2026 Employee Benefits Guide
Welcome to APCO Holdings
Eligibility Information
Eligibility for Coverage
• Medical, Dental, and Vision Coverage: Available to employees working at least 30 hours per week.
• All other benefits: Offered to employees working 40 hours or more per week.
• Eligibility for Coverage: Benefits begin on the first day of the month following date of hire.
Dependent Coverage
You may also cover the following dependents:
• Legal Spouse
• Domestic Partner: Email Benefits@apcoholdings.com for verification form.
• Eligible Dependent Children:
Coverage ends at the end of the month in which the child turns 26 years old.
Disabled Children: Unmarried children who became disabled before age 26 and rely on you for support may remain eligible. Documentation is required for dependent eligibility. Please contact Human Resources if this applies to your family.
Important Notes
• Failure to Notify: If a dependent becomes ineligible, you must notify APCO within 30 days. Failure to do so may jeopardize COBRA continuation rights and could result in repayment of claims paid after eligibility ended.
• Supporting documents for dependent eligibility or Qualifying Life Event changes must be uploaded in the ADP portal or emailed to the HR team Benefits@apcoholdings.com
Spousal Surcharge
If your spouse has medical coverage available through their employer and you choose to enroll them in an APCO Holdings medical plan, a $75 per-pay spousal surcharge will apply.
Enrollment Information
When Can I Enroll?
You can select your benefits during the following times:
1. New Hire Enrollment (Date of hire):
• You must complete your enrollment within 31 days of hire through the ADP Workforce Now portal.
• If you do not enroll within this period, employees will automatically be enrolled in employer-paid benefits only, which include:
Basic Life and AD&D
Short-Term Disability
Long-Term Disability coverage
2. Annual Open Enrollment: This is your opportunity to review options, add or remove dependents, switch plans, or cancel coverage for the upcoming year.
Qualifying Life Event Status Change
Unless you have a qualified change in status, you cannot make changes to the benefits you elect until next Open Enrollment period. Qualified changes in status include:
• Marriage, Legal Separation or Divorce
• Birth or adoption of a child
• Change in employment status for you, your spouse, or your dependent child that results in a loss or gain of coverage
• Change in a dependent’s benefit eligibility
• Death Changes must be submitted within 31 days of the event, with supporting documentation uploaded in the ADP portal or emailed to the HR team.
How to Enroll
Enrollment is completed online through the ADP Workforce Now portal or mobile app:
1. New Users:
• You will receive a Personal Registration Code via email during your first week of employment.
• Use this code to set up access to the portal.
2. Returning Users:
• Log in with your existing User ID and password.
Once logged in, you will be directed to the enrollment page where you can make your benefit elections.
Medical Plan Offerings Overview UMR
For 2026, APCO Holdings is offering two medical plan options through UMR with access to the UHC network: a High Deductible Health Plan (HDHP) and a Preferred Provider Organization (PPO) Plan.
1. Non-Embedded: The entire family deductible must be met before plan pays any benefits. If you cover any dependents under the plan, the full family deductible must be met before the plan pays any benefits. However, once any individual meets the individual out-of-pocket maximum, the plan will begin to pay benefits and that individual has no further liability for the balance of the year. Other members of the family will continue to pay toward the family deductible and out-of-pocket maximum.
2. Embedded out-of-pocket maximum: Each covered family member only needs to satisfy his or her individual out-of-pocket maximum, not the entire family out-of-pocket maximum.
3. The PPO and HDHP plans allow you to see any provider, whether in-network or out-of-network. However, using out-of-network providers will result in higher costs.
Understanding Your Medical Plan Options UMR
APCO Holdings provides medical plans managed by United Medical Resources (UMR) and utilizes the United Healthcare (UHC) provider network. Understanding your medical plan options is essential for making informed choices for you and your family. Below is a summary of the medical plans available to APCO employees.
