Get a Head Start on Your Benefits
We are pleased to offer a full benefits package to help protect your well-being and financial health. Read this guide to learn about the benefits available to you and your eligible dependents starting April 1, 2026.
Each year during Open Enrollment (OE), you may make changes to your benefit plans. The benefit choices you make this year will remain in effect through March 31, 2027. Take time to review these benefit options and select the plans that best meet your needs. After OE, you may only make changes to your benefit elections if you have a Qualifying Life Event (QLE).
Availability of Summary Health Information
Your benefits program offers two medical plan coverage options. To help you make an informed choice and compare your options, a Summary of Benefits and Coverage (SBC) for each plan is available at www.benefitsinhand.com or by contacting the Benefit Helpline.
Eligibility
You are eligible for benefits if you are a regular, full-time employee working an average of 30 hours per week. Your coverage is effective the first of the month following 60 days of full-time employment . You may also enroll eligible dependents for benefits coverage. The cost for coverage depends on the number of dependents you enroll and the benefits you choose. When covering dependents, you must select and be on the same plans.
Eligible Dependents Include
Your legal spouse
Children under the age of 26 regardless of student, dependency, or marital status
Children over the age of 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
Qualifying Life Events
Once you elect your benefit options, they remain in effect for the entire plan year until the following OE. You may only change coverage during the plan year if you have a QLE, some of which include:
Marriage, divorce, or annulment
Birth, adoption, or placement for adoption of an eligible child
Death of your spouse or child
Change in your spouse’s employment status that affects benefits eligibility
Change in your child’s eligibility for benefits
Significant change in benefit plan coverage for you, your spouse, or your child
FMLA event, COBRA event, judgment, or decree
Becoming eligible for Medicare, Medicaid, or TRICARE
Receiving a Qualified Medical Child Support Order
Don’t Forget!
If you have a QLE and want to change your elections, you must notify Human Resources and complete your changes within 30 days of the event. You may be asked to provide documentation to support the change. Contact Human Resources for details.
how to Enroll Online
To begin the enrollment process, go to www.benefitsinhand.com .
First-time users: Follow steps 1-4.
Returning users: Log in and start at step 5.
1
2
3
4
5
First-time users: Click on the NewUserRegistration link. Once you register, you will enter your username and password to log in.
Enter your personal information and company identifier, which is NINOSINC, and click Next
Create a username (work email address recommended) and password. Then check the Iagreetotermsandconditions box before you click Finish.
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.
Returning users: Click the Start Enrollment button to begin the enrollment process.
6 Confirm or update your personal information, and click Save & Continue
7
8
9
Edit dependents or add dependents who need to be covered on your benefits. Once all dependents are listed, click Save & Continue
Follow the steps on the screen for each benefit to make your selection. Please notice there is an option to decline coverage. If you wish to decline, click the Don’t want this benefit? button, and select the reason for declining.
Once you have elected or declined all benefits, you will see a summary of your selections. Click the ClicktoSign button. Your enrollment will not be complete until you click the ClicktoSign button.
Have questions about your benefits or need help enrolling?
Call or text the Benefit Helpline at 866-546-6466 (NINO). Bilingual representatives are available to take your call or text Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. You can also email your questions or requests to neighborsinneed@higginbotham.net
Medical Coverage
The medical plan options through UnitedHealthcare (UHC) protect you and your family from major financial hardship in the event of illness or injury. You have a choice of two plans.
Health Maintenance Organization
With a Health Maintenance Organization (HMO) plan, you must seek care from in-network providers in the UHC Navigate Network. The selection of a primary care provider is required, and you need a referral to see a specialist. Always confirm that your doctors and specialists are within the UHC Navigate Network before seeking care.
Exclusive Provider Organization
With an Exclusive Provider Organization (EPO) plan, you must see only in-network providers for your care. With the exception of a true emergency, benefits are only payable if you go to in-network providers or facilities for care. If you go to an out-of-network provider or facility, you will be responsible for all costs. You do not have to select a primary care provider or get a referral to see a specialist. Always confirm that your doctors and specialists are within the UHC Choice Network before seeking care.
Benefit Helpline
Employee benefits can be complicated. The Benefit Helpline can assist you with the following:
Enrollment
Benefit information
Claims and billing questions
Eligibility issues
Call or text the Benefit Helpline at 866-546-6466 (NINO). English and Spanish speaking representatives are available to take your call or text Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. You can also email your questions or requests to neighborsinneed@higginbotham.net
Medical and Pharmacy Benefits Summary
1 Through UHC 24/7 Virtual Visits, your in-network cost is usually $0. The designated Virtual Visits provider’s reduced rate for a virtual visit is subject to change at anytime.
