2024

Employee Benefits Guide

META
 2 Table of Contents
Marksman Security Corporation is proud to protect our employees’ overall wellbeing with a variety
of benefit options. This guide offers details on our 2024 offerings for you and your family. If you have
questions, contact the B3 Enrollment Center at 833-211-3280.

3 Welcome
4 Eligibility and Enrollment
6 Ready to Enroll?
7 Medical Benefits
15 Virtual Medicine
16 Mental Health
18 Dental Benefits
19 Vision Benefits
20 Supplemental Health Benefits
23 Survivor Benefits
26 Income Protection
27 Additional Benefits
29 Important Contacts
30 Glossary
32 Required Notices

See page 32 for important information

concerning Medicare Part D coverage.

In this Guide, we use the term company to refer to Marksman Security Corporation. This Guide is intended to describe the eligibility requirements, enrollment procedures, and coverage
effective dates for the benefits offered by the company. It is not a legal plan document and does not imply a guarantee of employment or a continuation of benefits. While this Guide is a tool
to answer most of your questions, full details of the plans are contained in the Summary Plan Descriptions (SPDs), which govern each plan’s operation. Whenever an interpretation of a plan
benefit is necessary, the actual plan documents will be used.

2 | Table of Contents
3 Welcome
Marksman Security Corporation appreciates the hard work and dedication you bring to our team every day. You
work hard to protect our clients and we work hard to provide you a comprehensive and valuable benefits package
that protects you and your family's wellbeing.
Marksman Security Corporation strives to provide benefits that:
» Meet your needs
» Are easy to understand and use
» Provide excellent value
This guide is designed to assist you and your family in making the best choices for your needs. It contains
explanations of each benefit, contact information for benefits vendors, and costs you can expect for each benefit.
Please review this guide in its entirety and keep as a resource throughout the year.

Any questions?
We’re here to help. Contact B3 Enrollment Center at 833-211-3280.

WHEN COVERAGE BEGINS

MEDICAL, DENTAL & VISION* 1ST OF THE MONTH FOLLOWING 30 DAYS

VIRTUAL MEDICINE 1ST OF THE MONTH FOLLOWING 30 DAYS

EMPLOYEE ASSISTANCE PROGRAM 1ST OF THE MONTH FOLLOWING 30 DAYS

VOLUNTARY ACCIDENT 1ST OF THE MONTH FOLLOWING 30 DAYS

VOLUNTARY CRITICAL ILLNESS 1ST OF THE MONTH FOLLOWING 30 DAYS

VOLUNTARY HOSPITAL INDEMNITY 1ST OF THE MONTH FOLLOWING 30 DAYS

BASIC LIFE AND AD&D 1ST OF THE MONTH FOLLOWING 1 YEAR

VOLUNTARY GROUP TERM LIFE 1ST OF THE MONTH FOLLOWING 30 DAYS

SHORT TERM DISABILITY 1ST OF THE MONTH FOLLOWING 30 DAYS

401(K) SAVINGS PLAN 1ST OF THE MONTH FOLLOWING 1 YEAR AND 1000 HOURS OF SERVICE.

PET INSURANCE 1ST OF THE MONTH FOLLOWING 30 DAYS

LEGAL PLAN 1ST OF THE MONTH FOLLOWING 30 DAYS

ID THEFT PROTECTION 1ST OF THE MONTH FOLLOWING 30 DAYS

*If your coverage terminates, you may be eligible to continue medical, dental,
and vision coverage under COBRA provisions.

Note: Coverages terminate the last day of the month in which you terminate employment.

Welcome | 3
 4 Eligibility and Enrollment
Marksman Security Corporation’s benefits are designed to support your unique needs.

Eligibility
If you are a full-time employee of Marksman Security
Corporation who is regularly scheduled to work at least
30 hours per week, you are eligible to participate in
medical, dental, vision, life, disability plans, along with
additional benefits.

When Does Coverage Begin?

For Open Enrollment, your elections are effective on
January 1. For New Hires, your elections are effective
the first of the month following 30 days of employment.
Benefits cannot be changed until the next calendar year
enrollment period unless you experience a qualifying
life event.

