Administered by Aetna

With Aetna as your medical plan provider you have access to four robust medical plans, empowering you to make the right choices for you and your family.

No one plan is better than the other; you should make your choices based on your financial situation for the year ahead. You should consider the plan’s paycheck contribution, as well as the costs you will need to pay at the time of service.

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Understanding medical plans

• Contribution is the amount that comes out of your paycheck each pay period.
• Copay is a fixed amount you pay for a covered healthcare service each visit.
• Deductible is the amount you pay when you use healthcare services. You pay the full deductible before the plan covers services, with the exception of preventive care.
• Coinsurance is the percentage you pay toward a healthcare service after you have paid the deductible.
• Out-of-Pocket Maximum is the most you will pay for covered services in the plan year which includes your deductible and copays. Any cost above your out-of-pocket maximum is paid 100% by the plan

Open Enrollment is your opportunity to review your existing benefits and make changes for the year ahead.

Take time to compare plan designs and costs. You should also consider how you prefer to pay for healthcare: higher paycheck costs and pay less when you receive care, or lower paycheck costs and pay more when you receive care.

Make the most of our network

Check if your doctor is in-network at www.aetna.com. Choose network: Aetna Choice POS II − Open Access. You will save money every time you choose doctors who are in the network.

Administered by OptumRx

OptumRx will continue as your Rx provider, ensuring safe, easy and cost-effective ways for you to get the medication you need. The generic copay is $20 for both the Traditional and Premier plans.

The generic copay will remain at $20 for both the Traditional and Premier plans. To compare prescription coverage based on Medical Plans, just go to page 9 of your benefit guide.

Home delivery

Get the medications you take regularly through OptumRx home delivery service.

• Order up to a 90-day supply
• Pharmacists are available 24/7
• Set up medication reminders and automatic refills

Best pharmacies

You will have access to a wide network of retail pharmacies, including large national chains  such as CVS and Walgreens, and many local pharmacies.

Online tools

Use OptumRx’s mobile app and website to help you manage your medications.

• Find a network pharmacy
• Check medication coverage
• Track home delivery orders

Go online: www.optumrx.com

Download the mobile app" Search for OptumRx in the Apple® App Store® or Google Play™.

During Open Enrollment and throughout the year, find out if your medication is covered, visit optumrx.com or call the OE Support Center at 844.783.1398 to review the latest prescription drug list. You can also download the OptumRx app in the App Store® or Google Play™.

Administered by HealthEquity

An HSA helps you save pre-tax dollars to pay for healthcare expenses now and in the future. You can use your HSA to pay for medical, prescription, dental and vision expenses – and we will contribute annually too.

How does the HSA work?

• All your contributions and health expense withdrawals are tax-free. And the account is free too! Encore pays all fees.
• There is no “use it or lose it” rule. Your unused funds roll over each year
• The HSA account is yours. You keep any unused funds if you change plans, retire or leave Encore
• You can adjust your contribution any time throughout the year, not to exceed the IRS maximum
• We will pay an annual contribution into your open HSA account, which will be available in early January 2025
• You are issued a debit card to use to pay for healthcare expenses.

Am I eligible for the HSA? You can contribute into the HSA:

• If you are enrolled in either the Value PPO or Basic PPO medical plan.
• If you are not enrolled in Medicare or TRICARE.
• If you are not covered under any non-HSA eligible health plan.
• If you are not claimed as a dependent on another person’s tax return.
• If you do not have access to a Healthcare FSA.

The 2025 IRS HSA Contribution Limit is $4,300 for individual and $8,550 for family coverage, which includes both employee and employer contributions. If you are age 55 or older and not eligible for, or enrolled in, Medicare, you can make an additional catch-up contribution of $1,000.

Administered by Wex

FSAs help you save pre-tax money on health and dependent daycare expenses.

How do FSAs work?

• All your FSA contributions are tax-free, helping you maximize your savings
• Your eligibility will depend on the medical plan you enroll in
• Funds won’t rollover indefinitely – and will be forfeited if you change plans, leave the company or retire – so it’s important to plan carefully
• Claims must be substantiated as you go to avoid unexpected taxation at the end of the year

There are three types of FSAs available:

HEALTHCARE FLEXIBLE SPENDING ACCOUNT

• Available to anyone not contributing into an HSA
• Must be enrolled in either the Traditional PPO or Premier PPO health plans, or can be elected with no medical plan enrollment
• Use for eligible medical, dental, and vision expenses for all family members
• Contribute up to $3,300 in 2025 (anticipated IRS limit)
• Unused funds roll over up to a maximum of $660

DEPENDENT CARE ACCOUNT (FOR DAYCARE)

• Available to all team members with eligible tax dependents
• Use to pay for daycare for children age 12 and under, elder care, or other qualified dependent care
• Contribute up to $5,000
• Unused funds will not roll over

NOTE: This is not a healthcare account for your spouse or children.

