January 1 – December 31, 2026
HELPFUL RESOURCES
available, which summarizes important information about your
OUR COMMITMENT TO YOU
Doosan Turbomachinery Services, Inc. is pleased to offer
to you and your family.
Your health and wellness are very important to us. At Doosan, our people are our priority and the key to our success. We know you work hard each day to make a significant contribution to our company. That is why each year, with the help of outside experts, we analyze our benefits against the competition, research benefit trends in the marketplace, and understand how you and your dependents use our benefits. Based on this, we make changes as necessary to ensure that our benefits package is among the best in our industry and one that continues
ELIGIBILITY AND ENROLLMENT
As a Doosan employee, you are eligible for a comprehensive range of benefit plans designed to:
Promote the health and well-being of you and your family
Protect your income while you are working
Build financial security for retirement
Help you balance personal responsibilities and work life
You are responsible for the information contained in this document, including eligibility requirements for you and any covered or future eligible dependents due to a qualifying status change.
Who You Can Cover
You, if you are:
A full-time, benefit-eligible employee.
Your spouse, if you are:
Legally married.
Your children up to age 26*, if they are:
Your biological child.
A child you are legally required to cover under a
ELIGIBILITY AND ENROLLMENT
What if You Need to Change Your Benefits During the Year
You cannot change your benefit elections, covered dependents, or coverage level during the year unless you have a Qualifying Life Event (QLE). QLEs include:
Marriage
Divorce, annulment, or legal separation
Birth, adoption, legal guardianship, or change in child custody
Death of a dependent
Your child reaching the age limit for coverage (age 26)
QLEs
You cannot change your medical plan during the year, even if you have a qualified status change. You can, however, add dependents to your medical coverage (e.g., for marriage, birth, or adoption of a child).
A newborn child does not need a Social Security number (SSN) to be added to your coverage; by age one, the SSN will be required.
If you have questions, please call Human Resources at 713-364-7503.
MEDICAL BENEFITS
Our medical plan, provided by BCBSTX , is designed to provide preventive care benefits to keep you healthy and to protect you and your family from major financial hardship in the event of illness or injury.
High Deductible Health Plan
The HDHP/HSA plan is a High Deductible Health Plan (HDHP) that allows you to make decisions about how to spend your health care benefits dollars.
The plan allows for in-network and out-of-network benefits. By using an in-network provider, you will receive benefits at a discounted cost. If you use an out-of-network provider, you will pay more for services. Once the innetwork deductible has been satisfied, benefits will be
HDHP with a Health Savings Account
The HDHP blends traditional health insurance with a Health Savings Account (HSA). An HSA allows you to use a debit card to pay for your medical expenses. Note that your HSA funds are not “use it or lose it” – the unused account balance rolls over each year. Additional HSA information can be found on page 12 of this booklet.
Benefits of an HSA include:
Gives you control to make decisions about your
The money in your HSA belongs to you, even if you
BCBSTX MEMBER WEBSITE AND APP
Member Website
Blue Access for Members (BAM) is the secure BCBSTX member website where you can:
Check claim status or history
Confirm dependent eligibility
Sign up for electronic EOBs (Explanation of Benefits statements)
Locate in-network providers
Print or request an ID card
Review your benefits
Mobile App
The BCBSTX app can help you stay organized and in control of your health anytime, anywhere. Log in from your mobile device to access your BAM account, including:
Track account balances and deductibles
Access ID card information
Find doctors, dentists, and pharmacies
Text BCBSTXAPP to 33633 or search your mobile device’s app store to download..
coverage, deductibles, copays, and more. When you sign
Customize and review your health information 24/7
Access BCBSTX health advocates and 24/7 member or download the the last four digits of your Social Security number, and your date of birth. You then choose employee, spouse, or adult dependent from the drop-down menu
For help getting started, call the number on the back of
BCBSTX MEMBER WEBSITE AND APP
Nurse Line
Call 800-581-0368 for immediate access to registered nurses who can answer general health questions, make appointments with your doctor, and help determine where to go for immediate or emergency health care services. You can also access an audio library of more than 1,000 health-related topics in both English and Spanish.
