Your 2027 Benefits Open Enrollment

Insured through BlueCross BlueShield of Tennessee

Comprehensive and preventive healthcare coverage is important in protecting you and your family from the financial risks of unexpected illness and injury. A little prevention usually goes a long way—especially in healthcare. Routine exams and regular preventive care provide an inexpensive review of your health. Small problems can potentially develop into large expenses. By identifying the problems early, often they can be treated at little cost. Comprehensive healthcare also provides peace of mind. In case of an illness or injury, you and your family are covered with an excellent medical plan through ArchWell Health. ArchWell Health offers you the choice between the Traditional Plan, a preferred provider organization (PPO) plan, and the Orange Plan, a Qualified High Deductible Health Plan (QHDHP). Both plans utilize BlueCross BlueShield of Tennessee Blue Network. 

PLAN CHOICE: IT’S PERSONAL.
HOW DOES THE COVERAGE FIT TOGETHER?
There is no “right” plan for everyone. It is a personal decision based on your medical care needs.

ORANGE PLAN AND HEALTH SAVINGS ACCOUNT (HSA)

• Less costly premium, higher deductible
• Your personal HSA contribution is not front-loaded, so you could incur medical bills to pay out of pocket early in the year
  » However, if this happens, you may reimburse yourself later in the year with funds from your HSA
• Your HSA doesn’t expire at the end of the year, it is not a ’use it or lose it’ account and is your money even if you leave ArchWell Health
• Once your HSA account reaches a balance of $2,000 you can invest it, similar to a 401(k)
• HSA employer contributes $1,000 Single/$2,000 Family

TRADITIONAL PLAN AND HEALTHCARE FLEXIBLE SPENDING ACCOUNT (FSA)

• FSA is fully funded by colleague
• More costly premium, lower deductible
• Your FSA contribution is front loaded to minimize unexpected out of pocket expenses
• Your FSA expires at end of year– this is a ‘use it or lose it’ account

ORANGE AND TRADITIONAL PLANS
HOW THE PLANS ARE THE SAME:

• Covered services and network discounts
• Network of providers
• Free preventive care
• Covered prescription drugs (but deductibles differ by plan)

• Learn More
• Find a Doctor

Additional added programs through BlueCross BlueShield of Tennessee:

• 24/7 Nurseline: On call nurses 24/7 via phone to help answer health-related questions and decisions about appropriate levels of
  care.
• Teladoc Health: Using a phone, website, or application you can connect with a doctor and have a consultation anytime anywhere.
  Use Teladoc for conditions such as cold, flu, fever, allergies, pink eye , earaches, nutrition counseling, mental health care and more!
• Diabetes Management: Offers eligible members a way to manage their diabetes with the tools and personalized support they
  need. Cost savings and outcomes. Features include:
  » Cellular glucose meter
  » Test strips and lancets
  » Mobile app
  » Unlimited access to live, phone coaching sessions with personalized support
  » 24/7 remote blood glucose monitoring with real time alert outreach
  » Ability to connect wearable devices
  » Healthy summary report
• Digital MSK Clinic: Supporting Members for back, knee, hip, shoulder & neck musculoskeletal conditions as well as pelvic floor therapy.
• Blue 365 Member Discounts: Exclusive health and wellness deals to all members nationally as an added value. Discounts and savings on products and services such as:
  » Financial Health
  » Fitness and Fitness Devices
  » Health Eating
  » Lifestyle: workout apparel
  » Personal care: hearing aids, vision
  » Wellness: vitamins/supplements
• Healthy Maternity: Program to support positive outcomes for both birth mother and baby.
  » Member self-enroll
  » Confidential maternity health advice from RNs and Care Managers
  » Personalized one-on-one support
  » Telephonic or Digital
  » Educational materials through pregnancy
  » Online pregnancy resources
  » Breastfeeding support
  » Special gifts for moms who enroll by week 20
  » Integration into High-Risk Maternity and Behavioral health programs if applicable

Personify Health

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Insured through Pinnacle

YOU ARE ELIGIBLE TO FUND AN HSA IF:

• Enrolled in an HSA eligible High Deductible Health Plan through your employer (Orange Plan)
• Your spouse does not have a Healthcare Flexible Spending Account or a Health Reimbursement Account during 2026
• You are not eligible to be claimed as a dependent on someone else’s tax return
  » Does not apply to spouses
• You are not covered by your spouses non-HDHP plan
  » Your spouse can have an individual plan; they cannot cover you
• You are not enrolled in Medicare or TRICARE
• You have not received Department of Veterans Affairs medical benefits in the past 90 days for non-service-related care
  » Service-related care will not be taken into consideration

DO YOU WANT TO TRANSFER A PRIOR HSA?

