2025 BENEFIT GUIDE
Effective January 1, 2025 to December 31, 2025
Welcome to Your FreedomCare 2025 Employee Benefit Program
FreedomCare is committed to supporting your overall health and well-being We are pleased to offer a competitive and affordablebenefitprogramdesignedtomeettheneedsofyouandyourfamily.
SomeofyourbenefitsarepaidinfullbytheCompany,whilethecostofothersaresharedbetweenyouandFreedomCare.This BenefitsGuideisonlyintendedtobeanoverviewoftheemployeebenefitplansofFreedomCare.Actualplanprovisionsare governedbytheofficialplandocumentsandcontractsavailablethroughFreedomCare.Ifthereisanyinconsistencybetween thisdocumentandtheofficialplandocumentsandcontracts,theofficialplandocumentsandcontractswillprevail.
FreedomCare reserves the right to modify its employee benefit plans, including reducing and increasing benefits and changingemployeecontributions,atanytimeforanyreason.
Overview
Medical/PrescriptionoptionsthroughBlueCrossBlueShield HDHP(HSA),MidPlan,and BuyUpoptionsavailable VirtualcarethroughUprise
DentalBaseandBuyUpoptionsthroughGuardian.
VisionplanoptionthroughGuardian(VSPnetwork).
Company-paidthroughGuardian.
OptiontopurchasevoluntaryLife/AD&D.SubjecttoEOIandapprovalbyGuardian.
Company-paidthroughGuardian.
Accident,CriticalIllness,Hospital,WholeLifeInsurancethroughmultiplevendors
Health Savings Accounts (HSA)*, Flexible Spending Accounts (Health Care and Dependent Care), Lifestyle Spending Account (LSA) and Commuter Benefits administeredbyThrivePass.
*If you are enrolled in the HDHP medical plan, FreedomCare will contribute up to $1,000 (single or family) to your HSA in 2025
Benefits Eligibility
Allactivefull-timeemployeesworkingatleast30hoursperweekareeligibletoenrollintheFreedomCarebenefit plans.Duringenrollment,youmayalsoenrollyourdependentsinthebenefitsplan.
Who’s an Eligible Dependent?
Your legal spouse
Your domestic partner
And/or one or more of your dependent children (up to age 26)
Disabled children aged 26 or older who meet certain criteria may continue on your health coverage
Please note: The Internal Revenue Code treats spouses and children through marriage differently from Domestic Partners in respecttohealthbenefits.Paymentsforhealthcarecoveragefor apersonwhoisnotaspouseorchild/stepchildthroughmarriage are not entitled to tax exemption unless the person is a “dependent”**asdefinedintheInternalRevenueCode.
If your Domestic Partner is not your dependent, the value for the coverage for your Domestic Partner will be considered taxable income to you, and FreedomCare will withhold state and federal taxesonit
**If your Domestic Partner and his/her children are dependents under this Code, you should provide the FreedomCare People Ops personnel with a tax certification to that effect to gain the benefit of the tax exemption. The tax certification can be found in the Reference Center during enrollment FreedomCare suggests that you consult a tax advisor to determine if you may claim your Domestic Partner and/or his/her children as a dependent for tax purposes before you certify that they are dependents
When Can You Enroll?
During the annual open enrollment period Open Enrollment is a specified period of time set aside each year during which you have an opportunity to make changes to your benefits. During this time, you may enroll or make changes to your benefit elections. Changes made during the Open Enrollment period will go into effect January 1 of the following year
As a new hire You must enroll within 21 days of your date of hire. If you do not, you will not be eligible for benefits until the next annual Open Enrollment period, unless you have a qualifying life event. If you experience a qualifying life event You must enroll within 30 days of a qualifying event
When Benefits Begin
FreedomCare’sbenefitplanrunsfromJanuary1through December31 Fornewhires,thebenefitsyouselectare effectivefromthefirstofthemonthfollowing28days fromyourdateofhirethroughtheendoftheyear.
How to Enroll or Make Changes
Forassistanceinunderstandingyourbestoptions, contactHealthAdvocateat(866)695-8622For enrolling,contactParamountat(800)561-8350oruse theQRcodebelowtoscheduleanappointmentTo enrollormakechangestoyourbenefitsonyourown, logonatchubb.benselect.com/enroll.EnteryourSSN. YourtemporaryPINisthelast4ofyourSSNandthe last2digitsofyourbirthyear.Forexample,ifthelast 4digitsofyourSSNwere1234andyouwerebornin 1980,yourPINwouldbe123480. YouwillbepromptedtochangeyourPINonce youloginforthefirsttime.
Benefit Questions?
Contact Benefits@freedomcareny.com
Making Benefit Changes During the Year
Benefit elections you make will be in effect through December 31, 2025, unless you have a qualifying event such as marriage,birth/adoption,divorce/legalseparation,changeindependenteligibility,lossofcoverage,spouse’sgainorlossof employment,orcourtaction.Othereventsmayapply.
To make changes to your benefit elections, you must enter the change into Paramount within 30 days of the Qualifying Event (including newborns). If changes are not submitted on time, you must wait until the next Open Enrollmentperiodtomakeyourelectionchanges.ProofoflifeeventsifsubjecttoapprovalbyFreedomCare.Documentation isrequiredtobesubmittedinatimelymanner Changesareeffectiveprospectivelyunlesstheeventisforbirth,adoption,or placementforadoption
TolearnmoreaboutQualifyingLifeEvents,clickhere
Dependent Verification
When enrolling dependents in your health coverage, you need to provide documentation verifying each dependent’s relationship to you. This documentation must be uploaded as part of the enrollment process.
