2026 EMPLOYEE BENEFITS
A comprehensive guide to understanding your 2026 employee benefits program
We are pleased to offer a full benefits package to you and your eligible dependents. Read this guide to know what benefits are available to you.
Availability of Summary Health Information
Your benefits program offers one medical plan coverage option. To help you make an informed choice, review the plan’s Summary of Benefits and Coverage, available from Human Resources.
YOUR NEW BENEFITS PLAN YEAR BEGINS January 1, 2026
eligibility
You are eligible for coverage if you are a regular, full-time employee.
You may only enroll for coverage when:
● You are a new hire
● It is Open Enrollment (OE)
● You have a Qualifying Life Event (QLE)
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please see Legal Notices for more details.
eligibility
new hire
Who is Eligible
• A regular, full-time employee working an average of 30 hours per week
When to Enroll
• Enroll by the deadline given by Human Resources
When Coverage Starts
• First of the month following or coinciding with your date of hire
employee
Who is Eligible
• A regular, full-time employee working an average of 30 hours per week
When to Enroll
• Enroll during OE or when you have a QLE
When Coverage Starts
• OE: Start of the plan year
• QLE: In most instances, coverage will begin first of the month following or coinciding with the event date
dependent(s)
Who is Eligible
• Your legal spouse
• Child(ren) under age 26 regardless of student, dependency, or marital status
• Child(ren) over age 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
When to Enroll
• You must enroll the dependent(s) at OE or for a QLE
• When covering dependents, you must enroll for and be on the same plans
When Coverage Starts
• Ask Human Resources, if needed
qualifying life events
You may only change coverage during the plan year if you have a QLE, such as:
or loss of benefits coverage
Change in employment status affecting benefits
Receiving a Qualified Medical Child Support Order
Significant change in cost of spouse’s coverage
You have 30 days from the event to notify Human Resources and complete your changes . For newborns, you have 60 days from the date of their birth to notify Human Resources. You may need to provide documents to verify the change.
how to enroll
Managing your benefits online is easy through ADP. Enroll, update and find benefit details, costs and additional resources in one easily accessible place.
1 Register – Go to https://workforcenow.adp.com.
2 Select Start this Enrollment . Next, click Enroll Now in the Open Enrollment box. Once you read the Welcome Note and Introduction, click Continue
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Add your dependent or beneficiary information before starting your benefit elections.
Make your elections – The left side of the screen shows available plan types. When you are viewing the selected plan type, all enrollment options will be displayed on screen.
Choose your plan:
• Click Select Plan for the plan you want or select Waive This Benefit . If you chose to waive a benefit, you will be required to select a reason for waiving.
• You may review your costs on a per-pay-period, monthly, or annual basis by selecting the desired view in the calculator drop-down.
Choose whom to enroll:
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• Indicate Which Dependents Should be Enrolled (Employee Only, Employee + Spouse, Employee + Children, Employee + Family). Click Continue to preview.
• Review your enrollment, costs, and covered dependents carefully. Then click Save and Continue to Next Benefit to continue making your desired elections until the Continue to Summary button is activated.
Review all your elections and submit – Click Submit Enrollment . Please note that your benefit elections will not be processed until you click Submit Enrollment . If you select Save for Later, these enrollments will not be submitted to your HR team until you fully submit the enrollment. Please ensure you receive the confirmation email indicating your elections have been submitted, and review it for accuracy.
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Make any changes during the OE period – You may log in and navigate to Myself > Benefits > Enrollments and click the Enroll Now option again in the Open Enrollment box to make any desired election changes.
The medical plan option through Surest protects you and your family from major financial hardship in the event of illness or injury.
Preferred Provider Organization
A Preferred Provider Organization (PPO) allows you to see any provider when you need care. When you see innetwork providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other network services are covered at the deductible and coinsurance level.
The Surest Plan
The Surest Plan brings transparency to health care by showing you exactly what you’ll pay before you receive care. Every service has a clear, upfront copay — and it’s inclusive, meaning labs or X-rays ordered during a visit are already covered under your office visit copay. There are no deductibles and no coinsurance, removing two of the biggest barriers to care.
With Surest, you have access to the broadest provider network offered by UnitedHealthcare (UHC) through the Choice Plus Network. Prices for treatments are based on overall efficiency and outcomes, helping reduce unnecessary tests and complications. Plus, members get tools to compare providers and treatment options so they can make informed decisions.
