Contacts
Employee Response Center
to helpline@higginbotham.net . Bilingual representatives are available.
We are pleased to offer a full benefits package to help protect your wellbeing and financial health. Read this guide to learn about the benefits available to you and your eligible dependents starting May 1, 2026.
Each year during Open Enrollment, you may make changes to your benefit plans. The benefit choices you make this year will remain in effect through April 30, 2027. Take time to review these benefit options and select the plans that best meet your needs. After Open Enrollment, you may only make changes to your benefit elections if you have a Qualifying Life Event (QLE).
Availability of Summary Health Information
Your benefit program offers two medical plan coverage options. To help you make an informed choice and compare your options, a summary of Benefits and Coverage is available for both plans online via Employee Navigator/BenefitsInHand at www.benefitsinhand.com or by scanning this QR code:
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see Important Notices for more details.
Eligibility
You are eligible for benefits if you are a regular, full-time employee working an average of at least 30 hours per week. Your coverage is effective on the first of the month following 60 days of service. 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
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 Open Enrollment. You may only change coverage during the plan year if you have a QLE, some of which include:
Marriage, divorce, legal separation, 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 leave, COBRA event, court judgment, or decree
Becoming eligible for Medicare, Medicaid, or TRICARE
Receiving a Qualified Medical Child Support Order
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.
Online Enrollment Instructions
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.
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2
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If this is your first time to log in, click on the New User Registration link. Once you register, you will use your username and password to log in.
Enter your personal information and company identifier of WestPointLinc and click Next.
Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish.
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7
8
Confirm or update your personal information and click Save & Continue
Edit 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.
4
5
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.
Click the Start Enrollment button to begin the enrollment process.
9
Once you have elected or declined all benefits, you will see a summary of your selections. Click the Click to Sign button. Your enrollment will not be complete until you click the Click to Sign button.
Have questions about your benefits or need help enrolling? Call the ERC at 866-419-3518 . Benefits experts are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.
Medical Coverage
The medical plan through Blue Cross Blue Shield of Texas (BCBSTX) protects you and your family from major financial hardship in the event of illness or injury.
You have a choice of two medical plans:
Plan A (MTBEE531) is an HMO plan using the Blue Essentials network; a primary care physician (PCP) and referral for most services are required
Plan B (MTBCB528) is a PPO plan using the Blue Choice network
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, 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 innetwork providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other services are covered at the deductible and coinsurance level.
Health Maintenance Organization
With a Health Maintenance Organization (HMO) you must seek from only in-network providers in the Blue Essentials HMO 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 innetwork before seeking care.
Find an In-Network Provider
Visit www.bcbstx.com. Call 800-521-2227.
Download the BCBSTX app.
Medical Benefits Summary
Prescription Drug Program
Retail Pharmacy
You will pay less and eliminate the need for claim forms when you use participating pharmacies for your prescriptions. Show your medical/prescription drug ID card to your pharmacist and pay the amount shown in the medical benefits summary chart. If you use an out-of-network pharmacy, you must pay in full when the prescription is filled and file a claim for reimbursement. The BCBSTX prescription drug benefits are administered through Prime Therapeutics.
Home Delivery
Express Scripts delivers your long-term (or maintenance) medicines to the address of your choice.
New Prescriptions
Mail your prescription to Express Scripts or have your doctor fax or e-prescribe.
Ask your doctor to write a prescription for a 90-day supply of each of your long-term medicines. Or, ask your doctor to fax or e-prescribe your order.
To print a new prescription order form, call 833-715-0942 or go to www.express-scripts.com/rx . Mail your prescription, completed form, and payment to Express Scripts. Medicines take about five days to deliver after receipt of your order.
Refill or Transfer Prescriptions
Online – Visit www.express-scripts.com/rx to register and create a profile or log in to www.myprime.com and follow the links to Express Scripts Pharmacy.
Phone – Call 833-715-0942 and have your member ID card and your doctor’s and Rx information ready.
Mail – Visit www.bcbstx.com and log in to Blue Access for Members. Complete the mail order form and send it with your Rx and payment to Express Scripts.
Doctor – Ask your doctor to fax, call, or email your Rx to Express Scripts for you.
Questions? – Visit www.bcbstx.com or call the number on your member ID card.