Documents Needed To Enroll a Dependent
*Documents must be the original, legible, and show all 4 corners.
Medical & Prescription Drug Plan
FreedomCareoffersthreemedicalplansthroughBlueCrossBlueShieldofIllinois(BCBS).BCBS offersbroad,nationalaccessviaBCBS’snetwork.Byusinganin-networkprovider,youcantake advantageofBCBS’snegotiateddiscountsandreduceyourout-of-pocketcosts.
Belowisjustanoverviewofthemedicalplans,pleaseseethedetailedbenefitsummaryforadditional information.Employeesshareinthecostofmedicalbenefits.EmployeeContributionscanbefound onpage31.
Medical Plan Options
Understanding the Deductible and Out of Pocket Maximum
The deductible is what you pay out of pocket before insurancestartspayingitsshareofyourcosts Itdoesnot includeyouremployeecontributionsformedicalcoverage.
Theout-of-pocket(OOP)maximumisthemostyouand yourcoveredfamilymemberswouldhavetopayinayear for eligible healthcare costs The annual OOP maximum includesmedicalandprescriptionamountsyoupaytoward your deductible, coinsurance and copays under the medical plan. It does not include your employee contributions for medical coverage or expenses for treatmentnotcoveredundertheplan.
TolearnmoreaboutaHDHPwithHSA,clickhere.
TolearnmoreaboutaHDHPvs.PPO,clickhere.
Ifyouarecoveringanydependents:
It is important to understand how covering dependents impacts your plan deductible and out-of-pocket maximums, depending on the plan you elect The deductible and out-of-pocket maximum applicable to any onepersonwithinyourfamilycoveragediffers,depending onyourplanelectionandwhetheryoureceiveservicesinorout-of-network.
Thechartbelowoutlinesthedeductiblesandout-of-pocket maximum limits for in-network coverage. For BCBS plans with out-of-network coverage, separate out-of-network deductiblesandOOPmaximumsapply
Virtual Care
24/7/365 access to doctors from anywhere
Flexible Care Without the ER Expense
Medical issues can happen day or night, weekends or holidays. But if it’s not an emergency, save the trip, time and expense of an ER or urgent care center. The Virtual Visits benefit from MDLIVE® and available through Blue Cross and Blue Shield of Illinois is ready to help 24/7. Consult with a doctor or therapist without leaving home. Virtual Visits offers quick access to a doctor by phone, online video or mobile app. Services are available in both English and Spanish with translation services available in other languages. First, call your doctor’s office; they may also offer telehealth consultations by phone or online video. If you have any questions about this or any other Blue Cross and Blue Shield of Illinois benefit, please call the number on the back of your ID card.
Why Virtual Visits?
24/7 access to an independently contracted, board-certified doctor or therapist
Access via phone, online video or mobile app from almost anywhere
Average wait time of less than 30 minutes*
Doctors can send e-prescriptions to your local pharmacy
Doctors can treat a variety of nonemergency conditions, including: Allergies Cold/Flu Fever Headaches Nausea Sinus infections Depression Anxiety
Help When You Need It
We all need a little help from time to time. Whether it’s dealing with day-to-day personal issues or navigating the health care system, FreedomCare offers two valuable support programs that are 100% confidential and provided at no cost to eligible employees and their families.
Healthcare Concierge Service
Whetherit’snavigatingthecomplicatedhealthcaresystem whensomeoneinyourfamilyisseriouslyill,oryouare dealing with healthcare issues, FreedomCare offers a healthcareconciergeservicetohelp HealthAdvocateisa resource designed to give you expert assistance and support in handling healthcare and insurance-related issuesbycuttingthroughtheredtapeandbarriersthatso oftencreatefrustrationandchallenges.Whenyouemail, call,orchat,youwillgetone-on-onesupportfromoneof theiradvocateswhowillworkonyourbehalftogetyou andyourfamilytheanswersandpeaceofmindyouneed
Getanswerstoyourinsurancequestions,resolve claimsandbillingissues
Understandyourcoverageformedical,dental,vision, deductibles,copays,andout-of-pocketcosts
Getanswersabouthealthsavingsaccountsandhow theyworkwithyourhealthplan
Findin-Newtworkdoctorsandspecialistsforyour needsandmakeappointments,transferrecords
Exploretreatmentoptions,getsecondopinions
Feelconfidentyourmedicalcareandtreatmentis ontrack
HealthAdvocatedoesnotreplaceyourhealthinsuranceor yourdoctor’scare.Itisaserviceyoucanleanontoobtain unbiased, objective information and help make choices concerningyoursituation.HealthAdvocatecanbereached at:866-695-8622,answers@HealthAdvocate.com.Youcan email,call,message,orlivechat,24/7
GetHelpOnline
Visit HealthAdvocate.com/members and enter FreedomCareasyourorganization
Employee Assistance Program
As a FreedomCare employee you have access to the valuable Employee Assistance Program (EAP) through GuardianUpRiseatnocosttoyou.EAPpersonaladvocates will work with you and your household members (even roommates)tohelpyouresolveissuesyoumaybefacing, connect you with the right mental health professionals, direct you to a variety of helpful resources in your communityandmore
Takeadvantageofawiderangeofservicesofferedat nocoststoyou: Couseling:
3face-to-facecounselingsessionswithacounselorin yourarea.
