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

Table of Contents 3

Eligibility & Important Notes

Qualified Life Events & Preventive Care

Service Hub/Support Center

Voluntary Benefits Claim Instructions

Employee Assistance Program

8-9

Enrollment in Benefits - Take Action

Health Insurance 101

Medical Plan (Cigna)

Virtual Care Benefits (Cigna)

Pharmacy Benefits (Cigna)

14-15

Cigna Healthcare Well-Being Services

16-18

Dental Plan

Vision Plan

Disability Plans

Life Insurance 101

Basic Life and AD&D Plan

Voluntary Term Life and AD&D Plan

Permanent Life Insurance

Hospital Indemnity Plan

Accident Plan

Cancer Plan

Wellness Incentives

29-30

City of Cornelia 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

City of Cornelia Contact: Lindsay Cannon Human Resources Director lcannon@cornelia.city

FSA

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.

Eligibility Benefits Eligible Employees:

Waiving Coverage

Generally, full-time employees working 30 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? The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin following 90 calendar days of employment. For all benefits, employees must be actively at work on the effective date of coverage. New hires must complete enrollment within 90 days of hire date, prior to effective date of coverage. Supporting documentation is required to be submitted to process qualifying life events.

When Do Benefits End? 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. 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.

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. 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. With Cigna Healthcare, getting and staying healthy is important. That’s why most health plans include coverage for eligible preventive care services at no additional cost to you, when you receive them from a provider who participates in your plan’s network. This means no out-of-pocket costs to you. Covered preventive care services can include, but are not limited to:

Routine Physical Exam

Well Women Visits

Routine Bone Density Test

Please access your myCigna account to learn more about covered services.

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.cityofcorneliabenefits.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.cityofcorneliabenefits.com 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.

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

Accident

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.

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.cityofcorneliabenefits.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.

Employee Assistance Program (EAP)

What is an EAP? This is a program offered to City of Cornelia 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 OneAmerica Available for all City of Cornelia employees, their household members and unmarried 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 1.855.387.9727 or visit GuidanceResources.com (Web ID: ONEAMERICA3)

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

3 face-to-face sessions* Up to three sessions per issue, per calendar year with a counselor.

GuidanceResources Online Find articles, videos and self-assessments Additional information on EAP services

EAP can help with: Financial resources Debt management Credit card and loan problems Tax questions Retirement and estate planning Saving for college

Emotional well-being Stress, anxiety and depression Grief and loss Family and relationships Relationship/marital conflicts Parenting challenges Job pressures Work changes and challenges Substance abuse support Assesment for substance abuse and addiction

Work-life solutions Child and elder care Moving and relocation Making major purchases College planning Pet and home care

EAP Plan Rates Coverage paid for by City of Cornelia at no cost to you. 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 It is important to review your benefit elections every single year, even if not making changes to ensure your benefits meet your needs.

All benefits can be enrolled in one system. Campus Benefits Enrollment

Step 1: Visit www.cityofcorneliabenefits.com Step 2: Click Enroll/Login tab and complete your enrollment Need help? Click Campus Connect 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: COC26 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.

MyCigna Benefits Register and Sign Up for the MyCigna app to access your Medical, Dental, and Vision Benefits

Visit: www.myCigna.com

Cigna Healthcare

OR: Download the myCigna app Need help? Refer to the Cigna section of the guide for additional details OR call Cigna at 888.806.5094.

About the Cigna One Guide team: During the enrollment period, you can call the Cigna One Guide team at 888.806.5094. Your personal guide will help you: • Understand the basics of health coverage. • Explain the health plan available to you. • Check if your doctors are in-network. • Get answers to plan or network questions.

After enrollment, One Guide offers ongoing support. Cigna’s personal guides can help you: Get care Know your coverage and how it works. Find an in-network provider, lab or urgent care center. Connect with health coaches and more. Stay on track with appointments and preventive care. Get support for complex health situations. Save and earn Maximize your benefits. Get cost estimates and avoid surprise expenses. Check account balances and claim activity.

Scan QR code with your phone camera and click the link on your screen to access the myCigna app.

Once your plan is active, you can click, call or chat. Log in to myCigna.com or the myCigna app. Connect with us by: Click to chat. Live chat assistance is available from 9:00 a.m. to 8:00 p.m. (EST). Call us. We're here for you 24/7 using the number on your ID card.