Virtual Visits
Virtual care through UHC 24/7 Virtual Visits makes it easy for you to get the treatment you need, when you need it - at no cost to you. This service is a convenient alternative if it is difficult for you to leave home or work for an in-person office visit or if care is needed after regular office hours. Board-certified doctors are available 24/7 for non-emergency care by phone, online video, or mobile app.
UHC 24/7 Virtual Visits doctors can treat a variety of conditions and can write prescriptions, if needed. Common health conditions include:
Allergies
Cold/flu
Fever
Headaches
Nausea
Sinus infections
Avoid crowded waiting rooms, expensive urgent care or emergency room bills, or waiting for weeks to see your doctor. With UHC 24/7 Virtual Visits, you can talk to or see a doctor in minutes. Note: Always go to the emergency room in life-threatening situations.
Virtual visits with licensed behavioral health therapists are also available by appointment for:
Anxiety
Depression
Stress management
And more
Health Care Options
Becoming familiar with your options for medical care can save you time and money.
Non-Emergency Care
Telemedicine
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed.
24 hours a day, 7 days a week
Doctor’s Office
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history.
Office hours vary Infections
Retail Clinic
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores, and pharmacies.
Hours vary based on store hours
Urgent Care
When you need immediate attention; walk-in basis is usually accepted.
Generally includes evening, weekend, and holiday hours
Emergency Care
Hospital ER
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility.
24 hours a day, 7 days a week
Freestanding ER
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher.
24 hours a day, 7 days a week
Sore and strep throat
infections
Sprains and strains
Minor broken bones
cuts that may require stitches
and infections
Chest pain
Difficulty breathing Severe bleeding
Blurred or sudden loss of vision
broken bones
Most major injuries except trauma Severe pain
Varies
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.
UHC Member Website and App
Member Website
Visit your online hub – www.myuhc.com – for plan details and more, including:
Find and price care
See what is covered
View claim details
Check your plan balances
Find in-network doctors
UHC App
Use the UnitedHealthcare app for on-the-go-access to:
Find nearby care options in your network
See your claim details
View and share your health plan ID card
Video chat with a doctor 24/7
Scan the QR code to download the app.
Get Answers to Your Health Care Questions
Navigating health care is easier with the UHC Customer Service team on your side. The team can help you:
Improve your health, manage chronic conditions, and understand complex medical issues
Understand how your health plan coverages and benefits work
Get details on a recent claim or how much you can expect to pay
Find an in-network provider, get a new ID card, or save on health care costs
Call Customer Service at 877-359-3714
UHC Wellness Resources
The following programs and services are available to you at no additional charge as a UHC member.
UHC Rewards
Earn up to $300 with UHC Rewards for a variety of activities, including tracking your steps or sleep.
Get a biometric screening: $50
Get an annual checkup: $25
for UHC Rewards
Connect a tracker: $25 Take a health survey: $15
Get an Apple Watch with UHC Rewards
You can use your rewards – up to $300 – towards an Apple watch. You can also choose the “Earn It Off” payment option, which has a $0 up-front cost. The remaining costs can be paid off as you earn your rewards points over 12 months.
One Pass Select
One Pass Select offers a low-cost nationwide gym membership – including digital fitness. Get access to gyms, studios, online workouts, and even grocery delivery with one monthly membership.
There are no long-term contracts or annual gym registration fees.
You can change your subscription or add family members (ages 18+) anytime.
Find a Gym Near You
Go to www.onepassselect.com to find a gym near you.
Gym partners include Anytime Fitness, Crunch, LA Fitness, Life Time, Orangetheory, and CrossFit.
your UHC Rewards dollars towards your One Pass Select subscription.
UHC Wellness Resources
Your health plan covers screenings and services with no out-of-pocket costs when you visit a doctor in your plan’s provider network – even if you have not met your deductible. Some examples of preventive care services covered by your plan include general wellness exams each year, assessments and counseling, and screenings for diabetes, cancer, and depression. Preventive services are provided for women, men, and children of all ages.
$0 Primary Care Physician Copays for Kids
With the $0 primary care physician (PCP) Copays for Kids program, you can maintain or improve your child’s health and lower your overall out-of-pocket medical costs. By seeing a PCP, your child should be as healthy as possible, with less need for emergency room or specialty care visits.