Weight Loss
Wondr is a free digital weight loss program that teaches you how to eat your favorite foods and still lose weight, have energy, stress less, and sleep better. Wondr is not a diet plan. There are no points, plans, or calories to
Livongo Health Management Programs
Included with your BCBSTX health plan, Livongo offers free digital programs to help you and your family manage diabetes and hypertension. For diabetes, you’ll receive an advanced glucose meter with real-time feedback, unlimited test strips and lancets, and 24/7 support from Certified Diabetes Educators. The hypertension program provides a wireless blood pressure cuff, personalized coaching, and ongoing monitoring with alerts and reports to help you stay on track—all at no cost to you.
Visit https://get.livongo.com/txhealth/register or call 800-945-4355. Use registration code TXHEALTH .
WELL ONTARGET WELLNESS PROGRAM
When you are healthy, you spend less on doctors and hospitals, you feel better, and you tend to live longer. If you are enrolled in a BCBSTX medical plan, the Well onTarget program offers many ways to help you set and reach your health goals.
Wellness Portal
The Wellness Portal connects you with the entire Well onTarget program.
1. Go to www.bcbstx.com to sign up or log in.
2. Click the Wellness tab.
3. After you sign up, go directly to www.wellontarget.com.
Fitness Program
Get a discounted monthly gym membership – for you and your family (ages 16 and older) – from a nationwide network of thousands of fitness locations. Digital Home Fitness is also available if you prefer to work out at home, and you can get discounts on massage therapists, personal trainers, nutrition counselors, and more.
Get easy-to-learn tips and resources. Choose between educational content and six-week interactive programs that focus on health conditions and how to improve them.
Get one-on-one coaching from health experts – including dietitians, nurses, and personal trainers – to help you set
Design a health and wellness plan that’s right for you.
health-tracking apps and wearable devices. Trackers can
TELEMEDICINE
As a Doosan employee, you have access to quality national telehealth services as part of your medical plan. BCBSTX can provide cost-effective alternatives to visiting a convenient care clinic, urgent care center, or emergency room.
MDLIVE lets you get the care you need – including most prescriptions – for a wide range of minor acute conditions. Now you have access to these board-certified doctors via secure video chat or phone, without leaving your home or office when, where, and how it works best for you.
Telemedicine services should only be used for minor conditions which are not life threatening, such as:
Colds and flu Stomachaches
MDLIVE
Register for MDLIVE so you are ready to use a telehealth service when and where you need it.
Visit www.mdlive.com/bcbstx
Call 888-680-8646
Download the MDLIVE app
HEALTH SAVINGS ACCOUNT
The Health Savings Account (HSA) through HSA Bank is an individual account that lets you save money tax free for health care expenses. The HSA is only available if you enroll in the HDHP.
An HDHP is designed to give you greater control of your health care costs by reducing your premium, but with higher deductibles. A higher deductible means you could pay more out of pocket, but also gives you the ability to control your cost by choosing if/when a doctor visit or procedure is needed. When treatment is necessary, an HSA is designed to mitigate the higher deductible. An HSA is designed to save the money you would have paid for higher health insurance premiums, but instead of giving the money to the insurance company, you put it into your
Employee Contributions
During Open Enrollment, you may choose to contribute your own money to the HSA through pretax payroll deductions. Your annual HSA contributions cannot exceed the IRS statutory limit.
HEALTH SAVINGS ACCOUNT
How an HSA Works with Your HDHP
When you enroll in the HDHP medical plan, an HSA will automatically be opened for you. You can contribute to this account through payroll deductions. When it comes time to access those funds to pay for a qualified medical expense for you, your spouse, or your dependents, you can use your HSA debit card.
It’s Yours — The entire balance of this personal account is yours. You direct your own investments in the HSA and can choose when to use your HSA funds to pay for a qualified medical expense. If you are no longer participating in an HDHP, you may still access
PREVENTIVE CARE
Preventive checkups and screenings can help find illnesses and medical problems early and improve your and your family’s health. As long as you visit a doctor in your BCBSTX health plan’s provider network, your plan will cover preventive screenings and services with no out-of-pocket costs, such as copays and coinsurance – even if you have not met your deductible.
