2024 Open Enrollment and Benefits Guide by merchantsautomotivegroup

2024 Open Enrollment & Benefits Guide Page 1

Welcome A MESSAGE FROM OUR CHAIRMAN, CEO & PRESIDENT I am pleased to share with you our updated Open Enrollment and Benefits Guide for 2024, a resource detailing Merchants employee benefits and wellness supports. We believe that physical health, mental resilience, and financial security are all important aspects of a healthy and balanced you. And your well-being is central to your endurance, and our organization’s continued success. Please take some time to review this benefits guide and use the opportunity to make the right decisions and elections for you and your loved ones. I also encourage you to attend our Open Enrollment Kickoff or stop by an Open Enrollment Pop-Up if you have specific questions (new for 2023!). Thank you for all you do, and your continued dedication to Merchants. .

Brendan P. Keegan

Contents 3 Useful Contacts

4 Eligibility and Enrollment 5 Introducing HealthJoy 6 Medical Plans 7 Medical Plans – Additional Information 8 Health Reimbursement Arrangement (HRA) 9 Health Savings Account (HSA) 10 Flexible Spending Accounts (FSA) 11 Dental Plans 12 Vision Plan 13 Life Insurance & Disability 14 Employee Assistance Program 15 401(k) Plan 16 Mind Body Soul 17 360 Wellness 18 Introducing Lifeline 19 Fleet Holiday Schedule 20 Auto Holiday Schedule 21 Required Notices 22 Key Dates

Useful Contacts Contact or Vendor

Phone

Benefits Manager

P: 603-836-6526 F: 603-218-6835

Member Services: 877-906-5730

Medical & Rx

Pharmacy: 800-334-8134

Website & Email

hr@merchantsfleet.com

https://healthplansinc.com/members/member s-secured/

800-401-3539

https://myhealthaccountsolutions.voya.com/ HASinfo@voya.com 1-833-232-4673

800-832-5700

https://portal3.nedelta.com/BenefitLookup17/ Account/SubrLogin

800-835-5095

www.401k.com

888-937-4783

https://login.standard.com/register

844-225-3407

https://member.eyemedvisioncare.com

FSA/HSA

Dental

401(k)

Life/Disability

Vision Page 3

Eligibility & Enrollment

At Merchants, we pride ourselves with providing you and your family a comprehensive array of benefits to protect your health, your family and your way of life. Here are some important things to know….. Eligibility:  All full-time, permanent employees are eligible for Medical, Dental, Vision, Life & Disability & Paid Time Off  All employees (Full, Part & Limited) are eligible for the Merchants 401k Plan Dependent Coverage: For dependent eligible benefits, eligible Family Members are:  Your legally married spouse  Your Registered Domestic Partner (RDP) and their children, where applicable by state and federal law  Your children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody under the age of 26. Disabled children aged 26 or older who meet certain criteria may continue your health coverage. Enrollment  New Hires are eligible for benefits on the first of the month following date of hire.  401k eligibility is date of hire  Open enrollment is offered in November each year to provide you the opportunity to edit your elections for a January 1st start date.  Life Events have a 30-day window from the date of the event for you to be able to add or edit your current benefits.  Enrollment is completed in our HRIS system, UKG, and on Fidelity’s website (401k). Types of Life Events:  Marriage or divorce  Birth or adoption of a child  Child reaching the maximum age limit  Death of a spouse, Registered Domestic Partner (RDP), or child  Change in child custody  Change in coverage election made by your spouse/RDP during his/her employer’s Open Enrollment period  You lose coverage under your spouse’s/RDP’s plan

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Introducing HealthJoy HealthJoy Healthcare Navigation HPI has partnered with HealthJoy to provide you with access to the

HealthJoy healthcare navigation mobile app. HealthJoy will serve as

your virtual access point for all your healthcare and employee benefit needs. Get connected with the right benefits at the right moment in

your care journey to help you save time, money and frustration. And here's the best part: it's free for you to use!

Chat with Joy! JOY is HealthJoy's virtual AI assistant and you can call on her 24/7. JOY works hand-in-hand with HealthJoy's healthcare concierge team to help you find in-network doctors, prescription savings, answer benefit questions, and more!

To get started, simply open the app and tap "chat" in the menu.

