GROWING

GROWINGTOWARD A GREAT FUTURE2021 BENEFITS GUIDELET S GET STARTED NOTICE REGARDING THIS COMMUNICATIONThis Guide provides only an overview of benefit changes and clarifications effective January 1, 2021. The respective plan documents govern your rights. You should rely on this information only as a general summary of some of the features of the plans. In the event of any difference between the information contained herein and the plan documents, the plan documents will supersede and control over this Guide. For specific plan details including eligibility requirements, enrollment rules, benefits and other program details, please refer to the Summary Plan Description.

Deductible Initial amount you must pay each plan year for covered services before the plan begins to provide benefits (this does not include copays). Out-of-pocket Maximum The amount you pay out of your pocket for eligible healthcare expenses before the plan pays at 100% for any additional expenses.

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