CODAC 2025 Emplyee Benefits Guide

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The 2025 Employee Benefits Guide provides an overview of the benefits available to CODAC employees

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 1

Welcome to the 2025 Benefits Open Enrollment

It's that time of year again! CODAC’s annual insurance open enrollment period is about to begin. We know that benefits are an integral part of the overall compensation package provided to all of our eligible employees, which is why we take great care to review all available benefits options on an annual basis. This information packet explains CODAC’s Cafeteria Benefits Program enrollment process in summary form. The plans are governed by contracts and legal documents which describe the benefits in detail. If there is any difference between information in this packet and what is in the Plan Documents, the legal documents will be followed. If you have questions about any of these materials please contact the Human Resources Department at 520.202.1995 or extension 1300. If you wish to review legal plan documents, they are available on the CODAC Intranet.

Open enrollment runs 10/16/2024 − 10/30/2024

Enroll online at www.Paycom.com

REMEMBER: Open enrollment is the one — and only — time of year when you can make any adjustments for the upcoming plan year.

NOT SURE HOW TO GET STARTED? DON’T WORRY! Prior to open enrollment, you will receive step-by-step enrollment instructions Until then, now is the perfect time to prepare by doing the following:

Check that your personal information is accurate at www.paycom.com

Review the benefits in which you are currently enrolled

Take a look at the changes for 2025

Get a sneak peek the plans being offered for the coming year

Throughout this guide you will find video and link icons that will take you to resources that

provide additional information on the benefits available to you.

Improving Health, Transforming Lives.

2 CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

ELIGIBILITY AND COVERAGE All regular, full-time (working 30 hours or more) employees are eligible for benefits described in this benefit guide. You may elect medical, dental, vision, supplemental life, and various voluntary insurance options for yourself and eligible dependents. Eligible dependents include: Your dependent child(ren) or domestic partner’s child(ren) to age 26 (medical, vision, voluntary life, and AFLAC) NEW HIRE ENROLLMENT Benefit eligible employees (working full-time - 30 hours or more) are eligible for insurance benefits. Benefits are effective the 1st day of the month coincident with or following date of hire. • Your spouse or domestic partner • FAILURE to enroll online or submit ancillary documents will result in waiver of benefits. You will not be able to enroll until the next Annual Open Enrollment. Remember, your benefit elections will remain in place throughout the entire year unless you experience a Qualifying Event. All employees, regardless of number of hours worked, are eligible for enrollment in the retirement plan and pet insurance. OPEN/ANNUAL ENROLLMENT FOR BENEFIT ELIGIBLE EMPLOYEES During the Annual Enrollment period, you can enroll or make changes to medical insurance, dental insurance, vision insurance, voluntary life, short term disability (STD) insurance, and elect or re-elect your FSA (Health and/or Dependent Care), Health Savings Account (HSA) contributions for the coming year. Remember, your benefit elections will remain in place throughout the entire year unless you experience a Qualifying Event. All benefits-eligible employees must review their benefits online in the PayCom Self-Service Portal. Online review/enrollment must be completed and any necessary ancillary documents must be submitted to the Human Resources Department by 10/30/2024. Benefits Open Enrollment is PASSIVE, while enrolling in the Full Health Care or Dependent Care Flexible Spending Accounts (FSAs) is ACTIVE. This means you do not need to take action enrolling in Benefits, other than the Flexible Spending Accounts for 2025. This must be done no later than 10/30/2024. The Human Resources Department provides your benefit information during on-boarding. All benefits-eligible employees must make their benefits elections online within 31 days of hire.

DOMESTIC PARTNERS

You may enroll your domestic partner in your insurance benefits if you complete and sign a Domestic Partnership Affidavit.

You can obtain the Affidavit from the Human Resources Department or on the intranet.

The portion of premium payroll deducted for Domestic Partner coverage cannot be deducted pre-tax.

Domestic Partners are not eligible for continuation of coverage under COBRA.

QUALIFYING EVENTS Section 125 Pre-tax Program allows you to pay for benefits with pre-tax dollars. The IRS has certain rules about when you can make changes.

Not all Qualifying Events allow for changes for all benefits.

In most cases, you may only make benefit changes during Open Enrollment.

