Page 2 - Megatel Homes LLC Benefit Guide UPDATED 2-24-23

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) and will continue to offer four comprehensive medical plans. Our
medical plans offer a variety of Doctor Copays, Deductibles, and Out of Pocket Maximums. (Medical plans come with
Virtual Visits, UHC has an Employee Assistance Program (EAP) and a number of Wellness programs for healthier
lifestyles including UHC’s SimplyEngaged program, where you’re able to earn up to $200 for completing health and
wellness activities (refer to page 12). Megatel Homes contributes Over 78% of Employees Cost and in 2022, we
contribute Over 55% 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 in-
crease 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 offered through United Healthcare too. New Enhanced benefits and now offering Warby Parker
Network with complete set of glasses for $25 Copay.

VOLUNTARY LIFE and AD&D is offered through Mutual of Omaha for employees and dependents. Employees in their
NEW HIRE period have Guaranteed Issue, NO health questions up to $150,000 for employees, $50,000 for Spouses and
$10,000 for Child(ren). Voluntary life insurance includes Accidental Death and Dismemberment (AD&D). Current
employees, If previously enrolled, you can increase your amount by $30,000 up to the GI amount limit of $150,000. If
you did not make a voluntary life election during your new hire enrollment, you will need to fill out an EOI form.
Voluntary life insurance includes Accidental Death and Dismemberment (AD&D).

VOLUNTARY STD and LTD. Mutual of Omaha is Low Cost Guaranteed Issue offering Short Term Disability starting 15th
day with ability to add Long Term Disability starting after 90 days covering 60% of your Income Tax Free! LTD benefit
period up to age 65 of Normal Social Security Retirement Age.

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 more information and to review the Glossary of Health Coverage and Medical Terms, you can log into our Megatel
Homes, LLC Benefit Website 24/7 with your personal ID and your password listed on page 34. For additional contact
numbers and information please refer to page 35.
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