Ask your questions directly through the chat feature and JOY will

answer them or connect you with a live representative from HealthJoy.

BENEFITS WALLET

“

HEALTHCARE CONCIERGE

RX SAVINGS REVIEW

APPOINTMENT BOOKING

PROVIDER RECOMMENDATIONS

It saved me the time I would have spent Googling results, calling specialists, and searching for an appointment. Instead, I just put in the request, and HealthJoy did the work. The app is like my little assistant! Veronica, AZ

”

Chat with us today by logging into the HealthJoy app or call (877) 500-3212 Page 5

Medical Plans Merchants partners with HPI to provide two PPO plan options with nationwide coverage. Both plans offer the same networks, coverage and prescription coverage. To find a provider visit the HPI Provider Lookup and choose PPO for the plan. Option 1: PPO with HSA Expenses on this plan apply to your deductible first before the plan begins covering expenses. Please note that preventative care (annual check up, cancer screenings, etc.) are covered at 100%.

Option 2: PPO with HRA This is a traditional copay style plan. Most services have a flat payment for services, including prescriptions. Please note that preventative care (annual check up, cancer screenings, etc.) are covered at 100%.

You will have an HSA with this plan - find more information in the Health Savings Account section of this booklet.

You will have an HRA with this plan - find more information in the Health Reimbursement Arrangement section of this booklet.

PPO with HSA

PPO with HRA

Employee + Employee Only Dependent(s) $2,000 $4,000 100% 100%

Deductible Preventative Care Coinsurance* 80% / 20% 80% / 20% (HPI / EE) Office Visit 20% after ded. 20% after ded. Specialist 20% after ded. 20% after ded. Urgent Care 20% after ded. 20% after ded. Emergency Room 20% after ded. 20% after ded. OOP Max (Fam) $4,000 $8,000 Prescription Drugs Generic 10% after ded. Brand 20% after ded. Non-Formulary 30% after ded. Specialty 30% after ded Mail Order 10% after ded for 90 day supply

Employee Only

Employee + Dependent(s) $3,000 100%

Deductible $1,500 Preventative Care 100% Coinsurance** 80% / 20% 80% / 20% (HPI / EE) Office Visit $30 Copay $30 Copay Specialist $50 Copay $50 Copay Urgent Care $30 Copay $30 Copay Emergency Room $150 Copay $150 Copay OOP Max (Fam) $3,000 $6,000 Prescription Drugs Generic $10 Brand $30 Non-Formulary $40 Specialty $100 Mail Order 2x for 90 day supply

*Applies to all covered services once deductible is met. ** Applies to all non-copay covered services once deductible is met. See Plan Summary for more detailed information and out-of-network benefits.

Bi- Weekly Contributions PPO with HSA PPO with HRA Employee

Merchants

Employee

Merchants

Employee

$40.59

$337.71

$65.56

$340.21

Employee + 1

$75.42

$648.15

$125.87

$653.21

Employee + 2 $116.09 $965.86 $187.50 $973.02 or more ***An additional $19.00 (bi-weekly) per employee and spouse/domestic partner will be applied to these rates for those that use tobacco products.

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Medical Plans - Additional Information Opt-Out Incentive

Already have medical coverage? Opt-out of participating in Merchants’ health plan and receive $80/pay period ($2,080 annually). Proof of current coverage is necessary and can be emailed to hr@merchantsfleet.com

Domestic Partner

You may add a Domestic Partner to all dependent eligible benefits. Complete and return the Affidavit found on Merchants Central. See HR for Details. Note: Taxation does apply

Tobacco Use Surcharge

There is a $19 surcharge bi-weekly for employee and/or spouse/DP tobacco use. This includes, but is not limited to cigarettes, cigars, vape & chewing tobacco. Merchants provides different options and assistance for smoking cessation. Please see the Wellness area of Merchants Central for more information

Financial Aid Toward Medical Plan Premium

Merchants provides financial aid for eligible employees enrolled in the medical plan:  

For Single enrollment, employees earning less than $40,000 are eligible for $30/pay period towards premium.* For Dual or Family Enrollment, employees earning less than $50,000 & are the primary wage earner are eligible for $60/pay period towards premium* *Those who earn commission are not eligible.