3Onlineorchatcoachingsessionswithalicensedlife coach
FinancialAssistance:30-minutetelephoneoronline financialconsultationswithqualifieddebtcounseloror retirementspecialist
LegalAssistance:30-minutetelephoneoronlinelegal assistancewithanattorney
ChildandParentingServices
AdultandEldercareServices
Work-LifeBalanceResources
24/7/365 Confidential Access
Phone: 800-386-7055 Online: worklife.uprisehealth.com (Access code: worklife)
Save Money When Using Your Insurance
Choose the Right Type of Care
When you need care, know your options. Urgent care centers, telemedicine (virtual) visits or a call to your Health Advocate can help you understand your options, save time, and money.
Use Your Preventive Care Benefits
Most preventive care services are covered at 100% when you use un-network providers. Getting regular exams,screenings,andimmunizationscansaveyoua lot of money in the long run by catching problems earlyorpreventingthemaltogether.
Tolearnmoreabouthowtosavemoneywhenusing yourinsurance,clickhere.
Using the Prescription Mail Order/Home Delivery Program
Rather than visiting a pharmacy month after month, save time by having the medication delivered to your home. You can also save money by getting up to a 90day supply through mail order for less than what you would pay through a retail pharmacy. And because shipping is free, you’ll also save on gas money!
Ask Your Doctor About Generic Drugs
The next time you need a prescription, ask your doctor if it is appropriate to use a generic drug rather than a brand name drug. Generic drugs containthesameactiveingredients,areidenticalin dose,formandadministrativemethodANDareless expensivethantheirbrandnamecounterparts. Ifyoumusttakeabrandnamedrug,askyourdoctor for samples or coupons. Also check the drug manufacturer’s website for available rebates and discounts.
Search GoodRx for Cheaper Rx Prices
Drug prices sometimes vary significantly between pharmacies. GoodRx collects and compares prices for every FDA approved prescription drug at more than70,000pharmacies.
Access GoodRx at goodrx.com to find the lowest pricepharmacynearyouand/orprintFREEcoupons. You can also get coupons on-the-go through GoodRx’smobileapp-justshowyourphonetothe pharmacist*.
Ask Your Pharmacy for the Cash Price
Callandaskyourpharmacyforthecashprice*ofa prescriptiondrug.Sometimesthesepricesarelower than the prescription drug plan copay. If a generic medicationcostslessthanthecopay,memberswill only be responsible for the cost of the medication, notthefullcopay.
*fyouuseGoodRxvs theSmithRxpharmacybenefits,orifyoupay thelowercashprice,theamountyouwillpaywillnotapplytoward yourdeductibleorout-of-pocketmaximum
To learn more about how to save money on prescriptiondrugs,clickhere.
How to Choose the Right Care When You Need It
Making the right choice between Primary Care, Urgent Care, and Emergency Care can make a difference in time and money and ensure you get the best care possible. Stay informed, and take charge of your health!
PRIMARY CARE URGENT CARE EMERGENCY CARE
Your PCP knows your medical history best and can provide comprehensive care on a scheduled basis
Reasons to visit your
primary care
physician include:
Regularcheck-ups
Chroniccondition management
Minorillnesses(colds,flu,or minorrashes)
Preventivecare(vaccinations, screenings)
Prescriptionrefills
Physicals
While the ER is always available for serious conditions, waiting to see your PCP is usually best for ongoing care and nonurgent issues. Non-urgent ER visits are not covered
Quick, convenient care for health needs that are NOT life threatening when you need care after hours or can’t get a quick appointment with your PCP. In cases of severe symptoms or your condition is endagering your life, don’t hesitate go to the ER.
Conditions treated at Urgent Care locations include:
InfectionslikeearorUTI
Sprainsorstrains
Minorfractures
Cutsthatmayneedstitches
Mildtomoderateasthma attacks
Feverorflusymptoms(when yourPCPisnotavailable)
Examples of medical emergencies include:
Severechestpain
Severeormultipleinjuries
Severeshortnessofbreath
Lossofconsciousness,change inmengalstate
Severebleeding
Acutepainorconditions requiringimmediateattention -heartattack,appendicitis, stroke
Poisoning
Convulsionsorseizures
Severeintoxication
Pharmacy Benefits
2025 Standard Co-Pay Structure through Smith Rx
Navigate our simply co-pay structure for straightforward cost-sharing on prescription medications. Understand your out-of-pocketexpensesandaccesstoaffordablehealthcaresolutionseasilywiththechartbelow.
Pharmacy up to 30-day supply
copay
copay
copay Home Delivery up to 90-day supply
copay
*afterdeductible
For all maintenance medications it is mandatory that you receive these via mail order Employees can refill at the pharmacy up to two times After two refills you are required to use mail order only.
Fertility and Family Building Benefits
Maven is a digital family health platform that provides free, 24/7 access to specialized virtual care, personalized guidance, trustworthy resources, and more - no matter where you are on your family building journey. You and your partner who are enrolled in a FreedomCare-sponsored medical plan get:
Unlimited,24/7virtualaccesstotop-ratedproviders:Bookvideoappointmentsorchatwithprovidersspanning35+ specialties, including OB-GYNs, reproductive endocrinologists, mental health specialists, adoption and surrogacy coaches,lactationconsultants,pediatricians,andcareercoaches withwaittimesoflessthan2hours.