Real Appeal – Weight Loss Program
Real Appeal is a free online weight loss program that provides personal coaching to help you and eligible family members lose weight and keep it off. On average, participants lose 10 pounds after attending just four online sessions.
One-on-one Coaching
Get help staying on track to reach your goals with online, coach-led group sessions.
$0 Out-of-pocket
Real Appeal is offered at no additional cost as part of your health plan benefits.
Success Kit
Get scales, recipes, fitness equipment, and more delivered to your door.
Learn more and start today at www.realappeal.com
Quit For Life –Smoking Cessation Program
Quit For Life offers coaching and support to quit tobacco at no additional cost . Each coach-guided step of the program is designed to give you the confidence you need to quit for good as you progress.
Nicotine replacement therapy with patches or gum that can help you manage cravings and double your chance of quitting for good
24/7 access to coaches, tools, and support to help you quit smoking, chewing, vaping, or however you use tobacco or nicotine
Real-life tips and coach support to build your personalized Quit Plan, with recommended daily goals, articles, and videos
One-on-one access to coaches via phone, chat, or text plus coach-led group video sessions so you’ll get guidance at every step
A mobile app and access to Text A Coach for resources, encouragement, and reminders
To get started, go to https://quitnow.net
Wellness Program
With Wellos, you get a personalized wellness program that supports you at your own pace. Get suggestions based on your real-life data so you can track your own progress, online coaches who come to you to help you build sustainable habits, and ongoing challenges to keep you motivated.
Visit www.wellos.com/member.
Download the Wellos app.
UHC Mental Health Resources
If you are enrolled in a UHC medical plan, you have behavioral health resources to help support your mental and emotional well-being.
Behavioral Health Providers
Connect virtually or in-person with a licensed therapist, counselor, psychologist or psychiatrist for ongoing support to help with:
Bipolar and neuro-development disorders
Compulsive habits and eating disorders
Substance abuse
Medication management
Visit www.myuhc.com/mh-recommendations to find support, or call the number on your medical ID card.
Employee Assistance Program
The UHC Employee Assistance Program (EAP) offers up to three (3) provider visits for $0 by phone and in-person counseling sessions for short-term support and advice on issues like:
Stress, anxiety, and depression
Various personal challenges
Work-life balance
Legal and financial support
Call 888-887-4114 for 24/7 in-the-moment phone support or to schedule in-person counseling with a master’s-level EAP specialist.
Telemedicine for Mental Health
Schedule a private one-on-one video session with a licensed therapist. You can see the same therapist with each appointment and establish an ongoing relationship. Virtual therapy is designed to help treat conditions like:
ADD/ADHD
Addiction
Anxiety Depression Mental health disorders
Sign in or register at www.myuhc.com . Then, go to Find Care & Costs > Virtual Care > Behavioral Health Care > Get Started
Calm Health App
The Calm Health app is designed to support your mental health and well-being at your own pace. The app starts with a short mental health screening so it can suggest a tailored program of content and tools created by psychologists to help you meditate, improve focus, move mindfully, and feel calm. You can set your own pace and track your progress along the way.
Download the Calm Health app to get started. You first need to sign into your account at www.myuhc.com or on the UnitedHealthcare app
Dental Coverage
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 UHC
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.
Dental Benefits Summary
1 Payment for covered services received from an out-of-network dentist is based on the 90th percentile of Usual, Customary, and Reasonable (UCR) charges.
Refer to the UnitedHealthcare Patient Charge schedule for details.
Vision Coverage
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 in-network providers. Coverage is provided through UHC utilizing the UnitedHealthcare Vision Network
Vision Benefits Summary
Lenses (In lieu of eyeglasses) : Fitting and evaluation : Elective
Additional discounts are available. Please see full plan summary for details.
Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance through Mutual of Omaha 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 to 65% at age 65, and to 50% at age 70.
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $20,000 for each benefit.
Voluntary Life and AD&D
You may buy more Life and AD&D insurance for you and your eligible dependents. 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 you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.
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 anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
Conversion – Portability – Waiver of Premium
Upon termination of employment, you have the option to continue your company-paid Life and AD&D insurance and pay premiums directly to Mutual of Omaha. Your company-paid Life and AD&D insurance may be converted to an individual policy. Portability is available for Life coverage if you are enrolled in additional Life coverage. Portability is not available for AD&D. If you are disabled at the time your employment is terminated, you may be eligible for a Waiver of Premium while you are disabled. Contact Human Resources for a Conversion, Portability, or Waiver of Premium application.