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Health Reimbursement Arrangement PPO with Health Reimbursement Arrangement (HRA)

What is an HRA? Employer Funded

Merchants funds the account through HPI on your behalf

Pays for Deductible Expenses

Once you’ve met your deductible responsibility, the HRA will pay the remaining balance

Automatic Administration

Claims are paid on your behalf. There’s no administration on your end

What services apply to your deductible?

Surgery

Lab Work

Scans & X-Ray

Inpatient Stays

Ambulance Service

2024 Contributions Employee Deductible Responsibility

HRA Deductible Responsibility

Total Deductible

Employee Only

$1,000

$500

$1,500

Employee + Dependent(s)

$2,000

$1,000

$3,000

Coverage Level for Medical

* Employee responsibility occurs first, HRA responsibility occurs second

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Health Savings Account PPO with Health Savings Account (HSA) plan

Highlights of an HSA: 1. 2. 3.

Triple Tax Advantaged

Tax Free Contributions Tax Free Interest Tax Free on Eligible Purchases (Debit Card provided)

Employer Contributions

Merchants will contribute a guaranteed amount bi-weekly

Take it With You

If you leave Merchants, the account remains accessible for you to use

What can I use my Health Savings Account for?

Medical

Pharmacy

Dental

Vision

First Aid & OTC Products

2024 Contribution Limits Coverage Level for Medical

Bi-Weekly Employer Contribution

Maximum Employee Contribution

Total Contribution

Employee Only

$19.23/Pay Period ($500 Annually)

$3,650

$4,150

Employee + Dependent(s)

$38.46/Pay Period ($1,000 Annually)

$7,300

$8,300

* Employees who are 55+ can contribute an additional $1,000 * Beneficiaries are recorded in UKG and can be updated anytime. Page 9

Flexible Spending Accounts What is an FSA?

An account that uses pre-tax funds to pay for eligible expenses. You must have a valid mailing address to enroll - PO boxes are not eligible.

How does it work?

You will receive a debit card in the mail that will need to be activated and will be invited to create an online account here.

Which FSA is for me?

Please review the below chart to find which plan will work best for you:

Health FSA

Limited Purpose FSA

Dependent Care FSA

Merchants Health Plan Election

PPO w HRA Waived Medical

PPO w HSA Only

All Plans

Eligible Expenses

Medical, Pharmacy, Dental, Vision, and First Aid/OTC Products

Dental & Vision Only

Childcare & Eldercare*

Maximum Annual Contribution

$3,200

$2,500/$5,000**

Front-Loaded Balance

Yes

Carryover or Grace Period

Use it or Lose it $640 Carryover

Use it or Lose it Grace Period

Spend Down Date

12/31 of Plan Year

3/15 following Plan Year

*Eligible dependents must be under the age of 13 for services such as day care, preschool, summer camps and non-employer-sponsored before or after school programs. Tax dependents age 13 and older are also eligible if they are physically or mentally incapable of self-care and reside in the employee’s home at least half the year. **2,500 for married people filing separately or $5,000 single taxpayers and married couples filing jointly. Page 10

Dental Plans

Merchants partners with Northeast Delta Dental to provide two PPO plan options with nationwide coverage. To find a provider visit the Northeast Delta Dental Provider Search and choose either the PPO or Premier Network.

Service

Core Plan

Ortho Plan

$1,500

4 Cleanings per year 100% Coverage on Preventive Care 60% Coverage on Basic Services 50% Coverage on Basic Services 60% Coverage on Major Services 50% Coverage on Major Services Orthodontic Services Benefit Maximum Per Participant Orthodontia Maximum Per Participant (Child & Adult Coverage)

$2,000

Bi- Weekly Contributions Core Plan

Ortho Plan

Employee

Merchants

Employee

Merchants

Employee

$5.95

$13.19

$8.58

$13.19

Employee + 1

$10.22

$25.41

$15.27

$25.40

Employee + 2 or more

$16.43

$44.21

$28.56

$44.21 Page 11

Vision Benefits

Merchants partners with EyeMed to provide voluntary, employee paid Vision benefits. Vision exams are covered once every two years on the HPI Medical Plan. EyeMed helps by providing coverage for glasses and contacts along with other services. Eye Exams