Eligible Dependents
Dependents eligible for coverage include:
» Your legal spouse.
» Children under the age of 26 (includes birth children,
stepchildren, legally adopted children, children
placed for adoption, foster children, and children for
whom you or your spouse have legal guardianship).
» Dependent children 26 or more years old, unmarried,
and primarily supported by you and incapable of
self-sustaining employment by reason of mental or
physical disability which arose while the child was
covered as a dependent under this plan (periodic
certification may be required).
Any elections you make during your initial enrollment
will remain in place until the next open enrollment period
unless you have a Qualifying Life Event. Payroll deductions
will be taken from each bi-weekly paycheck to cover
your share of the premium for the benefits you elect.
Deductions will begin one month prior to your benefit
effective date.

4 | Eligibility and Enrollment

Now’s the Time to Enroll!
What are Qualifying Life Events?
You can update your benefits when you start a new job or during Open Enrollment each year. But changes in your life
called Qualifying Life Events (QLEs) determined by the IRS can allow you to enroll in health insurance or make changes
outside of these times.

When a Qualifying Life Event occurs, you have 30 days from the event date to request changes to your coverage.
Your change in coverage must be consistent with your change in status.

A change in the number A change in

A change in a spouse’s
of dependents (through employment status
employment status
birth or adoption or if from full time to part
(resulting in a loss or
a child is no longer an time, or part time to full
gain of coverage)
eligible dependent) time, resulting in a gain
or loss of eligibility

Changes that make

you no longer eligible
for Medicaid or the
Entitlement to Medicare
Children’s Health
or Medicaid
Insurance Program
(CHIP)

Death in the family Turning 26 and losing Changes in address or

(leading to change in coverage through a location that may affect
dependents or loss of parent’s plan coverage
coverage)

Eligibility for A change in your legal

coverage through marital status (marriage,
the Marketplace divorce, or legal
(Healthcare.gov) separation)

Reach out to Marksman Security Corporation’s B3 Enrollment Center with questions regarding specific life events
and your ability to request changes. Don’t miss out on a chance to update your benefits!
Eligibility and Enrollment | 5
 6 Ready to Enroll?
Your contributions for medical, dental, and vision benefits are deducted on a pre-tax basis, which
reduces the amount you’re required to pay taxes on. Employee contributions vary depending on the level
of coverage you select — typically, the more coverage you have, the more you’ll pay up-front for it.

Open Enrollment Action Items

Verify your personal

information
Confirm your mailing address and phone
number are correct by logging into
MyADP.com.

Check your networks

The network is the Cigna LocalPlus
network. If you are outside of a LocalPlus
area, you will use the Cigna OAP network.
Receiving care by in-network providers
often saves you money.

Options to Enroll
1. Contact the call center at
833-211-3280
2. Schedule an enrollment
appointment at https://
marksmansecurity.myb3enrollment.
com/enrollment/
3. Self-service Online Enrollment at
https://www.employeenavigator.
com/benefits/Account/
Login (Company Identifier:
MarksmanSecurityCorporation)

Important Reminder:
Enrollment must be completed within 14
days of your date of hire.

6 | Ready to Enroll?
 7 Medical Benefits
Major medical benefits are provided through Cigna and limited medical benefits are provided through
Hooray Health. Consider the physician networks, premiums, and out-of-pocket costs for each plan when
making a selection. Keep in mind your choice is effective for the entire 2024 plan year unless you have a
qualifying life event.

Medical Premiums
Premium contributions for medical are deducted from your paycheck on a pre-tax basis. Your level of coverage determines
your bi-weekly contributions. The MEC Plan is not a qualified health plan and does not provide the same or similar
coverage as the Cigna PPO options.

MEC THROUGH
MAJOR MEDICAL PLANS THROUGH CIGNA HOORAY HEALTH
PLAN A PLAN B PLAN C PLAN D MINIMUM ESSENTIAL COVERAGE

EMPLOYEE ONLY $44.89 $106.76 $130.63 $163.53 $48.90

EMPLOYEE + SPOUSE $289.13 $419.36 $469.47 $538.57 $70.68

EMPLOYEE + CHILD(REN) $244.71 $362.52 $407.87 $470.38 $73.07

EMPLOYEE + FAMILY $488.94 $675.12 $746.72 $845.43 $92.77

How to Find a Provider

For Cigna Providers Note
Prior to being enrolled in Cigna, visit Cigna.com or call To get the most value out of your
800-Cigna24. You will have to select either the LocalPlus
medical plan, be sure to visit in-network
or OAP as applicable to your address of residence. See
page 9 for details. providers whenever possible.
Once you are a Cigna-enrolled member, Visit
www.mycigna.com or call Cigna member services
24/7 at 1-800-422-6224 for a list of Cigna
network providers.