You must elect to open an account during your enrollment period before the transfer can be requested

• IRS-Qualified Expenses

WHEN YOU FUND AN HSA:

• Contributions are made pre-tax
• Use your account to pay for eligible expenses
• Its your account; you own it! The funds roll over each year and it’s portable-even if you retire or leave ArchWell Health
• For 2026, contributions are limited to the following: $4,400 for colleague only coverage and $8,750 for all other tiers
• Catch up contribution limit for age 55 and above remains $1,000

QUALIFIED EXPENSES INCLUDE:

• Medical, pharmacy, and dental deductibles and co- insurance
• Medical, pharmacy, dental, and vision care services
• Medical expenses for your spouse and dependents (even if they aren’t covered under your plan)
• See a complete list at IRS-Qualified Expenses

Insured through Pinnacle

HEALTHCARE FSA HIGHLIGHTS

• This is a “use it or lose it” benefit, you forfeit any money you don’t use by the end of the calendar year
• Contributions are made pre-tax
• Use your account to pay for eligible expenses
• For 2026, the annual contributions are limited to $3,400
• If you are enrolled in the Orange Plan and enroll in an FSA, you will be disqualified from having an HSA and receiving ArchWell Health’s HSA contributions

HEALTHCARE FSA ELIGIBLE EXPENSES INCLUDE

• Medical/pharmacy deductibles and coinsurance
• Medical, pharmacy, dental, and vision care services/products
• You can use your FSA account to pay for expenses for your eligible dependents, (even if they are not covered under your plan)

DEPENDENT CARE FSA HIGHLIGHTS

• This is a “use it or lose it” benefit, you forfeit any money you don’t use by the end of the calendar year
• Contributions are made pre-tax
• Use your account to pay for eligible dependent care expenses for dependent children younger than 13 and dependents incapable of caring for themselves/elder care
• For 2026, the annual contributions are limited to $7,500
• All colleagues are eligible for this plan, regardless of medical plan election, provided they have eligible dependents

DEPENDENT CARE FSA ELIGIBLE REIMBURSABLE EXPENSES

• Childcare center
• Nanny costs
• Day camp
• After school care
• Preschool
• Eldercare

Insured by Lincoln Financial Group

LINCOLN EMPLOYEE CONNECT

ArchWell Health’s Employee Assistance Program (EAP) through Lincoln Financial Group - ComPsych is available to all ArchWell Health colleagues at no cost and provides support and resources to help you, and your family, with a range of issues including:

• Managing stress, anxiety and depression
• Improving relationships at home or at work
• Getting guidance on legal and financial concerns
• Coping with occupational stress and burnout support
• Addressing substance use issues

EAP provides 5 free counseling sessions per incident, per year, with an unlimited number of incidents. Services are completely confidential and will not be shared with ArchWell Health.

Lincoln Financial Group - ComPsych EAP Contact Information:

• Phone: 888-628-4824
• Website: GuidanceResources.com
• Username: LFGSupport
• Password: LFGSupport1

Insured by Lincoln Financial Group

ArchWell Health provides you with both Basic Life Insurance and AD&D (Accidental Death and Dismemberment) as a part of your employment. Life insurance provides financial security for the people who depend on you. Accidental Death and Dismemberment (AD&D) insurance provides payment to you or your beneficiaries if you lose a limb or die in an accident.

• Basic Life Insurance of 2x your annual salary (max $350,000)
• AD&D benefits of 2x your annual salary (max $350,000)
• You do not need to enroll for this coverage

KEY POINTS

• Enter a beneficiary in Dayforce – even if you do not sign up for other benefits!
• Keep coverage ArchWell Health provides in mind when considering voluntary life and AD&D options

Insured by Lincoln Financial Group

Colleagues are given the opportunity to purchase additional Voluntary Term Life Insurance. At the time of initial enrollment, eligible Colleagues can enroll in the Voluntary Life plan up to the guaranteed issue amounts without completing a Statement of Health Form to prove evidence of good health.

For amounts selected over the guarantee issue amount (Colleague: $150,000) or if you and/or your dependents are enrolling after your initial enrollment period, a Statement of Health Form will be required.

The cost for Voluntary Life Insurance varies by your age and the benefit amount you elect. You can obtain your personalized rates when you enroll.

