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Benefits Guide

2027 Effective January 1st,2027 Summary for Review Purposes Only

Table of Contents 3

Prepare for Enrollment

Eligibility & Important Notes

Qualified Life Events & Preventive Care

Service Hub/Support Center

Voluntary Benefits Claim Instructions

Employee Assistance Program

Mutual of Omaha Additional Resources

10-11 12

Health Insurance 101

13-14

Medical Plan (State Health Benefit Plan)

BCS Marriage Healthcare Discount Plan

16-17

Dental Plan

Vision Plan

Get the most out of your Dental and Vision Plans

Disability Plans

Life Insurance 101

Basic Life and AD&D

Voluntary Term Life and AD&D

Permanent Life Insurance

Hospital Indemnity Plan

Accident Plan

Critical Illness Only or w/Cancer Plan

Cancer Plan

Wellness Incentives

30-31

FSA and Helpful FSA Resources

Legal Plan

MedCareComplete

Bryan County Schools 403(b), 457, and Auto

35-38 39

Enrollment in Benefits - Take Action

Bryan County Schools offers a comprehensive and valuable benefits program to all eligible employees. Our benefits package is designed to provide security and assistance during a time of need. Please become familiar with the various options and select the best coverage for the upcoming plan year.

Need help? Start Here: mybenefits@campusbenefits.com 866.433.7661, opt. 5

Bryan County Schools Contact: Meridyth Padgett Director of Employee Relations mpadgett@bryan.k12.ga.us Human Resources Department humanresources@bryan.k12.ga.us

Campus Benefits For Me Notes

Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Prepare for Enrollment Prepare for your New Hire Enrollment or Open Enrollment by asking yourself the following questions: How did my benefits work for me this year? What plans will meet my needs? Do I have any health changes that need to be addressed? Do I have any family health history that I should be considering? Any family changes on the horizon? Are there any questions I have on what is offered or how to use the benefits offered?

Keeping P.A.C.E. with Your Benefits

P A C E

Participate Attend a benefits meeting Assess Review plan options and evaluate family needs Complete Submit benefit elections on time Embrace Document your choices, share important plan information with family and keep benefit details for future reference.

Eligibility Benefits Eligible Employees:

Waiving Coverage

Generally, full-time employees working 20 or Employees who choose to waive/decline any more hours a week are eligible to enroll in the benefits for themselves or their dependents will various benefits described throughout the not be eligible to enroll until open enrollment guide. (Certain rules may apply per benefit) for each plan without a Qualifying Life Event. Eligible family members may be enrolled under certain plans when elected by the employee. Additional Rules: Specific employee and dependent eligibility Eligible family members include: rules are governed by each plan’s policy Your legally married spouse document/certificate; available on the employee Your unmarried children who are your natural benefits website, or by contacting Campus children, stepchildren, adopted children, or Benefits. children of whom you have legal custody (age Employees must be actively at work on effective restrictions may apply) up to the age of 26. date. Disabled children age 26 or older who meet certain criteria may continue on your coverage.

When Do Benefits Begin?

When Do Benefits End?

The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin the first of the month following 30 days of employment. Basic Life and AD&D begin on your hire date. For all benefits, employees must be actively at work on the effective date of coverage. New hires must complete enrollment within 30 days of hire date, prior to effective date of coverage. Supporting documentation is required to be submitted to process qualifying life events.

Upon termination of employment, the benefits end date may vary by benefit, but typically end at the end of the month after your last payroll deduction. However, Flexible Spending Accounts end at the end of the month of your last payroll deduction. Please consult with a Campus Benefits advisor on your specific end date for portability options for any current coverages.

Important Notes: This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important to review each benefit’s summary plan description (SPD) and other carrier materials before making any selections. Remember: Review the plan options and/or update beneficiaries annually for all benefits including Basic Life and Voluntary Term Life & AD&D. Carefully review your plan options and consider which ones best meet your needs. Make elections during the assigned enrollment period to receive coverage for the upcoming plan year. Enrollment requires dependent information, including Social Security numbers and dates of birth.

When can I change my benefits? Employee benefit elections are allowed as a new hire and during the annual open enrollment period. The selected benefits will remain in effect throughout the plan year. Plan year is from January 1st to December 31st. Qualifying Life Events: Each year during open enrollment, you will have the opportunity to make changes to your benefit elections for yourself and your covered dependents. Outside of open enrollment, you must experience a qualifying event that satisfies federal regulations outlined below: Marriage, legal separation or divorce Birth or adoption of a child Death of a covered dependent Loss or gain of other coverage (e.g. spouse loses job-based coverage) Change in employment status (e.g. full-time to part-time or vice versa) Change in dependent eligibility (e.g. child turns 26 and ages out of coverage) Relocation that affects coverage options (e.g. moving out of a plan’s service area) Court order requiring coverage for a dependent (e.g. through legal guardianship or custody) Entitlement to Medicare IMPORTANT NOTE: Campus Benefits must be notified of any qualifying life events within 30 days. You will need to submit supporting documentation to process your life event. Please keep any records of the above occurrences.

Wellness and Health Management: Preventive Care Understanding the full value of covered benefits allows you to maintain good health and build healthy habits. Through State Health Benefit Plan (SHBP), preventive services recommended by the U.S. Preventive Services Task Force are covered at 100% under the Affordable Care Act (i.e. Health Care Reform) when using in-network providers.

Which Preventive Care Services are Covered? Routine Physical Exam Well Woman Visits Routine Bone Density Test Routine Gynecological Exam Obesity Screening and Counseling Routine Prostate Test Routine Mammograms Smoking Cessation Health Counseling for STDs and HIV Screening and Counseling for Domestic Violence

Well Baby and Child Care Immunizations Routine Breast Exam Screening for Gestational Diabetes Routine Colonoscopy Routine Lab Procedures Routine Pap Smear Health Education/Counseling Services Testing for HPV and HIV See SHBP page for additional details

Service Hub/Support Center Claim Instructions What can Campus Benefits help you with? Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

Claims Card Requests Benefit Questions COBRA Information

Campus Benefits is your dedicated advocate for all your voluntary benefits. Common Questions Am I required to contact Campus Benefits to file a claim? No. However, in our experience, the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with a Campus Benefits’ claim specialist, we can advocate on your behalf. How can I access my dental card or vision card quickly? Your group dental and vision information is available at www.bryancountybenefits.com

Voluntary Term Life Part 1: Employer Completes Part 2: Employee Completes Sign authorization to release personal information Supply death certificate (employees can submit claim form before obtaining death certificate to get the process started)

Disability Section 1: Employee Completes Sign authorization to release personal information Sign authorization to release personal information to employer For direct deposit, complete electronic transfer form Provide voided check copy Section 2: Employer Completes Section 3: Physician Completes

The Campus Benefits team understands the claims process and leverages the necessary carrier relationships to expedite the paperwork efficiently to ensure claims are not delayed due to improper paperwork completion. Phone: 866.433.7661, Opt 5 Email: mybenefits@campusbenefits.com Website: www.bryancountybenefits.com REMINDER: Make sure your physician completes their portion if needed.

Voluntary Benefits Claim Instructions Required for all voluntary benefits claims: UB-04 form for Hospital Visits: Request a UB-04 (CMS-1450) from the hospital billing department. This provides details of hospital services and charges and can help ensure all eligible benefits are considered. Explanation of Benefits (EOBs) from your health insurance

Hospital Indemnity Admission & discharge dates, including room type (ICU and/or Non-ICU) Diagnosis, treatment details/records and discharge papers Auto-accident claims: Police report and if applicable, toxicology or blood-screening results.

