Medical is Administered by Anthem Blue Cross Blue Shield. Prescription is Administered by TrueScripts.

You will be able to choose between four medical plan options offered by Cook:

• Clinic PPO Plan
• Clinic HSA Plan
• Traditional PPO Plan
• HSA Plan

 All plans use the Blue Cross Blue Shield National Blue Card PPO network. Employees who reside in Monroe County must elect the Clinic plan or the Clinic HSA plan. Employees who reside outside Monroe County have the option to elect the Traditional PPO plan or the HSA plan. Although you can see any provider you wish, you will receive the best benefits when you choose an in-network physician. To locate an in-network doctor or hospital near you, you can visit anthem.com/find-care.

You will pay your prescription’s full cost upfront until you meet your in-network deductible. After you’ve met your in-network deductible, you’ll pay an out-of-pocket coinsurance cost for covered prescription drugs until your out-of-pocket has been satisfied.

• Health plan ID card: All enrollees will receive a new health plan ID card for 2026. Please ensure you present your new card when visiting your healthcare provider and pharmacy.
  
• Health Savings Account (HSA) debit card: New 2026 HSA enrollees will get a debit card in the mail. If you had an HSA account in 2025, continue to use your current HSA debit card. You will automatically receive a new card in the mail once your current HSA debit card expires.
• Flexible Spending Account (FSA) debit cards: New 2026 FSA enrollees will get a debit card in the mail. If you had an FSA account in 2025, continue to use your current FSA debit card. You will automatically receive a new card in the mail once your current FSA debit card expires.

Prescription
For more information about Prescriptions contact Truescripts at 844.257.1955 or visit truescripts.com.

Administered by Delta Dental

Dental coverage is provided with the election of a Cook medical plan. You are free to choose an out of-network provider, but your out-of-pocket costs will be higher. To locate an in-network dentist, you can visit: deltadentalin.com. Refer to the official plan documents for additional coverage details.

Special Health Care Needs Benefit
Additional visits to the dentist’s office can be helpful prior to the first treatment to help patients learn what to expect and what is needed for a successful dental appointment. Plan participants with a qualifying special health care need are eligible for up to four dental cleanings per calendar year.

For more information contact Delta Dental at 800.524.0149 or deltadentalin.com.

Administered by Anthem Blue View Vision

Vision coverage is provided with the election of a Cook medical plan. You are free to choose an out-of-network doctor, but will receive significant discounts with an in-network provider under the Anthem Blue View Vision provider network. To locate an in-network provider, you can visit: anthem.com/findcare. Refer to the official plan documents for additional coverage details.

Hearing checks, hearing aids (monaural or binaural), including ear mold(s), hearing aid instruments, batteries, cords, and other ancillary equipment as required to correct hearing loss is covered up to $3,000 per person every 5 years. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network provider. This benefit is subject to the standard medical deductible and co-insurance.

A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses for you and your dependents. With its triple tax advantages, easy access to funds, and future growth potential, it’s a unique savings vehicle that provides benefits today and in the future.

Who is eligible to open an HSA?
An individual who meets all of the following criteria:

• Covered under the Clinic HSA plan or the HSA plan
• Not enrolled in Medicare
• Not claimed as a dependent on another person’s tax return (excluding your spouse)
• Not enrolled in a General Purpose HealthCare FSA 

Additional resources

• Visit fidelity.com/healthsavingsaccount or call 800-544-3716
• Learn about the benefits of your HSA
• Making the most of your health plan and Fidelity HSA
• Four things to know about your HSA
• HSA guide: Your guide to understanding a Health Savings Account
• Video: Investing your Fidelity Health Savings Account

A Flexible Spending Account allows you to set aside some of your income on a pre-tax basis to pay for certain health or day-care expenses that may not be covered as part of your benefit plans. Cook offers two types of accounts, a Healthcare Flexible Spending Account and a Dependent Care Flexible Spending Account. Both plans have use it or lose it provisions, meaning that any money left in the account at the end of the plan year will be forfeited.