Preventive care services are provided for women, men, and children of all ages. They include annual general wellness exams, recommended vaccines, and screenings for such conditions as diabetes, cancer, or depression.
For Adults
Annual preventive medical history and physical exam.
Just for Women
Aspirin for preeclampsia prevention
Breast cancer screening, genetic testing, and counseling
Breastfeeding support, supplies, and counseling
Certain contraceptives and medical devices, morning after pill, and sterilization to prevent pregnancy
Chlamydia, gonorrhea, syphilis, HIV, and hepatitis B
Screenings related to pregnancy, including screenings for anemia, gestational diabetes, bacteriuria, Rh(D) compatibility, preeclampsia and perinatal depression
PREVENTIVE CARE
For Children
Annual preventive medical history and physical exam.
Screenings
Autism
Cervical dysplasia
Critical congenital heart defect screening for newborns
Depression
Developmental delays
Dyslipidemia (for children at higher risk)
Certain Vaccines
Learn more on immunization recommendations and schedules by visiting www.cdc.gov/vaccines
Diphtheria, Pertussis, Tetanus
Haemophilus influenzae type b (Hib)
Hepatitis A and B
Human Papillomavirus (HPV)
Inactivated Poliovirus (Polio)
Influenza (Flu)
Measles, Mumps, Rubella (MMR)
DENTAL BENEFITS
The Sun Life dental plan encourages preventive care and helps pay the cost of covered services if you or a covered family member need basic, major, or orthodontic care (for children only).
You have the freedom to go to any dentist you choose. You are responsible for meeting a calendar year deductible (except for preventive and orthodontia services), then the plan pays a percentage of covered costs. Benefits are paid at the same percentages whether you go to an in-network or out-of-network provider. However, in-network benefits are based on a negotiated, contracted fee schedule. Outof-network benefits are based on local usual, reasonable, and customary charges. You will be responsible for charges in excess of eligible expenses. If you go to an out-of-
Dental Benefits Summary
VISION BENEFITS
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 a network provider. Coverage is provided through Sun Life using the VSP vision network.
Under this plan, you have access to routine vision care – such as annual exams and hardware – at significantly reduced costs through a national network of contracted vision care providers.
DISABILITY INSURANCE
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We offer Voluntary Short Term Disability (STD) for you to purchase and provide Long Term Disability (LTD) at no cost to you. Coverage is provided through Sun Life.
Voluntary 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, non-work-related injury, or pregnancy. 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.
VOLUNTARY STD INSURANCE
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 Social Security Normal Retirement Age (SSNRA).
LTD INSURANCE
prior to your effective date until you have been covered under this plan for
LIFE AND AD&D INSURANCE
Life and Accidental Death and Dismemberment (AD&D) insurance through Sun Life are important to your financial security, especially if others depend on you for support. 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).
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at one times your salary up to $200,000 for each benefit. You can apply for portable coverage after your employment with Doosan
SUPPLEMENTAL INSURANCE
Critical illness and accidents can happen at any time and when you least expect them. Voluntary Supplemental insurance through Sun Life compliments our medical plans. Choose a high or low plan to best suit you and your family. You and your eligible family members are guaranteed acceptance so long as you are actively at work. Competitive group rates and convenient payroll deduction ensure continuous coverage, and you can take it with you if your employment status changes.
Critical Illness Insurance
Voluntary Critical Illness insurance provides lump-sum cash benefits to help you cover the out-of-pocket expenses associated with a covered critical illness. A valuable supplement to existing medical insurance, Critical Illness insurance can help ease the financial impact of a sudden,
SUPPLEMENTAL INSURANCE
Accident Insurance
Voluntary Accident insurance complements your medical coverage by helping ease the financial impact of an accident. It provides you with a payment to use as you see fit and can help with out-of-pocket expenses incurred as a result of an accident, such as deductibles, copays, transportation to and from medical centers, childcare, and more. This plan provides a lump-sum payment for more than 150 covered events.