This is a full coverage plan, including preventive care, emergency visits, chronic conditions, and more. Prescription coverage is provided separately through OptumRx/Rx Benefits.
Medical Plan Comparison
Retail Pharmacy • Tier 1 • Tier 2 • Tier 3
benefits advocacy
Alight Health Pro Connection
Managing your health care can be complex and confusing. The Alight Health Pro Connection can help you find the right care for the best cost. It has the tools and resources to support your needs and maximize your benefits. Connect with Alight Health Pro Connection to:
• Locate doctors, specialists, hospitals, dentists, and pharmacies
• Review your health plan benefits
• Compare costs for providers and procedures
• Set up appointments that fit your schedule
• Review medical bills and resolve errors
• Connect with other benefits you may have but are not using
• Save time, money, and stress
It’s easy to connect online, by app, or phone. Simply call or log in to Alight Health Connection to get started.
Connect with Health Pro
telemedicine
FOR CONVENIENT, 24/7 CARE
Your medical coverage offers two telemedicine services through Surest . 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:
• Have a non-emergency issue and are considering an after hours health care clinic, urgent care clinic, or emergency room for treatment
• Are on a business trip, vacation, or away from home
• Are unable to see your primary care physician
When to Use Telemedicine
Use telemedicine for minor conditions such as:
• Sore throat
• Headache
• Stomachache
• Cold/Flu
• Allergies
• Fever
• Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Get Started
With the Surest health plan, you have access to no- or low-cost telemedicine providers. Set up your account to experience the convenience of getting care without leaving home.
Download the Surest app
If you don’t have an account, create one in a few quick taps.
Three Ways to find virtual care in the app:
1. Type in “virtual care.” You’ll see a list of Virtual Visits in a variety of categories.
2. Type in the reason you need care. If available, you’ll see providers listed under “Virtual visit.”
3. You’ll also see virtual alternatives when selecting “in-person medical visits.”
Have questions?
Member Services is available online via chat and email or by calling the number on the back of your Surest member ID card.
prescription options
Optum Rx Home Delivery Program
Mail Service Member Select, through Optum Rx , is a home delivery program that makes it easy for you to get maintenance medications by mail. Get free standard shipping to your mailbox.
You must choose to fill your maintenance medication through either Optum Rx or a retail pharmacy. If you choose a retail pharmacy, you must opt out of the Mail Service Member Select program.
You are allowed two fills of your maintenance medication at your retail pharmacy before you must choose whether to continue to fill the medication at your retail pharmacy or switch to the home delivery program. If you do not take action after the second refill, you may pay more for your medication until you make a decision.
Register for home delivery using any of the follow options:
• Online – Go to www.myuhc.com
• By Phone – Call the number on the back of your ID card.
• By Mail – Ask your doctor for a new prescription for up to a three-month supply, plus refills for up to one year. Go to www.myuhc.com and download the new prescription order form. Mail it to the address on the bottom of the form.
• By Fax – Ask your doctor to call 800-791-7658 for instructions on how to fax your prescription directly to OptumRx.
Convenient Mobile Access
Access and manage your pharmacy benefits and mail service prescriptions from your smartphone or other mobile device by logging in at www.optumrx.com
GoodRx
Prescription drug prices are not regulated and can vary greatly between pharmacies. GoodRx allows you to view prices and find coupons, discounts, and savings tips. Visit www.goodrx.com to print coupons or get the GoodRx app to display the coupon on your phone. GoodRx is a free service, so you do not have to create an account to search for prices and receive discounts. If you do create an account, you can store your prescription list for ease of use in the future.
PLEASE NOTE : You have a choice to use your insurance or a GoodRx coupon, but you cannot use both. If you use the coupon, the cost of that medication will not apply toward your deductible or calendar year maximum out-of-pocket expenses.
Healthcare Bluebook
Discover what you should expect to pay for health care services in your area with Healthcare Bluebook ’s free search tool. Costs for the same in-network procedure can vary by over 400%, but Healthcare Bluebook levels the playing field by providing cost and quality transparency. With fair price comparisons and industry-leading quality rankings, you can easily find and connect with value-certified providers, making shopping for health care services simple and straightforward.
Learn more at www.healthcarebluebook.com .
