We are pleased to offer a comprehensive benefits package to help protect your well-being and financial health. Read this guide to learn about the benefits available to you and your eligible dependents starting May 1, 2026.
Each year during Open Enrollment (OE), you may make changes to your benefit plans. The benefit choices you make this year will remain in effect through April 30, 2027. Take time to review these benefit options and select the plans that best meet your needs. After OE, you may only make changes to your benefit elections if you have a Qualifying Life Event (QLE).
Important Contacts
Eligibility and Enrollment
You are eligible for benefits if you are a regular, full-time employee working an average of 30 or more hours per week. Your coverage is effective on the first of the month following your date of full-time employment. You may also enroll eligible dependents for benefits coverage. The cost for coverage depends on the number of dependents you enroll and the benefits you choose. When covering dependents, you must select and be on the same plans.
COVERED INDIVIDUAL
Employee
Your Legally Married Spouse Child(ren) to age 26
Eligible Dependents
■ Your legal spouse
ELIGIBLE COVERAGE
Medical
Dental
Vision
Base Life and AD&D
Voluntary Life and AD&D
Short Term Disability
Voluntary Long Term Disability
Accident and Critical Illness
Medical
Dental
Vision
Voluntary Life and AD&D
Accident and Critical Illness
■ Children under the age of 26 regardless of student, dependency, or marital status (with the exception of Voluntary Life insurance)
■ Children over the age of 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
Qualifying Life Events
Your benefit elections remain in effect for the entire plan year until the following OE. You may only change coverage during the plan year if you have a QLE such as marriage, divorce, birth, or adoption, loss of other coverage, etc. You must notify Human Resources within 30 days if any of these events occur. Contact Human Resources for a full list of QLEs.
Availability of Summary Health Information
Your benefits program offers three medical plan coverage options. To help you make an informed choice and compare your options, a Summary of Benefits and Coverage (SBC) has been provided for each plan and is available by contacting Human Resources.
Online Enrollment Instructions
To begin, go to www.benefitsinhand.com First-time users, follow steps 1-4. Returning users, log in and start at step 5.
1. If this is your first time to log in, click on the New User Registration link. Once you register, you will use your username and password to log in.
2. Enter your personal information and identifier of LivTech and click Next
3. Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish
4. If you used an email address as your username, you will receive a validation email to that address. You may now log in to the system.
5. Click the Start Enrollment button to begin the enrollment process.
6. Confirm or update your personal information and click Save & Continue
7. Edit or add dependents who need to be covered on your benefits. Once all dependents are listed, click Save & Continue
8. Follow the steps on the screen for each benefit to make your selection. Please notice there is an option to decline coverage. If you wish to decline, click the Don’t want this benefit? button and select the reason for declining.
9. Once you have elected or declined all benefits, you will see a summary of your selections. Click the Click to Sign button. Your enrollment will not be complete until you click the Click to Sign button.
Have questions about your benefits or need help enrolling? Call or text the Employee Response Center at 866-419-3518. Bilingual benefits experts are available Monday through Friday, 7:00 a.m. – 6:00 p.m. CT.
Blue Access for Members
Blue Access for Members (BAM) is the secure BCBST member website. Using this website you can:
■ Check the status of your claims and your claim history
■ Confirm which family members are covered under your plan
■ View and print Explanation of Benefits (EOB) claims statements
■ Locate an in-network provider
■ Request a new or replacement member ID card or print a temporary member ID card
■ And much more
To get started, log on to www.bcbst.com. Use the information on your BCBST ID card to complete the registration process.
HealthCare Cost Estimator
Log in to BAM any time to find estimated expenses for more than 1,400 common procedures with the HealthCare Cost Estimator. Use it to compare providers and facilities, see how other members rated them, and save money.