ACCIDENT INSURANCE
ADDITIONAL BENEFITS
Sun Life offers the following programs and services at no additional cost to you.
End of Life Planning
Wellthy offers compassionate, expert support to help you and your loved ones plan, manage, and navigate end-of-life care – at no cost through your Sun Life Life Insurance. Services include help with legal and financial planning, hospice and palliative care coordination, funeral and estate arrangements, and emotional support for families, including pregnancy and postpartum loss. Wellthy connects you with trusted providers, organizes essential documents, and guides you every step of the way.
Emergency Travel Assistance
(available if enrolled in Accident coverage)
Assist America provides an emergency travel assistance program that connects you with doctors, hospitals, pharmacies, and other services if you experience an emergency while traveling 100+ miles away from your permanent residence, or if you are in another country.
Scan the QR code to
SPECIAL NOTICES
Women’s Health and Cancer Rights Act of 1998
In October 1998, Congress enacted the Women’s Health and Cancer Rights Act of 1998. This notice explains some important provisions of the Act. Please review this information carefully.
As specified in the Women’s Health and Cancer Rights Act, a plan participant or beneficiary who elects breast reconstruction in connection with a mastectomy is also entitled to the following benefits:
All stages of reconstruction of the breast on which the mastectomy was performed;
Surgery and reconstruction of the other breast to produce a
If you or your dependents lose eligibility under a Medicaid plan or CHIP, or if you or your dependents become eligible for a subsidy under Medicaid or CHIP, you may be able to enroll yourself and your dependents in this plan. You must provide notification within 60 days after you or your dependent is terminated from, or determined to be eligible for, such assistance.
Marriage, Birth or Adoption
If you have a new dependent as a result of a marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, or placement for adoption.
For More Information or Assistance
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to enroll in a Medicare drug plan. Information about where you
If neither you nor any of your covered dependents are eligible dependents, as the case may be. However, you should still keep qualify for coverage under Medicare in the future. Please note,
SPECIAL NOTICES
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage through a Medicare Prescription Drug Plan or a Medicare Advantage Plan that offers prescription drug coverage. All Medicare prescription 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. Doosan Turbomachinery Services, Inc. has determined that the prescription drug coverage offered by the Doosan Turbomachinery Services, Inc. medical plan is, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is considered Creditable Coverage.
If you cancel or lose your current coverage and do not have prescription drug coverage for 63 days or longer prior to enrolling in the Medicare prescription drug coverage, your monthly premium will be at least 1% per month greater for every month that you did not have coverage for as long as you have Medicare prescription drug coverage. For example, if nineteen months lapse without coverage, your premium will always be at least 19% higher than it would have been without the lapse in coverage.
For more information about this notice or your current prescription drug coverage:
Contact the Human Resources Department at Phone
NOTE: You will receive this notice annually and at other times in Medicare prescription drug coverage and if this coverage
For more information about your options under Medicare
prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the mail every year from prescription drug plans. For more information about Medicare
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. . TTY users should
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information
SPECIAL NOTICES
Remember: Keep this Creditable Coverage notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, 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 whether or not you are required to pay a higher premium (a penalty).
January 1, 2026
Doosan Turbomachinery Services, Inc.
Human Resources
12000 N P Street
La Porte, TX 77571
713-364-7500
Notice of HIPAA Privacy Practices
Section 1 – Notice of PHI Uses and Disclosures
Required PHI Uses and Disclosures
Upon your request, the Plan is required to give you access to your PHI in order to inspect and copy it.
Use and disclosure of your PHI may be required by the Secretary of the Department of Health and Human Services to investigate or determine the Plan’s compliance with the privacy regulations. Uses and disclosures to carry out treatment, payment and health care operations.
