BENEFITS ENROLLMENT 2023 2



BRYSAN UTILITY CONTRACTORS BENEFITS OVERVIEW

Provided By : BIS Benefits

Table Of Contents Eligibility Requirements About Us Medical Plan Outline + Anthem Plan details + Prescription Drug Formulary + Sydney Mobile Health App + Liveonline / Telehealth

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Dental Page 13 Vision Page 15 GoodRx Benefits Page 17 Supplemental Benefits Page 18 + Employee, Spouse and Child Voluntary Life page 18 + Employer Paid Basic Life and AD&D page 19 + Voluntary Short Term Disability page 20 + Long Term Disability page 21 Accident Insurance Critical Illness Insurance Anthem Hospital Indemnity Plan Benefit Contacts Glossary Benefit FAQ's

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WELCOME TO THE BENEFITS ENROLLMENT FOR BRYSAN UTILITY CONTRACTORS

PICK THE BENEFITS THAT ARE RIGHT FOR YOU

*Enroll in benefits *Enroll dependents to your benefits > eligible dependents are your legal spouse and dependent children * Mid-Year Benefits changes

The 2023 Benefit Enrollment Begins Immediately Following 90 Days Of Employment

Eligibility Requirements (subject to waiting period) • Full-time employees (30 hours per week) • Dependents of full-time employees including spouse and/or dependent children to age 26

An eligible employee may join the plan at open enrollment or within 30 days of a qualifying event.

Qualifying Events Include : • Marriage • Birth/Adoption • Death of a dependent • Dependent obtains other insurance • Divorce/Legal Separation • Work status change • Dependent children turning 26 • Court Order • Loss of coverage 3.

About Us BRYSAN UTILITY IS A TEAM EFFORT

Brysan Utility Contractors Inc. is a business that offers full-service utility support. We are fifty-one percent female owned and forty-nine percent veteran owned. We began in 1998 as a family-owned and operated business. At Brysan, we thoroughly love the ability to serve our community in any way that we can. Our crews work all over the state of Georgia, and we also have a vehicle relocation and hauling department. No matter where we are called, we will be there to assist in any storm damage. We believe that the reason for our success is because "in God we trust." Blessed are we to have a business in the land of the free!



WE SPECIALIZE IN

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Anthem Medical Plan Outline

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A FEW THINGS TO KNOW ABOUT YOUR PRESCRIPTION DRUG FORMULARY:



• SEARCH FOR YOUR DRUGS IN ADVANCE TO ENSURE THEY ARE A) COVERED UNDER THE FORMULARY B) DETERMINE WHAT TIER LEVEL THEY FALL UNDER C) DETERMINE IF ANY LIMITATIONS OR RESTRICTIONS APPLY. • SELECT THE DRUG SEARCH LINK BELOW TO START YOUR SEARCH: HTTPS://CLIENT.FORMULARYNAVIGATOR.COM/SEARCH.ASPX? SITECODE=6873775889 ONCE THIS LINK IS SELECTED, TYPE IN THE NAME OF YOUR MEDICATION IN THE SEARCH BOX SELECT THE APPROPRIATE DRUG AND DOSAGE LEVEL • CERTAIN COVERED MEDICATIONS HAVE LIMITATIONS AND RESTRICTIONS WHICH ARE INDICATED IN THIS DRUG SEARCH LIST. SEE EXAMPLE BELOW.

THESE MEDICATIONS MAY REQUIRE A PRIOR AUTHORIZATION (PA) OR STEP THERAPY (ST). PA/PRIOR AUTHORIZATION REQUIRES PREAPPROVAL BEFORE YOU CAN TAKE THE DRUG. ST/STEP THERAPY REQUIRES THAT YOU TRY OTHER DRUGS FIRST FOR YOUR TREATMENT. • IN THE EVENT THAT YOUR MEDICATIONS REQUIRES A PA OR ST, PLEASE CONSULT WITH YOUR PHYSICIAN TO EITHER FIND AN ALTERNATIVE OR ASK THAT YOUR PHYSICIAN SUBMIT A PA OR ST REQUEST FOR REVIEW. YOUR PHYSICIAN IS RESPONSIBLE FOR SUBMITTING THESE REQUESTS WHICH CAN ALL BE DONE ELECTRONICALLY.