However, you may make changes during the year if you experience a Qualifying Event - an event that causes you or a covered dependent to gain or lose eligibility for coverage. For a complete list of Qualifying Events contact your Human Resources Department or visit the intranet. The following are some examples of Qualifying Events:

• Marriage

• You, your spouse, or a

dependent starts or ends employment that affects eligibility for benefits

• Legal separation

• Divorce

• Birth

• Death

• Adoption

YOU MUST NOTIFY THE HUMAN RESOURCES DEPARTMENT WITHIN 30 DAYS OF A QUALIFYING EVENT.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 3

MEDICAL PLANS

VBP – MultiPlan’s PHCS Network

UMR HDHP - UHC Choice Plus Network

Value Based Payments (VBP)

UMR $3,300 High Deductible Health Plan (HDHP)

PHCS Network Professional Providers and all Facility & Hospital Benefits

Non-Network Professional Providers

Plan Provisions

In-Network

Out-of-Network

Company Contribution to HSA

Not Applicable

$46.15 per pay period

Annual Deductible (Individual/Family) Embedded

$2,500 / $5,000

$5,000 / $10,000

$3,300 / $6,600

$8,000 / $16,000

Out-of-Pocket Maximum (Includes Deductible, Coinsurance & Copays)

$5,000 / $10,000

$10,000 / $20,000

$5,000 / $10,000

Unlimited

Lifetime Maximum

Unlimited

Preventive Care

Covered 100%

50% after deductible

Covered 100%

50% after deductible

Physician Office Visit

$25 copay

50% after deductible

20% after deductible

50% after deductible

Specialist Office Visit

$50 copay

50% after deductible

20% after deductible

50% after deductible

X-Ray

$75 copay

50% after deductible

20% after deductible

50% after deductible

Labs

Covered 100%

50% after deductible

20% after deductible

50% after deductible

Advanced Imaging (CT, PET, MRI)

30% after deductible

50% after deductible

20% after deductible

50% after deductible

Inpatient

30% after deductible

50% after deductible

20% after deductible

50% after deductible

Outpatient

30% after deductible

50% after deductible

20% after deductible

Excluded

Urgent Care

$75 copay

50% after deductible

20% after deductible

50% after deductible

Emergency Room Care

$350 copay

20% after deductible

Virtual Visits (Teladoc and Talkspace)

$20 copay

0%, after deductible

Medical plan deductible applies. Waived for certain preventative drugs.

Prescription Drug Deductible

None

Retail Prescription Drugs (31 day) Generic Preferred Brand Non-preferred Brand

After deductible is met $10 copay $30 copay $50 copay After deductible $0 with PrudentRx enrollment 30% without PrudentRx enrollment After deductible is met $25 copay $75 copay $125 copay

$15 copay $45 copay $85 copay

Responsible for any amount over allowed amount

Specialty (30 day)

$0 with PrudentRx enrollment 30% without PrudentRx enrollment

Mail Order Prescription Drugs (90 day) Generic Preferred Brand Non-preferred Brand

$37.50 copay $112.50 copay $212.50 copay

N/A

Dependents are eligible to age 26.

DEDUCTIBLE DEFINITIONS EMBEDDED deductible means one person in a family meeting their individual deductible at which point the health plan will begin paying. The remainder of the family can make up the remaining portion of the family deductible.

4 CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

MEDICAL RATES

The medical insurance rates below will increase by $46.15 per pay period if you are a smoker.

Value Based Payments (VBP)

CODAC Subsidy Per Pay Period

Employee Cost Per Pay Period

Benefit (Cafeteria) Allowance

Net Cost Per Pay Period

Monthly

Per Pay Period

Employee Only

$449.60

$207.54

$95.04

$112.50

<$112.50>

$0.00

Employee + Spouse

$944.30

$435.83

$101.63

$334.21

<$112.50>

$221.71

Employee + Children

$899.34

$415.08

$93.97

$321.11

<$112.50>

$208.61

Employee + Family

$1,438.94

$664.13

$233.93

$430.19

<$112.50>

$317.69

UMR $3,300 High Deductible Health Plan (HDHP)

CODAC Subsidy Per Pay Period

Employee Cost Per Pay Period

Benefit (Cafeteria) Allowance

Net Cost Per Pay Period

Monthly

Per Pay Period

Employee Only

$506.39

$233.72

$121.22

$112.50

<$112.50>

$0.00

Employee + Spouse

$1,063.41

$490.80

$156.60

$334.21

<$112.50>

$221.71

Employee + Children

$1,012.78

$467.44

$146.32

$321.11

<$112.50>

$208.61

Employee + Family

$1,620.45

$747.90

$317.70

$430.19

<$112.50>

$317.69

TELADOC Teladoc is a virtual physician consultation which can be initiated 24/7 and provides access to quality medical care telephonically or online. This program is confidential, available to anyone enrolled in one of CODAC’s medical plans , and can be used to diagnose, recommend treatment, and prescribe medication for non-emergency issues including but not limited to: sore throat, allergies, poison ivy, pink eye, urinary tract infections, respiratory infections and sinus infections. When you need a doctor, request a consultation either via the website www.teladoc.com or via telephone at 800.835.2362.