Mobile App
The BCBST app can help you stay organized and in control of your health anytime, anywhere. Log in from your mobile device to access your BAM account, including:
■ Track account balances and deductibles
■ Access ID card information
■ Find doctors, dentists, and pharmacies
Medical Coverage
The medical plan options through BlueCross BlueShield of Tennessee (BCBST) protect you and your family from major financial hardship in the event of illness or injury. You have a choice of three plans:
■ Option 1: CDHP with HSA – This plan is a Consumer Directed Health Plan (CDHP). It has the lowest premium and can be paired with a Health Savings Account (HSA).
■ Option 2: Value PPO Plan – This is a Traditional plan, with copays for office visits and prescription drugs. Because it has a higher deductible and out-of-pocket maximum, it has a lower premium compared to Option 3.
■ Option 3: Traditional PPO Plan – This Traditional plan offers the highest level of benefits, but also has the highest premium.
Preferred Provider Organization
Our Preferred Provider Organization (PPO) plans allow you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other in-network services are covered at the coinsurance level.
Consumer Directed Health Plan
Our Consumer Directed Health Plan (CDHP) allows you to see any provider when you need care, but you will pay less for care when you go to in-network providers. In exchange for a lower per-paycheck cost for medical benefits, your deductible will apply to almost all health care expenses, including prescription drugs not on the BCBST Preventive Drug List. However, once you meet your plan deductible, the plan pays 50% for health care and prescription drug expenses. If you enroll in the CDHP, you may be eligible for the Health Savings Account (HSA) to pay for and manage eligible health care expenses (see page 9).
Find an In-network Provider
All of our medical plans include the BlueCard PPO national provider network. Call 800-565-9140 or visit www.bcbst.com and select Find a Provider then select BlueCard PPO
Medical Coverage
Medical Benefits Summary
Prescription Drugs – Retail
Up to a 30-day supply
Preferred generic
Non-preferred generic
Preferred brand name
Non-preferred
Prescription Drugs – Mail Order
Up to a 90-day supply
Preferred generic
Non-preferred generic
Preferred brand name
Non-preferred brand name
Prescription Drugs – Specialty
Non-preferred
1 The amount you pay after the deductible is met.
Registration is Easy
Register with Teladoc now so you are ready to use this valuable service when and where you need it.
■ Visit – www.teladoc.com
■ Call – 800-TELADOC
■ Download – Teladoc app
BCBS Nurseline
Because illnesses, injuries, and health questions come up at all hours of the day and night, registered nurses are available to you 24/7 at no charge. They can help you by talking about your symptoms, giving general health information, providing education and support, and helping you make decisions if you are facing surgery or other treatments. Call the Nurseline at 800-818-8581, or log in to www.bcbst.com to chat with a nurse online.
Telemedicine
If you are covered on a LivTech medical plan, the Teladoc telemedicine service is available to you.
Connect anytime day or night with a board-certified doctor via your mobile device or computer for less than or about the same cost as seeing your regular doctor. Teladoc providers can even prescribe medications and have them sent to your local pharmacy.
Be sure to select Blue Cross Blue Shield as your insurance carrier when you register and use Teladoc. Only employees and dependents who are enrolled in the medical plans through Livtech can enroll in Teladoc.
When to Use Teladoc
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
Use telemedicine services for common conditions such as:
■ Sore throat
■ Headache
■ Stomachache
■ Cold and flu
■ Allergies
■ Ear infections
■ Fever
■ Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Health Care Options
Becoming familiar with your options for medical care can save you time and money.
Non-Emergency Care
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
TELADOC
24 hours a day, 7 days a week
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
DOCTOR’S OFFICE
RETAIL CLINIC
Office hours vary
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
Hours vary based on store hours
■ Allergies
■ Cough/cold/flu
■ Rash
■ Stomachache
URGENT CARE
Emergency Care
HOSPITAL ER
When you need immediate attention; walk-in basis is usually accepted
Generally includes evening, weekend, and holiday hours
■ Infections
■ Sore and strep throat
■ Vaccinations
■ Minor injuries/sprains/strains
■ Common infections
■ Minor injuries
■ Pregnancy tests
■ Vaccinations
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
■ 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.
