SDCRAA Retirees 2026 Benefits Guide

2026 BENEFITS GUIDE

Welcome to Your Benefits Guide

Your commitment to the Airport Authority has made us what we are – a world-class provider of air transportation services consistently elevating the traveler experience. As you enter a new adventure in your life, we remain committed to providing you and your family benefits that meet your current needs and fit with the adventures that await you.

You’ll find tips to help you understand your coverages, save time and money on healthcare. Review the coverage and tools available to you to make the most of your benefits.

The benefits in this summary are effective January 1, 2026, through December 31, 2026.

Who is Eligible?

The following First-Generation Retirees are eligible to participate in the benefits represented in this guide:

 Non-represented employees hired prior to May 1, 2006, or

 Represented employees hired before October 1, 2008, who are SDCERS Classic Members enrolled in SDCRAA’s health plan on the last day as an active Authority employee, eligible for SDCERS’ Retirement benefits, and retiring from the Authority with a Service Retirement (i.e., You have 20+ years of service and are at least 55 years old or you have 5+ years of service and are at least age 62 years old)

ELIGIBILITY FOR DEPENDENTS

If your eligible dependent is enrolled in your Airport Authority policy on your last day as an active employee of the Airport Authority, you may enroll those eligible dependents in the Retiree Health Benefits Program. If you waive coverage for dependents during the initial enrollment period for retiree benefits, you will only be able to add your spouse and/or dependent child(ren) within 30 days of a qualifying event. You must have proof of prior continuous coverage for all dependents you enroll.

When you can enroll

The one time each year that you can make changes to your benefits for any reason. Open enrollment is generally held in October every year for a January 1 effective date.

A qualifying life event is a significant change in your life that allows you to make changes to your benefits outside of open enrollment. See the next page for more information.

Changing Your Benefits

IMPORTANT ELIGIBILITY ITEMS TO CONSIDER

 Thinking about not enrolling yourself or your dependents at retirement? If you don’t enroll in these benefits at retirement, you and your dependents will only be allowed to enroll with a qualified event and with proof that you and your dependents have had continuous coverage since your retirement in another qualified plan.

 Are you eligible for Medicare due to turning age 65+ or a disability? You are required to enroll in and pay for Medicare Parts A & B and any related premiums.

 Medicare Eligible? You are required to enroll in and pay for Medicare Parts A & B and any related premiums and may also be required to enroll in and pay an IRMAA premium for prescription drug plan coverage.

Any change you make must be consistent with the change in status. All proper documentation is required to cover dependents (marriage certificates, birth certificates, etc.).

You must submit your change within 30 days after the event.

ENROLLING OR CHANGING BENEFITS

If you experience a qualifying event, you have 30 days from the date of the qualified life event to notify the Human Resources Department. Please be prepared to provide proof of the event.

Visit https://www.benxcel.net/Platform for online enrollment.

Don’t miss your enrollment deadline!

Enrolling for Benefits

Welcome to BenXcel!

BenXcel is an online system that enables you to make all your benefit decisions in one place. If you don’t have access to a computer, you can access the enrollment portal from a tablet or smartphone.

Before you enroll

 Know the date of birth, social security number, and address for each dependent you will cover.

 Review your enrollment materials to understand your benefit options and costs for the coming year.

Getting started

 LOG IN to BenXcel

1. Go to: BenXcel (https://www.benxcel.net/platform)

2. Enter your Username and Password:

Username - First Name Initial, Last Name Initial, Last 4 of SSN

Password - Entire Date of Birth (mmddyyyy)

3. Enter your Company Name: SDCRAA

4. Click ‘SIGN IN’

 ADD your personal and dependent information

 SELECT your benefit plans for the coming year

 UPLOAD any necessary documents. See Dependent Verification section for more information

 REVIEW your choices and costs before finalizing

Mid-Year changes

 You have year-round access to a summary of your benefits through BenXcel.

 Mid-year changes should be initiated through BenXcel. HR may reach out for additional verification.

