PLAN YEAR
January 1, 2025 –December 31, 2025
ASSOCIATE BENEFITS GUIDE
WELCOME
To your 2025 benefits!
Towne Park offers you and your eligible family members a comprehensive and valuable benefits program.
This guide has been developed to assist you in learning about your benefit options and how to enroll. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.
Core benefits are effective the first of the month following your enrollment once eligible.
Who is Eligible to Enroll?
Associate Eligibility
Full Time Associates: If you’re a full-time Associate at TownePark , you’re eligible to enroll in the benefits outlined in this guide. Full-time Associates are defined as:
• All salaried field Associates
• All salaried and hourly FSC Associates
• All (primary) Shuttle Driver roles
Hourly Associates that have worked on average 30 or more hours per week (1,560 hours) over a 12-month period based on the Associate’s service date.
Spouse / Dependent Eligibility
In addition, the following family members are eligible for medical, dental and vision coverage:
• Your legal spouse
• Your children up to age 26
Making Benefit Changes During the Plan Year
Qualifying Life Events
Unless you experience a Qualifying Life Event, you cannot make changes to your benefits until the next Open Enrollment period. Qualifying Life Events include:
• Marriage, divorce or legal separation
• Birth or adoption of a child
• Change in child’s dependent status
• Death of a spouse, child or other qualified dependent
• Change in employment status or a change in coverage under another employer-sponsored plan
To make changes, you must access your Workday profile within 30 days (60 days for birth/ adoption) of a Qualifying Life Event (QLE). To submit a QLE, please access your Workday account > Menu > Benefits & Pay > Change Benefits to submit your QLE form and request. You may need to provide proof of the event, such as a marriage license.
If you don’t take action, you’ll have to wait until the next enrollment period to make changes.
MEDICAL BENEFITS: INDEPENDENCE BLUE CROSS
Towne Park offers the following medical plan options administered by Independence Blue Cross. Each medical plan includes prescription drug benefits through Express Scripts, outlined on the following page. To locate participating providers, visit www.myibxtpabenefits.com.
PRESCRIPTION BENEFITS: EXPRESS SCRIPTS
If you enroll in one of the Independence Blue Cross medical plans, you’re automatically enrolled in the corresponding prescription coverage, outlined below.
GoodRx Savings Program
Stop paying too much for your prescriptions!
GoodRx is a prescription drug price comparison tool which allows you to simply and easily search for retail pharmacies that offer the lowest price for specific medications.
The cost for the same medications — even when using a network retail pharmacy — varies drastically from one drug store to the next. You can find the lowest price on prescriptions right from your phone or tablet. Download the GoodRx mobile app today for:
• Instant access to the lowest prices for prescription drugs at more than 75,000 pharmacies
• Coupons and savings tips that can cut your prescription costs by 50% or more
• Side effects, pharmacy hours and locations, pill images, and much more!
Learn more and start saving on your prescriptions today at connerstrong.goodrx.com.
CLAIM EXAMPLES: PPO VS. HSA
NOTE: HSA funding is prorated based on associate hire date.
Example 1: Associate with single coverage and a few healthcare services
NOTE: HSA funding is prorated based on associate hire date.
Example 3: Associate with family coverage and moderate healthcare services
DENTAL BENEFITS: DELTA DENTAL
You have the option to enroll in one of the dental plan options, outlined below and administered by Delta Dental.
To locate participating providers, log in at www.deltadentalins.com
(Individual/Family)
Preventive & Diagnostic Services
• Exams, cleanings, bitewing X-Rays, flouride treatments, sealants, space maintainers
Basic Services
• Restorations, emergency treatment, general services, simple extractions, oral surgery, periodontics, endodontics
Major Services
• Inlays, onlays, crowns, dentures & removable prosthetics, bridges, implants
SEMI-MONTHLY DENTAL CONTRIBUTIONS
•
VISION BENEFITS: UNITED HEALTHCARE (UHC)
HEALTH SAVINGS ACCOUNT (HSA): WEX
HSA Overview
If you participate in a qualified High Deductible Health Plan (HDHP) you may be eligible to participate in a Health Savings Account (HSA). An HSA is a great way to save money by allowing you to set aside pre-tax dollars, via payroll deductions, to efficiently pay for qualified healthcare, dental and vision expenses. The funds in your HSA never expire; you may utilize the money you accumulate in your account for future healthcare expenses, even if you change jobs or retire.
