broad Network Medical
Broad Network
Broad Network
In-Network
Out-of-Network
In-Network
Out-of-Network
In-Network
Out-of-Network
Calendar Year Deductible Individual Family
• •
$5,000 $10,000
$15,000 $30,000
$5,000 $10,000
$15,000 $30,000
$3,000 $6,000
$9,000 $18,000
Out-of-Pocket Maximum Includes deductible Individual Family
$7,500 $15,000
$22,500 $45,000
$7,900 $15,800
$23,700 $47,400
$6,500 $13,000
$19,500 $39,000
• •
You Pay
You Pay
You Pay
Preventive Care
$0
50%1
$0
50%1
$0
30%1
Telemedicine Primary Care Physician Specialist
• •
$01 20%1
Not covered
$0 $70
Not covered
$0 $70
Not covered
Primary Care Physician
20%1
50%1
$0 for children up to age 19; $30 over age 19
50%1
$0 for children under age 19; $30 over age 19
30%1
Specialist
20%1
50%1
$70
50%1
$70
30%1
Diagnostic Lab and X-ray
20%1
50%1
office/lab: $0 outpatient: 20%1
50%1
office/lab: $0 outpatient: 20%1
30%1
Complex Imaging CT/PET scan, MRI
20%1
50%1
20%1
50%1
$01
30%1
Urgent Care
20%1
50%1
$50
Emergency Room
1
20%
1
20%
$300
Inpatient Hospital Services
20%1
50%1
20%1
50%1
0%1
30%1
Outpatient Services Office visits Other
20%1 20%1
50%1 50%1
$30 20%1
50%1 50%1
$30 0%1
30%1 30%1
$151/$251 $401/$501 $801/$901 25%1 up to $350/$4501
50%1 50%1 50%1 50%1
$15/$25 $40/$50 $80/$90 25%1 up to $350/$450
50%1 50%1 50%1 50%1
$15/$25 $40/$50 $80/$90 25%1 up to $350/$450
50%1 50%1 50%1 50%1
$30 1 /Not covered $1001/Not covered $2001/Not covered
Not covered Not covered Not covered
$30/Not covered $100/Not covered $200/Not covered
Not covered Not covered Not covered
$30/Not covered $100/Not covered $200/Not covered
Not covered Not covered Not covered
• •
Prescription Drugs – Retail Up to 31-day supply Tier 1 Tier 2 Tier 3 Tier 4
• • • •
Prescription Drugs – Mail Order Up to 90-day supply Tier 1 Tier 2 Tier 3
• • • 1
The amount you pay after the deductible is met.
10
50%1 1
$300
$50 1
$300
30%1 1
$3001
prescription drug coverage Mail Order Pharmacy
Your Anthem medical plan offers retail, mail order, and specialty drug benefits. Refer to the Anthem prescription drug list to see the covered medications. Note: Drugs not included on the Essential drug list will not be covered.
If you take maintenance medication for a chronic or longterm condition, consider using home delivery to receive a 90-day supply to save time and money. Or you may obtain two 30-day supply fills of the same maintenance medication at a retail pharmacy. Prior to your third prescription refill, you must call Anthem at the number on your ID card to provide direction on how you want to receive your maintenance medication – either from a retail pharmacy or by home delivery. If you do not contact Anthem, you will pay the full retail cost of any maintenance medication until you inform Anthem of your decision.
Retail Pharmacy Get a 30-day supply of short-term medications at in-network pharmacies to get the highest level of benefits. Anthem’s Rx Choice Tiered Network offers two levels of pharmacies:
• Level 1 – preferred pharmacies: Includes major chains like CVS and Walmart, where you will pay the lower copay listed on page 10.
Specialty Pharmacy
• Level 2 – non-preferred pharmacies: Includes major chains
Anthem may require certain drugs to be filled at a designated specialty pharmacy if the drugs require special handling, provider coordination, or patient education. Drug cost-share assistance programs may be available for certain specialty drugs.
like Walgreens and Costco; offers more choices, but you will pay the higher copay listed on page 10.
$0 Cost for Specialty Drugs The Cost Relief program offers $0 cost specialty drugs. If you are a candidate for specialty drugs, a representative will reach out to you through a letter and a phone call to tell you your available options.
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Anthem Blue Cross Blue Shield resources FOR GETTING THE MOST OUT OF YOUR MEDICAL COVERAGE
Anthem Member Website
Sydney Health Mobile App
You can access the Anthem member website at www.anthem.com.
Download the Sydney Health app and log in using your Empire username and password. You can access the same information that the website offers through the mobile app.
• Search for doctors,hospitals, labs, and other health care providers in your plan.
• Check costs for care before you see a doctor. • Access your digital member ID card. • See your plan coverage. • Check your deductible, copays, and out-of-pocket costs. • Refill, renew, cancel, and check the order status of home
Scan this code to download the Sydney Health app.
delivery prescriptions.
• Access your spending account balance.
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Anthem wellness program Wellness Rewards Program
If you are enrolled in an Anthem medical plan, you have access to Wellbeing Solutions, a suite of programs to help you with everyday health and your overall well-being.
The Wellbeing Solutions program gives you the opportunity to earn up to $200 in rewards for completing the activities in the chart below for preventive care, condition management, or digital and wellness activities.
Proactive Wellness Resources
Activity
These resources can help prevent and promote early detection, as well as offer expert guidance, to improve your long-term health outcomes.
Preventive Care* Annual preventive wellness exam or well-woman exam Annual cholesterol test Colorectal cancer screening (ages 45 and older) Routine mammogram (women ages 40 to 74) Annual eye exam Annual flu shot
Health Assessment By taking a short health assessment on MyHealth Check-in, you will receive personalized health tips and resources to support your needs. We will offer details on programs that can help you lower health risks, reach your personal goals, and prevent future health problems.
•
$25
• • • • •
$20 $25 $25 $20 $20
Condition Management Programs** Work one-on-one with your health coach on chronic conditions such as asthma, diabetes, and heart and lung conditions. Use the Sydney Health app to get help (through content, tools, and trackers) conceiving a baby or raising a toddler. Get weight management one-on-one coaching by phone. Get tobacco cessation one-on-one coaching by phone.
Health Summary MyHealth Advantage provides a confidential health summary that includes reminders for checkups, tests, and exams; lists of claims and prescriptions; and general health tips.
24/7 NurseLine Talk to a trained, registered nurse without leaving your home. Convenient, 24/7 care means you can quickly get the answers to common health concerns.
Amount
•
$50
•
$40
•
$25
•
$25
Digital and Wellness Activities** Action plans Connect a device Health assessment Log in to website or app Track steps Update contact information Well-being Coach digital app
$25 $5 $20 $5 $60 $10 $20
• • • • • • •
* Your rewards are added to your account after your claim is processed, which may take up to 60 days. **Rewards are added to your account as activities are completed.
How to Use Your Rewards You can spend your earned rewards cash using an electronic gift card, which is redeemable at Amazon, Uber, Gap Options, Apple, Target, The Home Depot, and TJ Maxx.
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1.
Open the Sydney Health app or visit www.anthem.com.
2.
Go to My Health Dashboard, then click on My Rewards.
3.
Select Redeem Rewards to see how much you’ve earned.
Mental Health Resources
Condition-based Wellness Resources
Whether you are dealing with stress, anxiety, or other mental health challenges, connect to expert, compassionate, and confidential care – often at little or no cost.
