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BWC Terminals 2022 BenefitsOpen Enrollment October 25-November 8

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What We Will Cover Today

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Eligibility

What I need to do and when

2022 – Benefits available to you

Where do I go for help

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• Employees who work 30 hours or more per week on a regularly scheduled basis

• Lawfully married spouse or domestic partner, as documented

• Dependent children, married or unmarried, up to age 26

• Dependent children over the age of 26, if mentally or physically disabled before the age of 26

• Coverage is effective the day of employment

Your Elections are Effective January 1, 2022 through December 31, 2022 unless you have a qualifying family status change

Who is Eligible?

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What Is a Family Status Change

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YOU MUST MAKE CHANGES TO YOUR ELECTIONS WITHIN 30 DAYS OF A FAMILY STATUS CHANGE

Benefits terminate on the last day of the month in which you are an active employee for medical, dental and vision

• You get married• You get divorced, legal separation or

annulment• You change from full time to part time

and lose your benefit eligibility• Your spouse or child loses employment• Your child is no longer qualified

dependent• You have a death of a qualified

dependent• You have a baby, adopt a child or are

granted legal guardianship of a child• You become eligible or lose eligibility for

Medicaid, Medicare or the CHIP plan

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What You Need to Do & When

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• Review your 2022 benefit options in ADP

• Enroll/Add/Make changes to your benefit elections

October 25 – November 8

• Enroll in HSA or FSA (these elections must be made annually)

• Review and update beneficiaries in ADP & Fidelity

• Log on to ADP either on your computer or mobile apphttps://workforcenow.adp.com

What happens if I do nothing?

Your current elections from 2021 will rollover to

2022

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Medical and Pharmacy - BCBSTX

What is Staying the Same?

• 3 medical plans to choose from – 2 PPO options and an HDHP• BWC will match your HSA contributions dollar for dollaro Employee $750 o Employee + Spouse or Child(ren) $900o Employee + Family $1,500

• Contributions will be pro-rated by pay period

What is Changing?

• Specialty Pharmacy vendor will be Express Scripts Pharmacy and Accredo.

• “Enhanced Rx formulary” changes every year. Please refer to the BCBSTX website for the latest information

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3 Medical Plan Choices - BCBSTX

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*After Deductible ** You pay the Non-Network Coinsurance PLUS the copay if you use a Non-Network Pharmacy

YOUR COST SHARE In-Network Non-Network In-Network Non-Network In-Network Non-Network

Annual Deductible- Per Person- Maximum Per Family

$1,000$2,000

$2,250$4,500

$2,500$5,000

$7.500$15,000

$4,000 $8,000

$8,000$16,000

Out of Pocket Maximum- Per Person- Maximum Per Family

$3,000$6,000

$5,000$10,000

$6,000$12,000

$18,000$36,000

$4,000$8,000

$12,000$24,000

Your Share (Coinsurance) 10% * 30% * 30% * 50% * 0% * 30% *

Copay Only Services--Primary Care--Specialist--Urgent Care--Emergency Room

$25 $40$100$500

30% *30% *30% *30% *

$40$75

$100$750

50% *50% *50% *50% *

0% *0% *0% *0% *

30% *30% *30% *30% *

Preventive Care No cost to you 30% * No cost to you 50% * No cost to you 30% *

Prescription Drugs (30days)--Generic--Brand Formulary--Brand Non-Formulary--Specialty Medication

$10 copay **$25 copay **$55 copay **

20% to $1000 **

$10 copay **$25 copay **$55 copay **

20% to $1000 **

0% *0% *0% *0% *

30% *30% *30% *30% *

Enhanced PPO Basic PPO HDHP PLAN

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Plan Tier 2021 Monthly Cost 2022 Monthly Cost Change

Ee $160 $170 +$10 Enhanced PPO Ee + Sp $360 $385 +$25

EE - DED - $1000 - MAX -$3000 Ee + Ch(s) $330 $350 +$20

FAM - DED - $2000 - MAX -$6000 Ee + Fam $470 $535 +$65

Ee $125 $125 $0

Basic PPO Ee + Sp $280 $280 $0EE - DED - $2500 - MAX -

$7500 Ee + Ch(s) $265 $265 $0

FAM - DED - $5000 - MAX -$15,000 Ee + Fam $375 $425 +$50

Ee $30 $30 $0

HDHP Ee + Sp $70 $70 $0EE - DED - $4000 - MAX -

$4000 Ee + Ch(s) $65 $65 $0

FAM - DED - $8000 - MAX -$8000 Ee + Fam $90 $100 +$10

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What Do I Pay for My Medical Plan?

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What is the right plan for me?

VS.

