AtlantiCare 2025 Benefits Booklet

VOLUNTARY BENEFITS (CONT.)

Welcome.................................... 2 What’s New?............................. 3 How to Enroll........................... 4 Medical....................................... 6 Prescription Drug.................14 FQHC.........................................16 Additional Medical Plan Resources................................17 AtlantiCare Longevity Lifestyle Program................18 Dental.......................................20 Vision.........................................22 Life Insurance........................25 Disability..................................26 Voluntary Offerings.............27 Educational Support & Career Development..........27 Financial Well-being...........28 Health &Wellness................29 Savings.....................................31 Voluntary Benefits...............32 Spending Accounts.............35 Retirement Benefits............36 Contacts...................................38 Legal Notices.........................40 Wellness Checklist...............42

Critical Illness Insurance* The Critical Illness bene t from Allstate helps provide nancial assistance should you or a covered family member be diagnosed with a covered illness such as a heart attack, stroke or cancer. For these types of illnesses, your cash needs are signi cant, and could include medical expenses like deductibles, copays and coinsurance costs, as well as non-medical expenses such as transportation, childcare, lost time from work and home maintenance. The plan is easy to use. Simply provide proof of your covered condition once and the plan pays a lump-sum bene t directly to you in addition to any other insurance bene ts you may receive. You may purchase up to $30,000 of coverage. Spousal coverage is available up to 50% of your elected amount and dependent children are covered at 50% of your coverage amount at no additional cost. This is not a once-and-done bene t. Benefits are payable for each covered condition if the diagnosis is separated by at least 90 days. If a serious illness happens to you or a loved one, Allstate Critical Illness coverage provides you with a lump-sum payment that can be used for expenses not usually covered by medical or disability income plans. Coverage is available for you, your spouse and dependent children. During your initial opportunity to enroll, you may elect coverage without having to answer health questions. The plan will not pay a bene t during the rst 12 months for a condition that you were being treated for or sought medical advice for during the 90 days prior to your enrollment in this plan. Critical Illness Insurance - What’s New for 2025? Allstate is removing the pre-existing conditions clause from the current plan. There are 22 new diseases covered at 100% under this enhanced benefit. Allstate added the benefit of recurrence of cancer, which means if a claimant has a second diagnosis of cancer separated by 6 months, Allstate will pay 100% of the benefit a second time. Coronary artery disease coverage jumps from 25% to 100% covered benefit.

Group Universal Life Insurance* Allstate Group Universal Life provides a lump-sum cash bene t upon death – plus a long-term care feature. Life insurance coverage is for the living; those left behind must deal with nal expenses, bills, mortgage and expenses associated with day-to-day life. It can also help provide nancial security during life-changing events that occur as you age and your needs change. Plus, fund value accumulation allows for loans and withdrawals when needed. Group Universal Life Insurance is exible and can provide living or death bene ts that adjust based on changing lifetime needs. It includes: • Cash Value – for loans and withdrawals, when needed • Living Bene ts – in the event of a Terminal Illness • Long-Term Care Bene ts – for quali ed Long-Term Care expenses It is permanent as opposed to term insurance – as long as you pay the required premiums, the policy will provide a death bene t. It is portable – you can take it with you, regardless of employment or retirement, without a change in premium because you have aged. Upon your election of Universal Life Insurance, you have the option to elect additional coverage for your dependents: • Spouse Universal Life includes the same exible provisions such as living or death bene ts. • Children Term Life Insurance 1-855-799-5400 customercare@corestream.com

1-855-799-5400 customercare@corestream.com *Subject to Open Enrollment and Plan guidelines.

- 33 -