IOWA ORTHOPEDIC CENTER P.C

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

WELCOME

WE'RE SO GLAD YOU'RE HERE!

WHAT YOU NEED TO KNOW

Enrollment in benefits can be one of the most important decisions you will make this year.

Take time to review your benefits information.

Attend benefit enrollment meetings.

Ask questions if there's anything you do not understand.

Most benefits are effective the [first day of the month] following the date of hire.

The enrollment deadline is the [last day of the month before your effective date] (unless noted).

Enrollment requests must be received by Human Resources within [30] calendar days following the date of the event.

Changes to your benefits enrollment can only be made:

at the time of hire
during the annual enrollment period (January 1 effective date)
and due to a qualifying event

Qualifying Life Events (QLE) include:

Marriage
Divorce / Legal Separation
Birth of a child
Adoption of a child
Loss of other employer-sponsored coverage
New election of other employer-sponsored coverage

Benefit summaries, brochures, forms, and applicable applications can be viewed in Plan Documents.

Summary Plan Descriptions (SPD) for plans can be found in:

PLAN DOCUMENTS

BENEFITS GUIDE

VIEW PRESENTATION

ENROLL IN YOUR BENEFITS

You have 30 DAYS from your date of hire to enroll in your new benefits.

EDUCATE YOURSELF

Explore this portal and learn more about your benefits to ensure you and your family have the right protection for the next year.

MAKE DECISIONS

Make your benefit decisions and ensure you have what you need to enroll...

Do you have your Dependents' birthdays and Social Security Numbers?

How about your Beneficiary(s)' address?

Having correct First and Last names on hand is also helpful.

ENROLL ONLINE

Login to your Paylocity Account to complete your enrollments.

BENEFITS QUESTIONS?

OUR BENEFITS STAFF IS HERE TO HELP

We're proud to offer a wide array of benefit options. Let us help you make educated choices about your healthcare coverage so that you and your family can make the most of your benefits.

If you have any questions, please contact your TRUEAdvocate Team at:

(888) 655 - 9980

EMAIL THE TEAM WITH BENEFITS-RELATED QUESTIONS

A team member will respond within 24 hours.

Hours : Mon - Fri - 7:30 am to 5:00 pm CT

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

MEDICAL

2024 MEDICAL BENEFITS

Iowa Orthopedic Center P.C is committed to offering a variety of medical benefits that provide generous coverage for employees and their covered dependents. We offer medical plans, administered through Wellmark, to fit your budget and needs.

Download Your Benefits Guide

For full plan details, please review the plan documents.

MEDICAL PLAN DOCUMENTS

MEDICAL PLANS COMPARISON

IN-NETWORK BENEFITS	Medical Gold PPO Plan	Medical Silver Blue Advantage Plan	Medical Bronze Blue Advantage Plan
Deductible	$7,050 Single $14,100 Family	$1,500 Single $3,000 Family	$7,050 Single $14,100 Family
Coinsurance	You pay 0% (after deductible) Plan pays 100%	You pay 0% (after deductible) Plan pays 100%	You pay 0% (after deductible) Plan pays 100%
Out of Pocket Maximum	$7,050 Single $14,100 Family	$7,050 Single $8,700 Family	$7,050 Single $14,100 Family
Office Visit Copay	You pay 0% (after deductible) Plan pays 100%	You pay 0% (after deductible) Plan pays 100%	You pay 0% (after deductible) Plan pays 100%
Preventive Office Copay	Covered at 100%	Covered at 100%	Covered at 100%
Emergency Room Copay	You pay 0% (after deductible) Plan pays 100%	You pay 0% (after deductible) Plan pays 100%	You pay 0% (after deductible) Plan pays 100%
Prescription Drug Deductible Cost Per Tier	Retail (Up to 30-day supply Tier 1: 0% coinsurance Tier 2: 0% coinsurance Tier 3: 0% coinsurance Tier 4: 0% coinsurance	Retail (Up to 30-day supply Tier 1: $20 copay per prescription Tier 2: $35 copay per prescription Tier 3: $70 copay per prescription Tier 4: $70 copay per prescription Specialty: $100 / $500	Retail (Up to 30-day supply Tier 1: 0% coinsurance Tier 2: 0% coinsurance Tier 3: 0% coinsurance Tier 4: 0% coinsurance

IN-NETWORK

BENEFITS

Medical Gold PPO Plan

Medical Silver Blue Advantage Plan

Medical Bronze Blue Advantage Plan

Deductible

$7,050 Single

$14,100 Family

$1,500 Single

$3,000 Family

$7,050 Single

$14,100 Family

Coinsurance

You pay 0% (after deductible)

Plan pays 100%

You pay 0% (after deductible)

