Page 2 - 2024 FINAL Citizens Bank Benefit Guide

Our employees are our most

valuable asset.

Citizens Bank of Ada is committed to a comprehensive benefit program that helps our
employees stay healthy and feel secure while maintaining a work/life balance.

Citizens Bank of Ada is pleased to meet your individual needs by offering you medical,
dental, vision, basic life and AD&D, long-term disability and voluntary life and AD&D.
Citizens Bank of Ada’s Blue Cross Blue Shield of Oklahoma (BCBSOK) Medical plan
includes both virtual doctor visits and MDLive 24/7 Telemedicine with $0 Copays. We also
offer an Employee Assistance Program (EAP) for all employees and dependents.

Citizens Bank of Ada pays the majority of the cost of the employee’s medical and 100% of
dental based on your medical election. Our employees also have the option to purchase
dental, vision, and voluntary life coverage for themselves, their spouse, and children with-
out medical. We pay 100% of your long-term disability and basic life and AD&D.

New Hires will have the option of guaranteed issue amounts this year for voluntary
employee life up to $100,000, voluntary spousal life up to $30,000, and voluntary child life
of $10,000. This means NO Health Questions and cannot be turned down. 2024 During
Open Enrollment if you are currently enrolled in Voluntary Life for yourself, you may
increase one increment of $10,000. No increases are allowed for Spouse.

Please retain a copy of this guide in order to review benefits, cost information, and
contact information. This booklet will not serve as an ID card or verification of benefits at a
provider’s office, but provides a basic summary of benefits available to you. For more
information and to review the Glossary of Health Coverage and Medical Terms, log into

our Citizens Bank of Ada benefit website, available 24/7. You can find login instructions on
page 21. For additional contact information, refer to page 22.
www.employeenavigator.com
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