TOTAL WELLNESS Commitment
WELCOME to Your Teammate Wellness Guide
The text contained in this summary was taken from various summary plan descriptions and benefit information. While every efort was made to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the summary 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 any questions about this summary, contact Human Resources.
TABLE of CONTENTS
page 4
#WOWBEING BREAKDOWN
Explanation of Four Sections / 4
Summary of Benefits / 6
Eligibility / 10
Contact Information / 11 page 12
PHYSICAL
Medical Coverage / 14
Pharmacy Coverage / 19
Dental & Vision Coverage / 22
Premiums / 23
Health Savings Account / 24
Flexible Spending Accounts / 25
Group/Voluntary Life / 26
Long Term Disability / 27
Supplement Benefits / 28
Air Med Care / 30
Corporate Membership / 31 page 33
MENTAL/EMOTIONAL
Wellness by MuuvWell / 34
Teammate Assistance Program / 35
Helplines, Text Lines, and Online Chats / 36 page 38
FINANCIAL/PROFESSIONAL
Investment Planning, Teammate Development, and More / 40 page 42
SOCIAL/COMMUNITY
Teammate & Community Engagement, Travel Assistance, and More / 44 page 46
GLOSSARY RESOURCE
#WOWBE ING BREAKDOWN
PHYSICAL WELLNESS
Paducah Bank is committed to offering Health, Vision, Dental, Life/AD&D, and supplemental insurance products to help you and your family stay healthy. Through our partnerships with local providers, we will advocate for your health needs.
MENTAL/EMOTIONAL WELLNESS
Knowing that a healthy mind and heart are the foundation for a happy and productive life, Paducah Bank is proud to offer you benefits including FTO (Flexible Time Off ), 11 paid holidays/year, and a Teammate Assistance Program (TAP) that offers an affordable way to access profes sional counseling for you and/or your family.
FINANCIAL/PROFESSIONAL WELLNESS
Being in the financial industry, Paducah Bank wants to ensure that our teammates feel the same level of financial empowerment that we want our customers to feel. We offer Teammate Education + Development opportunities, Ownership and Investment opportunities, College Planning, Discounts on Mortgages/Loans, Discounts on Legal Services via our relationship with Denton Law Firm, Safety Deposit Box, Company Store usage, and other insurance products.
SOCIAL/COMMUNITY WELLNESS
Paducah Bank is committed to ensuring that our culture of community is felt year-round. To accomplish this, we offer fun gatherings for our teammates and their families throughout the year. Community involvement is a core part of our culture. The Bank supports participation on local boards and service initiatives and maintains a strong partnership with the United Way of Western Kentucky through payroll giving, donation drives, and hands‑on service. page 4
SUMMARY OF BENEFITS for Full-Tme Teammates
PHYSICAL WELLNESS BENEFITS
Health, Vision, and Dental Insurance
Afer 60 days’ employment, full-time and 130-hour/ month teammates become eligible to participate in our group health, vision, and dental insurance plans ofered through Nova Healthcare with the Cigna Medical Network, and Disclosed Rx. The health, vision and dental plans are efective on the first day of the month following the teammate’s 60th day. Teammates participate in a Section 125 pre-tax premium plan for their share of monthly health, vision, and dental premiums through payroll deductions.
Teammates covered under Paducah Bank’s group health plan also enjoy wellness benefits through our partnerships with HealthWorks Medical LLC, BluMine Health Clinic, MuuvWell, and Risk Strategies. Benefits include access to a clinical care coordinator, free annual physical exams, free preventative and urgent care clinic visits, free one-on-one wellness coaching, and onsite physical and mental health fairs and events.
Health Savings Accounts are also available for those teammates participating in our group health plan, allowing for pre-tax payroll contributions from the teammate (limits established by the IRS) and including employer contributions into the account ($166.67/month for the single coverage and $333.33/month for joint coverage).
Life, Accidental Death and Dismemberment, Long Term Disability Insurances
Group Life Insurance coverage is 2.5 times annual salary up to $400,000.
Group Accidental Death and Dismemberment coverage is 2.5 times annual salary up to $400,000.
Long Term Disability coverage is 60% of monthly salary up to $5,000.
Supplemental Insurance Benefits
Teammates receive access to supplemental worksite insurance such as accident, cancer, disability and more. Teammates also receive medical travel insurance with OneAmerica.
MENTAL/EMOTIONAL WELLNESS BENEFITS
Flexible Time Of
Flexible Time Of (“FTO”) is awarded afer 90 days of service, and is to be used at the full-time teammate’s discretion while coordinating with their co-workers and team leader, for illness, doctor’s visits, vacation, and personal leave.
Holidays
Full-time teammates receive 11 paid holidays annually.
Teammate Assistance Program
Teammates and members of their families receive up to six free, confidential visits per year with professional counselors/therapists/psychologists through Psychological Associates of Paducah, Inc. We also provide access to ComPsych resources through OneAmerica.
FINANCIAL/PROFESSIONAL WELLNESS BENEFITS
Ownership and Investment Planning
Paducah Bank ofers investment planning through our KSOP (401K and Employee Stock Ownership Plan), including company contributions
and matching (3% of the first 6% deferral) as defined in the Summary Plan Description. Paducah Bank also provides access to professional financial advisors through our Paducah Financial Consultants team, at no cost to the teammate.
Teammate Education and Development
Teammates have the opportunity to participate in a variety of development resources, both internally and externally, in order to increase skill level and aid them in long-term career and personal development. Opportunities include access to banking schools, webinars and conferences, as well as tuition assistance for advanced educationrelated fees through accredited universities and colleges. Resources include Mindfulness-Based Emotional Intelligence classes, coaching/ mentoring opportunities, and more.
Personal Home Mortgage Benefit
Teammates receive a personal home mortgage benefit equal to .50% of the amount of their mortgage loan to be used for closing costs or to buy down the interest rate.
