Benefit Guide - Stripes

Your Benefits. Your Choices. Your Health.

2024

BENEFITS GUIDE

WELCOME

BROWNSVILLE HEALTH AND WELLNESS CENTERS (BMS) take pride in offering a comprehensive employee benefits program that meets our employees’ evolving needs and ensures a level of security and protection. We recognize the important role employee benefits play as a critical component of your overall compensation and will continue to target the best quality benefit plans for you and your families. 2024 Open Enrollment Open Enrollment starts December 4th through December 14th. If you were enrolled in the Emblemhealth Medical Plan, you will be automatically enrolled in the new Cigna Medical Plan. If you were enrolled in one of the Aetna Dental Plans, you will be automatically enrolled into a Cigna comparable plan. If you want to enroll/change/terminate benefits you MUST complete an election form. Please contact Human Resources (HR) for a benefits election form. Please return the completed enrollment form to HR. What’s changing in 2024: • Our medical carrier is changing to Cigna - Open Access Plus In-Network (OAPIN) Plan. • Your bi-weekly medical contributions will slightly decrease. • Our Dental carrier is changing to Cigna. We will continue to offer two (2) Dental Plans - DPPO Plan and DHMO Plan. • Your bi-weekly PPO dental contributions will slightly increase. • PerkSpot Discount Program - provides exclusive discounts on travel, entertainment, and much more. What’s staying the same? • Medical Expense Reimbursement Plan (MERP) through Nonstop Health. The MERP provides reimbursement for most of your In-Network medical expenses. • Our Vision Plan is provided through UnitedHealthcare and provides both In-Network and Out-of-Network benefits. • The Group Term Life/AD&D coverage through The Hartford is offered at no cost to you. • The Colonial Worksite Voluntary Benefits provide supplemental coverage. • LegalShield and IDShield Voluntary Benefits provide legal services and identity theft protection. • 401(k) Plan provided through Principal. For more information about these benefits, please contact BenefitsVIP at 866.286.5354. This guide provides a general overview of your benefit choices to help you select the coverage that is right for you. Every effort has been made to ensure the accuracy of the information presented. However in the event of any discrepancies, your actual coverage will be determined by the legal plan documents that govern the respective covera ge.

CONTENTS

BenefitsVIP Advocacy

3

Medical Benefits

4

Medical Expense Reimbursement Plan

5

Mail Order Pharmacy 6

Medical Glossary

7

Dental Benefits

8 - 9

Vision Benefits

10

Life/AD&D

11

Employee Assistance Program

12

Voluntary Benefits

13 - 15

401k Plan

16

PerkSpot Discount Program

17

Disclosures

18-19

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ADVOCACY

HELP STARTS HERE

BenefitsVIP is a powerful, one-stop contact center staffed by seasoned professionals. Your team of employee benefits advocates is ready to help you and your family members resolve your benefits issues.

BENEFITSVIP.COM Request member assistance and order ID cards with a click.

For service that’s confidential and responsive, contact:

866.286.5354 Monday - Friday 8:30am - 8:00pm (ET) Fax: 856.996.2755 Answers@benefitsvip.com

HEALTHDISCOVERY.ORG Get vital, useful and fun health insurance and wellness facts.

Questions Answered Here COMPLETELY CONFIDENTIAL! Your dedicated BenefitsVIP advocates understand your benefit plans and are able to answer benefit questions and quickly resolve claims and eligibility issues. A majority of inquiries are resolved the same day and all calls adhere to privacy best practices.

BenefitsVIP.com

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MEDICAL BENEFITS

OPEN ACCESS PLUS IN-NETWORK PLAN OPEN ACCESS PLUS IN-NETWORK PLAN W/NONSTOP HEALTH

BENEFIT

IN-NETWORK

MEMBER RESPONSIBILITY

Annual Deductible

Individual: $6,300; Family: $12,600

Individual: $0; Family: $0

Out-of-Pocket Maximum

Individual: $9,100; Family: $18,200

Individual: $0; Family: $0

Coinsurance

Cigna Pays: 70% Employee Pays: 30%

0%

Preventive Care Adult Preventive Care Adult Annual Physical Exam Well-Child Care

No Charge

$0

Inpatient Care Room and Board

70% coinsurance after deductible

$0

Outpatient Care Primary care physician office visits Specialist office visits Virtual Visits Outpatient facility surgery Lab & X-Ray Advanced Radiology (CT/PET Scan, MRI - Preauthorization required)

70% coinsurance after deductible 70% coinsurance after deductible 70% (deductible waived) 70% coinsurance after deductible 70% coinsurance after deductible 70% coinsurance after deductible

$0 $0 $0 $0 $0 $0

Emergency Care Ambulance when medically necessary At hospital emergency room Urgent Care Maternity Care Prenatal Hospital services for mother and child Mental Health/Substance Abuse Inpatient Outpatient

70% coinsurance after deductible 70% coinsurance after deductible 70% coinsurance after deductible

$0 $100 copay $0

No Charge 70% coinsurance after deductible

$0 $0

70% coinsurance after deductible 70% coinsurance after deductible

$0 $0

Prescription Drug Deductible

None

$0

Retail Pharmacy (30 day supply) Generic/Preferred Brand/Non-Preferred Brand

$10/$30/$60 (deductible waived)

