Stone County BOS - Benefit Guide by campusleadership

Guide

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 by 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

Participate

Attend a benefits meeting to learn about the benefits and resources available to you Assess

Carefully evaluate your options and determine what best fits the needs of you and your family

Complete

Make your benefit elections for the upcoming plan year or as part of your new hire process

Embrace

Fully embrace the process by documenting your choices, sharing key information with your family, and keeping your benefit details in a safe place for future reference.

Stone County Board of Supervisors 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.

Eligibility

Benefits Eligible Employees: Full-Time employees and Elected Officials working 30 or more hours a week.

Employees may also enroll eligible family members under certain plans if elected for the employee as well.

Eligible family members include: Your legally married spouse

Your unmarried children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply) up to the age of 26. Disabled children age 26 or older who meet certain criteria may continue on your health coverage.

Employees who choose to waive/decline any benefits for themselves or their dependents will not be eligible to enroll until open enrollment for each plan without a Qualifying Life Event. Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate, which is available on your employee benefits website, or by contacting Campus Benefits.

When Do Benefits Begin?

The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin the first of the month following 60 days of employment. For all benefits, you must be actively at work on the effective date of coverage.

You must complete the enrollment process as a new hire within 31 days of satisfying the established probation period.

When Do Benefits End?

Upon termination of employment, the benefits end date may vary by benefit, but typically end at the end of your last month of employment. Please consult with a Campus Benefits advisor on your specific end date and options for porting any current coverages.

Important Notes:

This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important you review each benefit’s summary plan description (SPD) and other carrier materials before making any selections.

Remember: Please review and/or update beneficiaries annually for all benefits including Basic Life, Voluntary Term Life & AD&D and Permanent Life policies. Carefully review your plan options and consider which ones best meet your needs. Make your choices during your assigned enrollment period to receive coverage for the coming year.

To complete enrollment you will be required to enter 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 September 1 to August 31 . st st

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: 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 take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms, and immunizations. Through the plans offered by Campus Benefits, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.

Which Preventive Care Services are Covered?

The US preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e. Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered:

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

Health Insurance 101

Before you enroll, here are some things you need to know and understand.

Coinsurance

After your deductible is met, the percentage of eligible expenses you are required to pay for covered health services.

Copayment

A fixed dollar amount you pay for healthcare services, such as doctor’s visits, urgent care or emergency room services. Co-payments track towards your Out-of-Pocket Maximum, but do not apply towards the deductible.

Deductible

The amount you pay for certain covered healthcare services before your insurance plan starts to pay on your behalf. See your full plan summary for additional details.

Preventive Care

Routine healthcare services like check-ups, immunizations, and screenings for adults, women’s health, and children.

In-Network vs. Out-of-Network

Hospitals and providers who have a contracted agreement with benefit providers to make covered services available to members at a discounted rate.

In-Network providers have a contract with the insurance company and offer services at a discounted rate.

Out-of-Network providers do not have a contract, often resulting in higher costs for services.

Out-of-Pocket Maximum (OOPM)

The most you will pay for healthcare services during the calendar year. After you spend this amount on coinsurance, your health plan pays 100% of the costs for covered benefits (with minimal exceptions).

Premium

This is the cost you will pay to participate in the employer health plan. Your Premium is separate from your Deductible and Out-of-Pocket Maximum.

Qualifying Life Event (QLE)

A status or life change that allows you to make changes to your benefits mid-year.

Reasonable & Customary

Going rate for a procedure based on geographic location.

Explanation of Benefits (EOB)

A statement provided by your insurance carrier explaining what services were billed, what the plan paid, and any amount you may still owe. An EOB is not a bill.

Summary of Benefits and Coverage (SBC)

A standardized document that outlines what the plan covers, cost-sharing details, and examples of how the plan would pay for common medical situations.

Service Hub/Support Center

Campus Benefits is your dedicated advocate for all your voluntary benefits.

When to contact the Campus Benefits’ Service Hub?

Portability/Conversion

Benefits Education

Evidence of Insurability

Qualified Life Event Changes

Claims

Card Requests

Benefit Questions

COBRA Information

How to File a Claim?