High-Deductible Health Plan (HDHP) and Preferred Provider Organization (PPO) Plans have many similarities:
• Both plans provide coverage for the same range of services.
• In-network preventative care is covered at 100%.
• Benefits are paid after you meet the deductible.
• After meeting the deductible, costs are shared through coinsurance.
• Both plans include an out-of-pocket maximum. Once this maximum is reached, the plan pays 100% of covered expenses for the remainder of the plan year.
• For both PPO and HDHP plans, you can see any provider you like, whether in-network or out-of-network. However, you will pay more for out-of-network providers.
High-Deductible Health Plan (HDHP)
It can be a great choice if:
• You want to pay less in your paycheck in exchange for a higher deductible.
• You want to pay for your qualified health care expenses and save taxes with an HSA.
HDHP and PPO plans differ in the following ways:
• The amount you pay for coverage varies between the two plans.
• The deductible required before the plan starts sharing the cost of services varies.
• Your annual out-of-pocket maximum is different for each plan.
• The HDHP allows you to open a Health Savings Account (HSA). This account can help you pay for eligible health expenses, save for future expenses, and reduce your taxes.
Preferred Provider Organization (PPO)
It can be a great choice if:
• You are willing to pay more in each paycheck in exchange for a lower deductible and plan with copays.
Pharmacy Benefits Express Scripts
Effective January 1, 2026, Express Scripts will be APCO Holdings Pharmacy Benefits Manager, providing members access to a broad network of retail, grocery, and neighborhood pharmacies.
Make Life Easier with: Prescription Home Delivery
Express Scripts home delivery simplifies the prescription process.
For new prescriptions, you have three options:
• Ask your doctor to send a 3-month supply of your prescription electronically to Express Scripts Pharmacy. (This is the fastest way to get your medication!)
• Log in to your Express Scripts account and click the “Request an Rx” button on the right side of the home page.
• Dial the number on the back of your ID card, and we’ll contact your doctor for you.
For current prescriptions:
After you register or log in to your account, you may see existing prescriptions in “My Medications” that are eligible for home delivery.
If you have refills available, simply click to add them to your cart and place your order. We’ll contact your doctor and take care of the rest. We suggest letting them know we’ll be reaching out, so they’re prepared with your information.
Member Portal/ Registration
Members can log in at www.express-scripts.com or use the Express Scripts mobile app to:
• Refill, renew, or transfer prescriptions
• Locate in-network pharmacies
• View and track claims
A dedicated support team is available 24/7 to assist with pharmacy needs.
Garner
Garner is a free healthcare benefit that helps you find the best medical providers, then reimburses you for qualifying out-of-pocket medical costs. Garner will automatically reimburse members for out-of-pocket medical costs!
Get access to the top 20% of doctors! You’ll get reimbursed for your out-of-pocket medical costs when you see them.
These Top Providers are automatically added to your list of approved providers as soon as they are visible on your screen. Once Top Providers are on your list of approved providers, you can get reimbursed for qualifying* out-of-pocket costs.
How do I use Garner?
1. Sign up for an account
Once you've created an account. You'll be able to access detailed information about your benefit and coverage through the app
2. Find Top Providers
Search for doctors in your area based on your symptoms, their name, or the type of care you need
3. Get Reminded
Receive reimbursement for qualifying medical costs provided by a Top Provider who has been added to your account before your appointment
Top Providers have shown to:
• Practice based on the latest medical research
• Successfully diagnosed problems
• Get the highest patient satisfaction ratings
• Produce the best patient outcomes
Your out-of-pocket medical costs will qualify for reimbursement if:
• You have created a Garner account and added the provider to your list of approved providers prior to the date of service.
• Your provider is in-network, and the cost was covered by your health insurance plan. (Check your health insurance plan.)
• Emergency services will be covered along with Prescription Drugs that are prescribed from a Garner participating provider.
Questions?