Well-being Coach
Sydney Health App The Sydney Health app is your on-the-go mental health hub:
• Find in-network behavioral health providers. • Review coverage and costs. • Access self-guided well-being tools. • Schedule virtual visits with therapists via LiveHealth Online.
Behavioral Health Resource Center Available 24/7, caring experts will work with you at no extra cost to find treatment programs and arrange confidential counseling and support services for anxiety, depression, eating disorders, or substance use. Call 844-451-1576.
Behavioral Health Case Management Licensed mental health professionals are available through our Behavioral Health Case Management program to develop a personalized care plan and connect you with the right providers and resources to support your unique needs and those of your family. Call 844-451-1576.
Emotional Well-being Resources Anthem offers digital programs and personalized coaching designed to help you build resilience, manage stress, and practice mindfulness. These online tools help you recognize and adjust thoughts and behaviors that may impact your well-being – all at no additional cost.
Employee Assistance Program Get free, confidential mental health support, including up to three counseling sessions per issue, 24/7 crisis help, and selfguided emotional well-being tools. Call 800-999-7222 or visit www.anthemeap.com with code: Anthem Missouri.
Autism Spectrum Disorder Program For families of members on the autism spectrum, this program offers expert support, care coordination, and help navigating ABA therapy and community resources. Call 844-451-1576.
Access one-on-one health coaching by phone or text through the Sydney Health app. Get support to manage stress, sleep better, quit tobacco, or maintain a healthy weight – especially helpful for those at risk of high costs or conditions related to smoking and obesity.
Maternity Program The Building Healthy Families program can support you throughout your pregnancy, so you have a safe delivery and a healthy child. Sign up early in your pregnancy for support that includes:
• 24/7 nurse advice line • Screenings for depression or early delivery risks • Free phone calls with specialists, if needed • Information about your pregnancy with tips to keep you and your baby safe and well
Back and Joint Pain Program This personalized, digital program offers a comprehensive approach to pain relief. It includes coaching, exercises, and education on nutrition, mindfulness, pain management, and sleep.
Health Advocate for Chronic Conditions Concierge Care pairs you with a personal health advocate to provide coaching and digital resources on health conditions, such as type 2 diabetes and heart failure, as well as when you are being discharged from an inpatient setting.
Chronic Condition Management ConditionCare offers one-on-one, digital support from a health care professional for chronic conditions like asthma or diabetes to help you reach your health goals.
Case Management After an illness or hospital stay, you can receive one-on-one support and care coordination from our team of medical professionals. They partner with you and your family to help guide you through the health care system and make the most of your benefits. Their goal is to understand your needs from all angles and help you get the best care possible.
Cancer Care If you or a family member is facing a cancer diagnosis or have started treatment, the Cancer Care Navigator program can provide one-on-one guidance and digital support when it matters most.
Access Anthem Wellness Resource Register with Anthem’s LiveHealth Online so you are ready to use this valuable service when and where you need it. Visit www.anthem.com. Call 888-548-3432. Download the Sydney Health app.
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telemedicine
FOR CONVE NIE NT, 24/ 7 CARE
Your medical coverage offers telemedicine services through Anthem’s LiveHealth Online. Connect anytime day or night with a board-certified doctor via your mobile device or computer for the same or lower cost than a visit to your regular physician. While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
• Have a non-emergency issue and are considering an after-hours health care clinic, urgent care clinic, or emergency room for treatment
• Are on a business trip, vacation, or away from home • Are unable to see your primary care physician
When to Use Telemedicine Use telemedicine for minor conditions such as:
• Sore throat • Headache • Stomachache • Cold/Flu
• Mental health issues • Allergies • Fever • Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Registration is Easy Register with Anthem’s LiveHealth Online so you are ready to use this valuable service when and where you need it. Visit www.anthem.com. Call 888-548-3432. Download the Sydney Health app.
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urgent care clinics FOR COMMON ILLNESSES
When you need quick, convenient, and affordable treatment for common illnesses but your doctor’s office is not open or you need to be seen quickly, urgent care clinics provide simple, non-emergency services to walk-in patients. The nurse practitioner and physician assistants who staff the clinics are certified, licensed health care professionals and are qualified to:
• Diagnose and treat common injuries and minor illnesses • Prescribe or order medication • Give most vaccinations Common conditions treated at urgent care clinics can include:
• Allergies • Bladder infections • Flu • Ear infections • Upper respiratory infections
• Pink eye or stye • Sinus infections • Sore throat • Insect bites • Minor burns, rashes, or skin infections
Did You Know? The cost of treating MOST common medical conditions can be up to five times greater in the emergency room than in a physician’s office or an urgent care center. Also, people experiencing a situation requiring prompt medical attention that is not life-threatening may receive faster care at a convenient care clinic or urgent care clinic, or by scheduling a same-day appointment with their primary care physician, if available. Your out-of-pocket costs are much less in a non-emergency setting:
Urgent Care Costs
Urgent Care
Urgent Care
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Narrow HSA $5,000 Plan
Narrow $5,000 Copay Plan
Narrow $3,000 Copay Plan
20% after deductible
$50 copay
$50 copay
Broad HSA $5,000 Plan
Broad $5,000 Copay Plan
Broad $3,000 Copay Plan
20% after deductible
$50 copay
$50 copay
health care options
FOR NON-EMERGENCY AND EMERGENCY CARE
Becoming familiar with your options for medical care can save you time and money.
Non-emergency Care Telemedicine
Allergies
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed.
Cough/cold/flu Rash
Doctor’s Office
Office hours vary
Vaccinations
15-20 minutes
$
15 minutes
$$
15-30 minutes
$$$$
4+ hours
$$$$$
Varies
Minor injuries/sprains/strains
Common infections
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies.
Minor injuries Pregnancy tests Vaccinations
Hours vary based on store hours
Urgent Care Generally includes evening, weekend, and holiday hours
$
Infections Sore and strep throat
Retail Clinic
When you need immediate attention; walk-in basis is usually accepted.
2-5 minutes
Stomachache
24 hours a day, 7 days a week
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history.
$
Sprains and strains Minor broken bones Small cuts that may require stitches Minor burns and infections
Emergency Care Chest pain
Hospital ER Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility.
Difficulty breathing Severe bleeding Blurred or sudden loss of vision
24 hours a day, 7 days a week
Major broken bones
Freestanding ER Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher.
Most major injuries except trauma Severe pain
24 hours a day, 7 days a week Note: Examples of symptoms are not inclusive of all health issues. Wait times described are only estimates. This information is not intended as medical advice. If you have questions, please call the phone number on the back of your medical ID card.
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dental
F O R YO U R P E A R LY W H I T E S
Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Coverage is provided through Kansas City Life.
DPPO Plan Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.
Predetermination of Benefits If you need extensive dental work done, we recommend you first request a predetermination of benefits from your dentist. Call Kansas City Life’s member services afterward to ensure you are not being overcharged for the dental services.
Dental Reserve Account This feature allows enrolled members to save a portion of your calendar year maximum to utilize in the future when you exceed the plan’s maximum. To qualify for this, you must be on the plan for at least three months and have had submitted at least one claim for preventive or basic services during the previous year.
Find an In-Network Dentist Visit www.kclgroupbenefits.com/ dentalproviderssearch.