Critical Illness Medical records supporting the condition, such as doctors’ notes, test results, and other relevant treatment records Proof of diagnosis, such as a pathology report or other supporting medical evidence Applicable hospital records, such as admission and discharge summaries Any additional documentation supporting the diagnosis or condition

Accident Medical documentation showing the patient’s name, dates of service, diagnosis, and treatment or procedure Itemized medical bills and ER discharge papers If hospitalized, include admission/discharge dates and room type (ICU or non-ICU). Auto-accident claims: Police report and, if applicable, toxicology or blood-screening results

Cancer Proof of diagnosis, such as a pathology report. If the diagnosis was based on clinical information rather than pathology, provide the medical evidence supporting the diagnosis. Medical and treatment records, such as test results, progress notes, discharge summaries, operative reports, or consultation reports Applicable bills or receipts for hospital care, chemotherapy, radiation, anesthesia, ambulance, transportation, or lodging

How to Submit Your Claim: Step 1 - Request claim forms from Campus Benefits or pull from benefits website Step 2 - Collect all applicable documentation (see above) Step 3 - Upload securely through the benefits portal: (www.bryancountybenefits.com/contact-campus) Step 4 - Campus Benefits will review, confirm and submit to the carriers REMINDER: Make sure your physician completes their portion if needed. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Employee Assistance Program (EAP)

What is an EAP? It’s a program offered to Bryan County Schools employees to provide guidance with personal issues, planning for life events or simply managing daily life which can affect your work, health and family. Coverage through Mutual of Omaha Available for all Bryan County Schools employees, their household members and dependent children up to age 26 Provides support, resources, and information for personal and work-life challenges Visit the Employee Assistance Program website to view timely articles and resources on a variety of financial, well-being, behavioral and mental health topics. CALL 1-800-316-2796 or visit www.mutualofomaha.com/eap

EAP can help with:

EAP Benefits 24/7 Access Reach an EAP professional anytime, day or night

Emotional well-being Stress, anxiety, depression and more

5 face-to-face sessions* Up to five sessions per issue, per calendar year with a counselor (For employees and dependents)

Family and relationships Communication, parenting, marriage and more Legal and financial matters Legal guidance, financial tools and resources

Legal assistance & financial resources Online will preparation Legal library and online forms Financial tools and resources

Healthy lifestyles Wellness and overall well-being Work and life transitions Career changes, burnout, retirement and more

Additional resources Resources for substance use and other addictions Dependent and elder care resources Online resources Educational articles, handouts and resources via www.mutualofomaha.com/eap

Important Notes: *Face-to-face visits can also be used toward legal consultations. *Sessions can be virtual or in-person

See the Additional Resources page for additional resources provided free of charge to all benefits eligible employees.

EAP Plan Rates Coverage provided for by Bryan County Schools at no cost to you.

Mutual of Omaha

Additional Resources

Additional Benefits to Support Your Wellbeing and Peace of Mind As part of your Mutual of Omaha benefits package, you have access to additional services such as a hearing discount program, identity theft assistance, travel assistance, and will preparation services. Available to all benefit eligible employees, no enrollment requirement.

Hearing Discount Program

Worldwide Travel Assistance

Enjoy savings and support through Amplifon Hearing Health Care. Variety of industry leading brands’ hearing aids to choose from 60-day risk free trial with money back guarantee 3 year warranty for loss, repairs or damage Follow up care, battery supplies and financing options available Family and friends receive a discount Call Amplifon at 1-888-534-1747 to speak with a Patient Care Advocate who will connect you with a provider near you To learn more, visit: www.amplifonusa.com/mutualofomaha

Feel secure knowing you and your family are covered while traveling more than 100 miles from home. 24/7 emergency support for medical referrals, legal help and translation services Pre-trip planning support including passport/visa requirement, health advisories, and currency exchange rates Assistance with lost baggage, emergency cash, emergency messages between you and others, vehicle return and document replacement (credit card, passport, tickets) Call World Travel Assistance at 1-800-856-9947 (within the U.S.) or 312-935-3658 (outside of the U.S.)

Identity Theft Assistance

Will Preparation Services

Receive essential identity protection and recovery help through AXA Assistance. Education and awareness to reduce risk of identity theft Guidance on recognizing and responding to fraud Recovery support if personal information is stolen, including steps to restore your identity and contacts for financial institutions and credit bureaus Call AXA Assistance at 1-800-856-9947

Create important legal documents at no cost through Epoq, Inc. Easy online platform to prepare living will and trust, power of attorney, healthcare directive, pour-over will, last will and testament Print and share instantly and update as needed for major life changes Make the document legally binding (check with your state for requirements) To learn more, visit www.willprepservices.com and use code MUTUALWILLS to register

Please visit www.bryancountybenefits.com for more information. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Enrollment in Benefits - Take Action There are two separate benefit enrollments: 1. Campus Benefits (Dental, Vision, Life, Disability etc.) 2. State Health Benefit Plan (Medical)

Campus Benefits Enrollment

Step 1: Visit www.bryancountybenefits.com Step 2: Click Enroll/Login tab and complete your enrollment Need help? Click Contact Campus tab to send in questions OR call 1.866.433.7661, opt. 5

New User Registration 1. Register as a new user and enter: First Name Last Name Company Identifier: Bryan2020 PIN: Last 4 Digits of SSN Birthdate 2. Click Next 3. Create login credentials (see FAQ) 4. Click Register, then Login 5. Enter Username and Password 6. Click Start Benefits to begin enrollment

Important Notes: Plan Year is 1/1 - 12/31 Annual open enrollment occurs in the fall (October/November)

Still Need Help? Contact Campus Benefits Email: mybenefits@campusbenefits.com Call: 1.866.433.7661, opt. 5

Frequently Asked Questions What is my username?

The default username is your work email or the email on file with HR, unless it has changed.

What is my password?

Create or reset your password on the login page. It must be at least 6 characters and include a number and symbol. Using uppercase, numbers, and symbols greatly improves security.

Enrollment in Benefits - Take Action There are two separate benefit enrollments: 1. Campus Benefits (Dental, Vision, Life, Disability etc.) 2. State Health Benefit Plan (Medical)

State Health Enrollment

Step 1: Visit www.bryancountybenefits.com Step 2: Click State Health Benefit Plan Step 3: Click SHBP Enrollment Link

Need help? Refer to the SHBP section of the guide for additional details OR call SHBP at 1.800.610.1863.

Compare Plan Options: Health Maintenance Organization (HMO) Allows you to receive covered medical services from in-network providers only (except for emergency care). It is important to verify your current provider is in-network when selecting an HMO Plan Option. Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care.” There are co-pays with this plan for certain services and certain services are subject to a deductible and coinsurance.

Health Reimbursement Account (HRA) The HRA provides first-dollar coverage for eligible medical and pharmacy expenses and is funded by SHBP. When going to the doctor, you will not pay a co-pay. Instead, you pay the applicable deductible and coinsurance. Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care”. You must meet separate in-network and out-of-network deductibles and out-of-pocket maximums.

High Deductible Health Plan (HDHP) The HDHP offers in-network and out-of-network benefits and provides access to one of the largest network of providers statewide and on a national basis across the United States. In addition to a lower monthly premium, you can open a Health Savings Account (HSA) that allows you to save money tax deferred to help offset your plan costs. Plan pays 100% of covered services provided by in-network providers that are properly coded as “preventive care.”

The Georgia State Health Benefit Plan (SHBP) provides annual legal and prescription drug coverage disclosure notices, as well as forms for disclosing or authorizing the release of protected health information. Visit https://shbp.georgia.gov/legal-notices to review the following notices. Please review these notices in their entirety. Federal Patient Protection and Affordable Care Act Notices HIPAA Special Enrollment Notice Women’s Health and Cancer Rights Act of 1998 Newborns’ and Mothers’ Health Protection Act of 1996 Health Insurance Portability and Accountability Act Notice of Information Privacy Practices

Centers for Medicare & Medicaid Services Medicare Part D Credible Coverage Notice Summaries of Benefits and Coverage Georgia Law Section 33-30-13 Notice

Health Insurance 101 Before enrolling, take a moment to review these key terms to better understand and navigate the benefits options with confidence. See your specific plan summary for additional details.