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 towards 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 you pay for covered costs 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 (Cigna) The table below is a high level overview, for official details and plan information please review the Cigna Summary of Benefits & Coverage for details.

Plan Benefits (please see Summary of Benefits and Coverage for full details) Plan Highlights

In-Network

Out-of-Network

Plan Deductible

Individual: $1,000 Family: $3,000

Individual: $3,000 Family: $9,000

Plan Coinsurance

Plan pays 80%

Plan pays 50%

Plan Out-of-Pocket Maximum

Individual: $4,000 Family: $12,000

Individual: $12,000 Family: $36,000

Physician Services - Office Visits Primary Care Physician (PCP) Office Visit and Virtual Physician Services

$30 copay, and plan pays 100%

Plan pays 50%

Specialty Care Physician Services/Office Visit

$60 copay, and plan pays 100%

Plan pays 50%

Preventive Care Office Visit, Preventive Services, and Immunizations

Plan pays 100%

Plan pays 50%

Virtual Care (see virtual care page for more information) MDLIVE Urgent Virtual Care Services and Primary Care Services

Plan pays 100%

Not Covered

MDLIVE Specialty Care Services

$60 copay, and plan pays 100%

Not Covered

Inpatient and Outpatient Care Inpatient Hospital Facility Services

Plan pays 80%

Plan pays 50%

Outpatient Facility Services

Plan pays 80%

Plan pays 50%

Emergency Services Emergency Room (Includes ER Physician Charges, Lab and Radiology including Advanced Radiological Imaging (ARI) (Per visit copay is waived if admitted) Urgent Care Facility (Includes physician charges, lab and radiology)

$350 copay, and plan pays 80% $75 copay, and plan pays 100%

Plan pays 50%

Laboratory and Radiology Services Independent Lab

Plan pays 100%

Plan pays 50%

Outpatient Facility (Lab and Radiology)

Plan pays 80%

Plan pays 50%

Outpatient Therapy Services Outpatient Physical Therapy (Limit 20 visits)

$60 copay, and plan pays 100%

Plan pays 50%

Speech Therapy, Hearing Therapy, Occupational Therapy (Limit 20 visits)

$60 copay, and plan pays 100%

Plan pays 50%

Chiropractic Care (Limit 20 visits)

$60 copay, and plan pays 100%

Plan pays 50%

This plan uses a provider network. You will pay less if you use a provider in the plan’s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (balance billing). Be aware your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. See www.cigna.com or call 1-866-494-2111 for a list of network providers. 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.

Virtual Care Benefits (Cigna) Virtual care is making access to high-quality healthcare more convenient and affordable for you and every covered member of your family. That’s why Cigna Healthcare has partnered with MDLIVE to offer a broad suite of convenient virtual care options available by phone or video, and in English or Spanish.

Virtual Care Benefits (please see Summary of Benefits and Coverage for full details) Plan Highlights

In-Network

Primary Care Easy, fast appointments, referrals, prescriptions, lab work and diagnostic tests Virtual primary care through MDLIVE is only available for Cigna Healthcare medical members aged 18 and older. Covered at 100% on the City of Cornelia Plan.

Preventive care and wellness screenings available at no additional cost to identify conditions early (Appointments are required. For customers who have a non-zero preventive care benefit, MDLIVE virtual wellness screenings will not cost $0 and will follow their preventive benefit.) Manage chronic conditions and establish a relationship with the same primary care provider (PCP) through routine care. Receive orders for imaging scans, biometrics, and blood work at local facilities

Urgent Care Available via E-Treatment, phone or video. Covered at 100% on the City of Cornelia Plan.

Convenient, affordable alternative to urgent care centers and the emergency room Care for many minor illnesses and injuries, such as infections, cold & flu, and sinus problems Includes pediatric care, allowing your child to be seen quickly and from the comfort of their home

Dermatology Fast, customized care for skin, hair, and nail conditions – no appointment required Virtual dermatological visits through MDLIVE are completed via asynchronous messaging. Diagnoses requiring testing cannot be confirmed. Customers will be referred to seek in-person care. Treatment plans will be completed within a maximum of 3 business days, but usually within 24 hours.