HSA Eligibility
In order to qualify for an HSA, you must be an adult who meets the following qualifications:
• You have coverage under an HSA-qualified, high deductible health plan (HDHP)
• You (or your spouse, if applicable) have no other health coverage (excluding other types of insurance, such as dental, vision, disability or long-term care coverage)
• Are not enrolled in Medicare
• You cannot be claimed as a dependent on someone else’s tax return
For more details on eligibility requirements, visit www.irs.gov/publications/p969 #en_US_2019_publink1000204025.
HSA Contributions
The maximum amount that can be contributed to the HSA in a tax year is established by the IRS and is dependent on whether you have individual or family coverage in the HDHP plan.
For 2025, the contribution limits are:
• $4,300 for individual coverage
• $8,550 for family coverage
• The annual catch-up contribution for age 55 and older is $1,000.
Towne Park’s Contributions
Towne Park contributes to your account annually. You must elect at least a $5 per paycheck contribution ($120 annually) to receive the company’s semi-monthly HSA subsidy.
Contributions are pro-rated for non-full year plan enrollment, and are as follows:
• Up to $200 annually for HDHP 2000 plan
• Up to $350 annually for HDHP 3500 plan
Please note: The IRS does not allow enrollment in both a Health Savings Account (HSA) and a Healthcare Flexible Spending Account (FSA).
FLEXIBLE SPENDING ACCOUNTS (FSA): WEX
Flexible spending accounts, or FSAs, provide you with an important tax advantage that can help you pay health care and dependent care expenses on a pre-tax basis. By anticipating your family’s health care and dependent care costs for the next plan year, you can lower your taxable income.
Healthcare FSA
The Healthcare FSA allows you to set aside pre-tax dollars via payroll deductions to pay for qualified healthcare expenses for you and your dependents. For 2025, the annual maximum amount you may contribute is $3,300 per calendar year.
The Healthcare FSA can be used for:
• Doctor office copays
• Non-cosmetic dental procedures (crowns, dentures, orthodontics)
• Prescription contact lenses, glasses and sunglasses
• LASIK eye surgery
CARES Act and Qualifying Medical Expenses
Under the CARES Act, the definition of a qualifying medical expense now includes certain over-the-counter medications and products. Specifically, the act treats additional over-thecounter medications, along with menstrual care products, as qualified medical expenses that may be paid for using FSAs or other tax-advantaged accounts.
Dependent Care FSA (DCFSA)
The Dependent Care FSA lets you use pre-tax dollars toward qualified dependent care expenses. The annual maximum amount you may contribute is $5,000 (or $2,500 if married and filing separately) per calendar year.
The Dependent Care FSA can be used for:
• The cost of child or adult dependent care
• The cost for an individual to provide care either in or out of your house
• Nursery schools and preschools (excluding kindergarten)
Limited Purpose FSA
If you are enrolling in the High Deductible Health Plan (HDHP) and elect the HSA, the IRS rules prohibit you from participating in the Healthcare FSA. However, you may elect up to $3,300 in a Limited Purpose FSA, which can be used for dental and vision expenses only.
Use-It-or-Lose-It
Flexible Spending Accounts operate under an annual use-it-or-lose-it rule, meaning that accumulated funds not used by the end of the plan year may be forfeited if not used within a pre-determined grace period, per IRS regulations.
FSA Grace Period
TownePark’s Healthcare FSA includes a 3-month grace period (through March 31, 2026). The FSA Grace Period is an extended period of coverage at the end of every plan year that allows you extra time to incur and submit expenses to use your remaining Flexible Spending Account balance after the close of the plan year on December 31, 2025.
Basic Life Insurance
Life and Accidental Death & Dismemberment (AD&D) insurance provides protection to those who depend on you financially, in the event of your death or an accident that results in death or serious injury.
Towne Park provides full-time associates with group life and accidental death and dismemberment (AD&D) insurance according to the chart below. Towne Park pays for the full cost of this benefit.
Short-Term Disability
Short-Term Disability (STD) is a type of disability insurance coverage that can help you remain financially stable should you become injured or ill and cannot work. Towne Park provides short-term disability coverage to associates according to the chart below.
