January 1, 2025 –December 31, 2025
ASSOCIATE BENEFITS GUIDE
WELCOME
To your 2025 benefits!
Here at Towne Park, you have access to a variety of benefits that promote health and financial security for you and your family. Please read this summary of your benefits carefully, so you can choose the coverage that’s right for you. You may want to share this information with family members as well.
After you read this information, you may contact HRSupport@townepark.com or (844)-TOWNE-PK with questions.
Benefits are effective the first of the month following your enrollment once eligible.
Who is Eligible to Enroll?
All elective and standard benefits listed are available to you on the first of the following month. There is no minimum hours or time required to participate in our part-time benefit offerings.
Your Enrollment Checklist:
• Read this guide for a benefits overview and helpful hints.
• Visit workday.townepark.com to learn more about your personal options and enroll in coverage.
See the following pages for more details on how to enroll in benefits.
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 can do so within your Workday profile within 30 days (60 days for birth/ adoption) of a Qualifying Life Event (QLE). 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.
ENROLLING IN BENEFITS
VIA WORKDAY
How to Enroll
Enrollment in benefits is completed through Workday. Logging into Workday
Log into workday.townepark.com and enter in your username and password. Your username will be your 7-digit associate ID number.
If you have forgotten your password, use the “forgot password?” link on the Workday sign in page; this will prompt you to answer a few security questions that will allow you to reset your password.
If you are still unable to log in, please contact Towne Park Support at 844-869-6375 and they will assist you with resetting your password.
Enrolling in your benefits
Once you’ve logged in, click on your Workday inbox, located in the top right corner of your home page, and follow these simple steps:
1. Open the Workday task titled “Benefit Change: Your Name.”
2. Review your benefit options
3. Select “Elect” next to any of the benefits you are interested in
4. Select your coverage level (Associate Only, Associate +One, etc.)
5. Add your dependents to your enrollment as needed
6. Review the summary of your enrollment selections. “Submit” your elections
If you’d like, you can print a copy of your enrollment confirmation for future reference.
Changing Your Benefit Selections
Once you have enrolled in your benefits, your choices will remain in effect through the calendar year, unless you experience a Qualifying Life Event (see explanation on the previous page).
TELEMEDICINE & ADVOCACY: :DP
: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
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.
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.