We are pleased to offer a full benefits package to you and your eligible dependents. Read this guide to know what benefits are available to you.
Availability of Summary Health Information
Our benefits program offers one or more medical plan options. To help you make an informed choice, review each plan’s Summary of Benefits and Coverage, available from Human Resources.
THE BENEFITS HIGHLIGHTED IN THIS GUIDE ARE FOR PLAN YEAR
April 1, 2026 through March 31, 2027.
Eligibility
You are eligible for coverage if you are a regular, full-time employee.
You may only enroll for coverage when:
● You are a new hire
● It is Open Enrollment (OE)
● You have a Qualifying Life Event (QLE)
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see Important Notices for more details.
Eligibility
FOR YOUR EMPLOYEE BENEFITS
New hire
Who is Eligible
• A regular, full-time employee working an average of 30 hours or more per week
When to Enroll
• By the deadline given by Human Resources
When Coverage Starts
• First of the month after completing 60 days of full-time employment
Spousal Carve Out
Employee
Who is Eligible
• A regular, full-time employee working an average of 30 hours or more per week
When to Enroll
• During OE or for a QLE
When Coverage Starts
• OE: Start of the plan year
• QLE: Ask Human Resources
If your spouse is eligible for group medical insurance through their employer, they will not be eligible to obtain coverage under the company’s group health plan.
In the event your spouse loses coverage due to a reduction in work hours, termination of employment or layoff, you will have the opportunity to enroll your spouse under the company’s plan, provided you contact HR within 30 days of the Change in Status and provide written proof from your spouse’s employer that coverage will be lost.
Dependent(s)
Who is Eligible
• Your legal spouse
• Children under age 26 regardless of student, dependency, or marital status
• Children age 26 or older 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
When to Enroll
• During OE or for a QLE
• When covering dependents, you must enroll for and be on the same plans
When Coverage Starts
• Ask Human Resources
Qualifying Life Events
ENROLLMENT
You may only enroll for or make changes to coverage during the plan year if you are a new hire or if you have a QLE, such as:
Becoming eligible for
Change in benefits
Receiving a Qualified Medical Child Support Order
Gain or loss of benefits coverage
Change in employment status affecting benefits
Significant change in cost of spouse’s coverage
You have 30 days from the event to notify Human Resources and complete your changes You may need to provide documents to verify the change.
Enter your username, password, and the last four digits of your Social Security number. Then select Log in
Select 2026-2027 Benefit Enrollment under My Benefits.
Update your personal information and add your dependents if applicable.
Make your benefit elections and click Enroll or Decline
The Benefit Plan Selection Review screen will appear. Please review your benefit elections. Once you are satisfied with your elections, check Complete Enrollment. Then confirm by clicking OK.
When you are ready to complete your enrollment, click Sign and Submit
Call or text a bilingual representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day. Email questions or requests to WNGBenefitQuestions@higginbotham.net .
Medical
Carrier: UnitedHealthcare
Network: Charter (HMO Plan) and Choice Plus (PPO Plan)
Your medical plan options protect you and your family from major financial hardship in the event of illness or injury. You have a choice of two plans:
● HMO Plan
● PPO Plan
Health Maintenance Organization
With a Health Maintenance Organization (HMO) plan, you must seek care from in-network providers in the HMO network. The selection of a primary care physician is required, and you need a referral to see a specialist. Always confirm that your doctors and specialists are in-network before seeking care.
Note: The HMO Plan uses the Kelsey-Seybold Clinic within the Houston area. There is no need for referrals within this clinic network. Coverage outside this network is generally not covered.
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-ofnetwork providers. When you see in-network 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.
Medical Benefits Summary
FOR PREVENTIVE TO CHRONIC CARE
Prescription Drugs – Retail Up to 31-day supply
• Tier 1 Prescription Drugs
• Tier 2 Prescription Drugs
• Tier 3 Prescription Drugs
• Tier 4 Prescription Drugs
Prescription Drugs – Mail Order Up to 90-day supply
• Tier 1 Prescription Drugs
• Tier 2 Prescription Drugs
• Tier 3 Prescription Drugs
• Tier 4 Prescription Drugs
1 The amount you pay after the deductible is met.
copay
copay
copay
copay
$37.50 copay
copay
copay
copay
copay
copay
copay
copay
copay
copay $37.50 copay
2 Benefits are available only when services are delivered through a Designated Virtual Network Provider for 24/7 Virtual Visit services only. You can find a 24/7 Virtual Visit Provider by contacting us at myuhc.com ®. ³Through a Designated Virtual Network Provider.
