BL Companies | 2022 Benefits Brochure

MEDICAL PLANS OVERVIEW We offer the choice of three (3) medical plans through Cigna. All of the medical options include coverage for prescription drugs, dental and vision coverage. To select the plan that best suits your family, you should consider the key differences between the plans, the cost of coverage (including payroll deductions), and how the plan covers services throughout the year. Health Insurance Our health insurance plan is a Preferred Provider Network (PPO) administered by Cigna Open Access Plus. There is a waiting period of 30 days from start date. Below please find our current employee contributions (per biweekly pay period):

2022 EMPLOYEE CONTRIBUTIONS (Includes medical, vision and dental) Medical

STANDARD PPO LOWER COST PPO HDHP WITH HSA

$88.00

$55.00 $115.00 $110.00 $148.00

$36.00 $76.00 $73.00 $98.00

Employee Only

Employee + Child (ren) $184.00

$176.00 $237.00

Employee + Spouse Employee + Family

Medical Coverage As a PPO, there are certain providers in the network who are favored by Cigna Open Access Plus — they have worked out specific rates with them and we reap the benefits of the discounts. Telemedicine Virtual care lets you get the care you need — including most prescriptions (when appropriate) — for a wide range of minor conditions. • Who : Board-certified doctors and pediatricians as well as licensed counselors and psychiatrists. • When : Medical conditions: 24/7/365 day or night, including weekends and holidays. Behavioral health: schedule an appointment. • How : Phone or video.

Dental Care Dental visits do not require a network provider. However, employees are encouraged to use a provider from the Cigna Dental PPO Network to benefit from the discounts provided through the network. The plan provides for two free cleanings a year and varying percentages of coverage depending on the work that is being done. Orthodontia is provided for children only. Vision Care Vision visits do not require a network provider. However, employees are encouraged to use a provider from the Cigna Vision Plan to benefit from the discounts provided through the network. This benefit includes: eye exams ($20 co-pay, any provider), frames, lenses, contacts, and prescription sunglasses. There is a $200 maximum coverage per member, per calendar year.

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