Dental Plan Summary In-Network
Out-of-Network2
• •
$50 $150
$50 $150
Calendar Year 1 Benefit Maximum Per individual
$1,000
$1,000
You Pay
You Pay
Preventive Services Complete series X-rays, exams, prophylaxis, periodontal maintenance
$0
$0
Basic Services Anesthesia, tissue conditioning, palliative treatment, endodontics, extractions, fillings, oral cancer screening periodontics
10%
20%
Major Services Bridges, crowns, dentures, inlays, onlays, implants
40%
50%
Calendar Year 1 Deductible Individual Family
3
Calendar year is January 1 – December 31. Your calendar year deductible and benefit maximum will reset to $0 every January 1. 1
When you use out-of-network providers, your benefits will be paid based on a contracted fee schedule {a set amount for each type of service that is determined by Kansas City Life). If your dentist’s fee is lower than the scheduled fee, the plan will pay benefits based on the actual fee. If the fee is higher, the plan will pay benefits based only on the scheduled fee, and you are responsible for the difference. 2
Fluoride treatments, sealants, and space maintainers are for dependent children under age 19. 3
Call 877-266-6767.
18
vision
FOR YOUR PEEPERS
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see innetwork providers. Coverage is provided through Kansas City Life using the VSP vision network.
Vision Plan Summary In-Network You Pay
Out-of-Network Reimbursement
Exam
$10 copay
Up to $45
Lenses Single vision Lined bifocals Lined trifocals Lenticular
$25 copay $25 copay $25 copay $25 copay
Up to $30 Up to $50 Up to $65 Up to $100
20% off balance over $130 allowance
Up to $70
• • • •
Frames
Contacts In lieu of frames and lenses Elective Medically necessary
• •
$130 allowance Covered in full after $25 copay
Up to $105 Up to $105
Benefit Frequency
Find an In-Network Vision Provider Visit www.kclgroupbenefits.com/vision or www.vsp.com/eye-doctor.
Exam
Once every 12 months
Lenses
Once every 12 months
Frames
Once every 24 months
Contacts
Once every 12 months
Call 877-266-6767.
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health savings account FOR CURRENT OR FUTURE EXPENSES
A Health Savings Account (HSA) is a tax-exempt tool to supplement your retirement savings and to cover current and future health costs. An HSA is a type of personal savings account that is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for current or future qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year. YOU DECIDE HOW TO USE YOUR HSA FUNDS
Use it Now
Let it Grow
Make annual HSA contributions.
Make annual HSA contributions.
Pay for eligible medical costs.
Pay for medical costs with other funds.
Keep HSA funds in cash.
Invest HSA funds.
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tax benefits
HSA contributions are tax-deductible and grow tax-deferred. Withdrawals for qualifying medical expenses are tax-free.
HSA Eligibility
Open an HSA
You are eligible to open and contribute to an HSA if you are:
If you meet the eligibility requirements, you may open an HSA at the bank of your choice. You will need to provide the account and routing number to Human Resources for your funds to be deposited. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA.
• Enrolled in an HSA-eligible HDHP • Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account • Not eligible to be claimed as a dependent on someone
Important HSA Information
else’s tax return
• Always ask your network doctor to file claims with your
• Not enrolled in Medicare, Medicaid, or TRICARE • Not receiving Veterans Administration benefits
medical, dental, or vision carrier so you will get the highest level of benefits. You can pay the doctor with your HSA debit card for any balance due.
Maximum HSA Contributions 2025
2026
$4,300 Individual
$4,400 Individual
$8,550 Family
$8,750 Family
• You, not your employer, are responsible for maintaining
ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• You may open an HSA at the financial institution of your choice.
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are age 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at anytime during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
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Qualified HSA expenses The products and services listed below are examples of medical expenses eligible for payment using your HSA. This list is not all-inclusive; additional expenses may qualify, and the items listed are subject to change in accordance with IRS regulations. Please refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for a complete description of eligible medical and dental expenses.
Abdominal supports
Diagnostic fees
Metabolism tests
Prescription medicines
Acupuncture
Diathermy
Neurologist
Psychiatrist
Air conditioner (when necessary for relief from difficulty in breathing)
Drug addiction therapy
Nursing (including board and meals)
Psychoanalyst
Obstetrician
Psychotherapy
Drugs (prescription)
Psychologist
Alcoholism treatment
Elastic hosiery (prescription)
Operating room costs
Ambulance
Radium therapy
Eyeglasses
Ophthalmologist
Anesthetist
Registered nurse
Optician Optometrist
Special school costs for the handicapped
Artificial limbs
Fees paid to health institute prescribed by a doctor
Oral surgery
Spinal fluid test
Autoette (when used for relief of sickness/disability)
FICA and FUTA tax paid for medical care service
Splints
Blood tests
Fluoridation unit
Organ transplant (including donor’s expenses)
Blood transfusions
Guide dog
Orthopedic shoes
Braces
Gum treatment
Orthopedist
Telephone or TV equipment to assist the hard-of-hearing
Cardiographs
Gynecologist
Osteopath
Therapy equipment
Chiropractor
Healing services
Contact lenses
Hearing aids and batteries
Oxygen and oxygen equipment
Transportation expenses (relative to health care)
Convalescent home (for medical treatment only)
Hospital bills
Pediatrician
Ultraviolet ray treatment
Hydrotherapy
Physician
Vaccines
Crutches
Insulin treatment
Physiotherapist
Vitamins (if prescribed)
Dental treatment
Lab tests
Podiatrist
Wheelchair
Dental X-rays
Lead paint removal
Postnatal treatments
X-rays
Dentures
Legal fees
Dermatologist
Lodging (away from home for outpatient care)
Practical nurse for medical services
Arch supports
Prenatal care
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Surgeon
life and AD&D insurance FO R F I N A N C IA L S ECU R IT Y A F TE R D E ATH O R LOSS
Life and Accidental Death and Dismemberment (AD&D) insurance through Kansas City Life are important to your financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by 35% at age 65 and by 50% at age 70.
Voluntary Life and AD&D Rates Rates per $1,000 Employee and Spouse1 Age
Rate
Age
Rate
<30
$0.047
55-59
$0.563
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $25,000 for each benefit.
30-34
$0.073
60-64
$0.818
35-39
$0.103
65-69
$1.416
Voluntary Life and AD&D
40-44
$0.152
70-74
$2.442
45-49
$0.229
75-100
$9.044
50-54
$0.366
Basic Life and AD&D
If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).
Child(ren) To age 19 1
$0.2864
Spouse rate is based on employee age.
Please see Employee Navigator for the cost of adding or increasing this coverage.
employee
Designating a Beneficiary A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
• Increments of $10,000 up to five times your salary or $300,000
• Guaranteed Issue lesser of five times earnings or $100,000 or $25,000 if age 70 or older
spouse
Waiver of Premium
• Increments of $5,000 up to $100,000 not to exceed 50%
If you become totally disabled before age 60, life premiums will be waived and life coverage continued to the earliest of age 65 or retirement. Actual proof of disability will be required.
of employee coverage.
• Guaranteed Issue lesser of 50% of employee amount or $25,000
Accelerated Benefit
child(ren)
This benefit provides an advanced payout of benefits for the expenses covered for employees who are terminally ill and not expected to live for more than 12 months. The benefit pays 75% of the life insurance benefit.