Your HMO Plan: UHC + Kelsey-Seybold
With this plan, UnitedHealthcare manages your insurance and benefits, while Kelsey-Seybold Clinic serves as your medical home, providing coordinated care through an integrated network of physicians and specialists.
Quick Facts
1,000+ Physicians
Primary care doctors and specialists working in one connected care system
65+ Specialties
Including cardiology, orthopedics, endocrinology, pulmonology, and more
40+ Locations
Convenient Kelsey-Seybold clinics throughout the Houston area
Virtual Care 365 Days a Year
On-demand VideoVisitNOW or scheduled video visits available day or night
Plan Highlights
• No referrals required to see Kelsey-Seybold specialists
• Same-day or next-day appointments often available
• Integrated care including primary care, specialists, labs, imaging, and diagnostics
• Access to leading Houston hospitals including Texas Children’s, Memorial Hermann, Houston Methodist, St. Luke’s Health, HCA Houston Healthcare, and The Woman’s Hospital of Texas
Access and Convenience
• 24/7 appointment scheduling and nurse line
• Nationwide UHC urgent care access when traveling
• Five nationally accredited cancer centers
• Four outpatient surgery centers and an accredited sleep center
How the Plan Works
Choose a Kelsey-Seybold Primary Care Physician (PCP) for non-emergency care. Your PCP helps coordinate specialty visits, labs, imaging, and follow-up treatment within the Kelsey-Seybold system.
Care outside the network is generally not covered except in emergencies
Digital Tools
Kelsey-Seybold Member Website and App
Visit www.mykelseyonline.com or download the MyKelsey app to schedule visits, message your doctor, view most test results, and access 24/7 virtual care through VideoVisitNOW
UnitedHealthcare Member Website and App
Visit www.myuhc.com or use the UnitedHealthcare app to view claims, access digital ID cards, review benefits, and manage your health plan.
Need Help?
Appointments and Nurse Line (24/7) 713-442-0000
Kelsey Concierge 713-442-2304
Monday–Friday, 8:00 a.m. - 5:00 p.m.
UHC Health Care Advisor 800-357-1371
MyKelseyOnline Help Line 713-442-6565
Prescription Drugs
FOR SHORT- OR LONG-TERM CARE MANAGEMENT
Carrier: UHC/Optum Rx
Your medical coverage includes prescription benefits for retail, mail order (home delivery), and specialty drugs.
Prescription Drug List
Your medical carrier controls prescription drug costs by negotiating discounts on medications. Covered drugs are listed in the Prescription Drug List. If you take maintenance medications, review the list with your doctor to see which ones are covered and available. If your medication is not listed, call the phone number on your member ID card.
Retail
Use any participating retail pharmacy to fill short-term, nonspecialty medications. Retail pharmacies often fill or refill 30to 90-day supplies.
Home Delivery
If you take medication on a daily basis, consider using home delivery. It is a convenient, low-cost option that delivers up to a 90-day supply right to your home. You will need to set up an online pharmacy account and/or download the app to easily manage your prescriptions.
Specialty
If you need a specialty drug to treat a complex or chronic condition, you will be asked to enroll in a specialty drug program. It offers support to ensure the medication works well for you and costs as little as possible. If you do not enroll in the program, the specialty drug may not be covered. Certain exclusions and limitations apply.
Sign Up for Home Delivery
Visit www.optumrx.com
Call 866-633-2446.
Download the Optum Rx app
Pharmacy Discounts
Save on prescription medications with Optum Perks This free service helps you find discounted prices at pharmacies near you – no membership required.