Long-Term Disability
Long-Term Disability (LTD) insurance protects workers in the event they become disabled for a prolonged period prior to retirement. LTD policies are often offered through employers as part of a standard benefits package.
Towne Park LTD provides you with income continuation in the event your illness or injury lasts beyond 90 days. This helps ensure you have a continued income if you are unable to work due to a covered sickness or injury.
SUPPLEMENTAL LIFE AND AD&D INSURANCE: GUARDIAN
While Towne Park offers basic life insurance, some associates may be interested in additional coverage based off their personal circumstances. Are you the sole provider for your household? What other expenses do you expect in the future (for example, college tuition for your child)? Depending on your needs, you may want to consider buying supplemental coverage.
Supplemental Life Benefit
Supplemental AD&D
Benefit-eligible Associates can purchase Supplemental AD&D coverage for yourself in increments of up to 10x times your annual salary up to a maximum amount of $1,000,000.
Supplemental Life
You can purchase coverage for yourself in increments of 1, 2, 3, 4, or 5 times your annual salary up to a maximum amount of $500,000. You will be required to submit Evidence of Insurability (EOI) if enrolling after you were first eligible or if increasing your election amount. EOI is required for any amount elected over $150,000 after the initial election.
Supplemental Life for Your Spouse
If you purchase Supplemental Life Insurance for yourself, you may purchase Spousal Life Insurance in increments of $25,000 to a maximum of $50,000. The amount you elect for your spouse may be up to half of the amount you elect for yourself. The guaranteed issue amount of coverage for your initial enrollment is $50,000.
EOI is required for any amount elected over $50,000 after the initial election.
EXAMPLE: An associate’s annual salary is $50,000 and the Associate elects Supplemental Life Insurance for themselves at 3 times their salary, which is $150,000. The Associate can elect to cover their spouse for half of that amount, which is $75,000 but EOI is required and must be approved before coverage becomes effective.
Supplemental Life for Your Child(ren)
If you purchase Supplemental Life Insurance for yourself, you may purchase life insurance for your children of $5,000 or $10,000. This benefit covers all of your children up to age 26, regardless of full-time student status, at one rate.
Evidence of Insurability (EOI)
Evidence of insurability may be required if:
• You are buying an insurance amount higher than the guaranteed issue amount for your plan.
• You declined coverage when first eligible and wish to purchase additional coverage at open enrollment or after experiencing a qualifying life event.
TELEMEDICINE & ADVOCACY: :DP HEALTHNOW
:DP HealthNow offers convenient and affordable medical care 24/7/365. For just $5.00 per pay period ($2.50 per week), you can access these helpful services:
• Teladoc: Skip the crowded ER or Urgent Care clinic, and the high costs! Save time and money with 24/7 access to a licensed doctor by phone or video chat with no consult fee.
• Doctors Online: Get unlimited access to a network of board certified physicians, psychologists, pharmacists, dentists, dieticians and fitness experts who can answer any of your health-related questions, all online.
• Nurseline™: Highly trained Registered Nurses are on call to answer your health questions, day or night.
• Health Advocacy: Call your Personal Health Advocate for help with medical concerns, such as billing issues and insurance claims, treatment and medication options, even finding a medical provider or hospital.
• Medical Bill Saver™: This program can lower your outof-pocket costs on your medical bills not covered by your insurance. We will work with your providers to lower the balance on any uncovered medical or dental bill over $400 - Just send us your bill!
• MyEWellness: An online health and wellness resource designed to help make wellness a part of your daily life. Whether you are looking to lose weight, get stronger or simply feel better, MyEWellness offers the tools you need. You’ll enjoy personal workouts, health tips, thousands of articles and more.
About :DP HealthNow Telemedicine
:DP HealthNow connects you with board-certified doctors who live and work in the U.S. and are licensed to practice in your state. Consultations are free for plan members.
Consider using :DP HealthNow if you:
• Are considering the emergency room or urgent care clinic for a non-emergency issue
• Are on vacation, on a business trip, or away from home
• Need a short-term prescription refill
:DP HealthNow doctors can treat many medical conditions, including:
• Cold and flu symptoms
• Allergies
• Urinary tract infections
• Respiratory infections
Getting Started
To learn more, visit www.dphealthnow.com or call 1-800-800-7616
Note: :DP HealthNow is not available to VT or WA residents.
