Administered through UPMC

The Inside Advantage (IA) HRA EPO Plan is the default plan for employees that reside in Pennsylvania. You will receive the best benefits by using providers in the IA Benefit Level 1, which are UPMC providers and UPMC-owned facilities, along with many community-owned providers. Benefit Level 2 includes many UPMC contracted facilities, and the services affiliated with those facilities, such as laboratory and pathology tests, x-ray, MRI therapy services, etc. Providers participating in the Inside Advantage plan are located in Pennsylvania. Costs for coverage are paid through pre-tax payroll deductions. By paying on a pre-tax basis, your cost is lower because the earnings you use to pay premiums are not subject to federal tax withholding or Social Security (FICA) taxes. Please refer to the summary plan descriptions for details 

If you live in Ohio, your default plan is the HRA PPO plan. This plan accesses the UPMC Premium Network that includes providers located in Ohio. The HRA EPO plan also accesses the UPMC Premium Network and is available for Pennsylvania-based employees that have continuing care needs with providers that are not participating in the Inside Advantage plan. The payroll deductions for this plan will be higher than payroll deductions for the Inside Advantage Plan. Costs for coverage are paid through pre-tax payroll deductions. By paying on a pre-tax basis, your cost is lower because the earnings you use to pay premiums are not subject to federal tax withholding or Social Security (FICA) taxes. Please refer to the summary plan descriptions for details. 

All medical plans include preventive care services 100% covered under your medical insurance, meaning no copays or deductibles will apply when an in-network provider delivers the covered services. Preventive exams can detect if you are at risk for a chronic disease that may be preventable. 

The plan covers preventive care visits at 100%, includes an out-of-pocket maximum to protect you should a catastrophic event occur, and out-of-network coverage if needed. Although out-of-network coverage is available, using in-network providers will save you money. You can find BlueCross BlueShield of Tennessee network providers online at bcbst.com.

Virtual Care with AnywhereCare

With virtual visits through UPMC AnywhereCare, you can be treated for a variety of general healthcare concerns from the comfort of your home or office. If you are enrolled in the medical plan, you have access to board-certified providers.

• Discuss primary or urgent care needs, chronic condition management, and routine medication concerns

• Get support finding and scheduling a specialist visit

• Connect with providers through secure video visits or messaging

• Receive on-demand care—no appointment required

To get started, download the UPMC AnywhereCare app or visit the AnywhereCare website. Support is available at 833-716-8447.

Use AnywhereCare for things like:

• Allergies, cold, fever and flu
• Urinary tract infections
• Sinus or respiratory issues
• Skin conditions (rashes or insect bites)
• Constipation or diarrhea
• Earaches
• Nausea and vomiting

Providers can assist with primary and urgent care needs, mental health questions, chronic condition management, and routine medication needs. Rather than having to visit the ER because your doctor’s office is closed, or having to take a sick child to the doctor’s office when you only need a prescription, you can send a text and get a response from One to One Health’s board certified providers within 5 minutes.

Biometric Screening

With the goal of helping you achieve a healthier and more balanced lifestyle, you have the option of participating in a biometric screening. This helps those enrolled in our medical plan to reach their
personal health and wellness objectives. By establishing a health profile through biometric screenings, you can set health and wellness goals for yourself. This is the first step in managing your health. 

By taking an active role in your wellness and participating in a biometric screening, you and your spouse will receive a $25 bonus.

Administered by Delta Dental

Miller Industries offers dental coverage through Delta Dental. This plan allows you to use in-network or out-of-network benefits. However, you will be responsible for paying the difference between the allowed amount and what the dentist may charge, also known as "balance billing," when you visit an out-of-network provider. To find in-network providers, go to deltadentaltn.com and search the PPO network.

The chart below provides a brief overview of the plan. Refer to the full plan description for detailed coverage information.

Administered by VSP

Miller Industries offers vision coverage through the VSP Advantage Plan. To find in-network providers visit vsp.com and enter your search criteria. The chart below provides a brief overview of the plan. Refer to the full plan description for detailed coverage information.