Disability Insurance
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We offer two different Short Term Disability (STD) plans for you to purchase through Aflac.
Short 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 under workers’ compensation, not STD.
Short Term Disability Plan A
1 Benefits may not be paid for any condition treated within 12 months prior to your effective date until you have been covered under this plan for 12 months.
To calculate your per pay period premium, log in to www.benefitsinhand.com
Short Term Disability
Supplemental Benefits
You and your eligible family members have the opportunity to enroll in additional coverage that complements our traditional health care programs. 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. These are voluntary plans and are portable.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan, offered through Unum, helps offset the direct and indirect expenses resulting from an accident such as copayments, deductibles, ambulance, physical therapy, and other costs not covered by traditional health plans.
Hospital Indemnity Insurance
Hospital Indemnity insurance helps you with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance, which pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment that you receive. These costs may include meals and transportation, childcare, or time away from work due to a medical issue that requires hospitalization. Coverage is through Unum
Hospital Indemnity Insurance
up to 15
Dislocations, ruptured discs, eye injuries, fractures, lacerations, concussions, etc.
1 Percentage of benefit paid for dismemberment is dependent on type of loss.
This is a partial list of covered benefits. Refer to plan documents in BenefitsInHand for full coverage information.
Critical Illness Insurance
Critical Illness insurance, offered through Mutual of Omaha, 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.
$10,000 or $20,000
$10,000 or $20,000 not to exceed 100% of employee election
not to exceed 50% of employee election
Benign brain tumor or spinal cord tumor, bone marrow/stem cell recipient, invasive cancer, heart attack, sudden cardiac arrest, Alzheimer’s disease, amyotrophic lateral sclerosis (ALS), dementia, multiple sclerosis, Parkinson’s disease, stroke, major organ failure, end-stage renal failure
Transient ischemic attack (TIA), coronary artery disease, acute respiratory distress syndrome, carcinoma in situ, inflammatory bowel disease
1 Employee/member and spouse premiums are calculated with the employee/ member’s age as of the effective date of the plan. Child insurance can be included without a separate premium.
To calculate your per pay period premium, log in to www.benefitsinhand.com
Cancer Insurance
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. In addition to these non-medical expenses, you are responsible for paying your health plan deductibles and/or coinsurance. Cancer insurance, offered through Colonial Life, helps pay for these direct and indirect treatment costs so you can focus on your health.
Anesthesia : General : Local
Anti-nausea medication
Maximum benefit of $100 per calendar month
Blood, plasma platelets, immunoglobulins
A transfusion required during the treatment of invasive cancer
per day, per prescription
Bone marrow or peripheral stem cell transplant Transplant you receive for the treatment of invasive cancer $3,500 per transplant (limit two per lifetime) $4,000 per transplant (limit two per lifetime) $7,000 per transplant (limit two per lifetime)
Hospital confinement
: 30 days or less : 31 days or
Radiation, chemotherapy, or immunotherapy
: Self-administered
: Physician-administered
per month
per month
: Hormonal therapy $100 per month
Pre-existing Condition Exclusion 12/122
Wellness Benefit
One per covered person per calendar year
1 This is a partial list of covered benefits. Refer to plan documents in BenefitsInHand for full coverage information.
2 Benefits will not be paid for any condition tested or treated within 12 months prior to your effective date until you have been covered under this plan for 12 months.
Employee Assistance Program
The EAP through Mutual of Omaha is a confidential program to help you find solutions for personal or workplace issues.
Benefits for you and your eligible dependents include unlimited telephone access to EAP professionals and up to three free face-to-face sessions per person per issue with a counselor. Professionals are available 24/7 to help with the following:
Stress and depression
Financial issues
Family and relationship issues
Addiction
Grief issues
Parenting and eldercare
Legal services
Financial services
Other personal concerns
For assistance, call 800-316-2796 or visit www.mutualofomaha.com/eap More resources are available on the website.
Additional Benefits
Mutual of Omaha provides the following programs and services at no cost to you.
Worldwide Travel Assistance
AXA Assistance USA 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. For inquiries within the U.S.: 800-856-9947
Outside the U.S.: 312-935-3658
Identity Theft Services
Identity Theft Assistance, provided by AXA Assistance, is an educational resource to help you understand the risks of identity theft and learn how to prevent it. If your information is compromised, a representative will give you the resources to contact. Call AXA Assistance at 800-856-9947 to learn more.
