It’s Time for 2026 Open Enrollment
Open Enrollment will be held November 10 - November
21, 2025
Passive Open Enrollment
For the 2026 plan year, Gateway will be conducting a PASSIVE Open Enrollment. If you wish to make changes to your current benefits for the 2026 plan year, you will need to log in to your Paycom ESS account during Open Enrollment to update your elections. If no changes are needed, your current benefit elections will automatically roll over into 2026
If you enroll in any Guardian Benefits that require Evidence of Insurability (EOI), Prepaid Legal and Identity Theft through Countrywide ID or in the Flexible Spending Accounts, you will be required to fill out a paper form. Copies of these forms can be found on our BenePortal at www.gatewaybenefits.net.
To enroll in any of the other voluntary products offered, you must access the PayCom system during the scheduled Open Enrollment period.
BenePortal
BenePortal is a valuable online resource that houses all of our benefit program information. It’s your one-stop-shop for:
• All benefits-related information and downloads, including plan summaries and detailed plan documents
• Quick links to carrier websites
• Enrollment forms
• And much more!
You and your family can access BenePortal anytime at www.gatewaybenefits.net
Benefit Highlights
MEDICAL & PRESCRIPTION
AMERIHEALTH ADMINISTRATORS
There will be no changes to the medical and prescription drug benefits for the 2026 plan year.
REMINDER: Urgent Care Centers are a convenient, costeffective alternative to Emergency Rooms. In-Network urgent care visits will be subject to a $50 copay per visit.
TELEMEDICINE TELADOC
As part of your current Amerihealth Administrators medical insurance, you are covered for telemedicine visits. For a $20 copay, you can speak with a board certified doctor by phone, secure video, or mobile app at any time.
You can access Teladoc by:
• Calling 1.800.835.2362
• Visiting teladochealth.com
• Downloading the Teladoc Mobile App
DENTAL GUARDIAN
There will be no changes to the Guardian dental plans for the 2026 plan year.
REMINDER: Employees enrolled in the Guardian dental plan may be eligible to rollover unused annual maximum amounts, as part of the Maximum Rollover benefit. Members can visit www.guardiananytime.com to register and check their availability.
VISION VBA
There will be no changes to the VBA vision plan for the 2026 plan year.
REMINDERS: Contact lens exams continue to be fully covered under the vision exam portion of the benefit, with a 15% discount available for evaluation and fitting fees from in-network providers.
The materials allowance for contact lenses continues to be $120 for both in– and out-of-network services. This benefit may be used for evaluations, fittings, and materials.
Photo Sensitive, Transition Lenses, and Tints are fully covered at VBA in-network providers only.
VOLUNTARY PET INSURANCE NATIONWIDE
All eligible employees have the option to enroll in the Our pets are our family. When your beloved pet needs care, you want to get them the best care possible. That’s why Pet Protection, offered by Nationwide, offers you unbeatable protection at an affordable price. The plan offers you cash back on eligible vet bills for your covered pets.
• Multiple pet discounts
• Customize your coverage based on: The state you live in Pet species
The reimbursement level you choose
To enroll in the Pet Protection plan or for more information, please contact Nationwide directly at 877.738.7874 or online by visiting www.benefits. petinsurance.com
Benefit Highlights (continued)
VOLUNTARY LIFE INSURANCE
GUARDIAN
There will be no changes to the Life and Disability benefits offered through Guardian.
VOLUNTARY GROUP ACCIDENT
GUARDIAN
All eligible employees have the option to enroll in Guardian’s Voluntary Group Accident Plan. This plan pays a lump sum benefit based on the type of injury (or covered accident) you sustain, or the type of treatment you need as a result of an accident. Benefits are paid on an indemnity basis per a pre-determined schedule, regardless of other coverage, including medical. This benefit includes coverage for on and off the job accidents, as well as accidental death.
HEALTHCARE & DEPENDENT CARE FSA
WEX
The Healthcare FSA is used to reimburse out-of-pocket medical expenses incurred by you and your eligible dependents. The maximum you can contribute to the Healthcare FSA in 2026 is $3,400.
The Dependent Care FSA is used to reimburse expenses related to the care of eligible dependents. The maximum that you can contribute to the Dependent Care FSA is $7,500 if you are a single employee or married filing jointly. If you are a married employee filing separately the maximum you can contribute is $3,750.
For more information please visit www.wexinc.com/ discovery-benefits or call 866.451.3399, 6:00 am to 6:30 pm CST.
COMMUTER BENEFITS
WEX
• Employees can enroll in a spending account specific to work related transit expenses for the 2026 plan year.
Employees are eligible to make a monthly pre-tax deduction of up to $340 into their commuter spending account.
Once you make your election, you will receive a debit card if you are newly enrolling that can only be used to pay for work related transit expenses. Your debit card is loaded with your pre-tax deductions each time a deduction is taken from your paycheck. Each time you use your debit card to pay for transit purchases, the funds are automatically debited from your transit account.
• Eligible work related expenses include vouchers, passes, tokens for buses, trains, rail, subways, ferries and vanpooling costs.
Additional Benefits
EMPLOYEE ASSISTANCE PROGRAM
GUARDIAN
Guardian plans offer enrolled members and family at no cost access to the Uprise Health. EAP provides unlimited access to support and resources online or via a phone consult and up to 3 face-to-face counseling sessions with a provider.
For additional information call 800.386.7055 (available 24/7) or visit https://worklife.uprisehealth.com.
Access Code: worklife
EMPLOYEE ASSISTANCE PROGRAM
PREFERRED EAP
Gateway provides employees an additional EAP through Preferred EAP - at no cost to employees. Contact Preferred EAP at 610.433.8550 or toll-free at 800.327.8878
AUTO INSURANCE DISCOUNT
NEW JERSEY MANUFACTURERS
Employees can obtain a customer discount with NJM Auto Insurance. To obtain your quote online visit www.njm.com/partners/gatewaycap or call customer service at 800.232.6600 and provide the member ID #97998.
PREPAID LEGAL & IDENTITY THEFT COUNTRYWIDE
For the 2026 plan year, there will be no changes to the Pre-Paid Legal, Identity Theft, and Credit Monitoring plans offered by Countrywide. The below outlines the costs for each plan on a bi-weekly basis:
• Pre-Paid Legal: $6.44
• Platinum/Protect Max ID Theft Plan: $5.52
• Premier/Protect Pro ID Theft Plan: $5.06
WILL PREPARATION SERVICES UPRISE HEALTH
Will Prep services, provided Uprise Health, are available to employees enrolled in the Guardian Voluntary Life plans and provides a range of services including online planning documents, a resource library and access to professionals.
For more information call 877.433.6789 or visit willprep.uprisehealth.com, click “No Cost Will Maker”, Login and register now.
403(B) PRINCIPAL
Gateway offers a 403(b) program through Principal. Gateway will match up to 6% of your contribution. Please see your Human Resources department for more information on how you can participate in the 403(b).