VOLUNTARY SUPPLEMENTAL HEALTH BENEFITS: VOYA
Accident Insurance
Accidents happen and they can affect more than just your physical health. With Accident Insurance, you get a benefit to help pay for costs associated with a covered accident or injury. You may utilize the payments as you best see fit.
Accident Insurance covers:
• Initial & emergency care
• Hospitalization
Hospital Indemnity
• Fractures & Dislocation
• Follow-up care
A hospital stay can happen at any time, and it can be costly. Hospital Indemnity insurance helps you and your loved ones have additional financial protection.
With hospital indemnity insurance, a benefit is paid directly to the covered person, unless otherwise assigned, after a covered hospitalization resulting from a covered injury or illness.
It can be used for expenses, such as:
• Copays
• Deductibles
• Coinsurance
• Unexpected costs
Critical Illness
We know that everyone has different needs when coping with a critical illness. With Critical Illness insurance, you get a benefit paid directly to the covered person, unless otherwise assigned, if they are diagnosed with a covered critical illness, such as cancer, heart attack, or stroke.
This plan can help ease some of your financial worries so you can stay focused on your health. You choose how to spend or save your benefit.
It can be used for expenses, such as:
• Paying for child care or help around the house
• Travel costs to see a specialist
• Medical treatment and doctor visits
• Copays and deductibles
• Prescription drug costs
• Child care
• Follow-up services
• Help for the home
EMPLOYEE ASSISTANCE PROGRAM (EAP):
ESI GROUP
There are times when you cannot go it alone. With The EAP you don’t have to.
Sometimes we experience difficulties that cannot be resolved without the assistance of a trained professional. Unresolved issues with substance abuse, stress, anxiety, home life, and work life can affect or undermine our quality of living.
How the EAP Works
The EAP provides eligible associates and their families assistance with behavioral healthcare services that can help begin the process of resolving emotional or substance abuse issues.
You and the members of your household are entitled to six (6) face-to-face or telephonic meetings per year. The encounter with the counselor through the EAP is completely confidential.
Services Offered by ESI
• Counseling Benefits: Help with personal issues from relationships to stress and substance abuse.
• Work/life Benefits: Assistance for other personal, financial and legal issues.
• Self-help Resource Benefits: Access a vast collection of self-help tools and articles.
• Peak Performance Coaching: One-to-one telephonic personal & professional coaching.
• Lifestyle Savings Benefits: Get negotiated discounts and deals for wellness, shopping, travel & more.
• Personal Development & Training Benefits: An extensive library of eLearning opportunities to grow in your personal and professional life.
• Wellness Benefits: Coaching, information, and resources to improve your overall wellness.
What can the EAP help with?
The EAP can help you through uncertain times, by acting as your advocate whenever you or your dependents need treatment of the following:
• Emotional Difficulties/ Depression
• Family/Relationship Problems
• Stress/Anxiety Issues
• Grief and Loss Issues
• Alcohol/Drug Abuse or Addiction
• Anger/Rage Issues
• Eating Disorders
• Life Transition Problems
• Gambling Problems
• Other Behavioral Addictions
Getting Started
Contact the EAP 24/7 by calling 800-252-4555. You can also visit the EAP online at www.theeap.com and utilize the training video platform.
LEGAL & ID THEFT BENEFITS: METLIFE / ALLSTATE
Legal Assistance Plan
MetLife
The MetLife® Legal Assistance Plan offers you economical access to attorneys for common legal services, such as will preparation, estate planning, family law, and more. You, your spouse, and dependents will have access to a nationwide network of 13,500 experienced attorneys.
Additional plan features include:
• The flexibility to use a non-plan attorney and get reimbursed for covered services according to a set fee schedule.
• Client service representatives can help you locate a plan attorney in your area.
• Convenient online access to resources to assist with court appearances, document review and preparation, or real estate matters.
Identity Theft Protection
Allstate Identity Protection
Identity theft protection services from Allstate Identity Protection help assess your risk, deter theft attempts, detect fraud, and manage the restoration process in the event of an identity theft. Your identity will be monitored to uncover fraud at its inception. You will be offered an annual credit report, monthly credit scores, and monitoring of your TransUnion credit file.
• The Allstate Identity Protection plan offers privacy advocates that are certified and trained in identity restoration. If they detect suspicious activity, a privacy advocate can act as a dedicated case manager on your behalf and resolve the issue.