Remember, if you enroll in the HDHP, BWC Terminals will match your contributions to your health

savings account up to:

1. Do you prefer to pay higher premiums out of your paycheck, but less when you need care? (PPO) Or, do you prefer to pay less out of your paycheck, but more when you need care? (HDHP)

2. What planned medical services or prescriptions do you expect next year?3. Are you able to budget for your deductible by setting aside pre-tax dollars from your

paycheck in an HSA or FSA?

Employee $750Employee + Spouse or Child(ren) $900

Employee + Family $1,500

Preferred Provider (PPO) • Higher monthly contributions• Lower deductible• You can budget for your out-of-pocket

expenses by funding a healthcare FSA (flexible spending account)

• Contributions to your FSA must be used within the same plan year (Use it or Lose it)

High Deductible Health Plan (HDHP)• Lower monthly contributions• Higher deductible• You pay all the medical expenses until the

deductible is met• You can budget for your out-of-pocket expenses

by funding a Health Savings Account (HSA)• Contributions to your HSA can build over time

and be used for future medical expenses with the option to invest your money

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• If you elect the High Deductible Health Plan (HDHP) you can contribute to a Health Savings Account (HSA)

• You can NOT be enrolled in ANY other coverage except BWC’s High Deductible Health Plan (including being entitled to or enrolled in Medicare)

• Eligible expenses include medical, dental, RX, and vision deductible or cost share• Account balances rollover from year to year

• Funds are deposited pre-tax, grow pre-tax and can be taken out pre-tax • You or your dependents must be eligible at the time the expense is incurred. If

funds are taken out for ineligible expenses, you will be taxed on the amount and be subject to a penalty

• You can change your HSA elections throughout the year

• You can invest funds once your balance reaches a $1,000

• This is YOUR account. If you leave BWC Terminals, you take it with you! • You will receive a new Debit card if you are new to the plan. Otherwise, your

current debit care will continue to work.

Health Savings Account (HSA)

Keep your receipts. You may be asked by the IRS to verify that your HSA funds were used for eligible expenses if you are audited

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Still uncertain about HSA? Join a webinar

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• If you elect the PPO Enhanced or PPO Basic plan you can contribute to a Flexible Spending Account (FSA)

• You may contribute up to $2,750 annually for expenses incurred in 2022

– “Use it or lose it” rule applies– You may not change your election

during the year– You may use funds for eligible Medical,

Dental and Vision expenses• You may have to submit receipts for FSA

Claims. If you do not submit receipts when requested, your card may be suspended, you may not be reimbursed, or you may be taxed. Check your account regularly for notices

Healthcare Flexible Spending Accounts will be administered by Discovery Benefits in 2022

All claims for 2022 expenses must be submitted to Discovery no later than March 31, 2023 to be eligible for reimbursement

under the plan.NO EXCEPTIONS!

Healthcare Flexible Spending Account

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• Dependent Care Flexible Spending Accounts (DCFSA) are administered by Discovery Benefits

• DCFSA is for eligible childcare expenses such as preschool, summer day camp, before or after school programs, and child or adult daycare

• DCFSA cannot be used for dependent healthcare expenses• Your spouse must be working, actively looking for work or a full-time student• You can only take out the funds you have deposited pre-tax• The maximum election and withdrawal per married couple is $5,000 per calendar year • If your spouse contributes to their DCFSA, you are both limited to $2,500

o Different expenses must be submitted to each plan

All claims for 2022 expenses must be submitted to Discovery no later than March 31, 2023, to be eligible for reimbursement under the plan.

NOTE: Your money must be in your account before a reimbursement can be made

Dependent Care Flexible Spending Account

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Where to go for careDeciding where to go for medical care may save you time and money

24/7 Nurseline

Call 800-581-0393 to speak with a nurse at no

additional cost

Virtual Visits

Access to board certified MDLive doctor at 888-680-8646, MDLive.com or with the MDLive Mobile App

Doctor’s Office

Doctor to patient relationship established

and treatment recommended based on

knowledge of medical history

Urgent Care Center

Use when doctor’s office is closed, and not considered an

emergency

Emergency Room

Use for true emergency situations

Search for In-Network Providers at bcbstx.com

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Dental - BCBSTXIn-Network Out of Network (OON)

Annual Deductible $50 Individual / $150 Per Family MaximumCoinsurance

−Preventive 100% 100%−Basic 80% 80%−Major 50% 50%−Orthodontia (child and adult) 50% 50%

Maximum - Annual $2,000 (Preventive care does not count toward the $2,000)