$0

Mail Order (90 day supply) Generic/Preferred Brand/Non-Preferred Brand

$30/$90/$180 (deductible waived)

$0

SALARY BANDED CONTRIBUTIONS

Bi-weekly Contributions

$27,300 - $50,999

$51,000 - $70,999

$71,000 - $90,999

$91,000+

Employee

$58.58

$73.22

$91.52

$109.83

Employee & Spouse

$117.15

$146.44

$183.05

$219.66

Employee & Child(ren)

$99.58

$124.47$

$155.59

$186.71

Family

$166.94

$208.67

$260.84

$313.01

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MEDICAL EXPENSE REIMBURSEMENT PLAN

LOGGING INTO THE NONSTOP EXCHANGE MEMBER PORTAL FOR THE FIRST TIME 1. Using the Chrome internet browser, go to members.nonstophealth.com Click on "Don't Remember Your Password?” on the login page and enter your email address (If you’re unsure about what email to use, contact Nonstop). You will be 2. Then come back to members.nonstophealth.com and re-enter your email and new password. 3. When you log in for the first time you must go through our two-factor authentication process. You will be asked to enter your mobile phone number, and then a six-digit code will be texted to you. Enter that code to log into NSE. A second “backup” code will be provided when you log in and we recommend writing down or taking a picture of this backup code. If you’re using a trusted computer/browser, you can click “Remember This Browser” to bypass two-factor authentication for 3days. If you don’t have a mobile phone number, please contact us! emailed a link to set a personal and private password.

WHAT IS NONSTOP HEALTH

Nonstop Health is a type of healthcare program that allows organizations to fund a portion of their employees’ healthcare premiums and Out -of-Pocket expenses (e.g. deductibles, copays, and coinsurance) while also saving on premium expenses annually. The Nonstop Health program combines an ACA-compliant health plan with a section 105 medical expense reimbursement plan (MERP) – and provides you, the member, with a Visa card to help pay for In-Network, covered medical expenses, up to the allowed amount of $9,100 for employee and $18,200 for families. With Nonstop Health, you will receive two cards in the mail after you enroll: your identification card from Cigna and your Nonstop Visa card from Nonstop Administration and Insurance Services, Inc. (Nonstop). Your ID card comes from Cigna, and includes information relevant to the HDHP. You must present your ID card from Cigna during every doctor visit and for prescription purchases. This is important to ensure that Cigna is apprised of the charge and properly credits your services towards your In-Network deductible/Out-of-Pocket maximum. Current participants please keep your current NSH card. For any new enrollees, the Nonstop Visa card comes from Nonstop. The card can be used to pay for covered Cigna approved medical services and prescriptions received at In-Network providers and pharmacies, up to the allowed amount for your plan. You cannot use the Nonstop Visa card for dental or vision expenses, over the counter drugs, or any other non-covered and approved medical expense. You will receive two Nonstop Visa cards and both will be in your name, you can give the second card to a dependent if needed. If you need additional cards, please call us at 877.626.6057 or email clientsupport@nonstophealth.com . We recommend that you DO NOT set up a PIN as this will only allow you to use the card as a debit card and not a credit card. Follow these simple steps to use Nonstop Health at your provider or pharmacy. 1. Present your Cigna identification card at your provider so they can apply service costs to your deductible and/or Out-of-Pocket Maximum. 2. Pay for covered services and prescriptions with your Nonstop Health Visa Card. 3. If/when you receive a bill with a remaining balance, pay for those expenses with your Nonstop Health Visa Card.

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MAIL ORDER PHARMACY BENEFITS

PHARMACY MAIL ORDER

YOUR EXPRESS SCRIPTS PHARMACY BENEFITS Express Scripts® Pharmacy, is Cigna’s home delivery pharmacy. It is a convenient option if you’re taking a medication on a regular basis to treat an ongoing health condition. Express Scripts® Pharmacy helps make it easy for you to get your medication. With just a few simple clicks of your mobile phone, tablet or computer, your important medications will be on their way to your door (or location of your choice). • Easily order, manage, track and pay for your medications on your phone or online. • Standard shipping at no extra cost. • Fill up to a 90-day supply at one time. • Helpful pharmacists available 24/7. • Automatic refills and refill reminders so you don’t miss a dose. • Flexible payment options. prescription electronically. Click on the Prescriptions tab and select My Medications from the dropdown menu. Then simply click the button next to your medication name to move your prescription(s). 2. Call your doctor’s office. Ask them to send a 90 -day prescription (with rfills)3 electronically to Express Scripts Home Delivery. Or, 3. Call Express Scripts® Pharmacy at 800.835.3784 . They’ll contact your do tor’s office to help transfer your prescription. Have your Cigna ID card, doctor’s contact information and medication name(s) ready when you call. Got a new prescription? Ask your doctor to send it to Express Scripts® Pharmacy using one of these methods: • Electronically: For fastest service, they can send your prescription electronically to Express Scripts Home Delivery, NCPDP 2623735. • By fax: They can call 888.327.9791 to get a Fax Order Form. Three easy ways to switch to home delivery 1. Log in to the myCigna® App or myCigna.com to move your

Easily manage all of your prescriptions on the My Medications page

• Click on the Prescriptions tab and select My Medications from the dropdown menu. • View all of the prescriptions you’ve filled within the last 18 months. • Use the myCigna App to review your medications with your doctor during an office visit. • Move your prescription from a • For home delivery fills: Refill your prescriptions, get real-time order status and tracking, sign up for automatic refills, pay your bill online, sign up for a payment plan, and more. • For retail pharmacy fills: View where and when you last filled your medications. • For specialty medications: Easily connect to your online Accredo account to manage orders. • See which medications your plan covers. You have hundreds of generic, preferred brand, and non-preferred brand medications to choose from. • Use the Price a Medication tool to see how much your medication costs. You can also see if there are lower-cost alternatives available. • View your plan information. See your pharmacy claim history, coverage details, and account balances. retail pharmacy to home delivery with the click of a button.