Health Flexible Spending Account (HFSA)
The HFSA allows you to pay for eligible medical, dental, and vision expenses not covered by your benefit plans. This includes deductibles, copays, and coinsurance, including those for orthodontia, glasses, contact lenses, and over-the-counter medications. HFSAs are prefunded by Cook which allows you to access your HFSA annual election when eligible. There are two tax advantage HFSA options to choose from:

• General-Purpose Health Flexible Spending Account (GPHFSA)
• Limited-Purpose Health Flexible Spending Account (LPHFSA).

Select the Limited-Purpose HFSA if you elect the Clinic HSA plan or HSA plan or if your spouse is covered by a high deductible health plan and health savings account (HSA) with their employer. Per IRS regulations, coverage in a General-Purpose HFSA disqualifies an individual from making or receiving contributions to their HSA.

Dependent Care Flexible Spending Account (DCFSA)
A DCFSA can help fund the care of children under the age of 13 or a disabled spouse or parent while you work. The account can be used for day care, preschool, after-school care, summer day camp, or elder care. The Dependent Care FSA is not prefunded by Cook. You can only be reimbursed with funds that you contributed at the time your claim is processed. The annual maximum is $7,500 for single or married employees filing jointly or $3,750 annually for married employees filing separately. 

Please note: It is important that you elect your FSAs carefully. If you elect a LPHFSA when you really wanted a GPHFSA, you cannot change to a GPHFSA after the deadline. More information on DCFSA and HFSA can be found in the Cafeteria Plan booklet. If you would like a Cafeteria Plan booklet contact your local HR representative.

Administered by Fidelity 

Simply put, a 401(k) is a type of retirement plan offered through your workplace. Here are a few reasons why you should participate:

• Beyond providing a way to invest for retirement, 401(k)s may offer huge tax advantages. For example, in some plans, your contribution comes out of your paycheck before income taxes are deducted, which means your tax bill will be lower. You could also save on taxes when you withdraw the money because you may be in a lower tax bracket in retirement.
• Another huge advantage: the chance to get "free" money from your employer in the form of matching contributions.
• Your retirement plan isn't just a generic or glorified savings plan for your day-­to-­day expenses. It's a long-­term personal plan for growing your savings by investing in a mix of mutual funds, stocks, and bonds.

For more information, contact Fidelity NetBenefits at 800.835.5091 or visit NetBenefits.com.

You can update your beneficiary at any time by logging on to Fidelity NetBenefits’ website at NetBenefits.com. Click on “Profile” and then click on “Beneficiary” to access the beneficiary update screen. You can also call Fidelity NetBenefits at 800.835.5091 and request a beneficiary designation form to complete and send back to Fidelity NetBenefits.

Additional Resources: 

• Video: Fidelity NetBenefits overview
• Flyer: Financial wellness checkup
• Flyer: NetBenefits financial wellness dashboard
• Flyer: 401(k) Student Debt Retirement Match Program
• Resource: StudentDebtRetirement.Fidelity.com (Fidelity login required)
• Resource: Student debt retirement video guide
  
  

Cook Group Get Started and Save for Future You (brainshark.com)

We recommend you play this presentation in full screen for the best viewing experience.

Basic Life and AD&D Insurance

Administered by Prudential 

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D) to hourly and salary employees through Prudential is available at no cost to you and is paid for by Cook. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date.

Click here to learn more!

Optional life and AD&D insurance
Optional life insurance and supplemental AD&D is available in addition to your Cook-provided basic life and AD&D. You can purchase coverage for yourself, your spouse, and/or your dependent children. Dependent coverage is only available if you have coverage for yourself. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date.

• If you are not currently enrolled in optional employee term life insurance and have not been denied coverage in the past, you can elect up to $40,000 with no evidence of insurability (EOI) required.
• If you are already enrolled in optional employee term life insurance, you can elect to increase your current coverage up to an additional $40,000 without EOI required. Any increase amount that results in a coverage amount greater than $500,000, Prudential will mail or email an EOI form to you to complete and return to Prudential for approval.
• If you elect more than $40,000 of initial coverage or elect to increase current coverage by more than $40,000, Prudential will mail or email an EOI form to you to complete and return to Prudential for approval. If you are electing new or additional coverage for your spouse, you must complete and return the EOI form that will be mailed or emailed to you. EOI is not required for optional AD&D insurance. You can elect optional accidental death and dismemberment insurance on yourself, spouse, and children during open enrollment.