Message the Concierge through the Garner Health mobile app, online at getgarner.com or email concierge@getgarner.com
Recommendations are based solely on independent analysis, not commissions or fees. Garner has no financial relationships with doctors.
Scan the QR code with your mobile phone to get started!
Or visit Garner.Guide/Start to sign up for an account. When creating your account, make sure to use your full legal name.
Health Savings Account (HSA)
WEX
A Health Savings Account (HSA) is a personal savings account that allows you to set aside pre-tax dollars to pay for qualified healthcare expenses. To participate, you must be enrolled in APCO Holdings’ Core HSA Plan.
Who Can Participate?
To be eligible to open and contribute to an HSA under IRS guidelines, you must:
• Must be 18 years of age or older.
• Be covered under a qualified HDHP.
• Not be covered under any non-HDHP medical plan.
• Not be enrolled in Medicare.
• Not contributing to a general medical Flexible Spending Account (FSA).
• Not be claimed as a dependent on someone else’s tax return.
Contribution Limits (IRS for 2026)
• Employee Only: $4,400 per year
• Employee + Dependent(s): $8,750 per year
• Catch-Up Contribution: Employees aged 55+ may contribute an additional $1,000 annually.
• Employer contributions are made quarterly, while employee contributions are deducted each paycheck
End-of-Year Savings
Your HSA balance, including contributions, interest, and earnings, rolls over year to year—there’s no “use it or lose it.” Funds are always yours to keep, and your balance can grow over time.
• At age 65, you may use your HSA funds without penalty for non-medical expenses (ordinary income tax applies if not used for qualified healthcare).
Flexible Spending Accounts (FSA)
APCO Holdings offers the opportunity to pay for out-of-pocket medical, dental, vision, and dependent care expenses with pre-tax dollars through Flexible Spending Accounts (FSA). The FSA plan year runs from January 1, 2026 to December 31, 2026.
Healthcare FSA
The Healthcare FSA reimburses out-of-pocket medical expenses incurred by you and your dependents.
• Contribution Limit: $3,400
• Rollover: You can carry over up to $680 from your 2026 balance into the next benefit year
• Eligible Expenses Include:
Doctor office copays
Non-cosmetic dental procedures (crowns, dentures, orthodontics)
Prescription contacts lenses, glasses, and sunglasses
LASIK eye surgery
Menstrual care products
Adult/eldercare for adult dependents
Limited Purpose FSA
A Limited Purpose FSA is designed for individuals with a HighDeductible Health Plan (HDHP) and a Health Savings Account (HSA). This account covers dental and vision expenses only, allowing participants to maximize HSA contributions while enjoying tax savings on eligible out-of-pocket costs.
Dependent Care FSA
The Dependent Care FSA reimburses expenses related to the care of eligible dependents. Medical expenses are not covered under this account.
• Contribution Limits:
$7,500 if you are a single employee or married filing jointly.
$3,750 if you are married filing separately.
• Eligible Expenses Include:
Au pair services
After-school programs
Babysitting/dependent care that allows you to work
Day camps and preschool
What happens to the funds at the end of the year?
If you have money left in your Limited Purpose FSA on December 31, you can rollover up to $680 to the following plan year.
Wellness Program Health Design
At APCO Holdings, your health is our priority! That’s why we’ve teamed up with Health Designs to bring you the Wellness Platform—a fun and supportive way to embrace a healthier lifestyle, manage chronic conditions, and save on medical expenses. Best of all, it’s available to ALL employees. Take the first step toward a healthier, happier you today!
Program Dates
January 6 – November 30, 2026
Benefits & Incentives
• PPO Plan Members: Earn $50 in AwardCo funds after completing the Health Assessment and uploading verification of completion of 1 preventive exam in 2026.
• High-Deductible Medical Plan: Employees enrolled will be rewarded with an HSA contribution of up to $500 for participating in activities and earning points throughout 2026. Be on the lookout throughout the year on ways to participate!