College Planning
Paducah Bank sponsors a College Savings (529) Plan, enabling the teammate to save for a loved one’s future educational expenses. The plan is established with American Funds, and is set up by a member of our Paducah Financial Consultants team providing potential tax benefits and discounts to traditional investment costs.
Discounts On Loans
Teammates may contact a Relationship Manager for information on discounted loan rates.
Discounts On Legal Services
Denton Law Firm ofers Paducah Bank teammates discounted fees on estate planning and real estate documents.
WOW!Perks with Interest Checking Account
Teammates will receive a checking account with no maintenance fee into which payroll will be deposited bi-weekly.
Safety Deposit Box
Teammates have the use of a 3x5 safety deposit box at no charge.
Company Store (Lands’ End)
Teammates receive certificates to purchase Paducah Bank logoed clothing for business casual wear from Lands’ End.
Employee Assitance Fund (EAF)
EAF provides confidential, short-term financial assistance to employees facing unexpected and significant hardship, such as medical expenses, personal disasters, funeral costs, or other unforeseen financial challenges. Assistance is provided as a grant—not a loan—and never needs to be repaid, with awards based on eligibility, supporting documentation, and available funds.
SOCIAL/COMMUNITY WELLNESS BENEFITS
Teammates, guests, and families are treated to events throughout the year, such as summer and holiday parties. The Bank also encourages teammates to volunteer, serve on community boards, and stay engaged in our community—because being a Community Bank means being part of it.
SUMMARY OF BENEFITS for Part-Tme Teammates
PHYSICAL WELLNESS BENEFITS
Supplemental Insurance Benefits
Teammates receive access to supplemental worksite insurance such as accident, cancer, disability and more. Teammates also receive medical travel insurance with OneAmerica.
MENTAL/EMOTIONAL WELLNESS BENEFITS
Holidays
Part-time teammates receive four hours paid for the 11 paid holidays annually.
Teammate Assistance Program
Teammates and members of their families receive up to six free, confidential visits per year with professional counselors/therapists/psychologists through Psychological Associates of Paducah, Inc. We also provide access to ComPsych resources through OneAmerica.
FINANCIAL/PROFESSIONAL WELLNESS BENEFITS
Ownership and Investment Planning
Paducah Bank ofers investment planning through our KSOP (401K and Employee Stock Ownership Plan), including company contributions and matching (3% of the first 6% deferral) as defined in the Summary Plan Description. Paducah Bank also provides access to professional financial advisors through our Paducah Financial Consultants team, at no cost to the teammate.
Teammate Education and Development
Teammates have the opportunity to participate in a variety of development resources, both internally and externally, in order to increase skill level and aid them in long-term career and personal development. Opportunities include access to banking schools, webinars and conferences, as well as tuition assistance for advanced educationrelated fees through accredited universities and colleges. Resources include Mindfulness-Based Emotional Intelligence classes, coaching/ mentoring opportunities, and more.
Personal Home Mortgage Benefit
Teammates receive a personal home mortgage benefit equal to .50% of the amount of their mortgage loan to be used for closing costs or to buy down the interest rate.
College Planning
Paducah Bank sponsors a College Savings (529) Plan, enabling the teammate to save for a loved one’s future educational expenses. The plan is established with American Funds, and is set up by a member of our Paducah Financial Consultants team providing potential tax benefits and discounts to traditional investment costs.
Discounts On Loans
Teammates may contact a Relationship Manager for information on discounted loan rates.
Discounts On Legal Services
Denton Law Firm ofers Paducah Bank teammates discounted fees on estate planning and real estate documents.
WOW!Perks with Interest Checking Account
Teammates will receive a checking account with no maintenance fee into which payroll will be deposited bi-weekly.
Safety Deposit Box
Teammates have the use of a 3x5 safety deposit box at no charge.
Company Store (Lands’ End)
Teammates receive certificates to purchase Paducah Bank logoed clothing for business casual wear from Lands’ End.
Employee Assitance Fund (EAF)
EAF provides confidential, shortterm financial assistance to employees facing unexpected and significant hardship, such as medical expenses, personal disasters, funeral costs, or other unforeseen financial challenges. Assistance is provided as a grant—not a loan—and never needs to be repaid, with awards based on eligibility, supporting documentation, and available funds.
SOCIAL/COMMUNITY WELLNESS BENEFITS
Teammates, guests, and families are treated to events throughout the year, such as summer and holiday parties. The Bank also encourages teammates to volunteer, serve on community boards, and stay engaged in our community—because being a Community Bank means being part of it.
E L IG I BILITY
REMEMBER, OPEN ENROLLMENT IS YOUR ONLY OPPORTUNITY EACH YEAR TO MAKE CHANGES TO YOUR ELECTIONS, UNLESS YOU OR YOUR FAMILY MEMBERS EXPERIENCE AN ELIGIBLE “CHANGE IN STATUS.”
WHO IS ELIGIBLE
Teammates regularly scheduled to work 30 hours or more per week are eligible for the benefits described in this Total Wellness Commitment Guide on the first day of the month following 60 full days of employment.
WHO CAN YOU ADD TO YOUR PLAN?
Eligible:
• Legally married spouse
• Natural or adopted children up to age 26, regardless of student and marital status
• Children under your legal guardianship
• Stepchildren
• Children under a qualified medical child support order
• Disabled children 19 years or older
• Children placed in your physical custody for adoption
Ineligible:
• Divorced or legally separated spouse
• Common law spouse
• Domestic partners
• Foster children
• Sisters, brothers, parents or in-laws, grandchildren, etc.
HOW TO ENROLL IN THE PLANS
Read your materials and make sure you understand all of the options available.
• Log into your Employee Self-Service in Paycom to initiate the Benefit Enrollment process.
• Fill out any necessary personal information.
• Make your benefit choices.
• If you have questions or concerns, please contact your HR team.
WHEN TO ENROLL
Before meeting the new hire waiting period of 60 days, you are eligible to complete the enrollment process on Paycom within 45 days from the date of hire to enroll yourself and your eligible dependents in our benefits. Once you enroll, you cannot make changes to your
elections until our annual open enrollment period, which happens annually, typically in November/December. The benefits you elect during open enrollment will be efective for one calendar year.
