Open Enrolment Microsite Template

Video OPEN ENROLLMENT Begins May 13th and ends May 22th Karla Westmore Our Company

What is Open Enrollment? Open enrollment is a designated period during which employees can review, make changes, or enroll in their benefits plans for the upcoming year. It’s an essential opportunity for employees to ensure their benefits package aligns with their personal and family needs, and it’s crucial for employers to provide clear, organized information during this time. Open Enrollment • Set time frame period. • Plan Options. • No Medical Underwriting. • Flexibility. • Educational Resources.

Common Insurance Terms Understanding insurance terminology is key to making informed decisions about your benefits. Here are some essential terms to help you navigate your coverage with confidence. Premium The amount paid for insurance coverage, usually on a monthly, quarterly, or annual basis. Claim A request made to the insurance company for payment or coverage for a loss or event. Deductible The amount the insured must pay out-of-pocket before insurance coverage kicks in. Coverage The protection provided by an insurance policy against financial loss or damage. Copayment The amount the insured must pay out-of-pocket before insurance coverage kicks in. Coverage The protection provided by an insurance policy against financial loss or damage.

Understanding Self-Insured Plans Self-insured plans give employers greater control over healthcare costs by directly funding employee benefits instead of paying fixed premiums to an insurance carrier. This approach allows for more flexibility, cost savings, and customization based on employee needs. With self-insurance, businesses take on the financial responsibility for claims while using stop-loss insurance to protect against high-cost expenses. This model provides transparency, better cash flow management, and the ability to design a plan that aligns with company goals. Learn More 1. Fund Set Up – Employer sets aside money for claims. 2. Claims Processed – Employees use benefits, and claims are submitted. 3. Employer Pays – Approved claims are paid from the fund. 4. Stop-Loss Kicks In – Protection against high-cost claims. 5. Optimize & Adjust – Track data and refine benefits.

Benefits Program Summary Our benefits program is designed to provide comprehensive coverage and support for employees and their families. We offer a range of plans that can be customized to suit individual needs. Below is an overview of the different benefits available and their key features. Benefit Provider Description Dental Insurance BrightSmile Dental Coverage for routine dental check-ups, cleanings, and major dental procedures. Vision Insurance ClearSight Vision Coverage for eye exams, glasses, and contact lenses. Disability Insurance ShieldCare Insurance Short- and long-term disability coverage for illness or injury. Life Insurance LifeGuard Insurance Provides a payout to beneficiaries in the event of the employee’s death.

What are my Healthcare costs? Healthcare costs can vary depending on the type of coverage, the provider, and the specific plan selected. Understanding the breakdown of these costs helps employees make informed decisions about their health insurance options. Below is an overview of common healthcare costs: Cost Type Provider Description Premium $350 per month $850 per month Deductible $1,500 per year $3,500 per year Copayment $25 per visit $45 per visit Out-of-Pocket Maximum $5,000 per year $10,000 per year Prescription Costs $10 per prescription $25 per prescription

Dental & Vision Weekly Premiums Protect your smile and vision with comprehensive, budget-friendly coverage. Our plans ensure access to quality dental and vision care at an affordable weekly rate, helping you and your family stay healthy without financial stress. Cost Type Employee Family Employee + Family Dental Plan $3.20 $18.00 $18.00 Vision Plan $3.20 $18.00 $18.00 Dental & Vision Bundle $6.50 $24..00 $24..00

Disability, Group Life, and AD&D Coverage This coverage helps maintain financial stability, covering essential expenses such as rent, mortgage payments, utilities, and daily living costs. By securing disability insurance, you can focus on recovery without the added stress of lost wages, giving you and your loved ones peace of mind during difficult times. $20,000 benefit at no cost to eligible employees Spouse coverage of $7,500 and child coverage of $2,000 (under 6 months) or $7,500 (6 months and older) for a small fee of $0.45 per pay (one fee for all children) Group Life and AD&D Replaces 65% of weekly salary, up to a $1,200 max benefit Benefits start on day 7 for illness or injury Coverage lasts up to 14 weeks Pre-existing condition clause applies within 3 months before enrollment and the first 6 months on the plan Voluntary Short-Term Disability

BeneSync BeneSync is an all-in-one benefits management app designed to streamline healthcare, insurance, and wellness programs for employees and HR teams. With real-time updates, easy enrollment, and 24/7 access to plan details, BeneSync ensures users stay informed and in control of their benefits anytime, anywhere. Group Life and AD&D Smart Enrollment – Easy step-by-step benefits selection. Instant Access – View plans, ID cards, and coverage anytime. Claims Tracker – Track claims, approvals, and payments. Live Chat – Get expert support on demand. Wellness Hub – Health programs, virtual care, and rewards. Key Features:

4 Ways to Save on Health Care Use Preventive Care – Regular check-ups, screenings, and vaccinations can help detect health issues early, preventing costly treatments down the line. Most plans cover preventive care at no extra cost, so take advantage of it. Choose In-Network Providers – Visiting doctors, specialists, and facilities within your insurance network ensures lower out-of-pocket costs. Before scheduling an appointment, confirm that the provider is in-network to avoid surprise bills. Compare Prescription Prices – Medication costs can vary widely. Ask your doctor about generic alternatives, use prescription discount programs, and compare prices at different pharmacies to find the best deal. Utilize Telehealth Services – Virtual visits with doctors and specialists can be a cost-effective alternative to in-person appointments for minor illnesses, follow-ups, and general consultations—often at a lower copay.

JOIN US Partner with us to build smarter, more cost-effective benefits solutions. Gain expert support, customized plans, and a seamless experience that puts your employees first. Let’s create a better benefits strategy together! Sarah, Marketing Team "The fitness challenges at VitalCore pushed me to prioritize my health. I've lost 15 pounds, and I feel more energetic than ever!" David, IT Department "Access to the counseling services helped me manage work-related stress. I'm now more focused and productive at work."