Contact Campus Benefits via Phone or Email

Work with Campus Benefits’ claims specialist to complete the necessary paperwork

Submit the Necessary Paperwork to Campus Benefits via the secure upload

Secure upload located at:

https://stonecountybosbenefits.com/

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 plan information is available at: https://stonecountybosbenefits.com/

Medical

Stone County Board of Supervisors is proud to offer employees a medical plan administered through Blue Cross Blue Shield of Mississippi, paired with a GAP plan administered by Fox Everett. A GAP plan is designed to supplement the deductible of a high deductible health plan. This reduces the amount the member has to pay out of pocket prior to the plan's coinsurance taking effect. The chart below illustrates the total deductible for the plan, what the member is responsible for paying, and what the GAP Plan is responsible for paying.

NOTE: You must always present your BCBS of MS medical ID card to providers, as well as your Fox Everett GAP plan ID card which is secondary to your medical plan.

Rates - Medical Plan

Stone County pays a percentage of the premium for all tiers. Premiums include the GAP Plan

Stone County Board of Supervisors GAP

per calendar year - Includes

(Per Covered Person)

The GAP Plan benefit applies secondary to the employer's Primary Group Health Policy. The GAP Plan benefit applies to charges that are covered by the Primary Group Health Plan and which apply to the Primary Group Health Plan In-Network deductible and/or out of pocket. Charges that are not a covered expense under the PGHP will not be covered under the GAP Plan

GAP Plan reduces your annual individual medical deductible to $2,000

per calendar year - Includes

The GAP Plan reduces the employees and covered dependents annual deductible to $2,000 per person, plus $1,500 coinsurance (total annual liability in-network is $3,500 for each covered person.) The GAP Plan does not cover copayments.

Rates - GAP Plan

Health and Wellness Benefit Plan Summary

September 1, 2025 - August 31, 2026

This Health and Wellness Benefit Plan summary is designed for the purpose of presenting general information about the Health and Wellness Benefit Plan and is not intended as a guarantee of benefits All services referenced in the Health and Wellness Benefit Plan are subject to Medical Policy and Medical Necessity review to determine if the services are covered This is not a Summary Plan Description In the event of a conflict between this document and the actual Health and Wellness Benefit Plan, the terms of the Health and Wellness Benefit Plan will prevail

Benefit Plan Year: Calendar Year

Deductible Amounts:

Individual Medical Deductible: $5,000

Family Maximum: $10,000

Prescription Drug Deductible: $150

The Deductible does not apply where there is a Co-payment amount. Co-payment amounts do not accrue toward the Medical Deductible Amount but do accrue to Network Out-ofPocket amount.

Out-of-Pocket Maximum for Network Provider

Individual: $6,500

Family: $13,000

Network Provider Benefits (subject to the allowable): 80%

Non-Network Provider Benefits (subject to the allowable): 50%

All services are subject to the Network Provider and Non-Network Provider Benefits

HEALTHY YOU! PREVENTIVE HEALTH SERVICES - See the Healthy You! Preventive Health Services Age and Gender Guidelines located at www.bcbsms.com. Benefits for covered screenings are provided at I00% at no out-of-pocket cost. Services must be rendered by a Network Provider approved by the Company in that Provider's clinical setting. Members with a Blue Primary Care Home will receive Healthy You! Covered Services from their selected Blue Primary Care Network Provider or Pediatric Blue Primary Care Network Provider Not covered at Non-Network Providers

HOSPITAL SERVICES - Includes Inpatient and Outpatient Hospital Services, which are not those services included under the Specialty Services provisions Only certain Covered Services will be covered in a Hospital setting

Prior Authorization may be required to determine the most clinically appropriate setting

EMERGENCY ROOM (ER) SERVICES - See special information related to ER Services included in your Health and Wellness Benefit Plan found in the my Blue portal at www.bcbsms.com.

AMBULATORY SURGICAL FACILITY SERVICES (ASF)

Prior Authorization for Ambulatory Surgical Facility Services may be required if the Covered Service can be provided in a lower place of treatment (i.e. office.)