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MEDICAL GLOSSARY & FIND A PROVIDER

HOW TO FIND A MEDICAL PROVIDER

INSURANCE TERMINOLOGY

Claim A request for a benefit (including reimbursement of a health care expense) made by you or your health care provider to your health insurer or plan for items or services you think are covered. Deductible An amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. In-network Coinsurance Your share (for example, 20%) of the allowed amount for covered health care services. Your share is usually lower for In-Network covered services. Maximum Out-of-pocket Limit Yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, In-Network services. Applies to most types of health plans and insurance. This amount may be higher than the Out-of-Pocket limits stated for your plan. Network Provider (Preferred Provider) A provider who has a contract with your health insurer or plan

who has agreed to provide services to members of a plan. You will pay less if you see a provider in the network. Also called “preferred provider” or “participating provider.” Primary Care Provider A physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed under state law and the terms of the plan, who provides, coordinates, or helps you access a range of health care services. Referral A written order from your primary care provider for you to see a specialist or get certain health care services. In many health maintenance organizations (HMOs), you need to get a referral before you can get health care services from anyone except your primary care provider. If you don’t get a referral first, the plan may not pay for the services Specialist A provider focusing on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions.

1. Go to www.Cigna.com . 2. Click on “Find a Doctor”. 3. Under “How are you Covered?” click on “Employer or School”. 4. Enter the location the area you want to search then click “Doctor by Type”. 5. Select a provider type from the dropdown menu and click “Search”. 6. Click “Continue as guest” www.myCigna.com and enter your username and password or click “Register” ) . 7. Verify your search location then click “Continue”. 8. Under “Please Select a Plan” click “ Open (if you are already a Cigna member go to

Access Plus, OA plus, Choice Fund OA Plus”.

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DENTAL DPPO BENEFITS

HOW TO FIND A DPPO DENTAL PROVIDER

All deductibles, plan maximums, and service specific maximums (dollar and occurrence) cross accumulate between In and Out-of-network. Your DPPO plan allows you to see any licensed dentist, but using an In-Network dentist may minimize your out-of-pocket expenses.

1. Go to www.Cigna.com . 2. Click on “Find a Doctor”. 3. Under “How are you Covered?” click on “Employer or School” . 4. Enter the location of the area you want to search then click “Doctor by Type” . 5. Select the type of dentist from the dropdown menu and click “Search” . 6. Click “Continue as guest” (if you are already a Cigna member go to www.myCigna.com and enter your username and password or click “Register” ). 7. Verify your search location then click “Continue” . 8. Under “Please Select a Plan” click “DPPO/EPO” .

DPPO ADVANTAGE

DPPO

BENEFIT

IN-NETWORK

IN-NEWORK

OUT-OF-NETWORK

Annual Deductible

Individual: $50 Family: $150

Individual: $50 Family: $150

Individual: $50 Family: $150

Annual Benefit Maximum

$1,500

$1,500

$1,500

Dental Plans Reimbursement Level

90th percentile of submitted charges

Contracted Fees

Contracted Fees

Diagnostic & Preventive Services Oral Examinations, Cleanings, Routine X-rays, Fluoride Application, Sealants, Space Maintainers, Non-Routine X-rays, Emergency care to relieve pain, Basic Services Filings, Oral Surgery, Periodontics, Root Canal Therapy/Endodontics, Relines, Rebases, and Adjustments, Repairs - Bridges, Crowns, and Inlays, Stainless Steel/Resin Crowns, Brush Biopsy Major Services Surgical Extraction of Impacted Teeth, Anesthetics, Repairs - Dentures, Bridges

100%

100%

100%

80%

60%

60%

50%

50%

50%

Orthodontic Services (adults & children)

Not Covered

Not Covered

Not Covered

Bi-Weekly Contributions Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

$12.90 $24.91 $24.28 $36.30

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DENTAL DHMO BENEFITS

HOW TO FIND A DHMO DENTAL PROVIDER

This Patient Charge Schedule applies only when covered dental services are performed by your Network Dentist. Not all Network Dentists perform all listed services and it is suggested that you check with your Network Dentist in advance of receiving services. This Patient Charge Schedule applies to Specialty Care when an appropriate referral is made by your Network General Dentist to a Network Specialty Endodontist, Periodontist or Oral Surgeon. A referral is not required for Specialty Care at a Network Specialty Pediatric Dentist or Orthodontist. You may select a Network Pediatric Dentist for your child under the age of 13 by calling Customer Service at 1.800.Cigna24 to get a list of Network Pediatric Dentists in your area. Coverage for treatment by a Pediatric Dentist ends on your child’s 13th birthday; however, exceptions for medical reasons may be considered on an individual basis. Your Network General Dentist will provide care upon your child’s 13th birthday.

