Take Time to review your benefit options and select the plans that best meet your needs.
Scan this flowcode for more information about your benefits.
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see page 22 for more details.
We know you work hard every day to achieve your personal and professional goals. Since your health and wellness are key to meeting these goals, we are pleased to offer a comprehensive benefits package that supports your health, mind, and body. May you always be Working Towards Wellness!
Read this guide to learn more about these and other benefits. You may only enroll for or make changes to your benefits during Open Enrollment (OE) or when you have a Qualifying Life Event (QLE) (see page 5).
Your New Benefits Begin: May 1, 2026
Availability of Summary Health Information
Your plan offers medical coverage options. To help you make an informed choice, review each plan’s Summary of Benefits and Coverage available from Human Resources.
Response Center
Eligibility
Who is Eligible for Benefits
Eligibility
Enrollment
Coverage Begins
Regular, full-time employee
Working an average of 30 hours per week
Enroll by the deadline given by Human Resources
First of the month after completing 60 days of fulltime employment
Qualifying Life Events
Regular, full-time employee
Working an average of 30 hours per week
Enroll during OE
or when you have a QLE
OE: Start of the plan year
QLE: Ask Human Resources
Dependent(s)
Your legal spouse
Child(ren) under age 26 regardless of student, dependency, or marital status
Child(ren) over age 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
You must enroll the dependent(s) at OE or for a QLE
When covering dependents, you must enroll for and be on the same plans
Based on OE or QLE effective dates
You may only change coverage during the plan year if you have a QLE, such as:
Significant
in
How to Enroll
Enrolling in benefits is simple through UKG Ready.
How to Enroll
1. Log in to UKG Ready and navigate to My Benefits > Enrollment
There you will find an enrollment tile that allows you to review plan options and make your 2026 benefit elections. Click here to view your benefit elections in UKG Ready
2. You will be asked to verify your personal information, your dependents’ information, and your beneficiary information.
Select Add/Change to update information.
Once you’ve completed updating this information, select Next
When you’ve completed verifying and updating this information, select Save
3. Select a session.
Select, change, or decline coverage in each plan.
Choose your benefit option.
Select your dependents you would like to cover.
4. Once you’ve completed this section, you are ready to review and submit your elections.
Return to the applicable page to complete changes, as needed.
Choose Draft to continue the election later; or select Submit to complete your elections now.
If you have completed and reviewed your elections, select OK, and the Confirmation page appears.
Print a summary of your elections.
5. Select Close
the
you have questions about your benefits (see page 4).
Medical Coverage
Medical Provider:
Blue
Preferred Provider Organization
A Preferred Provider Organization (PPO) allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other network services are covered at the deductible and coinsurance level.
You have a choice of three medical plans:
$1,500 Gold – This PPO plan has a $1,500 Individual and a $4,500 Family in-network deductible.
$3,500 Silver – This PPO plan has a $3,500 Individual and a $10,500 Family in-network deductible.
$6,000 Bronze – This PPO plan has a $6,000 Individual and a $12,000 Family in-network deductible.
Medical Benefits Summary
1
Louisiana Blue Resources
Louisiana Blue Member Website
Louisiana Blue offers a secure member website where you can:
Check claim status or history
Confirm dependent eligibility
Print Explanation of Benefits (EOB) forms
Locate in-network providers
Print or request an ID card
Review your plan benefits
Price medications
Register for an Online Account
1. Go to www.lablue.com/welcome
2. Enter the member ID from your Louisiana Blue ID card.
3. Enter your PIN. If you do not have your PIN, call Customer Service at 800-821-2753
4. Click Next and complete the activation. Visit https://my.lablue.com to learn more.
Mobile App
Download the MyLABlue app to have quick access to your medical plan information. Note: Activation services and prescription pricing are only available at https://my.lablue.com
Save on Medical Costs
SmartShopper makes health care costs easier to find and understand, so you make more informed decisions about your care.
Shop and save on medical procedures – based on price, location, and facility. Note: Some facilities displayed are out-of-network. Call 866-832-2436 to confirm which providers are in-network.
Compare and save on your out-of-pocket costs –the lower the cost of the procedure, the less you may pay up front and out of your own pocket to cover deductibles or coinsurance.
Register at https://bcbsla.smartshopper.com with your member ID card number.
Save on Prescription Costs
Rx Solutions uses software connected to your health plan to help you look at medications and find options that may save you money. Your account shows you lower-cost prescriptions available and lets you compare prices.
Notify you if you are spending too much on a prescription.