QUALIFYING EVENTS/ CHANGE IN STATUS
Qualifying Life Event changes in status include marriage; divorce; legal separation; status change; birth or adoption of a child; change in child’s dependent status; death of status, child or other qualified dependent; change in residence due to an employment transfer for you and your spouse; or change in your spouse’s benefits or employment status.
You must notify HR or your Risk Strategies Care Coordinator, Ashley Bates, of the change in family status and apply for change in coverage within 30 days of the occurrence of the event.
Generally, you may enroll in the plan, or make changes to your benefits, when you are first eligible. However, you can make changes/enroll during the plan year if you experience a change in status. As with a new enrollee, you must submit your paperwork within 30 days of the change or you will be considered a late enrollee and you may not be eligible to enroll.
Examples of changes in status:
• Marriage, divorce, or legal separation
• Birth or adoption of a child
• You or your spouse takes an unpaid leave of absence
• Change in employment status for you or your spouse
• Death of spouse, child, or other qualified dependents
• You become eligible for or lose Medicaid coverage
• Significant increase or decrease in plan benefits or cost
• Change in child’s dependent status
See www.healthcare.gov for a complete list.
CONTACT I NFORMATION
RISK STRATEGIES
2660 Olivet Church Road, Suite #1 / Paducah, KY 42001
Ashley Bates, Care Coordinator
270.408.4737 / PDA-HSESSupport@risk-strategies.com
HEALTHWORKS MEDICAL, LLC
Corporate Care-Paducah 2341 New Holt Road / Paducah, KY 42001
270.408.9355 / healthworksmedical.com
BLUMINE HEALTH
Corporate Care-Louisville 5120 Dixie Highway, Suite 106 / Louisville, KY 40216
502.995.7008 / bluminehealth.com
DISCLOSEDRX
888.589.3340 / www.DisclosedRx.com MUUVWELL
364.888.9355 / www.MuuvWell.com / muuvwell@healthworksmedical.com
800.999.5703 / www.novahealthcare.com
800.955.2030 / www.deltadentalky.com
800.955.2030 / 800.877.7195 / www.vsp.com
/ www.oneamerica.com
800.325.4368 / www.coloniallife.com
P HYSI C AL
MEDICAL COVERAG E
NETWORK/COVERAGE
What is the diference between Cigna/ Center Care and Nova?
Cigna/Center Care PPO is the network for the health insurance. Nova simply helps to administer the plan.
Can I only go to a doctor or facility that is in-network?
If a doctor or facility is not in-network, they may still accept Cigna. However, please note that if you choose to use an out-of-network provider, then you are subject to out-ofnetwork benefits. If the provider states that they are not in-network and will not accept your insurance, please contact Risk Strategies Care Coordinator for assistance and/or alternatives at 270-408-4737.
Who should I contact for questions about my plan benefits or my medical coverage?
You can always contact Nova Healthcare directly; however, we have two resources at your disposal. If you need assistance coordinating with providers or care management contact HealthWorks Medical. If you need assistance with what is covered, enrollment, billing, claims, or ID cards contact Risk Strategies at 270-408-4737.
OVERVIEW OF ROLES
HealthWorks Medical (Paducah)
270.408.9355
Provider Relations, Nova Liaison, Triage & Care, Wellness
BluMine Health (Louisville)
502.995.7008
Triage & Care, Wellness
What should I do if scheduling or billing doesn’t recognize my health plan?
Please tell your provider that your health plan is under the Cigna network and ask them if they are in-network with Cigna. They should be able to submit a claim to Nova Healthcare Administrators (Nova) using the information on your ID card, which will then be processed under Cigna's network.
How will I know what my health plan has paid?
Afer any medical service, Nova will send you an Explanation of Benefits (EOB) or you can access your EOB online. This is a breakdown of what medical treatments were billed and what benefits were paid, along with indicating what you, the patient, are responsible for paying.
Can balance bills still occur?
Yes. A balance bill can still occur in some cases with out-of-network providers.
What should I do if I receive a balance bill?
If you receive a bill from your provider, either a physician or medical facility, you need to compare it to the EOB that you received from Nova. Contact the provider and confirm why they are billing you for more than your EOB, then contact Risk Strategies for assistance.
Risk Strategies (Broker)
270.408.4737
Benefits Education, Billing & Claims, Enrollment, ID Cards, General Questions, Care Coordination
Nova Healthcare (TPA)
833.891.9370
Administers Health Plan, Generates EOBs & Processes Claims
888.589.3340 Pharmacy Benefit Manager
Corporate Wellness, Dietetics, Physical Therapy, Physical Training
NOVA PRECERTIFICATION OVERVIEW
Your benefits provide coverage for healthcare services that are medically necessary. To determine medical necessity, coverage for certain services, procedures, inpatient admissions and surgeries must be approved by Nova Healthcare Administrators, Inc. in advance. This is called precertification.
The plan requires precertification for certain covered charges. The request for precertification must be made at least 72 hours in advance of services being rendered, or within 48 hours of the first business day following emergency services and/or admission. Your provider will be required to send information to Nova for the precertification process.
If you have questions about which services require precertification or before you receive care which requires precertification, contact Nova toll-free at (855) 206-1040 with the following information:
• The name of the patient and relationship to the covered employee
• The name, identification number, and address of the covered employee
• The name of the employer
• The name and telephone number of the treating physician/provider
• The name of the medical care facility, proposed date of admission and proposed length of stay
• The diagnosis and/or type of surgery
Precertification is not a guarantee of benefits. Participant eligibility, plan requirements, including provisions and exclusions, will determine available benefits. Your Summary Plan Description should be reviewed for limitations relating to a specific type of service.