STOP PAYING TOO MUCH FOR PRESCRIPTIONS
health care options
Becoming familiar with your options for medical care can save you time and money.
Non-emergency Care
Telemedicine
Access to care via phone, online video, or mobile app whether you are home, work, or traveling; medications can be prescribed.
24 hours a day, 7 days a week
Doctor’s Office
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history.
Office hours vary Infections
Retail Clinic
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies.
Sore and strep throat
Hours vary based on store hours Common infections
Urgent Care
When you need immediate attention; walk-in basis is usually accepted.
Generally includes evening, weekend, and holiday hours
Emergency Care
Hospital ER
Life-threatening or critical conditions; trauma treatment ; multiple bills for doctor and facility.
24 hours a day, 7 days a week
Freestanding ER
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher 24 hours a day, 7 days a week
Sprains and strains
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.
Surest resources
FOR GETTING THE MOST OUT OF YOUR MEDICAL COVERAGE
Surest Member Website
Set up your free Surest account and start using the plan to:
• Check prices.
• Compare care options.
• Search for care by symptoms
• Check if provider is In-network
• Access your digital Surest ID card
• Choose what works best for your family, your lifestyle and your budget. Visit: https://benefits.surest.com to register!
Surest Mobile App
To get the most out of your plan, you need to register. With the Surest app you can:
• See upfront copays and what is included in a visit before seeking care
• Search for care by symptoms using common language not medical terms
• Check if a provider is in-network and accepting patients
• Compare alternative care options, which may be at a lower cost
• Access your digital Surest ID card from your phone or electronic device
• Choose care that works best for your health, your budget and your lifestyle.
Download the Surest app
One Pass Select
Rediscover your passion for health.
With One Pass Select™, we’re on a mission to make fitness engaging for everyone. One Pass Select can help you reach your fitness goals, while finding new passions along the way. Find a routine that’s right for you whether you work out at home or at the gym. Choose a membership tier that fits your lifestyle and provides everything you need for whole-body health in one easy, affordable plan. One Pass Select is available to you or your eligible family members (18+).
Find your fit with One Pass Select
At the gym
• Choose from our large, nationwide network of gym brands and local fitness studios. Use any gym in the network and create a routine just for you.
At home
• Work out at home with live or on-demand online fitness classes. Try our workout builder to get routines created just for you, no matter what your fitness level and interests are.
Multiple tiers are available. Pricing dependent upon chosen tier level.
• An enrollment fee may apply, or get started with a digital-only plan for $10/Month.
• All tiers Classic or above include the digital tier, and additional benefits at no extra cost.
Enroll today
Scan the code or visit www.onepassselect.com
mental health support, on your schedule
Talkspace Go empowers individuals, couples, and parents to take charge of their mental health - anytime, anywhere. This self-guided program offers 400+ interactive courses and 55+ guided counseling programs focused on topics like anxiety, depression, burnout, and parenting.
After completing a brief 25-question assessment, users receive a personalized plan tailored to their needs. You’ll also have access to anonymous live workshops, daily journaling prompts, and clinically proven tools designed by licensed therapists.
Get Started
Download the Talkspace Go app (Organization code: Surest)
dental work. Coverage is provided through UnitedHealthcare (UHC).
DPPO Plan
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider.
vision
FOR YOUR PEEPERS
Our vision plan offers quality care to help preserve your health and eyesight. Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see in-network providers. Coverage is provided through UHC using the UnitedHealthcare Standard vision network.
Find an In-Network Vision Provider
Visit www.uhc.com/dental-visionsupplemental-plans/vision-insurance
Call 866-487-9299
Lenses
• Single vision
• Lined bifocals
• Lined trifocals
• Lenticular
Vision Summary
copay
copay
copay
Contacts
In lieu of frames and lenses
• Elective
• Medically necessary
Benefit Frequency
Exam
Lenses
Frames
Contacts
Once every 12 months
Once every 12 months
Once every 24 months
Once every 12 months
flexible spending accounts
FOR HEALTH AND DEPENDENT CARE EXPENSES
A Flexible Spending Account (FSA) allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. We offer two different FSAs: one for health care expenses and one for dependent care expenses. Benepass 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 a High Deductible Health Plan (HDHP) and contribute to a Health Savings Account (HSA).
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 Considerations
Overnight camps are not eligible for reimbursement (only day camps can be considered).
