LEO Events
We are pleased
to offer a full benefits package to you and your eligible dependents. Read this guide to know what benefits are available to you. You may only enroll for or make changes to your benefits during your:
• Initial Eligibility
• Open Enrollment
• When you have a Qualifying Life Event.
NEW THIS YEAR!
Your employee benefits information will be available to you at your fingertips. You will be one click away from accessing your:
• Benefit documents
• Annual notices
• Contact information
• Wellness education, and more.
Just scan the QR Code!
New Hire
Who is eligible?
•A regular, full-time employee working an average of 30 hours per week
When to enroll?
•Enroll by the deadline given by Human Resources
When coverage starts?
• First of the month after completing 30 days of full-time employment
Employee
Who is eligible?
•A regular, full-time employee working an average of 30 hours per week
When to enroll?
•Enroll during Open Enrollment (OE) or when you have a QLE
When coverage starts?
• Open Enrollment: Start of the plan year
• QLE: Depends on Type of Event
Dependent(s)
Who is eligible?
•Your legal spouse
•Child(ren) under age 26, regardless of student, dependency, or marital status
•Child(ren) over age 26 who is fully dependent on you for support due to a mental or physical disability and who is indicated as such on your federal tax return
When to enroll?
•You must enroll the dependent(s) at OE or for a QLE
•When covering dependents, you must enroll for and be on the same plans
When does coverage start?
•Based on the type of event
Qualifying Life Events (QLE)
CHANGING COVERAGE OUTSIDE OF OPEN ENROLLMENT
You may only change coverage during the plan year if you have a Qualifying Life Event, such as:
• Marriage
• Divorce
• Legal separation
• Annulment
• Death
• Birth
• Adoption/placement for adoption
• Change in benefits eligibility
• Gain or loss of benefits coverage
• Change in employment status affecting benefits
• Significant change in cost of spouse’s coverage
• FMLA, COBRA event, court judgment or decree
• Becoming eligible for Medicare, Medicaid, or TRICARE
• Receiving a Qualified Medical Child Support Order
You have 30 days from the event to notify Human Resources and complete your changes. You may need to provide documents to verify the change.
Medical Coverage
The medical plan options through Cigna protect you and your family from major financial hardship in the event of illness or injury. You have a choice of three plans:
• Plan 1 - $6,000 Deductible
• Plan 2 - $3,000 Deductible
• Plan 3 - $500 Deductible
Preferred Provider Organization (PPO)
A PPO allows you to see any provider when you need care. When you see innetwork providers for care, you will pay less and get the highest level of benefits You will pay more for care if you use non-network providers When you see in-network providers, your office visits, urgent care, and prescription drugs are covered with a copay, and most other network services are covered at the deductible and coinsurance level.
Download the myCigna App
You can download the myCigna app from any Apple or Android phone. The app gives you easy access to EOB (explanation of benefits), deductible credit, and more!
Medical Plan Comparison
Plan 1 Plan 2 Plan 3
Telemedicine
Your medical coverage offers telemedicine services through MD Live. Connect anytime day or night with a board-certified doctor via your mobile device or computer for a reduced copay for a primary care physician. While telemedicine does not replace your primary care physician, it is a convenient and cost-effective option when you need care and:
• Have a non-emergency issue and are considering an after-hours health care clinic, urgent care clinic, or emergency room for treatment
• Are on a business trip, vacation, or away from home
• Are unable to see your primary care physician
Registration is Easy
Register so you are ready to use this valuable service when and where you need it
• Online – www.mdlive.com
• Phone – 1-800-400-6354
• Mobile – Access the mobile app through your MD Live app and choose Talk to a Doctor Now.
When to Use Telemedicine
Use telehealth services for minor conditions such as:
• Sore throat
• Headache
• Stomachache
• Cold/Flu
• Minor sprains & strains
• Allergies
• Fever
• Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Health Care Options
Becoming familiar with your options for medical care can save you time and money.
Non-Emergency Care
Telehealth
Access to care via phone, online video or mobile app whether you are home, work or traveling; medications can be prescribed. 24 hours a day, 7 days a week
Doctor’s Office
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history. Office hours vary
Retail Clinic
Allergies
Infections
Sore and strep throat Vaccinations
Minor injuries/sprains/strains
Common infections
Usually lower out-of-pocket cost than urgent care; when you can’t see your doctor; located in stores and pharmacies. Hours vary based on store hours. Minor injuries
Urgent Care
When you need immediate attention; walk-in basis is usually accepted. Generally includes evening, weekend and holiday hours
Emergency Care
Hospital ER
Sprains and strains
Minor broken bones
Small cuts that may require stitches
Minor burns and infections
Life-threatening or critical conditions; trauma treatment; multiple bills for doctor and facility. 24 hours a day, 7 days a week Chest
Blurred or sudden loss of vision
Freestanding ER
Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher 24 hours a day, 7 days a week
Most major injuries except trauma Severe pain
2-5 minutes
15-20 minutes
15-30 minutes
Note: Examples of symptoms are not inclusive of all health issues. Wait times described are only estimates. This information is not intended as medical advice. If you have questions, please call the phone number on the back of your medical ID card.
