Zoee Gogonas, HR Director 512-953-2138
zoee@wwm-llc.com
Natalie Regan, HR Generalist 512-900-2544
natalie@wwm-llc.com
Samantha Woolley, Payroll Manager 512-254-5358
swoolley@wwm-llc.com
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 32 for more details.
We are pleased to offer you a comprehensive benefits package intended to protect your well-being and financial health. This guide is your opportunity to learn more about the benefits available to you and your eligible dependents beginning January 1, 2026
To get the best value from your health care plan, please take the time to evaluate your coverage options and determine which plans best meet your health care and financial needs. By being a wise consumer, you can support your health and maximize your health care dollars.
Each year during Enrollment (OE), you have the opportunity to make changes to your benefit plans. The enrollment decisions you make this year will remain in effect through December 31, 2026. You may make changes to your benefit elections only when you have a Qualifying Life Event (QLE). After such an event, you can make changes to your health care coverage within 30 days; otherwise, you cannot make changes to your benefits coverage until the next OE period.
Our employee 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) for each plan is available at www.benefitsinhand.com
Employee benefits can be complicated. The Higginbotham Employee Response Center (ERC) can assist you with the following:
Call or text 866-419-3518 to speak with a representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a message after 3:00 p.m. CT, your call or text will be returned the next business day.
Email questions or requests to helpline@higginbotham.net
Bilingual representatives are also available.
You are eligible for benefits if you are a regular, full-time employee working an average of 30 hours per week. Your coverage is effective on the date of hire. 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 all be on the same plan.
6 Your legal spouse
6 Children under the age of 26 regardless of student, dependency, or marital status
6 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
6 FMLA event, COBRA event, judgment, or decree
6 Becoming eligible for Medicare, Medicaid, or TRICARE
6 Receiving a Qualified Medical Child Support Order
Once you make your benefit elections, they remain in effect for the entire plan year until the following OE. You may only change coverage during the plan year if you have a QLE, some of which include:
6 Marriage, divorce, legal separation, or annulment
6 Birth, adoption, or placement for adoption of an eligible child
6 Death of your spouse or child
6 Change in your spouse’s employment status that affects benefits eligibility
6 Change in your child’s eligibility for benefits
6 Significant change in benefit plan coverage for you, your spouse, or your child
6 FMLA leave, COBRA event, judgment, or decree
6 Becoming eligible for Medicare, Medicaid, or Tricare
6 Receiving a Qualified Medical Child Support Order
If you have a QLE and want to change your elections, you must notify Human Resources and complete your changes within 30 days of the event. You may be asked to provide documentation to support the change. Contact Human Resources for specific details.
1. Select New User Registration
2. Enter your first name, last name, company identifier, last four digits of your SSN, and date of birth. Your company identifier is 174513
3. Update your personal information and add your dependents.
4. Complete the enrollment for each plan section.
5. Remember to specify your beneficiaries for your Life insurance plan.
6. Review your enrollment summary and complete your enrollment by selecting the Click to Sign button.
Have questions about your benefits or need help enrolling? Call or text the ERC at 866-419-3518. English and Spanish speaking representatives are available to take your call or text Monday through Friday 7:00 a.m. to 6:00 p.m. CT. You can also email your questions or requests to helpline@higginbotham.net. Bilingual representatives are available.
1. Log in to BenefitsInHand using your username and password.
2. From your dashboard, click on Life Events
3. You can select from the options to Add Coverage or Drop Coverage
4. Once you make an event selection, you’ll enter the date of the event.
5. If applicable to the requested change, you will have the option to select an existing dependent or add a new one.
6. Follow the remaining prompts to complete your request.
You will need to reach out to Human Resources to provide any supporting documentation that may be needed. Contact:
Zoee Gogonas, HR Director 512-953-2138 zoee@wwm-llc.com Natalie Regan, HR Generalist 512-900-2544 natalie@wwm-llc.com
WhiteWater offers three medical plans, provided by Blue Cross Blue Shield of Texas (BCBSTX). All plans allow access to both in-network and out-of-network providers, but you will get better discounts and pay less money by remaining in-network. All out-ofnetwork services are subject to the Reasonable and Customary (R&C) allowance, and you are responsible for all charges over this allowance.
6 Copay 1000
6 Copay 2500
The copay options offer the freedom to see any provider when you need care. When you use providers from within the BCBSTX Blue Choice PPO network, you receive benefits at the discounted network cost. If you use out-of-network providers, you will pay more for services.
When utilizing the plan for day-to-day services, you will pay a copay for services such as doctor’s office visits or prescription drugs.
6 HDHP 3400
The High Deductible Health Plan (HDHP) is similar to the copay plans in that you have access to the same in-network providers within the BCBSTX Blue Choice PPO network. However, in exchange for a lower perpaycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. Once your deductible has been met, care will be covered by the plan and you will continue to pay a prescription copay until your out-of-pocket maximum is met, then the plan pays 100%. If you use out-of-network providers, you will pay more for services.