GET PERSONALIZED SUPPORT WITH QUESTIONS – BIG OR SMALL

MyAdvocate360 provides an opportunity to get help with both big and small benefits-related questions. This confidential, free-of-charge resource can provide:

 Assistance with login credentials and password reset

 Guidance on using the Benxcel 2.0 dashboard

 Finding a network provider

 Understanding your available benefits

 Resolve claim or billing issues

Friday, 6:00 am – 3:00 pm (PT)

Medical

Pre-Medicare Retirees Only: Medical Plan Options

Your medical benefit offerings depend on your Medicare-eligible status.

If you are pre-65 and not yet eligible for Medicare Parts A & B, you have four different medical options from which to choose.

Medical Plan Overview

Our medical plans offer comprehensive coverage. Preventive care is fully covered under all plans if obtained in-network. Your costs for other services will depend on which plan you choose.

This guide serves as a summary of the medical plan(s). Please review the plan documents before selecting a plan.

What you need to know

Must meet

for some services before the plan begins to pay a % of the

Must meet deductible for most services before the plan begins to pay a % of the cost

Out-of-network coverage; higher costs

Anthem Medical HMO Plans

Pre-Medicare Retirees Only

1This

2All

3Complies with CA SB279 refer to carrier plan documents for details.

4Non-diabetic GLP-1: 30% coinsurance, max $150/month (quantity limits apply). Diabetic GLP-1: covered under standard formulary benefit.

FIND A MEDICAL PROVIDER

Your in-network benefits are provided through the Anthem Network. To find a provider, visit anthem.com/ca/prism and continue as a guest. You can search by ZIP codes, provider type, or specific plan/provider. Here’s a key to finding the plans available to you: Select HMO or California Care (Full HMO).

Anthem Medical PPO Plan

Retirees Only

1This family deductible is embedded, meaning that the plan begins to make payments for a member once they reach their individual deductible.

2This family out-of-pocket maximum is embedded, meaning that the plan will cover 100% for a member once they reach their individual maximum.

3All covered expenses including your medical deductibles and prescription copays accumulate towards the out-of-pocket maximum.

4Non-diabetic GLP-1: 30% coinsurance, max $150/month (quantity limits apply). Diabetic GLP-1: covered under standard formulary benefit.

FIND A MEDICAL PROVIDER Your in-network benefits are provided through the Anthem Network. To find a provider, visit anthem.com/ca/prism and continue as a guest. You can search by ZIP codes, provider type, or specific plan/provider. Here’s a key to finding the plans available to you: Prudent Buyer PPO

Anthem Medical HDHP/HSA Plan

Prescription Drugs – Navitus

Filling Your Prescriptions

Anthem members have access to prescription drug coverage through Navitus.

 Network Pharmacy – Most independent and all major chain pharmacies, are part of your benefit network.

 Costco Mail Order – A 90-day supply of maintenance medications can be mailed right to your door. You don’t need to be a Costco member to use their pharmacies. Just register online at pharmacy.costco.com or call (800) 607-6861 to get started.

 Specialty Pharmacy - Lumicera Health Services, our specialty pharmacy partner, provides a high level of personalized care for members with complex conditions. Their clinical team will help you manage side effects and reduce complications, so you can focus on the things that matter most. Visit lumicera.com/patients/ or call (855) 8473553 for more information.

Member Portal & App

Go to navitus.com/members to access the member portal or download the Navitus mobile app. Register for your account, if you haven’t already done so. Log into the Navitus member portal and app with the same username and password. Once registered, click Sign In, then enter your login details and password. From here you can:

 View or print your member ID card.

 Perform a Drug Search for coverage details.

 Find drug prices and pharmacy locations.

 Easily track your medication history.

Questions?

Review the Navitus FAQ to learn more about the program offerings.

Simplifying Prior Authorization, Step Therapy & Exception to Coverage

There are certain conditions and medications which require extra steps to gain approval to fill the prescription, but Navitus tries to make it as easy as possible.

 Prior Authorization (PA) – Some prescriptions require prior authorization to be filled, which your health care provider will need to help facilitate. Drugs that need prior authorization are listed on your formulary with a PA. Most prior authorization requests are reviewed within two business days and urgent requests within one business day.

 Step Therapy – When there’s an effective alternative available that’s less expensive for you, you may be asked to try that before a more expensive prescription is authorized.

 Exception to Coverage (ETC) – If a drug isn’t approved, you and your doctor can submit an ETC request showing alternative medications aren’t effective or suitable for your personal situation.

