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 see page 17 for more details.
We know you work hard every day to achieve your personal and professional goals. Since your health and wellness are key to meeting these goals, we are pleased to offer a comprehensive benefits package that supports your health, mind, and body. May you always be Working Toward Wellness!
Your plan offers medical coverage options. To help you make an informed choice, review each plan’s Summary of Benefits and Coverage (SBC), available in the Employee Navigator Online Portal or with Human Resources.
Contacts
https://participant.empower-retirement.com Group # 533821-01
How to Enroll Online
To begin the enrollment process, go to www.employeenavigator.com
First-time users: Follow steps 1-4 Returning users: Log in and start at step 5.
1. First-time users: Click on the New User Registration link. Once you register, you will use your username and password to log in.
2. Enter your personal information and Company Identifier of MeasInc and click Next
3. Create a username (work email address recommended) and password, then check the I agree to terms and conditions box before you click Finish
4. If you used an email address as your username, you will receive a validation email to that address. You may now log in to the system.
5. Returning users: Click the Start Enrollment button to begin the enrollment process.
6. Confirm or update your personal information and click Save & Continue
7. Edit or add dependents who need to be covered on your benefits. Once all dependents are listed, click Save & Continue
8. Follow the steps on the screen for each benefit to select or decline coverage. To decline coverage, click Don’t want this benefit? and select the reason for declining.
9. When you finish making your benefit elections, review your selections. If correct, click the Click to Sign button to complete and submit your enrollment choices.
Eligibility
Who is Eligible for Benefits
If you are a full-time employee working 30 or more hours per week, you are eligible to enroll in the benefits described in this guide on the first of the month following 30 days of service. Eligible dependents include your legally married spouse and dependent children.
Dependent children are eligible for all lines of coverage up to age of 26, regardless of full-time student status.
New Hires
If you are enrolling as a new hire outside of the Open Enrollment period, benefits are effective first of the month following 30 days after your date of hire.
When to Enroll
Our Annual Open Enrollment period occurs each year in November. The benefits you elect during Open Enrollment will be effective from January 1 through December 31, 2026.
Qualifying Life Events
Unless you have a qualified change in status, you cannot make changes to the benefits you elect until the next Open Enrollment period. Qualified changes in status include:
Marriage, divorce, legal separation, death of spouse
Birth or adoption of a child, commencement or termination of adoption proceedings, change in child’s dependent status, death of child or other qualified dependent
Change in employment status or change in coverage under another employer-sponsored plan
Change in residence
The information in this employee benefits guide is presented for illustrative purposes and is based on information provided by the insurance company and employer. The text contained in this guide was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the guide and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have questions about your benefits, contact Measurement Inc. Benefit Line or Human Resources. Your employer offers group health plans to some employees and as such is required to provide certain notices annually to meet compliance guidelines. These will be sent to you via email.
Medical Coverage
Protects you and your family from major financial hardship in the event of illness or injury.
About This 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:
HDHP Plan – This plan is an HDHP with a $4,000 individual and $8,000 family deductible
Core Copay Plan – This plan is an OAP with a $1,500 individual and $3,000 family deductible
Buy-Up Copay Plan – This plan is an OAP with a $750 individual and $1,500 family deductible
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 for care 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 (see page 9). Measurement Inc. pays 100% of the Employee Only cost of this HDHP medical plan.
Open Access Plan
An Open Access Plan (OAP) makes it easy to get quality, in-network care through a large, national network of providers. Choosing a primary care provider to coordinate your care is an option, and you do not need a referral to see a specialist. When you see in-network providers, your office visits, urgent care visits, and prescription drugs are covered with a copay, and most other in-network services are covered at the coinsurance level.
Medical Benefits Summary
The chart below provides an overview of your available medical plans. Please refer to your plan document for specific details.
Where to Find Details
The most up-to-date drug lists and drug management program information is located on the website www.cigna.com . The Prescription Drug Formulary is Advantage 4-Tier
If your medication is not listed, ask your doctor about an equivalent medication that is listed on the formulary.
