Page 2 - Megatel Homes LLC Benefit Guide 8-1-2025v3

Our employees are our

most valuable asset.

Megatel Homes, LLC is committed to a comprehensive benefit program that helps our employees stay healthy and feel
secure while maintaining a quality work/life balance.

MEDICAL is renewing with United Healthcare (UHC) but changing to Level Funded Option with new plans that mirror that current designs as close
as possible. Our medical plans offer a variety of Doctor Copays, Deductibles, and Out of Pocket Maximums. (Medical plans come with new Virtual
Visits through HealthiestYou. Virtual Visits cover a wide range of services including Mental Health. There is a wide range of Wellness Benefits to
including UHC Rewards, where you’re able to earn up to $1,000 for completing health and wellness activities (refer to page 9). Megatel Homes
contributes Over 74% of Employees Cost and ,we contribute up to 56% for Employees (with Dependents) depending on the plan you choose.

VOLUNTARY DENTAL is renewing with United Healthcare. Both dental plans provide 100% preventative services with annual deductible and
calendar year maximum waived. Both plans include MaxMultipiler benefit, which is a way to increase your annual maximums. The Buy Up Plan
now has “true” Implant coverage. United Healthcare has a much larger Dental PPO network. Buy-Up Dental plan reimbursement is based on usual
and customary level as well.

VOLUNTARY VISION is renewing through United Healthcare too. In addition to major vision providers such as Walmart, Costco, Target, Lens
Crafters you have access to Warby Parker Network with complete set of glasses for only a $25 Copay.

VOLUNTARY LIFE and AD&D is offered through Lincoln Financial for employees and dependents. Employees for 2025 OPEN ENROLLMENT
and NEW HIRE period have Guaranteed Issue, NO health questions up to $150,000 for employees, $50,000 for Spouses and $20,000 for Child
(ren). Voluntary life insurance includes Accidental Death and Dismemberment (AD&D) for employees and spouses. Any amounts you already have
over these amounts will be grandfathered.

VOLUNTARY STD and LTD is with Lincoln Financial that has LOWER COSTS this year for our Short Term Disability starting 15th day WITH No
Health Questions. You also have ability to add Long Term Disability starting after 90 days covering 60% of your Income Tax Free! LTD benefit peri-
od up to age 65 of Normal Social Security Retirement Age.

VOLUNTARY ACCIDENT PLAN Lincoln Financial is a Low Cost comprehensive accident coverage for fractures, burns, lacerations, hospital,
surgical, ER and doctors, accidental death and dismemberment.

NEW CRITICAL ILLNESS through Lincoln Financial has 100% lump sum benefits for Cancer, Stoke, Health Attack, Major Organ Failure & many
other critical illness covered at 100%

Please retain a copy of this benefit guide for a brief review of your employee benefits, helpful information, costs, and necessary contact information.
Our benefit guide will not serve as an ID card or verification of your benefits at a provider’s office, but it can provide assistance if needed.

For online enrollment and to review benefits and additional information including SBC’s see page 45 and page 46. For additional contact numbers
and information please refer to page 47.

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