$10 Copay; Offered annually with or without dilation

Frame Allowance

Available every 2 years $120 or 80% over $120

Lenses and Additional Options

$25 Copay for Standard Lenses; Additional copays for other options

Contact Lens Allowance

$135 annually Can be used alongside frame benefit

Laser Vision Correction

Free Lasik exam, 15% off standard prices, and lifetime enhancements

Find a Local Provider

www.eyemed.com 866-723-0596

Bi-Weekly Premium Employee Only

$3.08

Employee +1

$5.83

Employee +2 or more

$8.57

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Life Insurance & Disability Company Paid Benefits Basic Life & AD/D Insurance

• Life insurance policy equal to 1x your annual salary to a maximum of $150,000 • Coverage is updated annually to reflect W2 Gross earnings

Short Term Disability

 Provides 66.67% of your bi-weekly pay (max. $4,000/wk.)  Covers up to a 12 week leave of absence after completing the 7-day waiting period.

Voluntary Benefits Supplemental Life& AD/D Insurance

 You can elect 1x, 2x, or 3x, your salary in coverage  Guaranteed issued amount is $100,000  Spousal coverage is up to $100,000  Guaranteed issue amount is $30,000  Child coverage is $10,000

Long Term Disability

 Provides 60% of your monthly pay (maximum $7,500/month)  Payments begin after 13 weeks of disability  Benefit reduction occurs when eligible for social security

Filing a Short-Term Claim To file a

To file a short-term claim, contact The Standard at 800-368-2859 *Please notify the Benefits Manager prior to starting a claim with the Standard

Beneficiaries Beneficiaries are recorded in our HRIS (UKG) and can be updated at anytime Page 13

Employee Assistance Program

A helping hand when you need it.

Rely on the support, guidance and resources of your Employee Assistance Program. There are times in life when you might need a little help coping or figuring out what to do. Take advantage of the Employee Assistance Program,1 which includes Worklife Services and is available to you and your family in connection with your group insurance from Standard Insurance Company (The Standard). It's confidential - information will be released only with your permission or as required by law.

Connection to Resources, Support and Guidance

You, your dependents (including children to age 26)2 and all household members can contact the program's master's-level counselors 24/7. Reach out through the mobile EAP app or by phone, online, live chat, and email. You can get referrals to support groups, a network counselor, community resources or your health plan. If necessary, you'll be connected to emergency services.

Your program includes up to three counseling sessions per issue. Sessions can be done in person, on the phone or through video. EAP services can help with:

Contact EAP

Depression, grief, loss and ® emotional well-being

888.293.6948

�

m * �

�

�'

�

(TTY Services: 711)

24 hours a day, seven days a week

Family, marital and other relationship issues

healthadvocate.com/standard3

Life improvement and goal-setting Addictions such as alcohol and drug abuse

NOTE: It's a violation of your company's contract to share this information with individuals who are not eligible for this service.

Stress or anxiety with work or family Financial and legal concerns Identity theft and fraud resolution Online will preparation and other legal documents

Worklife Services

With EAP, personal assistance is immediate, confidential and available when you need it.

Online Resources

Visit healthadvocate.com/standard3 to explore a wealth of information online, including videos, guides, articles, webinars, resources, self-assessments and calculators.

Worklife Services are included with the Employee Assistance Program. Get help with referrals for important needs like education, adoption, daily living and care for your pet, child or elderly loved one.

1 The EAP service is provided through an arrangement with Health Advocate5M, which is not affiliated with The Standard. Health Advocate5M is solely responsible for providing and administering the included service. EAP is not an insurance product and is provided to groups of 10-2,499 lives. This service is only available while insured under The Standard's group policy. 2 Individual EAP counseling sessions are available to eligible participants 16 years and older; family sessions are available for eligible members 12 years and older, and their parent or guardian. Children under the age of 12 will not receive individual counseling sessions.