1. Search for your medication and compare local prices.
2. Get a coupon by print, email, or text.
3. Show the coupon to your pharmacist to receive the discount.
Visit https://perks.optum.com or download the Optum Perks app
$0 Cost on Certain Medications
UHC is making essential medications more affordable. With the UnitedHealthcare Vital Medications Program, eligible members may pay nothing out of pocket for a range of critical drugs, including:
• Insulin (rapid, short, and long acting)
• Epinephrine for allergic reactions
• Glucagon for hypoglycemia (low blood sugar)
• Naloxone for opioid overuse
• Albuterol for asthma
To find out if your prescriptions qualify, sign in at www.myuhc.com/rx
Preventive Care
SMALL STEPS TODAY LEAD TO A HEALTHIER FUTURE
Your medical plan offers $0 preventive care for everyone. Preventive care is the care you receive to help prevent chronic illness or disease. It includes exams, lab work, screenings, immunizations, and counseling to prevent health problems, such as diabetes or heart disease.
Preventive Care Coverage Includes
Adults
Cholesterol screening
Blood pressure screening
Colorectal cancer screening
Lung cancer screening
Hepatitis B screening
Well visits
Bone density screening
Obesity screening
Diabetes type 2 screening
Depression screening
Mammograms
Cervical cancer screening
Immunizations
Frequently Asked Questions
Why should I get preventive care?
Teens
Physical exam
Blood tests for iron and cholesterol
Anxiety screening
Growth screening
Hearing screening
Hepatitis B screening
Depression screening
Alcohol, tobacco, and drug use assessments
Tuberculosis screening
Immunizations
Vision screening
Preventive care is the fastest and best way to uncover potential risks and avoid chronic health conditions.
Are all screenings, tests, and procedures covered under preventive care?
No. Your doctor will be able to advise you as to the preventive care you need or should obtain, based on your medical and family history.
Children
Autism screening
Blood screening
Depression screening
Developmental screening
Hearing screening
Obesity screening and counseling
Hypothyroidism screening
Behavioral assessments
Well visits
Immunizations
Vision screening
Why did I get a bill for preventive care?
Diagnosis codes on the doctor’s bill must meet certain insurance company conditions for them to be processed as preventive and covered at 100%. If you have a medical complaint, or your doctor finds a specific medical issue during your preventive care doctor’s visit, a diagnosis code for that issue or complaint will be on your bill. As a result, the insurance company may process the bill for a specific medical condition, not preventive care. In this case, you must pay the copay or portion of your deductible.
Next Level Prime is a membership-based health program that offers a comprehensive range of services—all at no cost to you and your family
• Unlimited access to medical services 7/week
• Urgent, Primary, Preventive Care
• Chronic Disease Management
• Access to all next level Clinics
• Health Coaching
Clinics
• Health Coaching
Next Level Prime
• Emotional Wellness Counseling
• Lab Services
Eligibility
• Durable Medical Equipment
• 24/7 Telemedicine Access
• Care Navigation
WN Global values you AND your families!
Any employee who has elected medical coverage is automatically enrolled in Next Level Prime for FREE In addition, WNGlobal has extended coverage to all dependents enrolled in a medical plan (spouse, children, etc.).
• Emotional Wellness Counseling
• Lab Services
• Unlimited access to medical services 7 days/week
• Urgent, Primary, Preventive Care
• Durable Medical Equipment
• Chronic Disease Management
• 24/7 Telemedicine Access
• No co-pay’s
Next Level Prime is a membership-based health program that offers a comprehensive range of services— all at no cost to you and your family
• No deductible
• No co-insurance
• ZERO cost Comprehensive Healthcare -$0 to you and your dependents
• Access to all next level clinics
• Care Navigation
• Health Coaching
• Emotional Wellness Counseling
• Lab Services
• Durable Medical Equipment
• 24/7 Telemedicine Access
• Care Navigation
Eligibility
Any employee who has elected medical coverage is automatically enrolled in Next Level Prime for FREE. This includes all your eligible dependents, as long as you are enrolled in one of the medical plans.
• No copays
• No deductible
• No co-insurance
• ZERO cost Comprehensive Healthcare - $0 for you and your dependents
Download the Next Level Prime app and make getting care faster.