Precertification for the following non-emergency services must be obtained before medical and/or surgical services are provided (subject to the limitations set forth in the Schedule of Benefits):
• Alcohol/Substance Abuse (including Inpatient Facility/Rehab Services, Partial Hospitalization, Intensive Outpatient and Residential Services)
• Chemotherapy
• Clinical Trials
• Cosmetic Reconstructive
• Dental (Accidental, Congenital Disease and Anomaly)
• Durable Medical Equipment
• Experimental/Investigational
• Genetic Testing
• High-Tech Imaging (CT/PET/Bone Scan/MRI/MRA/ Diagnostic Radiology)
• Home Birth
• Home Health Care
• Home Infusion Therapy (including Nursing Services/ Visits, Medication and Other Services)
• Hospitalizations (including Inpatient, Inpatient Medical Rehabilitation Facility)
• Infertility
• Injectable Medications
• Inter-facility Transport/Transfer
• Mental Health (including Inpatient Facility Services, Partial Hospitalization, Intensive Outpatient and Residential Services)
• Outpatient Surgical Procedures (excluding Ofice Based Setings)
• Physical, Occupational and Speech Therapies (If visits are limited, additional visits require precertification)
• Prosthetics and Appliances
• Radiation Therapy
• Skilled Nursing Facility
• Temporomandibular Joint Disorder
• Transplants (excluding Corneal Transplants)
AN INDEPENDENT HEALTH COMPANY
MEDICAL BENEFITS
NETWORK-CIGNA/CENTER CARE
• Cigna/Center Care is the Preferred Provider Organization (PPO) in which you will locate in-network providers and facilities.
• If an in-network provider is seen, you will not be balance billed.
• If you do not seek care from an in-network provider, out-of-network benefits now apply, and you can be balance billed.
• Nova Healthcare is your Third-Party Administrator (TPA) and will process claims. Any precertification and prior authorizations must still be completed through Nova.
DEDUCTIBLES/COINSURANCE
Since you have a High Deductible Health Plan, all services go to the deductible and once this is met coinsurance kicks in, until you meet the max out-of-pocket. These start over every calendar year.
Individual deductibles are embedded, which means that each member can only be out their deductible/max out-of-pocket. The family deductible/out-of-pocket is the total deductible and max out-of-pocket that can be met with all members of your family.
PRECERTIFICATION
This process can take up to 14 business days, depending on the information that is needed and provided by your healthcare provider.
Failing to have a service precertified results in the member being responsible for the full amount of the bill.
CIGNA
THE CIGNA PPO® IS A NATIONAL NETWORK OF MORE THAN ONE MILLION PROVIDERS AND 6,300 FACILITIES.
IN-NETWORK VS OUT: WHAT’S THE DIFFERENCE?
To help you save money, your health plan provides access to a network of providers. These include:
• Doctors
• Hospitals
• Labs
• Radiology Centers
• Surgical Centers
To be a part of the plan’s network, these doctors and facilities must meet certain credential requirements and agree to accept a discounted rate for covered services under the health plan. These health care professionals are considered in-network.
If a doctor or facility has no contract with Cigna, they are considered out-of-network and can charge you full price. It’s usually much higher than the in-network discounted rate.
WHY OUT-0F-NETWORK CARE OFTEN COSTS MORE
You’re probably being charged full price. We don’t have a contracted relationship with out-of-network doctors and facilities. So we can’t control what they charge for their services. And their rates may be higher than the discounted in-network rate.
You may be billed for the diference between the doctor’s bill and what your plan will pay. Many health plans list an amount that is the most they’ll pay for a certain service received out-of-network. If the doctor or facility charges more than your plan pays, you will be billed the diference.
Your share of costs is diferent—and usually higher. When you use a doctor or facility that is out-of-network, your deductible and other out-of-pocket costs may be much higher than the in-network cost. Review your plan materials for details on your specific medical plan.
With a growing nationwide PPO network® of quality health care professionals, Cigna ofers you a range of choices to help you stay healthy. Finding a provider on Cigna.com is simple.
Just go to Cigna.com and click “Find a Doctor.” It is that easy.
Questions?
Call the toll-free number on the back of your ID card.
PHARMACY COVERAG E
DISCLOSEDRXTM
IMPORTANT CONTACT INFORMATION
24/7 Service: 1-888-589-3340 (also found on your insurance card) Portal: www.DisclosedRx.com
DisclosedRx’s portal provides:
• Pharmacy Locator
• Claims History
• Price Calculator
• Digital ID Card
SPECIALTY PHARMACY
DisclosedRx is contracted with several specialty pharmacies. If any members have questions about which specialty pharmacies are available for their medications, they can reach out to DisclosedRx with the specific medications or questions.
GENERIC MEDICATIONS
Generic medications are a chemical copy of the original brand, with the same active ingredients. Generic medications must meet the same quality standards for approval by the Food and Drug Administration (FDA) as brand-name medications. Generic medications must prove to work the same way, providing the same benefits and efects. Generic medications help provide cost savings for members, and DisclosedRx is commited to helping identify these opportunities when available.
DISCLOSEDRX FORMULARY
The 2026 Premier Formulary is the list of drugs included in your prescription plan, which can be found on the Portal site. Inclusion on the list does not guarantee coverage. *Brand-name drugs may move to non-formulary status if a generic version becomes available during the year. Not all the drugs listed are
covered by all prescription plans; check your benefit materials for the specific drugs covered and the copayments for your prescription plan. For specific questions about your coverage, please call the phone number printed on your member ID card.
DisclosedRx’s 4-Tier formulary structure is as follows:
TIER 1 – Formulary/preferred generic drugs, select Over the Counter (OTC) drugs, and select brand-name drugs
TIER 2 – Preferred brand drugs (including preferred specialty drugs)
TIER 3 – All non-preferred drugs
TIER 4 – Non-preferred specialty drugs
NON-FORMULARY
Non-Formulary medications are drugs that have been removed from coverage on the Disclosed Rx formulary due to the availability of more efective or lower cost alternatives. To obtain a medication that is nonformulary, your physician must submit a prior authorization request for coverage. If the request is approved, that medication will be covered at your Tier 3 copayment/coinsurance level.