Telemedicine
Allows virtual access to board-certified doctors.
Your medical coverage offers telemedicine services through the MDLIVE network for the same cost as an in-office visit.
When to Use Telemedicine
Telemedicine 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
It is not easy for you to leave work or home for an in-office visit
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.
Tip!
Ask your in-network doctors what telemedicine service they offer and how to contact them for that service. Put the information in your mobile phone for handy reference.
Flexible Spending Accounts
Provide important tax advantages that can
help pay for expenses on a pretax basis.
We offer three Flexible Spending Accounts (FSAs): Dependent Care, Health Care, and Limited Purpose.
Dependent Care FSA
The Dependent Care FSA helps pay for expenses associated with caring for elder or child dependents (under age 13) so you or your spouse can work or attend school full-time.
The annual contribution maximum for 2026 is $7,500 (or $3,750 if married and filing separately).
The rollover option is not available for FSA Dependent Care.
Health Care FSA
The Health Care FSA allows employees who are not contributing to an HSA to pay for certain IRSapproved medical care expenses with pretax dollars.
The annual maximum contribution for 2026 of $3,400 can be used for eligible health care-related expenses, including medical, dental, and vision expenses.
The Health Care FSA includes a carryover provision. Leftover dollars in 2025, up to $660, will roll into your 2026 Flex account. You can roll over up to $680 unused dollars from 2026 into the 2027 plan year.
Limited Purpose FSA
A Limited Purpose Health Care FSA allows employees participating in the HDHP to pay for certain IRS-approved dental and vision care expenses with pretax dollars.
The annual maximum contribution of $3,400 can be used for eligible dental and vision expenses only.
Expenses cannot be reimbursed by both an HSA and a Limited Purpose FSA.
The Limited Purpose FSA includes a carryover provision. You can roll over up to $680 unused dollars from 2026 into the 2027 plan year.
If you elect the HDHP with HSA in 2026 after having a Health Care FSA, any leftover funds will automatically be deferred to a Limited Purpose FSA in the next plan year.
Health Savings Account
Offsets your medical costs, reduces your taxes, and offers a long-term tax-advantaged savings account.
In 2026, you may contribute up to $4,400 if electing individual coverage or up to $8,750 if electing family coverage. If you are age 55 or older, you are eligible to make a catch-up contribution of up to $1,000. It is your responsibility to ensure that you do not contribute over the annual maximum, which includes combined Employer + Employee contributions.
Your HSA balance accumulates tax-free and carries over from year to year. No use it or lose it! Contributions are made per pay period.
Measurement Inc. will contribute $750 annually to your HSA account ($375 provided on January 1 and $375 provided on July 1). Anyone hired midyear will receive a pro-rated contribution.
Note: Measurements Inc. has transitioned its HSA administration to UMB. Current HSA participants with HealthEquity will need to complete a transfer form to move existing funds. Please note, HealthEquity charges a $25 account closure fee.
How Does an HSA Work?
Funds are available as you contribute (via payroll deductions). You can change or update your contribution total at anytime throughout the year — no Qualifying Life Event required. The funds are yours to keep forever, even if you change health plans, change jobs, or retire. You can even invest your HSA tax-free like a 401(k) once you reach a certain balance.
Who is Eligible?
You must be enrolled in a qualified HDHP. You cannot be enrolled under another plan which provides copayments (Plan B, Plan C, or your spouse’s plan with copays), enrolled in Medicare or receiving military benefits, be claimed as a dependent on another person’s tax return, or have access to a medical FSA (e.g., your spouse has an FSA through their employer).
Dental Coverage
Helps maintain fresh breath, healthy gums and teeth, and other dental work.
About These Plans
Two levels of benefits are available with the Dental PPO plans: 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. Coverage is provided through Sun Life using the Sun Life Dental Network .