Wellness Program Features
• Free Access to a Wellness Coach
• Educational materials on health and wellness
• Virtual challenges throughout the year
• Voluntary, confidential, and flexible participation
Getting Started
1. Login to https://apco.medikeeper.com and complete your Health Assessment
2. Complete your annual wellness screening (via Primary Care Physician or local lab.)
Tests required: Total Cholesterol, Glucose, Blood Pressure, Body Mass Index (BMI)
Forms with instructions are available in the ADP WorkForce Now Employee Self-Service Portal (ESS) or the Documents Tile of your Wellness Platform.
3. Explore the Wellness Platform for lots of fun and exciting ways to participate throughout the year.
Mobile Access
• First, register online at apco.medikeeper.com
• Download the Alaveda app (App Store/Google Play)
• Log in with your registered username and password to earn points on the go!
Contact Information
Health Designs Coaching:
• Email: wellness@healthdesigns.net
• Phone Number: 904-285-2019
• Website: www.healthdesigns.net
Dental Benefits Unum
APCO Holdings provides two dental plan options through Unum, offering flexibility to choose between in-network and out-of-network dentists. Opting for in-network providers ensures built-in cost savings, while selecting out-of-network dentists offers greater flexibility but may result in higher costs beyond the plan’s limits.
Oral Health Programs – Carry Over Benefit
• 24/7 access to “virtual dentists”
• Manage benefits, get an ID card, and more.
Vision Benefits EyeMed
Vision coverage is available through EyeMed, making it easy and affordable to care for your eyes. With low-cost exams, savings on eye wear, convenient online tools and a mobile app to find providers, taking care of your vision has never been simpler.
Frequency (Exam/Lenses/Frames)
AN EYE ON YOUR
Exam - Once Every 12 Months. Plan allows members to receive Exam Only Services with discounts on materials. Frame, lens, and lens options must be purchased in the same transaction to receive full discount. 12/12/24 Months
HEALTH: PROTECTION (You can guard your eyes for as little as $15!)
Guarding against blue light
• Blue Light Basics: Cell phones, tablets, laptops, and TVs illuminate our world. But with these digital devices comes exposure to blue light, the part of the light spectrum visible to the human eye. Some reports suggest overexposure may cause blurry vision, difficulty focusing, dry and irritated eyes, headaches, and even macular degeneration.
• Guard Your Eyesight: Blue light isn’t all bad, but it may lead to new vision needs — such as blue light-filtering lenses or anti-reflective coatings. These special lens treatments provide protection from UV rays and high-energy blue light. EyeMed members now have multiple options for purchasing eyewear with blue light-filtering technology.
Consult your eye doctor to find the best solution for your lifestyle and vision needs. To locate an in-network provider, go to www.eyemed.com, click on Find an eye doctor at the top right of the page, and search by location or doctor. Make sure to choose Insight as your network.
Employee Contributions Per Pay Period
Telemedicine
Teladoc
No waiting rooms, no long drives, no hassle—just quality care anytime you need it!
Your health and well-being come first, and Teladoc is here to make getting care simple, convenient, and affordable. With Teladoc, you and your family have 24/7 access to U.S. board-certified physicians—anytime, anywhere—whether through your phone, computer, or the Teladoc app.
From common illnesses like sinus infections to skin conditions or mental health support, Teladoc doctors are ready to provide trusted advice, diagnoses, and even prescriptions when needed. It’s a faster, more cost-effective alternative to urgent care or the ER—helping you get the care you need, right when you need it.
Cost of Services
• Traditional PPO Plan: $0 copay per visit
• Core HSA Plan: Effective January 1, 2026 (No Deductible, 100% Coverage)
Accessing Care
Employees must be enrolled in the medical plan to use Teladoc. (Services are not available internationally.)
• Call 800.835.2362
• Visit www.Teladoc.com
• Or use the Teladoc mobile app.