SPECIALTY MEDICATIONS
If you need specialty drugs to treat complex or chronic conditions, use Accredo for new or transfer orders. Call 833-721-1619 to speak to a representative and place your order. Certain exclusions and limitations apply; visit www.accredo.com for details.
Preferred Network Pharmacies
Preferred network pharmacies include Brookshire’s, HEB, Kroger, Market Street, Randall’s, Saenz, Walgreens, Walmart, and other independent pharmacies. Check the pharmacy directory for a full list of preferred pharmacies.
Telemedicine
Your medical coverage offers telemedicine services through MDLIVE. Connect anytime day or night with a board-certified doctor via your mobile device or computer for $0 cost . No appointment is needed.
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 services for minor conditions such as:
Sore throat
Headache
Stomachache
Cold
Flu
Allergies
Fever
Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Registration is Easy
Register with MDLIVE so you are ready to use this valuable service when and where you need it.
Visit www.mdlive.com/bcbstx . Call 888-680-8646.
Download the MDLIVE app.
Health Care Options
Becoming familiar with your options for medical care can save you time and money.
Non-Emergency Care
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
TELEMEDICINE
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
DOCTOR’S OFFICE
RETAIL CLINIC
Office hours vary
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
Allergies
Cough/cold/flu
Rash
Stomachache
URGENT CARE
HOSPITAL ER
When you need immediate attention; walk-in basis is usually accepted
Generally includes evening, weekend, and holiday hours
Infections
Sore and strep throat
Vaccinations
Minor injuries/sprains/ strains
Common infections
Minor injuries
Pregnancy tests
Vaccinations
Sprains and strains
Minor broken bones
Small cuts that may require stitches
Minor burns and infections
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility
24 hours a day, 7 days a week
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher
Chest pain
Difficulty breathing
Severe bleeding
Blurred or sudden loss of vision
Major broken bones
Most major injuries except trauma
Severe pain
FREESTANDING ER
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.
BCBSTX Resources
Blue Access for Members
Blue Access for Members (BAM) is the secure BCBSTX member website where you can:
Check the status of claims and your claim history
Confirm dependent eligibility
View and print EOB forms
Locate in-network providers
Print or request an ID card
To get started, log on to www.bcbstx.com and use the information on your BCBSTX ID card to complete the registration process.
Mobile App
The BCBSTX app can help you stay organized and in control of your health anytime, anywhere. Log in from your mobile device to access your BAM account, including:
Track account balances and deductibles
Access ID card information
Find doctors, dentists, and pharmacies
Text BCBSTXAPP to 33633 or search your mobile device’s app store to download.
Member Rewards
Register for Member Rewards and receive rewards for making good health care decisions, such as seeking care from preferred providers. Log in to BAM and click on the Doctors & Hospitals tab under Provider Finder.
Well onTarget
Well onTarget provides the support you need to make healthy choices. Access personalized tools and resources on the secure Well onTarget website, including:
Onmytime self-directed courses
Health and wellness libraries
Tools and trackers
Onmyway health assessment
Fitness program
Visit www.wellontarget.com to access the Well onTarget member portal. If you have already registered on BAM, you will use the same login information. If not, you can register on this site. Customer Service is available at 877-806-9380 to answer any questions you may have.
Blue365
Blue365 can help you save money on health and wellness products and services not covered by insurance. There are no claims to file and you do not need a referral or preauthorization. To receive weekly featured deals by email, sign up for Blue365 at www.blue365deals.com/ bcbstx . Discounts include:
Davis Vision | TruVision – eyewear and LASIK
TruHearing | Beltone – hearing aids and tests
Procter & Gamble – Oral B and Crest dental products
Dental Solutions – dental discount card
Jenny Craig | Nutrisystem – weight loss programs
Reebok | Skechers – work footwear
Behavioral Health
BCBSTX medical plans also provide coverage for mental health. Talk about your mental health with your doctor. He/she can work with you to get the help you need and to find a specialist in your area.
Mental Health Counseling
A counselor can talk with you to help solve a problem – like anxiety, depression, or grief – over one visit or several visits.
Substance Use/Abuse Counseling Counselors help people who suffer from addiction to alcohol or drugs.
Psychiatric Therapy
A psychiatrist is a medical doctor who can diagnose mental health disorders and prescribe medications.
