Page 2 - Wesco Benefit Guide Effective 9-1-2020

Our employees are our

most valuable asset.

Wesco Refractories, Inc. 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 changing to United Healthcare (UHC) and will continue to offer two comprehensive medical
plans. Our medical plans offer a variety of Doctor Copays, Deductibles, and Out of Pocket Maximums. (During
the COVID-19 period, ALL Testing and Treatment is covered 100%. Members have NO cost share). Medical
plans come with $0 Cost Virtual Visits, UHC has Employee Assistance Program (EAP) program and a number
of Wellness programs for healthier lifestyles. BOTH Medical plans have $0 Copay for Primary Care Physicians
PCP’s.

DENTAL is changing with Humana . Our Dental plan has changed from a $1,250 annual maximum benefits to
a $1,500 annual maximum benefits, plus 30% coverage after the $1,500 with a lower monthly premium and
reimburses non-network dentists at the highest usual and customary level as well.

VISION is changing to Humana Vision; Plan offers equivalent benefits at a lower premium to you.

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
Wesco Refractories, Inc. Benefit Website 24/7 with your personal ID and your password listed on page 20.
For additional contact numbers and information please refer to page 22.

www.ifcbenefitsolutions.com

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