PREVENTIVE CARE Examples of Preventive Care – covered 100% without deductible include:

Physical Exam

• •

Well-Baby Care, Well-Women Care, Well-Men Care

Blood Pressure Screening

• •

Cholesterol Check

For Example: If the physician charge is $300, insurance pays 100% of the bill, leaving you with a $0 balance.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 5

NEW

GenYou Guides

GENERATIONYOU CARE SUPPORT

Phone: 844.600.0919 Available 24/7

When you don’t know where to begin with medical and pharmacy needs, start with your GenerationYou CARE Support. GenerationYou CARE Support Team CARE Guides are there to help you and your family members with all things healthcare. A personal team of nurses, benefit experts, and claims specialist are just a phone call or click away – online or mobile app (download the UMR mobile app)!

Website: www.umr.com

Mobile App: UMR Health

(scan QR code)

Below are just a few of the topics that your GenYou Guide can help with.

Applies to HDHP Plan

PROCEDURE COVERAGE Some procedures and services require precertifica tion or authorization. Your GenYou Guide can review your benefits, provide out-of-pocket costs, and help obtain your precertification.

CLICK HERE TO LEARN MORE ABOUT YOUR GENYOU & UMR PORTAL

TREATMENT PLANS If you have questions about your diagnosis or treatment plan, you can receive guidance from your Clinical CARE Team.

CHRONIC CONDITION MANAGEMENT Many chronic conditions or diseases, such as heart disease or diabetes, can be challenging to man age. Your GenYou Guide will work with you and your physicians to assist with prescriptions, specialist referrals, and treatments. MATERNITY CARE Whether you are considering having a baby or are already expecting, UMR Maternity CARE can explain how to reduce your risk of complications and prepare you to have a successful, full-term pregnancy and a healthy baby. Call 888.438.8105 or click here to complete the enrollment form online.

IN-NETWORK VERSUS OUT-OF-NETWORK PROVIDERS Your GenYou Guide can search your providers or you can search online by clicking Find a Provider.

REPLACEMENT ID CARDS Whether your ID card is lost or you never received one, replacements are easy. Your GenYou Guide can request one.

MEDICAL BILLS

Your GenYou Guide is trained to understand the medical bills; they will check to see what your out of-pocket costs are for services, look into a recent medical claim to make sure it was paid correct ly, and see how much you have paid – and how much you have left – of your individual or family deductible.

6 CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

NEW

MEDWATCH

MedWatch Pathways

MedWatch Concierge Services are there to help you find which facilities offer the best pricing when you need services. They will prior authorize services requested by your doctor. Upon receiving your Explanation of Benefits (EOB), call MedWatch if you have any questions about the patient responsibility or balance billing from providers.

Phone: 888.453.1096 8 am - 8 pm EST

Website: healthscopebenefits.com

Mobile App:

Below are just a few of the topics that your MedWatch Pathways Concierge can help with.

HealthSCOPE Benefits On the Go

• Identify providers and facilities that work with your plan

Applies to Value Based Payments Plan (VBP)

• Assist with appointment scheduling

• Answer questions regarding copays, deductibles, and coinsurance

• Help you understand your diagnosis

• Refer you to additional programs available within your health plan

MEMBER / CONCIERGE INTERACTION

CLICK HERE TO LEARN MORE ABOUT MEDWATCH

888.453.1096

HST COST ESTIMATOR TOOL

HST brings pricing transparency and comparative shopping to healthcare services! HST Connect is a mobile app as well as a web-based provider look up tool which offers you 24/7 access to pricing comparisons, key health plan information, and provider acceptance and quality ratings. This tool is offered in both English and Spanish. Comparative Shopping for Care When you are scheduling a service at a hospital (knee surgery or maternity care, for example), where you go will affect what you pay. Usually your doctor will recommend a facility for your procedure. Using HST Connect, you can view provider costs and identify hospitals that accept Value Based Payments Plans (VBPs). By choosing wisely, you can keep your costs as low as possible.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 7