1
Your medical coverage offers telemedicine services through MDLIVE . Connect anytime day or night with a board-certified doctor via your mobile device or computer for the same or lower cost 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:
6 Have a non-emergency issue and are considering an after-hours health care clinic, urgent care clinic, or emergency room for treatment
6 Are on a business trip, vacation, or away from home
6 Are unable to see your primary care physician
Use telemedicine for minor conditions such as:
6 Sore throat
6 Headache
6 Stomachache
6 Cold/Flu
6 Allergies
6 Fever
6 Urinary tract infections Registration is Easy
6 Visit www.mdlive.com/bcbstx
6 Call 888-680-8646
6 Download the MDLIVE app
Becoming familiar with your options for medical care can save you time and money.
NON-EMERGENCY CARE
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed
TELEMEDICINE
24 hours a day, 7 days a week
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
DOCTOR’S OFFICE
RETAIL CLINIC
Office hours vary
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies
Hours vary based on store hours
When you need immediate attention; walk-in basis is usually accepted
URGENT CARE
EMERGENCY CARE
Generally includes evening, weekend, and holiday hours
• Allergies
• Cough/cold/flu
• Rash
• Stomach ache
• 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
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
• Chest pain
• Difficulty breathing
• Severe bleeding
• Blurred or sudden loss of vision
• Major broken bones
• Most major injuries except trauma
• Severe pain
2-5 minutes
15-20 minutes
15 minutes
15-30 minutes
4+ hours
Minimal
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.
When you need quick, convenient, and affordable treatment for common illnesses but your doctor’s office is not open or you need to be seen quickly, urgent care clinics provide simple, non-emergency services to walk-in patients. The nurse practitioners and physician assistants who staff the clinics are certified, licensed health care professionals and are qualified to:
Urgent care clinics may not be available inside all retail store partners. Check your area for locations.
1The amount you pay after the deductible is met.
The cost of treating MOST common medical conditions can be up to five times greater in the emergency room than in a physician’s office or an urgent care center. Also, persons experiencing a situation requiring prompt medical attention that is not life-threatening may receive faster care at a convenient care clinic or urgent care clinic, or by scheduling a same-day appointment with their primary care physician, if available.
Your out-of-pocket costs are much lower in a non-emergency setting.
If you enroll in the HDHP, you are eligible to open a Health Savings Account (HSA). An HSA is a personal savings account which you can use to pay qualified out-of-pocket medical expenses with pre-tax dollars. You own and control the money in your HSA. The money in your account (including interest and investment earnings) grows taxfree, and as long as the funds are used to pay for qualified medical expenses, they are spent tax-free.
Unlike a Flexible Spending Account (FSA), there is no “use-it-or-lose-it” rule — you do not lose your money if you don’t spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account will automatically roll over year-after-year. Since it is an individual account, if you change health plans or jobs, the balance is yours to keep.
You are eligible to open and contribute to an HSA if you:
6 Are enrolled in an HSA-eligible HDHP
6 Are not covered by another non-HDHP, such as your spouse’s health plan, Health Care FSA, or Health Reimbursement Arrangement
6 Are not eligible to be claimed as a dependent on someone else’s tax return
6 Are not eligible for Medicare, Medicaid, or TRICARE
6 Have not received Veterans Administration benefits
You can use the money in your HSA to pay for qualified medical expenses now or in the future. Your HSA can be used for your expenses and those of your spouse and dependents, even if they are not covered by the HDHP.
Your contributions to your HSA may not exceed the annual maximum amount established by the IRS. The annual contribution maximum for 2026 is based on the coverage option you elect.
6 Individual $4,400
6 Family $8,750
Employees age 55 or older are allowed to make an additional annual catch-up contribution of up to $1,000.
Once you enroll in the HDHP medical plan, you are eligible to enroll in the HSA administered by Optum Bank . Your contributions will be pre-tax payroll deductions.
Once you are enrolled, you will receive a debit card from Optum Bank for managing your HSA account reimbursements. Funds available for reimbursement are limited to the balance in your HSA. To view your account information, go to www.optumbank.com
You, NOT your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
Please note: You may open an HSA at any financial institution of your choice. However, pre-tax payroll deductions are available only for an HSA opened through Optum Bank.
Blue Access for Members (BAM) is the secure BCBSTX member website where you can:
6 Check claim status or history
6 Confirm dependent eligibility
6 Sign up for electronic Explanation of Benefits statements
6 Locate in-network providers
6 Print or request an ID card
6 Review your benefits
6 Get tips to live and eat healthier Register for an account at www.bcbstx.com
The BCBSTX mobile 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 to:
6 Track account balances and deductibles
6 Access ID card information
6 Find doctors, dentists, and pharmacies
Call 800-581-0368 for immediate access to registered nurses who can answer general health questions, make appointments with your doctor, and help determine where to go for immediate or emergency health care services. You can also access an audio library of more than 1,000 health-related topics in both English and Spanish.