1. Go to www.Cigna.com . 2. Click on “Find a Doctor” . 3. Under “How are you Covered?” click on “Employer or School” . 4. Enter the location of the area you want to search then click “Doctor by Type” . 5. Select the type of dentist from the dropdown menu and click “Search” . 6. Click “Continue as guest” (if you are already a Cigna member go to www.myCigna.com and enter your username and password or click “Register” ) . 7. Verify your search location then click “Continue” . 8. Under “Please Select a Plan” click “Cigna Dental Care DHMO” .

DMO PLAN 57

BENEFIT

IN-NETWORK

Annual Deductible

Individual: None Family: None

Annual Benefit Maximum

None

Office Visit Fee

$5

Diagnostic & Preventive Services

See Fee Schedule

Basic Services

See Fee Schedule

Major Services

See Fee Schedule

Orthodontic Services (adults & children)

See Fee Schedule

Bi-Weekly Contributions Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

$3.27 $5.96 $6.87 $10.35

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VISION BENEFITS

UHC VISION PLAN

HOW TO FIND A VISION PROVIDER

BENEFIT

IN-NETWORK

OUT-OF-NETWORK

Eye Exam

$10 copay

Up to $40

1. Go to

Hardware (Frames and Lenses)

$25 copay

See below

www.uhcvision.com (if you are already a member go to www.myuhcvision.com ). 2. Under “Provider Quick menu and select “UnitedHealthcare Vision” . 3. Enter your search criteria (e.g., Zip or Address”). 4. Click “Search” . Search” click on the “ Network” drop-down

Frequency Exam Lenses Frames Contacts

Every 12 months Every 12 months Every 12 months Every 12 months

Frames

$130 allowance

Up to $45

Lenses Single Vision Lenses Bifocal & Progressive Vision Lenses Trifocal Vision Lenses Lenticular Vision Lenses Contact Lenses Fitting & Evaluation Elective Contact Lenses Medically Necessary Contact Lenses

Covered in full after copay Covered in full after copay Covered in full after copay Covered in full after copay

Up to $40 Up to $60 Up to $80 Up to $80

$30 allowance $105 allowance Covered in full after copay

Not covered Up to $80 Up to $210

Bi-Weekly Contributions Employee Only Employee + Spouse Employee + Child(ren) Employee + Family

$2.44 $4.63 $5.41 $7.62

DISCOUNTS - IN-NETWORK ONLY

Laser Vision

UnitedHealthcare (UHC) has partnered with QualSight LASIK, the largest LASIK manager in the U.S., to provide members with access to discounted laser vision correction providers. Member savings represent up to 35% off the national average price of Traditional LASIK. Contracted prices start at $945 per eye for Traditional LASIK and $1,395 per eye for Custom LASIK. Discounts are also provided on newer technologies such as Custom Bladeless (all laser) LASIK.

Additional Material You will receive up to 20% discount on an additional pair of eyeglasses or contact lenses. This program is available after your vision benefits have been exhausted. Please note that this discount shall not be considered insurance, and that UHC shall neither pay nor reimburse the provider or member for any funds owed or spent. Additional materials do not have to be purchased at the time of initial material purchase

Hearing Aids

Save on custom-programmed hearing aids when you buy them from UnitedHealthcare Hearing. To find out more go to www.UHCHearing.com. When placing your order use promo code MYVISION to get the special discount price.

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GROUP TERM LIFE & AD&D BENEFITS

The Group Term Life and Accidental Death and Dismemberment (AD&D) insurance available through The Hartford gives extra protection that you and your family may need. Life and AD&D insurance offers financial protection by providing you coverage in case of an untimely death or an accident that destroys your income-earning ability. Life benefits are disbursed to your beneficiaries in a lump sum in the event of your death.

COMMONLY ASKED QUESTIONS

Q: When Can I Enroll? A: Your employer will automatically enroll you for this coverage. If you have not already done so, you must designate a beneficiary. Q: When Does This insurance Begin? A: This insurance will become effective for you on the date you become eligible. Q: When does this insurance end? A: This insurance will end when you no longer satisfy the applicable eligibility conditions, premium is unpaid, you are no longer are actively working, you leave your employer, or the coverage is no longer offered. Q: Can I keep this insurance if I leave my employer or am no longer a member of this group? A: Yes, you can take this life coverage with you. coverage may be continued for you under an individual conversion life certificate. The specific terms and qualifying events for conversion are described in the certificate. Conversion is not available for AD&D coverage.

GROUP LIFE/AD&D PLAN

Life Coverage - 1x times earnings to maximum $170,000

This insurance is guaranteed issue coverage - it is available without having to provide information about your health.

AD&D Benefits - Percent of Coverage Amount per Accident

Covered accidents or death can occur up to 365 days after the accident. The total benefit for all losses due to the same accident will not exceed 100% of your coverage amount.

Loss from Accident

Coverage

Life

100%

Both Hands and One Foot

100%

Speech and Hearing in Both Ears

100%

Either Hand or Foot and Sight of One Eye

100%

Movement of Both Upper and Lower Limbs (Quadriplegia)

100%

Movement of Both Lower Limbs

75%

Movement of Three Limbs

75%

Movement of the Upper and Lower Limbs of One Side of the Body (Hemiplegia)

50%

Either Hand or Foot

50%

Sight of One Eye

50%

Speech or Hearing in Both Ears

50%

Movement of One Limb (Uniplegia)

25%

Thumb and Index Finger of Either Hand

25%

Benefits reduce by 50% at age 70

You must be actively at work with BMS on the day your coverage takes effect.