Cancer Services and Support
BCBSTX provides comprehensive, free cancer services and support, including a personalized digital hub, access to oncology nurses, expert case reviews via AccessHope, and guidance on treatments and clinical trials. These services are available to members to support them through diagnosis, treatment, and post-treatment, including help navigating benefits and mental health resources.
Gene Therapy Solutions
BCBSTX Gene Therapy Solutions provide members with access to high-value, FDA-approved gene therapies for rare, genetic, and ocular disorders. The program focuses on managing high costs through specialized networks, comprehensive care management, and outcomes-based agreements.
Prescription Discounts
MedsYourWay is a new prescription drug discount program that works with your BCBSTX pharmacy benefit. There’s nothing you need to do to start using the MedsYourWay program. It’s part of your benefit plan, and there’s no sign-up. You can find in-network pharmacies and review your estimated drug costs by logging in to BAM or MyPrime.com account.
Zero-cost Emergency Medication
BCBSTX offers members select, acute medications with a $0 cost share for emergency use or life-saving situations. By removing cost barriers to these medications, you can immediately access treatments during urgent, medical events. If you have pharmacy benefits through Prime Therapeutics, you can use this benefit at any in-network pharmacy, including both preferred and non-preferred pharmacies. Log in to your BAM or MyPrime.com account.
Diabetes Support
BCBSTX offers the Twin Health Metabolic Health Management program as a covered benefit for eligible members to reverse type 2 diabetes, improve blood sugar, and reduce medications. This program utilizes “Whole Body Digital Twin” AI technology, providing personalized, real-time insights to address root causes of metabolic dysfunction through lifestyle changes.
Well-being Management
Airrosti Flex is a solution for members seeking evidencebased, minimally invasive treatment for acute MSK pain in the comfort of their home with health coaches and self directed care plans. This solutions aims to improve care pathway for MSK pain, reduce spend on unnecessary surgery & provide nation-wide access for members needing this type of care (myofascial release).
Catapult Health, a preferred vendor for biometric screenings offer virtual preventive checkups as an option for employees. The scope and benefits of Catapult’s current worksite Checkup and the Virtual Checkup are interchangeable.
Hinge Health is a digital musculoskeletal program led by physical therapists and health coaches. Members who are eligible can participate in the comfort of their own homes.
Omada is a personalized program designed to help members reduce chronic disease risk with diabetes prevention and hypertension education, specialized devices, like-minded communities and proactive health coaches.
Wondr is an online, digital weight-management program that teaches members science-based skills that help them lose weight, sleep better, manage stress and more.
Hinge Health
If you suffer from constant back and joint pain, Hinge Health can help without drugs or surgery. Get personal therapy, unlimited support, a computer tablet, and wearable sensors — all for free! Average results show 60% pain reduction and two out of three surgeries avoided.
Doctors and physical therapists created this program for long-term results. Your remote care may be done in the comfort of your own home. You will begin with a 12-week intensive phase, followed by an ongoing program that builds on what you have learned.
To be eligible for this program, you must:
Be covered under a BCBSTX medical plan (includes spouse and children)
Be age 18+
Have a chronic musculoskeletal claim in the last three months
Be contacted by Hinge Health to sign up based on your medical claim; self-referrals will not be accepted
Learn more and apply at www.hingehealth.com/bcbstx
Omada
If you are at risk of diabetes and/or high blood pressure, Omada helps you change the habits that put you most at risk for developing a chronic condition. A virtual care team will work with you to create a program to reduce your risk and build healthy habits. You will receive weekly support and connect with a small group of peers, all from the comfort of your own home. These features are all covered as part of your BCBSTX benefits:
24/7 access to digital support and help
Weekly classes on healthy habits (food, activity, sleep, and stress)
Smart devices to track and manage your condition
Visit www.omadahealth.com/bcbstx to apply for Omada online. If you qualify for the program, Omada will send you an email with more information. However, if you have any health claims that show you may be at risk for diabetes or high blood pressure, Omada will reach out to you directly. For more information, visit www. omadahealth.com/bcbstx
Wondr
If you would like to lose weight and change how your body stores and uses energy, Wondr may be right for you. Wondr is a 100% digital weight loss program that teaches you how to eat your favorite foods and still lose weight, have energy, stress less, and sleep better. Wondr is not a diet plan. There are no points, plans, or calories to count. It teaches you skills to know how and when you eat and improve your long-term health.