Member Rewards offers you cash rewards when you use the Provider Finder tool to choose the lower-cost, quality option for your health care.
6 Visit www.bcbstx.com, register, or log in to BAM and select Find Care
6 Shop and compare costs and quality for screenings, scans, surgeries, and more.
6 Get the procedure or service at a reward-eligible location.
6 Receive a cash reward by check, mailed directly to your home, after the claim is paid and the location is verified as reward-eligible.
If you are at risk for diabetes and/or high blood pressure, Omada helps you change the habits that put you most at risk for developing a chronic condition. A virtual care team will work with you to create a program to reduce your risk and build healthy habits. If you have any health claims that show you may be at risk for diabetes or high blood pressure, Omada will reach out to you directly. Visit www.omadahealth.com/bcbstx for details.
Teladoc Health offers digital solution programs to help you manage chronic diabetes and high blood pressure (hypertension). Participation is FREE and available to you and your family members.
6 Diabetes Management Program – Support managing type 1 and type 2 diabetes.
6 High Blood Pressure Management Program –Support and tips to manage your blood pressure. Participation is Easy!
Visit https://teladochealth.com/go/bcbstx-health or call 800-835-2362 . Use registration code BCBSTXHEALTH when prompted.
If you suffer from constant back and joint pain, Hinge Health can help without prescription drugs or surgery. Get personal therapy, unlimited support, a computer tablet, and wearable sensors — all for free! To learn more and apply, visit www.hingehealth.com/bcbstx
If you would like to lose weight and change how your body stores and uses energy, Wondr may be right for you. Wondr is a 100% digital weight loss program that teaches you how to eat your favorite foods and still lose weight, have energy, stress less, and sleep better. Learn more and enroll at www.wondrhealth.com/bcbstx
Well onTarget provides the support you need to make healthy choices and rewards you for your hard work. Use the online wellness portal and mobile app to access a suite of personalized tools and resources. Visit www.bcbstx.com to access the Well onTarget member portal, or download the Well onTarget Fitness Program app, to take a health assessment, check your Blue Points balance, and track wellness information.
Get a discounted gym membership for you and your family (age 16+) from a nationwide network of 9,000 fitness locations.
6 Monthly fees as low as $10 with a one-time enrollment fee of $19 per member.
6 No long-term contract. Membership is month to month.
6 Get 2,500 Blue points for joining the program. Earn more points for weekly visits.
6 Get discounts on massage therapists, personal trainers, nutrition counselors, and more.
We understand the importance of staying active, which is why we offer several paths to gym memberships. Whether you prefer yoga, strength training, or cardio workouts, we want to help make those accessible to you.
6 Onsite Office Gym – Our Austin, Denver, and Houston office locations have onsite gyms and showers for convenient access to work out before, after, or during the workday. There is no fee to use these facilities.
6 Gold’s Gym – WhiteWater will pay the full cost of a Gold’s Gym basic membership.
6 Gym/Class Reimbursement* – WhiteWater will reimburse up to $60 per month for an alternative fitness center membership.
6 Employees utilizing the Corporate Gold’s Gym program may also reimburse additional fitness activities up to $32/month, for combined value of $60.
* A receipt is required each time a reimbursement request is submitted through Concur. Your membership must be active for the period you are requesting reimbursement. Please only submit reimbursement for the actual monthly fee, not to exceed $60 per month OR $32 per month if you are also enrolled in the Gold’s Gym corporate plan.
Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Coverage is provided through Lincoln Financial using the Dental Connect network of providers.
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.
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers. Coverage is provided through Lincoln Financial using the Spectera network of providers.
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 an FSA for health care expenses. Higginbotham administers our 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:
6 Dental and vision expenses
6 Medical deductibles and coinsurance
6 Prescription copays
6 Hearing aids and batteries
You may not contribute to a Health Care FSA if you enrolled in a an HDHP and contribute to an HSA.
How the Health Care FSA Works
You can access the funds in your FSA two different ways:
6 Use your FSA debit card to pay for qualified expenses, doctor visits, and prescription copays.
6 Pay out-of-pocket and submit your receipts for reimbursement:
• Visit https://flexservices.higginbotham.net
• Fax 866-419-3516
• Email flexclaims@higginbotham.net
6 The maximum per plan year you can contribute to a Health Care FSA is $3,400
6 You cannot change your election during the year unless you experience a QLE.
6 Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
6 You may carry over up to $500 in your Health Care FSA into the next plan year.
The Higginbotham Benefits Debit Card gives you immediate access to funds in your Health Care FSA when you make a purchase without needing to file a claim for reimbursement. If you use the debit card to pay for anything other than a copay amount, you will need to submit an itemized receipt or an Explanation of Benefits (EOB). If you do not submit your receipts, you will receive a request for substantiation. You will have 60 days to submit your receipts after receiving the request for substantiation before your debit card is suspended. Check the expiration date on your card to see when you should order a replacement card(s).
