Page 2 - Megatel Homes LLC Benefit Guide Effective 8-1-2020_Revised 051221

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. (During
the COVID-19 period, ALL Testing and Treatment is covered 100%. Members have NO cost share). Medical
plans come with Virtual Visits, UHC has Employee Assistance Program (EAP) program and a number of Well-
ness programs for healthier lifestyles including UHC’s NEW SimplyEngaged program, where you’re able to
earn up to $200 for completing health and wellness activities (refer to page 11).

DENTAL is renewing with Humana with no cost or benefit changes. Our Buy-Up Dental plan has UNLIMITED
annual maximum benefits and reimburses non-network dentists at the highest usual and customary level as
well. The Base Plan is best when you use in-network providers and has lower cost and benefit levels.

VISION is offered through Superior Vision; renewed with no cost or benefit changes.

VOLUNTARY LIFE and AD&D is offered through Mutual of Omaha for employees and dependents. August 1,
2020 Annual Open Enrollment and NEW HIRE enrollment after August are 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).

VOLUNTARY STD and LTD. NEW this year with 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 31.
For additional contact numbers and information please refer to page 33.
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www.ifcbenefitsolutions.com