AGILE CHANNEL
This program consists of state-of-the-art systems that help you get the high-cost specialty and brand medicines you need, at the lowest possible cost to you. This is done through Prior Authorization, Step Therapy, and/or Quantity Limits, etc. High-cost medications like specialty medications, injectables, and most name brand medications can now be accessed through the Agile Channel Management program, usually at zero cost to you.
PHARMACY COVERAGE (CONTINUED)
GOODRX PARTNERSHIP
DisclosedRx partners with GoodRx to find the best prices on your prescriptions. The GoodRx discount program is automatically included in your benefits with DisclosedRx.
1. Present your plan card at the pharmacy. The pharmacy will submit a claim.
2. A price comparison will be made between your insurance price and the price using GoodRx.
3. You pay whichever price is lower: the price using your member plan or the price using GoodRx.
Benefits to this partnership:
• Automatic GoodRx price comparison on your behalf
• Credit towards your deductibles and/or out-of-pocket maximums
• Medication information is shared back with plan, allowing for increased health and safety checks
• Seamless process - no additional steps required from you
MAIL ORDER
DisclosedRx works closely with Postal Prescription Services for mail-order medications. It is easy to begin using Postal Prescription Services. You can register online at www.ppsrx.com
You have many options for mail-order pharmacy, as DisclosedRx does not require the use of Postal Prescription Services. If you currently have mail order scripts with Amazon, Pill Pack, Kroger, etc., you may continue to fill through those pharmacies by simply updating your prescription benefit information (found on your ID card) with your mail-order pharmacy.
Please allow 10 to 14 calendar days from the day you submit your order to receive your medication(s).
PHARMACY BENEFITS
DISCLOSEDRXTM
TYPES OF SERVICE
Tier 1 (Preferred Generics)
Tier 2 (Preferred Brand & Speciality)
Tier 3 (Non-Preferred Generics & Brand)
Tier 4 (Non-Preferred Specialty)
Rx Formulary
90-Day Supply at Retail
90-DAY SUPPLY NETWORK
Q: WHY WOULD I GET A 90-DAY SUPPLY VERSUS A 30-DAY SUPPLY?
A: Well, the answer to this is simple! A 90-day supply would decrease the number of times you’d have to go pick up your prescription. Not only that, but your copay on a 90-day supply would be cheaper than geting three 30-day supplies. Note the following:
30-day copay structure (examples):
• Brand (Non-Preferred) = $50
• Brand (Preferred) = $25
• Generic (Both Preferred & Non-Preferred) = $10
90-day copay structure (examples):
• Brand (Non-Preferred) = $100
• Brand (Preferred) = $50
• Generic (Both Preferred & Non-Preferred) = $20
then 15% Coinsurance
then 20% Coinsurance
then 25% Coinsurance
then 30% Coinsurance
4-Tier Value Formulary
Yes, if applicable
Based on PPO Sample Copay Structure
You’ll see that when you are geting a non-preferred brand medication, you would pay $100 for a 90-day supply (three 30-day supplies would be subject to a $50 copay each time, adding up to $150 over the course of 90 days). That means for every 90-day fill, you’re saving $50. For generic medication, you would save $10.
Q: HOW WOULD I GET A 90-DAY SUPPLY VERSUS A 30-DAY SUPPLY?
A: Simply go into your favorite pharmacy and request a 90-day fill instead of a 30-day fill. The pharmacy will adjust the copay for you accordingly. You may also utilize a mail-order pharmacy, such as Postal Prescription Services or Prescription Mart to obtain a 90-day supply of your medication. If you would like to access your medications through mail-order, please call DisclosedRx at 888.589.3340 and one of our Prescription Navigators will help you set up mail-order delivery.
Please check any drugs that required Prior Authorization last year. When that authorization runs out, you will need to initiate a new authorization. You can reach out to Risk Strategies or HealthWorks for assistance with this.
PHYSICAL WELLNESS I NSURANCE PREMIUMS
JANUARY 1, 2026 - DECEMBER 31, 2026
NOVA MEDICAL INSURANCE
Teammate Only
Teammate & Spouse:
Teammate Only
Teammate & Spouse
$49.22 pp*/$98.43 monthly
pp*/$443.84 monthly
$2.10 pp*/$4.19 monthly
$11.27 pp*/$22.53 monthly
Teammate & Child(ren) $11.48 pp*/$22.95 monthly
DELTA VISION INSURANCE
Teammates pay the full premium for Vision Coverage.
Teammate Only
Teammate & Spouse
Teammate & Child(ren)
Teammate & Family
monthly
$3.15 pp*/$6.30 monthly
$6.30 pp*/$12.60 monthly
$6.75 pp*/$13.49 monthly
$10.78 pp*/$21.55 monthly
*pp = rate per pay period. All premiums are deducted the first two pay periods of each month.
Enrollment in our medical insurance ofers access to HealthWorks Corporate Care Clinic/BluMine Health Clinic, 24/7 Medical Care line, Clinical Care Coordination through Risk Strategies, and Health Savings Account with monthly company contributions.
The first of the month following 60 days of employment, full-time and 130-hour teammates become eligible to participate in our group health, vision, and dental insurance plans.
If a teammate leaves the Bank, all enrolled in coverage remain active until the end of the month on all plans. The departing teammate is required to make arrangements with the HR team to pay the full monthly premium(s).
HE ALTH SAVINGS ACCOUNT
WHAT ARE THE BENEFITS OF AN HSA?
No Federal Income Tax
In a Health Savings Account (HSA), you aren't taxed on the money you contribute, or on the interest you earn on that money. You also don’t pay tax on withdrawals for qualified medical expenses.
No Expiration Date on Funds
Your HSA contributions don’t expire. The money stays in the HSA until you use it.
Possible Use for Spouse and Dependents
You can use your HSA to pay for qualified medical expenses for your spouse and dependents, even if your HSA-eligible plan doesn’t cover them.
HSA
Doesn’t Go Away if Job Changes
You can keep your HSA, even if you change employers or retire.