To be eligible for the Wondr program, you must:
Be covered under a BCBSTX medical plan (includes spouse and children)
Be age 18 or older
Have a body mass index (BMI) over 25
If you or your covered dependents meet this eligibility, you may learn more and enroll at www.wondrhealth. com/bcbstx . When your application is accepted, you will get an email and program details. Or, get the Wondr app from Google Play or the App Store.
FITNESS PROGRAM
The BCBSTX Fitness Program is available to you and your covered dependents age 16 and over. The program provides access to a nationwide network of fitness facilities. Choose a fitness center close to home, one near work, or visit locations while traveling.
The Fitness Program includes:
A choice of gym networks to fit your budget and preference.
Boutique-style classes and specialty gyms with pay-asyou-go options and 30% off every tenth class.
Gym network access to your covered dependents at a bundled price discount.
Convenient payment options that allow you to pay monthly fees by automatic credit card or bank account withdrawals.
Joining is Easy
Visit www.bcbstx.com and log in to your BAM account. Select Fitness Program under Quick Links to enroll, search for fitness locations, and learn more about the program. Verify your personal information, enter a method of payment, and print or download your Fitness Program membership ID card. You are ready to visit a fitness location.
Fitness Program Features
Mobile App – The Fitness Program mobile app allows you to search for participating locations, get help with studio class registration, and location check-in. Real-time data is provided to the mobile app and Well onTarget portals.
Health and Wellness Discounts – Complementary and Alternative Medicine (CAM) discounts – available through the Whole Health Living Choices Program –allow you to save money through a network of 40,000 health and well-being providers (e.g., acupuncturists, massage therapists, and personal trainers). Register at www.whlchoices.com.
Blue Points – Receive 2,500 points for joining the Fitness Program. Earn additional points for weekly visits. Points can be redeemed for apparel, books, electronics, health and personal care items, music, and sporting goods.
Dental Coverage
Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Coverage is provided through BCBSTX .
DPPO Plan
There are two DPPO plan options, a Low and a High, each with two levels of benefits: 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.
Cleanings, complete series X-rays, exams
Basic Services
Sealants, space maintainers, amalgams, resin-based composite restorations, nonsurgical extractions, non-surgical periodontal service, palliative treatment, general anesthesia
Major Services
Endodontic services, oral surgery, surgical periodontal services, bridges, crowns, dentures
topical
extractions, non-surgical periodontal services, palliative treatment, general anesthesia, endodontic services, oral surgery, surgical periodontal services
†Low Plan Out-of-Network Providers: When you use out-of-network providers, your benefits will be paid based on a ¹Contracted Fee
Schedule (a set amount for each type of service that is determined by BCBSTX). 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.
1High Plan Out-of-Network Providers: When you use out-of-network providers, your benefits will be paid based on the 90th Percentile of Usual & Customary Fees (a set amount for each type of service that is determined by other Dentist in your area). The plan will pay benefits based only on the 90th Percentile of Usual & Customary and you are responsible for the difference.
Vision Coverage
The vision plan through BCBSTX using the EyeMed Insight network is designed to provide your basic eyewear needs and to preserve your health and eyesight. In addition to identifying vision and eye problems, regular exams can detect certain medical issues such as diabetes or high cholesterol. You may seek care from any licensed optometrist, ophthalmologist, or optician, but plan benefits are better if you use an in-network provider.
Download the App
The EyeMed app gives you on-the-go access to your vision benefits:
Find nearby network providers
Access ID cards
On-the-fly appointment scheduling
Eye exam and contact lens reminders
Direct line to member support
Bifocals
Trifocals
Lenticular
Conventional Disposable
Medically necessary
Register on the App
Download – Search "EyeMed Members" in your preferred app store.
Open – You can use some features right away; others unlock once you register.
Register – You'll need your member ID or the last four digits of your Social Security number.
Log In – It's that easy!
Find an In-Network Vision Provider Visit www.eyemedvisioncare.com/bcbstxvis . Call 855-556-8796
Vision Benefits Summary
Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance through Sun 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 65% at age 65, and by 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 $50,000 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.