If your child turns age 13 midyear, you may only be reimbursed for the time the child was 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.
Important FSA Rules
• The maximum per plan year you can contribute to a 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 Qualifying Life Event.
• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
• You can continue to file claims incurred during the plan year for another 90 days (up to March 31, 2026).
• 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 carryover rule does not apply to your Dependent Care FSA.
Saves on eligible expenses not covered by insurance; reduces your taxable income
(filing jointly or head of household) $3,750 (married and filing separate tax returns) Reduces your taxable income
list of qualified FSA expenses
The products and services listed below are examples of medical expenses eligible for payment using your Flexible Spending Account. 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.
Abdominal supports
Acupuncture
Air conditioner (when necessary for relief from difficulty in breathing)
Alcoholism treatment
Ambulance
Anesthetist
Arch supports
Artificial limbs
Autoette (when used for relief of sickness/disability)
Blood tests
Blood transfusions
Braces
Cardiographs
Chiropractor
Contact lenses
Convalescent home (for medical treatment only)
Crutches
Dental treatment
Dental X-rays
Dentures
Dermatologist
Diagnostic fees
Diathermy
Drug addiction therapy
Drugs (prescription)
Elastic hosiery (prescription)
Eyeglasses
Fees paid to health institute prescribed by a doctor
FICA and FUTA tax paid for medical care service
Fluoridation unit
Guide dog
Gum treatment
Gynecologist
Healing services
Hearing aids and batteries
Hospital bills
Hydrotherapy
Insulin treatment
Lab tests
Lead paint removal
Legal fees
Lodging (away from home for outpatient care)
Metabolism tests
Neurologist
Nursing (including board and meals)
Obstetrician
Operating room costs
Ophthalmologist
Optician
Optometrist
Oral surgery
Organ transplant (including donor’s expenses)
Orthopedic shoes
Orthopedist
Osteopath
Oxygen and oxygen equipment
Pediatrician
Physician
Physiotherapist
Podiatrist
Postnatal treatments
Practical nurse for medical services
Prenatal care
Prescription medicines
Psychiatrist
Psychoanalyst
Psychologist
Psychotherapy
Radium therapy
Registered nurse
Special school costs for the handicapped
Spinal fluid test
Splints
Surgeon
Telephone or TV equipment to assist the hard-of-hearing
Therapy equipment
Transportation expenses (relative to health care)
Ultraviolet ray treatment
Vaccines
Vitamins (if prescribed)
Wheelchair
X-rays
Life and Accidental Death and Dismemberment (AD&D) insurance through Mutual of Omaha 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 at age 70.
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $50,000 for each benefit.
Voluntary Life and AD&D
If you need more coverage than Basic Life and AD&D, you may buy Voluntary Life and AD&D for yourself and your dependent(s). If you do not elect Voluntary Life and AD&D insurance when first eligible, or if you want to increase your benefit amount at a later date, you may need to show proof of good health. You must elect Voluntary Life and AD&D coverage for yourself before covering your spouse and/or child(ren).
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Designating a Beneficiary
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We provide Short Term Disability (STD) for you to purchase through Mutual of Omaha. Virtuoso provides Long Term Disability (LTD) at no cost to you.
Voluntary Short Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy or non-work-related injury. STD benefits are not payable if the disability is due to a job-related injury or illness. If a medical condition is job-related, it is considered workers’ compensation, not STD.
Group Long Term Disability
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to Social Security Normal Retirement Age (SSNRA).
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Claims Support
Mutual of Omaha makes it easy to file claims anytime, 24/7/365, in the way that works best for you.
Visit www.mutualofomaha.com/support/help-finder#/claims/disability-insurance
You and your eligible family members have the opportunity to enroll in additional coverage that complements our traditional health care programs through Mutual of Omaha. Health insurance covers medical bills, but if you have an emergency, you may face unexpected out-of-pocket costs such as deductibles, coinsurance, travel expenses, and non-medical expenses.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductibles, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans. See the plan document for full details.
Hospital Indemnity Insurance
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 which 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.
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Critical Illness Insurance
Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump-sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs. See the plan document for full details.