Care for common skin, hair and nail conditions including acne, eczema, psoriasis, rosacea, suspicious spots and more Upload photos and describe symptoms for board-certified dermatologists to review Diagnosis and customized treatment plan, usually within 24 hours

Behavioral Care Talk therapy and psychiatry from the privacy of home, with no waiting rooms

Access to licensed therapists and board-certified psychiatrists Schedule an appointment that works for you and have recurring sessions with the same provider Care for topics such as anxiety, stress, life changes, grief and depression

It’s easy to connect to care. Access MDLIVE by logging into myCigna.com or the myCigna App. Find the Talk to a Doctor button on the homepage. You may have to scroll down. Select the type of virtual care you need Medical or Counseling. Estimated cost will be shown. Schedule your visit today OR call MDLIVE at 888.726.3171 when you need virtual care.

Medical Plan Per Pay Period Rates City of Cornelia pays 100% of employee only rates and 50% of dependent coverage Employee Only

$0.00

Employee + Spouse

$267.65

Employee + Children

$231.16

Family

$498.80

Pharmacy Benefits (Cigna) The table below is a high level overview, for official details and plan information please review the Cigna Summary of Benefits & Coverage for details.

Pharmacy Benefits (please see Summary of Benefits and Coverage for full details) Plan Highlights

In-Network

Out-of-Network

Generic Drugs (Tier 1)

$15 copay/prescription (retail 30 days), $15 copay/prescription (retail & home delivery 90 days) Deductible does not apply

50% coinsurance/prescription (retail); Not covered (home delivery) Deductible does not apply

Preferred Brand Drugs (Tier 2)

$35 copay/prescription (retail 30 days), $70 copay/prescription (retail & home delivery 90 days) Deductible does not apply

50% coinsurance/prescription (retail); Not covered (home delivery) Deductible does not apply

Non-Preferred Brand Drugs (Tier 3)

$60 copay/prescription (retail 30 days), $180 copay/prescription (retail & home delivery 90 days) Deductible does not apply

50% coinsurance/prescription (retail); Not covered (home delivery) Deductible does not apply

Specialty Drugs (Tier 4)

25% coinsurance but not more than $250/prescription (retail & home delivery 30 days) Deductible does not apply

50% coinsurance/prescription (retail); Not covered (home delivery) Deductible does not apply

Prescription Drug List: Your Cigna Advantage Prescription Drug List includes a full range of drugs including all those required under applicable health care laws. Some of the more expensive drugs are excluded when there are less expensive alternatives. To check which drugs are included in your plan, please log on to myCigna.com. Some highlights: Coverage includes a self administered injectable drug, but excludes infertility drugs. Contraceptive devices and drugs are covered with federally required products covered at 100%. Insulin, glucose test strips, lancets, insulin needles & syringes, insulin pens and cartridges are covered. Lifestyle drugs are covered - limited to sexual dysfunction. Generic non-sedating anti-histamines are covered. Prescription smoking cessation drugs are covered. Prescription vitamins are covered. Generic ulcer drugs (Proton Pump Inhibitors/PPI) are covered. View your drug list online Before your plan starts: 1. Go to Cigna.com/PDL 2. Click on the dropdown next to “Drug Lists for Employer Plans.” Scroll down until you see Cigna Advantage Prescription Drug List. 3. Click on 4-Tier (all specialty medications covered on Tier 4) Once your plan starts: 1. Log in to the myCigna App or myCigna.com 2. Use the Price a Medical tool to see how your medication is covered and how much it costs.

Cigna Healthcare Well-Being Services As part of your employer’s health plan, you get access to a variety of programs and services to help make your life easier — and healthier.

24/7 Customer Service Get answers to health, claims and benefit questions. Translation available for more than 200 languages.

24/7/365 Virtual Care In-Network care at no extra cost for primary, non-emergency urgent care and checkups. Broad range of services including specialty care, therapies, behavioral health, nutrition counseling and chronic pain management.

Identity Force Monitors, alerts and restores identity theft for bank, credit card, credit report, credit score and fraud. Go online to: cigna.identityforce.com/starthere Call 833.580.2523

Wellness Experience Complete health assessment and receive a health score. Track activity and healthy habits. Invite loved ones to join you and participate in fun challenges.

Please see Virtual Care page for more details

Health Information Line Call a nurse advocate at 866.494.2111 for health and treatment concerns. Chat is available Monday–Friday, 9:00 a.m.–8:00 p.m. ET, excluding holidays.