The Higginbotham Portal provides information and resources to help you manage your FSA to:
6 Access plan documents, letters and notices, forms, account balances, contributions, and other plan information
6 Update your personal information
6 Look up qualified expenses
6 Submit claims Register on the Higginbotham Portal Visit https://flexservices.higginbotham.net and click Get Started. Follow the instructions and scroll down to enter your information.
6 Enter your Social Security number with no dashes or spaces as your Employee ID.
6 Follow the prompts to navigate the site.
6 If you have any questions or concerns, contact Higginbotham:
• Call 866-419-3519
• Fax 866-419-3516
• Email flexclaims@higginbotham.net
Easily access your Health Care FSA on your smartphone or tablet with the Higginbotham mobile app. Search for Higginbotham in your mobile device’s app store and download as you would any other app.
6 View Accounts – See detailed account and balance information.
6 Card Activity – View debit card activity.
6 SnapClaim – File a claim and upload receipt photos directly from your smartphone.
6 Manage Subscriptions – Set up email notifications to keep up-to-date on all account and Health Care FSA debit card activity.
Log in using the same username and password you use to log in to the Higginbotham Portal. Note: You must register on the Higginbotham Portal to use the mobile app.
The products and services listed below are examples of medical expenses eligible for payment under your Health Care FSA or HSA. This list is not all-inclusive; additional expenses may qualify and the items listed are subject to change in accordance with IRS regulations. Please refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for a complete description of eligible medical and dental expenses.
6 Spinal fluid test
6 Telephone or TV equipment to assist the hard-of-hearing
6 Therapy equipment 6 Transportation expenses (relative to health care) 6 Ultraviolet ray treatment
Who is eligible?
Members enrolled in a high deductible health plan (HDHP) who do not have any other non-HDHP health plan, including coverage under Medicare, a spouse’s health plan, or Flexible Spending Account (FSA) Contribution
Who owns the account?
Disbursement of funds
Money is deducted pretax from your salary every pay period. Additional individual contributions are NOT allowed.
The entire annual contribution amount is available from the beginning of the year for a Health Care FSA, even if the account is not fully funded yet.
Catch-up contribution for older workers No
Portability and forfeiture
Balance carryover (or rollover)
Can I change my contribution?
Eligible medical expenses
Non-medical expenses
Proof of expenses required?
Upon employment termination, any unspent funds are forfeited.
Money is deducted pretax from your salary every pay period. Additional individual contributions up to the maximum contribution amount ARE allowed.
Only funds paid in by you are available for health care expenses.
Yes. Members age 55 or older may contribute up to an additional $1,000 to their HSA each year.
This account is portable. HSA balance is not forfeited when you change employers or health plans.
Yes. You are able to roll over up to $500 to the following year. Any amount over the rollover amount is forfeited. Yes. Unused funds are carried over to the following year.
Only for QLEs such as a marriage, divorce, birth, or during open enrollment. Yes, on a monthly basis.
Qualifying medical expenses are those specified in the plan, e.g., copays, coinsurance, deductible, prescription drugs, braces, dental, and eyecare expenses.
FSA funds cannot be used for non-qualified health care expenses.
Yes
Qualified medical expenses are defined under Internal Revenue Code 213(d), except for amounts distributed to pay health insurance premiums. HSAs can be used to pay premiums for Temporary Continuation of Coverage, Long Term Care, and health insurance for retirees.
HSA funds can be used for non-health care distributions but are included in gross income and subject to a 10% penalty if under age 65.
No. However, you should be prepared to substantiate to the IRS that the expense has been incurred, the amount of the expense, and its eligibility.
Life and Accidental Death and Dismemberment (AD&D) insurance through Lincoln Financial are important to your financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies). Life and AD&D coverage amounts reduce by 35% at age 65, and an additional 15% at age 70.
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $200,000 for each benefit.
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).
6 New Hires: As a new employee, you are able to elect up to the Guaranteed Issue (GI) amount without having to complete an Evidence of Insurability (EOI) form. If you elect over the GI amount, you will automatically be approved for the GI amount, however any coverage over the GI will require an EOI form to be completed. The additional coverage will not go into effect until Lincoln Financial has approved your coverage.
6 Current Employees: Lincoln Financial allows employees and spouses to increase their election by two increments each year without requiring them to complete an EOI form. If this interests you, we recommend you review your coverage options during OE and make the desired elections.