The money you take from your HSA to pay for or be reimbursed for qualified medical expenses is tax-free.
• If you take money before you’re 65 from your HSA for non-medical costs that don’t qualify, you’ll have to pay the federal income tax and a 20% tax penalty.
• If you take money afer you’re 65 for nonmedical costs, you won’t have to pay the 20% tax penalty, but you’ll still have to pay the federal income tax on that amount.
Also, you must stop contributing to your HSA when you enroll in any part of Medicare. But, you may withdraw money from your HSA at any time to help pay for qualified medical expenses that Medicare or Medicare Supplement Insurance (Medigap) doesn’t cover.
FLEXIBLE SPENDING ACCOUNTS
Who owns the account?
Will your company contribute? No How
When are funds available? Your Full Contribution is As Funds Are Available Immediately Deposited
Dental and Vision Expenses
Medical, RX Immediately and Qualified Dependent Dental, Vision Can Be Applied to Care Expenses That What can funds be used for? and Other Medical Expenses Allow You (and Your Eligible Services Afer Your Medical Spouse if Married) Plan Deductible to Work is Satisfied
You Can Use Your Use your BBP Admin Benefits BBP Admin Benefits How do I pay for expenses? Card for Expenses Directly Card or Pay With or Use Personal Funds, the Personal Funds and Request Reimbursement Submit a Claim for Reimbursement
G ROUP & VOLUNTARY
Teammate Maximum 5x Annual Base Salary; $500,000 Maximum, rounded to next $1,000; $10,000 Minimum
Spouse Maximum 50% of Teammates amount; $250,000 Maximum in $500 increments; $5,000 Minimum
Maximum Live Birth to 6 months: $1,000 6 months to 19 (25 for dependant student): Opt 1: $2,000
LONG TERM DISABILITY
ONE AMERICA®
*3/12 means if you file a claim within the first 12 months the policy is in efect, One America will look back 3 months before the policy took efect to see if it was caused by a pre-existing condition."
SUPPLEME NTAL BENEFITS
COLONIAL LIFE®
All prices shown are based on 24 deductions per year.
Paducah Bank is pleased to ofer a variety of benefits during your upcoming enrollment. You will have the opportunity to speak with a benefits counselor during open enrollment to find out about all of your benefit options. Voluntary Benefits assist you and your family with unexpected out-of-pocket costs associated with injuries and illnesses. Below are your options to financially protect you and your family from unexpected times.
ACCIDENT-GUARANTEED ISSUE-NO HEALTH QUESTIONS
Preferred with Hospital Benefits, AD&D, $50 Max Wellness
Accident Insurance can provide a benefit for a range of accidental injuries and treatments. You can use the money however you choose.
HOSPITAL INDEMNITY -
ISSUE -
SUPPLEMENTAL BENEFITS (CONTINUED)
TERM LIFE / 20 YEAR – Non-Tobacco
Term life Insurance provides money to your family if you die within a certain time period, or “term.” It can help them with final arrangements, living expenses, tuition and more.
WHOLE LIFE - GUARANTEED ISSUE - NO HEALTH QUESTIONS
Non-Tobacco
$25,000 OR $50,000 Options
Permanent Life Insurance – Guaranteed Premium, Guaranteed Cash Value, Guaranteed Benefit
Whole Life Insurance provides money to your family if you die, to help them with ongoing expenses. It provides a benefit to help protect your family’s way of life in the event of your death.
WHEN IT IS TIME TO ENROLL, YOU WILL NEED TO HAVE THE FOLLOWING ITEMS: Your employee identification number / The name, SSN, date of birth and address of all dependents you wish to enroll / Life Insurance beneficiary information
PASSIVE ENROLLMENT
If you do not wish to make any changes, your current elections will roll over to the next year.
PLEASE NOTE: If you do not make any changes, you will not be able to make any changes throughout the year without a qualified life event. The next open enrollment will be in the 4th quarter of next year.
AIR MEDCARE
AIR EVAC LIFESTREAM
In a medical emergency, every second counts—and no one knows that beter than Air Evac Lifeteam, part of the AirMedCare Network (AMCN). Their network provides emergency air ambulance service when you or a household member experiences a serious illness or injury and need rapid transport to the nearest appropriate medical facility.
Paducah Bank is pleased to ofer the opportunity to enroll in AirMedCare Network membership with group discounted pricing.
AIRMEDCARE NETWORK (AMCN)
EMERGENT AIR AMBULANCE
AMCN providers respond to scene calls and provide hospital-to-hospital transports-carrying seriously ill or injured patients to the nearest appropriate medical facility. Expenses for emergency air medical transport can put stress on your finances. With an AMCN membership, you will have no out-of-pocket expenses only if flown by an AMCN provider.
FLY-U-HOME
NON-EMERGENT AIR AMBULANCE
Fly-U-Home is a must-have membership for those traveling more frequently. Discounted rates are available for existing AMCN members, and it provides access to a fleet of medically equipped, private aircraf ready to transport you to your local hospital of choice, should you become hospitalized
more than 150 nautical miles from home and, you will have no out-of-pocket expenses in relation to your flight. Fly-U-Home membership applies to the contiguous 48 states.
AIRMED INTERNATIONAL NON-EMERGENT AIR AMBULANCE
If you're interested in the Fly-U-Home membership, but looking for international coverage, the AirMed International membership is right for you. It provides access to a fleet of medically equipped, private aircraf ready to transport you to your local hospital of choice, should you become hospitalized more than 150 nautical miles from home, including international travel. With an AirMed International membership, you will have no out-of-pocket expenses in relation to your flight.