Critical Illness Insurance
Increments of $5,000 to $50,000
Monthly Rates per $1,000
Employee
Spouse
Children
Full Coverage
Guaranteed Issue: $50,000
Increments of $5,000 to $30,000 100% of employee amount
Guaranteed Issue: $30,000
Guaranteed Issue: $10,000, not to exceed 50% of employee amount
First Occurrence Benefit
Heart attack, heart transplant, stroke, ALS, advanced Alzheimer’s, advanced Parkinson’s, major organ transplant/replacement on UNOS list, end-stage renal failure, cerebral palsy, structural congenital defects genetic disorders, congenital metabolic disorders, type 1 diabetes, invasive cancer
Partial Coverage
Heart valve surgery, coronary artery bypass, aortic surgery, ARDS, carcinoma in situ, benign brain tumor
Wellness Benefit*
One per covered person per calendar year
25%-50% of benefit amount
$75
*See Wellness Program Notice on page 35 for important information.
The Employee Assistance Program (EAP) from Mutual of Omaha helps you and family members cope with a variety of personal and work-related issues. This program provides confidential counseling and support services at little or no cost to you to help with:
• Relationships
• Work-life balance
• Stress and anxiety
• Will preparation and estate resolution
• Grief and loss
• Childcare and eldercare resources
• Substance abuse
mutual of omaha value adds
Worldwide Travel Assistance
AXA Assistance USA provides travel assistance for you and your dependents if you are traveling on any single trip more than 100 miles from home. Contact a representative to get trip planning assistance; translation, interpreter, or legal services; lost baggage assistance; emergency funds; document replacement; medical emergency help; and more. Services are available for business and personal travel. For inquiries within the U.S.: 800-856-9947 Outside the U.S.: 312-935-3658
Identity Theft Services
Identity Theft Assistance, provided by AXA Assistance, is an educational resource to help you understand the risks of identity theft and learn how to prevent it. If your information is compromised, a representative will give you the resources to contact. Call AXA Assistance at 800-856-9947 to learn more.
Will Preparation
Creating a will is an important investment in your future. In just minutes, you can create a personalized will that keeps your information safe and secure. These services through Epoq offer a secure account space to prepare wills and other legal documents. Log in at www.willprepservices.com and use the code MUTUALWILLS to register.
Financial Wellness
Mutual of Omaha’s Financial Wellness Program, powered by Enrich, provides tools and resources to help you take control of your financial future. From budgeting and debt management to retirement planning and investing, Enrich offers personalized guidance, interactive courses, and expert tips tailored to your unique goals that empowers you to make informed financial decisions with confidence. Go to www.mutualofomaha.com/eap and click Managing Finances to locate the Enrich link, sign up, and complete registration.
Hearing Discount
As a disability member, Mutual of Omaha offers a Hearing Discount Program at no additional cost to you through Amplifon. This program gives you access to free hearing testing, a low-price guarantee, a 60-day risk-free trial period, and two years of batteries with purchase. To activate your benefit, call 844-267-5436. Learn more at www.amplifonusa.com/mutualofomaha .
retirement plan
FOR FINANCIAL SECURITY IN YOUR LATER YEARS
A 401(k) plan can be a powerful tool to help you be financially secure in retirement. Our 401(k) plan through ADP can help you reach your investment goals.
How the Retirement Plan Works
You are eligible to participate in the plan if you are 21 years of age and have 30 days of service with the company. You may contribute up to the IRS limit.
You decide how much you want to contribute and can change your contribution amount anytime. All changes are effective as soon as administratively feasible and remain in effect until you update or stop your contributions. You also decide how to invest the assets in your account and may change your investment choices anytime. For more details, refer to your 401(k) enrollment guide or contact ADP at 800-695-7526.
Enrollment
You must enroll through ADP at www.mykplan.adp.com or by calling 800-695-7526
Vesting
You are always 100% vested in your own contributions. You are 100% vested in matching company contributions after six years of service.
Vesting Schedule
<2 years of service – 0%
2 years of service – 20%
3 years of service – 40%
4 years of service – 60%
5 years of service – 80%
6+ years of service – 100%
Investment Options
You may direct your contributions to any of the investments offered within the company 401(k) plan. Changes to your investments can be made by calling 800-695-7526. 2026 IRS Contribution Limits
• $24,500
• $7,500 additional contribution if age 50 or older
perks and holiday schedule
Additional Perks
The IATAN card is an internationally recognized identification that gives travel professionals exclusive access to premium training opportunities and incredible travel, merchandise, gift card, and retail deals!