Emotional well-being resources 3 face-to-face visits with licensed behavioral health provider. Other services include: legal, financial, identity theft support and mental health resources.

See next page for continuation of Well-Being Services. Please also see Well-Being Services tab at www.cityofcorneliabenefits.com for more information on these services

Cigna Healthcare Well-Being Services (continued) As part of your employer’s health plan, you get access to a variety of programs and services to help make your life easier — and healthier.

Veteran Support Line Free 24/7 hotline to veterans, their families and caregivers. Does not have to be a Cigna Healthcare customer. Services include resources health, counseling, financial, food, housing, legal and family resources. Cigna Health Matters Care Management Free nurse advocate to assist in understanding condition(s) and treatment. Care coordination and resources, including benefits and cost guidance, provider coordination, referrals, financial, transportation help and emotional support.

Omada Virtual coaching program to support weight loss and lower risk for type 2 diabetes and heart disease for eligible members and their families who are at risk. Behavioral care Access to mental health and substance use providers - either virtual or in person. Both types of services costs the same.

Pharmacy home delivery Convenient home delivery for medications with online ordering, tracking, and 90-day supply options, plus free standard shipping. Ongoing support and savings, including 24/7 pharmacist access, automatic refills/reminders and optional payment plans. Specialty Medication Support Access 24/7 to pharmacists or nurses to received personalized help managing treatment. Find ways to save money and work through side effects.

Speak with a pharmacist Pharmacist support to stay on track with taking and understanding medication. Cigna Pathwell Bone & Joint Program designed to manage spine, knee, hip and shoulder pain with a Clinical Care Advocate. Advocate can help go over benefits, finding a treatment plan, access virtual and in-person physical therapy and surgery support.

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 Cigna Provider directory: www.hcpdirectory.cigna.com (Network: Dental PPO - Total) Claims must be submitted within 90 days of date of service Orthodontics available only for dependent children up to age 26 (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

One Plan

Class I: Preventive

100%

Class II: Basic

80%

Class III: Major

50%

Orthodontia

50% (no ortho deductible) Plan Benefits

Orthodontia Lifetime Maximum (Per covered person)

$1,500

Calendar Year Maximum (Per covered person)

$1,000

Calendar Year Deductible

$50 / $150 Family Max (Waived for Type I/Preventive)

Out-of-Network Coverage

90th UCR

Waiting Period

None

Dental Plan Per Pay Period Rates City of Cornelia pays for 100% of Employee Premium (applied to all other tiers) Employee

$0.00

Employee + Spouse

$14.53

Employee + Child(ren)

$25.99

Employee + Family

$41.08 *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.

Tip: Submit a pre-treatment estimate to stay ahead of your expenses.

Dental Services Quick Summary (see certificate for full list of services and frequencies)

Preventive

Basic

Major

Oral Exams (2/calendar year) Cleanings (2/calendar year) Routine X-rays (2/calendar year) Fluoride Application (1/calendar year for children under 19) Sealants (1/3 years for children up to age 14) Non-Routine X-rays Space Maintainers (limited to non-orthodontic treatment for children under 19) Emergency care to relieve pain (administrated at In Network coinsurance) Fillings Oral Surgery - Simple Extractions Oral Surgery - All Except Simple Extraction Surgical Extraction of Impacted Teeth Anesthetics Minor Periodontics Major Periodontics Root Canal Therapy/Endodontics Brush Biopsy Relines, Rebases, and Adjustments Repairs - Bridges, Crowns, Inlays, Dentures Crowns/Inlays/Onlays Stainless Steel/Resin Crowns Dentures Bridges

Manage your Dental on myCigna Access services on the myCigna app or myCigna.com: Find in-network providers. View, print or send your ID card information. Review coverage, manage and track claims. Sign up for new plan document alerts. Track your account balances and deductibles.