FOR QUESTIONS, PLEASE VISIT
WWW.AMCNREP.COM OR CONTACT: Pam Truit Membership Sales Manager Pamela.Truit@gmr.net 270.969.1950
CORPORATE MEMBERSHI P
PADUCAH ATHLETIC CLUB
We’re excited to ofer exclusive reduced membership rates at Paducah Athletic Club (PAC) for all Paducah Bank employees! This partnership gives you 24/7 access to fitness equipment, strength machines, free weights, cardio, sauna, pools, tanning, hydro massage, sport court, and Kidzone. Enjoy group fitness classes like BodyPump, Zumba, step classes, and water aerobics, plus locker rooms and showers for convenience. Regular exercise supports beter mental/physical health, boosts energy, and improves focus—while creating opportunities to connect and encourage one another
This level of membership at the PAC typically costs $40+/mo, but with the Corporate Membership program through Paducah Bank, it will only cost you $15.99/mo (+ tax).
GETTING STARTED
• Signing up takes only 5 minutes
• Go in-person to the PAC facility
• Ask to be added to “Paducah BankCorporate Wellness.” You will be asked to verify your Paducah Bank email and DOB
• Bring an ID and a credit/debit card to put on file with the PAC
• Receive your scan card
• Billing drafs on the 14th of each month
• No additional or cancellation fees
Invest in your health and join today! Already a member of the PAC? Ask one of their team members to help you switch your membership to the Paducah Bank membership on your next visit for reduced rates.
REACH OUT TO YOUR HR TEAM WITH ANY QUESTIONS ABOUT THIS BENEFIT!
WELLNESS BY MUUVWELL
WHAT TO EXPECT
The MuuvWell Team will work alongside you to celebrate every step of your journey.
Health
and
Wellness Challenges
Join MuuvWell's quarterly wellness challenges to boost your health, have fun with your teammates, and earn a chance to win an incentive—all while building healthy habits that support your overall well-being.
One-on-one Virtual Sessions with MuuvWell Coaches
No mater your focus—life coaching, fitness, physical therapy, or nutrition—you can share your goals or get support creating them with a MuuvWell Wellness Coach.
MuuvWell App Access
The app includes engaging content, data tracking, and a library of resources.
GETTING STARTED
How You Start Your Journey
1. Search and download the “MuuvWell by HealthWorks” app 2. To access and create a MuuvWell account, start by scanning this QR code.
How You Log On
MOBILE LOGIN: Open the “MuuvWell” app icon on your Android or iOS smart device and enter your company email and password.
WEB LOGIN: Visit www.muuvwell.com and enter your email and password.
Your wellness maters, and having a safe, well-equipped space to support it is essential. Learn more about our Corporate Gym Membership on page 31
TEAMMATE ASSISTANCE PROGRAM
PSYCHOLOGICAL ASSOCIATES OF PADUCAH
270.442.8785 / psychologicalassociatespaducah.com
As a teammate, you can call to make an in-person appointment for yourself or family member. The Bank provides six sessions annually at no cost to the teammate. Psychological Associates of Paducah is in-network with our insurance plan if you need to continue sessions beyond our TAP.
COMPSYCH® GUIDANCE RESOURCES®
855.387.9727 / guidanceresources.com / TDD: 800.697.0353
Your Company Web ID: ONEAMERICA3
This no-cost three session confidential counseling plan helps you address stress, relationships, and other personal concerns you and your family may face. It is stafed by GuidanceConsultantsSM—highly trained master’s and doctoral-level clinicians—who will listen to your concerns and quickly refer you to in-person counseling (up to three sessions per concern per year) and other resources for:
• Stress, anxiety, and depression
• Relationship/marital conflicts
• Parenting concerns
• Job pressures
• Grief and loss
• Substance abuse
HELPLINES, TEXT LINES, & ONLINE CHATS
THESE SERVICES ARE FREE FOR ANYONE TO USE AND A GREAT PLACE TO START IF YOU’RE NOT SURE OF YOUR TREATMENT OPTIONS. THEY CAN BE PARTICULARLY HELPFUL TO THOSE WITHOUT INSURANCE AND/OR THOSE WHO COULD BENEFIT FROM SLIDING SCALE (INCOME-BASED) TREATMENT FEES.
NATIONAL SUICIDE PREVENTION LIFELINE suicidepreventionlifeline.org
For anyone experiencing a mental health crisis
Availability: 24/7/365
Phone Number: Call or Text: 988
Online Chat: suicidepreventionlifeline.org/chat/
211 HOTLINE
211.org
For anyone experiencing a mental health crisis; substance use issues; or abuse and/or who needs help finding supplemental food programs, shelter/housing, utilities assistance, disaster relief, employment and education opportunities, afordable healthcare (including sliding-scale services), or other social services
Availability: 24/7/365
Phone Number: 2-1-1 (180+ languages)
Online Chat: Varies by location (check website)
NATIONAL ALLIANCE ON MENTAL ILLNESS (NAM) HELPLINE nami.org/help
For anyone experiencing mental health issues and/or seeking information on mental health resources
Availability: Mon-Fri, 10am-6pm ET
Phone Number: 1.800.950.NAMI (6264)
Text Number: Text NAMI to 741741
Email: info@nami.org
Availability: 24/7/365
THE TREVOR PROJECT SUPPORT CENTER
thetrevorproject.org
For LGBTQ+ youth experiencing a mental health crisis
Availability: 24/7/365
Phone Number: 1.866.488.7386
Text Number: Text START to 678678
Online Chat: thetrevorproject.org/get-help-now/
AL-ANON & ALA-TEEN
Al-anon.org
This hotline is specifically geared towards people who are negatively impacted by alcohol addiction. Monitors can assist in providing resources to other treatment options nearby, especially group therapy.
Phone Number: 1.800.356.9996
NATIONAL DOMESTIC VIOLENCE HOTLINE
thehotline.org
Safety plan template, information on identifying abuse, links to resources, and a 24/7 hotline
Phone Number: 1.800.799.SAFE (7233)
SUBSTANCE ABUSE AND MENTAL HEALTH SERVICES ADMINISTRATION (SAMHSA)
Substance Use Treatment Directory findtreatment.gov
Find information on thousands of state-licensed providers who specialize in treating substance use disorders, addiction, and mental illness. Phone Number: 1.800.622.HELP (4357)
Opioid Treatment Program Directory dpt2.samhsa.gov/treatment Find opioid treatment programs by state.