How the HRA Works with the Option 2: Value PPO Plan
■ Total deductible is $6,850
■ You are responsible for the first $5,000 of deductible expense
■ LivTech, using the HRA, pays the last $1,850 of deductible expense
■ You have now met your annual in-network deductible and out-ofpocket maximum
■ HRA claims are processed automatically, with funds paid directly to health care providers
■ HRA benefit is doubled if you cover dependents
How the HRA Works with the Option 3: Traditional PPO Plan
■ Total deductible is $5,000
■ You are responsible for the first $3,000 of deductible expense
■ LivTech, using the HRA, pays the last $2,000 of deductible expense
■ You are then responsible for 50% coinsurance up to the annual out-ofpocket maximum
■ HRA claims are processed automatically, with funds paid directly to health care providers
■ HRA benefit is doubled if you cover dependents
Health Reimbursement Arrangement
LivTech utilizes an HRA to help offset your out-of-pocket health care costs. An HRA is an employer-funded account provided for you if you enroll in either the Option 2: Value PPO Plan or the Option 3: Traditional PPO Plan. BCBST administers our HRA.
How the HRA Works
■ Your HRA is funded through LivTech’s contributions.
■ You must be enrolled in either the Option 2: Value PPO Plan or Option 3: Traditional PPO Plan.
■ HRA benefits are applied automatically to assist plan members with a portion of their deductible expense. HRA benefits are paid directly to your medical provider.
Review your plan documents for full details.
How an HRA Can Work for You and/or Your Family
LivTech will assist you with your in-network deductible expenses if you are covered under the Value PPO Plan or the Traditional PPO Plan.
■ With Option 2 – You are responsible for the first $5,000 of in-network deductible cost. Once you reach $5,000, the LivTech HRA will pay the remaining $1,850 in deductible cost. When this occurs, you will have reached your annual deductible and out-of-pocket maximum.
■ With Option 3 – You are responsible for the first $3,000 of in-network deductible cost. Once you reach $3,000, the LivTech HRA will pay the remaining $2,000 in deductible cost. When this occurs, you will only be responsible for your coinsurance up to the annual out-of-pocket maximum.
HRA benefits are doubled for those with dependent coverage.
Submitting a Claim
The HRA claims process happens automatically so there is no action required on your part. BCBST applies HRA funds to your claims as soon as the first $5,000 of the deductible has been met on the Option 2 plan, or the first $3,000 has been met on the Option 3 plan.
HRA benefits reset each year on January 1. Plan deductibles and outof-pocket maximums also reset at this time.
Health Savings Account
An HSA is more than a way to help you and your family cover current medical costs — it is also a tax-exempt tool to supplement your retirement savings and to cover future health costs.
As a type of personal savings account that is always yours even if you change health plans or jobs, the money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for current or future qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. Funds in the account automatically roll over year-after-year.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
■ Enrolled in an HSA-eligible plan (CDHP Option 1: CDHP with HSA )
■ Not covered by another plan that is not a qualified CDHP such as your spouse’s health plan
■ Not enrolled in a Health Care Flexible Spending Account (FSA)
■ Not eligible to be claimed as a dependent on someone else’s tax return
■ Not enrolled in Medicare, Medicaid, or TRICARE
■ Not receiving Veterans Administration benefits
You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered by the CDHP.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the IRS. The annual contribution maximum for 2025 is based on the coverage option you elect:
■ Individual – $4,400
■ Family (filing jointly) – $8,750
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are age 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at anytime during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
Opening an HSA
If you meet the eligibility requirements, an account will automatically be opened for you with HealthEquity. You will receive a debit card to manage your HSA reimbursements. Keep in mind, available funds are limited to the balance in your HSA.
Important HSA Information
■ Always ask your health care provider to file claims with your medical provider so network discounts can be applied. You can pay the provider with your HSA debit card based on the balance due after discount.
