2026 AtlantiCare Benefits Booklet

FINANCIALWELL-BEING Credit Unions 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 options with no minimum balance requirement, no monthly fees, unlimited check writing, and overdraft Privilege* • Savings Accounts options such as Money Markets & IRAs, Certificates, and Holiday & Vacation Club • Lending Products options such as Auto Loans (New & Used), Boat, Motorcycle & RV Loans, Credit Builder Loans, Home Equity Loans, Home Equity Line of Credit, Mortgages, Personal Loans, and a PlatinumVisa Credit Card *For qualifiedmembers. Terms, conditions and restrictions apply. Some products require credit approval. Visit the membership page at www.firstharvestcu.com .

WELCOME....................................2 WHAT’S NEW..............................3 HOW TO ENROLL......................4 HEALTHCARE TRANSFORMATION CONSORTIUM (HTC)...............6 GETTING TO KNOW YOUR PLAN.................................7 MEDICAL......................................8 PRESCRIPTION DRUG.......... 17 FQHC........................................... 19 ADDITIONAL MEDICAL PLAN RESOURCES................. 20 WELLNESS PROGRAM......... 21 DENTAL...................................... 23 VISION........................................ 25 LIFE INSURANCE.................... 28 DISABILITY............................... 30 VOLUNTARY OFFERINGS... 31 EDUCATIONAL SUPPORT & CAREER DEVELOPMENT...................... 31 FINANCIAL WELL-BEING.... 32 HEALTH &WELLNESS.......... 33 SAVINGS.................................... 34 VOLUNTARY BENEFITS....... 35 SPENDING ACCOUNTS............................... 38 RETIREMENT BENEFITS................................... 39 CONTACTS................................ 41 LEGAL NOTICES....................... 43 WELLNESS CHECKLIST........ 45

NEW Jersey Shore Federal Credit Union Jersey Shore Federal Credit Union is here for all your banking needs. We are a member-owned, not-for-profit financial cooperative. Our main goal is to provide quality services to meet the financial needs of our members. We ofer great rates on savings and loans, an exceptional checking account, free or low-cost financial products, and friendly, personal service. Membership is available to anyone who lives, works, worships, volunteers or attends school in Atlantic or Cape May counties, as well as employees or members of an organization in our Community Network. Family members of existing members are also eligible to join the credit union. Jersey Shore FCU ofers: • Free Online and Mobile Banking Services, Checking Accounts, and Debit card • 85,000 surcharge-free ATMs includingWawa and 7-Eleven Stores • Instant and easy access to Direct deposit, Payroll Allotments, and Bill Pay Service • Variety of low-rate loans including: Auto, Personal, Home, Credit card, and more! You an open an account easily by visition one of the Jersey Shore FCU branches or online by visiting the website JerseyShoreFCU.org .

FinancialWellness Seminars The Empower Learning Center ofers monthly educational webinars on a variety of financial wellness topics. Past sessions have included retirement myths, caring for aging parents, planning for healthcare costs, investing, and more. Click here to access Empower - Learning Center - Homepage Identity Theft Protection Enroll in proactive credit and identity protection from IDWatchdog. Advanced identity monitoring scours billions of public records to search for signs of potential identity theft. If your identity is stolen, dedicated resolution advocates fully manage your case until it is resolved. You’ll also get up to $1 million Identity Theft Insurance that helps pay certain out-of-pocket expenses. 24/7 customer care specialists are there when you need them. 1-855-799-5400 customercare@corestream.com

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