PRUDENTRX Your plans include the PrudentRx solution for specialty medications. Medications on the PrudentRx Program Drug List are included in the program and will be subject to a 30% coinsurance, after satisfaction of any applicable deductible. However, if a member is participating in the PrudentRx solution, which includes enrollment in an available manufacturer copay assistance program for their specialty medication, you will have a $0 out-of-pocket responsibility for prescriptions covered under the PrudentRx solution, unless you are enrolled in a health savings account (HSA). For members with HSAs, you will have a $0 out-of pocket responsibility for prescriptions covered under the PrudentRx solution after your deductible has been satisfied , unless you have been prescribed a medication that qualifies as “preventive care” under the Internal Revenue Code (IRC). All eligible members will be automatically enrolled in the PrudentRx Copay Program, but you can choose to opt out of the program by calling 800.578.4403.

ENVITA Members who are enrolled in a CODAC medical plan have access to precision oncology treatments at Envita Medical Centers, an integrative Center of Excellence located in Scottsdale, Arizona.

Envita builds treatment protocols for each patient using the latest in immunotherapy and chemotherapy targeting.

To learn more about Envita’s innovative cancer treatment and their second opinion option, please refer to their informational flyers located on your Benefit Resource Center. To receive access to the Envita Center of Excellence Precision Oncology Program, call a skilled Patient Care Navigator 866.830.4576 or request a call back at www.envita.com. Age restrictions may apply.

HINGE HEALTH CODAC is continuing to partner with Hinge Health, a health benefit that offers back, knee, shoulder, hip and other pain relief programs at no cost to you. Recover from a recent or past injury. Prepare for surgery. Overcome back and joint pain. Stay healthy and pain free. And do it all at home, on your schedule. Hinge Health is available to you and eligible family members when enrolled in the company medical plans and provides the tools to help you move freely again. Get virtual care that may include: • A personal care team, including a physical therapist and health coach • 1-on-1 physical therapy sessions as needed • No office visits. No copays.

VIRTA HEALTH Virta Health is a virtual clinic that uses food as medicine to reverse type 2 diabetes and weight gain. Members eat their way to better health with a nutrition plan made just for them and support from medical providers, coaches, and digital health tools. By shifting what they eat, not how much, members can quickly lose unwanted weight, lower A1C, and reduce medications. Virta is available to CODAC enrolled members 18 and older and who have a qualifying condition. There is no copayment or out of pocket cost. Virta is fully covered by CODAC.

Employees and eligible dependents must be 18+ and enrolled in an employer sponsored health plan.

To learn more, or to see if you qualify for the program, reach out to Virta at www.virtahealth.com/join.

Scan the QR Code to join or visit MSK Benefits and Hinge Health Questions? Call 855-902-2777

Click here to learn more about how Virta works

Click here to learn more about how Hinge Health

8 CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

HEALTH SAVINGS ACCOUNT (HSA) Employer contribution applies to the High Deductible Health Plan, $3,300

If you are enrolled in the High Deductible Health Plan, you are eligible to establish a Health Savings Account. Each calendar year, the IRS sets the contribution limits for single and family amounts that can be contributed to your HSA. Your contribution is tax-free, earns interest and you can invest your HSA contributions according to the financial institution of your choice.

• CODAC will contribute $100 per month ($46.15 per pay period) at all enrollment levels (Employee, Employee + Spouse, Employee + Child(ren, Employee + Family).

• The 2025 maximum IRS allowable contribution, employee and employer contributions combined, is $4,300 for an individual and $8,550 for a family.

• You may choose to use the funds in your HSA for current qualified medical expenses or save it for future qualified medical expenses for yourself, your spouse, or eligible dependents. (Domestic Partners are not eligible dependents as defined by IRS thus HSA contributions are not allowed as reimbursable for Domestic Partners expenses.)

• Your balance is carried over from year-to-year and is NOT considered “USE IT OR LOSE IT” if unused. This is your money, so the dollars stay with you.

