EMPLOYEE BENEFITS GUIDE
WELCOME
We are pleased to offer a full benefits package to help protect your well-being and financial health. Read this guide to learn about the benefits available to you and your eligible dependents starting December 1, 2025.
Each year during Open Enrollment, you may make changes to your benefit plans. The benefit choices you make this year will remain in effect through November 30, 2026. Take time to review these benefit options, and select the plans that best meet your needs. After Open Enrollment, you may only make changes to your benefit elections if you have a Qualifying Life Event.
Availability of Summary Health Information
Your plan offers three health coverage options. To help you make an informed choice and compare your options, a Summary of Benefits and Coverage (SBC) for each health plan is available in ADP Workforce Now or by contacting Human Resources.
WHAT ’S INSIDE
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, federal law gives you more choices for your prescription drug coverage. Please scan the code for more details.
The Fine Print
The information contained in this summary should in no way be construed as a promise or guarantee of coverage. Layne Glass Company reserves the right to modify, amend, suspend, or terminate any plan at anytime for any reason. If there is a conflict between the information in this brochure and the actual plan documents or policies, the documents or policies will always govern. You can view the plan documents in ADP.
Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies, and plan documents available from the Layne Glass Company Benefits team. This guide highlights recent plan design changes and is intended to fully comply with the requirements under the Employee Retirement Income Security Act (ERISA), as a Summary of Material Modifications should be kept with your most recent Summary Plan Description (SPD).
Eligibility
You are eligible for benefits if you are a regular, full-time employee working an average of 30 hours per week. Your coverage is effective on the first of the month following your date of hire. You may also enroll eligible dependents for benefits coverage. The cost for coverage depends on the number of dependents you enroll and the benefits you choose. When covering dependents, you must select and be on the same plans.
Eligible Dependents Include
Your legal spouse
Children under the age of 26 regardless of student, dependency, or marital status
Children over the age of 26 who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return
Qualifying Life Events
Once you elect your benefit options, they remain in effect for the entire plan year until the following Open Enrollment. You may only change coverage during the plan year if you have a Qualifying Life Event, some of which include:
Qualifying Life Events Include
Marriage, divorce, legal separation, or annulment
Birth, adoption, or placement for adoption of an eligible child
Death of your spouse or child
Change in your spouse’s employment status that affects benefits eligibility
Change in your child’s eligibility for benefits
Significant change in benefit plan coverage for you, your spouse, or child
FMLA leave, COBRA event, court judgment, or decree
Becoming eligible for Medicare, Medicaid, or TRICARE
Receiving a Qualified Medical Child Support Order (QMCSO)
If you have a Qualifying Life Event and want to change your elections, you must notify Human Resources and complete your changes within 30 days of the event. You may be asked to provide documentation to support the change. Contact Human Resources for details.
Employee Response Center
Employee benefits can be complicated. The Higginbotham Employee Response Center can assist you with the following:
Enrollment
Benefits information
Claims and billing questions
Eligibility issues
Call 866-419-3518 to speak with a representative Monday through Friday from 7:00 a.m. to 6:00 p.m. CT. If you leave a voicemail message after 3:00 p.m. CT, your call will be returned the next business day.
Email questions or requests to helpline@higginbotham.net
Bilingual representatives are also available.
Support for Employees and Managers
You have access through ADP to MyLife Advisors, real people who can help with registration as well as benefit plan information, direct deposit, tax withholdings, pay statements, time cards, W2s, and more. Support is available 24/7 through https://workforcenow.adp.com and 8:00 a.m. to 11:30 p.m. ET at 855-547-8508 or by email at mylifeadvisor@adp.com. You can also download the ADP Mobile Solutions app.
ADP WORKFORCE NOW ENROLLMENT INSTRUCTIONS
Before you get started:
Managing your benefits online is easy through ADP. Begin and update your enrollment and find benefit details, costs, and additional resources in one easily accessible place.
01 REGISTER
Step 1: Go to https://workforcenow.adp.com.
Step 2: Select Start this Enrollment. Next, click Enroll Now in the Open Enrollment box. Once you read the Welcome Note and Introduction, click Continue
Step 3: Add your dependent or beneficiary information before starting your benefit selections.
02 Make your elections – The left side of the screen shows available plan types. When you are viewing the selected plan type, all enrollment options will be displayed on-screen.