LIMITED PURPOSE FSA

• Account is only for Basic or Value high deductible medical plan participants.
• Contribute up to $3,300 in 2025 (anticipated IRS limit).
• Use for dental and vision expenses. Use your HSA for medical expenses.

If you enroll in an FSA in 2024, you will be provided with an FSA debit card, which you should use to pay for your expenses throughout the year. If you had an FSA account in 2023, keep your debit card. It’s good for three years, and new cards are not issued each year. Visit Encore Connect > HR > Benefits or https://www.wexbenefitsyou.com/oe/fsa.html for great FSA online and mobile tools to manage your account and substantiate your claims

If you choose to enroll in our medical plan and the FSA – your substantiation could be automatic! When you submit an eligible medical claim to your FSA, the system auto verifies the expense with our provider feed.

Administered by Delta Dental

Life’s better when you’re smiling. We’re giving you a reason, and a built-in way, to keep that smile healthy. Through Delta Dental of Illinois you can access a PPO network to help keep you smiling. You can go to any licensed dentist, however, you will save the most money by visiting a dentist in the Delta Dental PPOSM network. 

We offer two options: the Basic Plan and the Enhanced Plan. The Enhanced Plan includes Orthodontia coverage for children and adults. Click the button below to view a summary of your options.

Administered by Aetna Vision

Having vision insurance is good for your overall health. Routine eye exams don’t just spot vision problems like glaucoma. They also detect signs of health conditions like high blood pressure and diabetes — even before symptoms appear. That’s why Aetna provides things like routine eye exams including dilation, one pair of eyeglasses (lenses and frame) or contact lenses and prescription sunglasses as a part of your coverage.

To search for providers, use the online decision support tool, manage your benefits and view your ID card online at aetnavision.com or on the Aetna Vision Preferred app.

Talkspace

Taking care of your mental health has never been more important — or so convenient. Talkspace is like having your own personal counselor in the palm of your hand — because it is. 

Once you’ve started, you can text your dedicated therapist or schedule a video session. Whether you need individual therapy, couples therapy, or your teen needs someone to talk to, Talkspace is completely confidential and completely free. Team members and their family have free access.

Employee Assistance Program (EAP)

We recognize that finding a good work/life balance can be challenging. Whether you’re juggling work and childcare or are dealing with financial stress, our confidential EAP program is here to help. The EAP’s counselors are available 24/7 to help with:

• Mental Health Counseling
• Life Coaching
• Legal and Financial Consultation
• Work-Life Referrals
• Personal Assistant Referrals
• Medical Advocacy

You don’t need to tackle your problems alone. Your benefits allow you five EAP sessions that are absolutely free, confidential and there for you and your family when you need it; we want you to take advantage of everything it has to offer. The EAP's definition of "eligible family" is however you define it.

Offering you peace of mind when you need it most, we provide you with basic life and disability insurance at no cost to you. You can elect to purchase additional coverage to suit your needs.

Life Insurance

You are automatically enrolled in company-funded Basic Life and Accidental Death and Dismemberment (AD&D) insurance to guarantee that, should the worst happen, your dependents and other loved ones will be provided for.

• BASIC LIFE BENEFIT of 1x your annual earnings up to $300,000.
• BASIC AD&D BENEFIT of 1x your annual earnings up to $300,000.

Supplemental Life Insurance

In addition to your Basic Life and AD&D insurance, you can elect to pay for additional Life Insurance for yourself and your family.    You must elect supplemental life insurance for yourself in order to cover a spouse or child under this plan.

• EMPLOYEE BENEFIT of up to $500,000, in $10,000 increments with a health questionnaire.
• SPOUSE BENEFIT of up to $150,000, in $1,000 increments with a health questionnaire (not to exceed employee supplemental life election).
• CHILD BENEFIT of $5,000 or $10,000 from birth until age 26, who is financially dependent on you. 

EVIDENCE OF INSURABILITY (EOI)

You can elect the following supplemental life insurance with no EOI.

• EMPLOYEE: $10,000 increase up to total coverage of $200,000
• SPOUSE: $1,000 increase up to total coverage of $50,000
• CHILD: No EOI needed

Coverage over the level above will require EOI, which will be provided to you after Open Enrollment. Coverage will be effective the latter of January 1 or when approved by the insurer. Not completing the EOI process will result in your election being reversed to prior coverage amount(s) plus the increment above if applicable.

Rates are age-based and are automatically calculated during enrollment. The rate chart is also available on Encore Connect >HR > Benefits.

