Your 2025 Benefits Guide

Front Cover	I
Our Core Values CAPLICO	II
Contents	1
Important Benefits Contacts	2
Resources	3
Benefit Basics	5
About Our Benefits	5
Eligibility	5
When Coverage Begins	6
Making Changes to Your Benefit Elections During the Year	6
When Coverage Ends	6
Enrollment	7
Health	8
Medical	8
Medical Plans	8
Centivo PCP Partnership Plan	9
Personify Health (formerly HealthComp)	9
2025 Medical Plans At-a-Glance	10
Prescription Drug Coverage	12
Find Providers in Your Medical Plan Network	13
Garner Top Provider Network/Health Reimbursement Account Program	14
Hinge Health: Virtual Physical Therapy Program	15
Vida Health Diabetes Management	16
Lyra Mental Health Support	16
Health Savings Account	17
Telemedicine Through Teladoc	18
Centivo Virtual Primary Care	19
Text-Based Telemedicine	19
Video or Phone Appointments with Kaiser HMO with HSA (CA, CO, OR, WA)	19
Supplemental Medical	20
Voluntary Hospital Insurance	20
Voluntary Accident Insurance	20
Voluntary Critical ILlness Insurance	20
Dental	21
Vision	22
Financial Protection	23
Flexible Spending Accounts (FSAs)	23
Health Care FSA	23
Limited Purpose FSA	23
Dependent Care FSA	23
Transportation/Commuter Benefit Program	25
Life and AD&D Insurance	25
Basic Life and AD&D Insurance	25
Supplemental Life Insurance	26
Supplemtnal AD&D Insurance	27
Voluntary Long-Term Disability (LTD)	27
Voluntary Benefits	28
Voluntary Short-Term Disability (STD) Insurance	28
Farmers Auto and Home Insurance	28
ARAG Legal Insurance	29
Cyber Security/Identity Theft Protection	29
Pet Insurance	30
	II
Work-Life	31
Employee Assistance Program (EAP)	31
TicketsatWork	31
Tuition Reimbursement Program	32
Purchasing Power	32
Child Care Benefit Program	32
The Emergenvcy Fund	33
Retirement	34
401(k) Savings Plan	34
Innovative Ways to Manage Your Pay	35
DailyPay	35
Wisely	35

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