Step 1: Choose your plan
Click Select Plan for the plan you want, or select Waive This Benefit. If you chose to waive a benefit, you will be required to select a reason for waiving.
You may review your costs on a Per Pay Period, Monthly, or Annual basis by selecting the desired view in the calculator drop down.
Step 2: Choose whom to enroll
Indicate Which Dependents Should be Enrolled (Employee Only, Employee + Spouse, Employee + Children, Employee + Family). Click Continue to preview.
Review your enrollment, costs, and covered dependents carefully. Then click Save and Continue to Next Benefit to continue making your desired selections until the Continue to Summary button is activated.
03 Review all your selections and submit – Click Submit Enrollment. Please note that your benefit elections will not be processed until you click Submit Enrollment. If you select Save for Later, these enrollments will not be submitted to your HR team until you fully submit the enrollment. Please ensure you receive the confirmation note indicating your elections have been submitted.
04 Make any changes or during the Open Enrollment period – You may log in and navigate to Myself > Benefits > Enrollments and click the Enroll Now option again in the Open Enrollment box to make any desired election changes.
MEDICAL COVERAGE
The medical plan options through Blue Cross Blue Shield of Texas (BCBSTX) protect you and your family from major financial hardship in the event of illness or injury. You have a choice of three plans:
HMO Plan – This HMO plan has a $5,000 individual deductible and a $14,700 family deductible. It uses the Blue Advantage HMO network, which is in Texas only.
HDHP/HSA Plan – This HDHP plan has a $5,000 individual deductible and a $10,000 family deductible. It uses the Blue Choice PPO network.
PPO Plan – This PPO plan has a $5,000 individual deductible and a $14,700 family deductible. It uses the Blue Choice PPO network.
Health Maintenance Organization
With a Health Maintenance Organization (HMO) plan, you must seek care from in-network providers in the HMO network. The selection of a primary care physician is required, and you need a referral to see a specialist. Always confirm that your doctors and specialists are in-network before seeking care.
High Deductible Health Plan
A High Deductible Health Plan (HDHP) allows you to see any provider when you need care, and you will pay less when you go to in-network providers. In exchange for a lower per-paycheck cost for medical benefits, you must satisfy a higher plan deductible that applies to almost all health care expenses, including prescription drugs. If you enroll in the HDHP, you may be eligible to open a Health Savings Account.
Traveling Outside Texas with the HMO
Your BCBSTX HMO plan connects you to a statewide network of providers in Texas. However, if you are traveling out of state, you still have options for care:
1. For urgent care while traveling, the BlueCard program gives you access to affiliated doctors and hospitals nationwide.
2. If you are out of state for 90 days or longer, you may qualify for the Away from Home Care program, which lets you access care through a participating Blue Cross Blue Shield HMO in your temporary location.
Preferred Provider Organization
A Preferred Provider Organization (PPO) plan allows you to see any provider when you need care. When you see in-network providers, you will pay less and get the highest level of benefits. You will pay more for care if you use out-of-network providers. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other services are covered at the deductible and coinsurance level.
Find an In-Network Provider
Visit www.bcbstx.com Call 800-521-2227
Download the BCBSTX app.
PREVENTIVE CARE SCREENING BENEFITS
You take your car in for maintenance, so why not do the same for yourself?
Annual preventive checkups can help you and your doctor identify your baseline level of health and detect issues before they become serious.
What is Preventive Care?
Health insurers are required by law to cover a set of preventive services at no cost to you, even if you have not met your yearly deductible. The preventive care services you will need to stay healthy vary by age, sex, and medical history.
Visit https://www.cdc.gov/index.html for recommended guidelines.
Typical Screening for Adults
Blood pressure
Cholesterol
Diabetes
Colorectal cancer
Depression
Prostate cancer
Testicular exam
Mammograms
OB/GYN screening
MEDICAL PLAN SUMMARIES
1The
BCBS TX 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
Get tips to live and eat healthier
To get started, log in at www.bcbstx.com and use the information on your BCBSTX ID card to complete the registration process.
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.
Member Rewards
Member Rewards offers you cash rewards when you use the Provider Finder tool on the member website to choose the lower-cost, quality option for your health care.
1. Visit www.bcbstx.com, register or log in to Blue Access for Members, and select Find Care
2. Shop and compare costs and quality for screenings, scans, surgeries, and more.
3. Get the procedure or service at a reward-eligible location.
4. Receive a cash reward by check, mailed directly to your home, after the claim is paid and the location is verified as reward-eligible.