Dental Benefits Summary
EMPLOYEE DEDUCTIONS (26 PAY PERIODS)
Vision Coverage
Helps detect certain medical issues, prolong your eyesight, and correct vision or eye problems.
About This Plan
Our vision plan offers quality care to help preserve your health and eyesight. 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 Sun Life, using the VSP Choice Network
Vision Benefits Summary
DEDUCTIONS (26 PAY PERIODS)
Life and AD&D Insurance
Provides your loved ones with a monetary safety net after your death and/or after an accident that causes loss of life, limb, or function.
Basic Life and AD&D Insurance
Full-time employees receive Sun Life group Life and Accidental Death & Dismemberment (AD&D) insurance in the amount of $25,000. Measurement Inc. pays the full cost of this benefit. Benefits begin reducing at the age of 65. You must name or update your beneficiary on the Employee Navigator portal or contact Human Resources.
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.
Voluntary Life Insurance
You may elect to purchase additional Life insurance through Sun Life for you and your eligible dependents through the convenience of payroll deduction. You must elect coverage for yourself in order to elect coverage for your eligible dependents. If you do not elect when newly eligible, you will be required to answer medical questions (Evidence of Insurability). You may increase your coverage by one benefit increment amount annually at Open Enrollment without having to answer health questions even if the increase means your coverage exceeds the Guaranteed Issue amount.
Employee and spouse benefits begin to reduce at employee age 65; employee and spouse rates are based on the employee’s age. To be eligible for coverage, you must be actively at work and any dependents requesting enrollment cannot be hospitalized on the effective date of coverage.
You may elect coverage in Increments of $10,000 up to $500,000 not to exceed five times base annual earnings.
Employee: $200,000
Spouse: $50,000
Child(ren): $10,000
You may elect coverage for your spouse in $5,000 increments up to a maximum of 100% of the employee elected amount or $500,000, whichever is less.
You may elect coverage for your dependent child(ren) up to age 26 in increments of $2,000 up to a maximum of $10,000. The maximum benefit for children live birth to six months is $1,000. The maximum benefit for children from six months to age 26 is $10,000 not to exceed 100% of Employee election.
VOLUNTARY LIFE/AD&D RATES
Refer to Employee Navigator for age-banded rates.
Disability Insurance
Provides partial income protection if you are unable to work due to an off the job accident or illness.
Full-time employees can receive employer-paid Short and Long Term Disability income benefits. In the event you become disabled from a non-work-related injury or sickness, disability income benefits are provided as a source of income. You are not eligible to receive Short Term Disability benefits if you are receiving Workers’ compensation benefits. Effective January 1, 2025, Sun Life will manage both Short Term Disability and Long Term Disability for a more seamless claims experience. Please note the Long Term Disability plan includes a pre-existing condition limitation of 12 months for conditions treated within three months prior to the effective date of coverage.
How do I file a Claim?
Register for an account at www.sunlife.com
Complete the guided claim form and upload any documents pertaining to your claim and medical providers. You are able to check status of your claim after 48 hours. You can even elect direct deposit and receive approved payments electronically.
If you have questions, contact Sun Life at 800-247-6875.
Important: This is a fixed indemnity policy, not health insurance. This fixed indemnity policy may pay you a limited dollar amount if you are sick or hospitalized. You are still responsible for paying the cost of your care.
• The payment you get is not based on the size of your medical bill.
• There might be a limit on how much this policy will pay each year.
• This policy is not a substitute for comprehensive health insurance.
• Since this policy is not health insurance, it does not have to include most Federal consumer protections that apply to health insurance. Looking for comprehensive health insurance?
• Visit www.healthcare.gov or call 1-800-318-2596 (TTY: 1-855-8894325) to find health coverage options.
• To find out if you can get health insurance through your job, or a family member’s job, contact the employer. Questions about this policy?
• For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (www.naic.org) under Insurance Departments.
• If you have this policy through your job, or a family member’s job, contact the employer.
Supplemental Insurance
You and your eligible family members have the opportunity to enroll in additional coverage through Sun Life 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.