Click here to learn more about how an HSA can help you save for HDHP healthcare expenses

SECTION 125 - PRE-TAX PROGRAM PREMIUM ONLY Plan :

Enables your employer to deduct medical, dental, and vision premiums from your paycheck on a pre-tax basis. Because your premiums are deducted on a pre-tax basis, you may reduce your State, Federal and Social Security tax liability. When enrolled in a Section 125 plan, you must remain enrolled in the applicable plans for the entire plan year and cannot deduct your premiums from your taxes when you file at the end of the year. FULL HEALTHCARE Spending Account: You may contribute up to $3,200 per plan year for out of pocket qualified medical/dental/vision/pharmacy expenses for yourself, your spouse or eligible dependents. Over the counter (OTC) products no longer require a prescription to be eligible for reimbursement. You are not eligible to enroll in a FULL HEALTHCARE Spending Account if you are enrolled in an HDHP plan, but you would be eligible to enroll in a LIMITED PURPOSE Spending Account. LIMITED PURPOSE FLEXIBLE Spending Account: If you contribute or plan to contribute to an HSA you can open a Limited FSA, which will only allow reimbursement for dental and vision expenses. You may contribute up to $3,200 per plan year to this account. Any carryover in the Full Healthcare and Limited Purpose Plans are in accordance to IRS guidelines. DEPENDENT CARE FLEXIBLE Spending Account: You may deposit up to $5,000 per plan year ($2,500 if married, filing separately) to pay for qualified dependent daycare expenses. The expenses are for the care of a child under the age of 13 years, or a dependent who is not capable of self-care. You are reimbursed only up to the amount you have contributed at any given time.

Click here to learn more about a Flexible Spending Account

Click here to learn more about CBIZ Flex Mobile

Click here for a Guide to Flexible Spending Accounts

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 9

VOLUNTARY DENTAL

FIND A DENTIST To find an Ameritas provider in your area, visit the website at www.ameritas.com. • Click on “Find a Health Provider” • Click on “Find a Dental Provider Online” • Enter your ZIP Code, City or State • Select “Classic (PPO)” • Click “Submit” for a comprehensive directory of dentists

The Ameritas dental plan is a PPO that offers coverage in and out-of-network. It is to your advantage to utilize an in-network dentist in order to achieve the greatest cost savings. If you choose to go out-of-network, you will be responsible for any cost exceeding Ameritas’s negotiated fees, plus any deductible and coinsurance associated with your procedure.

Dependents are eligible to age 19; Eligible to age 24 if unmarried full-time student.

In-Network

Low Plan

High Plan

Annual Maximum

$1,500

$2,500

Deductible - (individual/family)

$50

Preventive

100%

Basic

100%

Major

60%

Orthodontia Deductible *Child Only

None

Orthodontia Coinsurance *Child Only

50%

Orthodontia Maximum *Child Only

$1,500

$2,500

Dental Rewards Program

Additional accumulation toward annual maximum

FUSION Benefit - Participants have 90 days from the date of service to file a claim.

Up to $100 may be used for eye exams, frames, lenes, contact lenses

Low Plan

High Plan

RATES

Employee

Employee Per Paycheck

Employee

Employee Per Paycheck

Employee Only

$24.71

$11.40

$52.40

$24.18

Employee + Spouse

$50.89

$23.49

$107.17

$49.46

Employee + Children

$57.80

$26.68

$116.81

$53.91

Employee + Family

$83.95

$38.75

$171.52

$79.16

Click here to learn about your dental benefits with Ameritas

*Orthodontia benefit only applies to children. Must be banded by age 17 and completed by age 19. Please visit www.ameritas.com.

Improving Health, Transforming Lives.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

FIND A PROVIDER To find a VSP provider in your area, visit the website at www.vsp.com.

VISION PLAN

● Click on “Find a Doctor”

The VSP vision plan offers coverage both in-network and out-of-network. It is to your advantage to utilize an in-network provider in order to achieve the greatest cost savings. If you go out-of-network, your benefit is based on a reimbursement schedule. In addition, if you are considering Lasik surgery or other non-covered benefits, there are discounts available with some providers.

● Search by Location, Office, or Doctor

● Enter Criteria and click “Search”

Click here to learn more about your vision benefits with VSP

VSP CHOICE

In Network

Base Plan

Buy-up Plan

Vision Examination

$10 copay

Retinal Screening

$0 copay

Examination Frequency

Every 12 months

$20 copay - Additional exams/services beyond routine care to treat immediate issues

Essential Medical Eye Care

Prescription Glasses

$25 copay

Lens Options: Single, Bifocal, Trifocal

Included in Prescription Glasses copay $0 copay $95 - $105 copay

Included in Prescription Glasses copay $0 copay $40 copay

Standard Progressive

Premium Progressive

$150 - $175 copay

$40 copay

Custom Progressive

Lens Enhancement Options

Average savings of 30%

Lens Frequency

Every 12 months

Included in Prescription Glasses copay $180 allowance $200 featured frame allowance $100 Walmart/Sam’s Club/Costco allowance 20% savings on amount over allowance