• Increments of $10,000 up to six times your salary or $750,000
• Guaranteed Issue under age 70: $200,000 Age 70+: $50,000 (Maximum Coverage Amount)
or 50% of the employee’s benefit amount. • Guaranteed Issue under age 70: $30,000 • Age 70+: no coverage available
or $10,000
A beneficiary is the person or entity you designate to receive the death benefits of your Life insurance policy. You can name more than one beneficiary, and you can change beneficiaries at anytime. If you name more than one beneficiary, identify the share for each.
6 Log in to www.lincolnfinancial.com. First-time user? Register using company code 1100189
6 Click Complete Evidence of Insurability
6 Answer the questions about you and other applicants. You’ll be asked:
• General applicant information, such as date of birth, height, and weight
• Qualifying questions, including if you or other applicants have been diagnosed with a disease or are prescribed medications for a condition
• Medical questions about health conditions, diagnosis date, and treatments
6 Review your responses, then electronically sign and submit your application.
6 Save your confirmation report.
In some cases, you may be auto-approved for coverage. If not, your application will be reviewed and you will be contacted if more information is required. In all cases, you will be notified of your application outcome.
Empathy is a comprehensive support system for your Life insurance beneficiaries. This complimentary service provides:
6 Funeral planning assistance
6 Probate and estate guidance
6 Grief support
6 Time-saving resources
Beneficiaries can visit https://join.empathy.com/lincolnbeneficiary to enroll in assistance planning for the future.
If you suddenly become ill or are involved in an accident and are unable to work, it is easy to fall behind on your rent or mortgage, car payment, and other expenses. That is why a salary replacement plan is an important benefit for you and your family.
Short Term Disability (STD) coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy, or non-work-related injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered under workers’ compensation, not STD.
WhiteWater provides STD coverage at no cost to you Coverage is provided through Lincoln Financial
Long Term Disability (LTD) insurance provides long term income protection in the event of sickness or injury. A qualifying disability can occur on or off the job.
WhiteWater provides LTD coverage at no cost to you Coverage is provided through Lincoln Financial
• Covers 60% of your base annual earnings, up to a $2,500 maximum per week for up to 24 weeks.
Short Term Disability
• Benefit begins after 14 days of disability.
• During the elimination period, PTO will need to be used until your disability benefits begin
• Covers 60% of your base annual earnings to a maximum of $10,000 per month.
• Benefit begins after 180 days of disability and continues to age 65 standard ADEA.
WhiteWater offers a 12-week maternity leave benefit. Your STD coverage will replace 60% of your income for the first six or eight weeks of leave. The parental leave balance will be used to cover the 14-day elimination period. While on disability, WhiteWater will pay 40% of earnings to regularly scheduled deductions, including health care premiums. After the disability period ends, WhiteWater will pay 100% of the employee's pay for the remainder of the 12-week period.
WhiteWater offers the opportunity to enroll in additional coverage in case of serious illness or accident. Theses plans are provided by Lincoln Financial
Accident insurance pays a fixed benefit directly to you in the event of an accident on or off the job regardless of any other coverage you may have. Benefits are paid according to a fixed schedule for accident-related expenses including hospitalizations, fractures and dislocations, emergency room visits, major diagnostic exams, and physical therapy. Refer to the SBC for benefit details.
For many, a critical illness can expose an individual to an unexpected gap in protection. While health plans may help cover many of the direct costs associated with a critical illness, related expenses such as lost income, childcare, travel to and from treatment, high deductibles, and copays may quickly diminish savings. Critical illness insurance pays a fixed benefit if you are diagnosed with a covered critical illness after your coverage effective date.
Employee
Spouse
Child(ren)
• $10,000, $15,000, $20,000
• Guaranteed Issue $20,000
• $5,000, $7,500, $10,000 (not to exceed 50% of employee amount)
• Guaranteed Issue $10,000
• $2,500, $5,000, $10,000 (not to exceed 50% of employee amount)
• Guaranteed Issue $10,000
The Hospital Indemnity plan helps you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay. Unlike traditional insurance that pays a benefit to the hospital or doctor, this plan pays you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work. See the plan document for full details.
This complex world in which we live often presents an array of challenges. Our Employee Assistance Program (EAP) provides support programs to help you deal with personal concerns, work-related problems, and life’s toughest issues. Whether you are dealing with job pressures, alcohol or drug abuse, or depression, our EAP services can help you 24 hours a day/7 days a week. Guidance and support are offered for such issues as:
Some matters are best resolved by meeting with a professional in person. With EmployeeConnect, you and your family get:
6 In-person help for short-term issues (up to five sessions with a counselor per person, per issue, per year)
6 In-person consultations with network lawyers, including one free 30-minute consultation per legal issue, and 25% off subsequent meetings
You and your family can access the following services anytime – online, on the mobile app, or with a tollfree call:
The EAP is completely confidential and is available at no cost to you. Call 888-628-4824 or visit www.guidanceresources.com to receive support services.
