Page 2 - 2022_FFB Benefits Guide_Recruit

Investing in Our People

Associate wellbeing is critical to our success – supporting associates to be healthy,
happy and prosperous is our goal.

Who Can Enroll?
• Full-Time Associates are regularly scheduled to work at least 30 hours per week and are eligible to participate in the
medical, dental, vision, HSA/FSA, disability, life, retirement plans and all other benefit options.

• Part-Time Associates are regularly scheduled to work 20 or more hours but less than 30 hours per week and eligible to
participate in the medical, dental, vision, HSA/FSA and retirement plans, Employee Assistance Program and have access
to free banking services.

• Limited Associates are regularly scheduled to work less than 20 hours per week and are eligible to participate in the
bank’s retirement savings plans, Employee Assistance Program, and have access to free banking services.

Medical Insurance Anthem
HDHP 1 HDHP 2

In-Network Out-of-Network In-Network Out-of-Network

Individual Deductible $2,800 $5,600 $4,000 $8,000

Family Deductible $5,600 $11,200 $8,000 $16,000
Individual Out-of-Pocket Maximum $3,800 $7,600 $5,000 $10,000

Family Out-of-Pocket Maximum $7,600 $15,200 $10,000 $20,000
Plan pays 50% after Plan pays 50% after
Preventive Care Plan pays 100% Plan pays 100%
deductible is met deductible is met
Plan pays 90% after Plan pays 90% after
Pharmacy 1 Contracted Rate 2 Contracted Rate 2
deductible is met deductible is met
Qualified Generic Preventive Pharmacy Qualified Generic Preventive Pharmacy
covered 100%, no charge to associate covered 100%, no charge to associate

1 As part of the Smart90 Program, maintenance medications must be filled as a 3-month supply and must be filled at a CVS, Walgreens or ESI Home Delivery or members will pay the full cost of the medication
and it will not apply to the deductible or OOP maximum. As part of the Diabetes Care Value Program, diabetes medications must be filled at a Walgreens Pharmacy retail store or through ESI Home Delivery or
members will pay the full cost of the medication and it will not apply to the deductible or OOP maximum.
2 Example: If billed rate is $1,000, contracted rate is $500, associate pays $500.
Additional Employer Wellbeing HSA dollars available upon successful completion of company’s Wellbeing Program.
Spousal/Domestic Partner Carve-Out – excluding coverage for spouses when coverage is available through the spouse’s employer or business.

Monthly Medical Insurance Costs

HDHP 1 HDHP 2 Employer HSA Contributions 3

Associate Only $166.41 $100.22 $500/year
Associate + Child(ren) $337.93 $210.32 $1,000/year

Associate + Spouse $443.75 $298.53 $1,000/year

Associate + Family $646.25 $437.36 $1,000/year
3 These rates are pro-rated per pay.