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EMPLOYEE ASSISTANCE PROGRAM (EAP)

GUIDANCERESOURCES

The Employee Assistance Program is provided by ComPsych® Corporation and offers counseling, legal and financial consultation, work-life assistance and crisis intervention services to all our employees and their household family members. Q: Why provide an EAP? A: Because we care about our employees and their dependents. The EAP can be used free of charge as needed when you or your dependents are facing emotional, financial, legal or other concerns. Q: Are the services confidential? A: Yes, the EAP is strictly confidential. No information about your participation in the program is provided to your employer. Q: Why might my family or I use the services? A: There are many reasons to use these services. You may wish to contact the EAP if you: • Are feeling overwhelmed by the demands of balancing work and family. • Are experiencing stress, anxiety or depression. • Are dealing with grief and loss. • Need assistance with child or elder care concerns. • Have legal or financial questions. • Have concerns about substance abuse for yourself or a dependent. Q: What happens when I call? A: When you call, you will speak with a GuidanceConsultantSM,- a master’s or PhD-level counselor who will collect some general information about you and will talk with you about your needs. The GuidanceConsultantSM will provide the name of a counselor who can assist you. You can then set up an appointment to speak with the counselor over the phone or schedule a face-to-face visit. Q:What counseling services does the EAP provide? A: The EAP provides free short-term counseling with counselors in your area who can help you with your emotional concerns. If the counselor determines that your issues can be resolved with short-term counseling, you will receive counseling through the EAP. However, if it is determined that the problem cannot be resolved in short-term counseling in the EAP and you will need longer-term treatment, you will be referred to a specialist early on and your insurance coverage will be activated. Q: Can my children use the EAP? A: Yes. The EAP is a confidential benefit for employees and their household family members.

GuidanceResources Employee Assistance Program (EAP) is a network of services that can help you improve your health and handle any personal or professional challenges you face. It is provided free of charge and offers someone to talk to and resources to consult 24/7 by phone or online. Call: 877.616.0508 TTY: 800.697.0353 Online: www.guidanceresources.com APP: GuidanceNow SM Web ID: CN3906K assessments, videos, slideshows and podcasts on stress, diet and exercise, parenting, finances, leisure activities and more. • Online chat with a GuidanceConsultant SM . • On-Demand trainings for stress, parenting, managing • emotions, work-life balance and more. • Legal and financial tools. • Mobile app for anywhere, anytime access from your Smartphone. Online Support, Tools and Information • Dozens of articles,

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VOLUNTARY BENEFITS

For more information, or to contact a counseling session please contact

You never know when an unexpected illness or injury could leave you and your family with financial difficulties. Health insurance can help, but you can still have deductibles, copayments and other out-of-pocket expenses. That’s where voluntary benefits come in. Sometimes called supplemental insurance, voluntary benefits are designed to complement your health insurance and help provide extra financial protection. This year, BMS is helping you protect your way of life by giving you the opportunity to purchase the following voluntary benefits from Colonial Life:

www.coloniallife.com or call 800.325.4368.

Hearing-impaired customers 803.798.4040.

If you do not have a TDD call Voiance Telephone Interpretation Services: 844.495.6105.

• Accident insurance. • Cancer insurance. • Critical illness insurance. • Disability insurance. • Hospital confinement indemnity insurance.

To make sure you get the coverage you need, schedule your 1-to-1 benefits counseling session today.

Getting started The easiest way to manage your business with us is through ColonialLife.com . To sign up for the website, click Register at the top right of the home page and follow the instructions. eClaims are quick and easy With the eClaims feature on ColonialLife.com , you can file most claims online by simply answering a few questions and uploading your supporting documentation. You’re able to spend less time on paperwork, and we’re able to process your claim faster. Paper claims If you don’t want to file online, download the form you need by visiting the Claims Center page on ColonialLife.com and clicking on claims and service forms. Follow the instructions, tips and videos to complete and submit your claim.

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VOLUNTARY BENEFITS

For more information contact Arnum Wapples at Arnum@LegalShieldAssociate.com Armum.WeAreLegalShield.com or call 646.470.9208

BMS offers LegalShield and IDShield Voluntary Benefits for those needing legal services and identity theft services.

LEGALSHIELD MEMBERSHIP INCLUDES:

• Dedicated Law Firm provides highly customized service in handling your matter. • Legal Advice/Consultation on unlimited personal or business issues. • Letters/Calls available at the discretion of your provider lawyer. • Lawyers prepare your Will/Living Will/Health Care Power of Attorney. • Speeding Ticket Assistance is available 15 days after enrollment. • 25% Preferred Member Discount for bankruptcy, criminal charges, DUI, personal injury, etc.

• 24/7 Emergency Access for covered situations. • Personal Legal Document Review 10 pages or less. • Warranty Assistance. • Help contacting Government Agencies.