Taking time off because of an accident, illness, or birth of a child can put a huge strain on your finances. That’s why we provide Basic Short-Term Disability (STD) and Long-Term Disability (LTD) insurance to you. Employees will be auto-enrolled in this plan with a $1.00 bi-weekly contribution.

Our 401(k) plan, through Empower, is designed to help you reach your financial goals and plan for the retirement you want. We’ll contribute 50¢ for every $1 you put in, up to 6% of your eligible earnings on any of the pre-tax, Roth(k) or catch-up options. A variety of investment funds are available as well.

You’re bound to save money on everyday expenses and special splurges with Abenity! Check Abenity before you go to the store, the movie theater, or on vacation. Discounts are available to you and your family. When you use Abenity online or on the app, you can:

• Search for nearby locations
• Browse by merchant name
• Browse by merchant type
• Share offers using sharing tools
• Purchase eTickets on demand
• Watch movie trailers before buying your ticket
• Save coupons for later use
• Receive 24/7/365 phone support

Get the Abenity app on the Apple App Store or on Google Play. Learn more at https://encore.abenity.com/.

Whether you’re trying to start a savings plan, pay down debt, or need a reasonably-priced loan, FinFit supports your financial health. Your loan payments are deducted right from your Encore paycheck — so you never miss a payment.

• Borrow responsibly with affordable loans: FinFit employee loans typically have higher acceptance and lower interest than those from traditional lenders, allowing you to take control of your debt and improve your credit score.
• Be better with money: Access a robust library of educational guides and resources to help you navigate the most important pieces of the financial puzzle.
• Learn better ways to save: Whether you want to start saving or grow your existing savings, we offer the simplest way to save through your paycheck and get rewarded for it. Earn up to a $50 bonus for the first $500 you save in the first six months, plus 2.00% Annual Percentage Yield (APY) ongoing.

Say goodbye to high-interest loans and hello to financial control, as making smart financial choices will be easier than ever.

Learn more about FinFit at Finfit.com/encore.

Requires 1 year of service

Administered by Reliance Matrix

If you’re hurt off-the-job and need treatment, Accident Insurance, through Reliance, provides you and your family with cash benefits paid directly to you.

Administered by Reliance Matrix

If you’re diagnosed with a critical illness, have a stroke or become paralyzed, Critical Illness coverage, through Reliance Standard, provides a lump-sum cash payment for financial peace of mind.

Elect up to:

• $30,000 for you or your spouse
• $10,000 for your child(ren)
  (must not exceed your personal election)

Administered by Reliance Matrix

When you’re hospitalized, Hospital Indemnity Insurance, through Reliance, provides a benefit payment you can use to cover your deductible or any other expenses that may be difficult to pay because of your hospitalization.

What’s covered:

• $1,000 for the first day of a hospital stay, once per year (Not paid for a newborn child’s initial confinement after birth)
• $100 for each day you are in an intensive care unit, max. 30 days.
• $100 for each day of a hospital stay, max. 180 days.

In the event of the death of you or an enrolled family member, Universal Life insurance, through Allstate, provides a lump-sum cash payment to help cover costs. Tax benefits, withdrawals, and loans are available; however, taxes and penalties may affect your decision.

Make your decisions and changes online – and get immediate confirmation of your selections at https://awd.benselect.com/Enroll/.

Elect up to:

• $150,000 for yourself
• $100,000 for your working spouse
• $50,000 for your child(ren)

Legal Insurance through ARAG provides a benefit you can use to plan for the expected and unexpected times in your life. For a bi-weekly contribution of just $7.08, you’ll get support with:

• Estate planning
• Will & trust writing
• Real estate matters
• Financial matters
• Document reviews
• Family law
• Identity theft
• And much more!

Go online to see how a legal plan can protect you at ARAGlegal.com/myinfo (access code: 18833en).

Administered by Wex

Provided through WEX, the Commuter Benefit for Mass Transit and Parking is a pre-tax account used to pay for qualified expenses as part of your daily commute to work. It's easy to use and provides you with a variety of convenient payment methods: sending a payment directly to your parking provider, getting reimbursed for eligible commuting expenses you pay out-of-pocket for, or using the WEX card to pay your Mass Transit and Parking provider.

Monthly contribution maximums for 2025:

• Up to $325 per month for qualified Mass Transit
• Up to $325 per month for qualified Parking

How to enroll:
You can elect this benefit any time throughout the year through an UKG Life Event. Simply decide how much to contribute up to the allowed monthly limit and enroll by the 1st of the current month to be effective by the 1st of the following month. Funds are withdrawn from your paycheck before taxes are deducted.

Click here to view the carrier contact sheet.

For all other inquiries relating to your Benefits, please contact the Encore Benefits Team at 800.876.5141 or BenefitsTeam@Encoreglobal.com.