6 Username LFGSupport
6 Password LFGSupport1
6 Information and referrals on family matters such as childcare and eldercare, pet care, vacation planning, moving, car buying, college planning, and more
6 Legal information and referrals for family law, estate planning, and consumer and civil law
6 Financial guidance on household budgeting and short- and long-term planning
EmployeeConnect offers a wide range of information and resources you can research and access on your own. Expert advice and support tools are a click away when you visit www.guidanceresources.com or download the GuidanceNow mobile app. You’ll find:
6 Articles and tutorials
6 Videos
6 Interactive tools, including financial calculators, budgeting worksheets, and more
Progyny Select gives you access to high-quality fertility and family-building care, designed to support every path to parenthood. Coverage is offered through a Smart Cycle system that bundles treatments, services, and medications into one easy-to-use benefit.
Your Progyny Select benefit includes:
6 Two Smart Cycles per covered member per lifetime for fertility treatment coverage (e.g., IUI, IVF, etc.)
6 Reproductive urology services for sperm-related treatments
6 Progyny Select Rx fertility medical coverage
6 Adoption and surrogacy support* and resources to help understand the process and receive referrals to expert providers
6 Pregnancy and postpartum support* to prepare for milestones throughout pregnancy and one-year postpartum including guidance on birth preparation, feeding, mental health resources, and more.
6 Parenting support* for child development education and guidance for parents and primary caretakers for children 1-12 years old.
6 Menopause and midlife support* and education on the changes that come from women’s hormonal transitions during perimenopause and menopause
*Support for Adoption, Parenting, Menopause, and Midlife services include care advocate guidance and provider referrals. These services are not subject to an annual benefit value.
6 Access to a national network of top fertility specialists
6 1:1 personalized support from a dedicated Progyny Care Advocate (PCA)
6 Comprehensive coverage for fertility, family-building, and reproductive health services
Visit www.progyny.com or call 833-233-1082 .
Note: Coverage begins: January 1, 2026. Employees and dependents must be enrolled in an eligible medical plan to use the Progyny benefit. Financial responsibility is determined by your plan.
How do I access the Paylocity Self-Service portal?
Access the self-service portal at https://login.paylocity.com
6 Create a log-in with your assigned user ID and password.
6 Company ID: 174513
How do I update my personal information?
From your Employee Dashboard:
6 Select View Employee Record
6 Click on the Personal Tab
6 Click on Edit Contact
6 Once you are finished making updates, select Save
How do I add or edit my direct deposit information?
From your Employee Dashboard:
6 Select View Employee Record
6 Click on the Pay Tab
6 Click on Direct Deposit
• If you currently do not have direct deposit on file, click on Add Bank Account
• Enter the account information and select Save
• If you currently have an account on file and need to change the account, click on the pencil icon under Action
Update your account information and select Save
How do I print or email a paystub using the web or mobile device?
From your Employee Dashboard:
6 Select View Employee Record.
6 Click on the Pay Tab
6 Click on Checks
6 Select Download Paystub to print.
How do I update my tax information?
From your Employee Dashboard:
6 Select View Employee Record
6 Click on the Pay Tab
6 Click on Tax Setup
6 You can edit your withholdings for Federal Income Tax (FITW) by clicking on the pencil icon.
6 Select Save
How do I view year-to-date compensation?
From your Employee Dashboard:
6 In the Benefits Section, select YTD Compensation
How do I request time off in time and labor?
From your Employee Dashboard:
6 In the Time Off Section, select Request Time Off
6 Enter your desired time off and select Submit
How do I complete my timesheet?
From the left-hand side drop-down menu, select the Time & Labor tab:
6 Navigate to the Employee Time Card.
6 Enter hours and OT as one total amount.
6 Select Submit
How do I find my PTO balance?
From your Employee Dashboard:
6 In the Time Off Section, click on Setup & Balance to view your balances and time off history.
Zoee Gogonas, HR Director 512-953-2138
zoee@wwm-llc.com
Natalie Regan, HR Generalist 512-900-2544
natalie@wwm-llc.com
Samantha Woolley, Payroll Manager 512-254-5358
swoolley@wwm-llc.com
WhiteWater offers paid time off, parental leave, and maternity leave, in addition to 12 paid holidays (two are floating). Parental leave is two weeks paid with one week to work remote. The parental leave benefit must be used within one year of the birth or adoption. Maternity leave is 12 weeks fully paid. See page 24 for more information on maternity leave.
WhiteWater Midstream observes 10 paid holidays and provides two additional floating holidays.
6 New Year’s Day – Thursday, January 1
6 Martin Luther King Jr. Day – Monday, January 19
6 Memorial Day – Monday, May 25
6 Independence Day (4-day weekend) - Thursday, July 2
6 Independence Day (observed) – Friday, July 3
6 Labor Day – Monday, September 7
6 Thanksgiving – Thursday, November 26
6 Day After Thanksgiving – Friday, November 27
6 Christmas Eve – Thursday, December 24
6 Christmas Day – Friday, December 25
6 Two floating holidays
8
22
19
5
19
2
16
30
14
28
11
25
9
6
20
3
17
1
15
29
12
25
10
23
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:
6 All stages of reconstruction of the breast on which the mastectomy was performed;
6 Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
6 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.