Dental Coverage - Cigna
Our dental plan helps you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work. Coverage is provided through Cigna using the Cigna DPPO Total provider network.
DPPO Plan
Two levels of benefits are available with the DPPO plan: in-network and out-of-network. You may see any dental provider for care, but you will pay less and get the highest level of benefits with in-network providers. You could pay more if you use an out-of-network provider
1 See your plan for details about
Vision Coverage - Cigna
Our vision plan offers quality care to help preserve your health and eyesight Regular exams can detect certain medical issues such as diabetes and high cholesterol, in addition to vision and eye problems You may seek care from any vision provider, but the plan will pay the highest level of benefits when you see innetwork providers Coverage is provided through Cigna using the PPO provider network.
Find a Provider
•Call (866) 494-2111
•Visit www.cigna.com
•Download the mobile app
•Single Vision •Bifocals
•Trifocals
•Lenticular
•Elective
•Medically Necessary
up to $160 Allowance; 20%
Cigna Resources
myCigna.com
myCigna serves as your one-stop-shop for all Cigna health plan and benefits information. Key features include managing and tracking claims, accessing digital ID cards, finding in-network providers, accessing cost comparison tools, reviewing coverage details, and more Visit www. mycigna.com to register
• Health Information Line – Speak to a nurse at any time to get answers and/or recommendations based on your specific health situation Call the number on the back of your Cigna ID card for 24/7 access to the Health Information Line.
• One Guide – Get assistance from a personal guide who can help you navigate your Cigna benefits and resources Call the number on the back of your Cigna ID card or speak to someone virtually via the click-to-chat function on myCigna.com.
Cigna One Guide
Cigna One Guide makes it easier for you to be your healthiest in mind and body. By contacting the Cigna One Guide team, you get personalized, proactive Customer Service support. Any time day or night, the team will help:
•Resolve health care issues
•Save time and money
•Understand your benefit plan
•Find in-network providers
•Get cost estimates
•Understand billing
•Connect with dedicated support for complex health situations
myCigna Mobile App
Download the myCigna mobile app to access your Cigna health plan and benefits information while on the go. This app helps you organize and access important plan information on your smartphone or tablet. It is also available in Spanish.
Cigna One Guide offers the convenience of an app with the personal touch of live service to help you engage in your health and get the most out of your health plan. The program allows you to connect with specially trained personal guides who can respond to your questions and anticipate your needs. The One Guide mobile app helps maximize health benefits and provides support, allowing you to:
•View personalized messages from Cigna based on your One Guide analytics
•Display ID cards
•Show recent claims and account balances
•Locate doctors, dentists and other providers and facilities
•Refill prescriptions and estimate drug costs
Personal guides respond to your needs and help you:
•Choose the right benefit plans and programs
•Learn about incentives and rewards
•Save money by using your health care dollars wisely
•Connect with a nurse
Connect with Your Personal Guide
Use the Cigna One Guide service by app, chat or phone.
•Download the myCigna app
•Visit www.mycigna.com
•Call 866-494-2111
Flexible Spending Accounts
A Flexible Spending Account (FSA) allows you to set aside pretax dollars from each paycheck to pay for certain IRS-approved health and dependent care expenses. We offer two different FSAs: one for health care expenses and one for dependent care expenses. Paylocity administers our FSAs.
Health Care FSA
The Health Care FSA covers qualified medical, dental, and vision expenses for you or your eligible dependents. The 2026 Healthcare FSA limits are expected to increase to $3,400 annually to a Health Care FSA, and you are entitled to the full election from day one of your plan year Eligible expenses include:
• Dental and vision expenses
• Medical deductibles and coinsurance
• Prescription copays
• Hearing aids and batteries
Dependent Care FSA
The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents so you or your spouse can work or attend school full time You can use the account to pay for day care or babysitter expenses for your children under age 13 and qualifying older dependents, such as dependent parents Reimbursement from your Dependent Care FSA is limited to the total amount deposited in your account at that time. To be eligible, you (and your spouse, if married) must be gainfully employed, looking for work, a full-time student, or incapable of self-care.
Important FSA Rules
• The maximum per plan year you can contribute to a Health Care FSA is expected to increase to $3,400 for 2026. The maximum per plan year you can contribute to a Dependent Care FSA is set to increase to $7,500 when filing jointly or head of household and $3,750 when married filing separately.
• You cannot change your election during the year unless you experience a Qualifying Life Event.
• Your Health Care FSA debit card can be used for health care expenses only. It cannot be used to pay for dependent care expenses.