• The Protection Pro+ plan includes all of the features provided under Protection Pro as well as: unlimited credit scores and reports from TransUnion, annual tri-bureau credit score and report, 401(k), HSA, and stolen fund reimbursement, and other services.
401(K) RETIREMENT PLAN:
FIDELITY
Towne Park 401(k) Retirement Savings Plan gives you an easy way to save for your future through payroll deductions.
Eligibility
You are eligible to participate in the plan after the age of 21 and 90 days of employment with Towne Park.
Your contributions
Contributions from your pay are made on a pretax basis up to the IRS annual limit of $23,500 for 2025. If you are 50 years of age or older, (or if you will reach age 50 by the end of the year), you may make an additional catch-up contribution in addition to the normal IRS annual limit of $7,500 for 2025.
Changes to your 401(k) plan can be made at any time. Making changes during the OE window is not required.
Employer match
You are eligible to receive an employer match after 1 year of service and 1,000 hours worked in that year. The employer match is discretionary. The employer match is 1/2 of a percent up to the first four percent contributed by an associate.
Vesting
Vesting is the amount of time you must work at Towne Park to own the employer matching contributions. Your contributions and any earnings on them are always 100% vested.
Towne Park’s matching contributions become vested over a 3-year period as shown in the chart.
For more information
For additional details about the 401(k)
or to enroll or change your contribution rates or investment elections, please refer to www.401k.com or call 1-800-835-5097
DISCOUNT PROGRAMS & VALUE-ADDED SERVICES
BenefitHub Discount Program
An endless list of places to save! Save on things like NBA Tickets. AMC theaters Nike, HP and so much more. Slash prices by using your exclusive discount marketplace its like your secret weapon for spending less and enjoying more.
To get started:
• Go to townepark.benefithub.com
• Enter code 5PXEVY
• Sign up and start saving!
HUSK Wellness
Save money and achieve your fitness goals with Husk Wellness! HUSK Marketplace members can access exclusive gym savings and flexible membership options to a variety of facilities. From national chains to specialty studios, HUSK has something for every workout.
To get started:
Call 800-294-1500 or visit marketplace.huskwellness.com/ connerstrong.
HealthyLearn
This resource covers over a thousand health and wellness topics in a simple, straightforward manner. The HealthyLearn On-Demand Library features all the health information you need to be well and stay well.
To get started:
Learn more at healthylearn.com/connerstrong
BENE FITS MEMBER ADVOCACY CENTER (BENEFITS MAC):
CONNER STRONG & BUCKELEW
Don’t get lost in a sea of benefits confusion! With just one call or click, the Benefits MAC can help guide the way!
The Benefits Member Advocacy Center (“Benefits MAC”), provided by Conner Strong & Buckelew, can help you and your covered family members navigate your benefits.
Contact the Benefits MAC to:
• Find answers to your benefits questions
• Search for participating network providers
• Clarify information received from a provide or your insurance company, such as a bill, claim, or explanation of benefits (EOB)
• Guide you through the enrollment process or how you can add or delete coverage for a dependent
• Rescue you from a benefits problem you’ve been working on
• Discover all that your benefits have to offer!
You can contact Benefits MAC in any of the following ways:
• Via phone: 800-563-9929, Monday through Friday, 8:30 am to 5:00 pm
• Via the web: www.connerstrong.com/ memberadvocacy
• Via e-mail: cssteam@connerstrong.com
• Via fax: 856-685-2253
Member Advocates are available Monday through Friday, 8:30 am to 5:00 pm (Eastern Time). After hours, you will be able to leave a message with a live representative and receive a response by phone or email during business hours within 24 to 48 hours of your inquiry.
CARRIER CONTACTS: YOUR BENEFIT RESOURCES
LEGAL NOTICES
Notice Regarding Special Enrollment
Loss of other coverage (excluding Medicaid or a State Children’s Health Insurance Program). If you decline enrollment for yourself or for an eligible dependent (including your spouse) while other health insurance or group health plan coverage (including COBRA coverage) is in effect, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the Company stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days or any longer period that applies under the plan after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage). If you request a change within the applicable timeframe, coverage will be effective the first of the month following your request for enrollment. When the loss of other coverage is COBRA coverage, then the entire COBRA period must be exhausted in order for the individual to have another special enrollment right under the Plan. Generally, exhaustion means that COBRA coverage ends for a reason other than the failure to pay COBRA premiums or for cause (that is, submission of a fraudulent claim). This means that the entire 18-, 29-, or 36-month COBRA period usually must be completed in order to trigger a special enrollment for loss of other coverage.