Physician Services (M.D. and D.O. Only) - Office Visit

Primary Care: 100% after $30 co-pay

Specialist: 100% after $30 co-pay

Non-Network Provider: 50%

(Co-pay does not apply to any other services rendered in the office Other Services rendered in the Physician's Office are subject to the Benefit amounts )

Surgery (Hospital/ASF)

Diagnostic Services

Medical (Inpatient)

ALLIED PRIMARY CARE HEALTH PROFESSIONAL

(Certified Nurse Practitioner, Certified Nurse Mid-wife and Physician Assistant)

Office Visit - Network Provider: 100% after $30 copay

Office Visit - Non-Network Provider: 50%

(Co-pay does not apply to any other services rendered in the office. Other Services rendered in the Office are subject to the Benefit amounts.)

SPECIALTY SERVICES - Certain specified Specialty Services must be rendered by a Center of Excellence

Provider or a Blue Specialty Network Provider for you to receive Benefits. Please refer to your Health and Wellness Benefit Plan to learn more about Specialty Services

Health and Wellness Benefit Plan Summary

September 1, 2025 - August 31, 2026

PRESCRIPTION DRUGS

•Prescription Drug Deductible does not apply to Category I drugs

•No Benefits will be provided for any drug not included in the Company's Prescription Drug, Maintenance Drug, or Disease Specific Drug Formulary

Community PLUS Pharmacy Non-Community PLUS Pharmacy

Category One Drugs

Category Two Drugs

Category Three Drugs

Category Four Drugs

$15 Copay No Benefits

$35 Copay No Benefits

$75 Copay No Benefits

$100 Copay No Benefits

MAINTENANCE DRUGS - Members can receive a 90-day supply of certain drugs from a Community PLUS Maintenance Pharmacy Refer to the Health and Wellness Benefit Plan for more information

DISEASE SPECIFIC DRUGS - Drugs must be provided by a Network Disease Specific Pharmacy or a member's NonPharmacy Network Provider, authorized in advance by the Company, and listed in the Disease Specific Drug Formulary. This Benefit is covered after 10% of the Allowable up to a $350 co-pay with a minimum $100 copay.

GENERIC DRUGS

If a generic equivalent Prescription Drug, Interchangeable Biological Product or Biosimilar Product is available but the member purchases a brand name or Reference Biologic Medication, the member will be responsible for the entire cost of the drug.

Certain brand name drugs included in the applicable Drug Formulary that have a generic alternative, Interchangeable Biological Product or Biosimilar Product may be subject to a trial usage of a generic alternative drug, Interchangeable Biological Product or Biosimilar Product for a specific period of time before Benefits will be available for the prescribed drug

MENTAL HEALTH AND SUBSTANCE USE DISORDER BENEFITS

Covered services are subject to Deductible, Co-pay and Network or Non Network Co-insurance.

ORGAN AND TISSUE TRANSPLANT BENEFITS - Renal Transplants, Other Solid Organ Transplants (Liver, Heart, Lung),Tissue Transplants (Bone Marrow Transplants) and Donor Benefits Prior Approval and Care Management required Covered Services must be provided by a Network Provider approved and designated by Company for the particular transplant surgery Travel and lodging Benefits may be available subject to the Travel and Lodging Reimbursement Policy

NEWBORN WELL BABY CARE - Subject to the Network and Non-Network Benefit amounts, Benefits for a newborn covered as a Dependent include subsequent visits while in the Hospital with the mother, circumcision and discharge of baby.

COLOR ME HEALTHY! - As part of our continued commitment to your health, you have the option to enroll in the Color Me Healthy! Benefit that focuses on the treatment and control of metabolic health risks and diseases Once you enroll in this program, certain covered outpatient services must be rendered by a Color Me Healthy! Network Provider in order to receive Benefits Members with a Blue Primary Care Home will receive Color Me Healthy! Covered Services from their selected Blue Primary Care Network Provider.

OTHER COVERED SERVICES SUPPLIES OR EQUIPMENT

PROVIDED BY AN ALLIED PROVIDER OR PHYSICIAN

Allergy Injections/Testing Services

Ambulance Services

Diagnostic Services Facility*

Dialysis Treatment*

Durable Medical Equipment*

Hospice Care*

Independent Laboratory

Infusion Services*

Orthotic Devices

Outpatient Cardiac Rehabilitation*

Physical Medicine*

Prosthetic Appliances

Sleep Studies*

Speech Therapy

Therapy Services*

*Benefits are not available unless provided by a Network Provider.