■ You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
■ You may open an HSA at the financial institution of your choice, but only accounts opened through HealthEquity are eligible for automatic payroll deduction.
Manage Your Account
Visit https://my.healthequity.com for information and resources to help you manage your HSA.
■ View account balances, contributions, and other plan information
■ Update your personal information
■ Look up qualified expenses
■ Check claims
Exclusive Member Discounts
The Blue365 member discount program makes healthy choices more affordable. It offers discounts from local and national retailers on apparel and footwear, fitness, hearing and vision, home and family, nutrition, personal care, and travel. Look for deals by logging in to www.bcbst.com/memberdiscounts
BCBST Resources
Member Wellness Center
Use the Member Wellness Center at www.bcbst.com to take your Personal Health Assessment, then monitor your stress level, nutrition, weight, exercise, and more with a health tracker. You can sync your nutrition and fitness apps and devices, view your biometric screening results, and communicate with your health coach. Download the AlwaysOn app to access these tools and features right from your smartphone.
Lifestyle Health Coaching
Work one-on-one with a coach to improve your health, lower your risk for long-term health conditions, and set and meet goals related to quitting tobacco, exercise, nutrition, weight management, blood pressure, stress, and cholesterol levels.
Work with your coach three ways:
■ Call 800-818-8581, ext. 3. Coaches are available Monday through Friday, 8:00 a.m. to 11:00 p.m. ET, and Saturday, 10:00 a.m. to 5:00 p.m. ET.
■ Use the Member Wellness Center in your www.bcbst.com account.
■ Use the AlwaysOn app.
Fitness Your Way
The BCBST exclusive low-cost fitness program for covered family members age 18 and older includes live and pre-recorded online fitness classes and more than 10,000 participating fitness locations. There’s just a one-time enrollment fee of $19 and monthly memberships from $19-$99, with no lengthy contract – only a three-month initial term. Get started by logging in at www.bcbst.com/memberdiscounts or call 888-242-2060, Monday through Friday, 9:00 a.m. to 6:00 p.m. ET.
Earn Rewards for Healthy Decisions
Earn up to $400 in gift cards each year through the BCBS rewards program. Get started by taking a free personal health assessment at www.bcbst.com/yourhealth. Earn rewards by getting a flu shot, having your annual wellness exams, tracking your daily steps, and more!
BCBST Resources
Chronic Care Management
Any adult member on your health plan can use Chronic Care Management , a personalized service to help manage these long-term conditions: coronary artery disease, diabetes, congestive heart failure, asthma, chronic obstructive pulmonary disease, and depression. Get one-on-one help from a care manager by using the free CareTN app or by calling 800-818-8581, ext. 4885
Case Management: Extra Support for Your Health
When you receive a health diagnosis, make sure you get the right care, in the right place, at the right time. Help is available so you can better understand your health problems, identify support tools and community resources, and develop a plan of care based on your doctor’s advice. To sign up, call 800-818-8581 and choose Case Management.
Diabetes Management Program
Livongo gives you a helping hand in living with diabetes. After registering, qualifying members receive a glucose meter that syncs to their phone, plus unlimited strips and lancets. You can also get insights and feedback based on blood sugar readings, track food and activity, and receive digital guidance and one-on-one coaching from certified professional coaches. You can work with Livongo in three ways:
■ Call 800-945-4355
■ Sign in to your www.bcbst.com account and select the Diabetes Management link under Managing Your Health.
■ Download the Livongo app
Healthy Maternit y
Connect with a maternity nurse, lactation counselor, and mental health specialist to get the help you need during and after pregnancy. When you sign up, you can expect personalized one-on-one support with setting up appointments, advice on getting the most out of your maternity benefits, access to an after-hours toll-free 24/7 Nurseline, postpartum support, and newborn education. Sign up and participate through the CareTN app or call 800-818-8581 and choose Case Management , then Healthy Maternit y.