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, deductible, ambulance, physical therapy, childcare, rent, and other costs not covered by traditional health plans.
ACCIDENT
Critical Illness Insurance
Critical Illness insurance helps pay the cost of nonmedical 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.
CRITICAL ILLNESS Sun Life
Employee
Spouse
Child(ren)
Full Coverage
Heart attack; stroke; end-stage kidney disease; occupational HIV/Hepatitis B, C, or D; major organ failure; invasive cancer; complete blindness; complete loss of hearing; loss of speech; severe burns; ALS; benign brain tumor; coma; paralysis
Child Conditions
Down syndrome; cerebral palsy; cystic fibrosis; type 1 diabetes mellitus; complex congenital heart disease; cleft lip/palate; muscular dystrophy; spina bifida
The Hospital Indemnity plan helps you with the high cost of medical care by paying you a cash benefit when you have an inpatient hospital stay. Unlike traditional insurance which pays a benefit to the hospital or doctor, this plan pays you directly. It is up to you how you want to use the cash benefit. These costs may include meals, travel, childcare or eldercare, deductibles, coinsurance, medication, or time away from work.
ICU Confinement
Newborn Nursery Confinement
Additional Benefits
401(k) Plan – Empower
You have the opportunity to save for retirement via pretax and/or Roth contributions by making payroll deductions. Contributions can also be made through rollovers from another qualified plan. In 2026, you may elect to defer up to $24,500. Anyone age 50 and over is eligible to make a catch-up contribution of $8,000 bringing your total retirement contributions to $32,500.
Each full-time and part-time employee who has attained the age of 21 and completed one full year with 1,000 hours without an intervening break in service is eligible to participate in the 401(k) plan. Go online to Empower to enroll or to change your contribution. For more information, please contact Measurement Inc.’s Human Resources Department.
Employee Assistance Program
Work-life balance is important now more than ever! The Employee Assistance Program (EAP) from ComPsych helps you and family members cope with a variety of personal and work-related issues. You can access the EAP by phone, online, or in person (up to three visits). The EAP is available to you and your dependents.
Get support at any hour of the day or night by calling 877-595-5281 The EAP is a free service for you!
Important 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 symmetrical appearance; and
Prostheses and treatment of physical complications of the mastectomy, including lymphedema.
Health plans must determine the manner of coverage in consultation with the attending physician and the patient. Coverage for breast reconstruction and related services may be subject to deductibles and coinsurance amounts that are consistent with those that apply to other benefits under the plan.
Special Enrollment Rights
This notice is being provided to ensure that you understand your right to apply for group health insurance coverage. You should read this notice even if you plan to waive coverage at this time.
Loss of Other Coverage or Becoming Eligible for Medicaid or a state Children’s Health Insurance Program (CHIP)
If you are declining coverage for yourself or your dependents because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must enroll within 31 days after your or your dependents’ other coverage ends (or after the employer that sponsors that coverage stops contributing toward the other coverage).
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
To request special enrollment or obtain more information, contact:
Measurement Incorporated Human Resources
215 Morris Street Durham, NC 27701
919-683-2413
Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Measurement Incorporated 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 can get help to make decisions about your prescription drug coverage is at the end of this notice.
If neither you nor any of your covered dependents are eligible for or have Medicare, this notice does not apply to you or the dependents, as the case may be. However, you should still keep a copy of this notice in the event you or a dependent should qualify for coverage under Medicare in the future. Please note, however, that later notices might supersede this notice.
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. Measurement Incorporated has determined that the prescription drug coverage offered by the Measurement Incorporated 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. The HSA plan is considered Creditable Coverage pending confirmation from BCBSNC.
Because your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to enroll in a Medicare prescription drug plan, as long as you later enroll within specific time periods.