• Increments of $2,500 up to a maximum of $10,000 • Guaranteed Issue $10,000 23
disability insurance
FOR WHEN YOU CANNOT WORK DUE TO ACCIDENT OR ILLNESS
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We offer Short Term Disability (STD) and Long Term Disability (LTD) for you to purchase through Kansas City Life.
Voluntary Short Term Disability
Voluntary Long Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, or non-work-related injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered workers’ compensation, not STD.
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up a maximum benefit period.
Voluntary Long Term Disability Benefits
Voluntary Short Term Disability Benefits Benefits Begin
8th day
Percentage of Earnings You Receive
60%
Maximum Weekly Benefit
$1,500
Maximum Benefit Period
13 weeks
Pre-existing Condition Exclusion
3/121
Benefits Begin
91st day
Percentage of Earnings You Receive
60%
Maximum Monthly Benefit
$10,000
Maximum Benefit Period
Social Security Normal Retirement Age
Pre-existing Condition Exclusion
3/121
Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months.
1
Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months. 1
Please see Employee Navigator for the cost of adding this coverage.
Please see Employee Navigator for the cost of adding this coverage.
24
supplemental benefits FOR PROTECTION AGAINST UNEXPECTED MEDICAL COSTS
You and your eligible family members have the opportunity to enroll in additional coverage that complements our traditional health care programs through Allstate. Health insurance covers medical bills, but if you have an emergency, you may face unexpected out-of-pocket costs such as deductibles, coinsurance, travel expenses, and non-medical expenses.
Accident Insurance
Cancer Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductibles, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details. You have two plan choices in Employee Navigator.
Treatment for cancer is often lengthy and expensive. While your health insurance helps pay the medical expenses for cancer treatment, it does not cover the cost of non-medical expenses such as out-of-town treatments, special diets, daily living, and household upkeep costs. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance helps pay for these direct and indirect treatment costs so you can focus on your health. You have two plan choices in Employee Navigator.
Accident Insurance Option 1
Option 2
Ambulance Ground Air
• •
$200 $600
$300 $900
Emergency Room
$200
$300
Medical Imaging
Hospital Admission
$1,000
$1,500
Daily Hospital Confinement
$200 per day
$300 per day
Intensive Care Unit
$400 per day
$600 per day
Specific Sum Injuries Concussions, dislocations, eye injuries, lacerations, ruptured discs, and more Accidental Death & Dismemberment1 Employee Spouse Child(ren)
• • • 1
$100-$2,000
$40,000 $20,000 $10,000
Cancer Insurance
$150-$3,000
$60,000 $30,000 $15,000
Percentage of benefit paid for dismemberment is dependent on type of loss.
Visit www.employeenavigator.com to see all supplemental insurance plan choices and rates.
Plan 1
Plan 2
$250 per year
$500 per year
Radiation and Chemotherapy Charges Per 12-month period
$5,000
$10,000
Cancer Initial Diagnosis (one -time benefit)
$2,000
$4,000
Continuous Hospital Confinement (daily)
$100
$200
Blood, Plasma, and Platelets (every 12 months)
$5,000
$10,000
Surgery (maximum, depending on surgery)
$1,500
$3,000
New or Experimental Treatment (every 12 months)
$5,000
$5,000
$500 $1,250 $2,500
$1,000 $2,500 $5,000
Bone Marrow or Stem Cell Transplant (yearly) Autologous Non-autologous Non-autologous for Leukemia
• • •
25
Critical Illness Insurance Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. See the plan document for full details.
Critical Illness Insurance Employee
$20,000
Spouse
Up to 50% of employee amount
Children
Up to 50% of employee amount First Occurrence Benefit
Full Coverage End-stage renal failure; heart attack; loss of sight, speech, or hearing; stroke; major marrow transplant; benign brain tumor; coma; paralysis
100% of benefit amount
Partial Coverage Coronary artery bypass; advanced Parkinson’s disease; Alzheimer’s disease
25% of benefit amount
Wellness Benefit One per covered person per calendar year
$100
Member Website
Visit www.employeenavigator.com to see all supplemental insurance plan choices and rates.
The Allstate MyBenefits website lets you manage your account and file claims online.
• Upload, review, and e-sign your claim. • Access direct deposit for faster processing. • View your full policies, certificates, and claim history.
• Download your EOBs (Explanation of Benefits statements).
• Get notified with updates on your claims. Mobile Optimization The member website works great on your smartphone and mobile devices. You can take a picture of your support documents and submit them with your phone or tablet.
How to Register 1.
Go to www.allstatebenefits.com/mybenefits and click Register your account today.
2.
Enter your account information: Your Social Security number, ZIP code, and birth date are required.
3.
Create your account: Choose your user ID and password.
4.
Answer two security questions: User ID retrieval and password reset.
26
employee assistance programs FOR WHEN YOU NEED A HELPING HAND
The Employee Assistance Programs from Acentra Health and Anthem help you and family members cope with a variety of personal and work-related issues. These programs provide confidential counseling and support services at little or no cost to you to help with:
For Support at Any Hour of the Day or Night Acentra Health Visit www.eaphelplink.com and use code KCLEAP5.
• Relationships • Work-life balance • Stress and anxiety • Will preparation and estate resolution • Grief and loss • Childcare and eldercare • Substance abuse
Call 877-239-8783.
Anthem Visit www.anthemeap.com and enter your company code: Anthem Missouri. Call 800-999-7222.
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Spot pet insurance
FO R TA KI N G CA R E O F YOU R FU R RY F R I E N DS
Pet insurance from Spot provides a financial safety net for you and your furry family. Get reimbursed for accidents and illnesses, and get a prompt response via the 24/7 pet health helpline.
Behavioral Issues
Covered Services
How Spot Pet Insurance Works
• Emergency visits • Lab fees • Behavioral problems • X-rays and tests
This benefit helps with the cost of visits to the veterinarian for concerning behaviors that may be related to anxiety or compulsive behavior including excessive licking, fur pulling, and destruction of the home.
• Surgeries • Cancer • And more
1.
Visit any licensed vet.
2.
Submit your claim online.
3.
Get reimbursed for eligible vet bills.
Visit https://spotpet.link/mtc or call 800-905-1595 to enroll.
Accidents Accident coverage will take care of costs for injuries and emergencies related to accidents such as torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Claims Process
Illnesses This coverage reimburses you for the costs of major and minor illnesses such as cancer, arthritis, allergies, and digestive problems.
1.
Visit any vet in the U.S. or Canada.
2.
Submit your claim online.
3.
Get cash back for covered vet bills.
Scan this QR code to learn more.
Hereditary and Congenital Conditions This benefit covers the cost of inherited conditions and birth defects that do not show symptoms until later in your pet’s life like heart disease, eye disorders, and hip dysplasia.
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additional benefits Worldwide Travel Assistance
As part of your Kansas City Life coverage, you have access to the following programs:
GGA provides travel assistance for you and your dependents if you are traveling on any single trip more than 100 miles from home. Contact a representative to get trip planning assistance; translation, interpreter, or legal services; lost baggage assistance; emergency funds; document replacement; medical emergency help; and more. Services are available for business and personal travel.