Plan pays 100%

You pay 0% (after deductible)

Plan pays 100%

Out of Pocket Maximum

$7,050 Single

$14,100 Family

$7,050 Single

$8,700 Family

$7,050 Single

$14,100 Family

Office Visit Copay

You pay 0% (after deductible)

Plan pays 100%

You pay 0% (after deductible)

Plan pays 100%

You pay 0% (after deductible)

Plan pays 100%

Preventive Office Copay

Covered at 100%

Emergency Room Copay

You pay 0% (after deductible)

Plan pays 100%

You pay 0% (after deductible)

Plan pays 100%

You pay 0% (after deductible)

Plan pays 100%

Prescription Drug

Deductible

Cost Per Tier

Retail (Up to 30-day supply
Tier 1: 0% coinsurance
Tier 2: 0% coinsurance
Tier 3: 0% coinsurance
Tier 4: 0% coinsurance

Retail (Up to 30-day supply
Tier 1: $20 copay per prescription
Tier 2: $35 copay per prescription
Tier 3: $70 copay per prescription
Tier 4: $70 copay per prescription
Specialty: $100 / $500

Retail (Up to 30-day supply
Tier 1: 0% coinsurance
Tier 2: 0% coinsurance
Tier 3: 0% coinsurance
Tier 4: 0% coinsurance

RATE (EMPLOYEE MONTHLY COST)	Medical Gold PPO Plan	Medical Silver Blue Advantage Plan	Medical Bronze Blue Advantage Plan
Employee	$216.87	$68.33	$0.00
Employee + Spouse	$483.44	$484.37	$332.01
Employee + Child(ren)	$444.02	$315.73	$249.02
Employee + Family	$717.42	$593.16	$542.46

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

DENTAL

& VISION

2024 DENTAL & VISION BENEFITS

As part of the comprehensive health insurance coverage, we offer Dental and Vision plans administered through Delta Dental and EyeMed. If you have an HSA or an FSA, you can use these funds to cover eligible costs like your deductible or copay.

Download Your Benefits Guide

For full plan details, please review the plan documents.

DENTAL PLAN DOCUMENTS

SERVICES	DELTA DENTAL PREMIER	DELTA DENTAL PPO
Preventive Services	Covered at 100%	Covered at 100%
Deductibles	$25 Individual/$75 Family	$15 Individual/$45 Family
Basic Services	Covered at 80%	Covered at 90%
Major Services	Covered at 50%	Covered at 50%
Annual Maximum	$1,500	$1,500
Orthodontic	Covered at 50% to a lifetime maximum of $1,500 Available for dependent children to age 19	Covered at 50% to a lifetime maximum of $1,500 Available for dependent children to age 19

COVERAGE LEVEL	PREMIER & PPO
Employee	$21.27
Employee + Spouse	$42.54
Employee + Child(ren)	$31.20
Employee + Family	$71.62

For full plan details, please review the plan documents.

VISION PLAN DOCUMENTS

SERVICES	VISION BENEFIT
Eye Exam	$10 copay
Eyeglass Frames*	You pays $0 copay; 20% off balance over $100 allowance
Eyeglass Lenses* **	In-network: Single Lined - $25 Bifocal Lined - $25 Trifocal - $25 Lenticular - $25
Contact Lenses* **	Conventional: $0 copay; 15% off balance over $100 allowance Disposable: $0 copay; 100% of balance over $100 allowance Medically Necessary: $0 copay; paid in full

*Charges for lenses, frames, and contact lenses above the available benefit will be the responsibility of the participant.
**Plan allows only lenses or contacts within the calendar year not both.

COVERAGE LEVEL	RATE PER PAY PERIOD
Employee	$3.51
Employee + Spouse	$6.66
Employee + Child(ren)	$7.00
Employee + Family	$10.30

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

HSA & FSA

2024 HSA & FSA BENEFITS

We offer Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), administered through Optum Bank and Tasc Universal Healthcare . Eligibility in each plan will be based on enrollment. To learn more, watch "HSA vs. FSA."

Download Your Benefits Guide

Compare HSAs vs. FSAs

For full plan details, please review the plan documents.

HSA DOCUMENTS

HEALTH SAVINGS ACCOUNT (HSA)
To be eligible you must: *Note: If your eligible dependent is covered under Medicare, you can continue contributing to the HSA	Be covered under a High Deductible Health Plan (HDHP) Not be claimed as a dependent on someone else's tax return Not maintain a Healthcare FSA Not be enrolled in Medicare* Not have received VA benefits within the past three months Not have a spouse with an FSA plan through their employer
Maximum contributions	Single: $4,150 Family: $8,300 Catch-up: $1,000 (those 55+)
Pre-tax contributions?	Yes
Availability of funds	Funds must accumulate before using
Use it or lose it?	No, unused funds roll over from year to year
Can take it with you if you leave the company?	Yes

ELIGIBLE EXPENSES Beyond Your Plan Coverage
More common examples	Medical Dental Vision Prescription
Less common examples	Special education Seeing eye dog Braille literature Hair loss pieces
Download the full list from the Internal Revenue Service	IRS - Publication 502

For full plan details, please review the plan documents.