 Coverage Details - If there are any limits or requirements on your medications like the ones listed above, a Coverage Details button will appear on the medicine’s description page in the portal. Clicking on that button will outline what’s needed to get the prescription filled.

Navitus Customer Care

Carrier ID: NVPSM

Phone: 855-847-1035

Website: navitus.com/members

Available 24 hours a day, 7 days a week; Closed Thanksgiving & Christmas

Health Savings Account (HSA)1

A Health Savings Account (HSA) is a powerful tool for managing healthcare costs and saving for the future. This program is administered through Wealthcare.

How the HSA Works

HSAs are used together with high-deductible health plans (HDHP) to give you an option to set aside after-tax cash contributions to use anytime you want to pay for eligible health care expenses - your annual physical, an eye exam, a root canal - these are all eligible. Or you can pay for these expenses out of your own pocket and save your HSA funds for future expenses. Your HSA is yours to use now or later – even after you leave the Airport Authority

The IRS (Publication 502) defines qualified health care expenses. You can find a list of these qualified health care expenses at: IRS website

HSA Contribution

You can contribute as much or as little as you want up to the IRS maximum each year. The Health Savings Account provides a triple- tax advantage! You contribute funds tax-free, funds grow tax free, and you can withdraw funds tax-free.

Coverage: $4,400

Are you age 55 or over? You can contribute an additional $1,000

Funding Your HSA

Up to the age of 65, you fund your HSA by making personal payment arrangements directly to your HSA. If you choose, Anthem will manage your ongoing HSA account through Anthem Spending Account. You will still get the advantage of before-tax savings, but you will only realize that benefit when you file your taxes for the year.

Things to Think About:

 You must be enrolled in the Anthem HDHP plan and not covered by any other medical plan

 You must not be enrolled in Medicare or TRICARE

 Are you a veteran? If so, you must not have received veteran benefits within the last three months, except for preventive care

 Have you participated in an FSA? You must exhaust any funds remaining in your FSA before the end of the year in which you retire

You are NOT ELIGIBLE for an HSA if:

At age 65+, you’re eligible for Medicare. If you’re enrolled in any part of Medicare, you can no longer contribute to a Health Savings Account (HSA). However, you can continue to use the funds in your HSA towards Medicare payments and other qualified out-of-pocket health care expenses.

Unlock the Power of Your HSA

Tax Advantages

Contributions, growth and eligible withdrawals are all tax-free.*

Rollover Capability

Unused funds roll over from year to year, so you don't lose them.

Retirement Savings

You can use HSA funds for healthcare expenses in

Portability

Keep your HSA even if you change jobs or health plans.

PRISM Anthem Resources

Sydney Mobile App

Use SydneyTM Health to keep track of your health and benefits- all in one place. Access your plan details, Member Services, virtual care, and wellness resources. You can also set up an account at anthem.com/ca/register to access most of the same features from your computer.

Building Healthy Families

Building Healthy Families offers personalized, digital support through the SydneySM Health mobile app or on anthem.com/ca. This all-inone program, at no extra cost to you, can help your family grow strong whether you’re trying to conceive, expecting a child, or in the thick of raising young children.

Lark Diabetes Management Program

Available to participants of HMO and HDHP plans at no cost. Track your progress, check in with your coach, and learn more about prediabetes right in Lark’s free mobile app. This program follows guidelines from the Centers for Disease Control and Prevention (CDC) to help you make small changes that can improve your health and decrease your risk over time.

LiveHealth Online

Visit with a board-certified doctor using your smartphone, tablet or computer with a webcam. Doctors are available 24/7 to assess your condition and, if it’s needed, they can send a prescription to your local pharmacy. Psychiatry and Psychology services are also available. Register online and download the mobile app.

24/7 Nurse Line

24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. For help, call the number on the back of your ID card.

ConditionCare

ConditionCare is a disease management program available to members at no cost. The program provides tools, resources and support with Asthma (pediatric or adult), Chronic obstructive pulmonary disease (COPD), Coronary artery disease, Diabetes, types 1 and 2 (pediatric or adult) or Heart failure. For more details and/or to join, call (866) 962-0957.