Dental Providers In-Network Dental Providers within a 20 mile radius

*Choosing in-network dental providers helps you get the most value and savings from your plan benefits.* Current providers list as of 10/13/2026. Providers are subject to change. Refer to the In-Network Provider Directory for a full list of providers. Provider Directory: www.hcpdirectory.cigna.com Network: Dental PPO - Total <10 Mile radius Elite Dentistry of Georgia 679 Baldwin Rd, Cornelia, GA 30531 (706) 778-7147 Aspen Dental 341 Furniture Drive, Cornelia, GA 30531 (706) 903-2335 Renew Dental 157 Hodges St, Cornelia, GA 30531 (706) 894-1919 Regina A. Boling, DDS 5332 Georgia 115 Ste A, Clarkesville, GA 30523 (706) 754-3215 Scott M. Thompson, DMD 225 Jefferson St Clarkesville, GA 30523 (706) 754-5855 Cleveland Family Dental 3777 Highway 129 S Cleveland, GA 30528 (706) 219-0033 <15 Mile radius Amir Ghalehgol, DMD (Agdmd) 471 S Main St Ste 110, Cleveland, GA 30528 (706) 865-0353 Tnonealyer Powers 306 Courthouse Square Cleveland, GA 30528 (706) 423-9291 John J. Crumpton, DMD 84 Helen Hwy, Cleveland, GA 30528 (706) 865-3174 Stalin H. De Souza Borges, DMD (Smile Doctors Braces) 42 North Ave Ste 200, Cleveland, GA 30528 (770) 536-0882 Samuel Castillo, DDS (Samuel L Castillo Family Dentistry) 3418 Highway 17 Alt, Toccoa, GA 30577 (706) 886-4256 Lora Savage, DMD (Wauka Mountain Famil Dentistry) 5300 Cleveland Hwy, Clermont, GA 30527 (770) 983-9496

<20 Mile radius Stalin H. De Souza Borges, DMD (Smile Doctors Braces) 82 Bell Plaza Dr, Toccoa, GA 30577 (706) 886-1491 Elite Dentistry Of Georgia 592 Medical Park Dr Ste B, Gainesville, GA 30501 (770) 863-7324 Dentistry For Children Of Ga 2150 Limestone Ridge NE 101, Gainesville, GA 30501 (770) 692-1000 Neethu Sajeev, DDS (Tebo Dentistry For Kids Gaines) 3535 Thompson Bridge Rd, Gainesville, GA 30506 (770) 925-3300 Sage Dental Of Gainesville Ga 1979 Jesse Jewell Parkway Southeast 102, Gainesville, GA 30501 (770) 830-3288 Lisa C. Selem, DDS (Gainesville Endodontics) 1100 Northeast Sherwood Park Drive suite 310, Gainesville, GA 30501 (770) 406-2051 Georgia Smile Team 578 S Enota Dr NE Ste B, Gainesville, GA 30501 (770) 536-3254 Hanna You, DMD (Everysmile Family Dentistry) 120 Banks Crossing Drive Commerce, GA 30529 (706) 423-0092 Green Street Smiles 615 Green St NW Ste 101, Gainesville, GA 30501 (770) 532-2336 Dentistry For Children Of Ga 655 Jesse Jewell Pkwy SE Ste E, Gainesville, GA 30501 (770) 692-1000

Vision Plan What is Vision Insurance? 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 Cigna Provider directory: www.eyedoclocator.eyemedvisioncare.com (Network: EyeMed) You can also search for providers through your myCigna App Claims must be submitted within 90 days of date of service 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

One Plan

Vision Plan Per Pay Period Rates

Exam

$10 Copay

Employee

$3.19

Contact Lens Fit & Follow-Up

$40 Copay

Employee + Spouse

$6.38

Frames

$150 allowance plus 20% off balance (Costco - $100 allowance)

Employee + Child(ren)

$6.06

Single Vision, Lined Bifocal & Trifocal, Lenticular Lenses

$25 Copay

Employee + Family

$9.53

Standard Progressive Lenses

Up to $65 Copay

Additional Lens Options UV Coating

$0 Copay

Scratch Coating

$0 Copay

Polycarbonate Lenses

Children: Covered in Full (Up to age 19) Adults: $40 Copay

Plastic Dye Tints

$0 Copay

Standard Anti-Reflective Coating

Up to $45 Copay

Photochromic - Glass or Plastic

Up to $75 Copay

Hi-Index Lenses

20% off retail Contact Lenses

Elective Conventional Contacts

$150 allowance plus 15% off balance

Elective Disposable Contacts

$150 Retail Allowance

Therapeutic

100%

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

Frequencies Exams, Lenses, Contact Lenses and Frames

Every 12 Months (Based on date of service)

Finding a provider through Cigna.com (without logging in) Go to Cigna.com, top of the page select Find A Doctor Select Employer or School Click on Additional Directories and select Cigna Vision serviced by EyeMed Directory.