Carrier: Next Level Prime
Your medical coverage offers telemedicine services so you can connect anytime day or night with a boardcertified doctor via your mobile device or computer. This service is available to employees and qualified dependents, including your spouse and children, regardless of which medical plan you elect.
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 afterhours health care clinic, urgent care clinic, or emergency room for treatment
• Are on a business trip, vacation, or away from home
• Are unable to see your primary care physician
When to Use Telemedicine
Use telemedicine for minor conditions such as:
• Sore throat
• Headache
• Stomachache
• Cold/flu
• Child Behavior and Learning Issues
• Allergies
• Dermatology
• Primary care
• Fever
• Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Get More Information or Register
Skip the trip to your doctor! Register for an account so you can get on-demand medical care. Visit www.nextlevelurgentcare.com Call 832-957-6200 Download the Next Level App.
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
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
Infections
Sore and strep throat
infections
Sprains and strains
Minor broken bones Small cuts that may require stitches
Minor burns and infections
Chest pain
Difficulty breathing
Severe bleeding
Blurred or sudden loss of vision
Major broken bones
Most major injuries except trauma Severe pain
4+ hours
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 Resources
FOR GETTING THE MOST OUT OF YOUR COVERAGE
myUHC Member Portal
Access your plan details at www.myuhc.com, your personalized member website. Once you register for an account, you can:
• Find care and compare costs for in-network providers and services
• Check your plan balances, view your claims, and access your ID card
• Access wellness programs and view clinical recommendations
• Get 24/7 access to board-certified doctors via virtual visits
Mobile App
Download the UnitedHealthcare app for easy access to your benefit plan information and virtual care.
Health Care Advocacy
Help is just a call away, whether you have a question about a new claim, need to find a doctor, or want to better understand your benefits. The Advocate4Me program helps you:
• Understand your benefits and claims
• Get answers about a bill or payment
• Locate care and cost options
• Learn more about your prescriptions
• Find support if you have a child with complex needs
• Use your health and well-being benefits wisely
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 completing healthy activities, including tracking your steps or sleep.
• Get a biometric screening
• Get an annual checkup
• Connect a tracker
• Take a health survey
$50
$25
$25
$15
Additional healthy actions — like tracking daily activity or tracking sleep — may also earn rewards, and new qualifying activities can be added throughout the year.
Register for UHC Rewards
1. Download the UnitedHealthcare app or sign up at www.myuhc.com .
2. Select UHC Rewards.
3. Activate UHC Rewards.
4. Choose reward activities and start earning.
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.
Earn $50 for Biometric Screening
Learn your blood pressure, glucose, cholesterol, weight, and more to support your health and receive $50 with UHC Rewards. Get an at-home screening, complete the screening at one of many lab locations, or go to your doctor or clinic. Then, submit the completed screening form.
How to Get Started
1. Sign in on the UnitedHealthcare app
2. Go to the Menu tab and select UHC Rewards
3. Scroll to Available activities and select See all.
4. Select Biometric screening and then Get started.
Gym Discount
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.
• All tiers Classic or above come with grocery and home essentials delivery at no extra cost.
Membership Options*
*An enrollment fee may apply.
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, CrossFit, and others, depending on your tier and location.
Use your UHC Rewards dollars towards your One Pass Select subscription.
Weight Loss Program
Real Appeal is a free, coach-led online weight loss program for you and eligible family members. Participants lose an average of 10 pounds after just four sessions. Includes oneon-one coaching, group sessions, and a Success Kit with scales, recipes, and fitness equipment delivered to your door. Visit https://realappeal.com
Weight Management App
Wellos is a digital app that helps you build healthier habits and sustain weight loss through personalized coaching, habit tracking, behavior-change lessons, and wellness challenges. Visit www.wellos.com/member or download the Wellos app.