If you have questions, call the number on the back of your member ID card.
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.
BCBS TX PHARMACY COVERAGE
If you are enrolled in a BCBSTX medical plan, your pharmacy coverage uses Prime Therapeutics
You can keep your prescription drug costs down if you:
Fill your prescriptions at an in-network pharmacy
Ask your doctor if a generic drug is an option
Get up to a 90-day supply of covered drugs used regularly through Express Scripts
Use the Accredo specialty pharmacy service for specialty drugs
Pharmacy Websites and Apps
Go to www.myprime.com or www.bcbstx.com –or download the PrescriptionHub app or the BCBSTX app – to:
Find nearby network pharmacies
Look up drugs and costs
Home Delivery Pharmacy Service
Express Scripts provides a convenient, cost-effective way to receive up to a 90-day supply of prescription drugs. Set up home delivery and have your prescriptions delivered right to where you are.
Ordering Options
Online – Sign up at www.express-scripts.com/rx. You can also log in to www.myprime.com and follow the links to Express Scripts Pharmacy
Mobile – Download the Express Scripts app or the PrescriptionHub app
Phone – Call 833-715-0942 and have your member ID card and your Rx ready.
Mail – Visit www.bcbstx.com and log in to Blue Access for Members. Complete the mail order form and send it with your Rx and payment to Express Scripts.
Doctor – Ask your doctor to fax, call, or email your Rx to Express Scripts for you.
Home Delivery Refills
Refill dates are shown on each prescription label. You can choose to have Express Scripts Pharmacy remind you by phone or email when a refill is due. Choose the reminder option that best suits you.
Questions?
Visit www.bcbstx.com or call the phone number listed on your member ID card
BCBS TX PHARMACY COVERAGE
Specialty Pharmacy Services
If you have a chronic condition, Accredo can help you with your specialty prescriptions. Accredo offers free home delivery, online delivery tracking, and 24/7 support with your specialty prescription order.
How to Order
1. Call 833-721-1619 to register. A representative will work with your doctor on the rest.
2. After you register, go to www.accredo.com or download the Accredo app
3. Before your scheduled fill date, someone will contact you to:
» Confirm your drugs, dose, and the delivery location.
» Check any prescription changes your doctor may have ordered.
» Talk about any changes in your condition or answer any questions about your health.
Specialty Pharmacy Support
Accredo gives one-on-one counseling to help you with your treatment goals, manage any side effects, stick to your regimen, and monitor your progress. Accredo can also help with any financial or insurance concerns you may have. Visit www.accredo.com or call 833-721-1619
Pharmacy Care Management
The BCBSTX Pharmacy Care Management team reviews prescription claims. If the team thinks that a drug you are using is complicated, a team member may call to discuss with you:
Harmful drug interactions
Specific drug requirements
Cost concerns
Remember: Always ask your doctor about your prescriptions. If you have benefits questions, log in at www.bcbstx.com or call the number on the back of your ID card.
GoodRx
Prescription drug prices are not regulated and can vary greatly between pharmacies. GoodRx allows you to view prices and find coupons, discounts, and savings tips. Visit www.goodrx.com to print coupons or get the GoodRx app to display the coupon on your phone.
GoodRx is a free service, so you do not have to create an account to search for prices and receive discounts. If you do create an account, you can store your prescription list for ease of use in the future.
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
Mobile App
Download the AlwaysOn app to access the Wellness Portal on your phone.
Blue Points Program
The Blue Points program lets you rack up points and reward yourself – with electronics, sporting goods, clothes, and charity donations –for your healthy habits.
BLUE POINTS PROGRAM
10 points per day
(up to 70 points per week)
55 points per day
250 points per month
300 points per week
1,000 points per quarter
Track your progress toward your goals in the Wellness Portal.
Track your progress using a synced fitness device or app.
Complete any self-management program progress check-in.
Add weekly fitness program gym visits to your routine.
Complete a self-management program.
2,500 points every six months Complete your health assessment.
2,500 points
2,675 points
Health Assessment
Enroll in the Fitness Program.
Connect a compatible fitness device to the portal.
Answer questions about diet, physical activity, tobacco use, and emotional health and get a personalized health report and plan.
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.
Digital Self-management Programs
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.