There are important details that are not included in this summary about covered services, prior authorization requirements, benefit limits and services that are not covered. You can find these details in your Health and Wellness Benefit Plan online through the myBlue portal at www.bcbsms.com. There, you can read the plan online or print a copy.

Stone County Board of Supervisors GAP

Plan #G117 - Administered by Fox/Everett

What is the GAP Plan?

The GAP Plan is an employer sponsored group supplemental (secondary) insurance plan which is designed to help reduce the cost of group medical coverage.

Who is Fox Everett?

Fox Everett is a TPA (third-party administrator) who administers billing, eligibility, and processes claims for your GAP Plan

Claims Process

The employee simply presents their primary and secondary insurance cards every time they see their provider.

The provider and insurance carriers do all the work and the member pays the final bill.

Step 1: Member Shows Both Cards

Give both primary & secondary cards every time they see a provider In order for claims to be filed with the insurance carriers, the provider must have the insurance information in their records

Step

4: Premium Saver Pays Provider

Secondary insurance carrier processes claim and sends payment & EOB to the provider. A copy of the EOB will also be sent to the member.

Step 3: Provider Files the Claim

Once the provider has received the major medical’s EOB, the provider will submit the claim to the secondary insurance carrier by filing electronically or by paper

Step 2: Provider Verification

Verifies coverage with both insurance carriers

Client Portal

Self-service online toll and mobile app to view benefit information, claims and access your Fox Everett ID card by visiting:

Website: mybenefits.foxeverett.com Mobile App: Fox Everett

Please see the Fox Everett flyer for directions and additional information

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 Mutual of Omaha

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.

(see certificate for full list of services and frequencies)

Hospital and ICU Admission

Combined total of 2 admissions per policy year, separated by 30 days

Hospital Confinement

- Benefits term when employee turns age 80

Hospital - $1,000/admission ICU - $2,000/admission (Hospital Admission & Hospital ICU Admission benefits are not payable on the same day)

Combined total of 30 days per policy year Hospital - $100/Day ICU - $200/Day (Hospital Confinement & Hospital ICU Confinement benefits are not payable on the same day) Daily Newborn Nursery Care Confinement

$75/day (max 2/policy year) Hospital Observation/Short-Stay (less than 18 hours)

$100/day (max 1/policy year) Express Benefit

(equal to one daily hospital confinement benefit)

admission

$50 (1/person, 6/family, per policy year)

Claims must be filed with the carrier for reimbursement. Contact the Campus Benefits’ Service Hub for assistance in filing your claims.

Phone: 866.433.7661, opt. 5 Email: mybenefits@campusbenefits.com

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.

Dental Plan

What is Dental Insurance? 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.

covered services. Please see the Plan Certificate on your

Website for a detailed listing of services in their entirety.

The

Plans

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).

Provider directory: https://www.metlife.com/insurance/vision-insurance/#find-a-provider Network:

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.

Single Vision, Lined Bifocal & Trifocal, Lenticular

Standard Progressive Lenses

Standard

to $60 Copay

$130 allowance plus 20% off balance

$150 allowance on featured frames $70 allowance at Costco, Walmart, & Sam's Club

$25 Copay

to $55 Copay

Coating $0 Copay Standard Scratch Resistant $17 - $33 Copay

Covered in Full (Up to age 18)

$35 Copay

$41 - $85 Copay

$47 - $82 Copay

person

pairs of

eyeglasses, OR 1 pair of eyeglasses & an allowance towards contacts, OR Double the contact lens allowance

Employee Assistance Program (EAP)

What is an EAP? Programs offered to Stone County Board of Supervisors’ 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

Eligible for all Stone County 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 1.800.316.2796 or visit mutualofomaha.com/eap

Confidential Counseling

Helps employees address stress, relationship and other personal issues for you and your family

An in-house team of Master’s level EAP professionals who are available 24/7/365 to provide individual assessments

Three sessions per year (per household) conducted by face-to-face* counseling or telehealth (text, chat, phone or video) via a secure, HIPAA compliant portal

Sessions with highly trained master’s and doctoral level clinicians

Stress anxiety and depression

Relationship/marital conflicts

Problems with children

Job pressures

Grief and loss

Substance abuse

Financial Information and Resources

Speak by phone with a Certified Public Accountant and Certified Financial Planner on a wide range of financial issues, including:

Getting out of debt

Credit card or loan problems

Tax questions

Retirement planning

Estate planning

Saving for college

Online Resources

Timely articles, HelpSheets, tutorials, streaming videos and self-assessments

Child care, elder care, attorney and financial planner searches

An inclusive website with resources and links for additional assistance, including:

Current events and resources

Family and relationships

Emotional well-being

Financial wellness

Substance abuse and addiction

Legal assistance

Physical well-being

Work and career

Bilingual article library

Work-Life Solutions

Work-Life Specialists will do the research for you, providing qualified referrals and customized resources for:

Child and elder care

Moving and relocation

Making major purchases

College planning

Pet care

Home repair

EAP Plan Rates

Coverage paid for by Stone County Board of Supervisors at no cost to you.

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 death easier on a family (at least financially). There are two voluntary life insurance options offered through your employer: Term Life Insurance and Permanent Life Insurance. To follow is an overview of differences.

Permanent Life Insurance

Permanent Life Insurance is illustrated to the right along the bottom of the graph with a straight blue arrow.

Permanent life insurance offers a stable premium along the lifetime of the policy

Permanent life offers a level premium and is meant to take into retirement

Permanent life is an issue age policy and is based on your age at the time the policy is issued

This is an individual plan you can take with you regardless of where you work

Term Insurance

Term Life insurance is illustrated on the bell curve below

The term life offered is a group policy which allows you to get more benefit for less premium

Term life insurance is for the unexpected death

Includes an Accidental Death & Dismemberment Benefit

Term life insurance is flexible and allows changes to your benefit amount each year depending on life changes. For example, as you get married and have children the need for term insurance often increases. As you near retirement, the need for term life insurance often decreases.

Coverage is portable at retirement or if you leave the employer (premium will increase)

Premiums are based on age and increase as you get older

Basic and Voluntary Term Life and AD&D Plans

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

Only covered employees may elect dependent coverage; Dependent coverage may not exceed employee coverage amounts

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.

$50,000 - Elected Officials

- Employees

Age Reduction Benefit reduces to 65% at age 65 50% at age 70

80% to $40,000 (Elected Officials) 80% to $16,000 (Employees)

Employee Assistance Program (EAP) Included

Employee Benefit

Spouse Benefit

Child(ren) Benefit

paid for by Stone County Board of Supervisors at no cost to you.

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.

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

Quick Summary

Increments of $10,000 up to the lesser of $300,000 or 5 times annual salary

Guaranteed Issue: $120,000

Increments of $5,000 up to $150,000 (100% of Employee Election) Coverage terms when employee turns age 80

Guaranteed Issue: $25,000

Increments of $1,000 up to $10,000 (Minimum Benefit: $2,000)

Guaranteed Issue: $10,000

AD&D Amount Match Life Amount

Age Reduction Benefit reduces to 65% at age 65 and 50% at age 70

Portability & Conversion Included Living Care Benefit 80% to $240,000

Employee:

Guaranteed Increase in Benefit (Future Enrollments)

If currently enrolled: Increase by $20,000 up to the GI amount (any amount above $20k or above the GI amount would require health questions)

Spouse:

If currently enrolled: Increase by $10,000 up to the GI amount (any amount above $10k or above the GI amount would require health questions)

Additional Features Seat Belt, Common Carrier, Airbag, Repatriation (See certificate for details)

Permanent Life

Whole Life coverage does not need to be elected as an employee to obtain for dependents

Must be actively at work on the effective date

Underwriting may be required. Coverage is not guaranteed.

Permanent life offers the flexibility to meet a variety of personal needs while allowing employees the choice of benefit and premium amounts which fit their paycheck and lifestyle

Keep your coverage, at the same cost, even if you retire or change employers

Cost of coverage is based on the level of benefit you choose and your age. Spouse and Children policies are based on their age.

Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

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 Mutual of Omaha

Employee must be actively at work on the effective date

Disability insurance will be offset by sick leave, workers compensation, or any other outside income

Long-Term Disability: Evidence of Insurability (EOI) will be required if electing outside of initial enrollment.

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.

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.

Long-Term Disability Quick Summary

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.

