Benefits Summary

Choose from four plans provided by Cigna: High PPO, Standard

PPO, and two High Deductible Health Plan. Telemedicine –
Medical
MDLIVE available for all plans. All plans include extensive
Family Building benefits (infertility assistance)

Two dental plans are available through Delta Dental. The high
Dental plan offer $2,000 deductible for orthodontia. Both plans cover
100% of preventative care by preferred or out-of-network
Cost to Employee
providers.
High PPO Standard QHDHP QHDHP Dental Dental Vision
PPO 3,000 5,000 High Low
Vision coverage through VSP offers employees the ability to get
Vision Employee
an exam and lenses every 12 months $226.95 $76.31 $36.61 $18.30 $14.50 $8.14 $3.68

Employee +
Spouse $563.73 $189.54 $91.44 $45.72 $28.30 $18.29 $7.10
FSAs & Options to set aside pre-tax funds for dependent and/or health
HSAs care costs
Employee +
Child(ren) $440.84 $148.22 $71.43 $35.72 $36.56 $18.87 $6.33
Retirement options through Fidelity. Employer match is 50% of the
401(k) employees’ deferral contribution up to a 3% employer maximum Family
contribution per year. Match is fully vested immediately.
$686.28 $230.75 $111.41 $55.71 $50.78 $27.08 $10.20
Employer paid life insurance and accidental death and Table reflects semi-monthly employee contributions
Life & dismemberment insurance available as well as short-term and
Disability long-term disability options. Employees have option to “buy-
up” the disability coverage.

Voluntary Employee paid voluntary benefits through Cigna include Critical

Benefits Illness coverage, Hospital Indemnity, and Accident Insurance
 Detailed Overview for Medical, Vision, and Dental
Dental Plans

ACA High ACA Low

Deductible In-Network Out-of-Network In-Network Out-of-Network
Individual $50 $50 $50 $50
Family $150 $150 $150 $150
Annual Plan Maximum Medical Plans
Individual $1,500 $1,500 $1,250 $1,250 High PPO Standard PPO $3,000 HDHP (1) $5,000 HDHP (1)
Lifetime Orthodonia Plan Maximum In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Individual $2,000 $2,000 N/A N/A Deductible
Individual $500 $500 $2,000 $4,000 $3,000 $3,000 $5,000 $10,000
Covered Services In-Network Out-of-Network In-Network Out-of-Network Family $1,000 $1,000 $4,000 $6,000 $6,000 $6,000 $10,000 $20,000
Class 1: Preventative & Diagnostic 100% 100% 100% 100% Out-of-pocket maximum
Class 2: Basic Restorative Services 90% 90% 80% 80% Individual $2,500 $5,000 $5,000 $8,000 $5,000 $10,000 $6,550 $13,100
Family $5,000 $10,000 $10,000 $16,000 $10,000 $20,000 $13,100 $26,200
Class 3: Major Restorative Services 60% 60% 50% 50% Coverage / Co-Pay
Class 4: Orthodontia 50% 50% N/A N/A Coinsurance 100% 80% 80% 60% 80% 60% 80% 60%
Preventive services 100% 80% 100% 80% 100% 60% 100% 60%
Vision Plan Deductible then Deductible then Deductible then Deductible then Deductible then Deductible then
Physician office visits $15 copay $20 copay
80% 60% 80% 60% 80% 60%
In-Network Out-of-Network Deductible then Deductible then Deductible then Deductible then Deductible then Deductible then
Specialist $30 copay $40 copay
Benefit Frequency 80% 60% 80% 60% 80% 60%
Deductible then Deductible then Deductible then Deductible then
Urgent care $30 copay $30 copay $40 copay $40 copay
Exam 12 months 80% 80% 80% 60%
Deductible then
Lenses 12 months Telehealth $15 copay Not covered $20 copay Not covered $49 charge Not covered Not covered
80%
Contacts 12 months Hospital services
$250 per Deductible
Frames 24 months Deductible then Deductible then Deductible then Deductible then Deductible then Deductible then
Inpatient/outpatient admission/ then 80%/
80% 60% 80% 60% 80% 60%
Co-pay $30 $40
Deductible Deductible then Deductible then Deductible then Deductible then Deductible then
Exam $10 Up to $45 Emergency room $300 copay $50 copay
then 80% 80% 80% 80% 80% 80%
* All coinsurance payments will begin after deductible has been met (1) If other family members are on the plan, the overall family deductible must be
Cost Share met before the plan begins to pay.
Single Vision Lens Covered in full Up to $30
Lined Bifocals $20 Up to $50
Lined Trifocals $20 Up to $65
Frames $130 Allowance Up to $70

Elective Contacts $130 Allowance Up to $105

Medically Necessary Contacts Covered in full

 Pre-tax funds set aside up to $270 per month for

Additional Benefits Commuter Benefits Transit/Vanpool expenses and Pre-tax set aside up to
$270 per month for Parking expenses

Employee Free, confidential counseling and assistance for resolving

Fidelity Full-time junior and mid level staff members with at least Assistance personal and/or family problems
Student Loan 12 months of tenure are eligible.ACA will provide a $50
Program
Debt Relief direct monthly payment to qualified employee’s creditor
to assist in reducing their student debt faster

This cost-free benefit provides our employees access to

Benefits Hub exclusive discounts, special offers and access to preferred
Discount Program seating and tickets to top attractions, theme parks, shows,
sporting events, movie tickets, hotels and much more
An employee referral bonus will be paid to an employee who
Employee Referral refers a qualified applicant who is hired into a regular full-time
Bonus Program or part-time position
Voluntary Pet Insurance through Nationwide that provides
Pet Insurance coverage on dogs and cats..

Employee Our affinity groups are led by our diverse group of employees
Guide you and your partner through your personal
Resource Groups to ensure that all employees’ voices are heard Maven journey of starting and growing a family. Maven offers
Maternity and numerous maternity and fertility services, such as breast
Fertility milk shipping, fertility tracking, miscarriage counseling for
couples and more.

Provides individuals with access to insurance when a group plan

alternative is necessary. If you’re Medicare-eligible, Mylo can also Wellthy Combines technology with experience care professionals
MYLO assist you in navigating that enrollment process, including finding the to deliver affordable, scalable and high-
Family Care quality care coordination to families.
right Medicare Supplement, Medicare Advantage and Part D plans.

Whether you need to find a new doctor, understand a

Health medical bill or lower your prescription drug costs, Wellworks You will have an opportunity to earn points based on
theWhether
Health Advocate Wellness your participation and completion of various activities.
Advocates you needexperts
to find awill
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Time Off Benefits
The chart below details the time-off awarded annually based upon tenure. Employees working in certain states will receive sick and
vacation time, but the total hours of time off will remain the same:

Carryover
Length of Service Annual Award Days Annual Award Hours (use by March 31)*

0 to 3 years 18 144 40 hours / 5 days

4 to 6 years 24 192 40 hours / 5 days

7 years or more 27 216 40 hours / 5 days

* unless otherwise dictated by local law

ACA also offers:

• Paid Holidays – 9 holidays each year plus one floating holiday
• Anniversary Day Off – In addition to paid time off, employees enjoy their work anniversary day off
• Learning Day – Employees may take up to eight hours per quarter of paid time off in support of their career development
• Salary Continuation for Family Leave – Employees are eligible for salary continuation for certain leaves of absence (after one year
of employment), Maternity Leave and Parental Bonding Leave
• Volunteer Time Off – Employees may take up to eight hours per year of paid time off to volunteer at a non-profit organization
• Employee Assistance Program – Free benefit offering short-term counseling and other resources.