You can enroll in a Medicare prescription drug plan when you first become eligible for Medicare. If you decide to wait to enroll in a Medicare prescription drug plan, you may enroll later, during Medicare Part D’s annual enrollment period, which runs each year from October 15 through December 7 but as a general rule, if you delay your enrollment in Medicare Part D after first becoming eligible to enroll, you may have to pay a higher premium (a penalty).
You should compare your current coverage, including which drugs are covered at what cost, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. See the Plan’s summary plan description for a summary of the Plan’s prescription drug coverage. If you don’t have a copy, you can get one by contacting Measurement Incorporated at the phone number or address listed at the end of this section.
If you choose to enroll in a Medicare prescription drug plan and cancel your current Measurement Incorporated prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. To regain coverage, you would have to reenroll in the Plan, pursuant to the Plan’s eligibility and enrollment rules. You should review the Plan’s summary plan description to determine if and when you are allowed to add 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 919-683-2413
NOTE: You will receive this notice annually and at other times in the future, such as before the next period you can enroll in Medicare prescription drug coverage and if this coverage changes. You may also request a copy.
For more information about your options under Medicare prescription drug coverage:
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You will get a copy of the handbook in the
mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. For more information about Medicare prescription drug coverage:
Visit www.medicare.gov
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.
Call 1-800-MEDICARE
(1-800-633-4227). TTY users should call 877-486-2048
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at www.socialsecurity.gov, or you can call them at 800-772-1213. TTY users should call 800-325-0778
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
Measurement Incorporated Human Resources 215 Morris Street Durham, NC 27701 919-683-2413
Notice of HIPAA Privacy Practices
This notice describes how medical information about you may be used and disclosed and how you can access this information. Please review it carefully.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. This information known as protected health information (PHI), includes virtually all individually identifiable health information held by a health plan – whether received in writing, in an electronic medium or as oral communication. This notice describes the privacy practices of the Employee Benefits Plan (referred to in this notice as the Plan), sponsored by Measurement Incorporated, hereinafter referred to as the plan sponsor.
The Plan is required by law to maintain the privacy of your health information and to provide you with this notice of the Plan’s legal duties and privacy practices with respect to your health information. It is important to note that these rules apply to the Plan, not the plan sponsor as an employer.
You have the right to inspect and copy protected health information which is maintained by and for the Plan for enrollment, payment, claims and case management. If you feel that protected health information about you is incorrect or incomplete, you may ask the Human Resources Department to amend the information. For a full copy of the Notice of Privacy Practices describing how protected health information about you may be used and disclosed and how you can get access to the information, contact the Human Resources Department.
Complaints:
If you believe your privacy rights have been violated, you may complain to the Plan and to the Secretary of Health and Human Services. You will not be retaliated against for filing a complaint. To file a complaint, please contact the Privacy Officer.
Measurement Incorporated
Human Resources
215 Morris Street Durham, NC 27701
919-683-2413
Conclusion
PHI use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). You may find these rules at 45 Code of Federal Regulations Parts 160 and 164. The Plan intends to comply with these regulations. This Notice attempts to summarize the regulations. The regulations will supersede any discrepancy between the information in this Notice and the regulations.
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your 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 Health Insurance Marketplace. For more information, visit www.healthcare.gov.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
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. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272)
If you live in one of the following States, you may be eligible for assistance paying your employer health plan premiums. The following list of States is current as of July 31, 2025. Contact your State for more information on eligibility.
To see if any other States have added a premium assistance program since July 31, 2025, or for more information on special enrollment rights, can contact either:
U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)
U.S. Department of Health and Human Services
Centers for Medicare & Medicaid Services
www.cms.hhs.gov
1-877-267-2323, Menu Option 4, Ext. 61565
West Virginia – Medicaid and CHIP
Continuation of Coverage Rights Under COBRA
Under the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), if you are covered under the Measurement Incorporated group health plan you and your eligible dependents may be entitled to continue your group health benefits coverage under the Measurement Incorporated 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
Measurement Incorporated 215 Morris Street Durham, NC 27701 919-683-2413
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, 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 care facility that isn’t in your health plan’s network.