For Hooray Health Providers

Visit https://myhoorayhealth.com/providers/ or
call 1-866-746-6729 for a list of Hooray Health
network providers.

Medical Benefits | 7
Medical Plan Summary
This chart summarizes the 2024 medical coverage provided by Cigna and limited medical by Hooray Health. All covered
services are subject to medical necessity as determined by the plan. Please note that all out-of-network services are
subject to Reasonable and Customary (R&C) limitations.

MEC THROUGH
MAJOR MEDICAL PLANS THROUGH CIGNA HOORAY HEALTH
PLAN A PLAN B PLAN C PLAN D
MINIMUM ESSENTIAL
OUT-OF- OUT-OF- OUT-OF- OUT-OF- COVERAGE (MEC)
IN-NETWORK IN-NETWORK IN-NETWORK IN-NETWORK
NETWORK NETWORK NETWORK NETWORK

CALENDAR YEAR DEDUCTIBLE

INDIVIDUAL $7,000 $10,000 $3,000 $10,000 $2,500 $7,500 $0 $500 N/A

FAMILY $14,000 $20,000 $6,000 $20,000 $5,000 $15,000 $0 $2,000 N/A

COINSURANCE
70% 50% 70% 50% 80% 50% 100% 50% N/A
(PLAN PAYS)
CALENDAR YEAR OUT-OF-POCKET MAXIMUM (MAXIMUM INCLUDES DEDUCTIBLE)
INDIVIDUAL $7,500 $40,000 $7,900 $40,000 $6,500 $19,500 $6,500 $40,000 N/A

FAMILY $15,000 $80,000 $15,800 $80,000 $13,000 $39,000 $13,000 $80,000 N/A

COPAYS/COINSURANCE
PREVENTIVE Covered 100%
No charge 50%* No charge 50%* No charge 50%* No charge 50%*
CARE First Health Network Only

TELEHEALTH/
30%* N/A $0 N/A $0 N/A $0 N/A $0
VIRTUAL CARE
$75 Reimbursement
PRIMARY CARE 30%* 50%* $30 50%* $20 50%* $30 50%* Discounted Charges in First
Health Network Only
SPECIALIST
30%* 50%* $55 50%* $35 50%* $100 50%* Not Covered
SERVICES
$25 Copay (Hooray Health
Network Only) /
URGENT CARE 30%* 50%* $100 50%* $75 50%* $125 50%*
$175 Reimbursement (Discount
in First Health Network Only)
EMERGENCY $5,000
30%* $750 $150 $600
ROOM reimbursement per accident

HOSPITAL $100 reimbursement per day

30%* 50%* 30%* 50%* 20%* 50%* $1,500 50%*
SERVICES (1 admit benefit per year)

RETAIL PRESCRIPTION DRUG COVERAGE (30-DAY SUPPLY)

GENERIC 30%* 50%* $15 30%* $10 30%* $10 30%*
PREFERRED 37 Acute Drugs
30%* 50%* $30 30%* $30 30%* $40 30%*
BRAND covered at $0 copay;
200 Chronic Drugs covered at
NON- $5 copay;
PREFERRED 30%* 50%* $50 30%* $50 30%* $70 30%* Discounts available for
BRAND additional drugs not covered

SPECIALTY RX 30%* 50%* 25% 30%* 25% 30%* 25% 30%*

*After deductible

Cigna Enrollees: Hooray Health Enrollees:

The Cigna medical plan utilizes the LocalPlus network Hooray Health members must access the Hooray Health
or providers. If you reside in a LocalPlus service area, network of retail clinics and Urgent Care providers to
the LocalPlus network applies to you. See the next page receive $25 copay benefits outlined above. To receive
for further details on LocalPlus. If you reside in an area discounted charges when seeing PCPs outside of Hooray
without the Cigna LocalPlus network, your network will be Health, use the First Health Network of providers.
the Cigna OAP network.