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.
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.
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.
To request special enrollment or obtain more information, contact:
Human Resources
100 Congress, Suite 2200 Austin, TX 78701 512-953-2100
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with WhiteWater Midstream Co, 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.
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. WhiteWater Midstream Co, LLC has determined that the prescription drug coverage offered by the WhiteWater Midstream Co, 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 WhiteWater Midstream Co, 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 WhiteWater Midstream Co, 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 512-953-2100
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:
6 Visit www.medicare.gov
6 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.
6 Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800-3250778
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and whether or not you are required to pay a higher premium (a penalty).
January 1, 2026 WhiteWater Midstream Co, LLC Human Resources 100 Congress, Suite 2200 Austin, TX 78701 512-953-2100
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 Company, 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.
WhiteWater Midstream Co, LLC
Human Resources 100 Congress, Suite 2200 Austin, TX 78701
512-953-2100
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.
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www. insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www. askebsa.dol.gov or call 1-866-444-EBSA (3272)
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of January 31, 2026. Contact your State for more information on eligibility.
Website: http://www.myalhipp.com/ Phone: 1-855-692-5447
The AK Health Insurance Premium Payment Program Website: http:// myakhipp.com/ Phone: 1-866-251-4861
Email: CustomerService@MyAKHIPP.com
Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/default.aspx
Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)
Health Insurance Premium Payment (HIPP) Program Website: http://dhcs. ca.gov/hipp
Phone: 916-445-8322
Fax: 916-440-5676
Email: hipp@dhcs.ca.gov Colorado – Health First Colorado (Colorado’s Medicaid Program) and Child Health Plan Plus (CHP+)
Health First Colorado website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711
CHP+: https://hcpf.colorado.gov/child-health-plan-plus
CHP+ Customer Service: 1-800-359-1991/State Relay 711
Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/
HIBI Customer Service: 1-855-692-6442
Website: https://www.flmedicaidtplrecovery.com/flmedicaidtplrecovery. com/hipp/index.html
Phone: 1-877-357-3268
GA HIPP Website: https://medicaid.georgia.gov/health-insurancepremium-payment-program-hipp
Phone: 678-564-1162, Press 1
GA CHIPRA Website: https://medicaid.georgia.gov/programs/third-partyliability/childrens-health-insurance-program-reauthorization-act-2009chipra
Phone: 678-564-1162, Press 2
Health Insurance Premium Payment Program
All other Medicaid
Website: https://www.in.gov/medicaid/ http://www.in.gov/fssa/dfr/
Family and Social Services Administration
Phone: 1-800-403-0864
Member Services Phone: 1-800-457-4584
Medicaid Website: https://hhs.iowa.gov/programs/welcome-iowamedicaid
Medicaid Phone: 1-800-338-8366
Hawki Website: https://hhs.iowa.gov/programs/welcome-iowa-medicaid/ iowa-health-link/hawki
Hawki Phone: 1-800-257-8563
HIPP Website: https://hhs.iowa.gov/programs/welcome-iowa-medicaid/ fee-service/hipp
HIPP Phone: 1-888-346-9562
Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884
HIPP Phone: 1-800-967-4660
Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx
Phone: 1-855-459-6328
Email: KIHIPP.PROGRAM@ky.gov
KCHIP Website: https://kynect.ky.gov
Phone: 1-877-524-4718
Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms
Louisiana Medicaid Website: https://www.ldh.la.gov/healthy-louisiana
Medicaid Customer Service Line: 1-888-342-6207
Louisiana Medicaid email: healthy@la.gov
Louisiana Health Insurance Premium Program (LaHIPP) Website: https:// www.ldh.la.gov/lahipp
LaHIPP phone: 1-877-697-6703
LaHIPP email: La.HIPP@la.gov
LaHIPP fax: 1-888-716-9787
LaHIPP mailing address: 100 Crescent Centre Parkway, Suite 1000 Tucker, GA 30084
Maine – Medicaid
Enrollment Website: https://www.mymaineconnection.gov/benefits/ s/?language=en_US
Phone: 1-800-442-6003
TTY: Maine relay 711
Private Health Insurance Premium Webpage: https://www.maine.gov/ dhhs/ofi/applications-forms
Phone: 1-800-977-6740
TTY: Maine Relay 711
Massachusetts – Medicaid and CHIP
Website: https://www.mass.gov/masshealth/pa
Phone: 1-800-862-4840
TTY: 711
Email: masspremassistance@accenture.com
Minnesota – Medicaid
Website: https://mn.gov/dhs/health-care-coverage/ Phone: 1-800-657-3672
Missouri – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005
Montana – Medicaid
Website: https://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084
Email: HHSHIPPProgram@mt.gov
Nebraska – Medicaid
Website: http://www.ACCESSNebraska.ne.gov
Phone: 1-855-632-7633
Lincoln: 402-473-7000 Omaha: 402-595-1178
Nevada – Medicaid
Medicaid Website: http://dhcfp.nv.gov
Medicaid Phone: 1-800-992-0900
New Hampshire – Medicaid
Website: https://www.dhhs.nh.gov/programs-services/medicaid/healthinsurance-premium-program Phone: 603-271-5218
Toll free number for the HIPP program: 1-800-852-3345, ext. 15218
Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov
New Jersey – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/ medicaid/ Phone: 1-800-356-1561
CHIP Premium Assistance Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710 (TTY: 711)
New York – Medicaid
Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
North Carolina – Medicaid
Website: https://medicaid.ncdhhs.gov Phone: 919-855-4100
North Dakota – Medicaid
Website: https://www.hhs.nd.gov/healthcare
Phone: 1-844-854-4825
Oklahoma – Medicaid and CHIP
Website: http://www.insureoklahoma.org
Phone: 1-888-365-3742
Oregon – Medicaid
Website: https://healthcare.oregon.gov/Pages/index.aspx
Phone: 1-800-699-9075
Pennsylvania – Medicaid and CHIP
Website: https://www.pa.gov/en/services/dhs/apply-for-medicaid-healthinsurance-premium-payment-program-hipp.html
Phone: 1-800-692-7462
CHIP Website: https://www.dhs.pa.gov/chip/pages/chip.aspx
CHIP Phone: 1-800-986-KIDS (5437)
Rhode Island – Medicaid and CHIP
Website: http://www.eohhs.ri.gov/
Phone: 1-855-697-4347 or 401-462-0311 (Direct RIte Share Line)
South Carolina – Medicaid
Website: https://www.scdhhs.gov
Phone: 1-888-549-0820
South Dakota - Medicaid
Website: https://dss.sd.gov
Phone: 1-888-828-0059
Texas – Medicaid
Website: https://www.hhs.texas.gov/services/financial/health-insurancepremium-payment-hipp-program
Phone: 1-800-440-0493
– Medicaid and CHIP
Utah’s Premium Partnership for Health Insurance (UPP) Website: https:// medicaid.utah.gov/upp/ Email: upp@utah.gov
Phone: 1-888-222-2542
Adult Expansion Website: https://medicaid.utah.gov/expansion/ Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/ buyout-program/ CHIP Website: https://chip.utah.gov/ Vermont– Medicaid
Website: https://dvha.vermont.gov/members/medicaid/hipp-program
Phone: 1-800-250-8427
Virginia – Medicaid and CHIP
Website: https://coverva.dmas.virginia.gov/learn/premium-assistance/ famis-select
https://coverva.dmas.virginia.gov/learn/premium-assistance/healthinsurance-premium-payment-hipp-programs Medicaid/CHIP Phone: 1-800-432-5924
Washington – Medicaid
Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022
Website: https://dhhr.wv.gov/bms/ http://mywvhipp.com/
Medicaid Phone: 304-558-1700
CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699- 8447)
Wisconsin – Medicaid and CHIP
Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002
Website: https://health.wyo.gov/healthcarefin/medicaid/programs-andeligibility/ Phone: 1-800-251-1269
To see if any other States have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, can contact either:
U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)
U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Company group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Company 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.
WhiteWater Midstream Co, LLC
Human Resources 100 Congress, Suite 2200 Austin, TX 78701 512-953-2100
When you get emergency care or get treated by an out-ofnetwork provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care— like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for:
6 Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these poststabilization services.
6 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, outof-network providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-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:
6 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.
6 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 outof-network services toward your deductible and out-ofpocket 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.
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.
The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options in your geographic area.
Can I Save Money on my Health Insurance Premiums in the Marketplace?
You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings on your premium that you’re eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.
Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?
Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income.1, 2
Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employment-based coverage. Also, this employer contribution -as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.
When Can I Enroll in Health Insurance Coverage through the Marketplace?
You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.
Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.
There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.
Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit www.HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325
What about Alternatives to Marketplace Health Insurance Coverage?
If you or your family are eligible for coverage in an employmentbased health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan.
Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/medicaid-chip/gettingmedicaid-chip/ for more details.
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.
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: Whitewater Midstream Services, Co LLC
5. Employer Address: 100 Congress Ave
7. City: Austin
4. Employer Identification Number (EIN): 36-4841568
6. Employer Phone Number: 512-953-2138
8. State: TX 9. ZIP Code: 78701
10. Who can we contact at this job?: Zoee Gogonas
11. Phone Number (if different from above): 512-953-2138
12. E-Mail Address: zoee@wwm-llc.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 WhiteWater 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. WhiteWater reserves the right to change or discontinue its benefits plans anytime.