In-Network vs. Out-of-Network In-Network providers have contracts with health plans to offer services at discounted rates. Out-of-Network providers are not contracted and rates are higher. Explanation of Benefits (EOB) A statement from the insurance provider showing what was billed, what the plan paid, and what you may still owe. An EOB is not a bill. Summary of Benefits and Coverage (SBC) A standardized overview of what the plan covers, costs, and examples of how the plan would pay for common medical situations. Qualifying Life Event (QLE) Qualified life change that allows midyear benefit changes. Reasonable & Customary Typical cost for services in your area

Premium Amount you pay for coverage, which is separate from the deductible and out-of-pocket maximum. Copayment A fixed amount you pay for services that counts toward your out-ofpocket maximum, not the deductible. Deductible Amount paid for covered services before your insurance plan starts to pay on your behalf Coinsurance The percentage paid after meeting the deductible Out-of-Pocket Maximum (OOPM) The highest amount paid annually for covered services. Afterwards, the plan pays 100% (with minimal exceptions). Preventive Care Routine services like check-ups, immunizations, and screenings for adults and children.

Medical Plan (State Health Benefit Plans - SHBP) Bryan County Schools offers all eligible employees health insurance through the Georgia State Health Benefit Plan. During the annual open enrollment, employees have the opportunity to review all available options and make elections for the upcoming plan year. Coverage through Anthem/BCBS of GA, United Healthcare, or Kaiser Permanente* All qualifying life events must be submitted directly to State Health Benefit Plan via the SHBP Portal. Kaiser Permanente* is available in the Metro Atlanta Service Area and Athens-Clarke, in-network only. Transferring from another school district: You will not be able to make changes until the next open enrollment period, unless it is a qualifying life event. The information provided is an overview; please see the SHBP summary plan descriptions on the benefits website for detailed listing of services in their entirety.

SHBP Enrollment Portal:

SHBP Wellness Portal:

How to Enroll:

SHBP Decision Guide:

www.shbp.georgia.gov/enrollment-portal

www.bewellshbp.com

Go to website above Enter your Username and Password and click Login. If you need assistance, click on “Forgot User ID?” or “Forgot Your Password?”. If you have not registered, click “Register Here”. Your registration code is SHBP-GA.

This Guide provides a brief explanation about each health benefit option, a benefit comparison guide, and a list of things to consider before making plan decisions. Access the decision guide at www.shbp.georgia.gov/enrollment/decision-guides

SHBP Phone Number: 1.800.610.1863 Wellness Credits (Due by November 30th)

Anthem HMO MyIncentive Account (MIA)

Anthem Health Reimbursement Arrangement (HRA)

Kaiser Permanente (KP) Regional HMO

UHC HMO & HDHP Health Incentive Account (HIA)

Member

Up to 480 Credits

$500*

Up to 480 Credits

Spouse

Up to 480 Credits

$500*

Up to 480 Credits

Reward Card credits for member/spouse

N/A

$250 Reward Card (covered member & spouse)

Potential Total credits/dollars

960 credits

$1,000*

1,460 credits

Please review the Active Decision Guide for full incentive program details and requirements. Anthem: members enrolled in an Anthem HRA Plan Option will receive SHBP-funded base credits at the beginning of the Plan Year. The amount funded will be based on your elected coverage tier. If you enroll in an HRA during the Plan Year, these credits will be prorated based on the elected coverage tier and the months remaining in the current Plan Year. *KP: members enrolled in the KP Regional HMO Plan Option and their covered spouses will each receive a $500 Mastercard reward card after they each satisfy KP’s Wellness Program requirements. **UnitedHealthcare: Spouses enrolled in an UnitedHealthcare Plan Option can now earn a 240 well-being incentive credit match. This means members and their covered spouses enrolled in an UnitedHealthcare Plan Option can each earn a 240 well-being incentive credit match with a maximum combined up to 480 well-being incentive credits matched by UnitedHealthcare for completing wellness requirements under the plan. After credits are added to your HIA, any remaining credits will roll over each plan year. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Medical Plan (State Health Benefit Plans) The table below is a high level overview, for official details and plan information please review the SHBP Decision Guide. Anthem HRA Gold Plan

Anthem HRA Silver Plan

Anthem HRA Bronze Plan

Out

You

$1,500

$3,000

$2,000

$4,000

You + Spouse

$2,250

$4,500

$3,000

You + Child(ren)

$2,250

$4,500

You + Family

$3,000

$6,000

Plan

Anthem HMO

UHC HMO

Out

$2,500

$5,000

$1,300

$3,500

$7,000

$6,000

$3,750

$7,500

$1,950

$7,000

$14,000

$3,000

$6,000

$3,750

$7,500

$1,950

$7,000

$14,000

$4,000

$8,000

$5,000

$10,000

$2,600

$7,000

$14,000

UHC HDHP

Kaiser HMO*

Deductible

Medical Out of Pocket Maximum (OOPM) You

$4,000

$8,000

$5,000

$10,000

$6,000

$12,000

$4,000

$6,450

$12,900

$6,350

You + Spouse

$6,000

$12,000

$7,500

$15,000

$9,000

$18,000

$6,500

$12,900

$25,800

$12,700

You + Child(ren)

$6,000

$12,000

$7,500

$15,000

$9,000

$18,000

$6,500

$12,900

$25,800

$12,700

You + Family

$8,000

$16,000

$10,000

$20,000

$12,000

$24,000

$9,000

$12,900

$25,800

$12,700

Coinsurance (Plan pays. Some out-ofnetwork services not covered)

85%

60%

80%

60%

75%

60%

80%

70%

50%

100%

Health Reimbursement Arrangement Credits (HRA) You

$400

$200

$100

You + Spouse

$600

$300

$150

You + Child(ren)

$600

$300

$150

You + Family

$800

$400

$200

N/A

$200 Copay $200 Copay

Urgent Care and PCP Visit

Coinsurance after deductible

Specialist Visit Preventive

100%

N/A

100%

N/A

100%

N/A

$35 Copay

$45 Copay

100%

$200 Copay Coinsurance after deductible

$35 Copay $45 Copay

100%

N/A

100%

Retail Rx (Not subject to deductible on HRA Plans) Tier 1

15%, Min $5, Max $10

$5 Copay

Tier 2

25%, Min $55, Max $85

$55 Copay

Tier 3

25%, Min $85, Max $130

$95 Copay

Coinsurance after deductible

$20 Copay $50 Copay $80 Copay

Mail Order Rx Tier 1

15%, min $12.50, Max $25

$12.50 Copay

Tier 2

25%, Min $137.50, max $212.50

$137.50 Copay

Tier 3

25%, Min $212.50, max $325

$237.50 Copay

Monthly Premiums

Anthem HRA Gold Plan

Anthem HRA Silver Plan

Employee

$227.19

EE + CH

$415.51

EE + SP Family

$50 Copay

Coinsurance after deductible

$125 Copay

UHC HDHP

Kaiser HMO*

$200 Copay

Anthem HRA Bronze Plan

Anthem HMO

UHC HMO

$153.17

$94.16

$189.29

$232.70

$83.76

$189.29

$289.67

$189.35

$351.08

$424.87

$171.67

$351.08

$565.89

$410.44

$286.52

$486.30

$577.46

$264.68

$486.30

$754.21

$546.94

$381.71

$648.09

$769.63

$352.59

$648.09

Kaiser Permanente* is available in the Metro Atlanta Service Area and Athens-Clarke, in-network only. There is an $80 tobacco surcharge added to all rates.

BCS Marriage Healthcare Discount Plan Combined Coverage. Shared Savings. The Bryan Way.

If you and your spouse or dependent are both employed in benefits eligible positions with Bryan County Schools, please consider signing up for a combined plan during Enrollment! This special discount helps you as a family and BCS, too.