YourowndedicatedCareAdvocate:NeedhelpnavigatingtheMavenplatform,connectingwithaprovider,orhavea questionaboutyourbenefits?MessageyourCareAdvocate,andthey’llgetbacktoyouwithinthehour.
On-demand content & virtual classes: Access Maven’s extensive library of vetted articles and provider-led classes covering topics like fertility medication administration, childbirth, breastfeeding, and managing stress & anxiety— whereveryouare,onyourowntime
Expert-designed programs tailored to your specific needs:
Fertility & Family Building: holistic support at every stage, whether you’re just thinking about starting a family or pursuing IVF, IUI, egg freezing, adoption, or surrogacy including care navigation and referrals to vetted clinics and agencies plus mental health support
Maternity & Newborn Care: a personalized weekly curriculum approved by Maven providers and classes to support you physically and emotionally through pregnancy, postpartum, the transition into parenthood, and return to work
Activate Your Free Membership
Go to mavenclinic.com/join/takecare or download the Maven Clinic app Choose a custom track that meets you needs
Build your personal profile and meet your Care Advocate!
Disclaimer: When considering the utilization of our family building benefits, it’s crucial to understand the associated tax implications. The tax treatment of these benefits hinges on whether you are the enrolled employee or a dependent covered under the plan, and whether the treatment/service qualifies as a “medical expense” under IRS Section 213(b). Given the intricacies of tax regulations and individual circumstances, we strongly recommend consulting with your personal tax advisor.
Health Savings Account (HSA)
What is a Health Savings Account?
HSAsaretax-advantagedaccountsyoucanusetosetasidemoneyforqualifiedmedical,dental,andvisionexpenses now,orinthefuture.MoneyinyourHSAbelongstoyou,anditgoeswithyouevenifyouchangeemploymentorretire -infact,theHSAisagoodwaytoplanaheadformedicalexpensesinretirement.Unusedmoneyintheaccountrolls overfromyeartoyear
Contributions to an HSA are tax-deductible, withdrawals are tax-free (as long as they are used to pay for qualified expenses),andanyinterestearnedistax-free*.TocontributetoanHSA,youmustbecoveredbyaHighDeductible HealthPlan(HDHP).
FreedomCarewillmakecontributionstoyourHSAifyouenrollintheHDHPmedicalplan,andareeligiblefor, andopenup,anHSAduringyourenrollment.
HSAFundscanonlybeusedforyourself,yourspouseandyourtaxdependents.Expensesfordependentswhodonot qualifyastaxdependentsarenotreimbursableundertheHSA
*Tax treatment of HSAs for state tax purposes may vary by state
The Advantages of an HSA
YourAccount:AnHSAisanindividualaccount,likea401(k) account.Youcontrolyourinvestments,contributions,and whetheryousaveorspendthemoneyinyouraccount.
NoExpiration:MoneyinyourHSArollsovereachyear, anditisyourstokeepevenifyouleaveFreedomCare.
RetirementSavings:Becausethefundscarryoverfrom year-to-yearandmayearninterest,youcansaveyourHSA fundstopayforhealthcareexpensesinretirement.
Invest:Balancesover$1,000canbeinvestedandearnings growtaxfree.
EligibleExpenses:MoneyinyourHSAcanbeusedtopay foreligiblemedical,dental,vision,andprescriptiondrug expensesforyouandyourdependents.
Tax Free: When used for eligible expenses, your contributions,earnings,andwithdrawalsarenottaxed PerIRSrules,youmustbecoveredbyanHDHPandhavenootherhealth coveragetobeeligibletoparticipateinanHSA
Rules About Eligibility
TocontributetoanHSA,youmustfirstenrollinaHigh Deductible Health Plan (HDHP). In order to receive FreedomCarecontributions,youmustalsoelecttoopenan HSAaccountduringyourenrollment
Youcan’tcontributetoanHSAifyou:
AreenrolledinMedicare(PartsA*orB)oraveteran’s medicalplan(TRICARE)
Can be claimed as a dependent on someone else’s federaltaxreturn
Full Purpose FSA participants must have a $0.00 balance before opening and contributing (or receivingcompanycontributions)totheirHSA
Althoughyoucanenrollyourchildrenuptoage26inyour medicalcoverage,youcan’tusemoneyfromyourHSAto pay their healthcare expenses unless you claim that as dependents on your federal income taxes (generally childrenuptoage18orunderage26iftheyarefull-time students).
*EnrollmentinMedicarePartAmayberetroactivebyupto6monthswhenyou begin taking social security retirement after your Social Security Normal RetirementAge(SSNRA)ThismayaffectyourHSAeligibility
Clickhereforafulllistofeligibleexpensesvisit
Health Savings Account (HSA) (Continued)
Funding Your HSA
If you are enrolled in the FreedomCare HDHP (HSA) plan and enrolled in an HSA through ThrivePass, you have the optiontocontributetoyourHSAthroughpre-taxpayrollcontributions*
OnceenrolledintheHDHPmedicalplan,youwillreceiveinstructionsfromThrivePassonhowtoactivateyourhealth savingsaccountandestablishaloginandpassword.
