Let s Talk Benefits. Starting the. conversation. Lost 10 pounds. Quit smoking. Needs braces. Learned to ride a bike.

Transcription

1 Let s Talk Benefits Quit smoking Lost 10 pounds Needs braces Learned to ride a bike Had an eye exam Starting the benefits conversation Plan Year 2017

2 Table of Contents Welcome... 2 YOUR 2017 BENEFITS Who is Eligible?... 3 How to Enroll... 3 Making Benefit Changes... 3 Let s Talk Medical Coverage... 4 Health Savings Account (HSA)... 6 Flexible Spending Accounts (FSAs)... 6 Let s Chat About Dental Coverage... 7 Take a Look at Vision Coverage... 8 Voluntary Benefits... 9 Disability Insurance...11 Life and AD&D Insurance...12 Employee Assistance Program (EAP)...13 Health and Wellness Tools...14 Cost for Coverage...16 Important Contacts...17

3 YOUR 2017 BENEFITS Welcome Woodforest Financial Group offers you and your family a quality, comprehensive benefits program to keep you happy and healthy at work and at home. This overview is designed to assist you in making your benefit enrollment choices. The medical plan meets the essential elements of coverage required by federal law and meets the affordability guideline standards. The information contained in this guide is effective January 1, December 31, Who is Eligible? All full-time employees (30 or more hours) and all parttime benefit eligible employees (as determined by the Affordable Care Act) are eligible to enroll in Medical, Dental, Vision, Health Savings Account, Flexible Spending Accounts, Disability Plans, Supplemental Life Insurance, and voluntary products including Accident, Critical Illness, Whole Life, and Hospital Indemnity. All part-time employees (working a minimum of 20 hours per week) are eligible to enroll in Short Term Disability, Supplemental Life Insurance, and voluntary products including Accident, Critical Illness, Whole Life, and Hospital Indemnity. Your eligible dependents also have access to many of the benefits we offer. Eligible dependents include: Legal spouse, if he or she does not have other coverage available through their employer Dependent children until age 26 Dependent children who are or become disabled before reaching age 26 and meet certain requirements New Hire Enrollment Benefits are effective the first day of the month following date of hire for Medical, Dental, Vision, FSA, HSA, Company Paid Life and LTD plans. All other Supplemental and Voluntary plans are effective the first of the month following 30 days of employment. Benefits are effective from January 1, December 31, Reminder ALL New Hires must complete enrollment within 14 days of their date of hire. 2 Note: You may need to provide documentation during the next dependent audit proving your dependents eligibility which will include proving that your spouse is not offered coverage through their employer.

4 How to Enroll To enroll in benefits, we offer an online enrollment website accessible from any computer or mobile device that has internet access to make enrollment easy and convenient. To complete your enrollment, simply follow these steps: To complete your enrollment: STEP 1 Login to woodforest STEP 2 Your user ID/Login ID will be your Woodforest employee ID number. STEP 3 Your passcode will be last 4 digits of your SSN# and birth date as MMDDYYYY (Example: SSN# = xxx-xx-4568, DOB = June 11, 1968, Password = ). STEP 4 Click the Login button to begin the enrollment process. NOTE: If you currently contribute to a Health Savings Account or Flexible Spending Account,. re-enrollment is required annually. Please Note! You cannot waive coverage and buy insurance on the Healthcare Exchange and still be eligible for a premium tax credit. Please see healthcare.gov for more information. Making Benefit Changes During open enrollment, you can change your coverage to enroll or cancel dependents. The benefit choices you make during your enrollment will remain in effect for the entire plan year unless you have a change in family status or a qualifying event. You can only change your healthcare coverage when you experience a qualifying life event. Examples of a qualified change in family status include, but are not limited to, the following: Marriage or divorce Birth or adoption of a child Change in employment for you or your spouse that affects your benefit eligibility Loss of other health coverage It is your responsibility to notify the Benefits Department within 30 days from the date of the qualifying life event. You will also be required to provide documentation to support the request within 45 days of the date of the event such as as marriage license, divorce decree, birth certificate/birth facts sheet, etc. Any benefit changes must be directly related to the qualified change in family status. Please Note: In some cases, such as termination of a Dependent s Medicaid or Children s Health Insurance Program (CHIP) coverage as a loss of eligibility, the time frame may be different. Please contact the Benefits Department for more information. YOUR 2017 BENEFITS 3