Beneficiary Companion Beneficiary Companion from Generali Global Assistance (GGA) will take care of the administrative details, notify third parties, and conduct proactive measures to protect a deceased individual’s identity from theft – relieving the stress of paperwork for your beneficiaries so they can focus on the healing process. Services Include:
Identity Theft Services The Identity Theft Assistance program, provided by GGA, helps you understand the risks of identity theft and how to prevent it. If your information is compromised, a representative will help with prevention, detection, and resolution.
• 24/7/365 live guidance from assigned beneficiary assistant coordinators
• Fraud resolution services • Notification to various entities, including: » Social Security Administration » State and local welfare and social services agencies
Contact
» Department of motor vehicles » Credit reporting agencies
Call 866-409-4690 within the U.S.; outside the U.S., call 240-330-1462.
» Credit card companies, banks, and other financial
institutions
Email ops@us.generaliglobalassistance.com.
» Third-party vendors (electricity companies, telephone
companies, cable and internet companies, etc.)
29
your contributions FO R CA LCU L ATI N G YOU R B E N E F IT COSTS
Your Contributions Medical
Narrow Network HSA $5,000 Plan
Narrow Network $5,000 Copay Plan
Narrow Network $3,000 Copay Plan
Employee
$24.77
$86.29
$116.77
Employee + Spouse
$316.05
$468.01
$543.61
Employee + Child(ren)
$175.36
$283.64
$337.30
Employee + Family
$498.35
$706.91
$810.26
Medical
Broad Network HSA HSA $5,000 Plan
Broad Network $5,000 Copay Plan
Broad Network $3,000 Copay Plan
Employee
$49.12
$114.63
$148.32
Employee + Spouse
$376.19
$538.01
$621.22
Employee + Child(ren)
$218.22
$333.53
$392.81
Employee + Family
$580.89
$802.99
$917.18
$
$
HSA HSA
Please indicate your HSA contribution amount in Employee Navigator
$
Dental (Meridian Title Company pays 90% of your premium and 20% of your dependent premium.) Employee
$1.91
Employee + Spouse
$21.43
Employee + Child(ren)
$15.94
Employee + Family
$36.07
$
Vision (Meridian Title Company pays 90% of your premium and 20% of your dependent premium.) Employee
$0.31
Employee + Spouse
$2.78
Employee + Child(ren)
$3.12
Employee + Family
$6.27
$
Life and AD&D Paid by Meridian Title Company
$
Please see Employeee Navigator for the cost of the Voluntary Life/AD&D
$
Short Term Disability
See Employee Navigator for rates
$
Long Term Disability
See Employee Navigator for rates
$
Accident Insurance
See Employee Navigator for rates
$
Cancer Insurance
See Employee Navigator for rates
$
Critical Illness Insurance
See Employee Navigator for rates
$
Spot Pet Insurance
See Employee Navigator for rates
$
Basic Life and AD&D Voluntary Life and AD&D
Disability
Supplemental Benefits
Your Total Semimonthly Benefits Cost
$
30
important contacts FOR QUESTIONS ABOUT YOUR COVERAGE
Benefits Assistance
Disability
Higginbotham Employee Response Center
KCL 877-266-6767 www.kclgroupbenefits.com
855-686-2685 mtcbenefits@eb.higginbotham.net
Employee Assistance Programs
Medical
Acentra Health 877-239-8783 www.eaphelplink.com Code: KCLEAP5
Anthem Blue Cross Blue Shield 833-578-4436 www.anthem.com
Anthem 800-999-7222 www.anthemeap.com
Telemedicine Anthem’s LiveHealth Online www.anthem.com 888-548-3432 Sydney Health app
Accident, Cancer, and Critical Illnesss
Dental
Allstate 888-282-2550 www.allstatebenefits.com/mybenefits
KCL 877-266-6767 www.kclgroupbenefits.com
Generali Global Assistance KCL 866-409-4690 (within the U.S.) 240-330-1462 (outside the U.S.) ops@us.generaliglobalassistance.com
Vision KCL/VSP 877-266-6767 www.kclgroupbenefits.com or www.vsp.com/eye-doctor
Human Resources Emily Burcham 417-886-4400 eburcham@mtc.llc
Health Savings Account Open an HSA at the financial institution of your choice.
Basic and Voluntary Life and AD&D KCL 877-266-6767 www.kclgroupbenefits.com
31
legal notices
If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.
Women’s Health and Cancer Rights Act of 1998 In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.
Marriage, Birth or Adoption If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.
As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:
• All stages of reconstruction of the breast on which the
For More Information or Assistance
mastectomy was performed;
To request special enrollment or obtain more information, contact:
• Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
Meridian Title Company Human Resources 1334 E. Republic Road Springfield, MO 65804 417-886-4400
• Prostheses and treatment of physical complications of the mastectomy, including lymphedema. Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.
Your Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Meridian Title Company and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
Special Enrollment Rights This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.
If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.
Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP) If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
32
For more information about this notice or your current prescription drug coverage:
2. Meridian Title Company has determined that the prescription drug coverage offered by the Meridian Title Company medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage. The HSA plan is not considered Creditable Coverage.
Contact the Human Resources Department at 417-8864400. NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.
Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.
For more information about your options under Medicare prescription drug coverage: More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).
• Visit www.medicare.gov. • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.
You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Meridian Title Company at the phone number or address listed at the end of this section.
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-7721213. TTY users should call 800-325-0778.
If you choose to enroll in a Medicare prescription drug plan and cancel your current Meridian Title Company prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to re-enroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty). August 1, 2025 Meridian Title Company Human Resources 1334 E. Republic Road Springfield, MO 65804 417-886-4400
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
33
Notice of HIPAA Privacy Practices
3.
THIS NOTICE OF PRIVACY PRACTICES DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
provide you with a copy of this Notice of our legal duties and privacy practices with respect to your PHI; and
4.
follow the terms of the Notice that is currently in effect.
We reserve the right to change the terms of this Notice and to make new provisions regarding your PHI that we maintain, as allowed or required by law. If we make any material change to this Notice, we will provide you with a copy of our revised Notice of Privacy Practices.
This Notice of Privacy Practices (the “Notice”) describes the legal obligations of Meridian Title Company’s Group Health Plan (the “Plan”) and your legal rights regarding your protected health information held by the Plan under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the Health Information Technology for Economic and Clinical Health Act (HITECH Act). Among other things, this Notice describes how your protected health information may be used or disclosed to carry out treatment, payment, or health care operations, or for any other purposes that are permitted or required by law.
IV. How We May Use and Disclose Your PHI Under the law, we may use or disclose your PHI under certain circumstances without your permission. The following categories describe the different ways that we may use and disclose your PHI. For each category of uses or disclosures we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. Note that we will use and disclose PHI as described below unless otherwise prohibited or restricted by applicable state or other law, and that information can lose its protected status as PHI once re-disclosed by a recipient.
We are required to provide this Notice of Privacy Practices to you pursuant to HIPAA. The HIPAA Privacy Rule protects only certain medical information known as “protected health information.” Generally, protected health information (PHI) is health information, including demographic information, collected from you or created or received by a health care provider, a health care clearinghouse, a health plan, or your employer on behalf of a group health plan, from which it is possible to individually identify you and that relates to: 1.
Your past, present, or future physical or mental health or condition;
2.
The provision of health care to you; or
3.
The past, present, or future payment for the provision of health care to you.