Maximum – Ortho Lifetime $2,000

Provider Allowable Fee USE NETWORK PROVIDERS! In-Network Negotiated Fee

90th Percentile Reasonable and Customary – You may be balanced

billed for amounts over 90th

Percentile

Monthly Rates 2021 2022

Employee Only $10 $10

Employee & Spouse $20 $20

Employee & Children

$30 $30

Family $40 $40

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Vision - Vision Service Plan (VSP)In-Network Out-of-Network

ExamsFrames

$20 copayUp to $130, then 20% discount

Up to $45Up to $70

Lenses - Materials- Single- Bifocal- Trifocal- Lenticular- Progressive

$20 copay then100%100%100%100%

$55 -$175 copay

ReimburseUp to $30Up to $50Up to $65

Up to $100Up to $50

Elective Contacts (in lieu of glasses)Contact Exam

Up to $130Up to $60

Up to $105Not covered

Lasik 15% of retail or 5% off promotional price

Claim Paid Pay copay at time of service for coveredservices

File claim for reimbursement

Monthly Rates 2021 2022

Employee Only $4 $4

Employee & Spouse $8 $8

Employee & Children

$8 $8

Family $12 $12

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Employee Assistance Plan (EAP)ComPsych

• BWC provided benefit to you and your covered dependents at no cost to you

• Up to 5 face to face visits per issue per year with a counselor at NO COST TO YOU

• Unlimited telephone consultation with a licensed clinical worker

• Financial and legal resources including a 30-minute consultation with a seasoned professional financial advisor, CPA or attorney through LegalConnect and FinancialConnect

• FamilySource is included to help find things such as senior housing, childcare, public resources and areas which may help you balance your work and home priorities

Your health and well being are important to you…and to BWC Terminals

Call 888-628-4844Guidanceresources.com

Web ID: PFGEAP

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Short Term Disability- BCBSTXprovided to you by BWC Terminals

• Designed to cover illnesses or accidents under less than 180 days in duration

• You must wait 1 full work week (40 hours) before benefits begin• ComPsych Absence Management will administer all Leave of Absences (LOA)• All Disability Benefits are based on actual age and salary as of the date of

disability

Short Term DisabilityBenefits Waiting Period before benefits begin –based on work/ business days

5th day for accident;5th day for illness

(40 hours)

Weekly Maximum none

Duration of Benefit 26 weeks

Benefit is Based on Length of Service

Weeks at 100% of Pay

Weeks at 60% of Pay

Less than 6 months 0 0

6 months to 1 year 2 24

1 year but less than 2 years

4 22

2 years but less than 3 years

8 18

3 years but less than 4 years

12 14

4 years butless than 5 years

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Over 5 years 26 0

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Long Term Disability- BCBSTXprovided to you by BWC Terminals

Long Term Disability

Benefits Waiting Period before benefits begin – based on work/ business days

180 days

Monthly Benefit Percentage 50%

Monthly Maximum $10,000

Duration of Benefit 65 or Social Security Normal Retirement Age

• Designed to replace a portion of your monthly salary in the event of a covered disability.

• Should you use LTD benefits, they will be paid to you on an after-tax basis; as such you must pay tax on the value of the benefit.

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Basic Life & AD&D – BCBSTXprovided to you by BWC Terminals

• You will continue to have 2x Annual Earnings provided by BWC for Basic Life & AD&D up to a maximum of $750,000

Voluntary Life & AD&D - BCBSTX

• You can elect up to 5X annual base salary to a maximum of $500,000o Evidence of Insurability is required for Employee amounts over $300,000

• Rates are based on actual age of employee• All amounts elected after you are first eligible will require EOI. Any increases

at annual enrollment also require EOI. Forms are on the ADP website.

Spouse/ Domestic Partner• You can elect up to $250,000

for your spouse in $5,000 increments

• Guarantee issue of $50,000 in Spouse Life and $10,000 in Child Life

Child Voluntary Life• You can elect $5,000 or $10,000.

Employee coverage required• You can elect up to $10,000

when first eligible without submitting EOI

• Children under age 26

Employee

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Voluntary Benefits- Cigna

• You can now enroll in Critical Illness/Cancer and Supplemental Accident insurance through CIGNA

• Premiums are paid with after tax payroll deductions• Benefits are paid directly to you• Consider using this if enrolling in the HDHP plan to

help pay for your deductible for unforeseen expenses• You do not have to elect medical coverage with

BWC Terminals to enroll in either of these

These benefits are NOT designed to replace comprehensive medical insurance

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Voluntary Benefits - CignaAccident Insurance

Cigna

Issue AgesEmployee: Actively at Work Age 18-100

Spouse: Age 18-100Child: Birth to Age 26; Age 26+ if Disabled

Participation Requirement None

Guaranteed Issue YesOn/Off Job Off JobHospital Admission $1,000Hospital Confinement per Day $200 (365 Days)