Wellness Coaching
Get one-on-one coaching from health experts – including dietitians, nurses, and personal trainers – to help you set and achieve your goals. Coaches can:
Help you quit tobacco or stay tobacco-free.
Help you improve your physical fitness, nutrition, blood pressure, or cholesterol.
Design a health and wellness plan that’s right for you.
Tools and Trackers
Get integrated trackers to help you monitor your health and wellbeing. You can sync them to popular health-tracking apps and wearable devices. Trackers can help with:
Weight
Blood pressure
Tobacco use
Water intake
Physical activity
Sleep
BCBST X WELLNESS RESOURCES
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 count. It teaches you skills to know how and when you eat and improve your long-term health. Enroll at https://wondrhealth.com/BCBSTX or download the Wondr app
Reversing Type 2 Diabetes
Twin Health offers a revolutionary program that helps reverse type 2 diabetes by treating the root cause: metabolic dysfunction. Members wear simple health trackers like a continuous glucose monitor and activity sensor to receive real-time, personalized guidance on sleep, nutrition, activity, and more. This approach –tailored to your individual lifestyle with a support team – improves mood, energy, and long-term health. Many have reversed type 2 diabetes in six months, with major reductions in A1C and medication use.
Visit www.twinhealth.com
Email support@twinhealth.com
Diabetes Management
Livingo by Teladoc Health can help you manage your type 1 or type 2 diabetes with:
Advanced blood glucose meter – Safely track readings with instant feedback and real-time alerts to loved ones when levels are too high or low.
Unlimited strips and lancets – Teladoc Health automatically ships free refills to your home or office.
24/7 tips and support – Connect anytime with certified diabetes educators for guidance or out-of-range readings.
Maternity Support
BCBSTX plans cover pregnancy and maternity care, including delivery and hospital stay. Enjoy free ACA-mandated services such as prenatal checkups, screenings, breastfeeding support, and a breast pump with supplies – no copay or deductible required.
Special Beginnings supports you from early pregnancy until six weeks after delivery.
Online prenatal classes
Support from a dedicated service coordinator before and after your baby is born
24-hour Nurse Advice Line (844-971-8906)
It is free, easy, and confidential. Call 888-421-7781 to enroll or get more details.
Mental Health Resources
BCBSTX medical plans include coverage and support for mental and emotional well-being, including counseling for anxiety, depression, addiction, and more.
Mental Health Hub – Access 200+ topics, assessments, and personalized resources for issues like stress, resilience, relationships, and parenting. Visit www.bcbstx.com or download the BCBSTX app
Employee Assistance Program – Get three free sessions for stress, personal challenges, or work/life balance. Visit www.guidanceresources.com (Web ID: TXEAP), call 844-213-8968, or download the GuidanceNow app
Wellness Discounts
Blue365 can help you save money on health and wellness products and services not covered by insurance. There are no claims to file, and you do not need a referral or preauthorization. Sign up for Blue365 at www.blue365deals.com/bcbstx to receive weekly featured deals by email. Discount categories include:
Apparel and footwear
Fitness
Get Started with a Free Welcome Kit
Visit https://join.livongo.com/BCBSTX/hi.
Call 800-945-4355
Use registration code: BCBSTX
Hearing and vision
Home and family
Nutrition
Personal care
EXTR A BENEFITS PACKAGE
Layne Glass Company is pleased to offer an extra benefits package through New Benefits. The following combined services are FREE to you – paid for by Layne Glass Company – and cover your entire family.
Teladoc
24/7 access to a doctor by phone or online video consult. This telemedicine service is FREE and should be used for the treatment of common, non-emergency medical conditions such as allergies, cold and flu, rashes, urinary tract infections, bronchitis, and earaches.
Doctors Online
Doctors Online makes it fast and easy to get trustworthy health information and advice. Doctors, pharmacies, psychologists, dentists, dieticians, and more are available 24/7 via email or app.
Pharmacy
Save 10% to 85% on most prescriptions at thousands of pharmacies. Simply present your card to save an average of 46% at locations nationwide.
Telephonic EAP
Telephonic EAP provides effective professional counseling and work/life support by phone to help you cope with the ups and downs of life. This service can help you manage depression, family conflicts, substance abuse, debt, or finding services for your children or elderly parents.