ItisimportanttonotethatqualifiedexpensesarenoteligibleforreimbursementuntilyourHSAhasbeenestablished TolearnhowtooptimizeyourHSA,clickhere
*You can choose to open an HSA through another financial institution, however, FreedomCare will not contribute to another HSA. In addition, your contributionswouldnotbedeductedthroughpayroll,soyouwouldmakeafter-taxcontributions.Youcouldclaimthosecontributionsasataxdeductionwhen youfileyourtaxes
2025 HSA Annual Contributions and Limits
Each year, you can contribute up to the IRS annual limit for HSAs (which includes FreedomCare’s contribution). FreedomCare will contribute to your HSA each month up to the annual amounts listed below. These amounts are proratedfornewhires.
The HDHP and HSA in Action
Andrew - His Story
AndrewismarriedandnewlyenrolledintheHSA-qualifiedHDHP plan in Employee + Spouse coverage during Open Enrollment FreedomCare contributes $1,000 to Andrew’s HSA. Andrew decides to contribute $3,100 to his HSA. He uses BCBS’s innetworkdoctors,soheknowstherewillbeenoughinhisaccount tocoverhisentire$4,000in-networkfamilydeductible. Thissampleisforillustrativepurposesonlyanddoesnotrepresentactualexpensecosts.
$685 (counts toward family deductible)
$18 $168 (counts toward family deductible)
$871
What happens with the HSA
Andrew didn’t have as many expenses in 2025 as he anticipated, so he has money left in his HSA Here’s how it worked out:
2025 HSA contributions: $3,300
2025 HSA contributions: $1,000
2025 HSA contributions: $4,300 Paid out of the HSA in 2025: $871
balance for use in future years: $3,429
Andrew paid all of his out-of-pocket expenses through his HSA. He saved taxes on his $3,100 in contributions and, with FreedomCare’s contribution, he still has $3,429 in his account at the end of the year. That money stays in Andrew’s HSA, earning tax-free interest, so he can use it in future years - even if he leaves FreedomCare.
Flexible Spending Accounts (FSA)
FlexibleSpendingAccounts(FSA)allowyoutosetmoneyasideforcertaineligibleexpensesandthenuseitthroughout theyeartopayforthoseexpenses Themoneyissetasidepre-taxandreducesyourtaxableincome FreedomCare offersthreetypesofFSAaccounts:HealthCare,DependentCareandCommuterAccounts.
Note:Moneycannotbetransferredbetweentheaccounts(ie youcannotusethemoneyfromyourHealthCareFSAto
Health Care FSA / Limited Purpose FSA
Members enrolling in PPO plans can contribute up to $3,300 to a Health Care FSA for eligible medical, dental, and vision expenses in 2025.
Members electing the HDHP medical plan can contribute up to $3,300 to a Limited Purpose FSA, for eligible dental and vision expenses only.
Dependent Care FSA
Dependent Care FSAs are used to pay for the costs of dependent care thatenablesyoutobeanactiveemployee Thiscaremaybeforachild underage13andforolderdependents,includingchildren,spouses,and parentswhoarephysicallyormentallyunabletocareforthemselvesand wholivewithyouformorethanhalftheyear
Eligible expenses include day care, before-school and after-school care, babysitters, and elder day care. You can contribute up to $5,000* to a DependentCareFSA($2,500*ifyouaremarriedandfilingseparately).
For a comprehensive list of FSA eligible expenses, please refer to Publications502and503ontheIRSwebsiteatwwwirsgov
Important FSA Information
it”andwillbeforfeitedafteranyrun-outperiod(s) Toparticipate,youmustre-enrolleachyear
How the FSA Works
During Open Enrollment, or as a new hire, you elect the amount of money you wish to deposit into the Health Care and/or the Dependent Care Account for the entire year. The FSA benefit is effective January 1 to December 31.
The total amount is then equally divided by 26 (or the number of pay periods remaining in the year for new hires). That amount is deducted from each paycheck and set aside in your account.
As you incur eligible expenses, you can use your FSA debit card to pay for eligible health care expenses without submitting any paper claim forms. You can also pay for eligible health care expenses with a personal credit card or check and submit an online claim to receive reimbursement directly to your back account.
You can submit claims for reimbursement for eligible dependent care expenses after the services has been incurred and you have paid with a personal card or check.
To learn how to optimize your FSA, click here.
The Flexible Spending Account plans are administered by ThrivePass.
To register and log into your FSA account(s), go to www thrivepass com Participation is voluntary
Commuter Benefits
Thisprogramallowsyoutopayaportionofyourcommutingexpenseswithpretaxdollars,resultingintaxsavingsforyou. Eachmonth,youmaysetasidepretaxdollarsupto$325forTransitand$325forParking Youcanchangeyourmonthly electionatanytime.ThecommuterreimbursementaccountisadministeredbyThrivePass.
Eligible Transit expenses include transit passes and van pooling for travel between your residence and FreedomCare’s centralworklocationusingtrain,bus,subwayandferry,andLyftSharedridesinselectcities.EligibleParkingexpenses includepartingatornearwork,ornearaplacewhereyoutakepublictransportationtowork.
Lifestyle Spending Account (LSA)
FreedomCarewillbesettingasidefundstowardsaLifestyleSpendingAccount(LSA)throughThrivePass.TheLSAisan employer-funded, post-tax spending account, with eligible expenses and plan details customized by the employer, that promoteshealthyhabitsandoverallwell-being.
YoucanusefundstoshopfordiscountedservicesandproductsdirectlywithintheThrivePassMarketplaceorsubmit receiptstogetreimbursedforapprovedservicesyoupayfordirectly.
