Society Mortgage 2025-2026 BENEFITS GUIDE
Welcome
We are pleased to offer a full benefits package to help protect your well-being and financial health. Read this guide to learn about the benefits available to you and your eligible dependents starting October 1, 2025, through September 30, 2026.
Each year during Open Enrollment, you may make changes to your benefit plans. The benefit choices you make this year will remain in effect through September 30, 2026.
Take time to review these benefit options and select the plans that best meet your needs. After Open Enrollment, you may only makechanges to your benefit elections if you have a Qualifying Life Event.
Eligibility
Employees, you are eligible if you are a full-time employee working 30 or more hours per week. Employees with variable hours and seasonal schedules may be considered eligible for benefits. When you can enroll. If you’re a new employee, your benefits will become effective the first of the month following your date of employment You must enroll within 30 days of becoming eligible. Existing employees can enroll during the annual open enrollment period. If you missthe enrollment deadline, you'll need to wait until the next open enrollment.
Eligible Dependents Include
• Legally married spouse
• Biological, adopted, or stepchildren up to age 30
• Children over age 30 who are disabled and depend on you for support
• Children named in a qualified medical child support order (QMCSO).
Qualifying Life Events
Once you elect your benefit options, they remain in effect for the entire plan year until the following Open Enrollment. You may only change coverage during the plan year if you have a Qualifying Life Event, some of which include:
• Marriage, divorce, legal separation, or annulment
• Birth, adoption, or placement for adoption of an eligible child
• Death of your spouse or child
• Change in your spouse’s employment status that affects benefits eligibility
• Change in your child’s eligibility for benefits
• Significant change in benefit plan coverage for you, your spouse, or child
• FMLA leave, COBRA event, court judgment, or decree
• Becoming eligible for Medicare, Medicaid, or TRICARE
• Receiving a Qualified Medical Child Support Order (QMCSO)
If you have a Qualifying Life Event 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 details.
Employee ResponseCenter
Society Mortgage Wellness Resources
Employee Assistance Program
Available to ALL full-time employees
Get up to three free sessions per issue, per year with the Mutual of Omaha Employee Assistance Program (EAP). Licensed counselors are available 24/7 to help with stress, grief, addiction, or relationship concerns. You will also find help with legal, financial, childcare, or elder care needs. Visit mutualofomaha.com/eap or call 1-800-316-2796 to get started.
Lucet Behavioral Health
Florida Blue health plan has partnered with Lucet to guide you to the right provider or behavioral health resources. Lucet can help with treatment for depression, anxiety, substance abuse, ADHD and They will help locate an in-network provider or facility and assist in coordinating care. Call 866-2879569 to get started.
meQuilibrium
meQuilibriumis a no-cost digital mental health program that helps you manage stress, anxiety, depression, and more. Begin a personalized journey created just for you. Easy-to-do activities and short videos will help you learn new ways to build resilience all at your own pace. Look for meQuilibrium in the Find and Get Care section of your floridablue.com account.
Have Questions on Your Health Plan?
You may have questions about how your plan works. Or need help finding doctors, wellness programs or community resources. You can get one-on-one support from a Florida Blue Center nurse, community specialist or local sales and service specialists. Visit floridabluecenters.com or call 877-352-5830 to talk with a member of your local Florida Blue Center team.
Pregnancy and Maternity Care
If you’re a mom-to-be, let the Healthy Addition® Prenatal Program be your go-to resource. Nurses will walk you through the steps of a healthy pregnancy, birth and baby, and also supply you with materials and gifts. This educational program is especially important if you have a high-risk pregnancy. Email HealthyAddition@FloridaBlue.com to enroll or call 800955-7635 (option 6.)
BetterYou Strides
Live healthier with help from Better You Strides, an online health and wellness program personalized to your needs. Reach your wellness goals with this interactive platform offering health assessments, selfguided courses, coaching, fitness tracking and more. Earn points for up to $100 in rewards! Find the Better You Strides program under Health and Wellness when you log in to your member account at floridablue.com
Next Steps Health Coaching
Individual health coaching can support your journey toward optimal health through education and motivation. It’s available to you at no extra cost. Receive one-on-one support to help with healthy eating habits, lose weight, manage stress, quit using tobacco product, etc. Email nextsteps@floridablue.com to enroll or call 800-477-3736 (ext. 54837.)
Blue Virtual Care
Get convenient care from home or on the go for you or a family member on the plan. Schedule a visit for a physician for common conditions such as a cold, flu or allergies or visitwith a dermatologistor mental health provider. Visit floridablue.com or login on your Florida Blue app to find a doctor and schedule your visit.