5 YOUR 2017 BENEFITS Let s Talk Medical Coverage At Woodforest Financial Group, we offer you three medical plans through UnitedHealthcare (UHC) designed to help you get the care you need at an affordable price. Both the Core and Enhanced Plans are traditional plans. You pay a bi-weekly premium for coverage, and you pay copays for the services you use. For both plans, you have annual s that must be met before the plan pays 80% of your expenses. If you meet the yearly out-ofpocket maximum, the plan will cover all remaining expenses at 100%. The Enhanced Plan allows you to use out-of-network physicians. Keep in mind that it is significantly more expensive (for both you and the company) if you use a non-network doctor, facility, or pharmacy. The UHC HSA Plan combines a high health plan with a Health Savings Account. This new plan has a lower bi-weekly cost but higher annual s. You pay 100% of your medical expenses until you hit your. The plan then pays 80% of the cost for services until your out-of-pocket maximum is met. The plan will then pay 100% of your services for the rest of the plan year. This plans allows you to set aside pretax dollars in a Health Savings Account (HSA) to pay for any services you use. The dollars in your HSA roll over from year to year and are yours to take if you ever leave the company. Woodforest will also help you grow your savings by adding money to your HSA every pay period for the first year of participation. See page 6 for more information. Helpful Terms In-Network - These are doctors, healthcare facilities and other providers that have entered into an agreement with our health plans to offer care to members of our plan at a reduced cost. Therefore, when you visit an in-network provider, you save money and get the best value for your benefits! Deductible - This is the amount that you pay annually towards the cost of healthcare before your plan starts to pay (does not include your monthly premium.). Copay - This is the amount that you pay towards the cost of specific healthcare services. It is usually paid at the time of the visit. Copays do not apply to the. Coinsurance - After you meet your annual, you and the Plan share the cost of your coverage. With the UHC plans, you are responsible for 20% of covered services while the plan covers 80% when using innetwork healthcare providers. Out-of-Pocket Maximum - The maximum amount you would pay for covered services during the calendar year. Once you meet your out-of-pocket maximum, the plan covers 100% of eligible medical expenses for the remainder of the calendar year. Out-of-Network - Any hospital or facility not in the UHC Choice Plus network, as defined and/or verified by UHC. 4 Prescription Drug Benefit Breakdown Your healthcare plans include prescription drug coverage. There are 3 tiers. of prescription drugs: Tier 1 - Lower-cost drugs (generics and some brands included) Tier 2 - Mid-range cost (mix of brands and generics) Tier 3 - Highest cost (mostly higher-cost brands) Specialty medications We encourage you to discuss your prescriptions with your doctors and to use the tools available on to make certain that you are getting the best care at the lowest cost option.

6 BENEFIT HIGHLIGHTS UHC CORE UHC ENHANCED PLAN UHC HSA PLAN Calendar Year Deductible (Individual/Family) Coinsurance (portion of eligible costs the plan pays) Out-of-Pocket Maximum (Individual/Family) In-Network Only $2,000/ $4,000 In-Network $1,500/ $3,000 Out-of- Network $6,000/ $12,000 In-Network $3,000/ $6,000 Out-of- Network $6,000/ $12,000 80% 80% 50% 80% 50% $4,000/ $8,000 $3,500/ $7,000 $12,000/ $24,000 $6,000/ $12,000 $12,000/ $24,000 Preventive Care No Charge No Charge Not Covered No Charge Not Covered Office Visits Primary Physician Specialist UHC Premium Designation Specialist Inpatient Hospital Services Outpatient Hospital Services Emergency Room Outpatient Lab, X-Ray and Diagnostics $35 copay $50 copay $25 copay $50 copay $35 copay $25 copay $500 copay (waived if admitted) No charge $500 copay. (waived if admitted) No charge Urgent Care Center $40 copay $40 copay Mental Health Services Inpatient Outpatient Prescription Drugs Retail Tier 1 Tier 2 Tier 3 Specialty Drugs Prescription Drugs Mail Order Tier 1 Tier 2 Tier 3 Specialty Drugs $35 copay $10 copay $25 copay $50 copay 25% of RX cost up to $125 $20 copay $50 copay $100 copay 25% of RX cost up to $250 $25 copay $10 copay $25 copay $50 copay 25% of RX cost up to $125 (up to a 30-day supply) (up to a 90-day supply - OptumRx) $20 copay $50 copay $100 copay 25% of RX cost up to $250 Not Covered Not Covered YOUR 2017 BENEFITS 5