Mental Health
Stress, substance misuse, depression, and anxiety can affect your overall health. If you or your family members are living with any of these or another mental health condition, BCBST can help with diagnoses, counseling, treatment programs, inpatient or outpatient services, and community resources. Reach out 24/7 by calling 800-818-8581, ext. 7859
You can also enroll in a confidential, eight-week digital behavioral health program administered by AbleTo and tailored to personal needs and goals. Talk one-on-one with a highly trained and compassionate therapist, coach, or both. For more information, visit www.ableto.com/bcbst
Health Library, Decision Support, and More
The Health Library on www.bcbst.com provides a convenient, one-stop resource for the information you need to support your well-being. You can find decisionmaking support, videos, interactive tools, and a symptom checker. Visit the Health Library by logging in to your BAM account.
Find an In-Network Dentist
Visit https://bcbst.sapphirecareselect.com and search under “Dental,” or call 800-565-9140
Dental Coverage
Our dental plans help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Coverage is provided through BCBST
DPPO Plans
BCBST uses the national DenteMax and GRID networks to ensure you have dental provider access throughout the country. When using an in-network provider, your out-of-pocket costs are reduced through negotiated discounts.
Our plans are structured so that even if you use an out-of-network dentist, the provider will still be reimbursed at a high level, minimizing the risk of being balance-billed (charged extra) by the provider. However, using an in-network dentist will always provide the lowest cost.
Both dental plans provide coverage for cleanings and minor and major restorative care. The Buy-up plan also includes orthodontia coverage for children up to age 18 and provides a maximum annual dental benefit of $1,500, compared to an annual maximum of $1,000 on the Base dental Plan.
Dental coverage is offered on a voluntary basis. You are not required to participate in medical coverage to enroll in dental benefits.
1Network dentist paid at PPO fee schedule; non network dentist paid at 80th percentile of Usual, Customary, and Reasonable (UCR) charges.
Vision Coverage
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but benefits are substantially reduced when using an out-of-network provider. BCBST vision coverage is provided through EyeMed , the largest vision network in the country. The network includes independent vision providers and national retailers such as LensCrafters, Pearle Vision, Target Optical, and Eyeglass World.
VISION PLAN
Vision
Lined bifocals
Lined trifocals
LASIK
Important FSA Rules
■ The maximum per plan year you can contribute to a Health Care or Limited Purpose Health Care FSA is $3,400. The maximum per plan year you can contribute to a Dependent Care FSA is $7,500 when filing jointly or head of household, and $3,750 when married filing separately.
■ You cannot change your election during the year unless you experience a QLE.
■ You can continue to file claims incurred during the plan year for another 60 days (up until June 30, 2027).
■ Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
■ The IRS has amended the “use it or lose it” rule to allow you to carry over up to $680 in your Health Care FSA into the next plan year. The carry-over rule does not apply to your Dependent Care FSA.
Flexible Spending Accounts
An FSA allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. We offer three different FSAs: two for health care expenses and one for dependent care expenses. HealthEquity administers our FSAs.
Health Care FSA
The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. You may contribute up to $3,400 annually to a Health Care FSA and you are entitled to the full election from day one of your plan year. Eligible expenses include:
■ Dental and vision expenses
■ Medical deductibles and coinsurance
■ Prescription copays
■ Hearing aids and batteries
You may not contribute to a Health Care FSA if you enrolled in Consumer Directed Health Plan (CDHP) and contribute to an HSA.
Limited Purpose Health Care FSA
A Limited Purpose Health Care FSA is available if you enrolled in the CDHP medical plan and contribute to an HSA. You can use a Limited Purpose Health Care FSA to pay for eligible out-of-pocket dental and vision expenses only, such as:
■ Dental and orthodontia care (e.g., fillings, X-rays, and braces)
■ Vision care (e.g., eyeglasses, contact lenses, and LASIK surgery)
How the Health Care and Limited Purpose Health Care FSAs Work
You can access the funds in your Health Care or Limited Purpose Health Care FSA two different ways:
■ Use your FSA debit card to pay for qualified expenses, doctor visits, and prescription copays.