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FOR ONLINE/MOBILE APP SUPPORT

PLEASE LOG INTO YOUR MEMBER PORTAL (WWW.ANTHEM.COM) DOWNLOAD SYDNEY (MOBILE APP) HTTPS://WWW.SYDNEYHEALTH.COM/ LOCATE NEAREST NETWORK PHARMACY VERIFY CURRENT COVERAGE INFORMATION VIEW THE MOST CURRENT PRESCRIPTION DRUG FORMULARY LIST FOR PRICING INFORMATION AND MORE



IF YOUR MEDICATION ISN'T ON THE LIST, HERE IS SOME INFORMATION YOU MAY NEED TO THINK ABOUT:

O IF YOU WANT TO TAKE A DRUG THAT’S NOT ON THE DRUG LIST, YOU MAY HAVE TO PAY THE FULL COST FOR IT. O YOU CAN ALSO TALK TO YOUR DOCTOR OR PHARMACIST TO SEE IF THERE’S ANOTHER DRUG COVERED BY YOUR PLAN THAT WILL WORK JUST AS WELL, OR IF GENERIC OR OTC DRUGS ARE AN OPTION. ONLY YOU AND YOUR DOCTOR CAN DECIDE WHAT DRUGS ARE RIGHT FOR YOU. O YOU CAN SEARCH FOR GENERIC DRUGS AT ANTHEM.COM. OTC DRUGS AREN’T SHOWN ON THE LIST. O IF A DRUG YOU’RE TAKING ISN’T COVERED, YOUR DOCTOR CAN ASK US TO REVIEW THE COVERAGE. THIS PROCESS IS CALLED PREAPPROVAL OR PRIOR AUTHORIZATION. YOUR DOCTOR CAN GET THE PROCESS STARTED BY CALLING THE MEMBER SERVICES NUMBER ON THE BACK OF YOUR MEMBER ID CARD OR BY DOWNLOADING A PRIOR AUTHORIZATION FORM FROM OUR WEBSITE AND SUBMITTING IT. IF YOUR REQUEST IS APPROVED, THE AMOUNT YOU PAY FOR THE DRUG WILL DEPEND ON YOUR PLAN’S BENEFIT.

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Dental Benefits Regular dental checkups can help you find warning signs of certain health problems, which means you can get the care you need to get healthy. So, don't skimp on your dental care, good oral care can mean better overall health!

Welcome To Your Dental Plan



Powerful and Easily Accessible Member Tools :

Ask a Hygienist : Dental members can simply email their dental questions to a team of licensed dental professionals who in turn will respond in about 24 hours. Dental Health Risk Assessment : We want our dental members to better understand their oral health and their risk factors for tooth decay, hum disease and oral cancer. This easy to use online tool can help them do this. Dental Care Cost Estimator : In order to help our dental member better understand the cost of their dental care, we offer access to a user-friendly, webbased tool that provides estimates on common dental procedures and treatments when using a network dentist. More Capabilities : With our latest mobile application, members can find a network dentist as well as view heir claims. Our application is available for both Android and Apple phones.

Dentists In Your Plan Network

You'll save money when you visit a dentist in your plan network because Anthem and the dentist have agreed on pricing for covered services. Dentists who are not in your plan network have not agreed to pricing, and may bill you for the difference between what Anthem pays them and what the dentist usually charges To find a dentist by name or location, go to anthem.com or call dental customer service at the number listed on the back of your ID card. Ready to use your dental benefits? Choose a dentist from the network Make an appointment Show the office staff your number ID card 13. Pay any deduction or copay that is part of your plan

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Vision Benefits

Buy Glasses and Contacts Where You Already Shop Purchase eyewear from an eye doctor in your plan's network or from a variety of regional and national stores such as LensCrafters, Pearle Vision and Target Optical. Or you can access online retailers 23/7 including Glasses.com, ContactsDirect, 1-800 CONTACTS and Ray-Ban. With over 39,000 eye doctors at more than 29,000 locations, you are sure to find an eye care professional that is close to work or home. https://www.anthem.com/employer/vision-insurance/