7 Health Savings Account (HSA) YOUR 2017 BENEFITS An HSA provides a tax-favored account that allows the account holder to save and pay for qualified medical expenses tax-free. You must actively enroll in the HSA each year. To open an HSA, you must elect the UHC HSA Plan. HSA Vendor Annual Limits Eligible Expenses When Are Funds Available? Payment or Reimbursement Options Carry Over Rules HEALTH SAVING ACCOUNT (HSA) Optum Bank / Single: $3,400 Two-Party/Family: $6,750 Age 55 and above can contribute an additional $1,000 catch-up contribution Note: The tax-free contribution limits include any employer contributions to your HSA. Health, dental and vision care expense such as s, copays, and prescriptions You can be reimbursed for qualified medical expenses up to the amount available in your account. Debit Card, pay online, HSA checks, electronic funds transfer (EFT) Any unused funds in your HSA roll over from year to year regardless of employment status Woodforest Contribution Amounts The Woodforest contribution is a one time contribution, for first time enrollees, divided over one year (26 pay periods). If you have already received the one time contribution from Woodforest, you will not be eligible to receive it again, but may still participate in the HSA. Employee: $750 Employee + 1: $1000 Employee + 2: $1500 Employee + 3 or more: $2000 *If you are enrolled in Medicare, you are not eligible to participate in a Health Savings Account. Flexible Spending Accounts (FSAs) Flexible Spending Accounts (FSAs) enable you to put aside tax-free money for important expenses and help you reduce your income taxes at the same time. Woodforest Financial Group offers two types of FSAs a Healthcare Flexible Spending Account and a Dependent Care Flexible Spending Account. You will contribute, through a pre-tax payroll deduction, an annual election amount that is deducted in equal installments throughout the year. HEALTH CARE FSA DEPENDENT CARE FSA Annual Limit $2,600 ($500 minimum contribution) $5,000 ($500 minimum contribution) Eligible Expenses When Are Funds Available? Payment or Reimbursement Options Deadline for Services Healthcare expenses such as s, copays, and prescriptions Full annual election available upon benefits effective date Debit card, direct deposit, or check Dependent care such as day care and elder care You can be reimbursed up to the amount available in your account Debit Card, direct deposit, or check Services must be incurred by 12/31/17 Services must be incurred by 12/31/17 6

8 Important FSA Rules to Keep in Mind You must actively enroll in the FSAs each year. You are not automatically re-enrolled. The IRS has a strict use it or lose it rule. If you do not use the full amount in your FSA by the end of the plan year, you will lose any remaining funds. Calculate your expenses conservatively. You cannot transfer funds from one FSA to another. Ensure you completely understand what type of expenses you can submit for reimbursement for each of the two different plans. If you enroll in the UHC HSA Plan, you are not eligible for the Health Care FSA. Let s Chat about Dental Coverage With the UHC Dental plan, you have the flexibility to see any dentist. However, you will pay less out-of-pocket when you receive care from in-network dentists who have negotiated fees with UHC. YOUR 2017 BENEFITS DENTAL PLAN FEATURES UNITED HEALTHCARE DENTAL PLAN In-Network* Out-of-Network** Annual Deductible (does not apply towards Preventive Care $50 individual/ $150 family $50 individual/ $150 family Services) Maximum Annual Benefit $1,000/person $1,000/person Preventive Services (Exams, X-rays, Cleanings) 100% covered 100% covered Basic Services (Fillings) Major Services (Periodontics, Endodontics, Crowns, Root Canals) Orthodontia 50% with a $1,000 lifetime maximum to age 19/per person 50% with a $1,000 lifetime maximum to age 19/per person Major Dental & Orthodontia Services have a 12-month waiting period post enrollment, unless proof of prior coverage is provided to the Benefits Department and approved by United Healthcare. * The in-network percentage of benefits is based on the discounted fee negotiated with the provider. ** The out-of-network percentage of benefits is based on the usual and customary rates prevailing in the geographic areas in which the expenses are incurred. Frequency Limitations and Exclusions apply. 7