FSA DOCUMENTS

FLEXIBLE SPENDING ACCOUNT (FSA)
Eligibility rules:	If you are enrolled in a High Deductible Health Plan (HDHP), you can only enroll in a Limited Flexible Spending Account
Maximum contributions	Healthcare: $3,200 Dependent Care: $5,000
Pre-tax contributions?	Yes
Availability of funds	Healthcare and Limited: Available on day 1 Dependent Care: Funds must accumulate before using
Use it or lose it?	Yes
Can take it with you if you leave the company?	No

ELIGIBLE EXPENSES Beyond Your Plan Coverage
Common examples	Medical Dental Vision Prescription Dependent Care
Download information on Health Care and Limited FSAs from the Internal Revenue Service	IRS - Publication 502
Download information on Child and Dependent Care Expenses from the Internal Revenue Service	IRS - Publication 503

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

401(k) SAVINGS PLAN DOCUMENTS

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

LIFE & SUPPLEMENTAL

2024 LIFE & SUPPLEMENTAL BENEFITS

We offer life, disability, and additional coverage plans to help you plan for your family's financial security.

Download Your Benefits Guide

For full plan details, please review the plan documents.

LIFE INSURANCE DOCUMENTS

LIFE AND AD&D BENEFIT*
Life and Accidental Death & Dismemberment	Iowa Ortho pays for a basic life/AD&D policy for each employee

For full plan details, please review the plan documents.

DISABILITY DOCUMENTS

BENEFITS	SHORT-TERM DISABILITY
Coverage amount	60% of your weekly pay, up to $500 per week
Maximum payment period	Benefits may be paid for up to 12 weeks
Elimination Period	Benefits begin after 7-day elimination period/waiting period.
Who pays for coverage?	Iowa Ortho pays 100% of the premium (up to $31 per a month)

For full plan details, please review the plan documents.

401(k) SAVINGS PLAN BENEFIT
Contribution Limits	The maximum contribution an employee can make to their 2024 401k has been increased to $23,000 annually The “Over 50 catch up” remains the same at $7,500 annually

For full plan details, please review the plan documents.

TRAVEL ASSISTANCE DOCUMENTS

TRAVEL ASSISTANCE BENEFIT
Emergency Travel Assistance	We’re here to assist you with: Emergency travel arrangements and funds transfers Lost or stolen travel documents Language translation services Medical and dental referrals Corrective lens and medical device replacement Medication and vaccine delivery Updates to your family, employer, and home physician Evacuation coordination for an emergency security or political event, or natural disaster Destination info including weather, currency and more

TRAVEL ASSISTANCE BENEFIT

Emergency Travel Assistance

We’re here to assist you with:

Emergency travel arrangements and funds transfers
Lost or stolen travel documents
Language translation services
Medical and dental referrals
Corrective lens and medical device replacement
Medication and vaccine delivery
Updates to your family, employer, and home physician
Evacuation coordination for an emergency security or political event, or natural disaster
Destination info including weather, currency and more

For full plan details, please review the plan documents.

LEGAL SHIELD / ID SHIELD DOCUMENTS

LEGAL SHIELD / ID SHIELD BENEFIT
Benefits	Complete Identity Restoration Dedicated 1:1 relationship with Licensed Private Investigators Use of a Limited Power of Attorney to alleviate the burden 24/7/365 emergency assistance Quick access to your Investigator via free mobile app $5 Million Service Guarantee
Monitoring & Alerts	Credit Score SSN Passport Drivers License Medical ID Email Loans Credit Cards Bank Accounts Black Market Website Surveillance Social Media IDShield Vault is a Password Manager that keeps your login information secure and takes the hassle out of managing multiple passwords.

LEGAL SHIELD / ID SHIELD BENEFIT

Benefits

Complete Identity Restoration
Dedicated 1:1 relationship with Licensed Private Investigators
Use of a Limited Power of Attorney to alleviate the burden
24/7/365 emergency assistance
Quick access to your Investigator via free mobile app
$5 Million Service Guarantee

Monitoring & Alerts

Credit Score
SSN
Passport
Drivers License
Medical ID
Email
Loans
Credit Cards
Bank Accounts
Black Market Website Surveillance
Social Media

IDShield Vault is a Password Manager that keeps your login information secure and takes the hassle out of managing multiple passwords.