Employee Assistance Program (EAP) Unum
Support When You Need It Most
Life can be unpredictable, but your Employee Assistance Program (EAP) through Unum is here to help you navigate the twists and turns. Whether you're managing work challenges, family responsibilities, or personal hurdles, the EAP offers confidential support to help you stay on track—anytime, anywhere.
What Makes the EAP Stand Out?
• 3 Free Visits with a Licensed Professional Counselor—because everyone needs a little extra support now and then.
• 24/7 Unlimited Support—help is just a phone call away, day or night.
• 100% Confidential—your privacy is our priority.
How Can EAP Help You?
The EAP provides expert support for personal and professional challenges, including:
• Stress, anxiety, and depression
• Relationship issues, grief, and loss
• Job stress, workplace conflicts, and parenting struggles
Additionally, Work/Life Specialists can assist with:
• Childcare and elder care solutions
• Financial guidance, debt management, and identity theft concerns
• Legal questions and reducing medical or dental bills
Whether you need emotional support or practical resources, the EAP program is here to help. If ongoing support is needed, we’ll connect you with local resources.
Who’s Covered?
This valuable benefit extends beyond you, it’s available to your loved ones too!
The EAP covers:
• Employees
• Spouses or domestic partners
• Dependent children
• Parents and parents-in-law
How to Access Your EAP
Getting started is simple:
• Call Any time: 1-800-854-1446
• Visit Us Online: unum.com/lifebalance
Life, AD&D and Disability Benefits Unum
(Employer Paid)
Life, AD&D & Disability Benefits
Basic Life and AD&D insurance provides financial support in the untimely passing of a covered participant.
Basic Life & AD&D (Employer Paid)
• $50,000 benefit for eligible employees
• Coverage reduces: 35% at age 70 and 50% at age 75.
• Don’t forget to assign your beneficiaries.
Disability Coverage
Short-Term Disability (STD):
• Begins after 14 days out of work.
• Pays 60% of weekly earnings, up to $1,500/week.
• Benefits last up to 11 weeks
Long-Term Disability (LTD):
• Beginning after 90 days out of work
• Pays 50% of monthly earnings, up to $10,000/month.
• Benefits may continue until Social Security Normal Retirement Age
Voluntary Life and AD&D Insurance
Unum (Employee Paid)
Voluntary Life and AD&D provides employee-paid coverage to help protect your family’s financial security in the event of an untimely passing. Coverage is available for you, your spouse/ domestic partner, and your children.
Key Features
• Rates are based on age and amount selected.
• Coverage reduces by 35% at age 70 and 50% at age 75.
• If you elect more than the Guarantee Issue, you must provide Evidence of Insurability (EOI), which may include medical questions or a physical exam.
of $10,000 up to 5x
Increments of $5,000 up to $250,000 (not to exceed 100% of employees’ coverage)
Children Up to $10,000 total for all dependents under age 26
• Birth–14 days: $1,000
• 14 days–6 months: $2,000 N/A
REMEMBER: Be sure to assign your beneficiaries in ADP Workforce Now.
Life Insurance Continuation
If your coverage ends (due to termination or change in status), you and your dependents may continue protection through conversion or portability options. You must submit paperwork and payment within 30 days of losing coverage. Contact HR for details.
More details and rates available on ADP Workforce Now.
Voluntary Benefits Unum (Employee Paid)
Critical Illness Insurance
Help protect against financial hardship by providing coverage if you are diagnosed with a specified illness. This benefit allows you to focus on treatment, care, and recovery.
Annual Wellness Credit: $50 per year.
Accident Insurance
Pays cash benefits to help cover out-of-pocket expenses from an accidental injury—whether on or off the job. This coverage helps protect your savings and provides added peace of mind.
Annual Wellness Credit: $50 per year.
Hospital Insurance
Provides payments if you are admitted to a hospital for a covered sickness or injury. Benefits can be used for deductibles, copays, travel to and from treatment, or childcare assistance while you recover.