Amazon Pharmacy Home Delivery
Amazon Pharmacy offer a home delivery service that lets you easily order and quickly get your non-specialty prescriptionmedication delivered at home. You get access to MedsYourWayprescription drug discounts card pricing which gives you up to 80% savings on brand and generic medications. To learn more, call the number on the back of your ID card and say “pharmacy” or visit floridablue.com
Medical Coverage
The medicalplan options through Florida Blue protect you and your familyfrom major financial hardship in the event of illness or injury. You have a choice of 3 plans:
1.BlueCare Predictable Cost 58 (HMO- Florida residents)
2.Blue Options Predictable Cost 05788 (PPO)
3.Blue Options 05182 / 05183 (HDHP Individual / HDHP Family)
Health Maintenance Organization (HMO)
Withan HMO, you must seek care from in-network providers in the vendor HMO network. The selection of a primary care physician is required, and you need a referral to see a specialist. Always confirm that your doctors and specialistsare in-network before seeking care.
Preferred Provider Organization (PPO)
A PPO allows you to see any provider when you need care. When you see in-network providers for care, you will pay less and get the highest level of benefits. You will pay more for care if you use non-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.
High-Deductible Health Plan (HDHP)
An HDHP allows you to see any provider when you need care, and you will pay less for care when you go to in-network providers. In exchange for a lower per-paycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account.
Medical Coverage
Health Savings Account
A Health Savings Account (HSA) is a tax-exempt tool to supplement your retirement savings and to cover current and future health costs.
An HSA is a type of personal savings account that is always yours, even if you change health
Opening an HSA
If you meet the eligibility requirements, you plans or jobs. The money in your HSA (including may open an HSA administered by Florida interest and investment earnings) grows tax-free Blue. You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA. To open an account, go to www.floridablue.com
and is spent tax-free if used to pay for current or future qualified medical expenses. There is no “use it or lose it” rule; you do not lose your money if you do not spend it in the calendar Year, and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
• Enrolled in an HSA-eligible HDHP
• Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
• Not enrolled in a Health Care Flexible Spending Account
• Not eligible to be claimed as a dependent on someone else’s tax return
• Not enrolled in Medicare, Medicaid, or TRICARE
• Not receiving Veterans Administration benefits
You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered by the HDHP
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amount established by the Internal Revenue Service. The 2025 annual contribution maximum is based on the coverage option you elect.
• Individual – $4,300
• Family – $8,500
• Age 55+: $1,000 extra per year 2026
• Individual – $4,400
• Family – $8,750
• Age 55+: $1,000 extra per year
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at any time during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
Important HSA Information
• Always ask your network doctor to file claims with your medical, dental, or vision carrier so you will get the highest level of benefits. You can pay the doctor with your HSA debit card for any balance due.
• You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
• You may open an HSA at the financial institution of your choice, but only accounts opened through the bank are eligible for automatic payroll deduction and company contributions.
WHERE TO GO FOR HEALTH CARE
When you need medicalattention, you should go to your primary care doctor whenever you can. Your doctor knows you best and has quick access to your medicalrecords. However, there are timeswhen you might need to go to a facility other than your doctor’s office. This list shows examples of various care providers and the services they generally provide. The cost of medical care can vary widely. Your cost depends on where and how you receive care. Knowing the facts can help you manage your health and your health care dollars.
Affordable Access to Elective & Wellness Care
Exclusive Member Discounts • ImmediateSavings • Simple Enrollment
What Is Beyond Med?
Beyond Med is not insurance It is a licensedDiscount Plan Organization that gives members immediate access to reduced rates on voluntary, elective, cosmetic,and wellness services through a curated provider network. Members may save up to 20% with no waiting periods.
How It Works
1. Sign Up Enroll online in minutes, with optional customer support assistance.
2. Select a Provider Choose from board-certified doctors and licensedproviders.
3. Start Saving Show your Beyond Med ID card and receive discountedrates immediately.
Services Include
Acupuncture • Bariatric Services • Chiropractic Care • Dermatology • Fertility
Services • Hair Restoration • Hearing Services • IV Therapies • Medical Marijuana Consultations• Med Spa
Services • Mental Wellness• Physical Therapy • Plastic Surgery • Surgical Vision • Vitamin Infusions• WeightLoss
• and more
Member Benefits
Immediate savings with no waiting periods
Transparent pricing with no hidden fees
No unauthorized provider surcharges
Easy enrollment for individuals and families
Simple Monthly Pricing
Individual $11.99 / month
Family $23.99 / month
Have questions?
Beyond Med Plans Inc. (BMP) is not insurance. BMP provides access to discounts at participating healthcare providers. Members are responsible for paying the discounted rate directly to the provider.
Beyond Med Plans Inc. | 4500 Biscayne Blvd, Suite 306, Miami, FL 33137
Phone: 844-267-6192 | Email: info@beyondmedplans.com
Employer Partner: Society Mortgage
Vision Coverage
Our vision plan offers quality care to help preserve your health exams can detect certain medical issues such as diabetes and high cholesterol, and eye problems. You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see an in-network provider. Coverage is provided through Mutualof Omaha.
Life and AD&D Insurance
Life and AccidentalDeath and Dismemberment (AD&D) insurance is provided through Mutual of Omaha.