WHAT IS THIS PROGRAM? Combine your medical coverage if your spouse or dependent also works for Bryan County Schools. This program helps you: Save money on premiums Reduce out-of-pocket costs Simplify your family’s healthcare coverage

WHEN CAN I ENROLL? Beginning July 1, 2026 New Hire Enrollment Qualifying Life Events October 2026 Annual Open Enrollment

WHAT DOES IT COST? Bryan County Schools provides a monthly credit to employees who participate The credit will offset the additional cost of combining coverage under one plan

WHY SHOULD I COMBINE COVERAGE? For Employees: One deductible One out-of-pocket maximum Fewer duplicate costs Lower total healthcare expenses For the District: Reduces overall benefit costs Supports long-term sustainability

HOW IT WORKS Answer eligibility question during enrollment HR contacts you to answer questions and assist in enrollment Credit applied monthly to offset cost difference

QUESTIONS? Email benefits@bryan.k12.ga.us

Dental Plan What is Dental Insurance? This is a health and wellness plan designed to pay a portion of dental costs associated with preventive, basic, some major dental care, as well as orthodontia. Coverage through MetLife Provider directory: https://providers.online.metlife.com/findDentist (Network: PDP Plus) Claims must be submitted within 90 days of date of service Orthodontics available only for children up to age 19 (subject to takeover provision/lifetime max) The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Low Plan

Middle Plan

High Plan

Provider Network

PDP Plus - In-Network Only

Can go to any provider

Type A: Preventive

100%

Type B: Basic

80%

Type C: Major

50%

Orthodontia

Not Covered

50%

Plan Benefits

Low Plan

Middle Plan

High Plan

Orthodontia Lifetime Maximum (Per covered person)

Not Covered

Lifetime max of $1,500 for children up to age 19

Calendar Year Maximum (Per covered person)

$1,000

$1,750

$1,250

Preventive services do not apply to the annual maximum Calendar Year Deductible

$50 per person (Does not apply to Preventive Services)

Out-of-Network Coverage

Negotiated Fee

Waiting Period

90th UCR

None

Dental Premium Monthly Plan Rates Plan

Low Plan

Middle Plan

High Plan

Employee

$35.06

$47.07

$62.37

Employee + Spouse

$68.45

$94.39

$121.60

Employee + Child(ren)

$70.37

$96.32

$131.23

Employee + Family

$103.67

$140.85

$187.02 *Click here for more information and printable version of the ID Card (electronic guide)

Dental Plan Have major dental work coming up? Avoid a surprise bill by exploring costs of dental services in your dental account. Unlock your dental benefits with the MetLife dental app On the app, you can: Check claims, deductibles, and coverage Find in-network dentists See your digital ID card See your Explanation of Benefits (EOBs) Quick Summary

Preventive

Basic

Major

Low Plan

Middle Plan

TIP: Submit a pre-treatment estimate to stay ahead of your expenses. First Time using the App? Create an account at https://online.metlife.com/edge/web/ public/benefits Download the App on the Apple App Store or Google Play High Plan

Cleanings (2 per 12 months) Fluoride (children up to age 19) Labs & other tests Oral Exams (2 per 12 months) X-Rays (bitewing)

Cleanings (2 per 12 months) Fluoride (children up to age 19) Labs & other tests Oral Exams (2 per 12 months) Sealants X-Rays (bitewing and full mouth)

Amalgam/Resin Composite Fillings Oral Surgery: Simple Extractions Periodontics (non-surgical) Scaling & Root Planing Sealants Space Maintainers X-Rays (full mouth & periapical)

Amalgam/Resin Composite Fillings General Anesthesia Oral Surgery: Simple & Surgical Exractions Periodontics Pulp Capping, Pulp Therapy, Pulpotomy Root Canal Scaling & Root Planing Space Maintainers X-Rays (periapical)

Dentures Fixed Bridges General Anesthesia Implant Services/Repairs Inlays/Onlays/Crowns Oral Surgery: Surgical Extractions Prefabricated Crowns Periodontics (surgical) Pulp Capping, Pulp Therapy, Pulpotomy Recementations Root Canal

Dentures Fixed Bridges Implant Services/Repairs Inlays/Onlays/Crowns Prefabricated Crowns Recementations

The chart above is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Vision Plan What is Vision Insurance? It’s a health and wellness plan designed to reduce your costs for routine preventive eye care including eye exams and prescription eyewear (eyeglasses and contact lenses). Coverage through MetLife Provider directory: https://www.vsp.com/metlife (Network: VSP Choice) Claims must be submitted within 90 days of date of service No waiting periods The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Low Plan

High Plan

Exam

$10 copay

$5 copay

Contact Lens Fit & Follow-Up

Standard or Premium: Up to $60 copay

Frames

$200 allowance plus 20% off balance & $220 allowance on featured frames $110 allowance at Costco, Walmart, and Sam’s Club

Single Vision, Lined Bifocal & Trifocal, Lenticular Lenses

$25 copay

$20 copay

Standard Progressive Lenses

Up to $55 copay

Covered in Full (inlcuding Premium/Custom)

Additional Lens Options

Standard Polycarbonate, Scratch-resistant coatings, Solid or Gradient Tints, Antireflective, UV Coating, Photochromic: Your cost will be limited to a copay that MetLife has negotiated for you. Full details can be viewed in your MetLife portal. Contact Lenses

Elective Contacts

$200 allowance

Medically Necessary

Covered in full after eyewear copay Frequencies

Exams, Lenses, Contact Lenses

Every 12 months

Frames

Every 24 months

Every 12 months

Not Covered

Each covered person can get one of the options below: Two pairs of prescription eyeglasses OR one pair of prescription eyeglasses and an allowance toward contacts OR double the contact lens allowance

2nd Pair Benefit (Advise provider to submit two pair of glasses on separate invoices)

Vision Premium Monthly Plan Rates

Plan

Low Plan High Plan

Employee

$10.59

$13.76

Employee + Spouse

$20.13

$26.16

Employee + Child(ren)

$21.18

$27.51

Employee + Family

$31.11

$40.43

*Click here for more information and printable version ID card (electronic guide)

Get the most out of your Dental and Vision Plans Dental and vision plans help pay a portion of costs associated with care and provide options to get the most out of these benefits. Tips for utilizing your Dental Benefits Look for a participating dentist online Go to www.metlife.com/mybenefits at www.metlife.com. or download the MetLife Mobile App. *The Middle Plan and Low Plan are Find providers, view claims and more. in-network only plans. Utilizing an inGroup name: Bryan County Board Of network dentist will reduce your outEducation of-pocket costs.

Your dentist can request a pretreatment estimate for any service that is more than $300 to help you manage your cost and care

*In-Network discounts apply even after you reach your plan’s annual maximum, reducing your out-of-pocket expense.

Tips for utilizing your Vision Benefits Visit www.metlife.com/mybenefits to You can price shop your lens & frame track your claims and plan usage by Look for participating vision providers providers. Take your prescription registering for a MetLife My Benefit online at www.vsp.com/metlife from your out-of-network provider to Account (if enrolled in both dental Network: VSP Choice an in-network provider to receive the and vision, you will utilize the same most benefit from your vision plan. user name and password).

*While your plan allows you to visit any licensed vision provider, remember your benefits go further when you go in-network.

Retiree Dental and Vision As a retiree, you are eligible to continue your dental and vision plans if you were previously enrolled as an active employee. Coverage can include dependent spouses and children up to age 26. For more details on the plan benefits and rates for retirees, visit www.bryancountybenefits.com/retiree-benefits The application to elect retiree coverage must be completed within 30 days of your benefits terming as an active employee with Bryan County Schools.