How to Register with New Benefits
1. Create your account on the app or web portal – one login works for both.
2. Use Group ID: NFP778 and your Member ID from your membership card.
3. Enter your email. Your email becomes your username.
4. Add your mobile number and create a password.
5. Verify your account using the code sent by text or email.
Online Wellness
Online Wellness features tools to help you lose weight, get fit, eat healthier, quit tobacco, reduce stress, manage certain health conditions, and reach other health goals.
Fitness Advantage
Fitness Advantage gives you access to discounted rates at thousands of fitness centers including chains and local clubs. You can try each club free for one week to find the best fit for you, and then get a reduced rate when you are ready to join.
Diabetic Supplies
Get 60% off average retail prices, free shipping on all packages, and an extra 15% off any single order item.
Vitamins
Vitacost helps you find the best prices online from the most trusted brands of vitamins, supplements, health foods, sports nutrition, and wellness products. Get an additional 10% off already low prices on products for you, your family, and even your pets.
Access these free benefits now! Visit https://memberportal.newbenefits.com/login
Download the New Benefits app or the My Benefits Work app Scan to download the app.
TELEMEDICINE
We offer telemedicine services through Teladoc Health via New Benefits and MDLIVE . Connect anytime day or night with a boardcertified doctor via your mobile device or computer for the same or lower cost than a visit to your regular physician.
When to Use Telemedicine
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
Use telemedicine services for minor conditions such as:
Sore throat
Headache
Stomachache
Cold/Flu
Allergies
Fever
Urinary tract infections
Do not use telemedicine for serious or life-threatening emergencies.
Telemedicine Costs
Teladoc Health via New Benefits
$0
MDLIVE
HMO and PPO Plans: $45 or same price as an office visit
HDHP/HSA Plan: $48
Register with Teladoc Health via New Benefits
Visit https://www.newbenefits.com/contact
Download the New Benefits app
Register with MDLIVE
Visit www.mdlive.com/bcbstx and set up an account. Call 888-680-8646.
Download the MDLIVE app.
HEALTH CARE OPTIONS
Becoming familiar with your options for medical care can save you time and money.
NON - EMERGENCY CARE
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
Telemedicine
Generally, the best place for routine preventive care; established relationship; able to treat based on medical history
Office hours vary
Office
Retail Clinic
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
Allergies
Cough/cold/flu
Rash
Stomachache
Urgent Care
EMERGENCY CARE
When you need immediate attention; walk-in basis is usually accepted
Generally includes evening, weekend and holiday hours
Infections
Sore and strep throat
Vaccinations
Minor injuries, sprains and strains
Common infections
Minor injuries
Pregnancy tests
Vaccinations
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
Hospital 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
Chest pain
Difficulty breathing
Severe bleeding
Blurred or sudden loss of vision
Major broken bones
Most major injuries except trauma
Severe pain
Freestanding ER
2-5 minutes
15 minutes
Minimal
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.
Doctor’s
DENTAL COVERAGE
Our dental plans through Guardian help you maintain good oral health through affordable options for preventive care, including regular checkups and other dental work.
Base Plan – When you see an in-network provider, you will get the highest level of benefits. Reimbursement for covered services received from an out-of-network dentist will be based on a percentile of the prevailing fee data for the dentist’s ZIP code.
Buy-Up Plan – When you see an in-network provider, you will get the highest level of benefits. If you go out-of-network, reimbursement for covered services will be based on Guardian’s fee schedule.
Dental Plan Summary
Type B – Basic Restorative Fillings, Perio Maintenance Procedure, Periodontal Services, Periodontal Surgery, Endodontic Services (e.g., Root Canal)
Type C – Major Restorative Bridges, Dentures, Single Crowns, Simple Extractions, Complex Extractions, Repair & Maintenance of Crowns, Bridges & Dentures, General Anesthesia, Inlays, Onlays & Veneers, TMJ
Type D – Orthodontia Children to age 19
1 Payment Value Plan: All benefits are paid based on the discounted contracted fees. So, when you seek in-network care, you receive our regular contracted savings. If you choose to seek out-of-network care, you still receive benefits. However, you may be responsible for the difference between the discounted contracted fees and the outof-network dentist’s regular fee for the services that are performed.
2 Out-of-network benefits are based on Guardian’s 90th percentile schedule. By using an in-network dentist you will receive our significant contracted discounts resulting in lower out-of-pocket expenses.
