Flintco Benefits Open Enrollment and Life Events

Your benefits are an important part of your overall compensation. Flintco is offering a comprehensive array of valuable benefits to protect your health, your family and your way of life. This site answers some of the basic questions you may have about your benefits, including:

Who is eligible to enroll in Flintco Health Benefits and when? (Elections made during Open Enrollment are effective June 1st to May 31st each year.)

You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include:

• Your spouse
• Your children who are your biological children, stepchildren, adopted children or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage.

Choose Carefully!

Because of IRS Section 125 (Cafeteria Plans) regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a qualified life event during the year. Following are examples of the most common qualified life events:

• Marriage or divorce
• Birth or adoption of a child
• Child reaching the maximum age limit
• Death of a spouse or child
• Change in child custody
• Change in coverage election made during your spouse's Open Enrollment period
• You lose coverage under your spouse's plan

Enrollment Packet for Bi-Weekly Employees

Enrollment Packet for Weekly Employees

Choose the Right Medical Plan for You

The Club Plan and the Spade Plan are traditional PPO (Preferred Provider Organization) plans with co-payments for doctor visits, prescription medications, etc. Each

The Diamond Plan is a High Deductible Health Plan (HDHP) with a Health Savings Account [HSA] feature.

Note: There are no copays (including pharmacy), which means you pay out-of-pocket for all expenses incurred AND there is no access to zero-out-of-pocket under Kempton Premier Providers, until you have met your deductible.

What is the most noticeable difference between a PPO and an HDHP?

You will have a lower monthly premium and will not need to pay a copay when visiting the doctor or hospital. Instead, your claim is processed through the insurance carrier, and you'll receive an Explanation of Benefits (EOB) through the mail, followed by an invoice from your provider. You are responsible for every dollar incurred until you reach your deductible, including pharmacy.

Flintco's High Deductible Health Plan (HDHP) called the "Diamond Plan" is eligible for a Health Savings Account (HSA). HSAs are tax-advantaged savings accounts that accompany High Deductible Health Plans (HDHPs). These plans offer a way to save money and efficiently pay for medical expenses.

How does it work?

First you must enroll in the Diamond Plan and elect the option to have an HSA account. Then, you will be asked by HSA Bank to set up your HSA account through the HSA Bank online portal, where you can see a record of your contributions, spending, etc. Remember, this is a bank account, so you will be required to provide your ID in order set up your HSA account in compliance with The Patriot Act. Once your account has been established, you will receive a debit card to use for your qualified medical expenses.

For more information about the Diamond Plan works with the Health Savings Account (HSA), click the links below.

• Choosing a health plan
• Why contribute to an HSA?
• Welcome to HSA Bank
• How to link your bank account to your HSA
• What to expect next

If you enroll in and contribute to an HSA account, Flintco will automatically contribute up to $520 to your account for plan year 2025-2026.

How much does the IRS allow me to contribute to my HSA?

For 2025, you may contribute up to $4,300 per individual and $8,550 per family to cover qualified health care expenses incurred by you, your spouse and your children up to age 26. If you are age 55 or over, you may contribute an additional $1,000. NOTE - These amounts include any employer contribution. Flintco contributes up to $520 per year, so you must subtract that amount from the maximum and that will be your maximum contribution.

Read More About Choosing A Health Plan.

For complete information read the Benefits Enrollment Guide, Voluntary Benefits Guide, and Open Enrollment Presentation.

Prescription Medication

• RxBenefits is our pharmacy claims administrator for Optum Rx, our pharmacy benefit manager (PBM).
• If you are enrolled in one of our medical plans, then you are automatically covered under the pharmacy plan.

Optum Rx Formulary

Vision Coverage

• Coverage is provided through Vision Services Providers.
• Remember, VSP does not issue ID cards. If you'd like to have a card for your wallet, you can print one at www.vsp.com.

Life, Voluntary Life, Accident, AD&D, STD and LTD

Flintco provides a Life Insurance policy equal to all employees through New York Life. The benefit amount equals one time your annual pay. You may also enroll in voluntary life up to 5 additional times your annual pay, as well as voluntary accident for you and your dependents, and voluntary short term disability. Long term disability is provided by the company for all employees automatically and at no charge to you.

Flintco Company Paid Life, Voluntary Employee Life Insurance, Voluntary Spouse Life Insurance and Child Life Insurance

Voluntary Accidental Death & Dismemberment

Voluntary Short Term Disability

Kempton Premier Providers

This zero-out-of-pocket plan is for certain common procedures like joint surgery/replacement, MRI/CAT scan, gallbladder removal, etc. You must be enrolled in one of the Flintco medical plans to be eligible. And remember, if you are enrolled in the Diamond Plan, you must meet your deductible BEFORE you have access to the zero-out-of-pocket benefit.

Flexible Spending for Health Care and for Dependent Care

The IRS allows you to set aside money on a pre-tax basis to be used for qualified medical expenses or dependent care expenses (child care). This election must be made each year and the election cannot be "continued" or "repeated" from the prior year during Open Enrollment. See the Benefits Enrollment Guide for the maximum amounts allowed under IRS regulations.

Heart Plan Tools, Incentives and Opportunities

Flintco provides a great many Healthy Living tools that can help you improve your health and lower your costs!

• Flintco offers financial incentives to help lower your monthly health care costs, including tobacco cessation and regular physicals.
• Take advantage of Blue Cross Blue Shield's Well on Target resources — go to www.bcbsok.com, and log in to your account then click on Well on Target.
• Or, access from your phone by downloading the BCBS mobile app.
• The HEART Plan is our effort to assist our employees to live healthier lives.
• It is open to all employees, not just those who enroll in Flintco medical plans.

Financial Incentives

• Tobacco-Free * $40 / per month (paid quarterly)
• Annual Physical * $20 / per month (paid quarterly)

For the Tobacco-Free incentive, you must sign the Tobacco-Free Affidavit and return to Jill Lingle.

For the Annual Physical incentive, you must fill out the Annual Physical Form AND provide a note from your physician, a screenshot from your patient portal, or some other confirmation of the date of your exam. Please DO NOT provide any personal health information for this purpose.

* All covered dependents must also meet qualification criteria in order to earn the financial incentives

For employees enrolled in our medical plans, Blue Cross offers a very rich array of health and wellness tools. Click on "Wellness" at the top of your personalized landing page at www.bcbsok.com. Then explore all that the Well On Target program offers, including discounts on gym memberships!