■ Pay out-of-pocket and submit your receipts for reimbursement online at www.healthequity.com
Flexible Spending Accounts
Dependent Care FSA
The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full-time. You can use the account to pay for daycare or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents. Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.
Dependent Care FSA Guidelines
■ Overnight camps are not eligible for reimbursement (only day camps can be considered).
■ If your child turns 13 midyear, you may only request reimbursement for the part of the year when the child is under age 13.
■ You may request reimbursement for care of a spouse or dependent of any age who spends at least eight hours a day in your home and is mentally or physically incapable of self-care.
■ The dependent care provider cannot be your child under age 19 or anyone claimed as a dependent on your income taxes.
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%). You may change your beneficiary information at anytime in BenefitsInHand.
Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance through Lincoln Financial Group are important to financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by 35% at age 65, 60% at age 70, and 75% at age 75. Coverage terminates at retirement.
Basic Life and AD&D
LivTech provides Basic Life and AD&D insurance at no cost to you. You are automatically covered at $50,000 for each benefit.
Voluntary Life and AD&D
You may buy additional Life and AD&D insurance for you and your eligible dependents. You may buy up to $200,000 in coverage for you, up to $30,000 for your spouse, and up to $10,000 for dependent children with no medical underwriting when you are first eligible for this coverage. 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 and coverage may not be approved. You must elect Voluntary Life and AD&D coverage for yourself before you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.
Employee-only Life coverage amounts reduce to 65% of the original coverage amount at age 65; to 40% of the original coverage amount at age 70; to 25% of the original coverage amount at age 75; and to 10% of the original amount at age 80. Coverage terminates at retirement.
Spouse coverage reduces to 65% of the original amount when you reach age 65 and will terminate when you reach age 70 or retire, whichever comes first.
LIFE AND AD&D AVAILABLE COVERAGE
Increments of $10,000 up to $300,000
Employee
Spouse
Child(ren)
When first eligible – elect up to $200,000 with no medical underwriting
Increments of $10,000 up to $300,000, not to exceed 100% of employee amount
When first eligible – elect up to $30,000 with no medical underwriting
Birth to 14 days – not covered
14 days to six months - $1,000 – $10,000
Six months to age 26 - $10,000
Voluntary Life and AD&D Rates
coverage is only available if the employee is insured for voluntary coverage.
Calculate Your Rate
LTD benefits are equal to 60% of your pre-disability wages. Please see chart below to calculate your approximate LTD semimonthly premium.
Scan to calculate your premium online.
Disability Insurance
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness.
Short Term Disability
We provide Short Term Disability (STD) insurance at no cost to you through Lincoln Financial Group. STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to pregnancy or a non-work-related injury or illness. 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.
You are considered disabled if it is determined that due to your illness or injury, you are:
■ Unable to perform the material and substantial duties of your regular occupation.
■ Not working in any other occupation.
■ Under the regular care of a physician.
Voluntary Long Term Disability
LivTech offers Voluntary Long Term Disability (LTD) insurance for you to purchase through Lincoln Financial Group. Voluntary LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 180 days. Benefits begin at the end of an elimination period and continue while you are disabled up to age 65 or to Social Security Normal Retirement Age (SSNRA).
You are considered disabled if it is determined that due to an accident or illness, you are:
■ Limited from performing the material and substantial duties of your regular occupation
■ Under the regular care of a physician
After 24 months, the definition changes to any occupation you are reasonably suited for based on education and experience in which you can earn at least 66 2 /3% of your pre-disability income within 12 months of returning to work.
DISABILITY INSURANCE
1 Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months. Benefits are limited to 24 months for disability related to mental/nervous/substance abuse conditions and self-reported symptoms.