The Plan and its business associates will use PHI without your authorization to carry out treatment, payment and health care operations. The Plan and its business associates (and any health insurers providing benefits to Plan participants) may also
for purposes related to Plan administration (payment and health care operations); (2) summary health information for purposes of health or stop loss insurance underwriting or for purposes of modifying the Plan; and (3) enrollment information (whether an individual is eligible for benefits under the Plan). The Trustees
health care and related services. It also includes but is not limited
For example, the Plan may disclose to a treating physician the name of your treating radiologist so that the physician may ask
includes but is not limited to actions to make coverage determinations and payment (including billing, claims processing, subrogation, reviews for medical necessity and appropriateness
For example, the Plan may tell a treating doctor whether you are eligible for coverage or what percentage of the bill will be paid by
SPECIAL NOTICES
Health care operations include but are not limited to quality assessment and improvement, reviewing competence or qualifications of health care professionals, underwriting, premium rating and other insurance activities relating to creating or renewing insurance contracts. It also includes case management, conducting or arranging for medical review, legal services and auditing functions including fraud and abuse compliance programs, business planning and development, business management and general administrative activities. However, no genetic information can be used or disclosed for underwriting purposes.
For example, the Plan may use information to project future benefit costs or audit the accuracy of its claims processing
6. When required by law to report information about abuse, neglect or domestic violence to public authorities if there exists a reasonable belief that you may be a victim of abuse, neglect or domestic violence. In which case, the Plan will promptly inform you that such a disclosure has been or will be made unless that notice would cause a risk of serious harm. For the purpose of reporting child abuse or neglect, it is not necessary to inform the minor that such a disclosure has been or will be made. Disclosure may generally be made to the minor’s parents or other representatives although there may be circumstances under federal or state law when the parents or other representatives may not be given access to the minor’s PHI.
The Plan may disclose your PHI to a public health oversight agency for oversight activities required by law. This includes investigations; inspections; licensure or disciplinary actions (for example, to investigate complaints against providers); and other activities necessary for appropriate oversight of government benefit programs (for example, to investigate
The Plan may disclose your PHI when required for judicial or administrative proceedings. For example, your PHI may be disclosed in response to a subpoena or discovery request.
When required for law enforcement purposes, including for the purpose of identifying or locating a suspect, fugitive, material witness or missing person. Also, when disclosing information about an individual who is or is suspected to be a victim of a crime but only if the individual agrees to the disclosure or the Plan is unable to obtain the individual’s
Furthermore, the law enforcement official must represent that the information is not intended to be used against the individual, the immediate law enforcement activity would be materially and adversely affected by waiting to obtain the individual’s agreement and disclosure is in the best interest of the individual as determined by the exercise of the Plan’s
examiner for the purpose of identifying a deceased person, determining a cause of death or other duties as authorized by law. Also, disclosure is permitted to funeral directors, consistent with applicable law, as necessary to carry out
SPECIAL NOTICES
11. When consistent with applicable law and standards of ethical conduct if the Plan, in good faith, believes the use or disclosure is necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public and the disclosure is to a person reasonably able to prevent or lessen the threat, including the target of the threat.
12. When authorized by and to the extent necessary to comply with workers’ compensation or other similar programs established by law.
Except as otherwise indicated in this notice, uses and disclosures will be made only with your written authorization subject to your right to revoke such authorization.
Right to Request Confidential Communications
The Plan will accommodate reasonable requests to receive communications of PHI by alternative means or at alternative locations if necessary to prevent a disclosure that could endanger you.
You or your personal representative will be required to submit a written request to exercise this right.
Such requests should be made to the Plan’s Privacy Official.
Right to Inspect and Copy PHI
You have a right to inspect and obtain a copy of your PHI contained in a “designated record set,” for as long as the Plan maintains the PHI. If the information you request is in an
Includes the medical records and billing records about individuals maintained by or for a covered health care provider; enrollment, management record systems maintained by or for the Plan; or other information used in whole or in part by or for the Plan to make decisions about individuals. Information used for quality control or peer review analyses and not used to make decisions information is maintained off site. A single 30-day extension is
You or your personal representative will be required to submit a written request to request access to the PHI in your designated record set. Such requests should be made to the Plan’s Privacy
If access is denied, you or your personal representative will be denial, a description of how you may appeal the Plan’s decision and a description of how you may complain to the Secretary of
The Plan may charge a reasonable, cost-based fee for copying
SPECIAL NOTICES
Right to Amend PHI
You have the right to request the Plan to amend your PHI or a record about you in your designated record set for as long as the PHI is maintained in the designated record set.