Find an In-Network Dentist
Look for Guardian DentalGuard Preferred network providers. Visit www.guardiananytime.com. Group Number: 00073008 Call 888-600-9200
Maximum Rollover Program
If you enroll in either of our dental plans, you will automatically be enrolled in the Guardian Maximum Rollover Program. This program rewards you for going to the dentist regularly to prevent or detect the early signs of serious diseases. If you submit a claim (without exceeding the paid claims threshold of a benefit year), Guardian will roll over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan’s annual maximum is reached. View your MRA statement at www.guardiananytime.com.
VISION COVERAGE
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 in-network providers. Coverage is provided through Guardian
Vision Plan Summary
Lined Trifocal
Lenticular
Contact Lenses (in lieu of eyeglasses)
Fitting and Evaluation
Elective
Necessary
EMPLOYEE CONTRIBUTIONS
Layne Glass Company knows how important good benefits are to you and your family. We strive to attract and retain the best talent, which is why offering high-quality benefits programs that provide choice, flexibility, and financial protection remains among our highest priorities. We are committed to continuing to pay the large majority of employee’s medical premiums. Layne Glass Company will be contributing 75% of the employee-only premium for those who choose any of our medical plans. Layne Glass Company will also contribute $500 annually to the HSA. The $500 annual amount rolls over and can be used for medical expenses.
MEDICAL CONTRIBUTIONS
DENTAL CONTRIBUTIONS
VISION CONTRIBUTIONS
HEALTH SAVINGS ACCOUNT
A Health Savings Account (HSA) is a tax-exempt tool to supplement your retirement savings and to cover current and future health costs. An HSA is a type of personal savings account that is always yours even if you change health plans or jobs. The money in your HSA (including interest and investment earnings) grows tax-free and spends tax-free if used to pay for current or future qualified medical expenses. There is no “use it or lose it” rule — you do not lose your money if you do not spend it in the calendar year — and there are no vesting requirements or forfeiture provisions. The account automatically rolls over year after year.
HSA Eligibility
You are eligible to open and contribute to an HSA if you are:
Enrolled in an HSA-eligible HDHP (the HDHP/HSA Plan)
Not covered by another plan that is not a qualified HDHP, such as your spouse’s health plan
Not enrolled in a Health Care Flexible Spending Account
Not eligible to be claimed as a dependent on someone else’s tax return
Not enrolled in Medicare, Medicaid, or TRICARE
Not receiving Veterans Administration benefits
You can also use HSA funds to pay health care expenses for your dependents, even if they are not covered by the HDHP.
Maximum Contributions
Your HSA contributions may not exceed the annual maximum amounts established by the Internal Revenue Service (IRS). The 2026 annual contribution maximums are based on the coverage option you elect:
2026 HSA CONTRIBUTIONS
You decide whether to use the money in your account to pay for qualified expenses or let it grow for future use. If you are age 55 or older, you may make a yearly catch-up contribution of up to $1,000 to your HSA. If you turn 55 at anytime during the plan year, you are eligible to make the catch-up contribution for the entire plan year.
You will be charged an administrative fee of $2.50 a month for your HSA.
Opening an HSA
If you meet the eligibility requirements, you may open an HSA administered by HSA Bank . You will receive a debit card to manage your HSA account reimbursements. Keep in mind, available funds are limited to the balance in your HSA. To open an account, go to www.hsabank.com
Important HSA Information
Always ask your network doctor to file claims with your medical, dental, or vision carrier so you will get the highest level of benefits. You can pay the doctor with your HSA debit card for any balance due.
You, not your employer, are responsible for maintaining ALL records and receipts for HSA reimbursements in the event of an IRS audit.
You may open an HSA at the financial institution of your choice, but only accounts opened through HSA Bank are eligible for automatic payroll deduction.
Abbreviated List of Qualified HSA Expenses
The products and services listed below are examples of medical expenses eligible for payment under your HSA. This list is not all-inclusive; additional expenses may qualify, and the items listed are subject to change in accordance with IRS regulations. Please refer to IRS Publication 502 Medical and Dental Expenses at www.irs.gov for a complete description of eligible medical and dental expenses.