9 YOUR 2017 BENEFITS Take a Look at Vision Coverage The vision plan includes benefits for eye exams, eyeglasses, and contact lenses through UHC Vision/Spectera. VISION SERVICE FREQUENCY UHC VISION/SPECTERA PROVIDER Routine Eye Exam Every 12 months $10 copay Lenses Frames Contact Lenses. (in lieu of eyeglasses) Every 12 months Every 24 months Every 12 months $25 copay,. then covered at 100% $25 copay,. then $130 allowance at private practice providers/retail chain providers $25 copay $150 allowance for all other elective contacts (the non-selection contact allowance) NON UHC VISION/ SPECTERA PROVIDER Up to $60 reimbursement Up to $120 allowance 8

10 Voluntary Benefits Changes to voluntary products other than cancellation can only be made at annual enrollment. To cancel your current Voluntary Benefits coverage, please contact Unum directly at Critical Illness Critical illness coverage provides a way for you to stay ahead of the medical and outof-pocket expenses that can accompany certain covered medical events. Consider the following advantages of this critical illness coverage offering: A set amount of money is paid directly to you to be used however you choose. You can keep the policy even if you leave Woodforest or retire, as long as you pay the premium. The policy is conveniently deducted from payroll. You can insure your spouse and children. Why do you need Critical Illness coverage? Most medical plans provide coverage for hospital and medical expenses associated with critical illnesses such as stroke, heart attack, cancer, kidney failure, major organ transplant, coma and paralysis. Even so, there are many expenses that aren t covered that can be financially devastating. With critical illness coverage, you can be prepared financially for costs like: Copays, s, and coinsurance Possible transportation and lodging needs Childcare and other domestic help expenses Possible loss of income Unum Critical Illness Flyer Critical Illness, Accident, Whole Life, and Hospital Indemnity Insurance coverage may be purchased for yourself, your spouse and dependents, and you may take your policy with you if you retire or leave the company. Accident Insurance Accident insurance provides a lump sum payment based on the accident/injuries sustained. The policy pays you directly and you decide the best way to spend it. It s that simple. Whether it s to pay medical expenses, the mortgage, car payments or even utility bills, you decide. Other advantages of Accident insurance are: You receive cash benefits for expenses that may not be covered under your medical insurance. Employees can keep coverage even if you leave Woodforrest. There are no health questions to answer to obtain coverage. You can cover your spouse and children. There is no limit to the amount of accidents you can claim under the policy (with exception to policy rules). Why do I need Accident Insurance? Ride bikes or drive a car? Jog or play sports? Accidents can happen when you least expect it. Are you prepared financially to pay the expenses that can occur as a result? What about day to day activities that can lead to accidental injuries cooking, walking down the stairs, or driving to work? Accident insurance is a way to ensure you can stay ahead of the out-of-pocket expenses associated with medical treatments. Your medical plan s copays, coinsurance, and s can add up quickly after a sudden or unexpected injury. While you can t predict when an accident will happen, you can be prepared financially. Unum Accident Flyer Unum Accident Schedule of Benefits YOUR 2017 BENEFITS 9

11 YOUR 2017 BENEFITS Hospital Indemnity Insurance When you re faced with a hospitalization, there will be medical expenses and out-ofpocket costs that aren t covered by your primary health insurance plan. Hospital Indemnity insurance can help ease the financial burden of a hospital admission, allowing you to focus on your recovery and less on your finances. Why do you need Hospital Indemnity Insurance? Consider the following advantages of the Hospital Indemnity coverage offering: Payouts occur regardless of other coverage you may have. Pays benefits directly to you to be used as you see fit. The policy is conveniently deducted from payroll. You can keep the policy even if you leave Woodforest or retire as long as you. pay premiums. In 2011, hospital stays had an average cost of $1,960 per day in the U.S. It s easy to see why having Hospital Indemnity coverage makes good financial sense. Unum Hospital Indemnity flyer Whole Life Insurance Whole Life does far more than simply offer protection for your loved ones when you die.. It can: Pay for end-of-life medical expenses Pay funeral costs Help pay mortgage, auto loans, and credit. card debt Finance future needs like your. children s education Help pay day-to-day living expenses like utilities, childcare, food, etc. Consider the following advantages of this Whole Life insurance offering: Rates and benefit amount remain the same throughout life of the policy. You can keep the policy even if you leave Woodforest or retire as long as you. pay premiums. There are no health questions for you, up to a certain amount of coverage. You can insure your spouse and children. You have access to cash value accumulated over time within your policy with a guaranteed interest rate. Currently, there is no federal income tax on life insurance proceeds. It doesn t matter what your family dynamics may be: married with no children or married with children, single or a single parent - life insurance should play a critical role in your overall financial plan. Why do I need Whole Life Insurance? If someone will suffer financially when you die, you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and helps your family with important financial needs. Life insurance is a simple answer to a difficult question: How will my family manage financially when I die? Unum Whole Life Flyer 10