8 | Medical Benefits
Cigna’s LocalPlus Network Overview
For those residing in a LocalPlus area:
When in your local area, or when in any LocalPlus Network area, you must receive care from a healthcare professional
or facility in this network to receive in-network coverage.
If you’re temporarily away from your local area or another LocalPlus Network area, you have extra peace of mind knowing
you can access in-network providers or hospitals through our nationwide Away From Home Care feature.
If you choose to go to a provider outside the LocalPlus Network when one is available (or outside the Away From Home
Care feature when LocalPlus isn’t available), you will receive out-of-network coverage. Your share of the costs may be
higher than what you would pay for in-network care.

You will be automatically assigned to the Cigna LocalPlus network based on your home zip code.
Employees not residing in a LocalPlus service area will access the Cigna OAP network.

Cigna LocalPlus is available in these areas:

Arizona Illinois Nevada Texas

Phoenix, Tucson Chicago/NW Indiana Las Vegas, Reno Austin, Dallas/Ft. Worth,
Houston, San Antonio
California Kansas Oregon
Northern, Southern Wichita Statewide Utah
(excl. Malheur County) Salt Lake City
Colorado Maryland
Front Range, Statewide
Mountain & West
Rhode Island Washington
Statewide Statewide
Massachusetts
Statewide (excl. Dukes and
Florida
Orlando, South FL & Tampa
Nantucket Counties) South Carolina
Greenville/Spartanburg

Missouri
Georgia
Athens, Atlanta, Augusta,
Kansas City Tennessee
St. Louis Statewide
Columbus, Macon, NE & NW
GA, Savannah

Medical Benefits | 9
 10 How to Pick a Plan
What plan is right for you? Consider any medical needs you foresee for the upcoming plan year, your
overall health, and any medications you currently take.

How does a PPO (Preferred Provider How does the MEC (Minimal Essential
Organization) work? (Plans B, C, & D) Coverage) plan work?
» You’ll pay more in premiums, but perhaps less at the » Most MEC plans cover 100% of the cost of certain
time of service. preventive services, when delivered by a network
» You can choose from a network of providers who provider.
offer a fixed copay for services. » MEC plans cover the costs of certain medical
» If you or your dependent(s) expect to need more expenses incurred due to an accident or sickness at
medical care this year or you have a chronic illness, a specified benefit amount for a limited number of
the PPO may be the right choice for you to ensure days per year.
your healthcare needs are covered. » The MEC Plan is not a qualified health plan and does
not provide the same or similar coverage as the
How does a CDHP (Consumer Driven Cigna PPO options.

Health Plan) work? (Plan A)

» You’ll pay less in premiums. (Think less money from
How does the LocalPlus network
your paycheck.) plan work?
» You’ll pay for the full cost of non-preventive medical » Coverage is limited to the select network of
services until you reach your deductible. healthcare providers.

» If you expect to mostly use preventive care (which is » Out-of-pocket costs are lower when you stay in the
covered), this plan could be for you. network. If you choose an out-of-network provider,
you’ll pay significantly more.
» Staying in one health system can lead to coordinated
care between your doctors.
» Referrals are not required.

10 | How to Pick a Plan

 11 Out-of-Pocket Costs
These are the types of payments you’re responsible for:

Copay
The fixed amount you pay for healthcare services at the time you receive them.

Coinsurance
Your percentage of the cost of a covered service. If your office visit is $100 and your
coinsurance is 20% (and you’ve met your deductible but not your out-of-pocket
maximum), your payment would be $20.

Deductible
The amount you must pay for covered services before your insurance begins paying
its portion/coinsurance.

Out-of-Pocket Maximum
The most you will pay during the plan year before your insurance begins to pay
100% of the allowed amount.

Out-of-Pocket Costs | 11
 12 Preventive Care
Routine checkups and screenings are considered preventive, so they’re often paid at 100% by your
insurance. Both the Cigna and Hooray Health plans cover preventive care at 100% for in-network
services. Some common covered services include:

Wellness visits, physicals, and standard immunizations

Screenings for blood pressure, cancer, cholesterol, depression,

obesity, and diabetes

Pediatric screenings for hearing, vision, obesity, and

developmental disorders

Anemia screenings, breastfeeding support, and pumps for

pregnant and nursing women

Iron supplements (for infants at risk for anemia)

It’s important to take advantage of these covered services.