Smoking Cessation
Quit For Life is a free, coach-guided program to help you quit tobacco for good. Includes nicotine replacement therapy (patches or gum), a personalized Quit Plan, and 24/7 access to coaches via phone, chat, or text — plus group video sessions and a mobile app with on-demand tools and support. Visit www.quitnow.net
Maternity Support
Get online resources and courses to support you through every stage of pregnancy and beyond — covering nutrition, exercise, breastfeeding, postpartum care, and more. Visit https://myuhc.phs.com/pregnancy-resources
UHC Mental Health Resources
If you're enrolled in a UnitedHealthcare medical plan, you have access to behavioral health resources to support your mental and emotional well-being.
Mental Health Provider Finder
Find virtual or in-person licensed therapists for longterm support with issues including bipolar and neurodevelopmental disorders, eating disorders, compulsive habits, substance abuse, and medication management. Visit www.myuhc.com/mh-recommendations or call the number on your medical ID card.
Employee Assistance Program (EAP)
Get three free sessions by phone or in-person for short-term support with stress, anxiety, depression, work/life balance, and legal or financial concerns. Call 888-887-4114 for 24/7 support or to schedule an in-person session.
Virtual Therapy and Coaching
AbleTo offers two ways to get support:
• Self Care: Eight-week programs with licensed therapists, often at little to no cost, plus self-care and coaching resources. Visit www.ableto.com/begin.
• Behavioral Coaching: A dedicated one-on-one coach, digital activities, phone/video sessions, in-app messaging, and 24/7 access to tools like breathing exercises and meditations. Visit www.ableto.com/exploremore
Support for Your Teen's Mental Health
Half of all mental health conditions start by age 14. UHC offers tools, conversation guides, and access to licensed therapists to help families act early. Visit www.myuhc.com/parentyouth
Child and Family Coaching
Available at no additional cost for families with children ages 1–17, Bend Health provides behavioral health coaching to help manage a range of parenting challenges. Includes up to four 45-minute sessions per month, unlimited secure messaging, and referrals to therapists or psychiatrists if needed. Visit www.bendhealth.com/coaching to get started.
Calm Health App
A personalized mental health app that begins with a short screening to recommend tailored content and tools — created by psychologists — to help you meditate, improve focus, and feel calm. Set your own pace and track your progress. Download the app after signing in at www.myuhc.com or the UnitedHealthcare app.
Advanced Lab Tests and Health Screenings
FOR A DEEPER UNDERSTANDING OF YOUR BODY AND SPOTTING POTENTIAL ISSUES EARLY
Carrier: Function
New! Function Membership
Your benefit plan includes the opportunity for you and your family to enroll for a Function membership. Function empowers you to own your health through affordable access to advanced lab testing. A Function membership evaluates five times more biomarkers than the average physical, helping you gain a deeper understanding of what's going on in your body, monitor for early indicators of disease, and track your health as it evolves.
The membership includes:
• Access to 100+ lab tests at the start of your membership.
• Access to an additional 60+ midyear follow-up tests to track your progress.
• Detailed clinician notes highlighting areas of focus.
• A targeted action plan to help improve your health.
• Results stored on one secure platform for easy access anytime.
How the Process Works
After signing up for Function, you will get an email and text message to schedule a convenient time and location for your lab visit. Tests take less than 30 minutes and are done at one of more than 2,000 partner lab locations nationwide. You will then get a detailed summary of your results and a targeted action plan to help you reach your health goals. All results are stored in one secure location for you to access anytime. You can retest in six months to see how you are progressing. Nonroutine tests (e.g., advanced MRI, early detection of multiple cancers, allergies, heavy metals, and more) may be added for an additional cost.
How to Enroll
Enroll anytime during the year. You will pay the membership fee(s) directly to Function.
FOR A DEEPER UNDERSTANDING OF YOUR BODY AND SPOTTING POTENTIAL
ISSUES EARLY
Test More. Know More.
Advanced testing across:
• Heart
• Immunity
• Metabolics
• Hormones
• Nutrients
• Heavy Metals
• Liver
• Kidneys
• Pancreas
• Prostate
• Sexual Health
• Electrolytes
• Thyroid
• Autoimmunity
• Urine
• Blood
As a Higginbotham client, WN Global employees pay a discounted annual membership fee starting at $335 per year.