Short-Term and Long-Term Disability What is Disability Insurance? Disability insurance replaces a portion of your income if injury or illness prevents you from working, providing financial security for you and your dependents. Coverage through Mutual of Omaha Short-Term Disability (STD): Annual enrollment, no health questions every year Long-Term Disability (LTD): Annual enrollment, no health questions every year The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary Elimination Period

Short-Term Disability

Long-Term Disability

Benefits begin after being out of work due Benefits begin after you have been out of to an injury or illness for: work due to an injury or illness for 90 Option 1: 14 Day, Option 2: 30 Day calendar days

Benefit Duration

Covers accidents and illnesses up to 11 weeks (option 1) or 9 weeks (option 2)

Covers accidents and sicknesses up to Social Security Normal Age of Retirement (Please note exclusions or limitations may apply; see plan certificate for details)

Benefit Percentage (weekly)

60% of your gross weekly salary

60% of your gross monthly salary

Maximum Benefit Amount

$2,000 (weekly benefit)

$6,000 (monthly benefit)

Leave Offset Rules

Does not offset for Sick Leave or Paid Parental Leave, pays in-addition (will offset for any other outside income) Must use any leave in conjunction with STD benefits

Will offset with Sick Leave and any outside income (Social Security, Military pension, retirement, etc.) Must exhuast sick leave prior to LTD benefits starting

Pre-Existing Condition Limitation

Short-Term Disability: 3/6 - Any sickness or injury for which you received medical treatment, consultation, care, or services during the specified months (3 months) prior to your coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months (6 months) following the coverage effective date. (Waived during initial enrollment and for new hires if enrolling during new hire enrollment)

Long-Term Disability: 3/12 - Any sickness or injury for which you received medical treatment, consultation, care, or services during the specified months (3 months) prior to your coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months (12 months) following the coverage effective date. (Applies to new enrollees only)

Disability Plan Rates Cost of coverage is based on your age and salary. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Life Insurance 101 Term Life and Permanent Life work best used in conjunction with one another. Term Life can protect your family in your younger working years and Permanent Life can protect your family in your retirement years. The need for life insurance depends on each individual life situation. If loved ones are financially dependent on you, then buying life insurance coverage can absolutely be worth it. Even if you don’t have financial dependents yet, life insurance can be a valuable solution for making loss easier financially for a family. There are two voluntary life insurance options offered through your employer: Term Life Insurance and Permanent Life Insurance.

Quick Reference

Term Life Insurance

Permanent Life Insurance

Available Plans

Employer Paid Basic Life and AD&D Voluntary Life and AD&D

Whole Life

Coverage Duration

Protection during your working years

Lifelong protection as long as premiums are paid

Initial Cost

Lower initial cost, premium increases as you age.

Higher initial cost, premiums stay the same for the life of the policy

Benefit Flexibility

Highly flexible, benefit amounts can be changed annually based on life changes (e.g. marriage, children, nearing retirement)

Benefit amount is typically fixed at issue. Add additional plans to increase coverage

Purpose

For the unexpected death during your working years to protect your family

Long-term security, intended to take into retirement and provide foundational coverage

Cash Value

No cash value accumulation

Builds cash value, see policy for details

Portability

Portable at retirement or leaving employer, but Fully portable at the same cost at retirement or premiums will increase leaving employer

Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents 21 posted on your employer’s benefits website or request documents before electing coverage.

Basic Life and AD&D What is Basic Life and AD&D Insurance? A financial protection plan paid by Bryan County Schools, which provides a lump-sum payment, known as a death benefit, to a beneficiary upon the death of employee.

Coverage through Mutual of Omaha Premiums paid by Bryan County Schools Upon termination or retirement, continuation of coverage may apply The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Basic Life and AD&D

Benefit Amounts

Administrators: $30,000 All Other Employees: $15,000 (AD&D matches Life amounts)

Additional AD&D Benefits

Seat Belt Benefit, Spouse Education, Common Carrier, Child Education, Airbag, Childcare (see policy documents for details)

Age Reduction

None

Conversion

Included

Accelerated Life Benefit

80% of the benefit

Employee Assistance Program (EAP)

Included, please see EAP page for more information

Portability

Portable at retirement or leaving employer, paid by employee

Keep your beneficiary information up to date Review your beneficiaries regularly. Life changes such as marriage, divorce, the birth or adoption of a child, or the death of a loved one may mean your current beneficiary designations no longer reflect your wishes. Don't forget your other accounts. In addition to your employerprovided Basic Life and AD&D coverage, review the beneficiaries on other life insurance policies, retirement accounts, HSAs, and other financial accounts. A will may not override a beneficiary designation. Benefits and account balances are generally paid according to the beneficiary information on file, making it important to keep your designations current. Take a few minutes to review your information. Keeping your beneficiary designations up to date can help ensure your benefits are distributed according to your wishes and make things easier for those you leave behind. Basic Life and AD&D Plan Rates Coverage is provided by Bryan County Schools at no cost to you.

Voluntary Term Life and AD&D What is Term Life Insurance? A life and AD&D insurance plan provides financial protection by paying a lump-sum benefit to your beneficiary in the event of your death or accidental dismemberment, helping replace lost income and support your family’s financial goals. Coverage through Mutual of Omaha Evidence of Insurability (EOI) may be required if electing outside of initial enrollment or above guaranteed issue amounts. The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Voluntary Term Life and Accidental Death & Dismemberment (AD&D)

Employee Benefit

Increments of $10,000 up to the lesser of $500,000 Guaranteed Issue for New Hires: $300,000

Spouse Benefit

Increments of $5,000 up to $250,000 (100% of Employee Election) Terms when Employee Turns 85 Guaranteed Issue for New Hires: $50,000

Child(ren) Benefit

$1,000 or $10,000 Benefit (Minimum benefit of $5,000) $1,000 for children Live Birth to 6 months Guaranteed Issue: $10,000

AD&D Amount

Match Life Amount

Age Reduction

None

Portability & Conversion

Included

Accelerated Life Benefit

If diagnosed with a terminal illness with less than 12 months to live, you can request 80% of your benefit while still living up to $400,000.

Guaranteed Increase in Benefit for future enrollments

If you are a New Enrollee: Employee: Enroll for up to $50,000 Spouse: Enroll for up to $20,000

If you are Currently Enrolled: Employee: Increase by $50,000 up to the Guaranteed Issue amount Spouse: Increase by $20,000 up tot he Guaranteed Issue amount

Can enroll or increase coverage without health questions/Evidence of Insurability (EOI) needed. Additional Benefits

Seat Belt Benefit, Spouse Education, Common Carrier, Child Education, Airbag, Transportation of Remains, Childcare (See certificate for details)

Dual Coverage (if both employee and spouse work at Bryan County Schools)

If employee and spouse are both employed by Bryan County, they can cover each other but may not exceed the total employee amount of $500,000. Both employees can cover any dependent children (unmarried up to age 26).

Voluntary Life and AD&D Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Spouse rate based on employee’s age. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Permanent Life Insurance What is Permanent Life Insurance? Coverage that provides lifelong protection, and the ability to maintain level premium, while allowing employees the choice of benefit and premium amounts to fit family needs.

Coverage through UNUM Underwriting may be required. Coverage is not guranteed until approved by the carrier. Upon termination or retirement, continuation of coverage is available at the same cost. Important Note: If you currently have a CHUBB or Trustmark policy, there are no changes to your policy and it will remain on payroll deduction. You will not see these policies within the enrollment process. Quick Summary Plan Maximums

Whole Life Employee (Issue ages 15-80) $2,000 - $200,000 Increments of $5,000

Spouse (Issue ages 15-80) $2,000 - $5,000 Increments of $5,000

Child (Issue ages 14 days - 26) $5,000 - $50,000 Increments of $1,000

Guaranteed Issue (New Hire or First Time Eligible)

Guaranteed issue amounts are available for new hires and first time eligible. This amount is based on your age and the weekly premium amount. Please log into the enrollment platform for specific rate details.