Anthem ID Cards

For HMO plans, ID cards will be issued to each member enrolled. For PPO and HDHP plans, one ID card will be issued to subscriber and one to spouse/DP. Two cards will be issued in the subscriber’s name for subscriber plus child(ren) contracts. ID cards with child dependent names can be requested by calling the member service number on the ID card.

Provider Finder

To find a provider in your plan network, please visit anthem.com/ca/prism

Digbi - Diabetes, Obesity & GI Care

Your Digbi Health Journey

The Digbi Health program is a personalized 52-week journey designed to transform your health and wellness. Whether you’re managing your weight, Type 2 Diabetes, digestive health, or taking GLP-1s for weight management, Digbi is here to support you with care tailored to your biology. Digbi Health is available at no cost for eligible members covered by Anthem through your employer.

This program includes:

 Gut & Gene Testing Kits

 Glucose Monitoring Device

 Tailored Meals

 Health Coach

 GLP-1s for weight management

Contact Digbi at prism@digbihealth.com or at (866) 344-2189 if you have any questions.

GLP-1 Eligibility

Eligibility requirements for accessing GLP-1s for weight management:

 18 years or older and enrolled in Anthem (Mandatory).

 BMI 40 or higher without any comorbidity (OR)

 BMI 35 - 39 with at least one related comorbidity (OR)

 Mandatory: If you’re on a GLP-1 for weight management, you should have lost 5% weight within 90 days of starting them.

 Digbi is the starting point for weight-management medications for all Anthem members.

 The Digbi care team will administer prior authorization, act as the program’s sole prescriber of non-diabetic GLP-1s and provide ongoing lifestyle coaching so medication and daily habits work together.

Get Started

1. Check your eligibility and sign up for the program at digbihealth.com/prism.

2. If you are eligible, download mobile apponelink.to/digbi.

3. On the app, please confirm shipping address and answer onboarding questions - your kits will be ordered to your address, automatically.

4. Starting January 1, 2026, you will have 90 days to go through Digbi Health’s Reauthorization for weight management GLP-1 medication based on the new eligibility criteria.

Digbi Health App

 Get at-home Test Kits - Within a week, you'll receive a comprehensive testing kit including a Genetic Test, a Gut Microbiome Test, and an Abbott Libre Continuous Glucose Monitor. Please follow instructions to collect samples and return kits using pre-labeled shipping.

 Sync your Health Apps - Connect Apple or Google Health Apps with the Digbi App. Navigate to settings, choose "Health", then connect by tapping "Refresh" under "Apple Health".

 Say hi to your Coach! - Tap the 'Coach' button at the bottom to start engaging with your health coach on the app and upload meal pictures for scoring while you await test results.

Questions?

Review the Digbi Health FAQ to learn more about the program offerings.

1For Anthem Members

Medical

Post-Medicare Retirees Only

Your medical benefit offerings depend on your Medicare-eligible status.

If you are a Medicare-eligible retiree and enrolled in Medicare Part A and Part B, you have the option to enroll in the Medicare Advantage PPO provided through UnitedHealthcare. This plan provides:

 Flexible with access to providers nationally, in- and out-of-network

 Additional coverage to accompany Medicare Part A and Part B

 Affordable cost for retail prescription drugs

Medical Plan Overview

Our medical plans offer comprehensive coverage. Preventive care is fully covered under all plans if obtained in-network. Your costs for other services will depend on which plan you choose.

This guide serves as a summary of the medical plan(s). Please review the plan documents before selecting a plan.

See the Summary Plan Description (SPD) for complete details or questions can be directed to UnitedHealthcare (see the Contact Information section for contact information).

What you need to know

If you are under age 65 and your Spouse and/or Dependent(s) are over age 65 (or vice-versa), please contact the Benefits Department for combination contributions. To be eligible for the UHC Medicare Advantage PPO plan you must be enrolled in Medicare Part A and Part B.

UHC Medicare Advantage PPO Plan

Post-Medicare Retirees Only

FIND A MEDICAL PROVIDER

UnitedHealthcare® Group Medicare Advantage (PPO) has a network of doctors, hospitals, pharmacies and other providers. You can see any provider (network or out-of-network) at the same cost share, as long as they accept the plan and have not opted out of or been excluded or precluded from the Medicare program. If you use pharmacies that are not in our network, the plan may not pay for those drugs, or you may pay more than you pay at a network pharmacy. You can go to retiree.uhc.com to search for a network provider or pharmacy using the online directories. You can also view the plan Drug List (Formulary) to see what drugs are covered and if there are any restrictions.