Consult with your doctor for you to get approval for a change.
To register, call 800-266-4476 or visit www.bcbsla.com/rxss. Questions? Call or email support@rxsavinssolutions.com
Louisiana Blue Wellness
Gym Discount
With Active&Fit Direct, a standard gym membership is only $28 a month. Get 20-70% off a premium exercise studio. Enrollment is free with the code FITNESSFIRST There are no long-term contracts, and there are no fees to cancel. Create a free account and get instant access to 13,000+ on-demand workout videos. Get started at www.blue365deals.com/lablue
Wellness Discounts
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. Sign up at www.blue365deals.com/lablue/ to receive weekly featured deals by email. Discount categories include:
EyeMed | LasikPlus – Eyewear and LASIK
TruHearing | Beltone – Hearing aids and tests
Philips Sonicare – Oral care products
Dental Solutions – Dental discount card
Jenny Craig | Sunbasket – Weight loss and nutrition
Reebok | SKECHERS – Work footwear
Mental Health Program
New Directions Behavioral Health Program offers support and specialty services for depression, anxiety, substance abuse, ADHD, autism, bipolar disorder, schizophrenia, and more. Visit www.ndbh.com/resources to access selfhelp and screening tools and find community resources. Call the number on the back of your Member ID card and get 24/7 access to licensed clinicians to help you:
Understand your mental health needs and how you can benefit from care
Locate in-network providers, specialty doctors, and treatment facilities
Connect with people and groups in your community that can support you
Coordinate with your doctors to help you achieve your health goals
Behavioral Health Program
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.
Telemedicine
Allows 24/7/365 access to boardcertified doctors from your mobile phone or computer.
Your medical coverage offers telemedicine services through Louisiana Blue. Connect with a board-certified doctor anytime, day or night, via your mobile device or computer, for free or at a cost equal to or less than a visit to your regular physician.
While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
Have a non-emergency issue and are considering an after hours health care clinic, urgent care clinic, or emergency room for treatment
Are on a business trip, vacation, or away from home
Are unable to see your primary care physician
When to Use Telemedicine
Use telemedicine for minor conditions such as:
Sore throat
Headache
Stomachache
Cold/Flu
Mental health issues
Allergies
Fever
Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Finding Care is Easy
Register with Louisiana Blue so you are ready to use this valuable service when and where you need it.
Visit www.lablue.com/telehealth
Download the MyLABlue app
Did You Know?
Your regular provider may offer telemedicine services, so it is best to ask now and know what your options are before you need care. Costs may differ from Louisiana Blue services.
Health Care Options
Becoming familiar with your options for medical care can save you time and money.
Health Care Provider
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
Office hours vary
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
Retail Clinic
Hours vary based on store hours
When you need immediate attention; walk-in basis is usually accepted
Generally includes evening, weekend, and holiday hours
Urgent Care
Emergency Care
Hospital ER
Freestanding ER
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
24 hours a day, 7 days a week
Allergies
Cough/cold/flu
Rash
Stomachache
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
Chest pain
Difficulty breathing
Severe bleeding
Blurred or sudden loss of vision
Major broken bones
Most major injuries except trauma
Severe pain
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.
Dental Coverage
Helps maintain fresh breath, healthy gums and teeth, and other dental work.
DPPO Plan
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.
Vision Coverage
Life and AD&D Insurance
Provides your loved ones with a financial safety net after your death and/or after an accident that causes loss of life, limb, or function.
Life and Accidental Death and Dismemberment (AD&D) insurance through Equitable 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 45% 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 $25,000 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
Spouse
Child(ren)
Voluntary Life and AD&D
$10,000 to $250,000 in $10,000 increments, not to exceed five times employee’s Basic Annual Earnings
Guaranteed Issue $100,000
$5,000 to $125,000 in $5,000 increments, not to exceed 50% of employee amount
Spouse guaranteed Isuue is $50,000
Birth to 14 days - $500 15 days to age 26 - $10,000
Spouse rate is based on employee’s/spouse’s age.
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
Provides partial income protection if you are unable to work due to a covered accident or illness.
We provide Short Term Disability (STD) and Long Term Disability (LTD) for you to purchase through Equitable
Voluntary 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 jobrelated, it is considered workers’ compensation, not STD.
Voluntary Short Term Disability
If you were temporarily unable to work, would you be able to cover your bills?
Voluntary 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.
Voluntary Long Term Disability Benefits
Supplemental Benefits
Complements our traditional health care programs and pays you directly for unexpected health care costs.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details.