The Plan has 60 days after the request is made to act on the request. A single 30-day extension is allowed if the Plan is unable to comply with the deadline. If the request is denied in whole or part, the Plan must provide you with a written denial that explains the basis for the denial. You or your personal representative may then submit a written statement disagreeing with the denial and have that statement included with any future disclosures of your PHI.
A Note About Personal Representatives
You may exercise your rights through a personal representative. Your personal representative will be required to produce evidence of his/her authority to act on your behalf before that person will be given access to your PHI or allowed to take any action for you. Proof of such authority may take one of the following forms:
1. a power of attorney for health care purposes;
2. a court order of appointment of the person as the conservator or guardian of the individual; or
3. an individual who is the parent of an unemancipated minor child may generally act as the child’s personal representative
vulnerable people who depend on others to exercise their rights under these rules and who may be subject to abuse or neglect.
The Plan is required by law to maintain the privacy of PHI and to provide individuals (participants and beneficiaries) with notice of
This Notice is effective September 23, 2013, and the Plan is required to comply with the terms of this Notice. However, the Plan reserves the right to change its privacy practices and to apply the changes to any PHI received or maintained by the Plan prior to that date. If a privacy practice is changed, a revised version of this Notice will be provided to all participants for whom the Plan still maintains PHI. The revised Notice will be distributed in the same manner as the initial Notice was provided
receive a copy of the Notice or information about any material change and how to receive a copy of the Notice in the Plan’s
Notice will be distributed within 60 days of the effective date of any material change to the Plan’s policies regarding the uses or disclosures of PHI, the individual’s privacy rights, the duties of
another covered entity, the Plan will make reasonable efforts not to use, disclose or request more than the minimum amount of PHI necessary to accomplish the intended purpose of the
SPECIAL NOTICES
use, disclosure or request, taking into consideration practical and technological limitations. When required by law, the Plan will restrict disclosures to the limited data set, or otherwise as necessary, to the minimum necessary information to accomplish the intended purpose.
However, the minimum necessary standard will not apply in the following situations:
1. disclosures to or requests by a health care provider for treatment;
2. uses or disclosures made to the individual;
3. disclosures made to the Secretary of the U.S. Department of Health and Human Services;
You may file a complaint with the Secretary of the U.S. Department of Health and Human Services, Hubert H. Humphrey Building, 200 Independence Avenue SW, Washington, D.C. 20201. The Plan will not retaliate against you for filing a complaint.
Section 5 – Whom to Contact at the Plan for More Information
If you have any questions regarding this notice or the subjects addressed in it, you may contact the Plan’s Privacy Official. Such questions should be directed to the Plan’s Privacy Official at:
Doosan Turbomachinery Services, Inc. Human Resources 12000 N P Street
Premium Assistance Under Medicaid and the Children’s Health Insurance Program
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
State Medicaid or CHIP office to find out if premium assistance
SPECIAL NOTICES
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.
Continuation of Coverage Rights Under COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Doosan Turbomachinery Services, Inc. group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Doosan Turbomachinery Services, Inc. plan after you have left employment with the company. If you wish to elect COBRA coverage, contact your Human Resources Department for the applicable deadlines to elect coverage and pay the initial premium.
Plan Contact Information
surgical center, you are protected from surprise billing or balance
coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health
SPECIAL NOTICES
“Out-of-network” describes providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-ofnetwork provider.
You are protected from balance billing for:
When balance billing is not allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
Your health plan generally must:
Cover emergency services without requiring you to get approval for services in advance (prior authorization).
Cover emergency services by out-of-network providers.
Base what you owe the provider or facility (costsharing) on what it would pay an in-network provider or facility and show that amount in your explanation of
Count any amount you pay for emergency services or
This brochure highlights the main features of the Doosan 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. Doosan reserves the right to change or discontinue its employee benefits plans anytime.