Emergency Room $200 Urgent Care $100Ambulance Ground/Air $400 / $1,600

Physical Therapy per Visit $50 (Up to 10 Visits/Accident)

Fractures/Dislocations Up to $8,000 / Up to $6,000AD&D NoneWellness $50 Per Calendar YearPortability IncludedMiscellaneous Integration Services

• Pays tax-free cash benefits directly to members for a covered accident

• Guaranteed Issue• Off the Job Coverage• $50 Wellness Benefit• Schedule of benefits with

100+ covered injuries or treatments

• 100% Employee PaidMonthly Rates 2022

Employee Only $9.91

Employee & Spouse $18.32

Employee & Children $24.21

Family $32.52

See plans on https://workforcenow.adp.com for more details and complete policy benefits

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Voluntary Benefits - CignaCritical Illness Insurance

Cigna

Issue Ages

Employee: Actively at Work; Age 18-100 Spouse: Age 18-

100Child: Birth to Age 26;

Age 26+ if DisabledParticipation Requirement None

Guaranteed Issue Maximum

Employee: Up to $30,000Spouse / Child: 50% of Employee

Coverage AmountPre-Existing Condition Limitations* None

Covered Critical Illnesses

Cancer, Heart Attack, Stroke, Organ Transplant, Kidney Failure

Other Covered Critical Illnesses

3 Additional Adult Conditions 6 Additional conditions for Children

Same Illness Diagnosis (Recurrence)

100% Recurrence0 Month Separation Period

Different Illness Diagnosis 100%, 12 Month Separation

Maximum Benefit Lesser of 5 x Elected Benefit Amount or $150,000

Benefit Reduction NoneWellness $50 Per Insured Per Calendar YearPortability Included*Diagnosis Look-Back Periods, Treatment/Symptom Free Duration Requirements and Other Restrictions May Apply. The Policy and Certificate Provide Complete Definitions Regarding Eligibility of Any Claim.

• Pays tax-free cash benefits directly to members for a diagnosis of a covered critical illness

• Guaranteed Issue• Waived Pre-Existing Condition Exclusions

& Limitations*• $50 Wellness Benefit• Cancer, Heart Attack, & Stroke

Coverage• Attained Age, Uni-Tobacco Rates• 100% Employee Paid

Example of Monthly Rates

2022Uni-Tobacco, Attained Age

Per $10,000 –Employee Only Rate

35 Years Old $10.4745 Years Old $20.0955 Years Old $43.45

See plans on https://workforcenow.adp.com for more details and complete policy benefits

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Travel ResourcesHelp while traveling more than 100 miles from home

• Generali Global Assistance (GGA) provided by BCBSTX offers round the clock emergency and information services that can help you access emergency assistance when traveling 100 or miles away from home

• Medical search and referral • Medical monitoring during emergency• Medical evacuation/return home• Traveling companion assistance• Dependent children assistance• Return of mortal remains

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401K – Fidelity Investments

• You may contribute 1% to 75% of your compensation on a before-tax basis

• You may contribute to Roth on an after-tax basis

• BWC still matches dollar for dollar up to 6%

• Over age 50 is eligible for “catch-up” contributions

• Portable Retirement Contribution (PRC) – Employer contribution up to 6% with an annual $10,000 maximum contribution

• Review your beneficiaries and contact information

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Did you know?• Unconscious Bias and Respectful Workplace training must be complete

by November 30

• Employee First Fund – Employees helping employees

• $2 for every $1 company match through December 31, 2021• $1 for every $1 company match ongoing• Applications are opening soon

• New Employee Guide provides summary of policies and benefits

• Employee Site – www.bwcterminals.com/employee-resources

• Log your Volunteer hours on the employee site

• ADP Updates – Please update your personal profile for Veteran and Disability status

• Survey Question – Wellness App

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Summary• You will be automatically enrolled in the BWC Terminals provided benefits (such

as: Basic Life/AD&D Insurance, STD, LTD, and EAP)

• Verify your selections, and dependents in ADP

• Print your Confirmation Statement.

• Review your beneficiaries

• Open Enrollment October 25 – November 8th

• Verify your first paycheck in January to confirm your benefit selections and costs match what you selected

• More information is available on the BWC Terminals Employee Site at https://www.bwcterminals.com/employee-resources/

• Keep checking your BWC Terminals email account for regular updates throughout the year

• Don’t forget to submit your Flexible Spending Account receipts by March 31st

• Still have questions? Contact Shelva Trahan – Compensation and Benefits Manager – Strahan@bwcterminals.com or 832-699-5572