Dental

Dental Plan Overview

We offer dental coverage through Delta Dental. Dental insurance makes it easier and less expensive to get the care you need to maintain good oral health.

This guide serves as a summary of the dental plan(s). Please review the plan documents before enrolling in coverage.

What you need to know

Delta Dental PPO

DeltaCare HMO

 Must meet deductible for some services before the plan begins to pay a % of the cost

 Out-of-network coverage; higher costs

 In-network only

 Requires primary care dentist

 No deductible

 Predictable costs

Dental insurance covers multiple types of treatment:

1. Preventive care includes exams, cleanings and x-rays

2. Basic care focuses on repair and restoration with services such as fillings, root canals, and gum disease treatment

3. Major care goes further than basic and includes bridges, crowns and dentures

4. Orthodontia treatment to properly align teeth within the mouth

All About PPO Dental

Watch this video to brush up on the ins-and-outs of dental insurance. Click to play video

Delta Dental

Delta Dental Perks

Find a Dental Provider

Vision

Vision Plan Overview

We offer vision coverage through VSP. Vision coverage helps with the cost of eyeglasses or contacts.

Vision benefits are provided through VSP. You pay 100% of the cost of this coverage. Through the voluntary vision plan, you can see the provider of your choice, but you will pay less if you choose an ophthalmologist who participates in the VSP Choice network.

This guide serves as a summary of the vision plan. Please review the plan documents before enrolling in coverage.

What you need to know

VSP PPO

 In-network only

 Out-of-network coverage will have higher costs

 The plan will reimburse up to a specific dollar amount for most materials

All About Vision

Watch this video to learn more about what to keep an eye out for when it comes to vision insurance.

VSP Vision

1In lieu of frames/lenses

VSP Perks

 Extra Savings - Get an extra $20 off featured frame brands and save 20% on additional glasses and sunglasses.

 Retinal Screening - You won’t pay more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam.

 LASIK Laser Vision Correction - Save up to an average of 15% off the regular price of LASIK or discounts available from contracted facilities.

 TruHearing® Hearing Aid Discount - members can save up to 60% on a pair of hearing aids with TruHearing

 Diabetic Resources - additional eyecare services for members with diabetic eye disease, glaucoma or age-related macular degeneration (AMD).

Life & AD&D

When it comes to Life and Accidental Death & Dismemberment (AD&D), the Airport Authority provides financial protection for you and your family. We cover the cost of this coverage, provided through Lincoln, at 100% for all First-Generation Retirees.

Who is eligible

Life and AD&D Employer Paid

Basic Life and AD&D Benefit

Beneficiary

 Retiree only

$10,000

 It is important to choose, and keep up to date, a beneficiary to receive your life and AD&D benefit in the event of your death. You can update your beneficiary by visiting https://www.benxcel.net/platform

 NOTE: Beneficiary updates for the Deferred Compensation Plan or Teamster 911 Life Insurance Plan should be updated with the applicable carriers.

Your Beneficiary = Who Gets Paid

If the worst happens, your beneficiary the person (or people) on record with the life insurance carrier receives the benefit. Make sure that you name at least one beneficiary for your life insurance benefit, and change your beneficiary as needed if your situation changes.

Employee Assistance Program (EAP)

Help for you and your household members

There are times when everyone needs a little help or advice, or assistance with a serious concern. The EAP through Anthem can help you handle a wide variety of personal issues such as emotional health and substance abuse; parenting and childcare needs; financial coaching; legal consultation; and eldercare resources.

Best of all, contacting the EAP is completely confidential, free and available to any member of your immediate household.