All Future Enrollments
Late entrants may elect the initial increment amount without having to provide Evidence of Insurability (EOI). Existing members may increase coverage by one increment in any year without having to provide EOI, even if the increased coverage exceeds the Guaranteed Issue amount. Other scenarios require Evidence of Insurability to be met.
Voluntary Life and AD&D Coverage
Increments of $10,000 up to five times annual salary (not to exceed $500,000)
Employee
Spouse
Child(ren)
Guaranteed Issue $150,000 or five times annual earnings, whichever is less
Increments of $5,000 up to $100,000 (not to exceed 100% of employee amount)
Guaranteed Issue $50,000
Coverage ends when employee turns age 70
Birth to 14 days – $100
14 days to six months – $1,000
Six months to age 26 – Increments of $2,000 up to $10,000 (not to exceed 100% of employee amount)
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%).
Accelerated Death Benefit
If you are diagnosed with a terminal illness and have 24 months or less to live, you may request up to 75% of your coverage, up to a maximum of $500,000. The amount you receive will be deducted from the final payout amount upon your death.
Life and AD&D Insurance
*Spouse rate is based on employee’s age. Spouse coverage ends when employee turns 70. **Regardless of how many children you have, they are included in the costs above.
Supplemental Insurance
You may 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. Coverage is offered through Sun Life.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. This plan 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.
For a full list of reimbursements, see your plan documents.
Hospital Indemnity Insurance
The Hospital Indemnity plan helps with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance that 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.
For a full list of reimbursements, see your plan documents.
Sum Injuries* Dislocations, ruptured discs, eye injuries, fractures, lacerations, concussions, etc.
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.
For a full list of reimbursements, see your plan documents.
Employee
Spouse
$10,000-$30,000
$10,000-$30,000 Child(ren)
Heart attack, sudden cardiac arrest, stroke, end stage kidney failure, major organ failure, benign or spinal cord tumor, coma, paralysis, severe burns, loss of sight, speech, or hearing, occupational infectious disease, ALS (Lou Gehrig’s disease), invasive cancer
Heart attack (NSTEM), coronary artery disease or obstruction, transient ischemic attack (TIA), advanced dementia, Huntington’s disease, multiple sclerosis, Parkinson’s disease, non-invasive cancer.
Childhood Diseases
Cerebral palsy; Congenital heart defects; Type 1 Diabetes Mellitus, other genetic disorders
Wellness Benefit
One per covered person per calendar year
Additional Benefits
Sun Life offers the following programs and services at no additional cost to you.
Employee Assistance Program (EAP)
The EAP offers 24/7 access to confidential support, resources, and no-cost referrals to help you and your family with a range of personal and work-related issues. Get up to three counseling sessions per issue, per year, and pay $0 for the care. You also have unlimited phone support at no additional cost. Master’s degree-level professionals are available to help with the following:
Stress and depression
Legal and financial issues
Family and relationship issues
Drug and alcohol abuse
Grief issues
Parenting, childcare, and eldercare
Other personal concerns
To contact the EAP, call 800-460-4374 or visit www.guidanceresources.com (use web ID EAPEssential when prompted).
Emergency Travel Assistance
Assist America provides an emergency travel assistance program that connects you with doctors, hospitals, pharmacies, and other services if you experience an emergency while traveling 100+ miles away from your permanent residence, or if you are in another country. Visit www.assistamerica.com. Use reference number 01-AA-SUL-100101.
Call 800-872-1414 (within the USA).
Call 609-986-1234 (outside the USA).
Email medservices@assistamerica.com.
Download the Assist America app.
Identity Theft Protection Services
Services available from Assist America for the safeguarding, prevention, and resolution of your data integrity and fraud issues include:
24/7 access to identity protection experts
Credit card and document registration
Internet fraud monitoring
24/7 identity fraud support
Contact Assist America
Visit www.assistamerica.com/sunlife. Use reference number 01-AA-SUL-100101
Call 800-872-1414 (within the USA).
Call 609-986-1234 (outside the USA).
Email medservices@assistamerica.com
Download the Assist America app.
Credit card and document registration
Internet fraud monitoring
24/7 identity fraud support
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:
West Point Lincoln
Terri Henderson, Human Resources Director 11666 Katy Freeway Houston TX 77043
thenderson@westpointlincoln.com 281-596-1202
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 West Point Lincoln 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. West Point Lincoln has determined that the prescription drug coverage offered by the West Point Lincoln 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 West Point Lincoln 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 West Point Lincoln 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 281-596-1202
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 800-3250778
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).