For Treatment. When and as appropriate, we may use or disclose medical information about you to facilitate medical treatment or services by health care providers. We may disclose medical information about you to providers, including doctors, nurses, technicians, medical students, or other hospital personnel who are involved in taking care of you. For example, we might disclose information about you with physicians who are treating you. For Payment. We may use or disclose your protected health information to determine your eligibility for Plan benefits, to facilitate payment for the treatment and services you receive from health care providers, to determine benefit responsibility under the Plan, or to coordinate Plan coverage. For example, we may tell your health care provider about your medical history to determine whether a particular treatment is experimental, investigational, or medically necessary, or to determine whether the Plan will cover the treatment. We may also share your protected health information with a utilization review or pre-certification service provider. Likewise, we may share your protected health information with another entity to assist with the adjudication or subrogation of health claims or to another health plan to coordinate benefit payments.
I. Contact Information If you have any questions about this Notice or about our privacy practices, and for any correspondence or requests related to the contents of this Notice, please contact: Meridian Title Company Human Resources 1334 E. Republic Road Springfield, MO 65804 417-886-4400 II. Effective Date This Notice is effective February 15, 2026. III. Our Responsibilities We are required by law to: 1.
maintain the privacy of your PHI;
2.
provide you with certain rights with respect to your PHI;
34
For Health Care Operations. We may use and disclose your protected health information for other Plan operations. These uses and disclosures are necessary to run the Plan. For example, we may use medical information in connection with conducting quality assessment and improvement activities; underwriting, premium rating, and other activities relating to Plan coverage; submitting claims for stop-loss (or excess-loss) coverage; conducting or arranging for medical review, legal services, audit services, and fraud and abuse detection programs; business planning and development such as cost management; and business management and general Plan administrative activities. However, we will not use your genetic information for underwriting purposes.
Treatment Alternatives or Health-Related Benefits and Services. We may use and disclose your protected health information to send you information about treatment alternatives or other health-related benefits and services that might be of interest to you. As Required by Law. We will disclose your PHI when required to do so by federal, state, or local law. For example, we may disclose your PHI when required by national security laws or public health disclosure laws. To Avert a Serious Threat to Health or Safety. We may use and disclose your PHI when necessary to prevent a serious threat to your health and safety, or the health and safety of the public or another person. Any disclosure, however, would only be to someone able to help prevent the threat. For example, we may disclose your PHI in a proceeding regarding the licensure of a physician.
Substance Use Disorder (SUD) Treatment Information. Some of your health information may be part of a SUD patient record and subject to additional protections under federal law (42 CFR Part 2) governing confidentiality of SUD patient records.
To Plan Sponsors. For the purpose of administering the plan, we may disclose PHI to certain employees of the Employer. However, those employees will only use or disclose that information as necessary to perform plan administration functions or as otherwise required by HIPAA, unless you have authorized further disclosures. Your PHI cannot be used for employment purposes without your specific authorization.
If we receive or maintain any information about you from a SUD treatment program that is covered by 42 CFR Part 2 (a “Part 2 Program”) through a general consent you provide to the Part 2 Program to use and disclose the SUD patient record for purposes of treatment, payment or health care operations, we may use and disclose your SUD patient record for treatment, payment and health care operations purposes as described in this Notice. If we receive or maintain your SUD patient record through specific consent you provide to us or another third party, we will use and disclose your SUD patient record only as expressly permitted by you in your consent as provided to us. In no event will we use or disclose your SUD patient record, or testimony that describes the information contained in your SUD patient record, in any civil, criminal, administrative, or legislative proceedings by any Federal, State, or local authority, against you, unless authorized by your consent or the order of a court after it provides you notice of the court order.
V. Special Situations In addition to the above, the following categories describe other possible ways that we may use and disclose your PHI without your specific authorization. For each category of uses or disclosures, we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories. Organ and Tissue Donation. If you are an organ donor, we may release your PHI after your death to organizations that handle organ procurement or organ, eye, or tissue transplantation or to an organ donation bank, as necessary to facilitate organ or tissue donation and transplantation.
To Business Associates. We may contract with individuals or entities known as Business Associates to perform various functions on our behalf or to provide certain types of services. In order to perform these functions or to provide these services, Business Associates will receive, create, maintain, transmit, use, and/or disclose your PHI, but only after they agree in writing with us to implement appropriate safeguards regarding your PHI. For example, we may disclose your PHI to a Business Associate to process your claims for Plan benefits or to provide support services, such as utilization management, pharmacy benefit management, or subrogation, but only after the Business Associate enters into a Business Associate contract with us.
Military. If you are a member of the armed forces, we may release your PHI as required by military command authorities. We may also release PHI about foreign military personnel to the appropriate foreign military authority. Workers’ Compensation. We may release your PHI for workers’ compensation or similar programs, but only as authorized by, and to the extent necessary to comply with, laws relating to workers’ compensation and similar programs that provide benefits for work-related injuries or illness.
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Public Health Risks. We may disclose your PHI for public health activities. These activities generally include the following: 1.
to prevent or control disease, injury, or disability;
2.
to report births and deaths;
3.
to report child abuse or neglect;
4.
to report reactions to medications or problems with products;
Coroners, Medical Examiners, and Funeral Directors. We may release PHI to a coroner or medical examiner. This may be necessary, for example, to identify a deceased person or determine the cause of death. We may also release medical information about patients to funeral directors, as necessary to carry out their duties. National Security and Intelligence Activities. We may release your PHI to authorized federal officials for intelligence, counterintelligence, and other national security activities authorized by law.
5. to notify people of recalls of products they may be using;
Inmates. If you are an inmate of a correctional institution or are in the custody of a law-enforcement official, we may disclose your PHI to the correctional institution or law-enforcement official if necessary (1) for the institution to provide you with health care; (2) to protect your health and safety or the health and safety of others; or (3) for the safety and security of the correctional institution.
6. to notify a person who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition; 7.
to notify the appropriate government authority if we believe that a patient has been the victim of abuse, neglect, or domestic violence. We will only make this disclosure if you agree, or when required or authorized by law.
Research. We may disclose your PHI to researchers when:
Health Oversight Activities. We may disclose your PHI to a health oversight agency for activities authorized by law. These oversight activities include, for example, audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws.
2.
to identify or locate a suspect, fugitive, material witness, or missing person;
3.
about the victim of a crime if, under certain limited circumstances, we are unable to obtain the victim’s agreement;
4.
2.
When an institutional review board or privacy board has reviewed the research proposal and established protocols to ensure the privacy of the requested information and approves the research.
The following is a description of disclosures of your PHI we are required to make. Government Audits. We are required to disclose your PHI to the Secretary of the United States Department of Health and Human Services when the Secretary is investigating or determining our compliance with the HIPAA privacy rule. Disclosures to You. When you request, we are required to disclose to you the portion of your PHI that contains medical records, billing records, and any other records used to make decisions regarding your health care benefits. We are also required, when requested, to provide you with an accounting of most disclosures of your PHI if the disclosure was for reasons other than for payment, treatment, or health care operations, and if the PHI was not disclosed pursuant to your individual authorization.