IDSHIELD MEMBERSHIP INCLUDES:

• Credit Monitoring from TransUnion with activity alerts. • High Risk Application and Transaction Monitoring detects fraud up to 90 days earlier than traditional credit monitoring services. We carefully watch your accounts, reorders, loans and more. If a new account is opened, you will receive an alert. • Social Media Monitoring for privacy and reputational risks. • Credit Inquiry Alerts when your Personally Identifiable Information (PII) is used to apply for bank/credit cards, utilities or rentals, and many other types of loans. • Consultation on any cyber security question. • $1 Million Protection Policy coverage for lost wages, legal defense fees, stolen funds and more. • Unlimited Service Guarantee ensures that we won’t give up until your identity is restored! • Identity Restoration performed by Licensed Private Investigators to restore your identity to its pre-theft status. • 24/7 Emergency Access in the event of an identity theft emergency.

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VOLUNTARY BENEFITS

LEGALSHIELD + IDSHIELD DUAL PLAN

Credit Counseling and Education Available exclusively to those with both a LegalShield and IDShield Membership, our Identity Theft Specialists will provide one-on-one education to help you understand your valuable credit rating and actions that are likely to have an impact on your credit score. Additionally, your provider law firm can offer legal consultation on the laws surrounding credit scores and lending as well as draft letters on your behalf and review documents up to 15 pages.

Receive counseling on: • Debt management. • Financial budgeting.

• Actions that impact your credit rating. • Reducing exposure to identity theft. • Avoiding scams. • Understanding credit ratings and score. • How credit scores influence loans and interest rates. • Causes of credit score changes. • How collections and inquiries affect credit reports. • Reviewing suspicious activity. • How to build credit. • Home buying coaching. • Mortgage education. • Creating a Budget. • Spending Habits. • How debt settlement affects credit score. • Understanding credit card APR.

PER PAYROLL PERIOD RATES (26)

PLAN

LEGAL + INDIVIDUAL IDSHIELD

LEGAL + FAMILY IDSHIELD

LegalShield

$10.13

$10.13

IDShield

$5.98

$10.59

Dual Plan

$16.11

$19.34

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401K PLAN

If you have questions about the retirement plan call to speak to a specialist at the Principal or visit their website: 1-800-547-7754 Monday through Friday, 7 a.m. - 9 p.m. (Central time), www.Principal.com.

401(K) QUESTIONS AND ANSWERS

Q : Am I eligible for Brownsville Community Development Corporation 401(K) PLAN? A: You are eligible to join the plan unless you are an employee who is: • a leased employee. • an independent contractor or employee of an independent contractor. • employed in the following position(s) or classification(s): Specialist. You are eligible to join the plan if you: • are at least age 18. • have completed 90 day(s) of service with the company • You enter the plan on the first day of the month on or after you meet the eligibility requirements. Q: Are there limits to my contributions? A: Your employer may match part of the pay you contribute to the plan through salary deferral. If a matching contribution is made to the plan, it will be calculated based on salary deferrals and pay as of the end of the plan year. The conditions you have to meet may include an hours requirement and/or require you to be an active participant during or at the end of the plan year. Your employer may make a discretionary contribution at the end of the plan year if you meet the requirements below. You will receive contributions if you are an active participant on the last day of the plan year during the latest accrual service. Employer contributions may change in the future. Q: When am I vested in the retirement plan funds? A: You are always 100% vested in the contributions you choose to defer. You cannot forfeit these contributions. You are vested in employer contributions based on years of vesting service in which you worked at least 1,000 hours as shown below. The vesting schedule is:

3 Year Cliff

< 3 Years

3 Years

0%

100%

The vesting schedule applies to the following contributions

Employer Match in M

Employer Discretionary

. Q: Can I take money from the plan? A: Yes, you may receive funds from your account for the following reasons: • Retirement (age 65).

• Early retirement (age 55). • Age 59-1/2 and still working. • Death. • Disability. • Termination of employment. • Financial Hardship Withdrawal.

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PERKSPOT DISCOUNT BENEFITS

Download the PerkSpot Mobile App to conveniently browse and save in your PerkSpot.

BMS’ benefits partner, Corporate Synergies, is now offering PerkSpot to BMS employees! PerkSpot provides exclusive discounts on travel, entertainment, and much more. Join and register today to start receiving these exciting benefits! WHAT IS THE PERKSPOT CORPORATE SYNERGIES DISCOUNT PROGRAM? The PerkSpot - Corporate Synergies Discount Program is a one-stop-shop for thousands of exclusive discounts in more than 25 different categories. That means there’s something for everyone! How to navigate through your Discount Program Stay Updated Shop your weekly deals with regular notifications on when it’s time to save. Shop With Ease Browse a variety of categories with thousands of discounts on items — big or small. Discover Local Save on neighborhood finds or browse as you travel with the Local Deals feature. Access at work, home, or on the go and browse thousands of discounts! Keep an eye out for new featured discounts in your weekly email. If you’ve still got some questions, visit support.perkspot.com to submit a request. Our bilingual Customer Service team at 866.606.6057 will reach out and can answer any questions in both English and Spanish. Start by signing up or logging in at corpsyn.perkspot.com .