Dental Plan
Under the dental plans, administered by Guardian, your choice of dentistscandeterminethecostsavingsyoureceive Guardianhasoneof thenation’slargestselectionofnetworkdentists
IfyougotoadentistwhoisamemberoftheDentalGuardPreferred network, you can take advantage of the preferred provider discounted ratesandreduceyourout-of-pocketcosts.Youcanalsochooseadentist who does not participate with Guardian Dental and receive benefits applicabletoout-of-networkcare.
Visit wwwguardiananytimecom to search for providers in Guardian’s DentalGuardPreferrednetworks SelectPPO:DentalGuardPreferredas your“PlanType” Entera“Location,DentistLastName,orOfficeName” Thenclickonthebluebuttonwiththemagnifyingglasstosearch. Benefitmaximumsanddeductiblesrunonacalendaryear Whiletravelinginternationally,Guardianmemberscangetareferral toalocaldentistforimmediatedentalcarethroughtheinternational Dental Travel Assistance Program. This service is available 24/7, in over 200 countries. Coverage will be considered under the out-ofnetwork benefits. International Dental Travel Assistance services are administeredbyAXAAssistanceUSA,Inc.
Employees share in the cost of dental benefits. Employee contributionscanbefoundonpage24
Guardian Dental Maximum Rollover
Guardian’s Maximum Rollover is a dental insurance plan which allows you and your dependents to rollover a portion of your unused annual dental plan maximum into an individual Maximum Rollover Account (MRA) for future use. The MRA can be used in future years if a member reaches the plan’s annual maximum. If a member uses the services of preferred providers exclusively during the benefit year, Guardian will increase the amount credited to his or her MRA
To qualify, a member must have a paid claim (not just a visit) and must not have exceeded the paid claims threshold during the benefit year Each member’s MRA may not exceed the MRA limit
You and each of your insured dependents maintain separate MRAs based on their own claim activity You and your dependents can view their annual MRA statements online at www guardiananytime com
*Afterdeductible
LimitationsandmaximumsapplyPleaserefertotheGuardianplansummaryformoreinformationIfyouuseanout-of-networkprovider,youwillbe responsibleforanychargesabovetheGuardiannegotiatedfeesontheBaseplanorthereasonableandcustomaryamount(90thpercentile)ontheBuyUpPlan.
Vision Plan
Vision coverage is provided through Guardian (VSP - Choice network) In-network providers can be found on www.vsp.com/eye-doctor.ClickonFindanEyeDoctorandthensearchbylocation,office,ordoctor.Youcanalsocall 800-877-7195.
Employeesshareinthecostofvisionbenefits.Employeecontributionsforvisionbenefitscanbefoundonpage25.
IncludedintheContactLensAllowance.
Limitationsandmaximumsmayapply PleaserefertotheGuardianBenefitsSummaryformoreinformation
Network Benefits: Exam and materials copays and patient options are paid to the network provider by the plan participant.
Out-of-NetworkBenefits:Theplanparticipantpaysthefullfeetotheproviderandthemembersubmitsaclaimfor reimbursementofservicesrendereduptoamaximumallowance.Therearenocopays.
ElectiveContactLenses:Contactlensesareprovidedinlieuofeyeglasses(lensesandframes).
Necessary Contact Lenses: Are determine at the eye care provider’s discretion. If an out-of-network provider considerscontactsnecessary,membersshouldasktheirout-of-networkprovidertocontactGuardianconcerningthe reimbursementthatGuardianwillmakebeforetheypurchasesuchcontacts
Life Insurance (Company-Paid)
Basic Life / AD&D
LifeInsuranceprovidesyournamebeneficiary(ies)withabenefitintheeventofyourdeath.AccidentalDeathadDismemberment (AD&D) insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment(i.e.,thelossofahand,foot,oreye).Intheeventthatyourdeathoccursduetoacoveredaccident,boththeLifeand theAD&Dbenefitwouldbepayabletoyourbeneficiary(ies).
FreedomCareprovidesBasicLifeInsurancecoveragetwotimesyourBasicAnnualEarningstoamaximumof$200,000.This benefitisprovidedatnocosttoyouandisadministeredbyGuardian.
(Accordingtofederallaw,onlythefirst$50,000ofemployer-paidlifeinsuranceisnottaxable PremiumpaidbyFreedomCareforcoveragelevelsover$50,000willbetaxabletoyouandwillbe includedonyouryear-endW-2statement)
Voluntary Life (Employee-Paid)
Voluntary Employee Life / Accidental Death and Dismemberment (AD&D)
Employees have an opportunity to enroll in Voluntary Employee Life / AD&D in increments of $10,000 up to $500,000. All newly eligible employees below the age of 70 can enroll in voluntary life coverage up to $150,000 without evidence of insurability (no medical questions will be asked). Employees age 70 and over can provide evidence of insurability to be approved for amounts elected over $10,000. An AD&D provision applies to the Employee Life coverage, and will automatically match the life benefit elected Age reductions apply: 35% reduction of benefits at age 65 and an additional 15% reduction at age 70
Voluntary Spouse Life / AD&D
Employees also have an opportunity to enroll in Voluntary Spouse Life / AD&D in increments of $5,000 up to $200,000 (not to exceed 100% of Employee benefit). For newly eligible spouses under the age of 70, amounts up to $30,000 do not require your spouse to complete medical questions Spouses age 70 and above can elect up to $10,000 without evidence of insurability Spouse rates are based on age of spouse An AD&D provision applies to the Spouse Life coverage, and will automatically match the life benefit elected Age reductions apply: 35% reduction of benefits at age 65 and an additional 15% reduction at age 70
Voluntary Dependent Child Life / AD&D
YouwillalsobeallowedtoelectVoluntaryChildLife/AD&Dinincrementsof$5,000upto$25,000forchild(ren)14daysuptoage26with noquestionsasked(nottoexceed100%ofEmployeeelectedamount).