Standard Insurance Company 1100 SW Sixth Avenue, Portland, OR 97204 standard.com The Standard is a marketing name for StanCorp Rnancial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

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401k - 2024 Plan Details Plan Administrator & Eligibility

2024 Maximum Contributions

 Provider: Fidelity Investments (www.401k.com)

 2024 IRS Maximum

 Available to Full-Time, Part-Time & Limited Employees  Eligible to begin participating on Date of Hire  Traditional Pre-Tax & Roth Post-Tax option available

<50 years old: $23,000 >50 years old: $30,500  New hires who have contributed to a different employer’s 401k during plan year must consider amount already contributed YTD to not exceed the annual IRS maximum

Company Match & Vesting

Loans

 Merchants will make a 4.5% Employer Match when you contribute 6% or more

 One general loan can be active at a time  Process your request through the NetBenefits portal  You’re still able to contribute to 401(k) while loan is outstanding

Match Formula  100% of first 3% of your eligible contribution  50% of the next 3% of your eligible contribution  100% Vested

 Hardship loans are available for specific circumstances  See HR for assistance

Auto-Enrollment

My NetBenefits App & Online Portal

 Employees are auto-enrolled after 30 days of employment at 6% • Defaults to a Target Date Retirement Fund  Changes to your contributions and investment options can be completed anytime using the NetBenefits App or Online Portal.

Confidential

 Set up your online access at www.401k.com  Establish your contributions & investments  Assign your Beneficiary(ies)  Process a loan request  Explore live & pre-recorded webinar series

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Mind Body Soul Merchants refreshed and simplified its Wellness Program around three pillars: Mind, Body, and Soul. This holistic approach recognizes the importance of the whole self and the different care we all need for our personal well-being. We are pleased to share our Mind, Body, and Soul resources and support with you. Prioritizing and taking care of our mental well-being is essential for achieving overall wellness and a better quality of life. Explore our related benefits below: • Behavioral Health through HPI • Employee Assistance Program (EAP) • Merchants Lifeline • Financial Wellness Seminars • MerchantsiQ

Physical fitness is essential for good health, disease prevention, and optimal physical performance. Learn about our related benefits below: • 360 Wellness • Nutrition in Motion No-Cost Nutrition Counseling • Onsite Gym, Basketball Courts, and Pickleball Courts • Preventative Care Incentive = 50 Points • Healthy Activity Incentive = 200 Points

Nurturing the soul is important for achieving inner peace, purpose, and a sense of fulfillment in life. Explore our related benefits below: • Ambassadors & Allies • Employee Resource Groups • Merchants Gardens • DE&I Virtual Events • Merchants Service Projects

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360 Wellness is a holistic approach to health and well-being. This comprehensive online platform offers a wide array of resources designed to help you achieve a balanced and fulfilling lifestyle. This platform is tailored to support your journey toward optimal wellness through recipes, physical challenges, coaching videos, and much more. Whether you're looking to build a healthier body, reduce stress, enhance mindfulness, or embark on a journey of self-discovery, the 360 Wellness Portal provides the tools and guidance you need to thrive in all aspects of life. CHECK THIS OUT

IN THE KITCHEN The Wellness Lounge provides a wealth of valuable content, including cooking videos, meal prep guides, recipes, and much more. Whether you're a seasoned chef or a novice in the kitchen, there is something to offer everyone, making it an indispensable resource for those looking to improve their quality of life.

WORKOUTS The Wellness Lounge holds a diverse and extensive collection of workout videos, including mobility, strength training, cardio, and more. Whether you prefer a general strength session, or a HIIT workout that gets your heart pumping, you'll find a wide variety of options to keep you engaged and motivated.

COACHING VIDEOS The Wellness Lounge offers a vast array of coaching videos covering a wide range of topics to help users improve their physical, mental, and emotional health. Whether you're seeking guidance on nutrition, fitness, stress management, or mindfulness, it serves as a onestop destination for all your wellness needs.

FOLLOW 360 WELLNESS

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Introducing Lifeline Your Employee Assistance Fund We are excited to announce the launch of a new program called “Lifeline,” designed to provide confidential and timely financial hardship assistance to those among us who may be facing unexpected financial challenges. When large scale federal disasters or personal hardships occur, Lifeline is here to help you and your family cope with and quickly recover from consequential financial hardships and stress. How Does Lifeline Work? Lifeline operates in partnership with a reputable nonprofit organization that specializes in providing assistance during financial crises. When employees in crisis apply for support, they will engage directly with America’s Charities, a 501(c)3 nonprofit with 40 years of proven charitable funds management expertise. This process guarantees the confidentiality and impartiality of your application, free from judgment. Grants will be awarded as soon as possible to those individuals who meet the prescribed eligibility criteria. Lifeline grants are tax-free – allowing us to provide maximum support to employees quickly. Why Lifeline Matters? Lifeline represents our dedication to a culture of community and support, offering extra peace of mind in challenging times and when our endurance is tested. Lending a Helping Hand We also believe in the strength of our Merchants community. On a completely voluntary basis, of course, Lifeline will also offer the opportunity to contribute to this assistance fund if you would like to do so and are in a position to help colleagues in need. We are excited to launch this new program and look forward to the positive impact it will have. Stay tuned for additional details in the coming weeks. Page 18