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Check Out GoodRx

Have questions? Watch our helpful video : https://vimeo.com/710529076

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Lets Talk Supplemental Benefits Employee Voluntary Life + Spouse Voluntary Life

All Employees can elect up to the Guaranteed Issue amount of $70,000 without having to complete a medical questionnaire. This is a "one-time only" availability. Employees can elect up to the Guaranteed Issue amount of $25,000 for their spouses without having to complete a health medical questionnaire. This will be the only time this is offered. This coverage is based on your (the employee) age. Spouse coverage cannot exceed 50% of the Employee's amount. If you select more than 50%, the amount will be bumped down to the next closest amount that is 50% or below. Spouse coverage terminates when you (the employee) reach the age of 70. All Late Entrants (ex. enrolling in 2024's open enrollment) will be required to complete a medical questionnaire and coverage is not guaranteed.

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Employer Paid Coverage

Basic Life Insurance coverage, pays benefits to your beneficiary(ies) if you die from most causes while coverage is in effect.

Accidental Death and Dismemberment (AD&D) insurance coverage adds low-cost accidental death protection by paying benefits in the event that your death is due to an accidental cause.

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Short Term Disability

All employees are eligible to enroll in Short Term Disability without completing a medical questionnaire.

Any Late Entrants (ex. 2024's Open Enrollment), Employees will be required to complete a medical questionnaire and coverage is not guaranteed.

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Voluntary Long Term Disability

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Accident Insurance

Accident coverage provides a cash benefit in one lump sum if you or a covered family member is injured because of an accident. Use accident coverage to help pay for out-of-pocket medical costs, such as ambulance fees, physical therapy, X-rays or daily expenses like rent, food, transportation. This plan covers accidents that occur both at and outside of the workplace. Key Features: No cash benefit is paid directly to you in lump-sum, tax free payment No medical questions or exam needed to enroll You can take your coverage with you even if you leave your employer No limitations or pre-existing conditions

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Critical Illness Insurance

Critical Illness coverage provides the added layer of security you want and need when illness occurs— a lumpsum cash benefit to help pay for unexpected costs. You decide how to use the benefits to best support recovery for yourself or a family member. Use your critical illness coverage to help pay for out-of-pocket medical costs, such as for prescriptions, hospital bills, Xrays or daily expenses like rent, food or transportation. Key Features : Cash benefit is paid directly to you in a lump-sum, tax free payment $50 payment towards health screenings, such as lipid panel or fasting glucose test. You can take your coverage with you even if you leave your employer. Convenience We are here to help. To file a claim, start with the claim form provided by your employer. Follow the instructions on the form to submit and contact the phone number listed on that form with any questions about your benefits or about how to file a claim.

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Hospital Indemnity Plan

Hospital Indemnity provides a lump-sum, tax-free cash benefit to help pay for costs that can come with a hospital stay that your health plan doesn’t cover. Use your hospital indemnity coverage to help pay for out-ofpocket medical costs or daily expenses like rent, food or transportation. Key Features : Cash benefit is paid directly to you in a lump-sum, tax free payment Covers hospitalization for maternity from day one with no waiting period. You can take your coverage with you even if you leave your employer for up to three years. No limitations for pre-existing conditions. Convenience We are here to help. To file a claim, start with the claim form provided by your employer. Follow the instructions on the form to submit and contact the phone number listed on that form with any questions about your benefits or about how to file a claim.

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CONTACTS BIS Benefits Office 770.645.6908 www.BISbenefits.com Senior Account Executive Mike Woodard 770.645.9301 [email protected] Benefit Renewal Specialist Hunter Decker 678.680.6516 [email protected]



Client Services Associate Angela Ponelis 687.680.6514 [email protected] Anthem Blue Cross Blue Shield Member Services 1.77.812.9777 www.anthem.com/shbp Anthem Blue Cross Blue Shield Shield Perspective Member Services 1.855.641.4862 www.anthem.com/shbp Dental Complete 1.877.604.9267 Pharmacy Member Services 1.855.397.9267 Blue View Vision 1.866.723.0515

"WE PROVIDE CREATIVE HEALTH INSURANCE SOLUTIONS WITH EXCEPTIONAL SERVICE" MISSION STATEMENT - BIS BENEFITS, INC

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BENEFITS TERMINOLOGY What is a deductible?