Disability Plans 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 OneAmerica (Employee must be actively at work on the effective date.) Short-Term Disability: Annual enrollment, no health questions every year. Long-Term Disability: 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

Short-Term Disability

Long-Term Disability

Elimination Period

Benefits begin after being out of work due to an injury or illness for 7 days

Benefits begin after you have been out of work due to an injury or illness for 90 calendar days

Benefit Duration

Covers accidents and illnesses up to 12 weeks

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

$1,500 (weekly benefit)

$5,000 (monthly benefit)

Leave Offset Rules

Does not offset for salary continuation, but Will offset with Sick Leave and any outside will offset for workers compensation, or income (Social Security, Military pension, any other outside income retirement, etc.)

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. (Applies to new enrollees only)

Long-Term Disability: 3/3/12 - 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, unless you go treatment free for 3 months. (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 Plan What is Basic Life and AD&D Insurance? A financial protection plan which provides a lump-sum payment, known as a death benefit, to a beneficiary upon the death of employee.

Coverage through OneAmerica Premiums paid by City of Cornelia 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

Employee: $15,000 (AD&D matches Life amounts)

Additional AD&D Benefits

Seat Belt, Airbag, Repatriation, Education Benefit (See certificate for details)

Age Reduction

65% at age 65, 50% at age 70

Conversion

Included

Accelerated Life Benefit

If diagnosed with a terminal illness with less than 12 months to live, you can request your benefit while still living.

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 City of Cornelia at no cost to you.

Voluntary Term Life and AD&D Plan 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 OneAmerica 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 or 5 times annual salary Guaranteed Issue: $100,000

Spouse Benefit

Increments of $5,000 up to $500,000 (50% of Employee Election) Guaranteed Issue: $50,000

Child(ren) Benefit

$5,000 or $10,000 Benefit $1,000 for children Live Birth to 6 months Guaranteed Issue: $10,000

AD&D Amount

Match Life Amount

Age Reduction

Benefit reduces to 50% at age 70 Reduction is based on employee’s age

Portability & Conversion

Included

Accelerated Life Benefit

If diagnosed with a terminal illness with less than 12 months to live, you can request 75% of your benefit while still living.

Guaranteed Increase in Benefit for future enrollments

Employee: If enrolled, can increase by $10,000 up to the Guaranteed Issue amount.

Additional Benefits

Seat Belt, Airbag, Repatriation, Education Benefit (See certificate for details)

Dual Coverage (if both employee and spouse work at City of Cornelia)

If employee and spouse are both employed by City of Cornelia, they can cover each other. 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. 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.

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 Colonial Life (Whole Life Plus) Underwriting may be required. Coverage is not guaranteed. Must be actively at work on the effective date Permanent offers the flexibility to meet a variety of personal needs while allowing employees the choice of benefit and premium amounts which fit their paychecks and life styles Keep your coverage at the same cost even if you retire or change employers

Quick Summary Plan Maximums

Guaranteed Issue (New Hire or First Time Eligible)

Whole Life Employee (Issue ages 18-79) $5,000 - $500,000

Spouse (Issue ages 18-79) $5,000 - $500,000

Child (Issue ages 0-26) $5,000 - $50,000

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. Employee Up to $75,000 (Up to age 49) Up to $50,000 (Up to age 79)

Spouse Similfied Issue (answer questions in the system)

Children $10,000 to $25,000 (Age 0-17)

Guaranteed Issue (New Hire or First Time Eligible)

Accelerated Life Benefit

12 months or less (76% w/max of $150,000

Additional Features

Paid Up Options: age 70 or age 100 Accidental Death Rider Waiver of Premium Cash Value options

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? 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 Allstate Employee must be actively at work on the effective date. Dependent children are covered up to age 26. Routine childbirth and complications from pregnancy are covered 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

One Plan

Coverage

Off the Job

Pre-existing condition limitation

None

Pregnancy Waiting Period

None

Age Reduction

None

Portability

Included Plan Benefits

First Day Hospital Confinement (No limit on number of occurrences)

$1,100

Daily Hospital Confinement (daily)