Included in Prescription Glasses copay $250 allowance $270 featured frame allowance $135 Walmart/Sam’s Club/Costco allowance 20% savings on amount over allowance

Frames

Frames Frequency

Every 24 months

Every 12 months

Elective: $160 allowance for contacts & exam (eval & fitting)

Elective: $230 allowance for contacts & exam (eval & fitting)

Contact Lenses (in lieu of glasses)

Contact Lens Frequency

Every 12 months

$180 allowance for ready-made non-prescription sunglasses or ready-made non-prescription blue

$250 allowance for ready-made non-prescription sunglasses or ready-made non-prescription blue

Lightcare (in lieu of glasses)

Frames Frequency

Every 24 months

Every 12 months

Laser Vision Correction

15% off retail price or 5% off promotional price

Network

VSP Choice

Base Plan

Buy-Up Plan

RATES

Employee Per Month

Employee Per Paycheck

Employee Only

$6.30

$2.91

$10.05

$4.64

Employee + Spouse

$12.60

$5.82

$20.08

$9.27

Employee + Children

$13.47

$6.22

$21.53

$9.94

Employee + Family

$21.53

$9.94

$34.19

$15.78

Affiliate/Costco Program: Plan benefits are the same with an affiliate or Costco provider as going to a VSP preferred provider. Please see their website at www.vsp.com . Dependents are eligible to age 26.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 11

VOLUNTARY SHORT TERM DISABILITY (STD) - MUTUAL OF OMAHA Voluntary STD is available at an additional cost to the employee through payroll deduction. There is no coverage for spouse or dependents.

AGE RATE TABLE

AGE

RATE - Per $10 of weekly benefit

0-29

$0.846

30-34

$0.771

35-39

$0.721

• Benefits begin on the 15th day of your disability injury (non-work related) or illness

40-44

$0.696

45-49

$0.734

24 maximum weekly payments

•

50-54

$0.796

55-59

$0.933

• Benefit is 60% of salary not to exceed $500 per week

60-64

$1.094

Click here to learn more about STD with Mutual of Omaha

65-69

$1.244

70+

$1.368

VOLUNTARY LIFE INSURANCE and ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) - MUTUAL OF OMAHA Voluntary Life Insurance and AD&D are available at an additional cost to the employee through pay roll deduction. The employee and/or dependents may need to qualify for benefits.

Employee Only:

$10,000 up to 7x annual salary up to $350,000 - Guarantee Issue: 7x annual salary up to $100,000 (Initial Eligibility)

Spouse:

$5,000 up to $100,00 not to exceed 50% of employee benefit - Guarantee Issue: Up to $30,000 (Initial Eligibility)

Child(ren):

$2,000 up to $10,000 not to exceed 50% of employee benefit - Guarantee Issue: Up to $10,000 (Initial Eligibility) Dependent children to age 26.

BI-WEEKLY PREMIUM RATE TABLE

CHILD PER $1,000 (must purchase minimum of $2,000 of coverage)

ATTAINED AGE

EMPLOYEE PER $10,000

SPOUSE PER $5,000

Less than 25

$0.39

$0.20

$0.18 regardless of number of children

25-29

$0.39

$0.20

30-34

$0.39

$0.20

35-39

$0.53

$0.27

40-44

$0.76

$0.38

45-49

$1.22

$0.61

50-54

$1.73

$0.87

55-59

$2.52

$1.26

60-64

$4.08

$2.04

65-69

$7.32

$3.66

70-74

$10.27

75+

$22.04

Click here to learn more about Life Insurance and AD&D with Mutual of Omaha

Improving Health, Transforming Lives.

12 CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

AFLAC VOLUNTARY PRODUCTS For the convenience of payroll deduction only, the following are offered on a voluntary basis. Employees pay 100% for these individual policies. All policies are portable should you leave CODAC.

Some of the important features: • You pay the premiums through convenient payroll deduction. • All benefits are paid directly to you. • All benefits are paid in addition to any other insurance you may have. • Family or individual coverage is available with most products. •

• Plans are affordable; rates will not increase due to changes in health or claims filed. • Dependents are eligible to age 26.