• Learn More

Note: You must first enroll in some level of Colleague Voluntary Life in order to enroll in either the Spouse/Domestic Partner Life and/or Child Life. The Spouse/Domestic Partner and Child Life amounts may not exceed 50% of the Colleague’s elected amount.

Voluntary Life Insurance requires a Statement of Health Form to be completed for all late applicants (those who did not enroll when they first became eligible as new hires or newly benefits eligible due to a status change) and for any amount above the guaranteed issue amount for both Colleague and Spouse.

Insured through Lincoln Financial Group

Disability insurance will cover part of your salary, should you become disabled due to a nonwork-related injury or illness. The protection pays you a percentage of your salary, up to a specified amount and continues to pay you until you return to work or a specified length of time.

ArchWell Health understands the importance of protecting its colleagues’ long-term income, and automatically enrolls you in Long Term Disability insurance at no cost!

Colleagues with less than 3 years of employment have the opportunity to purchase Voluntary Short Term Disability insurance at group rates. Colleagues with 3 or more years of employment will automatically be enrolled in Short Term Disability insurance at no cost!

• Learn More

VOLUNTARY SHORT-TERM DISABILITY
Available for colleagues with less than 3 years of employment to purchase.

EMPLOYER PAID SHORT-TERM DISABILITY
Automatic enrollment for colleagues with 3 or more years of employment at no cost.

EMPLOYER PAID LONG-TERM DISABILITY
Automatic enrollment for all colleagues at no cost.

Pre-Existing Limitations: There is a pre-existing condition clause, whereby conditions treated for in the 3 months prior to the effective date of your Long-Term Disability insurance will not be covered for the first 12 months following the effective date of your Long-Term Disability insurance

Insured by Lincoln Financial Group

Accident insurance provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident, or for accidental death or dismemberment. These benefits are paid directly to you and may be used for any reason, from deductibles, and prescriptions to transportation and child care. These benefits are paid on top of what your medical insurance covers and can be used at your own discretion.

• Learn More

ACCIDENT INSURANCE
Click below for a list of some of the benefits (for a complete list of benefits, exclusions, and limitations, please refer to the Certificate of Coverage):

NOT A REPLACEMENT FOR MEDICAL COVERAGE
These plans have limitations and exclusions, and they DO NOT replace your medical plan. 

Insured by Lincoln Financial Group

Critical illness insurance provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis, cancer, and more. These benefits are paid directly to you and may be used for any reason, from deductibles and prescriptions to transportation and child care. This benefit is paid on top of what your medical and life insurance covers and can be used at your discretion.

• Learn More

THIS PLAN IS NOT A REPLACEMENT FOR MEDICAL COVERAGE
These plans have limitations and exclusions, and they DO NOT replace your medical plan.
The cost of Critical Illness insurance varies by age and coverage amount. You can obtain your personalized rates when you enroll.

Insured by Lincoln Financial Group

Hospital indemnity insurance provides a range of fixed, lump-sum benefits for hospital confinement, as a result of an off-job accident or sickness, whether it is an emergency, pre-planned, elective, or necessary. These benefits are paid directly to you and may be used for any reason, from deductibles and prescriptions to transportation and childcare. These benefits are paid on top of what your medical insurance covers and can be used at your own discretion.

• Learn More

NOT A REPLACEMENT FOR MEDICAL COVERAGE
These plans have limitations and exclusions, and they DO NOT replace your medical plan.

All colleagues are eligible to contribute to our 401(k) Retirement Option.

• You should receive an e-mail from Fidelity within your first two weeks of hire
• Colleagues will be automatically enrolled with a 3% pre-tax enrollment to start the conversation
• You are NOT required to keep the automatic enrollment—adjust your contributions on Fidelity’s website
• 1% annual increase at the beginning of March.

CONTRIBUTION OPTIONS

• Pre-tax or post-tax Roth contributions available
• You may contribute from 1% to 50% of eligible pay up to $23,000
• If 50 or older by the end of 2025, you may elect an additional $7,500 in “catch-up” contributions
• Rollover Options are Available

COMPANY MATCH

• After one your of service, you are eligible for matching funds from ArchWell Health
• 100% match on the first 3% contribution, 50% match on contributions on the next 3%
• Contribute 6% each pay period to maximize match (4.5% matching funds)

VESTING

• Vesting is the amount of time you need to be in the plan before you can keep the employer contributions
• ArchWell Health colleagues are fully vested after two years of service
• Prior service with UnitedHealth Group and any of its affiliates will count towards your vesting schedule
• Your personal contributions are always 100% vested!