Basic Life and AD&D insuranceare provided to you at NO COST,and you are automatically covered for $10,000 for each benefit!! Life and AD&D coverage amounts reduce if you are age 65 by 65% and 50% at age 70. Voluntary Life and AD&D Rates per $1,000
Voluntary Life and AD&D
You may buy more Life and AD&D insurance for you and your eligible dependents. If you do not elect Voluntary Life and AD&D insurance when first eligible or if you want to increase your benefit amount later, you may need to show proof of good health. You mustelect Voluntary Life and AD&D coverage for yourself before you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you.
Voluntary Life and AD&D
Employee
Increments of $10,000, up to $500,000. Not to exceed 5 times your annual salary. Guaranteed issue of $100,000. Spouse Increments of $5,000 up to $250,000 or 100% of employee benefits. Guaranteed issue of $25,000.
Child(ren) $10,000
1 Spouse rate is based on the employee’s/spouse’s age.
Designating a Beneficiary
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies. You can name more than one beneficiary, and you can change beneficiaries at any time. If you name more than one beneficiary, you must identify how mucheach beneficiary will receive (e.g., 50% or 25%).
Disability Insurance
Voluntary Short-Term Disability
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We offer Short Term Disability (STD) as a voluntary benefit to you through Mutual of Omaha.
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.
Short Term Disability
Available Services
When You Need
HelptheMost
Life isn’t always easy. Sometimes a personal or professional issue can affect your work, health and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone.
With Mutual of Omaha’s Employee Assistance Program, you can get the help you need so you spend less time worrying about the challenges in your life and can get back to being the productive worker your employer counts on to get the job done.
Learn more about the Employee Assistance Program services available to you.
Visit the Employee Assistance Program website to view timely articles and resources on a variety of financial, well-being, behavioral and mental health topics. mutualofomaha.com/eap or call us: 1-800 -316-2796
• An in-house team of Master’s level EAP professionals who are available 24/7/365 to provide individual assessments
• Outstanding customer service from a team dedicated to ongoing training and education in employee assistance matters
• Access to subject matter experts in the field of EAP service delivery
• Three sessions per year (per household) conducted by either faceto-face* counseling or video telehealth via a secure, HIPAA compliant portal
• National network of more than 10,000 licensed clinical providers
• Network continually expanding to meet customer needs
• Flexibility to meet individual client/member needs
• Etc.
Will Preparation Services
Create your will at www.willprepservices.com and use the code MUTUALWILLS to register
Creating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you die. Whether you’re single, married, have children or are a grandparent, your will should be tailored for your life situation.
That’s why it’s good you have access to FREE online will preparation services provided by Epoq, Inc (Epoq)
Easy, Free and Secure
Epoq offers a secure account space that allows you to prepare wills and other legal documents. Create a will that’s tailored to your unique needs from the comforts of your own home.
Epoq provides the following FREE documents: -Last Will and Testament -Power of Attorney -Healthcare Directive -Living Trust
Here’s how it works:
•Log on to www.willprepservices.com and use the code MUTUALWILLS to register
•Answer the simple questions and watch the customization of your document happen in real time
•Download, print and share any document instantly
•Don’t forget to update your documents with any major life changes, including marriage, divorce, and birth of a child
•Make the document legally binding Check with your state for requirements
Services provided by Epoq, Inc.
WORLDWIDE TRAVEL ASSISTANCE THAT TRAVELS WITH YOU
Emergency Travel Support Services
Take comfort in knowing that Travel Assistance* travels with you worldwide, offering access to a network of professionals who can help you with local medical referrals or provide other emergency assistance services in foreign locations.
Enjoy Your Trip
We’ll Be There If You Need Us 24/7
Travel Assistance can help you avoid unexpected bumps in the road anywhere in the world. For you, your spouse and dependent children on any single trip, up to 120 days in length, more than 100 miles from home.
Pre-trip Assistance**
Minimize travel hassles by calling us pre-departure for:
• Information regarding passport, visa or other required documentation for foreign travel
• Travel, health advisories and inoculation requirements
• Domestic and international weather forecasts
• Daily foreign currency exchange rates
• Consulate and embassy locations
• Translation and Interpreter Services for emergency situations while traveling internationally
• Telephonic translation and interpreter services 24/7 access to telephone translation services
• Locating legal services referrals for local attorney or consular offices and help maintain business and family communications until legal counsel is retained (includes coordination of financial assistance for bonds/bail)
• Baggage assistance with lost, stolen or delayed baggage while traveling on a common carrier
• Emergency payment and cash assistance with advance of funds for medical expenses or other travel emergencies by coordinating with your credit card company, bank, employer, or other sources of credit; includes arrangements for emergency cash from a friend, family member, business or credit card
• Emergency messages assistance with recording and retrieving messages between you, your family and/or business associates at any time
• Document replacement coordination of credit card, airline ticket or other documentation replacement
• Vehicle return if evacuation or repatriation is necessary, return your unattended vehicle to the car rental company
Worldwide Travel Assistance
This brochure highlights the main features of the Society Mortgage 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. Society Mortgage reserves the right to change or discontinue its employee benefits plans at any time.