• The IRS is expected to amend the “use it or lose it rule” to allow you to carry-over up to $680 in your Health Care FSA into the next plan year. The carryover rule does not apply to your Dependent Care FSA.
What are some eligible expenses?
Designating a Beneficiary
A beneficiary is the person or entity you elect to receive the death benefits of your Life and AD&D insurance policies You can name more than one beneficiary, and you can change beneficiaries at any time If you name more than one beneficiary, you must identify how much each beneficiary will receive (e g , 50% or 25%).
Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) insurance through Mutual of Omaha are important to your financial security, especially if others depend on you for support or vice versa. With Life insurance, you or your beneficiary(ies) can use the coverage to pay off debts, such as credit cards, loans, and bills. AD&D coverage provides specific benefits if an accident causes bodily harm or loss (e.g., the loss of a hand, foot, or eye). If death occurs from an accident, 100% of the AD&D benefit would be paid to you or your beneficiary(ies) Life and AD&D coverage amounts reduce by 65% at age 65 and 50% at age 70.
Group Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you You are automatically covered at $50,000 for each benefit.
Voluntary Life and AD&D
You may buy more Life and AD&D insurance for you and your eligible dependents. If you do not elect Voluntary Life and AD&D insurance when first eligible or if you want to increase your benefit amount at a later date, you may need to show proof of good health You must elect Voluntary Life and AD&D coverage for yourself before you may elect coverage for your spouse or children. If you leave the company, you may be able to take the insurance with you
Voluntary Life and AD&D
•Increments of $10,000 up to $300,000 (not to exceed 5 x your annual earnings)
Employee
Spouse
Child(ren)
•Guaranteed Issue: 5x annual income or $50k, whichever is less
•Increments of $5,000 up to $150,000 not to exceed 100% of employee’s amount of life insurance
•Guaranteed Issue:100% of Your elected amount of life insurance or $25,000, whichever is less
•You may elect to cover eligible children up to $10,000
Disability Insurance
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We provide Short Term Disability (STD) and Long-Term Disability (LTD) at no cost to you through Mutual of Omaha.
Short Term Disability
STD coverage pays a percentage of your weekly salary if you are temporarily disabled and unable to work due to an illness, pregnancy or non-work-related injury. STD benefits are not payable if the disability is due to a jobrelated injury or illness. If a medical condition is jobrelated, it is considered Workers’ Compensation, not STD.
Short Term Disability
Long Term Disability
LTD insurance pays a percentage of your monthly salary for a covered disability or injury that prevents you from working for more than 90 days. Benefits begin at the end of an elimination period and continue while you are disabled up to maximum benefit period.
Long Term Disability
1 Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months.
1 Benefits may not be paid for any condition treated within three months prior to your effective date until you have been covered under this plan for 12 months.
Employee Assistance Program
The Employee Assistance Program (EAP) from Mutual of Omaha helps you and family members cope with a variety of personal or work-related issues. This program provides confidential counseling and support services at little or no cost to you to help with:
• Relationships
• Work/life balance
• Stress and anxiety
• Will preparation and estate resolution
• Grief and loss
• Child and elder care resources
• Substance abuse Call 1 (800) 316-2796 or visit www.mutualofomaha.com/eap for support at any hour of the day or night.
New Ambulance Benefit - MASA
New Ambulance Benefit - MASA
EMERGENCY AIR AND GROUND AMBULANCE COVERAGE
If a medical emergency occurs, CALL 9-1-1 and 9-1-1 will dispatch an air or ground ambulance and the Member will be transported to the hospital. The emergency transport will be processed through your primary insurance first. If there is an outstanding balance, you will receive a bill which must be submitted to MASA MTS within 180 days of the ambulance transport.
HOSPITAL TO HOSPITAL COVERAGE
If a Member is taken to one hospital and needs to be transported to another hospital by an emergency air or ground ambulance for a higher level of care, the hospital will arrange the transport. The emergency transport will be processed through your primary insurance first. If there is an outstanding balance, you will receive a bill which must be submitted to MASA MTS within 180 days of an ambulance transport
REPATRIATION TO HOSPITAL NEAR HOME COVERAGE
If a Member is admitted into a hospital more than 100 miles away from home and the Member is not scheduled to be discharged and would like to be transferred to a hospital closer to home for continued care and recuperation, the Member is required to call MASA to arrange for transport. If the transport is approved by the attending physician and MASA’s Medical Director, MASA will coordinate and pay for the non-emergency transport Members must comply with access to services to qualify for Repatriation to Hospital near Home Coverage.
This brochure highlights the main features of the Leo Events employee benefits program. It does not include all plan rules, details, limitations, and exclusions. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be an inconsistency between this brochure and the legal plan documents, the plan documents are the final authority. Leo Events reserves the right to change or discontinue its employee benefits plans at any time.