Protect Your Savings
Health insurance covers medical bills, but if you have an emergency or accident, you may have a lot of unexpected out-of-pocket costs to pay. Protect your savings with additional coverage from Equitable
BEWELL BENEFIT
Each covered member can also receive $50 per year for completing a wellness screening with your doctor.
Supplemental Benefits
Critical Illness Insurance
Critical Illness insurance helps pay the cost of nonmedical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. See the plan document for full details.
BEWELL BENEFIT
Each covered member can also receive $50 per year for completing a wellness screening with your doctor.
Parkinson’s disease; ALS (Lou Gehrig’s disease); Alzheimer’s disease; benign brain tumor; cerebral palsy; cancer; Down syndrome; heart attack; heart failure; major organ failure; loss of speech or hearing; burns; stroke
401(k) Retirement Program
Helps you be more financially secure in your retirement.
How the Retirement Plan Works
You are eligible to participate in the plan if you are 18 years of age and have 90 days of service with the company. You may contribute up to the IRS limit.
You decide how much you want to contribute and can change your contribution amount anytime. All changes are effective as soon as administratively feasible and remain in effect until you update or stop your contributions. You also decide how to invest the assets in your account and may change your investment choices anytime. For more details, refer to your 401(k) Enrollment Guide or contact John Hancock at 855-543-6765
401(k) Administrator
John Hancock
Enrollment
You must enroll by contacting John Hancock:
Visit myplan.johnhancock.com
Call 855-543-6765
Contract number: 153837
Your Enrollment Access Number: 018125
Vesting
You are always 100% vested in your own contributions. You are 100% vested in matching company contributions after five years of service.
Investment Options
You may direct your contributions to any of the investments offered within the company 401(k) plan. Changes to your investments can be made by calling 855-543-6765
New 401(k) Loan Option
Available!
We’re excited to announce that our 401(k) plan now includes the option to take out a loan against your balance. This allows you to access funds when needed while continuing to invest in your future. Loan amounts, repayment terms, and eligibility will be based on plan guidelines. For more details, please refer to the plan documents or contact Human Resources.
Employee Assistance Program
Relationships
Employee Biweekly Contributions
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: CNC Oilfield Services, LLC Human Resources 503 Park Rd Frierson, LA 71027 318-584-7099
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 CNC Oilfield Services, LLC 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.
Important Notices
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. CNC Oilfield Services, LLC has determined that the prescription drug coverage offered by the CNC Oilfield Services, LLC 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 CNC Oilfield Services, LLC 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 CNC Oilfield Services, LLC 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 318-584-7099.
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 (1-800633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800-325-0778.
Important Notices
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
CNC Oilfield Services, LLC
Human Resources
503 Park Rd
Frierson, LA 71027
318-584-7099
Notice of HIPAA Privacy Practices
This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan – whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by CNC Oilfield Services, LLC, hereinafter referred to as the plan sponsor.
The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.
You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.
Complaints:
If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.
CNC Oilfield Services, LLC
Human Resources 503 Park Rd Frierson, LA 71027
318-584-7099
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www. healthcare.gov
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
Important Notices
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 1-866-444EBSA (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 CNC Oilfield Services, LLC group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the CNC Oilfield Services, LLC 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
CNC Oilfield Services, LLC Human Resources 503 Park Rd Frierson, LA 71027 318-584-7099
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network 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.
Important Notices
“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-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these 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 costsharing 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-of-network providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-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.
Important Notices
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 employmentbased 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.
Important Notices
When Can I Enroll in Health Insurance Coverage through the Marketplace?
You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.
Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.
There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP
agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.
Marketplace-eligible individuals who live in states served by HealthCare. gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit www.HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325
What about Alternatives to Marketplace Health Insurance Coverage?
If you or your family are eligible for coverage in an employment-based health plan (such as an employersponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan. Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www. healthcare.gov/medicaid-chip/ getting-medicaid-chip/ for more details.
Important Notices
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: CNC Oilfield Services, LLC
4. Employer Identification Number (EIN): 46-3048840
5. Employer Address: 503 Park Road, Frierson, LA 71027
6. Employer Phone Number: 318-584-7099
7. City: Frierson
8. State: LA 9. ZIP Code: 71027
10. Who can we contact at this job?: Heather Smith
11. Phone Number (if different from above): 318-584-7099 ext 234
12. E-Mail Address: h.smith@cncoilfield.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/irsdrop/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 CNC Oilfield Services, LLC 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. CNC Oilfield Services, LLC reserves the right to change or discontinue its employee benefits plans anytime.
