2026 AtlantiCare Benefits Booklet

HOWTOENROLL Take time to learn about your benefit options so you can make the best decisions for you and your family based on your needs. Make Sure You… • Read this workbook. • Review your dependent information. • Consider your 2026 health expenses to determine if participating in a flexible spending account or other voluntary benefits makes sense. • Review the 2026Wellness Program to earn HRA dollars. • Confirm your elections.* *If using MyADP.com click Confirmonce elections are selected.

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

Who Can Be Covered? Eligible dependents include: • Your spouse or domestic partner*

• Dependent children, including adopted children, foster children in your care and stepchildren. Children are eligible until the end of the year of their 26th birthday. • Other minor children if you are a legal guardian. • Children over age 26 with mental or physical impairments may be eligible – physician certifications must be provided. *If you would like to add a domestic partner as a dependent, you will need to complete the online portal process, including dependent verification, to get your domestic partner verified and added. You will be required to provide documentation confirming the registry of domestic partnership with a local government.

Remember: • The choices you make during Open Enrollment will go into effect on

January 1, and remain until December 31, unless you have a qualifying life event. • Newly eligible teammembers must actively elect to either participate in or waive benefits. Those who do not confirm enrollment within 30 days will be automatically enrolled in the Aetna Select Plan– ‘Employee Only,’ and the Horizon Basic Dental Plan – ‘Employee Only.’ • The choices you make as a new hire are efective from the first day of the month after you are hired, until December 31.

ChangingYour Coverage During the Year / Qualifying Life Events (QLE) If you experience a Qualifying Life Event, you have 30 days to make the necessary changes

Examples of a QLE include: • Adoption • Birth of a child • Marriage • Divorce • Death of a dependent

• Teammember/dependent lose other coverage • Teammember/dependent gain other coverage

to your benefits. You can make changes through myadp.com or call the AtlantiCare Benefits Service Center (1-800-211-3252) . Documentation must be submitted to confirm the event, or your old elections will be activated.

• A reduction or increase in the hours of employment resulting in a switch between part-time and full-time status

Please be sure to go back into your enrollment screen to add your dependent onto your coverage after completing the verification process.

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