Consider using Open Enrollment to make changes to your benefits. The 2026 Open Enrollment is a passive enrollment, which means that your current benefit elections will carry over to the 2026 plan year if you do not make any changes during this Open Enrollment period. You will not be able to make any changes to your benefits unless you have a qualifying event throughout the year or until next year’s Open Enrollment. Please review the details on the UHC and Kaiser medical plans offering, and the new UHC supplemental health benefits for 2026.

• Provider Choice: You can see any doctor, specialist, or hospital within the UHC network without needing a referral. This gives you the freedom to choose providers based on your preferences.
• In-Network vs. Out-of-Network: While you can access both in-network and out-of-network providers, staying within the network will results in lower out-of-pocket costs. If you choose an out-of-network provider, you may have to pay a higher share of the costs and submit claims yourself.
• Preventive Care: Preventive services are covered at no cost when you use in-network providers, helping you maintain your health without additional expenses.

For more details, please review the plan’s Summary of Benefits and Coverage available in the “Medical – United Healthcare” folder under 2026 Benefit Documents section.

The Kaiser Platinum 90 HMO medical plan is available to California employees only.

The Kaiser HMO plan offer a structured approach to accessing healthcare, emphasizing coordinated care through a primary care physician (PCP). Here are some key points about care access under our Kaiser HMO plan:

• Primary Care Physician: Your care begins with your chosen PCP, who coordinates all your healthcare needs.
• Specialist Access: For certain specialties, a referral may be required from your PCP.
• In-Network Care: This HMO plan requires you to use a network of providers. If you seek care outside this network (except in emergencies), you may have to pay the full cost.
• Preventive Care: Preventive services, like routine check-ups and vaccinations, are covered at no cost, helping you stay healthy without worrying about high costs.

For more details, please review the plan’s Summary of Benefits and Coverage available in the “Medical – Kaiser” folder under 2026 Benefit Documents section.

MetLife Pet Insurance helps make veterinary care more affordable and less stressful. This new benefit offers flexible coverage options—including pre-existing conditions and preventive care—along with fast claims processing, 24/7 access to a vet chat through the mobile app, and the ability to cover up to three pets. It’s simple to use and designed to support your overall well-being.

To learn more or get a quote, visit metlife.com/getpetquote or call 800-438-6388.

Supplemental health plans pay cash benefits directly to members that help offset expenses not covered by health insurance to maintain life’s needs while recovering:

• Accident Insurance: Benefits paid for covered healthcare services needed from an accident like urgent care, crutches or a wheelchair, and physical therapy.
• Hospital Indemnity: Benefits paid for hospitalizations including baby delivery and planned surgeries
• Critical Illness: Lump sum benefits paid for a covered critical illness diagnosis.

Please note: These benefits are voluntary, and 100% employee paid through United Healthcare. Visit Paylocity/Bswift to review the plan costs. Employees can elect any of these individual plans, for themselves and/or dependents, to pair with your medical plan and offset out-of-pocket expenses like deductible. It doesn’t matter what medical plan you have.

Important: These plans are a supplement to a health insurance and are not a substitute for major medical coverage.

A Qualifying Life Event is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.

There are 4 basic types of qualifying life events. (The following are examples, not a full list.)

Loss of health coverage

• Losing existing health coverage, including job-based, individual, and student plans
• Losing eligibility for Medicare, Medicaid, or CHIP
• Turning 26 and losing coverage through a parent’s plan

Changes in household

• Getting married or divorced
• Having a baby or adopting a child
• Death in the family

Changes in residence

• Moving to a different ZIP code or county
• A student moving to or from the place they attend school
• A seasonal worker moving to or from the place they both live and work
• Moving to or from a shelter or other transitional housing

Other qualifying events

• Changes in your income that affect the coverage you qualify for
• Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
• Becoming a U.S. citizen
• Leaving incarceration (jail or prison)
• AmeriCorps members starting or ending their service