Legal benefits from Rocket Lawyer gives you quick access to a lawyer for your legal questions.
Referral Bonus – $1,000+
Preventive Measures – Employees and covered spouses that participate in the Surest medical plan will be rewarded $50 for completing an annual Preventive visit.
2026
Virtuoso Holiday Schedule – U.S.
Holiday Date
Employee Floating Holiday*
New Year’s Day (Observed)
Employee Choice Request in ADP Employee Portal
Thursday, January 1, 2026
Martin Luther King Jr. Day Monday, January 19, 2026
President’s Day (Company Floating Holiday) Monday, February 16, 2026
Memorial Day Monday, May 25, 2026
Independence Day (Observed) Friday, July 3, 2026
VTW Day Monday, August 17, 2026
Labor Day Monday, September 7, 2026
Thanksgiving Day Thursday, November 26, 2026
Day After Thanksgiving Friday, November 27, 2026
Christmas Eve Thursday, December 24, 2026
Christmas Day Friday, December 25, 2026
New Year’s Eve (Observed) Thursday, December 31, 2026
* Please note: Employee Floating Holiday is not paid if unused at termination.
Additional Time Off
Refer to the Employee Handbook for additional details, conditions, and limitations.
• Bereavement Leave – up to three days paid leave
• Jury Duty Leave – you will be granted time off with pay to fulfill your civic duty.
Benefits Assistance
Higginbotham Employee Response Center
866-419-3518
helpline@higginbotham.net
Medical
Surest
866-683-6440
www.surest.com
Telemedicine
Surest
866-683-6440 www.surest.com
Dental
UnitedHealthcare
866-801-4409 www.myuhc.com
Vision
UnitedHealthcare
866-801-4409 www.myuhc.com
Benefits Advocacy
Alight
800-513-1667 x2925
jennifer.fredrick@alight.com
FSA
Benepass www.getbenepass.com
Life and AD&D
Mutual of Omaha
800-775-8805
submitgrplife@mutualofomaha.com
Disability
Mutual of Omaha
800-877-5176
newdisabilityclaim@mutualofomaha.com
Accident and Hospital Indemnity
Mutual of Omaha
800-775-8805
submitgrplife@mutualofomaha.com
EAP
Mutual of Omaha 800-316-2796 www.mutualofomaha.com/eap
Retirement Plan
Virtuoso/ADP
866-695-7526
Contract ID: 423381 www.mykplan.adp.com
legal 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:
Virtuoso
Human Resources
777 Main Street, Suite 900 Fort Worth, TX 76102
817-870-0300
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 Virtuoso 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. Virtuoso has determined that the prescription drug coverage offered by the Virtuoso 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 Virtuoso 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 Virtuoso prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to reenroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add coverage.
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
For more information about this notice or your current prescription drug coverage:
Contact the Human Resources Department at 817-870-0300
NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.
For more information about your options under Medicare prescription drug coverage:
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
• Visit www.medicare.gov
• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help.
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity. gov, or you can call them at 800-772-1213. TTY users should call 800-325-0778
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).
January 1, 2026
Virtuoso Human Resources 777 Main Street, Suite 900 Fort Worth, TX 76102
817-870-0300
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 Virtuoso, 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.
Virtuoso
Human Resources
777 Main Street, Suite 900 Fort Worth, TX 76102
817-870-0300
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 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 July 31, 2025. Contact your State for more information on eligibility.
