2023 AtlantiCare Benefits Booklet

Voluntary Offerings

TABLE OF CONTENTS WELCOME.................2 WHAT’S NEW. ...........3 SERVICE CENTERS AND WEBSITES..........4 HOW TO ENROLL....5-6 MEDICAL..............7-14 PRESCRIPTION DRUG. ................15-17 ADDITIONAL MEDICAL PLAN RESOURCES........18-22 DENTAL...............23-24 VISION.....................25 LIFECENTER..............26 LIFE INSURANCE. .....27 DISABILITY...............28 VOLUNTARY OFFERINGS. ........29-32 SPENDING ACCOUNTS. ............33 RETIREMENT BENEFITS..................34 WELLNESS. .........35-38 LEGAL NOTICES...39-41 GLOSSARY..........42-43 FAQs...................44-46 CONTACTS.........47-48 FORMS................49-58

Student Loan Refinancing You could be on your way to substantial savings. GradFin’s mission is to help student loan borrowers repay their student loans faster so they can start saving for the future. Employees can take advantage of one-on-one financial education over the phone and an easy online application process. The program helps to: • Reduce student debt through strategic refinancing and consolidation plans using a multi-lender platform. • Allow parents and their children to make a college funding plan to finance tuition costs. • Find you the lowest rate and repayment plan that works for your budget. Home Buyers Program – Down Payment Assistance (DPA) AtlantiCare offers down payment assistance of up to $10,000 for employees who are interested in purchasing a home in Atlantic City. Residency and educational sessions are required as part of the program. For more information, email housing@atlanticare.org .

First Harvest Credit Union First Harvest Credit Union has been providing financial products and services to our members for almost 80 years. There are full-service branch locations throughout southern New Jersey and Pennsylvania. As a Member of First Harvest Credit Union, you’ll enjoy a variety of financial products and services and 24-hour access to your account via online banking and their mobile app.

Free Checking • No minimum balance requirement • No monthly fees • Unlimited check writing • Overdraft Privilege* Savings Accounts • Money Markets & IRAs • Certificates • Holiday & Vacation Club Lending Products • Auto Loans (New & Used) • Boat, Motorcycle & RV Loans • Credit Builder Loans • Home Equity Loans • Home Equity Line of Credit • Mortgages • Personal Loans • Platinum Visa Credit Card

*For qualified members. Terms, conditions and restrictions apply. Some products require credit approval. Visit the Membership page at www.firstharvestcu.com

*Voluntary Benefit Questions? Please contact Corestream, the AtlantiCare Voluntary Benefit vendor, at 1-855-799-5400.

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