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DISCLOSURES

NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996 (NEWBORN’S ACT) Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescrib ing a length of stay not in excess of 48 hours (or 96 hours). Under WHCRA, group health plans, insurance companies and health maintenance organizations (HMOs) offering mastectomy coverage must also provide coverage for reconstructive surgery in a manner determined in consultation with the attending physician and the patient. Coverage includes reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce a symmetrical appearance, and prostheses and treatment of physical complications at all stages of the mastectomy, including lymph edemas. Call your Plan Administrator for more information. QUALIFIED MEDICAL CHILD SUPPORT ORDER (QMCSO) QMCSO is a medical child support order issued under State law that creates or recognizes the existence of an “alternate recipient’s” right to receive benefits for which a participant or beneficiary is eligible under a group health plan. An “alternate recipient” is any child of a participant (including a child adopted by or placed for adoption with a participant in a group health plan) who is recognized under a medical child support order as having a right to enrollment under a group health plan with respect to such participant. Upon receipt, the administrator of a group health plan is required to determine, within a reasonable period of time, whether a medical child support order is qualified, and to administer benefits in accordance with the applica ble terms of each order that is qualified. In the event you are served with a notice to provide medical coverage for a dependent child as the result of a legal determination, you may obtain information from your employer on the rules for seeking to enact such coverage. These rules are provided at no cost to you and may be requested from your employer at any time. SPECIAL ENROLLMENT RIGHTS (HIPAA) If you have previously declined enrollment for yourself or your dependents (including your spouse) because of other health insur ance coverage, you may in the future be able to enroll yourself or your dependents in this plan, provided that you request enrollment within 30 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. If you leave your job to perform military service, you have the right to elect to continue your existing employer-based health plan coverage for you and your dependents (including spouse) for up to 24 months while in the military. Even if you do not elect to continue coverage during your military service, you have the right to be reinstated in your employer’s health plan when you are reemployed, generally without any waiting periods or exclusions for pre-existing conditions except for service-connected injuries or illnesses. MICHELLE’S LAW Michelle’s Law permits seriously ill or injured college students to continue coverage under a group health plan when they must leave school on a full-time basis due to their injury or illness and would otherwise lose coverage. The continuation of coverage applies to a dependent child’s leave of absence from (or other change in enrollment) a postsecondary THE WOMEN’S HEALTH A ND CANCER RIGHTS ACT OF 1998 (WHCRA, ALSO KNOWN A S JANET’S LAW) COVERAGE EXTENSION RIGHTS UNDER THE UNIFORMED SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS ACT (USERRA)

educational institution (college or university) because of a serious illness or injury, while covered under a health plan. This would otherwise cause the child to lose dependent status under the terms of the plan. Coverage will be continued until: 1. One year from the start of the medically necessary leave of ab sence, or 2. The date on which the coverage would otherwise terminate under the terms of the health plan; whichever is earlier. MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT OF 2008 This act expands the mental health parity requirements in the Em ployee Retirement Income Security Act, the Internal Revenue Code and the Public Health Services Act by imposing new mandates on group health plans that provide both medical and surgical benefits and mental health or substance abuse disorder benefits. Among the new requirements, such plans (or the health insurance coverage offered in connection with such plans) must ensure that: The financial requirements applicable to mental health or substance abuse disorder benefits are no more restrictive that the predominant financial requirements applied to substantially all medical and surgical benefits covered by the plan (or coverage), and there are no separate cost sharing requirements that are applicable only with respect to mental health or substance abuse disorder benefits. GENETIC INFORMATION NON-DISCRIMINATION ACT (GINA) GINA broadly prohibits covered employers from discriminating against an employee, individual, or member because of the employ ee’s “genetic information,” which is broadly defined in GINA to mean (1) genetic tests of the individual, (2) genetic tests of family members of the individual, and (3) the manifestation of a disease or disorder in family members of such individual. GINA also prohibits employers from requesting, requiring, or pur chasing an employee’s genetic information. This prohibition does not extend to information that is requested or required to comply with the certification requirements of family and medical leave laws, or to information inadvertently obtained through lawful inquiries under, for example, the Americans with Disabilities Act, provided the employer does not use the information in any discriminatory manner. In the event a covered employer lawfully (or inadvertently) acquires genetic information, the information must be kept in a separate file and treated as a confidential medical record, and may be disclosed to third parties only in very limited situations. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires employers who provide medical coverage to their employees to offer such coverage to employees and covered family members on a temporary basis when there has been a change in circumstances that would otherwise result in a loss of such coverage [26 USC §4980B ] This benefit, known as “continuation coverage,” applies if, for example, dependent children become independent, spouses get divorced, or employees leave the employer. CHILDREN'S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT (CHIPRA) Effective April 1, 2009 employees and dependents who are eligible for coverage, but who have not enrolled, have the right to elect coverage during the plan year under two circumstances: • The employee’s or dependent’s state Medicaid or CHIP (Children's Health Insurance Program) coverage terminates because the individual cease to be eligible. • The employee or dependent becomes eligible for a CHIP premi um assistance subsidy under state Medicaid or CHIP (Children's Health Insurance Program). Employees must request this special enrollment within 60 days of the loss of coverage and/or within 60 days of when eligibility is determined for the premium subsidy. PREMIUM ASSISTANCE U NDER MEDICAID AND CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assis tance program that can help pay for coverage, using funds from their Medi caid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you

may be able to buy individual insurance coverage through the Health Insur ance Marketplace. For more information, visit www.healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premi ums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2023.