VSP ProTec safety glasses program will also be offered to employees. You can choose to enroll in the the vision insurance, the vision plus safety glasses, or just safety glasses benefits only. The safety glasses program benefits are payable only when you use VSP network providers and/or their online services.

Administered by Pinnacle

FSAs help you pay for eligible medical, dental, vision, and dependent care out-of-pocket costs by allowing you to set aside pre-tax contributions. Health Care FSA funds are available to use as of April 1st, even money you have not contributed yet. Dependent Care funds are only available as you contribute.

Types of FSA

• A Health Care FSA is for qualifying out-of-pocket medical expenses including co-pays, coinsurance, expenses applied to deductibles, dental, vision, prescriptions, some over-the-counter medications, and menstrual care products.
• A Dependent Care FSA is for pre-tax reimbursement of dependent care expenses while you are away at work, such as childcare for an eligible tax dependent under age 13 or an elderly tax-dependent parent who requires care. Eligible expenses include daycare, preschool, summer day camp, elder care, and in-home aids.

How It Works

• Start by determining the annual election amount. Pre-tax contributions will be made in equal installments from your payroll.
• Pay for eligible medical, dental, vision, over-the-counter medications, and menstrual care products with your Pinnacle | Health & Benefits “smart” debit card. The card knows which account type to pull from first.
• Upload and save receipts to the online portal or mobile app using the camera on your smartphone to use as documentation that your expense is FSA-eligible. Explanations of Benefits (EOBs) make good receipts, as they have all the required information: Patient and provider name, date and service, and amount.
• If you paid with another source, submitting a claim is simple. Use a receipt or EOB to submit a claim via the online portal, mobile app, or U.S. Postal Service.
• Check claims status via the online portal, mobile app, or phone call to the client service center. Use the mobile app’s eligible expense bar code scanner to determine eligible purchases.
• You cannot mix funds from one account to another. You may only use Health Care FSA money for health care expenses and Dependent Care FSA for funds for dependent care (daycare) expenses.
• You can incur expenses only during the plan year you are enrolled.
• You must re-enroll each year if you wish to continue funding the account(s).

Contribution Limits

The Internal Revenue Service (IRS) sets the annual contribution levels for FSAs. You are responsible for monitoring the amounts deposited into your accounts not to exceed the maximum annual limits.

For 2026, the FSA contribution limits are as follows:

• Health Care FSA: $3,400 – unused amounts over $680 at the end of the year will be forfeited
• Dependent Care FSA: $7,500 per household ($3,750 if married, filing separately)

Administered by New York Life

Whether you are disabled and unable to work due to an accident or illness, Miller Industries offers Short and Long-Term Disability benefits options through New York Life. Disability is insurance for your paycheck should you become disabled due to an off-the-job injury or illness. This coverage will provide a percentage of your
salary once you satisfy the waiting period. Refer to the Plan Summaries for details.

Short-Term Disability

For Short-Term Disability (STD) insurance Miller Industries pays the full cost of coverage. After a 7-day waiting period, the benefit would pay 60% of your weekly pre-disability earnings to a maximum of $2,000 per week up to 180 days or until you no longer meet the definition of disability, whichever occurs first.

Long-Term Disability

Miller Industries offers Long-Term Disability (LTD) and pays the full cost of coverage. The benefit would pay 60% of your monthly pre-disability earnings to a maximum of $10,000 per month until you no longer meet the definition of disability or reach the Social Security Normal Retirement Age (SSNRA) after a 180-day waiting period.

Administered by New York Life

Basic Life and AD&D Insurance

Miller Industries provides each employee with Basic Life and Accidental Death & Dismemberment insurance through New York Life and pays for the full cost of coverage. Eligible employees receive
coverage in the amount of two times salary up to $150,000 or $500,000 depending on class. Ensuring your beneficiary information is correct at enrollment and throughout the year is essential. Log in to Infor Self-Service or contact HR to update your information anytime.

We offer this valuable benefit at no cost to you.