If you are enrolled in any of the Cigna But remember that diagnostic care to identify health risks
voluntary benefits (Accident, Critical Illness, is covered according to plan benefits, even if done during
a preventive care visit. So, if your doctor finds a new
and/or Hospital Indemnity), you will get a condition or potential risk during your appointment, the
$50 reimbursement from any of the plans services may be billed as diagnostic medicine and result in
you are enrolled in for getting a preventive some out-of-pocket costs. Read over your benefit
summary to see what specific preventive services are
care screening. provided to you.

What vaccines are covered 100%

under preventive care?
Many vaccines are covered under preventive care when
delivered by a doctor or provider in your plan’s network.
These include chickenpox, flu, shingles and tetanus. For a
full list, visit www.healthcare.gov/preventive-care-adults/.

12 | Preventive Care
 13 Where to Go for Care
You’re feeling sick, but your primary care physician is booked through the end of the month. You have a
question about the side effects of a new prescription, but the pharmacy is closed. Or you’re on vacation
and are under the weather. Instead of rushing to the emergency room or relying on questionable
information from the internet, consider all of your site-of-care options.

Health Information Line (thru Cigna)

When to Use Types of Care* Costs and Time
You need a quick answer to Answers to questions regarding: Considerations**
a health issue that does not » Symptoms » Usually available 24 hours
require immediate medical a day, 7 days a week
» Self-care/home treatments
treatment or a physician visit.
» Typically free as part of
» Medications and side
your medical insurance
effects
» When to seek care

Telemedicine ($)
When to Use Types of Care*
You need care for minor illnesses and ailments but » Cold & flu symptoms
would prefer not to leave home. These services » Bronchitis
are available by phone and online (via webcam).
» Urinary tract infection
» Sinus problems

Costs and Time Considerations**

» Usually a first-time consultation fee and a flat fee or copay for any visit thereafter
» Typically immediate access to care
» Prescriptions through telemedicine or virtual visits not allowed in all states

Primary Care Center ($)

When to Use Types of Care* Costs and Time
You need routine care or » Routine checkups Considerations**
treatment for a current health » Immunizations » Often requires a copay
issue. Your primary doctor and/or coinsurance
knows you and your health » Preventive services
» Normally requires an
history, can access your medical » Managing your general
appointment
records, provide routine care, health
and manage your medications. » Short wait time with
scheduled appointment

*This is a sample list of services and may not be all inclusive.

**Costs and time information represent averages only and are not tied to a specific condition or treatment.
Where to Go for Care | 13
 Urgent Care Center ($$)
When to Use Types of Care* Costs and Time
You need care quickly, but it is »Strains, sprains Considerations**
not a true emergency. Urgent »Minor broken bones (e.g., finger) »Copay and/or coinsurance
care centers offer treatment for usually higher than an office
»Minor infections
non‑life‑threatening injuries or visit
»Minor burns
illnesses. »Walk-in patients welcome, but
urgency determines order
seen and wait time

Emergency Room ($$$)

When to Use Types of Care*
You need immediate treatment for a serious » Heavy bleeding
life-threatening condition. If a situation seems » Chest pain
life threatening, call 911 or your local emergency
number right away. » Major burns
» Severe head injury

Costs and Time Considerations**

» Often requires a much higher copay and/or coinsurance
» Open 24/7, but waiting periods may be longer because patients with life-threatening emergencies
will be treated first
» Ambulance charges, if applicable, will be separate and may not be in-network

*This is a sample list of services and may not be all inclusive.

**Costs and time information represent averages only and are not tied to a specific condition or treatment.

Do Your Homework
What may seem like an urgent care center might actually be a standalone ER. These facilities
come with a higher price tag, or may not be covered if not a true emergency. So ask for
clarification if the word “emergency” appears in the company name.

14 | Where to Go for Care

 15 Virtual Medicine
When you’re under the weather, there’s no place like home, and if you’re busy with work and family,
scheduling an in-person doctor’s appointment can be a pain. Virtual medicine is a convenient and easy
way to connect with a doctor on your time.
Virtual medicine services are automatically included if you elect the Cigna medical plans or the Hooray
Health MEC plan. If you do not elect to participate in one of the Cigna medical plans or the Hooray
Health plan, you may want to consider electing access to virtual medicine services through Teladoc
HealthiestYou.