Short-Term Disability Quick

Accident Plans

What is Accident Insurance? Accident

pocket costs from unexpected accidents, without offsetting your medical insurance.

Coverage through Mutual of Omaha

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

and

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.

Critical Illness Plan

What is Critical Illness Insurance? 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 Mutual of Omaha

Employee must be actively at work on the effective date

No health questions - Every Year!!

Elect Critical Illness with or without Cancer Coverage based on your individual needs

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.

Subsequent

Reoccurrence Benefit

days – Once an Initial Benefit has been paid for a Critical Illness for an Insured Person, a benefit for the diagnosis of a different Critical Illness is payable if the dates of diagnosis are separated by 30 days or more.

90 days – Once an Initial Benefit has been paid for a Critical Illness for an Insured Person, a benefit for a reoccurrence of the same diagnosis is payable if the dates of diagnosis are separated by 90 days or more.

Critical Illness Plan

Important Notes:

Critical illness insurance is a supplemental policy for people who already have health insurance. It provides you with an additional payment to cover expenses like deductibles, treatments, and living costs.

Critical illness insurance is an affordable way to supplement and pay for additional expenses that your health insurance doesn’t cover.

Illness Quick Summary (see certificate for full list of benefits and frequencies)

Neurological Movement Disorders

Neurological Brain & Skull Conditions

Organ Conditions

100% of Benefit Elected (Alzheimer’s Disease, Amyotrophic Lateral Sclerosis (ALS), Dementia, Multiple Sclerosis (MS), Parkinson’s Disease

100% of Benefit Elected Bone Flap/Skull Defect, Stroke 10% of Benefit Elected

Transient Ischemic Attack (TIA) or Reversible Ischemic Neurologic Deficit (RIND)

100% of Benefit Elected Major Organ Failure, End Stage Renal Failure

Critical Illness Plan Rates

Cost of coverage is based on your age and benefit amount elected. Child coverage is automatically included in employee premium amount. Children must be listed in the system. Please consult with a Campus Benefits Counselor or log into the enrollment system for rate details.

Mutual of Omaha Wellness Benefits

What are Wellness Incentives? An annual reimbursement for covered members who complete one of the eligible screening procedures on your critical illness, hospital indemnity and/or accident insurance plans.

Mutual of Omaha has a wellness benefit included in the Hospital Indemnity, Accident, and Critical Illness plans If you or a covered dependent get one of the eligible screenings, you can file a wellness claim Once approved, you will receive a check for the wellness benefit amount. The wellness incentive can be filed annually as long as your plans are in force.

Please visit your benefits website for instructions and the form to complete. Website: https://stonecountybosbenefits.com/

Cancer Plans

related expenses so you can focus on recovery.

Coverage through Guardian

Payments made directly to you and do not offset with medical insurance

If electing outside of initial enrollment period, health questions will be required for new participants

Must be cancer free for 5 years if previously diagnosed with cancer

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. What is Cancer Insurance?

Confinement

ICU Confinement

$300/day for first 30 days;

$600/day for 31st day thereafter per confinement

$400/day for first 30 days;

$600/day for 31st day thereafter per confinement

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

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

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

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

up to 30 days per year $150/day up to 30 days per year

Cancer Plans

Guardian Wellness Benefit

Guardian has a wellness benefit included in the Cancer plans If you or a covered dependent get one of the eligible screenings, you can file a wellness claim Once approved, you will receive a check for the wellness benefit amount. The wellness incentive can be filed annually as long as your plans are in force.

Please visit your benefits website for instructions and the form to complete. Website: https://stonecountybosbenefits.com/ Disclaimer:

Physical or Speech

Prosthetic

Radiation Therapy Chemotheraphy

Surgically Implanted:

$2,000/device, $4,000 lifetime max

Non-Surgically; $200/device, $400 lifetime max

Schedule amounts up to a $5,000 benefit year maximum

Second Surgical Opinion $200/surgical procedure

Biopsy Only: $100

Reconstructive Surgery: $250

Skin Cancer

Surgical Benefit

Excision of a skin cancer: $375

Excision of a skin cancer with flap or graft: $600

$25/visit up to 4 visits per month, $400 lifetime max

Surgically Implanted:

$2,000/device, $4,000 lifetime max

Non-Surgically; $200/device, $400 lifetime max

Schedule amounts up to a $10,000 benefit year maximum

$50/visit up to 4 visits per month, $1,000 lifetime max

Surgically Implanted:

$3,000/device, $6,000 lifetime max

Non-Surgically; $300/device, $600 lifetime max

Schedule amounts up to a $15,000 benefit year maximum

procedure $300/surgical procedure

Biopsy Only: $100

Reconstructive Surgery: $250

Excision of a skin cancer: $375

Excision of a skin cancer with flap or graft: $600

Biopsy Only: $100

Reconstructive Surgery: $250

Excision of a skin cancer: $375

Excision of a skin cancer with flap or graft: $600

BCBS MS - Healthy You!

Healthy You! is a wellness benefit that provides you and your covered dependents with an annual wellness visit with your Healthy You! Network Provider. This wellness benefit is paid at 100% with no deductible, copay or coinsurance when you use your Healthy You! Network Provider

Covered wellness screenings and immunizations are based on age and gender to ensure you receive the screenings you need to understand and manage your health risks, both at an early age and as you get older.

Healthy You! is about helping you stay well. If you are sick on the day of your Healthy You! visit, reschedule your visit for a day that is more appropriate for you to discuss your health and wellness.

What is a Healthy You! Visit?

The Healthy You! wellness benefit is more than just an annual doctor’s visit It’s an opportunity for you to take accountability for your health by learning your “numbers” for cholesterol, blood pressure, blood sugar and your weight. This can help give a clearer picture of your overall health status that you can’t always see by looking in the mirror.

Getting Started

Follow the steps below to get started using your Healthy You! Wellness Benefit: Go to https://www.bcbsms.com/im-a-member/healthy-you-wellness-benefit/ Step 1: Find a Blue Primary Care Network Provider

The Healthy You! wellness benefit is paid at 100% with no deductible, copay or coinsurance when you use your Blue Primary Care Network Provider Step 2: Make an appointment

When you call to schedule your appointment, be sure to tell the office staff you are scheduling your annual Healthy You! visit. Contact information for Blue Primary Care Providers is available anytime right in the myBlue app.

Step 3: Read the Healthy You! Services Guide

You can access the Healthy You! services guide on the myBlue mobile app to make sure you receive all of the screenings and services for your age and gender. Guide can also be found at the website listed above.

Questions to ask your doctor

What are my health numbers and how do they compare to the recommended? What is one way I can improve my health?

Can you describe my current health status? Are my screening tests up to date?

Am I taking the lowest cost prescription drug available?

BCBS MS - Color Me Healthy!

Depending on the range of your health numbers identified at your Healthy You! visit, you may have access to our Color Me Healthy! benefit at no out-of-pocket cost to you!

Color Me Healthy! is a health management benefit available to Members with low to high risk factors for high blood pressure, high cholesterol and/or high blood sugar. The goal of the benefit is to give you access to additional doctor’s visits (up to four are available based on individual risk levels), resources and tools to best manage your chronic conditions, lower your risks, improve your health and ultimately empower you along your personal health journey.

For more information, visit the following

https://behealthy bcbsms com/Health-and-Wellness/Your-Color-Me-Healthy-Benefit-Explained

The Color Me Healthy! benefit is a proactive approach to health. It’s about addressing your health numbers and conditions now, that if left unchecked could lead to bad health outcomes and higher healthcare costs in the future.

It’s important to know that metabolic conditions like high blood pressure, high cholesterol and high blood sugar can develop over time and often don’t present with warning signs or symptoms. That’s why it's crucial to have your annual Healthy You! wellness visit each year, have open dialogue with your physician about your health numbers and work your wellness plan to improve health numbers with elevated risks.

Leading a healthy lifestyle can help prevent and manage metabolic conditions. Tips for leading a healthy lifestyle include:

Getting enough physical activity

Eating a healthy diet

Maintaining a healthy weight

Limiting alcohol

Getting enough sleep

Quitting smoking

Managing stress

Blue Cross & Blue Shield of Mississippi is proud to partner with doctors and clinics around the state to provide you with smarter, better healthcare centered around you.

The 2025-2026 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 all located at www.stonecountybosbenefits.com. 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.