ToenrollinVoluntarySpouseLife/AD&Dand/orVoluntaryDependentChildLife/AD&D,youmustbeenrolledinVoluntary EmployeeLife/AD&D.
Pleasenote,lifeamountselectedovertheamountslistedabove,newelections,orincreasesinexistingcoveragemorethan$50,000duringannual openenrollment,orfirst-timeelectionsoutsideofinitialeligibilitywillrequiremedicalhealthstatementandapprovalbyGuardian Ifyourevidence ofinsurabilityisnotsatisfactorytoGuardian,youwillnothaveVoluntaryLifecoverage
Disability Insurance
Guardian administers our Disability Insurance benefit plans. FreedomCare pays the full cost of the Short Term and Long Term Disability. You are automatically enrolled in these benefits.
Short Term Disability (STD)
ShortTermDisability(STD)benefitsbecomepayablewhen you are unable to work due to an injury or illness unrelated to work. As long as you remain disabled and meet the plan’sdisability requirements,youwill continue toreceiveapercentageofyourearningsuntilthebenefit durationhasended.
Benefit Begins: After 7 days of a non-work related accident,disability,orillness.
Benefit Amount: 60% of your base weekly earnings will bepaiduptoamaximumof$2,500perweek
BenefitDuration:26weeks.
Long Term Disability (LTD)
Long Term Disability (LTD) benefits are provided as income protection in the event you become disabled for anextendedperiodoftime.Proofofdisabilityisrequired.
BenefitBegins:After180consecutivedaysofdisability.
BenefitAmount:60%ofyourbasicmonthlyearningsup toamaximumof$10,000permonth.
BenefitDuration:SocialSecurityNormalRetirementAge (SSNRA)
Notes:Pre-existingconditionlimitationsmayapplytocoverage
Worksite Benefits (Employee-Paid)
Accident - Administered by Combined
Worksite Benefits (Employee-Paid) Cont.
Critical Illness - Administered by Combined
TheaveragelifeexpectancyofpeoplebornintheU.S.hasimprovedto77.6 years. Although this is good news, the fact remains that as people live longer,thereisagreaterchanceforincurringaseriousillness.
Thecostsassociatedwithacriticalillnessdon’tendonceapersonleavesthe hospital.Recoveryisoftenlengthyandexpensive.
Employee Guaranteed Issue: $20,000
Family Coverage Available
Fully Portable Convenient Payroll Deduction
That’s why FreedomCare is excited to offer Critical Illness coverage, insurance designed to help ease the burden of unexpectedcoststhatusuallyaccompanymajormedicalconditions,costssuchas:
Lossofincome
Costforcareandtreatmenttravelexpenses
Privatedutynursing
Housepayments
Carpayments
Childcare
Critical Illness insurance is designed to come to the rescue of those budget-conscious families by paying a lump sum benefitforacoveredpersondiagnosedwithanyofthefollowingillnesses Youchooseyourbenefitamount Benefitsare alsoavailableforyourspouseandeligiblechildren Ratesaredeterminedbytheemployee’sageasoftheeffectivedateof coverage
Benign Brain Tumor
Cancer (Excluding Skin)
Multiple Sclerosis
Skin Cancer (One Time Payment)
Wellness Benefit (Payable once per year, per covered member)
Please note that the above benefits description is a brief summary and may not include all the details in the policy proposal Please refer to your contract for full benefits details
Worksite Benefits (Employee-Paid) Cont.
Hospitalization Indemnity - Administered by Guardian
Moststandardmedicalplansdonotcoverallthecostsofahospitalstay.Somany findhospitalbenefitsagoodwaytoleavethehospitalhealthybothphysicallyand financially.Thisplanprovidesacashbenefitpaiddirectlytoyouandcanbeused tohelppayfortheout-of-pocketexpensesyourmedicalplanmaynotcover.
Now you can purchase additional benefits to help pay for hospital and other care This voluntary hospital
insurancecanhelpyouandyoureligiblefamilymemberwhentheyneeditmost
Thispolicypaysaspecifiedamountforeachdayaninsuredpersonisconfinedtothehospitalandcanprovidebenefitsfor arangeofothermedicalsituation.Benefitpaymentsgostraighttoyouunlesstheyareassignedtohealthcareproviders.
Thispolicyoffers:
Benefitsforbenefits-eligibleemployees
Nocoinsurance,co-pays,waitingperiod,ordeductibles
Nohealthquestions,exams,orbloodtests
Minimumpayroll-deductedpremiumof$19.11permonthfortheemployeesinsurancebenefits
Benefitspaidinadditiontoanyotherinsurancetheinsuredmayhave Nopre-existingconditionlimitations
Worksite Benefits (Employee-Paid) Cont.
Whole Life - Administed by Colonial
There is no way to know what will happen tomorrow But there is a way to help ensure you are protected against the unexpected. Our life insurance offering through Colonial provides a robust, individually-owned policy with guaranteed protectionstosupportyourfamily’slong-termsecuritygoalsintheeventofyour prematurepassing.