Click here to learn more!

Update your beneficiary information
You can update your life insurance beneficiary by logging on to Prudential’s website at prudential.com/mybenefits. The Cook company control number is 50318. Updates to your life insurance beneficiary can be made at any time (not just during open enrollment) on Prudential’s website.

For more information call 800.593.2080. 

Voluntary Long-Term Disability Insurance can help protect your income if you are unable to work due to a non-work related accident or illness following a 180-day elimination period. Refer to the official plan documents for additional coverage details.

If you are enrolling in the optional long-term disability plan for the first time, you must fully complete and return the evidence of insurability (EOI) form Prudential sends (mail or email) to you. Your EOI form must be approved by Prudential which could take several weeks.

For more information call 800.593.2080. 

Administered by Reliance Standard
Group #: VCI802636

No one can be completely prepared for when critical illness strikes. However, if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack after the policy’s effective date, critical illness insurance through Reliance Standard provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries.

Plan Features:

• Includes coverage of Acute Respiratory Distress Syndrome*
• Every year that you complete a qualified health screening, like an annual physical or COVID-19
  diagnostic test, you and your covered dependent(s) are eligible for a $50 Wellness Benefit

GUARANTEE ISSUE
This benefit is always eligible for guarantee issue, with no physical or medical questions required unless you have previously been denied coverage. Guarantee issue means you can enroll with no health questions regardless of pre-existing conditions. However, if a claim is made, the date of diagnosis must be after your policy’s effective date.

For more information contact Reliance Standard at 800.351.7500 or visit reliancestandard.com.

*Acute Respiratory Distress Syndrome (ARDS) that results in inadequate oxygenation due to aspiration or infection. Evidence of infiltrates is seen in both lungs. This acute lung injury is typically confirmed by the testing of blood gases. A 25% benefit of the policy face value is paid upon a physician’s diagnosis. Details about when COVID-19 would trigger an ARDS diagnosis can be found in the link above.

Administered by Reliance Standard
Group #: VHI869335

Even with health insurance, a stay in the hospital can quickly become costly as out-of-pocket expenses begin to add up. Hospitalization coverage through Reliance Standard can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for deductibles, coinsurance or even childcare expenses. No medical history is required to enroll.

*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.
**Admission means receiving treatment for a sickness or injury in a hospital, including an observation room or ICU, for a period of more than 23 hours.

Administered by Reliance Standard
Group #: VAI855654

When you suffer an accident (on- or off-the-job) such as a burn or broken bone, accident insurance through Reliance Standard provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. Coverage applies towards events such as concussions, dislocations, fractures, physical therapy, and x-rays.

Plan Features:

• Every year that you complete a qualified health screening, you’re eligible for a $50 Health Screening Benefit. Your covered dependent(s) is also eligible to receive the benefit.
• No medical history is required to enroll.

For more information contact Reliance Standard at 800.351.7500 or visit reliancestandard.com.

Medicare
Medicare is our country's health insurance program for people age 65 or older. You may also qualify if you have permanent kidney failure or receive disability benefits. Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65. Click here to learn more!

Additional Medicare support
This program will help you learn more about your Medicare options. If you or your spouse are 65 years or over or will turn 65 in the next 12 months, you and your Medicare-eligible family members have the opportunity to get a free personalized Medicare consultation that will compare Medicare to your Cook benefit options. Licensed representatives are available to speak with you!

Licensed Senior Benefits Advisors are available to speak with you to discuss your questions. During your individual appointment, you will receive the support you need in order to understand your
options including:

• Eligibility
• Costs and potential penalties
• Review plan options, changes and selections
• When and how to enroll

To schedule a telephonic appointment, visit www.seniorbenefits.mybenefitsappointment.com or call 833.421.0008, Monday-Friday, 9am-4pm, ET.

Social Security
Apply for your monthly retirement benefit any time between age 62 and 70. The Social Security Administration will calculate your payment by looking at how much you've earned throughout your life. The amount will be higher the longer you wait to apply, up until age 70. The timing is up to you and should be based on your own personal needs. Learn and plan before you apply for Social Security benefits. Click here to learn more!