Contact your State for more information on eligibility –

ALABAMA – Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447

ALASKA – Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/ default.aspx

ARKANSAS – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)

CALIFORNIA – Medicaid Health Insurance Premium Payment (HIPP) Program Website: http://dhcs.ca.gov/hipp Phone: 1-916-445-8322/Fax: 1-916-440-5676 Email: hipp@dhcs.ca.gov

COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711 CHP+: https://hcpf.colorado.gov/child-health-plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711. Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/ HIBI Customer Service: 1-855-692-6442

FLORIDA – Medicaid Website: https://www.flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index.html Phone: 1-877-357-3268

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DISCLOSURES

GEORGIA – Medicaid GA HIPP Website: https://medicaid.georgia.gov/health-insurance premium-payment-program-hipp Phone: 1-678-564-1162, Press 1 GA CHIPRA Website: https://medicaid.georgia.gov/programs/third-party liability/childrens-health-insurance-program-reauthorization-act-2009 chipra. Phone: 1-678-564-1162, Press 2 INDIANA – Medicaid Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid - Website: https://www.in.gov/medicaid/ Phone: 1-800-457-4584 IOWA – Medicaid and CHIP (Hawki) Medicaid Website: https://dhs.iowa.gov/ime/members Medicaid Phone: 1-800-338-8366 Hawki Website: http://dhs.iowa.gov/Hawki Hawki Phone: 1-800-257-8563 HIPP Website: https://dhs.iowa.gov/ime/members/medicaid-a-to-z/hipp HIPP Phone: 1-888-346-9562 KENTUCKY – Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/ kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx Phone: 1-877-524-4718 Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms LOUISIANA – Medicaid Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP) MAINE – Medicaid Enrollment Website: https://www.mymaineconnection.gov/benefits/s/? language=en_US KANSAS – Medicaid Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884/HIPP Phone: 1-800-967-4660

NEW HAMPSHIRE – Medicaid Website: https://www.dhhs.nh.gov/programs-services/medicaid/health insurance-premium-program Phone: 1-603-271-5218 NEW JERSEY – Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/ Medicaid Phone: 1-609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 NEW YORK – Medicaid Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831

WEST VIRGINIA – Medicaid and CHIP http://mywvhipp.com/ Medicaid Phone: 1-304-558-1700 CHIP Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

WISCONSIN – Medicaid and CHIP Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002 WYOMING – Medicaid Website: https://health.wyo.gov/healthcarefin/medicaid/programs-and eligibility/ Phone: 1-800-251-1269 To see if any other states have added a premium assistance program since July 31, 2023, or for more information on special enrollment rights, contact either:

NORTH CAROLINA – Medicaid Website: https://medicaid.ncdhhs.gov/ Phone: 1-919-855-4100 NORTH DAKOTA – Medicaid Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825 OKLAHOMA – Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272) U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

OREGON – Medicaid Website: http://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075 PENNSYLVANIA – Medicaid and CHIP Website: https://www.dhs.pa.gov/Services/Assistance/Pages/HIPP Program.aspx Phone: 1-800-692-7462 CHIP Website: Children's Health Insurance Program (CHIP) (pa.gov) CHIP Phone: 1-800-986-KIDS (5437) RHODE ISLAND – Medicaid and CHIP Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 1-401-462-0311 (Direct RIte Share Line)

PAPERWORK REDUCTION ACT STATEMENT According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of infor mation if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including sugges tions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Atten tion: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N 5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137.

SOUTH CAROLINA – Medicaid Website: https://www.scdhhs.gov/Phone: 1-888-549-0820

Phone: 1-800-442-6003/TTY: Maine relay 711 Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-800-977-6740 TTY: Maine relay 711 MASSACHUSETTS – Medicaid and CHIP Website: https://www.mass.gov/masshealth/pa Phone: 1-800-862-4840 TTY: 711 Email: masspremassistance@accenture.com

SOUTH DAKOTA - Medicaid Website: http://dss.sd.gov/Phone: 1-888-828-0059

TEXAS – Medicaid Website: Health Insurance Premium Payment (HIPP) Program | Texas Health and Human Services Phone: 1-800-440-0493

OMB Control Number 1210-0137 (expires 1/31/2026)

MINNESOTA – Medicaid Website: https://mn.gov/dhs/people-we-serve/children-and-families/ health-care/health-care-programs/programs-and-services/other insurance.jsp Phone: 1-800-657-3739 MISSOURI – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 1-573-751-2005 MONTANA – Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084/Email: HHSHIPPProgram@mt.gov

UTAH – Medicaid and CHIP Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669

VERMONT – Medicaid Website: Health Insurance Premium Payment (HIPP) Program | Department of Vermont Health Access Phone: 1-800-250-8427 VIRGINIA – Medicaid and CHIP Website: https://coverva.dmas.virginia.gov/learn/premium-assistance/ famis-select https://coverva.dmas.virginia.gov/learn/premium-assistance/health insurance-premium-payment-hipp-programs Medicaid/CHIP Phone: 1-800-432-5924 WASHINGTON – Medicaid Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022/ Website: https://dhhr.wv.gov/bms/ Toll free number for the HIPP program: 1-800-852-3345, ext. 5218

NEBRASKA – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633/Lincoln: 1-402-473-7000/ Omaha: 1-402-595-1178 NEVADA – Medicaid Medicaid Website: http://dhcfp.nv.gov/ Medicaid Phone: 1-800-992-0900

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