Additional Features

Guaranteed Interest rate of 4.5% Build Cash Value Level Premiums deducted from your paycheck Level Death Benefit - Coverage does not decrease with age Chronic Care Accelerated Death Benefit Rider - Included

Portability

Employees can port the coverage at the same cost. Permanent Life Rates

Cost of coverage is based on the level of benefit you choose and your age. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Hospital Indemnity Plan What is Hospital Indemnity Insurance? This is supplemental coverage that helps offset costs associated with hospital stays, whether for planned or unplanned reasons. Payments are made directly to you and benefits do not offset with medical insurance. Coverage through MetLife Routine childbirth and complications from pregnancy are covered No pre-existing condition limitations or waiting periods. No Health Questions Every Year! The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Plan Details

Low Plan

High Plan

Coverage

24-Hour (On and Off the Job)

Age Reduction

None

Portability

Included

Plan Benefits Hospital Admission (4 times per year)

Low Plan

High Plan

$500

$1,000

Must be admitted into the hospital for this benefit ER admissions/Outpatient treatment do not qualify $500

ICU Supplemental Admission (4 times per year)

$1,000

Paid concurrently with the Admission benefit

Confinement (15 days per year) ICU Confinement (15 days per year

$100

$200

$100

$200

Paid concurrently with the Admission benefit

Confinement Benefit for Newborn Nursery Care (2 days per confinement)

$25

Wellness Incentive

$50 $50 (See Wellness Incentives Page)

Please see plan hightlight sheets for additional details, located on your benefits website.

Hospital Indemnity Monthly Plan Rates Plan

Low Plan

High Plan

Employee

$8.67

$17.01

Employee + Spouse

$15.33

$30.06

Employee + Child(ren)

$13.00

$25.49

Employee + Family

$19.65

$38.54

Why Does Hospital Indemnity Insurance Matter? If you’re admitted to the hospital for a planned or unexpected stay, Hospital Indemnity Insurance helps provide financial support by paying a lumpsum benefit directly to you, not providers, to help cover your expenses. Claims must be filed with the carrier for reimbursement.

Accident Plan What is Accident Insurance? Accident insurance provides direct payments to help cover medical and out-ofpocket costs from unexpected accidents, without offsetting your medical insurance. Coverage through Metlife No health questions - Every Year! No pre-existing condition limitation or waiting periods Payments made directly to you and benefits do not offset with medical coverage The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Low Plan

High Plan

Coverage

24-Hour Coverage (On and Off the Job)

Age Reduction

None

Portability

Included

Plan Benefits

Low Plan

High Plan

Fractures & Dislocations

$100 – $8,000 depending on the fracture and type of repair

$200 – $10,000 depending on the fracture and type of repair

2nd or 3rd Degree Burns

$75 – $10,000 depending on the degree of $100 – $15,000 depending on the degree of the burn and the percentage of burnt skin the burn and the percentage of burnt skin

Concussions

$250

$500

Ambulance

Ground: $300 Air: $1,200

Ground: $400 Air: $1,600

Emergency Care

$75 – $150 depending on location of care

$100 – $200 depending on location of care

Physician Follow-Up Visit

$75

$100

Hospital Admission

$1,000 for the day of admission

$1,500 for the day of admission

Hospital Confinement

$200/day (up to 15 days per accident)

$300/day (up to 15 days per accident)

ICU Confinement

$200/day (up to 15 days per accident)

$300/day (up to 15 days per accident)

$5,000 - $75,000

$10,000 - $150,000

Accidental Death Benefit

Amounts vary for employee, spouse, and children (see policy for details)

Wellness Incentive

$50 (See Wellness Incentives Page)

Please see plan highlight sheets for additional details, located on your benefits website.

Accident Monthly Plan Rates Plan

Low Plan High Plan

Employee

$9.32

$13.81

Employee + Spouse

$12.04

$18.85

Employee + Child(ren)

$13.83

$22.31

Employee + Family

$16.56

$27.35

Accidents can happen anytime, Accident Insurance helps provide financial protection by: Helping offset out-of-pocket costs like deductibles, copays, and out-of-network care Giving you flexibility to use funds for everyday needs such as childcare, transportation, or other unexpected expenses

Critical Illness Only or w/Cancer Plan What is Critical Illness Insurance? This is a health and wellness plan in which you receive a lump sum cash payment if diagnosed with one of the specific illnesses on the predetermined list of critical illnesses. Coverage through Guardian No health questions - Every Year! Elect Critical Illness with or without Cancer coverage based on your individual needs Issue Age Rates: Rates lock in at the age you purchases coverage and do not increase Payments made directly to you and benefits do not offset with medical coverage The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Critical Illness (with or without Cancer) No Age Reduction/Pre-Existing Condition Limitation/Waiting Period

Portability

Included, Prior to age 70

Second Occurrence

No Separation Period (Different Illness)

Reoccurrence Benefit

6 month Separation Period (Same Illness) Plan Benefits

Employee

$5,000 - $30,000 (Increments of $5,000)

Spouse

$2,500 - $15,000 (Increments of $2,500 up to 50% of employee election)

Children

If eligible and listed as a dependent, automatically covered at 25% of employee election

Cancer Coverage (if selected)

100% - Bone Marrow Failure, Benign Brain or Spinal Cord Tumor, Invasive Cancer (Leukemia, Multiple Myeloma) 30% - BRCA 1 OR BRACA2 Mutation, Carcinoma In Situ

Covered at 100%

Heart Attack, Heart Failure, Severe Stroke, Advanced Neurological Disorders, Kidney Failure, Major Organ Failure, Coma, Loss of Hearing/Sight/Speech, Permanent Paralysis, Severe Burn

Covered at 50%

Coronary Artery Disease (requiring bypass), Moderate Stroke, Early Stage Neurological Disorders

Covered at 30%

Pulmonary Embolism, Huntington Disease, Myasthenia Gravis, Infectious Diseases (requires 5 day hospital confinement)

Childhood Diseases 100% of child benefit

Autism Spectrum Disorder, Cerebral Palsy, Cleft Lip / Palate, Clubfoot, Congenital Heart Defect, Cystic Fibrosis, Type 1 Diabetes, Down Syndrome, Hemophilia, Multisystem Inflammatory Syndrome, Muscular Dystrophy, Spina Bifida

Wellness Incentive

$50 (See Wellness Incentives Page)

Please see benefit highlight sheet or plan certificate for specific coverage percentages for each covered illness. Must be diagnosed after your effective date of coverage. Critical Illness w/Cancer Plan Rates Cost of coverage is based on the level of benefit you choose and your age. Spouse rate based on employee’s age. Children are automatically included in employee premium, no additional cost. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Why should I consider it? Critical illness insurance is an affordable way to supplement and pay for additional expenses that you may incur when diagnosed with an illness. The policy provides lump-sum payments when you are diagnosed with one of the covered illnesses (must be diagnosed after your effective date). You decide how to use the money.