$100 (If First Day Hospital Confinement Benefit is not payable: Days 1-10)

Hospital Intensive Care (daily)

$100 (Maximum 10 Days Payable)

Hospital Indemnity Plan Per Pay Period Rates Employee

$5.22

Employee + Spouse

$16.74

Employee + Child(ren)

$7.38

Employee + Family

$21.72

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 Allstate Employee must be actively at work on the effective date No health questions - Every Year! 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

One Plan

Coverage

Off the Job

Age Reduction

None

Pre-Existing Condition Limitation/Waiting Period

None

Portability

Included Plan Benefits

Emergency Room Services

$400

Urgent Care

$200

Initial Hospital Confinement

$2,000 (pays once/year)

Daily Hospital Confinement

$400 (pays daily up to 365)

Intensive Care

$800 (pays daily)

Fractures, Dislocations, Burns, and Lacerations

Up to $8,000 (Amounts vary according to type of injury and severity)

Outpatient Physician's Benefit Rider

Payable once per day, per covered person, not to exceed 2 days per covered person, per calendar year and a maximum of 4 days per calendar year if dependents are covered. Covers sickness.

Accident Plan Per Pay Period Rates

Employee

$7.02

Employee + Spouse

$16.04

Employee + Child(ren)

$19.64

Employee + Family

$25.74

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

Cancer Plan What is Cancer Insurance? Cancer insurance is a form of supplemental insurance meant to offset cancer related expenses so you can focus on recovery. Coverage through Allstate Payments made directly to you and do not offset with medical insurance If electing outside of initial enrollment period or adding dependents, health questions will be required for new participants. Must be diagnosed after approved for plan. Does not cover cancer previously diagnosed. 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

Plan 1

Plan 2

Portability

Included

Pre-Existing Condition Limitation

12 month look back period; 12 month exclusion period

Age Reduction

None

Waiting Period

30 Days for initial Diagnosis only

Plan Benefits

Plan 1

Plan 2

Initial Diagnosis (a one time benefit)

$2,000

$4,000

Ambulance (per confinement)

$100

Blood/Plasma/Platelets

$10,000 (every 12 months)

$15,000 (every 12 months)

Bone Marrow/Stem Cell

Autologous: $1,500 Non-autologous (cancer or specified disease treatment): $3,750 Non-autologous (Leukemia): $7,500

New or Experimental Treatment

$5,000 per year

Extended Care Facility/Private Duty Nursing Services

$200 daily

$300 daily

At Home Nursing

$200 daily

$300 daily

Continuous Hospital Confinement

$200 daily

$300 daily

ICU (daily): $600 & Step-Down (daily): $300 Ambulance: Actual Charges

Intensive Care Medical Imaging

$500 per year

$750 per year

Wellness Incentive

$75

$100

Cancer Plan Per Pay Period Rates Plan

Plan 1

Plan 2

Employee

$12.73

$17.11

Employee + Spouse

$20.06

$26.88

Employee + Child(ren)

$18.14

$24.37

Employee + Family

$25.46

$34.13

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? An annual reimbursement for covered members who complete one of the eligible screening procedures on an elected cancer plan. Available Wellness Incentives

Low Plan

High Plan

Allstate - Cancer

$75/year

$100/year

Examples of Eligible Screenings: Allstate Cancer (Policy #09198) Biopsy for skin cancer Bone Marrow Testing CA15-3 (breast cancer) CA125 (ovarian cancer) CEA (colon cancer) Cervical Cancer Screening Chest X-ray Colonoscopy Mammography, including Breast Pap Smear/ThinPrep pap test PSA (prostate cancer) How to submit a claim: Register at www.mybenefits.standard.com or download the MyBenefits app (Android & Apple) Select how payment should be made to you: direct deposit or mail check Choose which coverage the claim is for Take photos and upload supporting documents such as a hospital bill Verify electronically with E-signature

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

FSA What is a Flexible Spending Account? 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? A pre-tax account used to pay for dependent care services such as daycare, before or after school programs, and elder care. Coverage through Consolidated Admin Services 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.cityofcorneliabenefits.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

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

$3.50

Replacement Card Fee

$10.00

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 CAS 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: Consolidated Admin Services

Visit the website: www.consolidatedadmin.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!

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.cityofcorneliabenefits.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.cityofcorneliabenefits.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.