Page 3 - Crosbyton Benefit Guide 1-1-25

Important Information

The intent of our benefit guide is to briefly highlight your benefits and NOT to replace your insurance
contracts or booklets. The information has been compiled into summary form to outline the benefits
offered by our company. If this benefit guide does not address your specific benefit questions,
please refer to the Contact Information page of this booklet. The contact page will provide you
with the information you need to contact the specific insurance carriers and/or Business Office for
additional assistance. The information provided in this summary is for comparative purposes only.
Actual claims paid are subject to the specific terms and conditions of each policy contract. This

benefit guide does not constitute SBC’s, policy or contract. EMPLOYEE NAVIGATOR, our Employee
Benefit Portal includes plan information, summaries, costs, carriers contact information, videos and
more.

Who is Eligible?

If you are a full-time employee, working a minimum of 30 hours per week, you are eligible to enroll in the
benefits described in this guide. New employees are eligible on the first of the month following 60 calendar
days of employment. Family members are eligible for medical, dental, vision (see benefit page for
dependent children age requirements).

When to Enroll?

All employees are required to complete the New Hire online Enrollment
through EMPLOYEE NAVIGATOR at new hire and once a year during the
Annual Open Enrollment. You will be provided an enrollment link through
Employee Navigator, instructions on Pages 28 and 29. Contacts are on
Page 30 Open enrollment for MEDICAL ONLY is in December for January 1,
2025 effective date. Principal Open Enrollment in April 2025

Can I make changes during the plan year?

Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 38 or the Library
section of your Benefit Website.

LAW TO HAVE HEALTH INSURANCE or PAY!

Individuals are still required to have medical unless you have qualified
waivers as mandated by current law. The penalty for not having
coverage ended January 1, 2019.

Please note that ALL Blue Cross Blue Shield of Texas )BCBS) medical plans offered by SkyBlue
Healthcare meets the “minimum value standard” for health coverage according to the Affordable
Care Act (ACA). Pan American meets “minimum essential coverage” according to ACA.

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