No cost EAP resources

The EAP is available around the clock to ensure you get access to the resources you need:

 Unlimited phone access 24/7

 In-person or video counseling for short-term issues; up to 6 visits per issue

 Unlimited web access to helpful articles, resources, and self-assessment tools

Available Resources

Counseling Benefits

 Difficulty with relationships

 Emotional distress

 Job stress

 Communication/ conflict issues

 Alcohol or drug problems

 Loss and death

Parenting & Childcare

 Referrals to quality providers

 Family day care homes

 Infant centers and preschools

 Before/after school care

 24-hour care

Financial Coaching

 Money management

 Debt management

 Identity theft resolution

 Tax issues

Legal Consultation

 Referral to a local attorney

 Family issues (marital, child custody, adoption)

 Estate planning

 Landlord/tenant

 Immigration

 Personal Injury

 Consumer protection

 Real estate

 Bankruptcy

Eldercare Resources

 Help with finding appropriate resources to care for an elderly or disabled relative

Online Resources

 Self-help tools to enhance resilience and well-being

 Useful information and links to various services and topics

Bereavement Support

Support In Times of Loss

Through the Airport Authority, you and your family have access to complimentary support for both Loss Support and Anticipated Loss.

Empathy is a dedicated service that helps you navigate the challenges following the loss of a loved one. This benefit goes beyond traditional bereavement leave, offering comprehensive emotional and practical support at no cost to you.

Empathy gives you the resources to handle any practical or emotional challenge that follows the loss of a loved one. From settling the estate to dealing with grief, Empathy’s tech-enabled assistance and realtime human support helps you and your family save hours of time and thousands of dollars as you deal with every challenge that loss brings.

Benefits of Empathy:

 Dedicated Care Manager

 Personalized Care Plan

 Grief Support Resources

 Probate & Estate Guidance

Custom Funeral Assistance  Family Collaboration

To access your Empathy benefit, scan the QR code or visit: join.empathy.com/sdcraa Call (201) 350-1881 to be connected with Empathy’s Care Team.

Pathwise Financial Wellness

Financial Wellness matters

Pathwise Financial Wellness is an engagement software that provides employees access to financial wellness solutions. It is meant to act as the one-stop shop for your personalized financial wellness.

How it works

 Collect valuable insight about where you need to focus

 Easily accessible regardless of your location

 Personalized, year-round education and engagement

 One location for all things financial wellness, whenever you need

 Personal financial support for you

 Unlimited access to financial advisory support

Pathwise can analyze your financial situation associated with:

 Long-term care

 Retirement planning

 Life insurance

 Tax efficiency planning

 Student loan relief

 Employee financial dashboard

Contact Pathwise Website: pathwisegroup.com/employee

Alliant Medicare Solutions Turning 65? Understand Your Medicare Options

Alliant Medicare Solutions is a no-cost service available to you, your family members, and friends nearing age 65.

Whether you retire or continue to work, choosing the right healthcare option is an important decision when you reach age 65

Most people become eligible for Medicare at age 65. When that happens, you’ll probably have some time-sensitive decisions to make, based on your individual situation.

Introducing Alliant Medicare Solutions - Premier

Medicare can be complicated. Figuring out the rules not to mention how Medicare works with or compares to your employer-provided medical coverage—can be a headache. That’s why we are offering Alliant Medicare Solutions. The licensed insurance agents at AMS can help you understand Medicare, what is and isn’t covered, and how to choose the best coverage for your situation.

How does

it work?

1. Call Alliant Medicare Solutions at (877) 638-1413 to speak to a licensed insurance agent. Have your current medical coverage information available when you call.

2. Discuss with Alliant Medicare Solutions your existing insurance coverage, your Medicare options, and which of those plans might work the best for you.

3. If Medicare is the best option, Alliant Medicare Solutions helps you enroll immediately or emails policy materials for you to review and enroll at a later date.

www.deltadentalins.com

(833) 954-1067 anthemEAP.com/prism (company code: PRISM) Empower Retirement (457/401a) Deferred Compensation Plan

eric.winston@empower.com

IMPORTANT NOTE: This is a summary overview and does not provide a complete description of all benefit provisions. While we've made every effort to make sure that this overview is comprehensive, it cannot provide a complete description of all benefits. Specific details and limitations are provided in the plan documents, such as the Summary of Benefits and Coverage (SBC), Evidence of Coverage (EOC), etc. Plan documents contain relevant provisions and determine how benefits are paid. If the information in this overview differs from the plan documents, the plan documents prevail.