Marksman Security Corporation provides a virtual HealthiestYou doctors can treat many medical
medicine benefit through HealthiestYou for you and conditions, including:
your dependents. HealthiestYou offers on-demand
» Cold & flu » Respiratory infection
access to board-certified doctors through online video,
telephone, or secure email. General health issues can be » Allergies » Pink eye
addressed at home for a copay of $0 copay in most » Bronchitis » Sore throat
cases per consultation.
» Bladder infection/ » Stomachache
HealthiestYou doctors can share information with your urinary tract infection » Sinus problems
primary care physician with your consent. Please note
that some states do not allow physicians to prescribe
medications via telemedicine. For more information, visit Access Virtual Visits
www.healthiestyou.com. Visit www.healthiestyou.com to request a virtual visit.
After you register and request an appointment, you’ll
pay your portion of the service costs and enter a virtual
waiting room. During your visit, you can talk to a
doctor about your health concerns, symptoms, and
treatment options.

TELADOC HEALTHIESTYOU
VIRTUAL SERVICES PER PAY COST
EMPLOYEE + DEPENDENTS $6.00

Note
If enrolled in a Cigna or Hooray Health
medical plan, you do not need to enroll
in Teladoc HealthiestYou. Your medical
plan includes virtual services already.
Under the Cigna plan A, virtual services
are subject to the deductible and
coinsurance expenses. Under Cigna
plans B, C, and D, and Hooray Health,
virtual services are covered at $0 copay.

Virtual Medicine | 15
 16 Mental Health
You visit your doctor when you’re feeling sick, and you exercise and eat healthy to keep your body
strong. But your mental health is just as important. What do you do to stay healthy mentally? Do you
know where you can go when you need help? Whether you need assistance with work-life balance or
anxiety, there are resources available to help you out.

Employee Assistance Program An important aspect of your overall wellbeing is emotional

wellness — the ability to successfully adapt to changes
We’re here for you when you need help. Our Employee
and challenges as they arrive and handle life’s stresses.
Assistance Program (EAP) helps you and your family
These five actions have been shown to improve
manage your total health, including mental, emotional,
emotional wellness.
and physical. And there’s no cost to you — whether or not
you’re enrolled in a company-sponsored medical plan.
Through the EAP, you have access to mental health
assistance and legal and financial help from professionals.
You also have 24-hour access to helpful resources by
phone and up to five face-to-face visits per issue with a
licensed professional. All services provided are confidential
The Big Five of
and will not be shared with Marksman Security Emotional Wellness
Corporation. You may access information, benefits,
educational materials, and more by phone at
888-628-4824 or online at GuidanceResources.com. Practice mindfulness.
Practice deep breathing, take a walk,
The Program provides referrals to help with:
enjoy nature, and stay present in each
» Emotional health and wellbeing moment.
» Alcohol or drug dependency
» Marriage or family problems
» Job pressures Strengthen social connections.
Reach out to a friend or family member
» Stress, anxiety, depression
daily — even if it’s just a call or text.
» Grief and loss
» Financial or legal advice

Mental Health and Your Get quality sleep.

Keep a consistent sleep schedule and
Medical Plan limit electronic use before bed.
When your covered EAP services run out, the Cigna
medical plans cover behavioral and mental health services.
Cigna coverage includes virtual therapy. Via video or
telephone, you can receive confidential 1-on-1 counseling
Improve your outlook.
from the privacy and convenience of your home. Your
Treat people with kindness, including
licensed virtual therapist may provide a diagnosis,
yourself.
treatment, and medication if needed. You can see the same
therapist with each appointment and establish an ongoing
relationship. See plan documents for specifics on coverage
for inpatient and outpatient services. Your Cigna health Deal with your stress in
plan coverage also includes the Talkspace app for an online healthy ways.
option for behavioral health therapy. This tool provides Think positively, exercise regularly, and
access to providers for virtual visits through text or video. set priorities.

16 | Mental Health
Other Mental Health Resources
No matter your problem, whether you’re a manager or entry-level employee, don’t be afraid to ask for help. There are
resources available 24/7.

988 Suicide & Crisis Lifeline

Dial 988 to be connected with 24/7/365 emotional support.
Free, confidential crisis counseling, including appropriate follow-up services, is available no
matter where you live in the United States.