Law Enforcement. We may disclose your PHI if asked to do so by a law-enforcement official. in response to a court order, subpoena, warrant, summons, or similar process;
The individual identifiers have been removed; or
VI. Required Disclosures
Lawsuits and Disputes. If you are involved in a lawsuit or a dispute, we may disclose your PHI in response to a court or administrative order. We may also disclose your PHI in response to a subpoena, discovery request, or other lawful process by someone involved in a legal dispute, but only if efforts have been made to tell you about the request or to obtain a court or administrative order protecting the information requested.
1.
1.
VII. Other Disclosures Personal Representatives. We will disclose your PHI to individuals authorized by you, or to an individual designated as your personal representative, attorney-infact, etc., so long as you provide us with a written notice/ authorization and any supporting documents (i.e., power of attorney). Note: Under the HIPAA privacy rule, we do not have to disclose information to a personal representative if we have a reasonable belief that:
about a death that we believe may be the result of criminal conduct; and
5. about criminal conduct.
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1.
You have been, or may be, subject to domestic violence, abuse, or neglect by such person; or
2.
Treating such person as your personal representative could endanger you; and
3.
In the exercise of professional judgment, it is not in your best interest to treat the person as your personal representative.
To inspect and copy your PHI, you must submit your request in writing. If you request a copy of the information, we may charge a reasonable fee for the costs of copying, mailing, or other supplies associated with your request. We may deny your request to inspect and copy in certain very limited circumstances. If you are denied access to your medical information, you may request that the denial be reviewed by submitting a written request.
Spouses and Other Family Members. With only limited exceptions, we will send all mail to the employee. This includes mail relating to the employee’s spouse and other family members who are covered under the Plan and includes mail with information on the use of Plan benefits by the employee’s spouse and other family members and information on the denial of any Plan benefits to the employee’s spouse and other family members. If a person covered under the Plan has requested Restrictions or Confidential Communications (see below under “Your Rights”), and if we have agreed to the request, we will send mail as provided by the request for Restrictions or Confidential Communications.
Right to Amend. If you feel that the PHI we have about you is incorrect or incomplete, you may ask us to amend the information. You have the right to request an amendment for as long as the information is kept by or for the Plan. To request an amendment, your request must be made in writing. In addition, you must provide a reason that supports your request. We may deny your request for an amendment if it is not in writing or does not include a reason to support the request. In addition, we may deny your request if you ask us to amend information that:
Authorizations. Other uses or disclosures of your PHI not described above will only be made with your written authorization. For example, in general and subject to specific conditions, we will not use or disclose your psychiatric notes; we will not use or disclose your PHI for marketing; and we will not sell your PHI, unless you give us a written authorization. You may revoke written authorizations at any time, so long as the revocation is in writing. Once we receive your written revocation, it will only be effective for future uses and disclosures. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation.
1.
is not part of the medical information kept by or for the Plan;
2.
was not created by us, unless the person or entity that created the information is no longer available to make the amendment;
3.
is not part of the information that you would be permitted to inspect and copy; or
4.
is already accurate and complete.
If we deny your request, you have the right to file a statement of disagreement with us and any future disclosures of the disputed information will include your statement.
VIII. Your Rights
Right to an Accounting of Disclosures. You have the right to request an “accounting” of certain disclosures of your PHI. The accounting will not include (1) disclosures for purposes of treatment, payment, or health care operations; (2) disclosures made to you; (3) disclosures made pursuant to your authorization; (4) disclosures made to friends or family in your presence or because of an emergency; (5) disclosures for national security purposes; and (6) disclosures incidental to otherwise permissible disclosures.
You have the following rights with respect to your PHI: Right to Inspect and Copy. You have the right to inspect and copy certain PHI that may be used to make decisions about your Plan benefits. If the information you request is maintained electronically, and you request an electronic copy, we will provide a copy in the electronic form and format you request, if the information can be readily produced in that form and format; if the information cannot be readily produced in that form and format, we will work with you to come to an agreement on form and format. If we cannot agree on an electronic form and format, we will provide you with a paper copy.
To request this list or accounting of disclosures, you must submit your request in writing. Your request must state the time period you want the accounting to cover, which may not be longer than six years before the date of the request.
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Your request should indicate in what form you want the list (for example, paper or electronic). The first list you request within a 12-month period will be provided free of charge. For additional lists, we may charge you for the costs of providing the list. We will notify you of the cost involved and you may choose to withdraw or modify your request at that time before any costs are incurred.
IX. Complaints
Right to Request Restrictions. You have the right to request a restriction or limitation on your PHI that we use or disclose for treatment, payment, or health care operations. You also have the right to request a limit on your PHI that we disclose to someone who is involved in your care or the payment for your care, such as a family member or friend. For example, you could ask that we not use or disclose information about a surgery that you had.
You will not be penalized, or in any other way retaliated against, for filing a complaint with the Office for Civil Rights or with us.
If you believe that your privacy rights have been violated, you may file a complaint with the Plan or with the Office for Civil Rights of the United States Department of Health and Human Services. To file a complaint with the Plan, contact the person listed in the Contact Information section of this Notice. All complaints must be submitted in writing.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare. gov.
Except as provided in the next paragraph, we are not required to agree to your request. However, if we do agree to the request, we will honor the restriction until you revoke it or we notify you. We will comply with any restriction request if (1) except as otherwise required by law, the disclosure is to a health plan for purposes of carrying out payment or health care operations (and is not for purposes of carrying out treatment); and (2) the PHI pertains solely to a health care item or service for which the health care provider involved has been paid in full by you or another person.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
To request restrictions, you must make your request in writing. In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure, or both; and (3) to whom you want the limits to apply-for example, disclosures to your spouse.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employersponsored plan.
Right to Request Confidential Communications. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location. For example, you can ask that we only contact you at work or by mail.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).
To request confidential communications, you must make your request in writing. We will not ask you the reason for your request. Your request must specify how or where you wish to be contacted. We will accommodate all reasonable requests. Right to Be Notified of a Breach. You have the right to be notified in the event that we (or a Business Associate) discover a breach of unsecured PHI. Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy of this notice.
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If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 31, 2026. Contact your State for more information on eligibility.