12 Disability Insurance To protect you financially in the event of a disability, Woodforest Financial Group provides fulltime employees with long-term disability insurance and gives you the option for purchasing short-term disability coverage, as described below: Voluntary Short-Term Disability Long-Term Disability* ELIMINATION PERIOD 14 days 180 days COVERAGE DURATION BENEFIT AMOUNT WHO PAYS? From 15th day up to 24 weeks of continuous missed days Up to Social Security Retirement Age if disabled prior to age 62 (maximum benefit period varies if disabled at age 62 or after) 60% of base salary (up to $1,000. per week) 60% of base salary (up to $5,000. per month) * LTD benefits are offset with other sources of income, such as Social Security and workers compensation. Employee Woodforest Financial Group YOUR 2017 BENEFITS 11

13 YOUR 2017 BENEFITS Life and AD&D Insurance As an important part of your personal financial planning, Woodforest Financial Group provides you with several term life and accidental death and dismemberment (AD&D) insurance options through Unum : Basic Life and AD&D Voluntary Life and AD&D COVERAGE AMOUNTS 2 times your annual salary up to a maximum of $100,000 Employee: $10,000 increments up to lesser of 5x annual salary or $500,000 Guarantee Issue*: $140,000 Spouse: $5,000 increments to a maximum of $500,000 (up to 100% of the employee amount) Guarantee Issue*: $25,000 Dependent: $2,000 increments to a maximum of $10,000 Guarantee Issue*: $10,000 WHO PAYS? Woodforest Financial Group Employee *Guarantee Issue is the amount of coverage that you are able to choose without evidence of insurability. The amounts listed in the table are Guarantee Issue during your initial enrollment. Once enrolled, you may increase coverage up to the Guarantee Issue amount at annual enrollment without evidence of insurability. Employee: Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. Dependent: Insurance coverage will be delayed if the dependent is totally disabled on the date that insurance would otherwise be effective. Exception: Infants are insured from live birth. The maximum death benefit for a child between the ages of live birth and 6 months is $1,000. Totally disabled means that, as a result of an injury, a sickness or a disorder, your dependent is confined in a hospital or similar institution; is unable to perform two or more activities of daily living (ADLs) because of a physical or mental incapacity resulting from an injury or a sickness; is cognitively impaired; or has a life threatening condition. *Important Notice to Employees Who Have Spouses That Are Also Employed By Woodforest: You may not cover your spouse as a dependent if your spouse is enrolled for coverage as an employee. No child may be covered by more than one employee in the plan. No child can be covered as both an employee and a dependent. Beneficiary Designation You must choose a beneficiary for your life and AD&D insurance benefit. You may have both primary and contingent (secondary) beneficiaries which will be applied to all benefits where a beneficiary is designated. If more than one person is named for each category, the total percentage must add up to 100%. Unum can pay benefits to a trust only if the employee has named a trust as beneficiary. Otherwise, benefits will be paid to a guardian of the child s estate or held until the child turns

14 YOUR 2017 BENEFITS Employee Assistance Program (EAP) To help you with personal issues and concerns, Woodforest Financial Group provides you and your family with an Employee Assistance Program (EAP) at no cost to you. Call OptumHealth 24 hours a day, 7 days a week, at for confidential assistance with personal matters. Experienced consultants are available to listen and help you find solutions. They can also set up in-person sessions with local behavioral health counselors if needed. UHC Employee Assistance Flyer Visit (access code WFG) for helpful tools and resources for topics such as: Family: relationships, divorce and separation, parenting, elder care, adoption Finances: budgeting, debt, savings and investing, large purchases Health: managing stress, diet and exercise, quitting tobacco Work: career development, networking, education and training 13

15 YOUR 2017 BENEFITS Health and Wellness Tools As a Woodforest Financial Group employee, you have access to many different tools and resources that will help you manage your benefits and connect you with the help and support you need to stay healthy. Myuhc.com the tools you need to make better healthcare choices! Visit and register to access many benefits and services: View your claims Locate in-network physicians and pharmacies Print an ID card Estimate healthcare costs And more! What Can I Do at my UHC Flyer Choosing the Right Healthcare Setting Flyer Health4Me Mobile App Download the UHC Health4Me app to have all of your health plan information at your fingertips. Access your health plan ID card, find a physician or facility, use the cost estimator to help plan your care, and manage your claims. UHC Health4Me Flyer mynurseline UHC s 24-Hour mynurseline provides you with advice from a trusted medical professional - at any time of the day or night. Registered nurses are on call 24/7 and can advise you as to whether your condition is something that can be treated at home, or if you need to go to an emergency room. The call is free and confidential. To take advantage of this service,. call UHC mynurseline Flyer 14