Loss of eligibility for Medicaid or a State Children’s Health Insurance Program. If you decline enrollment for yourself or for an eligible dependent (including your spouse) while Medicaid coverage or coverage under a state children’s health insurance program (CHIP) is in effect, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage. However, you must request enrollment within 60 days after your or your dependents’ coverage ends under Medicaid or CHIP. If you request a change within the applicable timeframe, coverage will be effective the first of the month following your request for enrollment.
New dependent by marriage, birth, adoption, or placement for adoption. If you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your new dependents. However, you must request enrollment within 30 days or any longer period that applies under the plan after the marriage, birth, adoption, or placement for adoption. If you request a change within the applicable timeframe, coverage will be effective the date of birth, adoption or placement for adoption. For a new dependent as a result of marriage, coverage will be effective the first of the month following your request for enrollment.
Eligibility for Medicaid or a State Children’s Health Insurance Program. If you or your dependents (including your spouse) become eligible for a state premium assistance subsidy from Medicaid or through a state children’s health insurance program (CHIP) with respect to coverage under this plan, you may be able to enroll yourself and your dependents in this plan. However, you must request enrollment within 60 days after your or your dependents’ determination of eligibility for such assistance. If you request a change within the applicable
timeframe, coverage will be effective the first of the month following your request for enrollment.
To request special enrollment or obtain more information, contact Total Rewards Team, 450 Plymouth Rd, Ste 300, Plymouth Meeting, PA 19462, (844) 869-6375, HRSupport@ TownePark.com
Women’s Health and Cancer Rights Act Notice
If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for:
• all stages of reconstruction of the breast on which the mastectomy was performed;
• surgery and reconstruction of the other breast to produce a symmetrical appearance;
• prostheses; and
• treatment of physical complications of the mastectomy, including lymphedema.
These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Therefore, the following deductibles and coinsurance apply:
• $750 Deductible Plan: $750 deductible (in-network) and 10% coinsurance (in network) and $3,000 deductible (out-of-network) and 40% coinsurance (out-of-network).
• $2,000 Deductible Plan: $2,000 deductible (innetwork) and 15% coinsurance (in-network) and $4,000 deductible (out-of-network) and 40% coinsurance (out-ofnetwork).
• $3,500 Deductible Plan: $3,500 deductible (innetwork) and 30% coinsurance (in-network) and $7,000 deductible (out-of-network) and 50% coinsurance (out-ofnetwork).
If you would like more information on WHCRA benefits, call your Plan Administrator 844 869-6375.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www. insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2024. Contact your State for more information on eligibility –
ALABAMA – Medicaid
Website: http://myalhipp.com/ Phone: 1-855-692-5447
ALASKA – Medicaid
The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861
Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/ default.aspx
ARKANSAS – Medicaid
Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)
CALIFORNIA - MEDICAID
Health Insurance Premium Payment (HIPP) Program http://dhcs.ca.gov/hipp Phone: 916-445-8322
Fax: 916-440-5676
Email: hipp@dhcs.ca.gov
COLORADO - Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+)
Health First Colorado Website: https://www.healthfirstcolorado. com/
Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711
CHP+: https://hcpf.colorado.gov/child-health-plan-plus
CHP+ Customer Service: 1-800-359-1991/State Relay 711
Health Insurance Buy-In Program (HIBI): https://www.