FSA/HSA Eligible
Funds from your Flexible Spending Account (FSA) or Health Savings Account (HSA) may be used to pay for your membership. Reimbursement is not guaranteed, so please contact your FSA/HSA provider in advance to confirm the terms of reimbursement. If you do not have an FSA or HSA, use a personal credit card.
*Function membership includes prepaid access to 160+ lab tests each year at a Quest Diagnostics site. Due to state regulations, members testing in New York and New Jersey will be charged an additional fee directly by Quest for each lab visit. We cannot accommodate lab testing in Hawaii or Rhode Island at this time. You can schedule lab testing in a neighboring state.
Dental
FOR YOUR PEARLY WHITES
Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work.
DPPO Plans
Two levels of benefits are available with the DPPO plans: 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-ofnetwork provider.
Carrier: UnitedHealthcare
Network: UnitedHealthcare
1 You will be reimbursed up to the Maximum Allowable Charge (MAC) for services received from an out-of-network dentist. You are responsible for charges in excess of the MAC.
²Payment for covered services received from an out-of-network dentist is based on the 90th percentile of Usual, Customary, and Reasonable (UCR) charges.
³The amount you pay after the deductible is met.
FOR YOUR PEEPERS
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers. Carrier:
Life and AD& D Insurance
FOR FINANCIAL SECURITY AFTER DEATH OR LOSS
Carrier: New York Life
Life and Accidental Death and Dismemberment (AD&D) insurance 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 $50,000 for each benefit.
Voluntary Life and AD&D
If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).
Employee
• Increments of $10,000 up to the lesser of $500,000 or five times your salary
• Guaranteed Issue: Lesser of five times annual salary or $200,000
Spouse
• Increments of $5,000 not to exceed 100% of the employee amount up to $500,000
• Guaranteed Issue: $50,000
Child(ren)
• Birth to six months - $1,000
• Six months to age 26 - $10,000
Coverage is portable!
Designating a Beneficiary
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
Disability Insurance
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We offer Short Term Disability (STD) and Long Term Disability (LTD) at no cost to you.
Employer-paid 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 workers’ compensation, not STD.
Employer-paid Long Term Disability
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for a specific period of time. Benefits begin at the end of an elimination period and continue while you are disabled up to the maximum benefit period.
Employee Assistance Program
Administrator: New York Life
The Employee Assistance Program helps you and family members cope with a variety of personal and work-related issues. This program provides confidential counseling and support services at little or no cost to you to help with:
• Relationships
• Work-life balance
• Stress and anxiety
• Will preparation and estate resolution
• Grief and loss
• Childcare and eldercare issues
• Substance abuse
• Financial and legal matters
• And more
Get three face-to-face counseling sessions per issue per year!
Additional Benefits
As part of your New York Life Group Benefit Solutions (NYL GBS) coverage, you have access to the following programs at no additional cost.
Well-Being Coaching
Work one-on-one with a certified coach — by phone or virtually — to address burnout, time management, stress, and other personal challenges. Five sessions per year available.
Financial, Legal, and Estate Support
Unlimited access to CPAs and financial planners, attorney consultations, identity theft and fraud resolution assistance, and online tools for creating state-specific wills and estate documents. Call 800-344-9752 or visit www.guidanceresources.com (Web ID: NYLGBS )
Travel Assistance
Traveling 100+ miles from home? Access 24/7 trip planning, travel assistance, and emergency medical transportation coordinated through Generali Global Assistance.
• USA/Canada: 888-226-4567
• Other locations: 202-331-7635 (collect)
• Email: ops@us.generaliglobalassistance.com
When calling, have your policyholder’s name, policy number, and group number ready.
Survivor Support
Dedicated support specialists can help your beneficiaries navigate loss, including grief resources, claims guidance, and community referrals. Call 800-570-3778 , weekdays between 8:00 a.m. and 7:00 p.m. ET.
Retirement Plan
Administrator: Fidelity
A 401(k) plan can be a powerful tool to help you be financially secure in retirement. Our 401(k) plan can help you reach your investment goals.
Eligibility
As an eligible employee, you will be automatically enrolled on the first quarterly entrance date following 90 days of full-time service. The auto enrollment feature requires a minimum 401(k) deferral of 4%.