Astheeventsinyourlifechange(marriage,birthofachild,newjob,retirement,ormedicalemergency),sodoyourlife insurance needs. A universal life insurance policy has the flexibility to adjust to your family’s changing needs. You can choosetoparticipateintheprogramandselecttherightinsurancelevelforyourownindividualorfamilyneeds-withjust onepolicy
Ourlifeinsuranceplanofferslastingsecuritywithguaranteedpremiums,cashvalue,anddeathbenefitsuptoage100. You can select a fully paid-up plan by age 65 or 95, providing financial peace of mind Family options allow you to add spouseandchildcoverage,whileanaccelerateddeathbenefitsupportsyouwithearlyaccesstofundsifdiagnosedwitha terminalillness.Plus,a$3,000immediateclaimspaymentensuresquickfinancialsupportforlovedoneswhenit’sneeded most.
AflexibleColoniallifeinsurancepolicycanhelpensurethatyouarediligentlyworkingtoaddressyourcurrentandlongtermfinancialneeds Thisinsurancehasoptionswhichallowforacontinuationofinsurance,allowingyoutokeepyour policyafterretirementortakinganotherjob,ifyoucontinuetopaytheirpremium.
Plan Benefits
Paid-Up at Age 65 Plan
This policy is paid-up at the original face value amount when the insured reaches age 65, with no additional premium due.
Paid-Up at A
This policy is paid-up at the original face value amount when the insured reaches age 95, with no additional premium due.
Wellness and Perks
Happy-Go-Healthy Wellness Program
Promoting Preventive Care: Happy-Go-Healthy provides a comprehensive initiative that focuses on promoting preventive care. Designed to empower you to take control of your health and well-being by engaging in regular preventive care practices
Wellness Challenges: Happy-Go-Healthy provides engaging, challenging, and fun competitions to motivate movement, and adoption of healthier behaviors with the addition of incentives such as rewards, recognition, or prizes for achieving wellness goals.
Wellness Education: Happy-Go-Healthy provides nextgeneration educational resources, workshops, and seminars on various wellness topics such as nutrition, stress management, physical activity and mental health
Internet Reimbursement
TicketsatWork
Your work-life balance and general well-being are as important to us as the work you contribute That’s why we’re excited to offer the TicketsatWork Discount Program, your one-stop-shop for exclusive and convenient savings on the products, services, and experiences you know and love.
It’s cost-free and easy to enroll. Just visit TicketsatWork.com, click Become a Member, and use the company code FreedomCare58 and your work email to create an account and to begin receiving discounts on: Electronics Appliances Theme Parks Hotels
Movie Tickets Rental Cars Apparel Cars Groceries Special Events And More!
Duetoourworkfromhomeflexibility,wewanttohelpouremployeesstayconnected.Weunderstandthateveryone maynothaveaccesstohighspeedinternetlikewedoinouroffices.Wewanttomakesureyouhavealevelofinternet speedthatsupportsgreatwork.Formanyofus,thismeansupgradingourinternetconnectionsathome:
Thefastplanisusually$30-40/monthandthespeedsrangefrom100-200mbps.
Thefasterplanisusually$60-65/monthandthespeedsrangefrom300-500mbps.
Thefastestplanisusually$80+/monthandthespeedsrangefrom900-1000mbps.
Howtoqualifyforthebenefit:
1Upgradetothemiddletieroftheplanofferedbyyourprovider(300-500mbps). .
3.
2SubmitproofofthatplantoAccountingalongwiththisform. . Wewillprocessa$30monthlyreimbursementtowardyourcostofinternet,automaticallyaddedtoyourpaycheck. ThisreimbursementisTAXFREE(yay!).
Gym Reimbursement
Forallemployees,youmaybereimbursedfor50%ofyourgymmembership,upto$150/year ReachouttopayrollHQ@freedomcarenycomwithquestions
Retirement Plans
At FreedomCare, we match 100% of your contributions to your 401(k) account up to 3% of your earnings, and we will match 50% of any contributions above 3% to a maximum of 5% of your earnings.
This means if 3% of your salary = $1,000 and you contribute that amount, FreedomCare will contribute an additional $1,000 (yes, free money!). We offer three different plan options through Principal:
401(k) Retirement Savings Plan
Through an employer-provided 401(k) account, you are able to contribute a portion of your pre-tax paycheck to a tax-deferred investments. This reduces the amount of income you must pay taxes on each year. Investments are taxed upon withdrawl
Roth 401(k)
You make Roth 401(k) contributions with money that has already been taxed just as you would with a Roth individual retirement account (IRA). Any earnings then grow tax-free, and you pay no taxes when you start taking withdrawals in retirement.
Non-Qualified Deferred Plan
We also offer a Non-Qualified Deferred Plan (NQDP) for those that are in need of deferring a greater percentage of their compensation
2025 Employee Contributions
Effective January 1, 2025 - December 31, 2025
Contributions made from each paycheck toward your medical, dental, and vision benefit elections, as well as contributions to Health Savings Account and Flexible Spending Accounts, will automatically be deducted from your gross pay before Federal Income taxes and Social Security taxes are calculated. Since these contributions are deducted before your pay is taxed, your taxes will be based on a lower gross pay and you will end up paying lower taxes on the same salary. Contributions are made on a bi-weekly basis (26 pays per year).
Medical (Bi-Weekly)