Cancer Plan What is Cancer Insurance? Cancer insurance is a form of supplemental insurance meant to offset cancerrelated expenses so you can focus on recovery. Coverage through Guardian No health questions - Every Year! Must be diagnosed after effective date of the plan Payments made directly to you and benefits do not offset with medical coverage. The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety. Quick Summary

Advantage Plan (Low)

Premier Plan (High)

Portability

Included, Prior to age 70

Pre-existing Condition Limitation

12 months/12 Months (Applies to new enrollees only)

Age Reduction

None

Waiting Period

30 Days for initial Diagnosis only

Plan Benefits

Advantage Plan (Low)

Premier Plan (High)

Initial Diagnosis Benefit (must be first time diagnosis)

$2,500

$5,000

Hospital Confinement

$300/day for first 30 days; $600/day for $400/day for first 30 days; $800/day for 31st 31st day thereafter per confinement day thereafter per confinement

ICU Confinement

$400/day for first 30 days; $600/day for $600/day for first 30 days; $800/day for 31st 31st day thereafter per confinement day thereafter per confinement

Blood/Plasma/Platlets

Up to $10,000 per calendar year

Up to $15,000 per calendar year

Radiation/Chemotherapy (Actual Cost)

Up to $10,000 per calendar year

Up to $15,000 per calendar year

Skin Cancer

Benefits vary from $100 - $600 (see policy for details)

Surgical Benefit

Schedule amount up to $4,125

Schedule amount up to $5,500

Experimental Treatment

$100/day up to $1,000/month

$200/day up to $2,400/month

Wellness Incentive

$50; $50 for Follow-Up screening (See Wellness Incentive Page)

$75; $75 for Follow-Up screening (See Wellness Incentive Page)

Please see benefit highlight sheet or plan certificate for specific coverage amounts or frequencies. Cancer Monthly Plan Rates Plan

Advantage Premier Plan (Low) Plan (High)

Employee

$18.22

$29.36

Employee + Spouse

$33.92

$54.77

Employee + Child(ren)

$21.73

$35.06

Employee + Family

$37.43

$60.46

How is Cancer Insurance Different from Critical Illness Insurance? Cancer insurance is designed to provide benefits for a covered cancer diagnosis and related treatment, while critical illness insurance provides a lump-sum benefit for a range of covered conditions, which may include cancer. Cancer plans will pay out benefits annually as you receive treatment. Critical Illness plans are a one-time lump sum benefit.

Wellness Incentives What are Wellness Incentives? This is an annual reimbursement for covered members who complete one of the eligible screening procedures on an elected plan. Available Wellness Incentives

Low Plan

Guardian - Critical Illness Guardian - Cancer

High Plan $50/year

$50/year

$75/year

MetLife - Hospital Indemnity and Accident

$50/year

State Health Benefit

See SHBP page of the benefits guide for details

Examples of Eligible Screenings: Guardian Critical Illness & Cancer (Policy #00552324) Bone marrow testing BRCA testing Breast MRI Breast ultrasound Chest x-ray Colonoscopy/Virtual Colonoscopy CT scans/MRI scans Mammography Pap Smear/ThinPrep pap test PSA (blood test for prostate cancer) Testicular ultrasound How to submit a claim: Visit www.guardianlife.com and select “My Account/Login” to register or access your account.

MetLife Hospital Indemnity & Accident (Policy #216003) Annual physical exam Colonoscopy; Digital rectal exam (DRE) Complete blood count (CBC) Coronavirus testing Endoscopy Fasting blood glucose/plasma test Hearing test Hemoglobin A1C Lipid panel Mammogram Oral cancer screening How to submit a claim: Call 1-800-GET-MET8 (1-800-438-6388) File on the MyBenefits portal at www.metlife.com/mybenefits or by mail with a paper claim form.

IMPORTANT NOTE: This is not a complete list. Visit your employee benefits website at www.bryancountybenefits.com or review the carrier documents for all eligible screenings.

FSA What is a Flexible Spending Account? It’s a pre-tax benefit account used to pay for out-of-pocket healthcare costs such as deductibles, copays, prescribed medications, and doctor visits. What are Dependent Care Accounts? This is a pre-tax account used to pay for dependent care services such as daycare, before or after school programs, and elder care. Coverage through MedCom Plan year is from January 1 - December 31. Employees must re-elect each year. Only family status changes will allow you to change your annual election. The altered election must be consistent with the status change. Transfer of funds between Dependent Care and Medical Care are prohibited Married and not filing jointly participants limited to $3,750 deferral for Dependent Care Full list of eligible FSA expenses is on the website: www.bryancountybenefits.com

FSA Quick Summary Medical FSA Minimum Contribution

$300 annually

Maximum Contribution

$3,400 annually

Carryover Maximum* (Maximum participants can carry over if re-electing the plan)

$680

Total elected amount is available at the beginning of the plan year All receipts should be kept to submit if verification is requested *Carryover funds are only available if re-electing the plan for the next year Dependent Care FSA Minimum Contribution

$300 annually

Maximum Contribution

$7,500

Carryover Maximum

None

Amount is only available as it is payroll deductible Plan Rules 30 days from plan end date (turn in reimbursement form with receipts for services rendered during the plan year)

RUNOUT PERIOD Monthly Admin Fee

Fee Per Participant Per Month (One fee even if electing both Medical FSA and Dependent Care)

$3.50

Replacement Card Fee

N/A

IMPORTANT NOTE: Dependent Care FSA is for eligible expenses related to the care of your child, disabled spouse, elderly parent, or other dependent who is physically or mentally unable of or disabled for self-care (i.e. day care, adult day care). Medical expenses for your dependent are not eligible for reimbursement under the Dependent Care.

Helpful FSA Resources FSA Eligibility List: www.fsastore.com/FSA-Eligibility-List

FSA Calculator www.fsastore.com/fsa-calculator

Medical FSA Account Covers:

Dependent Care Account Covers:

Medical coinsurance and deductible Doctor’s office visit copays Emergency Room costs Dental copays and out-of-pocket costs Vision copays and out-of-pocket costs Contacts and glasses Prescriptions Please see the full eligibility list for other covered expenses.

Children ages 12 and under (including stepchildren, grandchildren, adopted or foster children, and children related to you who are eligible for a tax exemption on your federal tax return) Tax dependents residing with you and incapable of self-care (this could include your spouse, a child age 13 and over, and elderly parents)

Eligible items for purchase without a prescription now include, but are not limited to: Pain relief medications, e.g., acetaminophen, ibuprofen, naproxen sodium Cold & flu medications Allergy medications Acne treatments

Access MedCom at your fingertips

Eye drops Stomach & digestive aids Pads, tampons and menstrual sponges Sleep aids Children’s pain relievers, allergy medicines, and digestive aids

Download the app: MedCom Mobile

Visit the website: www.medcom.wealthcareportal.com

The CARES Act permanently reinstates over-the counter products, and adds menstrual care products for the first time, as eligible expenses for your FSA funds WITHOUT A PRESCRIPTION Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.

Legal Plan What is a Legal Plan? A plan which provides valuable legal and financial educational resources for a variety of life events and needs. Coverage through MetLife Visit www.legalplans.com/why-enroll or call 800.821.6400 for additional information Non-Members & Members create an account and select Employer for plan information (creating an account doesn’t enroll you in plans) Elder care extends to parents and in-laws Additional plan information available on your Employee Benefits Website (www.bryancountybenefits.com) The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.

Plan Highlights

Consult with attorneys in person, by phone, email or online

Choose a network attorney or request reimbursement for an out-of-network attorney

Examples of Covered Legal Services: Money Matters Identity theft and tax collection defense Home & Real Estate Deeds, foreclosure, mortgages, tenant matters Estate Planning Wills, living wills, powers of attorney Family & Personal Guardianship and name changes Civil Lawsuits Small claims and consumer disputes Elder-Care Issues Consultations and document review for parents Traffic Matters Defense of traffic ticket (DUI not covered) IIMPORTANT NOTE: This is not a complete list. Visit your employee benefits website at www.bryancountybenefits.com or review the carrier documents.

Unlimited legal assistance for covered matters

No waiting periods, copays, deductible or claim forms for network services

Additional High Plan Benefits 4 hours of attorney time for non-covered items Bankruptcy and tax-audit representation Home purchases, refinancing and property-tax matters Trusts, adoption, immigration and prenuptial agreements Juvenile matters and pet-liability assistance 1. Find an attorney Visit members.legalplans.com, or call 800-821-6400 to get matched with the right attorney and receive the case number. 2. Make an appointment Call the attorney you select, provide the case number and schdule a time to talk or meet. 2. Easy from start to finish No copays, deductible, claim forms with an in-network attorney for a covered matter.