Voluntary Life Insurance

Employees may supplement their company-paid Basic Life insurance by purchasing additional coverage through New York Life. In addition, you may purchase coverage for a spouse and child(ren) after electing coverage for yourself. The Guarantee Issue (GI) amount is the highest amount of coverage that you or your dependents may elect without completing an Evidence of Insurability (EOI) form. If you elect an amount above the GI limit or wish to increase your benefit amount at a future date, the coverage amount over the GI level will not go into effect until your EOI has been reviewed and approved and payroll deductions have begun. For full details, refer to the Certificate of Coverage.

You may purchase the following amounts for yourself and your dependents. Refer to Infor Self-Service to calculate your coverage cost.

 Administered by The Standard 

Where most medical plans only pay a portion of the bills, Accident insurance can help pick up where other insurance leaves off. This policy provides a cash benefit to cover expenses if you or a covered dependent experience an eligible event.

Some key benefits include:

• Hospital/ICU admission

• Emergency transportation and care

• Fractures, burns, lacerations, and more

• Accidental death benefit

Administered by The Standard

Critical Illness insurance pays a lump sum cash benefit when you or a covered family member is diagnosed with a serious illness, such as a heart attack, stroke, or major organ failure. You may use this benefit in any way you choose to pay for expenses that are not medical but have occurred due to the diagnosis, such as lost wages, family care, rehabilitation, or transportation. The plan also includes a $25 health screening benefit. Benefits are paid to you regardless of any additional coverage you may have.

 Administered by The Standard 

A diagnosis of cancer can feel overwhelming, and this coverage helps to ease the stress. Treatment covered includes radiation, chemotherapy, anesthesia, and medical imaging. Benefits are paid regardless of any additional coverage you may have. You may elect to use these benefits to pay for expenses that are not medical but have occurred due to the diagnosis. This benefit is also “guaranteed issue” with no evidence of insurability required; however, there are pre-existing condition limitations.

Intensive Care hospitalizations for cancer and for other causes including heart issues, strokes, and accidents are also covered. $100 wellness reimbursement for annual screenings for each family member covered. Screenings covered include pap smear/test, mammogram, PSA test, colonoscopy, blood test for triglycerides, echocardiogram, EKG, lipid panel, and stress test on bike or treadmill.

Administered by Guidance Resources

All eligible employees are automatically provided access to an Employee Assistance Program (EAP)
powered by Guidance Resources at no cost. The program is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns, including:

• Depression, stress, and anxiety

• Relationship difficulties

• Financial and legal advice

• Family issues and parenting

• Child and elder care support

• Dealing with domestic violence

• Substance abuse and recovery

• Work-related issues

• Loss and grief

• Eating disorders

The program includes up to 3 phone or video consultations per household per calendar year with licensed counselors.

Call 800-344-9752 or visit guidanceresources.com for assistance or to learn more about the benefits offered to you. Web ID: NYLGBS

Saving for retirement is an essential piece of your overall financial wellness. Because of this, Miller Industries offers a robust 401(k) retirement plan through Principal, where you can contribute pre-tax or post-tax (Roth) dollars and save for your future. All employees are automatically enrolled at 5% if not specified otherwise. Employees aged 18 and over, employed full-time or part-time for 90 days are eligible to participate starting on the first of the month following your waiting period.

• Miller Industries will match 100% of the first 1% of your contribution and 50% of the next 5% of eligible compensation you contribute.

• You are 100% vested in your contributions and any Miller Industries contributions after two years of service.

• Your 401(k) contributions cannot exceed the IRS annual limit of $24,500.

• If you are 50 or older, you may be eligible to make an additional “catch-up contribution” of up to $8,000 on a pre-tax basis.

• If you are 60 to 63 years old, you may be eligible for “super catch-up contributions” with a limit of $11,250 on a pre-tax basis.

• The plan may accept rollovers from another tax-qualified retirement plan.

• You have a choice as to whether you contribute to the plan on a before-tax or after-tax basis.

If you are uncertain about which investment options to choose, the Principal website offers interactive tools, articles, videos, and more to aid you in making investment decisions. Log on at principal.com.

401(k) Roth Option
Roth contributions have taxes taken out now, while the traditional 401(k) contributions are pre-tax, with taxes taken later at the time that you withdraw funds.