The available products you can elect: • Accident Coverage • Cancer Insurance • Hospital Protector

All plans are portable; they may be taken with you if you leave CODAC’s employment with no increase in premium. During Open Enrollment periods or as a new hire, you must meet individually with an AFLAC representative to elect these voluntary benefits and/or to review AFLAC benefits you currently have. NATIONWIDE PET INSURANCE CODAC’s Pet Insurance plan through Nationwide allows you to choose the level of coverage that fits your needs. There are no networks so your pet can visit any vet, anywhere and be reimbursed 70% or 50% on eligible vet bills and more. Optional wellness coverage is available to include spay/neuter, dental cleaning, exams, vaccinations, and more. Get a fast, no-obligation quote with CODAC preferred employee pricing today at http://www.petinsurance.com/codac. To enroll your bird, rabbit, reptile or other exotic pet, coverage is available by calling (877) 738-7874.

Click here to learn more about Nationwide Pet Insurance

403(b) RETIREMENT PLAN CODAC provides 403(b) and Roth 403(b) savings retirement plans

which are available to employees. Employees may contribute base wages as allowable by law into the 403(b) Retirement Plan as of the first day of hire. CODAC may match an employee’s contributions. There is a six year vesting schedule for agency contributions. Enrollment periods will be January 1 to January 15 and July 1 to July 15. Please refer to the CODAC intranet or contact Human Resources directly for assistance. Annual and catch-up, for participants age 50 or over, contributions are in accordance to IRS guidelines.

PROVIDED AT NO COST TO THE EMPLOYEE BENEFIT (CAFETERIA) ALLOWANCE •

Each pay period, eligible employees receive Cafeteria Allowance in the amount of $112.50 ($243.75 per month, $2,925 annually) to apply toward their pre-tax benefit elections in addition to their salary. • All or any portion of the Cafeteria Allowance not used by the end of the year is forfeit - - if you do not “ USE IT, YOU LOSE IT ”.

Click here to learn more about Basic Life and VTL with Mutual of Omaha

BASIC LIFE & AD&D INSURANCE - MUTUAL OF OMAHA Every benefit-eligible employee will be enrolled in a minimum of one times their annual salary (or no less than $20,000) life insurance coverage not to exceed $300,000.

LONG TERM DISABILITY INSURANCE (LTD) - MUTUAL OF OMAHA

• All employees in benefited positions receive long term disability coverage benefits, not to exceed 60% wage replacement, at no cost to the employee upon their one year anniversary.

Click here to learn more about LTD with Mutual of Omaha

• Coverage under this benefit begins on the 181st day of a medically documented continued non-work related disability and will replace 60% of your base pay.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 13

EMPLOYEE ASSISTANCE PROGRAM - MUTUAL OF OMAHA • Three face-to-face sessions with a counselor • Service for immediate and dependent family members • 24-hour toll-free access to EAP professionals 7 days a week • Telephone assistance and referral

Click here to learn more about what the Employee Assistance Program can do for you

EMPLOYEE ASSISTANCE PROGRAM - JORGENSEN/BROOKS Jorgensen/Brooks Employee Assistance provides confidential phone and face-to-face counseling assistance and referral at no cost. Professional counseling, assessment and referral are available for a wide range of personal and work related issues such as relationship concerns, emotional issues, career, family, parenting, legal or financial. FIVE WISHES – ADVANCED DIRECTIVE PLANNING CODAC considers each and every one of you to be an important part of this company, which is why it is so important to us to provide you and your families the support, peace of mind, and care that you need. At CODAC, we truly believe that planning for the future is crucial to living happier and healthier lives…now, and in the future. We understand that planning for the future goes beyond pension benefits and insurance. TUITION ASSISTANCE Full-time employees are eligible to receive $3,000 annual tuition assistance (per fiscal year) for pre-approved courses of study upon completion of 1 year of employment. Click here to learn more about Five Wishes

WELL HUB Well Hub is CODAC's fitness & wellness benefit that gives you access to gyms, studios, and on-demand and virtual wellness opportunities under just one membership.

Click here to learn more about Well Hub

COMPUTER PURCHASE PROGRAM Up to a 12% discount on Dimension™ and Inspiron™ Home & Home Office products. This is your best deal on a Dell home PC!

Discounted 3-5 business day shipping

Dell’s award -winning 24-hour online and telephone technical support

Frequent special values and promotions in addition to your standard discounts

www.dell.com/epp Member ID: PS79264258

ENTERPRISE FLEET MANAGEMENT Enterprise Preferred Partner Program offers discounts to CODAC employees. https://elink.enterprise.com/en/fleet.html

PAID TIME OFF (PTO) Eligible employees will accrue PTO in accordance with policy. PTO is used for personal time, vacation, bereavement, etc. PTO must be approved by a supervisor prior to being taken. PAID SICK LEAVE (PSL) In accordance with Arizona State Law, employees are offered paid sick leave to be used for illness and/or injury. HOLIDAYS CODAC offers employees eleven observed holidays per calendar year as defined in the Personnel Policies. (Eligibility starts on date of hire.)