Holiday Schedule

2024 Fleet & Corporate The following paid holidays will be granted to all eligible employees



  

Eligible full-time employees who are entitled to holiday pay are those who:  Worked the day before and after the scheduled Holiday, unless PTO was approved prior to the holiday by your manager Employees who are scheduled for work on a holiday and fail to report for and perform the day’s work, shall not receive holiday pay. Holiday pay of eight (8) hours will be calculated at the employee’s current hourly rate. Due to the nature of the automotive business, management reserves the right to alter this holiday schedule as it deems necessary to accommodate the public.

Date

Holiday

Monday, January 1st

New Year’s Day

Monday, May 27th

Memorial Day

Wednesday, June 19th

Juneteenth

Thursday, July 4th

Independence Day

Monday, September 2nd

Labor Day

Thursday, November 28th

Thanksgiving Day

Friday, November 29th

Post-Thanksgiving Day

Tuesday, December 24th Wednesday, December 25th

Christmas Eve Christmas Day

Key Notables

Early Office Close at 3pm on Wednesday, July 3rd. Early Office Close at 3PM on Wednesday, November 27th

FLOATING HOLIDAYS (2)

To be taken as an additional holiday and needs to be approved prior to using the time. Floating holiday may be used by an employee as requested subject to approval by their manager. Employees must be employed prior to October 1st of the current calendar year to receive a floating holiday. Please Note: You must receive manager approval to use your Floating Holiday and any additional PTO days in advance. Thank you! Page 19

Holiday Schedule

2024 Auto & RDFS The following paid holidays will be granted to all eligible employees



  

Date

Holiday

Key Notables

Monday, January 1st

New Year’s Day

Sunday, March 31st

Easter Sunday

Retail division open 10-4 on 12/31 Closed – Not a paid holiday

Monday, May 27th

Memorial Day

Retail division open 10-4

Wednesday, June 19th

Juneteenth

Thursday, July 4th

Independence Day

Retail division open regular hours Closed

Monday, September 2nd

Labor Day

Retail division open 10-4

Thursday, November 28th

Thanksgiving Day

Closed

Friday, November 29th

Post-Thanksgiving Day

Tuesday, December 24th

Christmas Eve

Retail division open regular hours Closed

Wednesday, December 25th FLOATING HOLIDAYS (2)

Christmas Day Closed To be taken as an additional holiday and needs to be approved prior to using the time. Floating holiday may be used by an employee as requested subject to approval by their manager. Employees must be employed prior to October 1st of the current calendar year to receive a floating holiday. Please Note: You must receive manager approval to use your Floating Holiday and any additional PTO days in advance. Thank you! Page 20

Required Notices Information regarding these notices may be found on Merchants Central in the Benefits folder or by contacting Human Resources at hr@merchantsfleet.com     

COBRA Information HIPAA Information Medicare Part D CHIPRA Information Affordable Care Act (ACA)

    

Summary Plan Document Newborns and Mothers Health Protection Act Notice Women’s Health & Cancer Rights Act of 1998 (WHCRA) Summary of Benefits Coverage (SBC) Summary Annual Report

Important Note: The material enclosed is for informational purposes only and is neither an offer of coverage or medical or legal advice. It contains only a partial description of the plan or program and does not constitute a contract. Please refer to the Summary Plan Description (SPD) for complete plan details. In case of a conflict between your plan documents and this information, the plan documents will always govern. Annual Notices: ERISA and various other state and Federal law requires that employers provide disclosures and annual notices to their plan participants. The company distributes all required notices electronically annually.

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Key Dates      

November 6 – Open Enrollment Kick-Off Presentation November 7 – Start of Open Enrollment November 8 – HQ Open Enrollment Pop-Up November 9 – Auto Open Enrollment Pop-Up November 10 – Virtual Open Enrollment Pop-Up November 17 – End of Open Enrollment

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