Employee Contributions
Any contributions you make into the plan are pre-tax. Your deferrals and any earnings accumulated in the plan will be taxable to you at the time of withdrawal. Through payroll deduction, you can contribute from 4% up to 60% of your salary pretax as long as the amount does not exceed $23,000, which is the maximum limit set by the Internal Revenue Service (IRS) for 2024.
Catch-up Contributions
If you are age 50 or older, you are entitled to contribute an additional “catchup contribution” beyond the maximum IRS limit of $23,500. The maximum catch-up contribution for 2025 is $7,500 for employees aged 50-59 OR 64 and older, and $11,250 for employees aged 60-63.
Section 603 of the SECURE 2.0 Act of 2022 requires that, effective January 1, 2026, catch-up contributions must be made on a Roth basis for employees whose wages from the same employer (as defined for Social Security FICA wages) were greater than $150,000* in the preceding calendar year.
2026 IRS Contribution Limits
• $24,500
• $8,000 catch-up (ages 50-59 and 64+)
• $12,000 catch-up (ages 60-63)
Enrollment
You must enroll through Fidelity at www.fidelity.com or by calling (800) FID-ELITY.
Employer Contributions
Company contributions have been suspended. Please contact Human Resources with questions.
Vesting
You are always 100% vested in your own contributions. You are 100% vested in matching Company contributions after five years of service.
Vesting Schedule
1 year of service –
Paid Time Off
Holidays
We recognize the following paid holidays each year:
• New Year’s Day
• Good Friday
• Memorial Day
• Independence Day
• Labor Day
• Thanksgiving Day
• Day after Thanksgiving
• Christmas Eve
• Christmas Day
Holidays occurring on a Saturday will normally be observed on Friday and holidays occurring on a Sunday will normally be observed on Monday. Employees must have worked or be on an excused pay status the day immediately preceding and following the holiday to receive holiday pay. Employees on an “unpaid” status, Short-Term Disability or Long-Term Disability will not be paid for the holiday.
Paid Time Off (PTO)
The Company provides PTO, so that employees may have flexible paid time off from work that can be used for the purpose of rest, relaxation, and to attend to personal affairs. Accrual of PTO begins on the date of hire with the Company and may be taken upon completion of the 90-day orientation period. PTO must be requested at least one week in advance via the Paycom application. Please see the Employee Handbook for complete details.
Description Benefit
Important Contacts
Benefits Assistance
Higginbotham Employee Response Center 844-690-9642
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:
WN Global Human Resources
3303 W. 12th St Houston, Texas, 77008
713-230-2500
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 WN Global 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. WN Global has determined that the prescription drug coverage offered by the WN Global 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 WN Global 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 WN Global 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 reenroll 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 713-230-2500
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).
April 1, 2026
WN Global Human Resources 3303 W. 12th St Houston, Texas, 77008 713-230-2500
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 WN Global’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:
WN Global Human Resources 3303 W. 12th St Houston, Texas, 77008 713-230-2500
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 precertification 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.
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.
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 WN Global group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the WN Global 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
WN Global Human Resources 3303 W. 12th St Houston, Texas, 77008 713-230-2500
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 post-stabilization 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 (cost-sharing) 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 outof-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 employment-based coverage. Also, this employer contribution -as well as your employee contribution to employment-based 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 employmentbased health plan (such as an employer-sponsored 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-medicaidchip/ for more details.
How Can
I Get More Information?
For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Human Resources.
The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.
PART B: Information About Health Coverage Offered by Your Employer
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: WN Global
5. Employer Address: 3303 W. 12th St
7. City: Houston
4. Employer Identification Number (EIN): 83-3374882
6. Employer Phone Number: 713-230-2500
8. State: TX 9. ZIP Code: 77008
10. Who can we contact at this job?: Human Resources
11. Phone Number (if different from above):
12. E-Mail Address: agil@wn-global.com
As your employer, we offer a health plan to all eligible employees (see the Eligibility section of this guide). This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages.
1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.
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 WN Global 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. WN Global reserves the right to change or discontinue its employee benefits plans anytime.