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide

EMPLOYEE RESPONSIBILITY CALCULATOR Use the tool below to calculate your per pay period out-of-pocket cost

PRE-TAX BENEFITS

______ MEDICAL: Medical Plan and identify coverage level. Enter per paycheck cost.

______ HSA: Choose Health Saving Account Contribution. Enter per paycheck cost.

______ DENTAL: Choose Dental Plan and identify coverage level. Enter per paycheck cost.

______ VISION: Identify coverage level. Enter per paycheck cost.

______ FSA MEDICAL: Enter your per pay period contribution.

______ FSA LIMITED PURPOSE: Enter your per pay period contribution (must be enrolled in Choice Plus Plan).

______ FSA DEPENDENT CARE: Enter your per pay period contribution.

______ AFLAC ACCIDENT: Cost provided by AFLAC Representative. Enter per pay period cost.

+ I

______ AFLAC CANCER: Cost provided by AFLAC Representative. Enter per pay period cost.

______ AFLAC HOSPITAL: Cost provided by AFLAC Representative. Enter per pay period cost.

- $112.50 CAFETERIA ALLOWANCE PER PAY PERIOD

______ EE PRE-TAX RESPONSIBILITY: This is the amount you are responsible for pre-tax out of pocket each pay period. Note: There are 26 pay periods.

POST TAX BENEFITS

______ VOLUNTARY LIFE: See per pay period amount provided in Employee Access.

______ VOLUNTARY STD: See per pay period amount provided in Employee Access.

______ 529 COLLEGE PLAN

______ PET INSURANCE

______ ROTH 403(b)

______ EE POST-TAX RESPONSIBILITY: This is the amount you are responsible for post-tax out-of-pocket each pay period. Note: There are 26 pay periods. TOTAL EE RESPONSIBILITY: This is the TOTAL amount you are responsible for your benefit ______ selections out-of-pocket each pay period. Note: There are 26 pay periods.

K+F

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 15

CONTACT INFORMATION

If you have any questions regarding your benefits, please reach out to the appropriate contact listed below.

Carrier/Contact

Benefit/Title

Customer Service #

Website/Email

hrdepartment@codac.org CODAC Intranet Home Forms - Human Resources - Benefits

T: 520.202.1995 or ext 1300 F: 520.202.1718

Human Resources

GenerationYou

844.600.0919

Patient Advocacy (HDHP Plans)

www.umr.com

MedWatch

888.453.1096

Patient Advocacy (VBP Plans)

Healthscopebenefits.com

Claims Advocate (Dental & Vision)

CBIZ - Angela Schlosser

520.321.7503

aschlosser@cbiz.com

CVS/Caremark

Pharmacy Customer Care

888.202.1654

caremark.com

Ameritas

Dental

800.487.5553

ameritas.com

VSP

Vision

800.877.7195

vsp.com

Life/AD&D and Vol Life/AD&D LTD/Voluntary STD

Mutual of Omaha

800.655.5142

mutualofomaha.com

Mutual of Omaha

Employee Assistance Program

800.316.2796

mutualofomaha.com/eap

Voluntary Products - Accident Coverage, Cancer Insurance, Hospital Protector

AFLAC Nicholas Donia

520.250.7092

nicholas-donia@us.aflac.com

Nationwide

Pet Insurance

877.738.7874

my.petinsurance.com

Healthcare, Dependent and Limited

T: 800.815.3023, option 4 F: 800.584.4223

Flexible Spending Accounts

myplans.cbiz.com

Optum Bank

Health Savings Account

866.234.8913

optumbank.com

403(b)/Roth 403(b) Investment Guidance

Falbaum Investment Group

855.THE.403B

N/A

Jorgensen/Brooks

Employee Assistance Program

520.575.8622

jorgensenbrooks.com

4585 E. Speedway Blvd. Tucson, AZ 85712

www.CODAC.org

The purpose of this booklet is to describe the highlights of your benefit program. Your specific rights to benefits under the Plans are governed solely, and in every respect, by the official plan documents and insurance contracts, and not by this booklet. If there is any discrepancy between the description of the plans as described in this material and official plan documents, the language of the documents shall govern.

CBIZ Benefits & Insurance Services, Inc. 1765 East Skyline Drive Tucson, AZ 85718 520.327.6421

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