Abdominal supports
Acupuncture
Air conditioner (when necessary for relief from difficulty in breathing)
Alcoholism treatment
Ambulance
Anesthetist
Arch supports
Artificial limbs
Autoette (when used for relief of sickness/disability)
Blood tests
Blood transfusions
Braces
Cardiographs
Chiropractor
Contact lenses
Convalescent home (for medical treatment only)
Crutches
Dental treatment
Dental X-rays
Dentures
Dermatologist
Diagnostic fees
Diathermy
Drug addiction therapy
Drugs (prescription)
Elastic hosiery (prescription)
Eyeglasses
Fees paid to health institute prescribed by a doctor
FICA and FUTA tax paid for medical care service
Fluoridation unit
Guide dog
Gum treatment
Gynecologist
Healing services
Hearing aids and batteries
Hospital bills
Hydrotherapy
Insulin treatment
Lab tests
Lead paint removal
Legal fees
Lodging (away from home for outpatient care)
Metabolism tests
Neurologist
Nursing (including board and meals)
Obstetrician
Operating room costs
Ophthalmologist
Optician
Optometrist
Oral surgery
Organ transplant (including donor’s expenses)
Orthopedic shoes
Orthopedist
Osteopath
Oxygen and oxygen equipment
Pediatrician
Physician
Physiotherapist
Podiatrist
Postnatal treatments
Practical nurse for medical services
Prenatal care
Prescription medicines
Psychiatrist
Psychoanalyst
Psychologist
Psychotherapy
Radium therapy
Registered nurse
Special school costs for the handicapped
Spinal fluid test
Splints
Surgeon
Telephone or TV equipment to assist the hard-of-hearing
Therapy equipment
Transportation expenses (relative to health care)
Ultraviolet ray treatment
Vitamins (if prescribed)
Wheelchair
X-rays
LIFE AND AD&D INSURANCE
Life and Accidental Death and Dismemberment (AD&D) insurance through Guardian 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 35% at age 65 and 50% at age 70.
Basic Life and AD&D
Basic Life and AD&D insurance are provided at no cost to you. You are automatically covered at $15,000 for each benefit.
BASIC LIFE AND AD&D
$15,000 – Under age 70; age 70 and above, the lesser of $15,000 or the amount with the
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 anytime. If you name more than one beneficiary, you must identify how much each beneficiary will receive (e.g., 50% or 25%).
Conversion – Portability –Waiver of Premium
Upon termination of employment, you have the option to continue your company-paid Life and AD&D insurance and pay premiums directly to Guardian. Your company-paid Life and AD&D insurance may be converted to individual policies. Portability is available for Life coverage if you are enrolled in additional Life coverage. Portability is not available for AD&D. If you are disabled at the time your employment is terminated, you may be eligible for a Waiver of Premium while you are disabled. Contact the Human Resources Department for a Conversion, Portability, or Waiver of Premium application.
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
Employee
Spouse
Child(ren)
New hire Guaranteed Issue $100,000 under age 70; $10,000 age 70 or above
Increments of $5,000 up to $100,000 not to exceed 100% of your election
New hire Guaranteed Issue $25,000 under age 70; $10,000 age 70 or above
Birth to 14 days – $1,000
14 days to age 26 – $10,000 not to exceed 100% of your election
Guaranteed Issue $10,000
DISA BILITY INSURANCE
Disability insurance provides partial income protection if you are unable to work due to a covered accident or illness. We offer Short Term Disability (STD) insurance for you to purchase 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 job-related injury or illness. If a medical condition is job-related, it is considered under Workers’ Compensation, not STD.
Note: There is an unpaid 14-day elimination period before your STD benefits begin.
SHORT TERM DISABILITY BENEFITS
*Benefits may not be paid for any condition treated within 3 months prior to your effective date until you have been covered under this plan for 6 months.
SUPPLEMENTAL BENEFITS
You and your eligible family members have the opportunity to enroll in additional coverage that complements our traditional health care programs. Health insurance covers medical bills, but if you have an emergency, you may face unexpected out-of-pocket costs such as deductibles, coinsurance, travel expenses, and non-medical expenses. These voluntary plans are offered through Guardian and are portable.
Accident Insurance
Accident insurance provides affordable protection against a sudden, unforeseen accident. The Accident plan helps offset the direct and indirect expenses resulting from an accident such as copayments, deductibles, ambulance, physical therapy, and other costs not covered by traditional health plans.
Critical Illness Insurance
Critical Illness insurance helps pay the cost of non-medical expenses related to a covered critical illness or cancer. The plan provides a lump sum benefit payment to you upon first and second diagnosis of any covered critical illness or cancer. The benefit can help cover expenses such as lost income, out-of-town treatments, special diets, daily living, and household upkeep costs.