Supplemental Insurance
LivTech offers you and your eligible family members the opportunity to enroll in additional coverage that complements our traditional health care programs. Health insurance covers medical bills, but if you have an emergency, you may face unexpected out-of-pocket costs such as deductibles, coinsurance, travel expenses, and non-medical-related expenses. The plans are offered through Lincoln Financial Group
Group Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident that happens on or off the job. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductible, ambulance, physical therapy, and other costs not covered by traditional health plans. When a claim is paid, the funds are sent directly to you, the policyholder, to use as you see fit. See the benefit summary in BenefitsInHand for specific details.
GROUP ACCIDENT INSURANCE
Specific sum injuries
Dislocations, ruptured discs, eye injuries, fractures, lacerations, concussions, etc.
Wellness benefit
Annual physical, eye exam, dental cleaning, childhood immunizations, etc. $75 per benefit year per person Accidental Death & Dismemberment
You do not need to enroll in a LivTech medical plan to buy Accident or Critical Illness coverage. No medical underwriting is required.
Calculate Your Rate
Premiums for Critical Illness are based on your age and amount of coverage chosen. A spouse’s premium is based on your age. Premiums are calculated for you automatically in the BenefitsInHand online enrollment system.
50
Supplemental Insurance
Group Critical Illness Insurance
Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-oftown treatments, special diets, daily living, and household upkeep costs.
Employee
Spouse
Child(ren)
Increments of $5,000 up to $20,000; Coverage starts at $10,000
Guaranteed Issue: $20,000
Up to $15,000 (not to exceed 100% of employee benefit)
Guaranteed Issue: $15,000
Children are automatically covered at 25% of the employee elected amount at no additional cost
If one of these events occurs, the policy provides cash benefits as a percentage of the lump sum policy value:
Heart attack, stroke, invasive cancer, major organ transplant, ALS, advanced Alzheimer’s, advanced Parkinson’s Disease
of benefit amount
Carcinoma in Situ 25% of policy value
Additional Benefits
Arterial/vascular disease; severe traumatic brain injury; severe burns; permanent paralysis; childhood conditions
Health Screening Benefit
One per covered person per calendar year
Pre-existing condition limitation
25%-100% of policy value
$75
None
Additional Benefits
Employee Assistance Program
LivTech provides an Employee Assistance Program (EAP) to help you and family members cope with a variety of personal or work-related issues. All benefits-eligible employees have access to Lincoln Financial Group’s EAP, which provides confidential counseling and support services to improve your quality of life. Services include up to three sessions with an experienced and credentialed counselor per person, per issue, per year.
You also have 24/7 access to information on family matters and financial guidance, such as:
■ Family and relationships
■ Work/life balance
■ Stress and anxiety
■ Financial wellness
■ Grief and loss
Pet Insurance
■ Childcare and eldercare resources
■ Substance abuse
■ Legal assistance
You may buy Nationwide medical insurance for your pet(s) with after-tax payroll deductions.
The My Pet Protection (MPP) plan covers cats, dogs, birds, and exotic animals. The MPP plan offers a choice of reimbursement options (50% or 70%) so you can find coverage that best fits your budget. All plans have a $250 deductible and $7,500 maximum annual benefit.
See any veterinary professional for care and get discounts for multiple pets. Coverage includes:
■ Accidents
■ Illnesses
■ Surgeries and hospitalization
■ Hereditary and congenital conditions
■ Cancer
■ Dental diseases
■ Behavioral treatments
■ Therapeutic diets
■ And more
Every policy includes 24/7 access to veterinary experts by phone, chat, and email, and unlimited help for general to urgent care needs via VetHelpline. PetRXExpress is also included to save money on your pet’s prescriptions. Pre-existing conditions are not covered.
How To Enroll
You may enroll for pet coverage anytime during the year.