Alabama – Medicaid
Website: http://www.myalhipp.com/
Phone: 1-855-692-5447
Alaska – Medicaid
The AK Health Insurance Premium Payment Program Website: http:// myakhipp.com/
Phone: 1-866-251-4861
Email: CustomerService@MyAKHIPP.com
Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/default.aspx
Arkansas – Medicaid
Website: http://myarhipp.com/
Phone: 1-855-MyARHIPP (855-692-7447)
California– Medicaid
Health Insurance Premium Payment (HIPP) Program Website: http:// dhcs.ca.gov/hipp
Phone: 916-445-8322
Fax: 916-440-5676
Email: hipp@dhcs.ca.gov
Colorado – Health First Colorado (Colorado’s Medicaid Program) and Child Health Plan Plus (CHP+)
Health First Colorado website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711
CHP+: https://hcpf.colorado.gov/child-health-plan-plus
CHP+ Customer Service: 1-800-359-1991/State Relay 711
Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/ HIBI Customer Service: 1-855-692-6442
Florida – Medicaid
Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html
Phone: 1-877-357-3268
Georgia – Medicaid
GA HIPP Website: https://medicaid.georgia.gov/health-insurancepremium-payment-program-hipp
Phone: 678-564-1162, Press 1
GA CHIPRA Website: https://medicaid.georgia.gov/programs/thirdparty-liability/childrens-health-insurance-program-reauthorization-act2009-chipra
Phone: 678-564-1162, Press 2
Indiana – Medicaid
Health Insurance Premium Payment Program
All other Medicaid
Website: https://www.in.gov/medicaid/ http://www.in.gov/fssa/dfr/ Family and Social Services Administration
Phone: 1-800-403-0864
Member Services Phone: 1-800-457-4584
Iowa – Medicaid and CHIP (Hawki)
Medicaid Website: https://hhs.iowa.gov/programs/welcome-iowamedicaid
Medicaid Phone: 1-800-338-8366
Hawki Website: https://hhs.iowa.gov/programs/welcome-iowamedicaid/iowa-health-link/hawki
Hawki Phone: 1-800-257-8563
HIPP Website: https://hhs.iowa.gov/programs/welcome-iowa-medicaid/ fee-service/hipp
HIPP Phone: 1-888-346-9562
Kansas – Medicaid
Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884
HIPP Phone: 1-800-967-4660
Kentucky – Medicaid
Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/ kihipp.aspx
Phone: 1-855-459-6328
Email: KIHIPP.PROGRAM@ky.gov
KCHIP Website: https://kynect.ky.gov
Phone: 1-877-524-4718
Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms
Louisiana – Medicaid
Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp
Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP)
Maine – Medicaid
Enrollment Website: https://www.mymaineconnection.gov/benefits/ s/?language=en_US
Phone: 1-800-442-6003
TTY: Maine relay 711
Private Health Insurance Premium Webpage: https://www.maine.gov/ dhhs/ofi/applications-forms
Phone: 1-800-977-6740
TTY: Maine Relay 711
Massachusetts – Medicaid and CHIP
Website: https://www.mass.gov/masshealth/pa
Phone: 1-800-862-4840
TTY: 711
Email: masspremassistance@accenture.com
Minnesota – Medicaid
Website: https://mn.gov/dhs/health-care-coverage/
Phone: 1-800-657-3672
Missouri – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
Phone: 573-751-2005
Montana – Medicaid
Website: https://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP
Phone: 1-800-694-3084
Email: HHSHIPPProgram@mt.gov
Nebraska – Medicaid
Website: http://www.ACCESSNebraska.ne.gov
Phone: 1-855-632-7633
Lincoln: 402-473-7000
Omaha: 402-595-1178
Nevada – Medicaid
Medicaid Website: http://dhcfp.nv.gov
Medicaid Phone: 1-800-992-0900
New Hampshire – Medicaid
Website: https://www.dhhs.nh.gov/programs-services/medicaid/ health-insurance-premium-program
Phone: 603-271-5218
Toll free number for the HIPP program: 1-800-852-3345, ext. 15218
Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov
New Jersey – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/dmahs/ clients/medicaid/ Phone: 1-800-356-1561
CHIP Premium Assistance Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710 (TTY: 711)
New York – Medicaid
Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
North Carolina – Medicaid
Website: https://medicaid.ncdhhs.gov Phone: 919-855-4100
North Dakota – Medicaid
Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825
Oklahoma – Medicaid and CHIP
Website: http://www.insureoklahoma.org Phone: 1-888-365-3742
Oregon – Medicaid
Website: https://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075
Pennsylvania – Medicaid and CHIP
Website: https://www.pa.gov/en/services/dhs/apply-for-medicaidhealth-insurance-premium-payment-program-hipp.html
Phone: 1-800-692-7462
CHIP Website: https://www.dhs.pa.gov/chip/pages/chip.aspx
CHIP Phone: 1-800-986-KIDS (5437)
Rhode Island – Medicaid and CHIP
Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347 or 401-462-0311 (Direct RIte Share Line)
South Carolina – Medicaid
Website: https://www.scdhhs.gov Phone: 1-888-549-0820
South Dakota – Medicaid
Website: https://dss.sd.gov Phone: 1-888-828-0059
Texas – Medicaid
Website: https://www.hhs.texas.gov/services/financial/healthinsurance-premium-payment-hipp-program
Phone: 1-800-440-0493
Utah – Medicaid and CHIP
Utah’s Premium Partnership for Health Insurance (UPP) Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov
Phone: 1-888-222-2542
Adult Expansion Website: https://medicaid.utah.gov/expansion/ Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/ buyout-program/
CHIP Website: https://chip.utah.gov/ Vermont– Medicaid
Website: https://dvha.vermont.gov/members/medicaid/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
West Virginia – Medicaid and CHIP
Website: https://dhhr.wv.gov/bms/ http://mywvhipp.com/
Medicaid Phone: 304-558-1700
CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)
Wisconsin – Medicaid and CHIP
Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm
Phone: 1-800-362-3002
Wyoming – Medicaid
Website: https://health.wyo.gov/healthcarefin/medicaid/programs-andeligibility/
Phone: 1-800-251-1269
To see if any other States have added a premium assistance program since July 31, 2025, 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 Virtuoso group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Virtuoso 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
Virtuoso Human Resources 777 Main Street, Suite 900 Fort Worth, TX 76102 817-870-0300
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-ofnetwork provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-ofnetwork provider.