Crisis Text Line

Text “HELLO” to 741741
Send a text 24/7 to the Crisis Text Line to speak with a crisis counselor who can provide
support and information. Standard text messaging rates may apply.

War Vet Call Center

Veterans and their families call 877-WAR-VETS (877-927-8387) to talk about their military
experience and/or readjustment to civilian life.

Call 911 if you or someone you know is in immediate danger or go to the nearest emergency room.

Note
According to the Centers for Disease
Control, nearly 22% of adults received
help for mental health in 2021.

Mental Health | 17
 18 Dental Benefits
Like brushing and flossing, visiting your dentist is an essential part of your oral health. Marksman
Security Corporation offers affordable plan options from Cigna for routine care and beyond.

Stay In-Network Dental Premiums

If your dentist doesn’t participate in your plan’s network, Dental premium contributions are deducted from your
your out-of-pocket costs will be higher, and you are subject paycheck on a pre-tax basis. Your tier of coverage
to any charges beyond the Reasonable and Customary determines your bi-weekly premium.
(R&C). To find a network dentist, visit Cigna at
www.mycigna.com.
Dental Plan Summary
This chart summarizes the dental coverage provided by
Cigna for 2024.

LOW PPO HIGH PPO DHMO

BI-WEEKLY CONTRIBUTIONS
EMPLOYEE ONLY $9.17 $15.00 $5.66
EMPLOYEE + SPOUSE $17.82 $30.37 $10.20
EMPLOYEE + CHILD(REN) $23.04 $37.72 $13.99

EMPLOYEE + FAMILY $34.41 $59.15 $20.31

DEDUCTIBLE
INDIVIDUAL $0 $0 IN-NETWORK ONLY

FAMILY $0 $0

DEDUCTIBLE WAIVED FOR CLASS I Yes Yes

COVERED SERVICES Various Copay Examples

IN-NETWORK / IN-NETWORK / Cleanings: $0
OUT-OF-NETWORK OUT-OF-NETWORK Root Canal: $210
Crown: $400 to $460
CLASS I SERVICES 100%/100% 100%/100%

CLASS II SERVICES 80%/50% 90%/80%

CLASS III SERVICES 50%/25% 60%/50%

ANNUAL DENTAL MAXIMUM BENEFIT

PER PERSON $1,000 $1,500 None

ORTHODONTIA
ORTHODONTIA 50% 50%
Child: $2,040
ORTHODONTIA COVERAGE Child Only Child Only
Adult: $2,376
ORTHODONTIA LIFETIME MAXIMUM $1,000 $1,000

Note
In addition to keeping your teeth healthy, regular dental checkups can help dentists spot
symptoms of other serious conditions such as osteoporosis, cancer, and diabetes.

18 | Dental Benefits
 19 Vision Benefits
Getting your eyes checked regularly is important even if you don’t wear glasses or contacts. You may
elect quality vision care for you and your family through Cigna.

Vision Premiums Vision Plan Summary

Vision premium contributions are deducted from your This chart summarizes the vision coverage provided by
paycheck on a pre-tax basis. Your tier of coverage Cigna for 2024.
determines your bi-weekly premium.

CIGNA
BI-WEEKLY CONTRIBUTIONS
EMPLOYEE ONLY $2.55

EMPLOYEE + SPOUSE $5.09

EMPLOYEE + CHILD(REN) $5.14

EMPLOYEE + FAMILY $8.21

IN-NETWORK OUT-OF-NETWORK

EXAMS
BENEFIT 10 copay $45 allowance

FREQUENCY 12 months

LENSES
SINGLE $10 $32 allowance

BIFOCAL $10 $55 allowance

TRIFOCAL $10 $65 allowance

FREQUENCY 12 months

FRAMES
BENEFIT $150 allowance $83 allowance

DISCOUNT ON OVERAGE 20% N/A

FREQUENCY 24 months

CONTACTS LENSES
ELECTIVE
COPAY $130 allowance $115 allowance

EXAM FEE Applied to allowance Applied to allowance

MEDICALLY NECESSARY
COPAY Covered in Full $250 allowance

EXAM FEE Covered in Full Applied to allowance

FREQUENCY 12 months

Vision Benefits | 19
 20 Supplemental Health Benefits
Marksman Security Corporation offers several ways to supplement your medical plan coverage. This
additional insurance can help cover unexpected expenses, regardless of any benefit you may receive
from your medical plan. Coverage is available for you and your dependents and offered at discounted
group rates.