“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:
Emergency services – If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you are in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
Certain services at an in-network hospital or ambulatory surgical center – When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers cannot balance bill you and may not ask you to give
up your protections not to be balance billed.
If you get other services at these in-network facilities, out-of-network providers cannot balance bill you, unless you give written consent and give up your protections.
You are never required to give up your protections from balance billing. You also are not required to get care out-of-network. You can choose a provider or facility in your plan’s network.
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 innetwork). 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 benefits.
• Count any amount you pay for emergency services or out-ofnetwork services toward your deductible and out-of-pocket limit.
If you believe you have been wrongly billed, you may contact your insurance provider. Visit www. cms.gov/nosurprises for more information about your rights under federal law.
Glossary of Terms
Beneficiary – Who will receive a benefit in the event of the insured’s death. A policy may have more than one beneficiary.
Coinsurance – Your share of the cost of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service, typically after you meet your deductible.
Copay – The fixed amount you pay for health care services received.
Deductible – The amount you owe for health care services before your health insurance begins to pay its portion. For example, if your deductible is $1,000, your plan does not pay anything until you meet your $1,000 deductible for covered health care services. The deductible may not apply to all services, including preventive care.
Employee Contribution – The amount you pay for your insurance coverage.
Employer Contribution – The amount Measurement Inc. contributes to the cost of your benefits.
Explanation of Benefits (EOB) – A statement sent by your insurance carrier that explains which procedures and services were provided, how much they cost, what portion of the claim was paid by the plan, what portion of the claim is your responsibility, and information on how you can appeal the insurer’s decision. These statements are also posted on the carrier’s website for your review.
Flexible Spending Account (FSA) – An option that allows participants to set aside pretax dollars to pay for certain qualified expenses during a specific time period (usually a 12-month period).
Health Savings Account (HSA) – A personal savings account that allows you to pay for qualified medical expenses with pretax dollars.
High Deductible Health Plan (HDHP) – A medical plan with a higher deductible in exchange for a lower monthly premium. You must meet the annual deductible before any benefits are paid by the plan.
In-Network – Doctors, hospitals, and other providers that contract with your insurance company to provide health care services at discounted rates.
Out-of-Network – Doctors, hospitals, and other providers that are not contracted with your insurance company. If you choose an out-of-network provider, you may be responsible for costs over the amount allowed by your insurance carrier.
Out-of-Pocket Maximum – Also known as an out-of-pocket limit. The most you pay during a policy period (usually a 12-month period) before your health insurance or plan begins to pay 100% of the allowed amount. The limit does not include your premium, charges beyond the Reasonable & Customary (R&C), or health care your plan does not cover. Check with your health insurance carrier to confirm what payments apply to the out-of-pocket maximum.
Over-the-Counter (OTC) Medications – Medications typically made available without a prescription.
Prescription Medications – Medications prescribed by a doctor. Cost of these medications is determined by their assigned tier.
Brand Name Drugs (Formulary) – Brand name drugs on your provider’s list of approved drugs. You can check online with your provider to see this list.
Brand Name Drugs (Non-Formulary) – Brand name drugs not on your provider’s list of approved drugs. These drugs are typically newer and have higher copayments.
Generic Drugs – Drugs approved by the U.S. Food and Drug Administration (FDA) to be chemically identical to corresponding brand-name versions. The color or flavor of a generic medicine may be different, but the active ingredient is the same. Generic drugs are usually the most cost-effective version of any medication.
Preventive Care – The care you receive to prevent illness or disease. It also includes counseling to prevent health problems.
Reasonable and Customary Allowance (R&C) – Also known as an eligible expense or the Usual and Customary (U&C). The amount your insurance company will pay for a medical service in a geographic region based on what providers in the area usually charge for the same or similar medical service.
SSNRA – Social Security Normal Retirement Age
This brochure highlights the main features of the Measurement Incorporated 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. Measurement Incorporated reserves the right to change or discontinue its employee benefits plans anytime.