LEGAL NOTICES
mycohibi.com/ HIBI Customer Service: 1-855-692-6442
FLORIDA – Medicaid
Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268
GEORGIA – Medicaid
GA HIPP Website: https://medicaid.georgia.gov/healthinsurance-premium-payment-program-hipp Phone: 678-564-1162, Press 1
GA CHIPRA Website: https://medicaid.georgia.gov/programs/ third-party-liability/childrens-health-insurance-programreauthorization-act-2009-chipra Phone: 678-564-1162, Press 2
INDIANA – Medicaid
Health Insurance Premium Payment Program
All other Medicaid Website: https://www.in.gov/medicaid/ http://www.in.gov/fss/dfr/ Family and Social Services Administration Phone: 1-800-403-0864
Member Services Phone: 1-800-457-4584
IOWA – Medicaid and CHIP (Hawki)
Medicaid Website: https://dhs.iowa.gov/ime/members Medicaid Phone: 1-800-338-8366
Hawki Website: http://dhs.iowa.gov/Hawki Hawki Phone: 1-800-257-8563
HIPP Website: https://dhs.iowa.gov/ime/members/medicaida-to-z/hipp
HIPP Phone: 1-888-346-9562
KANSAS – Medicaid
Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884
HIPP Phone: 1-800-967-4660
KENTUCKY – Medicaid
Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/ member/Pages/kihipp.aspx
Phone: 1-855-459-6328
Email: KIHIPP.PROGRAM@ky.gov
KCHIP Website: https://kynect.ky.gov Phone: 1-877-524-4718
Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms
LOUISIANA – Medicaid
Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP)
MAINE – Medicaid
Enrollment Website: www.mymaineconnection.gob/benefits/ s/?language=en_US
Phone: 1-800-442-6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage:
https://www.maine.gov/dhhs/ofi/applications-forms Phone: 800-977-6740 TTY: Maine relay 711
MASSACHUSETTS – Medicaid and CHIP
Website: https://www.mass.gov/masshealth/pa Phone: 1-800-862-4840 TTY: 711
Email: masspremassistance@accenture.com
MINNESOTA – Medicaid
Website: https://mn.gov/dhs/health-care-coverage/ Phone: 1-800-657-3672
MISSOURI – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/pages/ hipp.htm
Phone: 1-573-751-2005
MONTANA – Medicaid
Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/ HIPP
Phone: 1-800-694-3084
Email: HHSHIPPProgram@mt.gov
NEBRASKA – Medicaid
Website: http://www.ACCESSNebraska.ne.gov
Phone: 855-632-7633
Lincoln: 402-473-7000
Omaha: 402-495-1178
NEVADA – Medicaid
Medicaid Website: http://dhcfp.nv.gov
Medicaid Phone: 1-800-992-0900
NEW HAMPSHIRE – Medicaid
Website: https://www.dhhs.nh.gov/programs-services/ medicaid/health-insurance-premium-program Phone: 603-271-5218
Toll free number for the HIPP program: 1-800-852-3345, ext 15218
Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov
NEW JERSEY – Medicaid and CHIP
Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Phone: 800-356-1561
CHIP Premium Assistance Phone: 609-631-2392
CHIP Website: http://www.njfamilycare.org/index.html
CHIP Phone: 1-800-701-0710 (TTY: 711)
NEW YORK – Medicaid
Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831
NORTH CAROLINA – Medicaid
Website: https://medicaid.ncdhhs.gov/ Phone: 919-855-4100
NORTH DAKOTA – Medicaid
Website: https://www.hhs.nd.gov/healthcare
Phone: 1-844-854-4825
OKLAHOMA – Medicaid and CHIP
Website: http://www.insureoklahoma.org Phone: 1-888-365-3742
OREGON – Medicaid and CHIP
Website: http://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075
PENNSYLVANIA – Medicaid and CHIP
Website: https://www.pa.gov/en/services/dhs/apply-formedicaid-health-insurance-premium-payment-program-hipp. html
Phone: 1-800-692-7462
CHIP Website: https://www.pa.gov/en/agencies/dhs/resources/ chip.html
CHIP Phone: 1-800-986-KIDS (5437)
RHODE ISLAND – Medicaid and CHIP Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line)
SOUTH CAROLINA - Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820
SOUTH DAKOTA - Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059
TEXAS - Medicaid
Website: https://www.hhs.texas.gov/services/financial/healthinsurance-premium-payment-hipp-program Phone: 1-800-440-0493
UTAH – Medicaid and CHIP
Utah’s Premium Partnership for Health Insurance (UPP) Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov Phone: 1-888-222-2542
Adult Expansion Website: https://medicaid.utah.gov/ expansion/
Utah Medicaid Buyout Program Website: https://medicaid.utah. gov/buyout-program/
CHIP Website: https://chip.utah.gov/
VERMONT– Medicaid
Website: https://dvha.vermont.gov/members/medicaid/hippprogram
Phone: 1-800-562-3022
VIRGINIA – Medicaid and CHIP
Website: https://coverva.dmas.virginia.gov/learn/premiumassistance/famis-select
https://coverva.dmas.virginia.gov/learn/premium-assistance/ health-insurance-premium-payment-hipp-programs Phone: 1-800-432-5924
LEGAL NOTICES
WASHINGTON – Medicaid
Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022
WEST VIRGINIA – Medicaid and CHIP
Website: http://mywvhipp.com/ and https://dhhr.wv.gov/bms/ Medicaid Phone: 304-558-1700
CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)
WISCONSIN – Medicaid and CHIP
Website: https://www.dhs.wisconsin.gov/ badgercareplus/p-10095.htm
Phone: 1-800-362-3002
WYOMING – Medicaid
Website: https://health.wyo.gov/healthcarefin/medicaid/ programs-and-eligibility/ Phone: 800-251-1269
To see if any other states have added a premium assistance program since July 31, 2024, or for more information on special enrollment rights, contact either:
U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)
U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov
1-877-267-2323, Menu Option 4, Ext. 61565
Medicare Part D Creditable Coverage Notice
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Towne Park, LLC and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. Towne Park, LLC has determined that the prescription drug coverage offered by the Towne Park, LLC Comprehensive Health and Welfare Plan is, on average for all plan participants,
expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.