Hearing Discount
As a disability member, Mutual of Omaha offers a hearing discount program at no additional cost to you through Amplifon . This program gives you access to free hearing testing, a low-price guarantee, a 60-day risk-free trial period, and two years of batteries with purchase. To activate your benefit, call 844-267-5436. Learn more at www.amplifonusa.com/mutualofomaha .
Will Preparation
Creating a will is an important investment in your future. In just minutes, you can create a personalized will that keeps your information safe and secure. These services through Epoq offer a secure account space to prepare wills and other legal documents. Log in at www.willprepservices.com and use the code MUTUALWILLS to register.
Employee Contributions
1 Payroll deductions will take place only on the first two paychecks in April, May, September, October, November, and December of 2026; and on the first two paychecks in January, February, and March of 2027, for a total of 18 payroll deductions.
Important Notices
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.
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 mastectomy was performed;
Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
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.
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.
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).
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.
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.
For More Information or Assistance
To request special enrollment or obtain more information, contact:
Neighbors In Need of Services, Inc. Human Resources
22887 State Highway 345 Rio Hondo, Texas 78583 956-399-9944
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 Neighbors In Need of Services, Inc. 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.
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.
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.
2. Neighbors In Need of Services, Inc. has determined that the prescription drug coverage offered by the Neighbors In Need of Services, Inc. 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.
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.
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).
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 Neighbors In Need of Services, Inc. at the phone number or address listed at the end of this section.
If you choose to enroll in a Medicare prescription drug plan and cancel your current Neighbors In Need of Services, Inc. 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.
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.
For more information about this notice or your current prescription drug coverage:
Contact the Human Resources Department at 956-3999944.
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.
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:
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.
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 800-772-1213 TTY users should call 800-325-0778
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).
April 1, 2026
Neighbors In Need of Services, Inc. Human Resources 22887 State Highway 345 Rio Hondo, Texas 78583 956-399-9944
Notice of HIPAA Privacy Practices
This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan – whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by Neighbors In Need of Services, Inc., hereinafter referred to as the plan sponsor.
The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.
You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.
Complaints: If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.
Neighbors In Need of Services, Inc.
Human Resources
22887 State Highway 345
Rio Hondo, Texas 78583
956-399-9944
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
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
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.
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.
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)
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.
Texas – Medicaid
Website: https://www.hhs.texas.gov/services/financial/healthinsurance-premium-payment-hipp-program
Phone: 1-800-440-0493
To see if any other States have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, you can contact either:
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
Continuation of Coverage Rights Under COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Neighbors In Need of Services, Inc. group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Neighbors In Need of Services, Inc. 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.
Plan Contact Information
Neighbors In Need of Services, Inc. Human Resources
22887 State Highway 345 Rio Hondo, Texas 78583 956-399-9944
Your Rights and Protections Against Surprise Medical Bills
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.
“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.
“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.
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 cost-sharing 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.
Certain services at an in-network hospital or ambulatory surgical center – When you get services from an innetwork 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.
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 out-ofnetwork. You can choose a provider or facility in your plan’s network.
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 innetwork). Your health plan will pay out-of-network providers and facilities directly.
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.
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.
New Health Insurance Marketplace Coverage Options and Your Health Coverage
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.
Can I Save Money on my Health Insurance Premiums in the Marketplace?
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.
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
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.
When Can I Enroll in Health Insurance Coverage through 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.
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. 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 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.
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.
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?
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.
PART
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.
3. Employer Name: Neighbors in Need of Services, Inc.
5. Employer Address: PO Box 189
7. City: Rio Hondo
4. Employer Identification Number (EIN): 74-2574527
6. Employer Phone Number: (956) 399-9944
8. State: TX 9. ZIP Code: 78583
10. Who can we contact at this job?: Melisa Maravillas
11. Phone Number (if different from above):
12. E-Mail Address: melisa.maravillas@ninosinc.org
You are not eligible for health insurance coverage through this employer. You and your family may be able to obtain health coverage through the Marketplace, with a new kind of tax credit that lowers your monthly premiums and with assistance for out-of-pocket costs.
1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.
2 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.
This brochure highlights the main features of the Neighbors In Need of Services, Inc. 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. Neighbors In Need of Services, Inc. reserves the right to change or discontinue its employee benefits plans anytime.