You are protected from balance billing for:
• Emergency services – If you have an emergency medical condition and get emergency services from an out-ofnetwork provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
• Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other services at these in-network facilities, out-ofnetwork providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When balance billing is not allowed, you also have the following protections:
• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
• Your health plan generally must:
» Cover emergency services without requiring you to get approval for services in advance (prior authorization).
» Cover emergency services by out-of-network providers.
Notice regarding wellness program
The employee wellness program is a voluntary program administered according to federal rules permitting employersponsored wellness programs that seek to improve employee health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness program you may be asked to complete a voluntary health risk assessment or "HRA" that asks a series of questions about your health-related activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You may also be asked to complete a biometric screening, which could include a blood test for certain medical conditions such as diabetes, heart disease, etc. You are not required to complete the HRA or to participate in the blood test or other medical examinations.
However, employees who choose to participate in the wellness program may qualify for an incentive. Although you are not required to complete a HRA or biometric screening, the wellness program may specify that only employees who do so will qualify for the incentive. Additional incentives may be available for employees who participate in certain health-related activities or achieve certain health outcomes.
If you are unable to participate in any of the health-related activities or achieve any of the health outcomes required to earn an incentive, you may be entitled to a reasonable accommodation or an alternative standard. You may request a reasonable accommodation or an alternative standard by contacting Human Resources.
If you choose to participate in a HRA and/or biometric screening, information from your HRA and results from your biometric screening will be used to provide you with information to help you understand your current health and potential risks and may also be used to offer you services through the wellness program. You also are encouraged to share your results or concerns with your own doctor.
» Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
» Count any amount you pay for emergency services or out-of-network services toward your deductible and outof-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www.cms.gov/nosurprises for more information about your rights under federal law.
Protections from Disclosure of Medical Information
We are required by law to maintain the privacy and security of your personally identifiable health information. Although the wellness program may use aggregate information it collects to design a program based on identified health risks in the workplace, the wellness program will never disclose any of your personal information either publicly or to the employer, except as necessary to respond to a request from you for a reasonable accommodation needed to participate in the wellness program, or as expressly permitted by law. Medical information that personally identifies you that is provided in connection with the wellness program will not be provided to your supervisors or managers and may never be used to make decisions regarding your employment.
Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to carry out specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of your health information as a condition of participating in the wellness program or receiving an incentive. Anyone who receives your information for purposes of providing you services as part of the wellness program will abide by the same confidentiality requirements..
In addition, all medical information obtained through the wellness program will be maintained separate from your personnel records, information stored electronically will be encrypted, and no information you provide as part of the wellness program will be used in making any employment decision. Appropriate precautions will be taken to avoid any data breach, and in the event a data breach occurs involving information you provide in connection with the wellness program, we will notify you immediately.
You may not be discriminated against in employment because of the medical information you provide as part of participating in the wellness program, nor may you be subjected to retaliation if you choose not to participate.
If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact Human Resources.
This brochure highlights the main features of the Virtuoso 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. Virtuoso reserves the right to change or discontinue its employee benefits plans anytime.