COVERAGE LEVEL	Legal Shield	ID Shield
Employee	$20.95	$20.95
Employee + Family	$8.45	$15.95

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

EMPLOYEE ASSISTANCE

2024 EMPLOYEE ASSISTANCE PROGRAM (EAP)

Iowa Orthopedic Center is committed to the overall well-being of our employees and your covered dependents. Our Employee Assistance Program (EAP), administered through ComPsych, includes 24/7 services.

Download Your Benefits Guide

For full plan details, please review the plan documents.

EAP DOCUMENTS

EMPLOYEE ASSISTANCE PROGRAM (EAP)
Who is eligible?	The EAP is available to: All employees AND members of your household You are not required to be enrolled in a medical plan.
Is it confidential?	YES. You have confidential access to experienced clinicians and professional staff.
When can I access?	24 hours per day
What is covered?	The EAP can help with challenges like: Family Issues Parenting Addictions Emotional Legal Financial Relationships Stress

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

DOCUMENTS & NOTICES

2024 ENROLLMENT

• Benefits Guide

ANNUAL LEGAL NOTICES

• 2024 Annual Required Notices

HR FORMS

• Monthly Minute Communication

MEDICAL

• Medical Gold PPO Plan SBC

• Medical Bronze Blue Advantage Plan SBC

• Medical Silver Blue Advantage Plan SBC

• Medical Gold PPO Coverage Manual

• Bronze Blue Advantage HMO Coverage Manual

• Silver Blue Advantage Plan Coverage Manual

• Doctor on Demand

DENTAL

• Dental Plan Summary

VISION

• Vision Plan Summary

FLEXIBLE SPENDING ACCOUNT (FSA)

• FSA Benefit Summary

HEALTH SAVINGS ACCOUNT (HSA)

• HSA Benefit Summary

EMPLOYEE ASSISTANCE PROGRAM (EAP)

• EAP Benefit Summary

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

NEED HELP?

MEDICAL CARRIER

Wellmark
PH 800-524-9242
WEB https://www.wellmark.com

DENTAL CARRIER

Delta Dental
Group Number: 33150
PH 800-544-0718
WEB https://www.deltadentalia.com

VISION CARRIER

EyeMed
Group Number: 33150
PH 866-723-0596
WEB https://www.eyemed.com

FSA CARRIER

TASC Universal Healthcare
Group Number: 4000-0795-1212
WEB

HSA CARRIER

Optum Bank
PH
WEB https://www.optumbank.com

LIFE INSURANCE CARRIER

Lincoln Financial
Group Number: 000010249782
PH 800-423-2765
WEB https://www.lincolnfinancial.com

LEGAL/ID SHIELD CARRIER

Legal Shield
PH 800-942-4718
WEB https://www.idshield.com

DISABILITY CARRIER

Lincoln Financial
Group Number: 000010249782
PH 800-423-2765
WEB https://www.lincolnfinancial.com

EAP CARRIER

ComPsych
PH 888-628-4824
WEB https://www.guidanceresources.com
User: LFGsupport
Password: LFGsupport1

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

BENEFITS EDUCATION

BENEFITS BASICS

PRESCRIPTION DRUGS & WISE CONSUMER OF HEALTHCARE

MEDICAL

DENTAL & VISION

HEALTH SAVINGS ACCOUNT (HSA)

FLEXIBLE SPENDING ACCOUNT (FSA)

LIFE & SUPPLEMENTAL

DISABILITY INSURANCE

ADDITIONAL SUPPLEMENTAL

EMPLOYEE ASSISTANCE & WELLNESS

ADDITIONAL COVERAGES

FINANCIAL BENEFITS

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team

Phone: (888) 655 - 9980

Hours: Mon - Fri - 7:30 am to 5:00 pm CT

This portal includes a high-level summary of common benefits. For more details about your plans, please refer to your Plan Document, Summary Plan Description, or Certificate of Insurance Coverage. The information in those formal plan documents governs.

ENROLL TODAY!

ENROLL IN YOUR BENEFITS

Enrolling in your benefits or changing your existing enrollment is as easy as online shopping.

STEP 1

Explore this portal and learn more about your benefits to make sure you and your family have the right protection for the next year.

STEP 2

Make your benefit decisions and make sure you have what you need to enroll...

Do you have your Dependents' birthdays and Social Security Numbers?

How about your Beneficiary(s)' address?

Have you decided how much to contribute to your HSA or FSA?

STEP 3

Login to your Enrollment Portal account to complete your enrollment.

ENROLL NOW

HAVE BENEFIT QUESTIONS?

Contact your TRUEAdvocate Team