What is coinsurance?

What is copay? What is an out-of-pocket maximum? What is pretax benefit deduction?

Glossary



Your deductible is the amount you pay out of pocket before your insurance provider pays a portion of the bill. There may be certain benefits, such as office visits and prescriptions, where the deductible does not apply. After you meet your deductible, coinsurance is when you and your insurance provider share the costs of your medical care. You pay a percentage and your insurance provider pays the remaining amount until you hit your out-of-pocket maximum. A copay is a fixed payment you pay for a covered service. For example, you may pay a $35 copay to see your primary care physician. This is the maximum you pay out of pocket for medical care within a year. Any charges above this amount are paid at 100% by your insurance provider for the rest of the plan year. Deductibles, coinsurance, and copays are all included in our plans’ out-of-pocket maximums. The cost of your benefits is deducted from your paycheck before taxes are calculated and you are therefore only taxed on your remaining paycheck balance. You pay less taxes this way.



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Benefit FAQ's 1 . What benefits am I currently enrolled in? a. To view your benefits selections for the active plan year, visit the Employee Self Service Center in ADP.

2 . How do I find out if my doctor is in network? a. Go to www.anthem.com and click on “Find Care”

b. If you are not yet registered and logged in under yourself, scroll down and select “Guests”.

c. Scroll down and follow these steps to help you with your search: i. Select what type of care you need or are searching for from medical, Dental, or Vision in that dropdown.



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i. In the “What State do you want to search in” field, select Georgia as the plan is written in Georgia, even though it will cover your home area. ii. In the next drop down, “What type of plan do you want to search with?” select the following based on the type of plan you are searching for a provider in: 1. Medical: Select “Medical (Employer Sponsored)” 2. Dental: Select “Dental” 3. Vision: Select “Vision” iii. In the “select a plan/network”, select: 1. Medical – “Blue Open Access POS (Select Network)” if you reside in Georgia or “National Blue Card PPO” if you reside outside of Georgia 2. Dental – “Dental Complete” 3. Vision – “Blue View Vision” b. Select Continue c. You can search by provider OR run a general search

3. What medical plan should I choose? a. To learn more about the available medical plans, please review the Benefits Enrollment Guide. We also recommend that you use the “Plan Comparison Feature within the ADP Benefits Enrollment site if you are uncertain about which medical plan to choose for a side by side comparison of primary plan features or to see what benefits are available for the dental and vision plans.



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4. Do I need to provide documentation (i.e., marriage/birth certificates) during benefits open enrollment? a. Not during open enrollment. b. If you are enrolling a Common Law Spouse as a qualifying life event, you will need to complete an Affidavit of Common Law Marriage. c. In some cases, you may be eligible for mid-year change through a Qualifying Life Event (QLE) – such as a birth/adoption, marriage, or divorce. In this case, documentation will be required to process your change. 5.What happens if I need medical care outside of my home coverage area? a. All individuals enrolled in an Anthem medical plan are covered for urgent and emergency care anywhere in the world. “Covered” means that expenses will apply towards your deductibles and out-of-pocket maximums, and insurance will cover the claim as if it were within the network.

6. Are routine services covered outside of the home coverage area? a. If you are needing urgent or emergency services and are able to, contact your insurance company before seeking care outside of your home coverage area. Using the SYDNEY mobile app is the best way to look up in network providers.

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7. I have a child who is away at college and needs medical coverage. What do I do? a. Children under 26 years of age may be covered under their parents’ medical, dental, and vision insurance plans. Anthem offers plans/benefits for dependents who live outside of their home coverage area. Check to see if Anthem has physician and medical; offices in the area where your child will be living. You can do this through the SYDNEY mobile App.

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