*Full plan summaries and rates are available on ADP Workforce Now.
Thriveworks
Thriveworks, your trusted partner in counseling and psychiatry, is here to support you and your family in leading happier, healthier lives. This benefit empowers employees, spouses, and children to access expert care for stress, life challenges, or simply having someone to talk to.
Participation in APCO’s medical program is not required to access Thriveworks services. Services can be utilized by Employees, Spouses, and Children.
Key features include:
• Convenient Online Care: Access therapy sessions via video from the comfort of your home.
• Top Providers: Work with the top 4% of licensed professional counselors, coaches, and psychologists.
• Flexible Scheduling: Evening and weekend sessions are available to fit your busy schedule.
Specialized Areas of Support
Thriveworks providers specialize in a wide range of areas to address diverse needs, including:
• Trauma and PTSD
• Anxiety and depression
• Relationship issues
• Stress and life transitions
• Anger management
• Sleep or insomnia
• Coping skills
• Mindfulness and meditation
• Grief and loss
How to Schedule an Appointment
Scheduling an appointment is simple:
• Call: 855.544.0104
• Visit: Thriveworks.com/partners/apco-holdings
• Scan the QR code provided below.
When scheduling an appointment, you will be asked to provide your medical insurance information to process claims through your insurance; however, insurance is not required.
Voluntary Pet Insurance Nationwide
Nationwide My Pet Protection Choices, a comprehensive pet insurance plan available exclusively through workplace benefit programs. This innovative offer provides employees with flexible options to protect their pets' health, including coverage for accidents, illnesses, hereditary conditions, and wellness care.
Key features include:
• Customizable Plans: Choose from two ready-made plans or tailor coverage to meet individual pet needs.
• Broad Coverage: Includes emergency care, diagnostics, procedures, holistic treatments, and more.
• Ease of Use: Visit any licensed veterinarian, submit claims from any device, and receive reimbursements quickly.
• Unique Benefits: Coverage extends to birds and exotic pets, along with discounts on pet prescriptions through PetRxExpressSM and 24/7 veterinary guidance via Vet Helpline.
With guaranteed issuance, multi-pet discounts, and flexible pricing, Nationwide ensures pet families can access affordable and reliable care when it matters most.
For more information:
• Visit https://benefits.petinsurance.com/apcoholdings
• Call 877-738-7874
Click HERE to access Beneportal for more detailed information on voluntary pet insurance.
Benefits MAC Conner Strong & Buckelew
Need Help Navigating Your Benefits?
The Benefits Member Advocacy Center (Benefits MAC), provided through our partnership with Conner Strong & Buckelew, is here to assist you and your covered family members in navigating your benefits.
How the Benefits MAC Can Help You:
• Find answers to your benefits questions.
• Clarify information received from a provider or your insurance company, such as a bill, claim, or explanation of benefits (EOB)
• Guide you through the enrollment process or how to add or remove coverage for a dependent
• Resolve benefits issues you’ve been struggling with
• Explore all the features and advantages your benefit plans offer.
How to Contact the Benefits MAC:
You can reach the Benefits Member Advocacy Center through any of the following methods:
• Phone: 800.563.9929 (Monday through Friday, 8:30 AM to 5:00 PM ET) After hours: Leave a message with a live representative, and you’ll receive a response by phone or email within 24 to 48 business hours.
• Web: www.connerstrong.com/memberadvocacy
• Fax: 856.685.2253
• Email: cssteam@connerstrong.com
This guide is a summary of the benefits offered by APCO Holdings. Full details provided in the official Summary Plan Documents (SPDs), which govern each plan. Employees may request SPDs directly from the carrier or from Human Resources. If you are uncertain about any provision of your benefits, please refer to the applicable SPD. For questions, you may contact APCO Holdings Human Resources or Conner Strong and Buckelew Member Advocacy Team.