When Can You Join a Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.
However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.
What Happens to Your Current Coverage If You Decide to Join a Medicare Drug Plan?
If you decide to join a Medicare drug plan, your current Towne Park, LLC coverage will not be affected. Plan participants can keep their prescription drug coverage under the group health plan if they select Medicare Part D prescription drug coverage. If they select Medicare Part D prescription drug coverage, the group health plan prescription drug coverage will coordinate with the Medicare Part D prescription drug coverage.
If you do decide to join a Medicare drug plan and drop your current Towne Park, LLC coverage, be aware that you and your dependents will be able to get this coverage back.
When Will You Pay a Higher Premium (Penalty) to Join a Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with Towne Park, LLC and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.
For More Information About This Notice or Your Current Prescription Drug Coverage
For further information call the Benefits Department at (844) 869-6375. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Towne Park, LLC changes. You also may request a copy of this notice at any time.
For More Information About Your Options Under Medicare Prescription Drug Coverage
More detailed information about Medicare plans that offer
prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.
For more information about Medicare prescription drug coverage:
• Visit www.medicare.gov
• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778).
Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).
Name of Entity/Sender: Towne Park, LLC
Contact—Position/Office: Total Rewards Team, HR Support Center
Address: 450 Plymouth Rd Ste 300, Plymouth Meeting, PA 19462 Phone Number: (844) 869-6375
Genetic Information Nondiscrimination Act of 2008
The Genetic Information Nondiscrimination Act of 2008 (“GINA”) protects employees against discrimination based on their genetic information. Unless otherwise permitted, your Employer may not request or require any genetic information from you or your family members.
The Genetic Information Nondiscrimination Act of 2008 (GINA) prohibits employers and other entities covered by GINA Title II from requesting or requiring genetic information of an individual or family member of the individual, except as specifically allowed by this law. To comply with this law, we are asking that you not provide any genetic information when responding to this request for medical information. “Genetic information,” as defined by GINA, includes an individual’s family medical history, the results of an individual’s or family member’s genetic tests, the fact that an individual or an individual’s family member sought or received genetic services, and genetic information of a fetus carried by an individual or an individual’s family member or an embryo lawfully held by
LEGAL NOTICES
an individual or family member receiving assistive reproductive services.
Patient Protection Notice
The claims administrator for the Towne Park, LLC Comprehensive Health and Welfare Plan generally allows the designation of a primary care provider. You have the right to designate any primary care provider who participates in the claims administrator’s network and who is available to accept you or your family members. For information on how to select a primary care provider, and for a list of the participating primary care providers, contact the claims administrator at the number on the back of your ID card.
For children, you may designate a pediatrician as the primary care provider.
You do not need prior authorization from the claims administrator or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in the claims administrator’s network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, contact the claims administrator at the number on the back of your ID card.
This benefit summary provides selected highlights of the benefits program at Towne Park. It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment at the Towne Park. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any information provided through this summary and the actual terms of such policies, contracts and plan documents shall be governed by the terms of such policies, contracts and plan documents. Towne Park reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.