May 1, 2026
West Point Lincoln Terri Henderson, Human Resources Director 11666 Katy Freeway Houston TX 77043
thenderson@westpointlincoln.com 281-596-1202
Notice of HIPAA Privacy Practices
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.
This Notice of Privacy Practices (the “Notice”) describes the legal obligations of West Point Lincoln’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.
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.
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:
West Point Lincoln
Terri Henderson, Human Resources Director 11666 Katy Freeway Houston TX 77043
thenderson@westpointlincoln.com
281-596-1202
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;
3. 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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;
5. to notify people of recalls of products they may be using;
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.
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.
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.
Law Enforcement. We may disclose your PHI if asked to do so by a law-enforcement official.
1. in response to a court order, subpoena, warrant, summons, or similar process;
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. about a death that we believe may be the result of criminal conduct; and
5. about criminal conduct.
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.
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.
Research. We may disclose your PHI to researchers when:
1. The individual identifiers have been removed; or
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.
VI. Required Disclosures
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.
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-in-fact, 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:
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.
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.
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.
VIII. Your Rights
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 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.
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:
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.
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.
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. 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.
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.
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.
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.
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.
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.
IX. Complaints
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.
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.
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 1-877-KIDS 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 employer-sponsored 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.
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
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
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
Florida – Medicaid
Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html
Phone: 1-877-357-3268
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/ third-party-liability/childrens-health-insurance-programreauthorization-act-2009-chipra
Phone: 678-564-1162, Press 2
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
Iowa – Medicaid and CHIP (Hawki)
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-iowamedicaid/fee-service/hipp
HIPP Phone: 1-888-346-9562
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
Louisiana – Medicaid
Louisiana Medicaid Website: https://www.ldh.la.gov/healthylouisiana
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
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
Massachusetts – Medicaid and CHIP
Website: https://www.mass.gov/masshealth/pa
Phone: 1-800-862-4840
TTY: 711
Email: masspremassistance@accenture.com
Minnesota – Medicaid
Website: https://mn.gov/dhs/health-care-coverage/
Phone: 1-800-657-3672
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
Nebraska – Medicaid
Website: http://www.ACCESSNebraska.ne.gov
Phone: 1-855-632-7633
Lincoln: 402-473-7000
Omaha: 402-595-1178
Nevada – Medicaid
Medicaid Website: http://dhcfp.nv.gov
Medicaid Phone: 1-800-992-0900
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
New Jersey – Medicaid and CHIP
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)
New York – Medicaid
Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
North Carolina – Medicaid
Website: https://medicaid.ncdhhs.gov
Phone: 919-855-4100
North Dakota – Medicaid
Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825
Oklahoma – Medicaid and CHIP
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
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)
South Carolina – Medicaid
Website: https://www.scdhhs.gov
Phone: 1-888-549-0820
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/ Vermont– Medicaid
Website: https://dvha.vermont.gov/members/medicaid/hippprogram
Phone: 1-800-250-8427
Virginia – Medicaid and CHIP
Website: https://coverva.dmas.virginia.gov/learn/premiumassistance/famis-select
https://coverva.dmas.virginia.gov/learn/premium-assistance/ health-insurance-premium-payment-hipp-programs
Medicaid/CHIP Phone: 1-800-432-5924
Washington – Medicaid
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)
Wisconsin – Medicaid and CHIP
Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095. htm
Phone: 1-800-362-3002
Wyoming – Medicaid
Website: https://health.wyo.gov/healthcarefin/medicaid/ programs-and-eligibility/
Phone: 1-800-251-1269
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:
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 West Point Lincoln group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the West Point Lincoln 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
West Point Lincoln Terri Henderson, Human Resources Director 11666 Katy Freeway Houston TX 77043 thenderson@westpointlincoln.com 281-596-1202
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-of-network 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-ofnetwork provider.
You are protected from balance billing for:
• Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork 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 poststabilization services.
• Certain services at an in-network hospital or 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.
If you get other services at these in-network facilities, out-ofnetwork 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-of-network. 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 in-network). 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.
This brochure highlights the main features of the West Point Lincoln 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. West Point Lincoln reserves the right to change or discontinue its employee benefits plans anytime.