$10,000 to $20,000 in
to $10,000 in increments of $5,000 up to 50% of the employee benefit
Sum Injuries
Dislocations, burns, ruptured discs, eye injuries, fractures, lacerations, concussions, etc.
Aneurysm, Coronary Artery Bypass, Pacemaker, Stroke (moderate), Addison’s Disease, Myasthenia Gravis
3-month look-back period, 6 months treatment-free/12-month exclusion period, Continuity of Coverage
Note: Attained Age; Spouse rate based on employee age.
SUPPLEMENTAL BENEFITS
Hospital Indemnity Insurance
Hospital Indemnity insurance helps you with the high cost of medical care by paying you a set amount when you have an inpatient hospital stay. Unlike traditional insurance, which pays a benefit to the hospital or doctor, this plan pays you directly based on the care or treatment that you receive. These costs may include meals and transportation, childcare, or time away from work due to a medical issue that requires hospitalization.
HOSPITAL INDEMNITY INSURANCE GUARDIAN PLAN
Hospital/ICU Admission
Hospital/ICU Confinement
$1,000 per admission to a max of 2 admissions per year
$100/$200 per day up to 30 days per year
Dependent Age Limits Child birth to 26 years (if full-time student)
Pre-existing Condition Limitation
3-month look-back period, 6 months treatment-free/12-month exclusion period, continuity of coverage HOSPITAL INDEMNITY
EMPLOYEE ASSISTANCE PROGRAMS
We offer two Employee Assistance Programs (EAPs) from ComPsych (through both BCBSTX and Guardian), which can help you and family members cope with a variety of personal or work-related issues. These programs provide 24/7 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
Childcare and eldercare resources
Substance abuse
For More Information
Call 800-697-7315
Visit https://workforcenow.adp.com, click on Resources, then My Tools, and select EAP
For More Information
Visit www.guidanceresources.com
Call 844-213-8968 with BCBSTX or 855-239-0743 with Guardian
Download the GuidanceNow app
Use BCBSTX Web ID: TXEAP or Guardian Web ID: Guardian
ADDITIONAL BENEFITS
Tobacco Cessation Program
If you are enrolled in a Guardian dental plan (and at least 15 years old), the Guardian + Pelago tobacco cessation program can help you quit smoking, using tobacco, or vaping – for good. This program, available at no cost to you, has a high success rate and offers:
Qualified coaches to help guide you through your recovery journey
Tracking tools to track your triggers, cigarettes smoked, dollars saved, and health progress
Audio lessons and exercises to teach you how to deal with cravings
Support tools to manage cravings and reach your goals
Gum and patches to manage and reduce cravings (if you need them)
Global Emergency Assistance Services
Assist America provides travel assistance for you and your dependents if you are traveling on any single trip more than 100 miles from home. Contact a representative to get trip planning assistance; translation, interpreter, or legal services; lost baggage assistance; emergency funds; document replacement; medical emergency help; and more. Services are available for business and personal travel.
For 24/7 Live Assistance
Call
855-239-0743 TRS: Dial 711
Visit www.GuidanceResources.com
Web ID: Guardian
Online Will Preparation
EstateGuidance provides online tools to help you prepare the documents necessary to preserve your family’s financial security. The range of services include the following:
A customized will at no cost to you
Have your will printed and sent to you – $14.99
Draft a living will – $14.99
Draft final arrangements document – $9.99
For More Information
Call 855-239-0743 TRS: Dial 711
Visit www.GuidanceResources.com
Web ID: Guardian
Download the App: GuidanceNow
LifeMart Discount Program
The LifeMart discount program by ADP offers deals on nationally recognized products and services such as childcare, electronics, entertainment, hotels, groceries, restaurants, home, auto, travel, and pets. Visit https://workforcenow.adp.com, click on Resources, then My Tools, then Bullet Board, and finally Your Employee Discounts You can also download the LifeMart mobile app
IMPORTANT CONTACTS
https://memberportal.newbenefits.com/login www.mdlive.com/bcbstx
2026 Legal Notices
Scan this code to read the 2026 legal notices for this benefits guide.
This brochure highlights the main features of the Layne Glass Company 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. Layne Glass Company reserves the right to change or discontinue its employee benefits plans anytime.