16 Healthy Pregnancy Program UHC provides you with one-on-one support throughout your pregnancy and delivery. Healthcare professionals can help you identify any risks or special needs through a wide variety of educational materials and resources. Call Monday through Friday (8 a.m. to 8 p.m. CST) to register. UHC Healthy Pregnancy Flyer Baby Blocks Mobile App Stay up-to-date with your baby s development through UHC s free Baby Blocks mobile app. When you enroll in Baby Blocks, you will receive a free Welcome Kit and gift at your home address as well as other rewards for achieving key milestones. UHC Baby Blocks Mobile App Flyer Quit For Life Smoking Cessation Program Get the support you need to quit smoking at no additional cost as part of your UHC benefits plan. The Quit For Life program offers support from a Quit Coach, Quit- Smoking Medications, and a Members-Only Website to help you track your progress and connect with others that are trying to quit smoking. Upon successful completion of the program, you will be eligible for a nonsmoker discount. Start living tobacco free by enrolling today at quitnow.net or by calling QUIT-4-LIFE. Quit For Life Flyer Real Appeal As part of our ongoing commitment to wellness, we are excited to announce that starting in January 2017, we will be offering Real Appeal an online weight loss and healthy lifestyle program at no cost to eligible participants! Real Appeal is a scientifically-proven program that has helped individuals lose weight and lower their risk for chronic diseases such as heart disease, Type 2 diabetes, and more. Contact the Real Appeal Answer Center at REAL (7325) to find out if you qualify and enroll today! YOUR 2017 BENEFITS 15

17 YOUR 2017 BENEFITS Cost for Coverage Coverage Period: January 1- December 31, 2017 Your premiums for medical, dental, and vision coverage will be deducted from your paycheck bi-weekly on a pre-tax basis. When you verify that you do not use tobacco products, you are eligible for a medical premium discount right away. Beginning January 1, 2017, smokers may contact United HealthCare to enroll in the Quit For Life Smoking Cessation Program. Employees who successfully complete the program will be eligible for the Non-Smoker premium discount. Medical DEDUCTIONS PER PAY PERIOD (26 PAY PERIODS PER YEAR) UHC Core Plan UHC Core Plan Smoker UHC Enhanced Plan UHC Enhanced Plan Smoker UHC HSA Plan UHC HSA Plan Smoker Employee Only $42 $60 $47 $65 $33 $51 Employee + 1 $125 $144 $139 $157 $97 $116 Employee + 2 $213 $231 $231 $250 $185 $204 Employee + 3 or More $370 $388 $393 $411 $231 $250 DEDUCTIONS PER PAY PERIOD (26 PAY PERIODS PER YEAR) Dental Employee Only $5.50 Employee + 1 $7.00 Employee + 2 $11.00 Employee + 3 or More $12.50 DEDUCTIONS PER PAY PERIOD (26 PAY PERIODS PER YEAR) Vision Employee Only $2.25 Employee + 1 $3.25 Employee + 2 $4.50 Employee + 3 or more $

18 Contact Information If you have any questions after you enroll, please call the benefit plan providers directly or log on to their websites. See the table below for contact information. BENEFIT VENDOR TELEPHONE WEB ADDRESS UnitedHealthcare Medical UnitedHealthcare Dental UnitedHealthcare Vision OptumRx for Mail Order Drugs Optum Bank- Health Savings Account Unum (Critical Illness, Accident, Hospital Indemnity and Whole Life Insurance) NurseLine OptumHealth EAP Access Code: WFG Cancer Resource Services YOUR 2017 BENEFITS Kidney Resource Services Woodforest 401(k) Plan Woodforest Benefits Department AccountAccess.aspx Note: This brochure is intended to summarize the benefits you receive from Woodforest Financial Group. The actual determination of your benefits is based solely on the plan documents provided by the carrier of each plan. This summary is not legally binding, is not a contract, and does not alter any original plan documents. 17

19 YOUR 2017 BENEFITS Notes 18

20 Let s Talk Benefits