F I N A N CIAL/
PROFESSIONAL
OWNERSHIP AND INVESTMENT PLANNING
Paducah Bank ofers investment planning through our KSOP (401K and Employee Stock Ownership Plan), including company contributions and matching (3% of the first 6% deferral) as defined in the Summary Plan Description. Paducah Bank also provides access to professional financial advisors through our Paducah Financial Consultants team, at no cost to the teammate.
TEAMMATE EDUCATION AND DEVELOPMENT
Teammates have the opportunity to participate in a variety of development resources, both internally and externally, in order to increase skill level and aid them in long term career and personal development. Opportunities include access to banking schools, webinars, and conferences, as well as reimbursement for advanced education-related fees through accredited universities and colleges. Resources include leadership coaching, Mindfulness-Based Emotional Intelligence, and more.
PERSONAL HOME MORTGAGE BENEFIT
Teammates receive a personal home mortgage benefit equal to .50% of the amount of their mortgage loan to be used for closing costs or to buy down the interest rate.
COLLEGE PLANNING
Paducah Bank sponsors a College Savings (529) Plan, enabling the teammate to save for a loved one’s future educational expenses. The plan is established with American Funds, and is set up by a member of our Paducah
Financial Consultants team providing potential tax benefits and discounts to traditional investment costs.
DISCOUNTS ON LOANS
Teammates may contact a Relationship Manager for information on discounted loan rates.
DISCOUNTS ON LEGAL SERVICES
Denton Law Firm ofers Paducah Bank teammates discounted fees on estate planning services, i.e. wills.
WOW!PERKS WITH INTEREST CHECKING ACCOUNT
Teammates will receive a checking account with no maintenance fee into which payroll will be deposited bi-weekly.
SAFETY DEPOSIT BOX
Teammates have the use of a 3x5 safety deposit box at no charge.
COMPANY STORE (LANDS’ END)
Teammates receive certificates to purchase Paducah Bank logoed clothing for business casual wear from Lands’ End.
EMPLOYEE ASSISTANCE FUND (EAF)
EAF provides confidential, short-term financial assistance to employees facing unexpected and significant hardship, such as medical expenses, personal disasters, funeral costs, or other unforeseen financial challenges. Assistance is provided as a grant—not a loan—and never needs to be repaid, with awards based on eligibility, supporting documentation, and available funds.
SOCIAL/ COMMUNITY
TEAMMATE & COMMUNITY ENGAGEMENT
TEAMMATE ENGAGEMENT
At Paducah Bank, we are commited to fostering a strong sense of community and camaraderie among our teammates and their families. To help achieve this, we host annual events every quarter, ofering plenty of opportunities for our team to connect, celebrate, and have fun together.
Our first event of the year is an employee-only meeting where we set the stage for the upcoming year by discussing goals, accomplishments, and future plans. This gathering ensures that everyone is aligned and motivated for the year ahead.
Throughout the year, we host a variety of events where we celebrate and connect with each other.
These events are designed not only for team bonding, but also to give our teammates a chance to share experiences with their families, fostering a sense of belonging and a family-like atmosphere within our organization. We are always looking for ways to create lasting memories and strengthen relationships within our Paducah Bank family.
We can't wait to see you at our next event!
COMMUNITY ENGAGEMENT
At Paducah Bank, we take the term “Community Bank” very seriously. We are deeply commited to serving our communities and making a positive impact through both financial support and personal involvement. Many of our teammates dedicate their time and expertise by serving on the boards of local non-profit organizations such as Paducah Cooperative Ministry, Lifeline Recovery Center, Lotus, Family Service Society, Merryman House, and more. Many of our teammates also participate in the annual community service day, Project United, where our team members spend time volunteering to help strengthen the region through the United Way of Western KY. We also have United Way Employee Campaign Coordinators (ECCs) who lead the charge in organizing donation drives and advocating for causes that align with our mission to improve the lives of those in our communities such as the PALS (Promoting Academics & Leadership in Schools) program.
Paducah Bank proudly supports the Paducah Community Kitchen, encouraging an average of five teammates one weekday a month to help serve food and smiles to members of our community. Our commitment to community service reflects our core values and dedication to fostering stronger, more compassionate communities for all.
TRAVEL ASSISTANCE
PEACE OF MIND WHEN TRAVELING
Emergencies happen, but help is now only a phone call or email away. On Call International® ofers a suite of services to help you in your time of need—from small inconveniences like losing your luggage to life-threatening situations—all delivered with a caring, human touch.
Find comfort in knowing you and your loved ones are protected by the Travel Assistance benefit when traveling more than 100 miles from home for business or leisure. The Travel Assistance benefit protects you when covered under a OneAmerica® company group life insurance policy. It also extends coverage to your spouse, domestic partner and children (under 21, or 25 and living at home as a full-time student) even when they are traveling without you. The Travel Assistance benefit requires no additional premium; however, exclusions do apply.
MEDICAL ASSISTANCE AND TRANSPORTATION SERVICES
• Pre-trip plan
• Medical monitoring
• 24-hour nurse help line
• Replacement of prescriptions and eyeglasses
• Medical, behavioral or mental health, dental and pharmacy referrals
• Coordination of benefits
• Emergency medical evacuation
• Medical repatriation
• Return of remains
How to Access Telehealth
Available Monday through Friday
8 am - 5 pm. Used for acute injury and illness (seasonal allergies, colds, sore throat, fever etc.). To initiate a visit, call 270.448.9355.
24-HOUR TRAVEL ASSISTANCE
Travel Assistance is made available through OneAmerica® by and agreement with On Call International®
1.866.816.2103 (US/Canada)
1.603.328.1754 (call collect from other locations)
Email: mail@oncallinternational.com
GLOSSARY RESOURCE
SCAN QR CODE TO ACCESS GLOSSARY OF HEALTH TERMS FROM
46 / PADUCAH BANK