Legal Monthly Plan Rates Employee

$8.00

Employee + Family

$16.50

MedCareComplete What is MedCareComplete? It’s a bundle of services constructed to save you time, money, and hassle while simplifying your life. This is a supplemental benefit and does not replace health insurance Register at MCC: Medcarecomplete.com/members to access the full range of benefits Phone number: 1-866-610-3619 Register at 1800MD: 1800md.com or 800.388.8785 to access telemedicine benefits This is supplemental coverage and does not replace health insurance The information below is a sample of covered services. Please see the plan documents on your Employee Benefits Website for a detailed listing of services in their entirety.

24/7/365 Telemedicine Speak with a Board-certified physician by phone for help with common and acute illnesses. No copay or usage limits. Asthma Fever/Cold & Flu Headache/Migraines Infections/Rashes Sore Throat/Sinus Conditions

Heartburn/Gout Bacterial Infections Urinary Tract Infections Pink Eye Nausea & Vomiting

Legal Plan Monthly Rates Individual

Family

$10.50

$12.50 NO COPAY

IMPORTANT NOTE: This is not a complete list. Visit your employee benefits website at www.bryancountybenefits.com or review the carrier documents.

Additional Services: Medical Bill Negotiator Identifies errors and overcharges on medical bills. Of submitted bills, 80% achieve an average savings of 40%.

Medical & ID Theft Monitoring Provides high-risk transaction alerts when personal information may have been compromised online.

Medication Management Home delivery is available for members and their families managing chronic conditions and taking more than four maintenance medications daily.

Compare & Save Networks Offers access to a nationwide network of more than 59,000 pharmacies, along with discounts on prescriptions, dental, vision, hearing and other wellness services.

Restoration Expert An identity-theft specialist assesses the situation and helps manage the resolution process.

Social Media Tracking Sends alerts about potential damaging online content directed towards you or a family member, includes cyberbullying and predators.

Expense Reimbursement Provides a $25,000 insurance policy for eligible expenses from identity theft.

Sex Offender Alerts Get notified when a registered sex offender moves within five miles of an identified address.

Bryan County Schools 403(b), 457, and Auto What are the 403(b) & 457 Plans?

403(b) & 457 tax-sheltered annuities are IRS regulated retirement plans offered by public schools and certain tax exempt organizations. It allows employees to invest up to $23,500 of their annual gross salary each calendar year to one of the approved To make changes or get started, vendors listed. scan the QR code or contact one Contributions are on a pre-tax basis. of the vendors listed below. Earnings on the contributions are tax deferred. Annuity can be carried with participants if you change employers or retire. Bryan County Schools matches up to 4% on 403(b) accounts; no vesting period. Approved Vendors

American Fidelity Chris Bentley 706.294.1801 chris.bentley@americanfidelity.com

Bales Financial Advisors Davey Bales 678.807.7157 davey@balesfinancialgroup.com Paige Fulford 678.807.7157 paige@balesfinancialgroup.com

Corebridge Dan Silva 478.405.5005 912.660.5641 dan.silva@corebridgefinancial.com

Horace Mann Joe Brannen 912.354.0280 joe.brannen@horacemann.com

Lincoln Financial Group Dawn Hartle 260.455.4751 dawn.hartle@lfg.com Charles DeKrafft 704.943.2131 chuck.dekrafft@rrphub.com

Vision Financial Evan Fears 912.295.2222 evan@vision-ga.com Talbert Edenfield 912.295.2222 talbert@vision-ga.com

Horace Mann Auto Insurance

Horace Mann has teamed up with Bryan County School System to allow you to easily deduct your auto insurance premium directly from your paycheck. Because our passion is taking care of educators, we provide exclusive benefits like: NO deductible if your vehicle is vandalized on or near school property or at a school-sponsored event; NO deductible for a collision claim on or near school property or at a school-sponsored event; Up to $1,000 in personal property coverage if items you use during your work as an educator are stolen or damaged while in your car; and liability coverage when you transport students.

Contact for more information: Joe Brannen Southern Educators Insurance and Financial Services (912) 354-0280 Joe.Brannen@horacemann.com

QUESTIONS? Email benefits@bryan.k12.ga.us

BENEFITS FOR FAMILY, BEYOND THE WORKPLACE AFFORDABLE COVERAGE OPTIONS YOU CAN SHARE WITH THE PEOPLE YOU CARE ABOUT

Individually purchased. Not employer-sponsored or payroll deducted. MEET WOODROW Campus Benefits helps individuals and families explore valuable coverage options. In addition to the benefits we support through employers, we connect people with options they can select and enroll in independently, outside of work. Woodrow is our beloved office mascot and a reminder of the personal care behind everything we do. In his honor, we call this collection of familyfocused coverage options Woodrow’s Picks. Woodrow’s Picks make it easy to share coverage options with adult children, parents, siblings, extended family members, and others who may need benefits outside of work.

CAMPUS BENEFITS SELECTED

EASY TO EXPLORE

FAMILYFOCUSED

Campusbenefitsforme.com

SIMPLE TO SHARE

Who Should You Share These Benefits With? Important:

These plans are purchased individually. They are not employer-sponsored or deducted from your paycheck.

BENEFITS BEYOND THE WORKPLACE These coverage options are available independently through Campus Benefits. They are separate from employersponsored plans, are not deducted from payroll, and are billed directly to the person enrolling. You can explore these options for yourself or share them with family members and loved ones who may need additional coverage.

Consider Sharing Woodrow’s Picks with: Part-time or self-employed family members Adult children choosing their own coverage Parents and grandparents Siblings and extended family members Anyone seeking coverage outside of work 36

Campusbenefitsforme.com

Woodrow’s Picks for Individual Protection Explore coverage for yourself or share these options with family and loved ones who need benefits outside of work.

Dental*

Vision*

Telemedicine*

Preventive care, cleanings, and major services

Exams, frames, contacts, and lens upgrades

24/7 virtual doctor visits

W Fa ood vo ro ri w te ’s !

*Avoid duplicate coverage: Check what benefits you already have through your employer before enrolling.

Life Insurance

Long-Term Care

Pet Insurance

Term life coverage for you or your family

Coverage for extended care needs

Help with vet bills, accidents, and illnesses

Travel Medical Coverage

Trip Cancellation Insurance

IMPORTANT:

Because most health insurance does not work outside the U.S.

Protect your trip investment for vacations, cruises, and trips abroad

These are individually purchased plans and are not employer-sponsored or payroll deducted. 37

3 SIMPLE WAYS TO EXPLORE & ENROLL Scan the QR Code Use your phone camera to explore available coverage options.

Visit Us Online Browse plans, compare options, and enroll at your own pace.

Campusbenefitsforme.com

Contact Campus Benefits Talk with a licensed benefits advisor for personalized help.

1-888-495-8990 Woodrow@campusbenefits.com

Monday-Friday 9:00am-5:00pm ET.

Questions? Campus Benefits is here to help. 38

Whether you are exploring coverage for yourself or sharing options with someone you care about, our team can help you understand your choices and take the next step.

NOTES: _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ _________________________________________________________________________________________________________________ 39

The Service Hub Helps With: Portability/Conversion Benefits Education Evidence of Insurability Qualified Life Event Changes

Claims Card Requests Benefit Questions COBRA Information

Phone: 866-433-7661, opt. 5 Email: mybenefits@campusbenefits.com Benefit Website: www.bryancountybenefits.com

The 2027 Benefits Guide is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered is governed exclusively by the insurance contract and associated Summary Plan Description (SPD). In case of discrepancies between this document and the insurance contract and SPD, the contract and SPD will prevail. We reserve the right to change, modify, revise, amend or terminate these plan offerings at any time. Updates, changes, and notices are available for review at www.bryancountybenefits.com or by contacting HR or the email above. These should be reviewed fully prior to electing any benefits.

Disclosures: All required SPD, legal and plan Disclosures are posted on the Benefit Website. For a written copy please contact Campus Benefits at 866-433-7661, opt. 5.