Kansas – Medicaid Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884 HIPP Phone: 1-800-967-4660
Kentucky – Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/ kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: https://kynect.ky.gov Phone: 1-877-524-4718 Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms
Alabama – Medicaid Website: http://www.myalhipp.com/ Phone: 1-855-692-5447
Alaska – Medicaid The AK Health Insurance Premium Payment Program Website: http:// myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/default.aspx
Louisiana – Medicaid Louisiana Medicaid Website: https://www.ldh.la.gov/healthy-louisiana Medicaid Customer Service Line: 1-888-342-6207 Louisiana Medicaid email: healthy@la.gov Louisiana Health Insurance Premium Program (LaHIPP) Website: https://www.ldh.la.gov/lahipp LaHIPP phone: 1-877-697-6703 LaHIPP email: La.HIPP@la.gov LaHIPP fax: 1-888-716-9787 LaHIPP mailing address: 100 Crescent Centre Parkway, Suite 1000 Tucker, GA 30084
Arkansas – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)
California– Medicaid Health Insurance Premium Payment (HIPP) Program Website: http:// dhcs.ca.gov/hipp Phone: 916-445-8322 Fax: 916-440-5676 Email: hipp@dhcs.ca.gov
Maine – Medicaid Enrollment Website: https://www.mymaineconnection.gov/benefits/ s/?language=en_US Phone: 1-800-442-6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage: https://www.maine.gov/ dhhs/ofi/applications-forms Phone: 1-800-977-6740 TTY: Maine Relay 711
Colorado – Health First Colorado (Colorado’s Medicaid Program) and Child Health Plan Plus (CHP+) Health First Colorado website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711 CHP+: https://hcpf.colorado.gov/child-health-plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711 Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/ HIBI Customer Service: 1-855-692-6442
Massachusetts – Medicaid and CHIP Website: https://www.mass.gov/masshealth/pa Phone: 1-800-862-4840 TTY: 711 Email: masspremassistance@accenture.com
Florida – Medicaid Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268
Minnesota – Medicaid Website: https://mn.gov/dhs/health-care-coverage/ Phone: 1-800-657-3672
Georgia – Medicaid GA HIPP Website: https://medicaid.georgia.gov/health-insurancepremium-payment-program-hipp Phone: 678-564-1162, Press 1 GA CHIPRA Website: https://medicaid.georgia.gov/programs/thirdparty-liability/childrens-health-insurance-program-reauthorization-act2009-chipra Phone: 678-564-1162, Press 2
Missouri – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005
Montana – Medicaid Website: https://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084 Email: HHSHIPPProgram@mt.gov
Indiana – Medicaid Health Insurance Premium Payment Program All other Medicaid Website: https://www.in.gov/medicaid/ http://www.in.gov/fssa/dfr/ Family and Social Services Administration Phone: 1-800-403-0864 Member Services Phone: 1-800-457-4584
Nebraska – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178
Nevada – Medicaid
Iowa – Medicaid and CHIP (Hawki)
Medicaid Website: http://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900
Medicaid Website: https://hhs.iowa.gov/programs/welcome-iowamedicaid Medicaid Phone: 1-800-338-8366 Hawki Website: https://hhs.iowa.gov/programs/welcome-iowamedicaid/iowa-health-link/hawki Hawki Phone: 1-800-257-8563 HIPP Website: https://hhs.iowa.gov/programs/welcome-iowa-medicaid/ fee-service/hipp HIPP Phone: 1-888-346-9562
New Hampshire – Medicaid Website: https://www.dhhs.nh.gov/programs-services/medicaid/ health-insurance-premium-program Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext. 15218 Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov
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New Jersey – Medicaid and CHIP
Washington – Medicaid
Medicaid Website: http://www.state.nj.us/humanservices/dmahs/ clients/medicaid/ Phone: 1-800-356-1561 CHIP Premium Assistance Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 (TTY: 711)
Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022
West Virginia – Medicaid and CHIP Website: https://dhhr.wv.gov/bms/ http://mywvhipp.com/ Medicaid Phone: 304-558-1700 CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699- 8447)
New York – Medicaid Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
Wisconsin – Medicaid and CHIP Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002
North Carolina – Medicaid Website: https://medicaid.ncdhhs.gov Phone: 919-855-4100
Wyoming – Medicaid Website: https://health.wyo.gov/healthcarefin/medicaid/programs-andeligibility/ Phone: 1-800-251-1269
North Dakota – Medicaid Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825
Oklahoma – Medicaid and CHIP
To see if any other States have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, can contact either:
Website: http://www.insureoklahoma.org Phone: 1-888-365-3742
Oregon – Medicaid Website: https://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075
U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272) U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565
Pennsylvania – Medicaid and CHIP Website: https://www.pa.gov/en/services/dhs/apply-for-medicaidhealth-insurance-premium-payment-program-hipp.html Phone: 1-800-692-7462 CHIP Website: https://www.dhs.pa.gov/chip/pages/chip.aspx CHIP Phone: 1-800-986-KIDS (5437)
Rhode Island – Medicaid and CHIP Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347 or 401-462-0311 (Direct RIte Share Line)
Continuation of Coverage Rights Under COBRA
South Carolina – Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Meridian Title Company group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Meridian Title Company plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium.
South Dakota - Medicaid Website: https://dss.sd.gov Phone: 1-888-828-0059
Texas – Medicaid Website: https://www.hhs.texas.gov/services/financial/healthinsurance-premium-payment-hipp-program Phone: 1-800-440-0493
Utah – Medicaid and CHIP Utah’s Premium Partnership for Health Insurance (UPP) Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov Phone: 1-888-222-2542 Adult Expansion Website: https://medicaid.utah.gov/expansion/ Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/ buyout-program/ CHIP Website: https://chip.utah.gov/
Plan Contact Information Meridian Title Company Human Resources 1334 E. Republic Road Springfield, MO 65804 417-886-4400
Vermont– Medicaid Website: https://dvha.vermont.gov/members/medicaid/hipp-program Phone: 1-800-250-8427
Virginia – Medicaid and CHIP Website: https://coverva.dmas.virginia.gov/learn/premium-assistance/ famis-select https://coverva.dmas.virginia.gov/learn/premium-assistance/healthinsurance-premium-payment-hipp-programs Medicaid/CHIP Phone: 1-800-432-5924
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• Certain services at an in-network hospital or
Your Rights and Protections Against Surprise Medical Bills
ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.
When you get emergency care or get treated by an out-ofnetwork provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. What is “balance billing” (sometimes called “surprise billing”)? When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
If you get other services at these in-network facilities, outof-network providers cannot balance bill you, unless you give written consent and give up your protections. You are never required to give up your protections from balance billing. You also are not required to get care outof-network. You can choose a provider or facility in your plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-ofnetwork providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
When balance billing is not allowed, you also have the following protections:
• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-ofnetwork providers and facilities directly.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
• Your health plan generally must: »
Cover emergency services without requiring you to get approval for services in advance (prior authorization).
»
Cover emergency services by out-of-network providers.
»
Base what you owe the provider or facility (costsharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
»
Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
You are protected from balance billing for:
• Emergency services – If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network costsharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/ nosurprises for more information about your rights under federal law.
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New Health Insurance Marketplace Coverage Options and Your Health Coverage
Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employmentbased coverage. Also, this employer contribution -as well as your employee contribution to employmentbased coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.
PART A: General Information Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options in your geographic area.
When Can I Enroll in Health Insurance Coverage through the Marketplace?
Can I Save Money on my Health Insurance Premiums in the Marketplace?
You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.
You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings on your premium that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.
Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.
Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.1, 2
There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage. Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to
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PART B: Information About Health Coverage Offered by Your Employer
a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit www.HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325.
This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.
What about Alternatives to Marketplace Health Insurance Coverage? If you or your family are eligible for coverage in an employment-based health plan (such as an employersponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan.
3. Employer Name: Meridian Title Company
4. Employer Identification Number (EIN): 83-1085200
5. Employer Address: 1334 E Republic Road
6. Employer Phone Number: 417-886-4400
7. City: Springfield
8. State: MO
9. ZIP Code: 65804
10. Who can we contact at this job?: Emily Burcham 11. Phone Number (if different from above):
12. E-Mail Address: eburcham@mtc.llc
As your employer, we offer a health plan to all eligible employees (see the Eligibility section of this guide). This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages. 1
Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.
An employer-sponsored or other employment-based health plan meets the “minimum value standard” if the plan’s share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services. 2
Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/ medicaid-chip/getting-medicaid-chip/ for more details. How Can I Get More Information? For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Human Resources. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare. gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.
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This brochure highlights the main features of the Meridian Title Company employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Meridian Title Company reserves the right to change or discontinue its employee benefits plans at anytime.