■ Visit https://benefits.petinsurance.com/livtech
■ Visit www.petsnationwide.com and enter LivTech when prompted
If you need guidance and assistance with legal consultation, family matters, or small claims court assistance, work with local plan attorneys through LegalShield. Protect your identity with IDShield
Legal Protection
Put a law firm in the palm of your hand with LegalShield. Get legal consultation on these types of issues:
■ Family matters (adoption, eldercare, juvenile court, prenuptial agreements)
■ Home (boundary or title disputes, deeds, foreclosure, mortgages)
■ Estate planning (probate, trusts, wills and codicils, living wills)
■ Auto (driver’s license restoration, moving traffic violations, motor vehicle property damage)
■ General (24/7 emergency access, document review, demand letters and phone calls on your behalf, consultations)
Identity Theft Protection
Millions of people have their identity stolen each year. IDShield provides identity theft protection and identity restoration services for you, your spouse, and up to 10 dependents in these areas:
■ Monitored information (email, phone, account numbers, names)
■ Privacy and security monitoring (internet and dark web, social media)
■ Comprehensive source monitoring (global black market, online chat rooms, social feeds)
■ Unlimited consultation (child identity theft, credit reports, data breaches)
■ Complete identity restoration ($1 million protection policy, unlimited service guarantee)
■ General (24/7 emergency access, alerts, access to licensed private investigators)
■ Financial account monitoring and a $1 million identity fraud protection plan
401(k)
LivTech offers a 401(k) retirement savings plan through Transamerica. The plan is managed by Sageview Advisory. Contributions to a 401(k) are a great way to plan and save for your retirement.
All LivTech employees are eligible to participate in the 401(k) the first of the month following a 60-day eligibility period. Annual contributions are limited to the yearly maximum as determined by the IRS.
To Enroll
Go to www.transamerica.com/portal/home to create an account and complete the enrollment. Allow about 45-60 minutes to complete your enrollment , which includes creating an account, confirming your elections, and naming your beneficiaries. A guide is available from Human Resources to expedite the process.
Employee Semimonthly Contributions
Required 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:
LivTech
Human Resources
2035 Lakeside Centre Way, Suite 190 Knoxville, TN 37922
865-248-3148
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 LivTech 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. LivTech has determined that the prescription drug coverage offered by the LivTech medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage. The HSA plan is not considered Creditable Coverage.
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 LivTech 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 LivTech 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 Phone
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.
Required Notices
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 877-4862048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www. socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800-325-0778
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty).
May 1, 2026 LivTech Human Resources 2035 Lakeside Centre Way, Suite 190 Knoxville, TN 37922
865-248-3148
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 LivTech , 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.
LivTech Human Resources 2035 Lakeside Centre Way, Suite 190 Knoxville, TN 37922
865-248-3148
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-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 employersponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272)
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 31, 2026. Contact your State for more information on eligibility.
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 LivTech group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the LivTech 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
LivTech
Human Resources
2035 Lakeside Centre Way, Suite 190 Knoxville, TN 37922 865-248-3148
Required Notices
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 outof-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-of-network provider.
You are protected from balance billing for:
■ Emergency services – If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
■ Certain services at an in-network hospital or ambulatory surgical center –When you get services from an 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-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-ofnetwork 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 out-of-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.
New
Health Insurance Marketplace Coverage Options and Your Health Coverage
PART A: General Information
Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace.
What is the Health Insurance Marketplace?
The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options in your geographic area.
Can I Save Money on my Health Insurance Premiums in the Marketplace?
You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings on your premium that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.
Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?
Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.1, 2
Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employmentbased coverage. Also, this employer contribution -as well as your employee contribution to 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
Required Notices
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 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-medicaid-chip/ for more details.
How Can I Get More Information?
For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Human Resources.
The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www. HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.
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: Livtech Purchaser, Inc
5. Employer Address: 2035 Lakeside Centre Way, STE 150
7. City: Knoxville
4. Employer Identification Number (EIN): 84-2647002
6. Employer Phone Number: (919) 270-3721
8. State: TN 9. ZIP Code: 37922
10. Who can we contact at this job?: Lori Graham
11. Phone Number (if different from above): 865-248-3148
12. E-Mail Address: Lori.Graham@livtech.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 LivTech 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. LivTech reserves the right to change or discontinue its benefits plans anytime.