Accident Coverage ACCIDENT COVERAGE

You can’t always prevent accidents, but you can be REIMBURSEMENT AMOUNTS
prepared for them, including readying for any unexpected
FRACTURES Up to $10,000
expenses. Accident coverage through Cigna provides
DISLOCATIONS Up to $8,000
benefits for you and your covered family member for
expenses related to an accidental injury that occurs EMERGENCY CARE $250

outside of work. Health insurance helps with medical NON-EMERGENCY INITIAL CARE $250
expenses, but this coverage is an additional layer of MEDICAL TESTING BENEFIT $90
protection that can help pay deductibles, copays, and even
PHYSICIAN FOLLOW-UP VISIT $100
typical day-to-day expenses such as a mortgage or car
payment. Benefits are payable to you to use as you wish. THERAPY SERVICES $60

HOSPITAL ADMISSION $1,750

HOSPITAL CONFINEMENT $275 per day, up to 365 days

INTENSIVE CARE UNIT
$450 per day, up to 365 days
CONFINEMENT
BURNS (2ND AND 3RD DEGREE) Up to $20,000

CONCUSSION $400

COMA $18,500
RUPTURED DISC (WITH
$900
SURGERY)
LACERATION Up to $750
TENDON/LIGAMENT/ROTATOR
$600
CUFF REPAIR (WITH SURGERY)
AMBULANCE $400

PROSTHETIC DEVICE $1,250

MEDICAL APPLIANCE $275

BLOOD BENEFIT $625

ANNUAL WELLNESS BENEFIT $50

*This list is a summary. Refer to plan documents for
a comprehensive list of covered benefits.

BI-WEEKLY CONTRIBUTIONS
EMPLOYEE ONLY $3.08

EMPLOYEE + SPOUSE $6.35

EMPLOYEE + CHILD(REN) $6.74

EMPLOYEE + FAMILY $10.01

20 | Supplemental Health Benefits

Critical Illness Coverage SUMMARY OF BENEFITS*
Critical Illness coverage through Cigna pays a lump-sum CRITICAL ILLNESS % OF LUMP SUM BENEFIT

benefit if you are diagnosed with a covered disease or ADVANCED ALZHEIMER'S

100%
condition. You can use this money however you like. DISEASE
Examples include helping pay for expenses not covered ADVANCED PARKINSON'S
100%
DISEASE
by your medical plan, lost wages, childcare, travel,
home healthcare costs, or any of your regular BENIGN BRAIN TUMOR 100%

household expenses. CANCER (INVASIVE) 100%

CANCER (NON-INVASIVE) 25%

Plan Highlights
CEREBRAL PALSY 100%
» Guaranteed Issue Coverage (no medical questions)
COMA 25%
– Employee: $10,000, $20,000, or $30,000
COMPLETE BLINDNESS 100%
– Spouse: $5,000, $10,000, or $15,000 COMPLETE LOSS OF HEARING 100%

– Child(ren): 50% of Employee Amount CORONARY ARTERY DISEASE 25%

» Pre-Existing Conditions: This plan does NOT have a CYSTIC FIBROSIS 100%

pre-existing condition exclusion; however, your date END STAGE RENAL FAILURE 100%
of diagnosis must be on or after the effective date of HEART ATTACK 100%
your policy for benefits to be paid.
LOU GEHRIG'S DISEASE/ALS 100%
» Wellness Benefit: A $50 wellness benefit is payable
MAJOR ORGAN FAILURE 100%
for each covered member for completing certain
MUSCULAR DYSTROPHY 100%
wellness screenings such as a pap test, cholesterol
test, mammogram, colonoscopy, or stress test. PERMANENT PARALYSIS 100%

SKIN CANCER $250 1x per lifetime

*This is a summary. Refer to plan document for details.

BI-WEEKLY RATES FOR EMPLOYEE COVERAGE

(INCLUDES CHILD COVERAGE TO AGE 26)
ATTAINED AGE $10,000 $20,000 $30,000

UNDER 30 $2.04 $4.08 $6.12

30 - 39 $3.34 $6.67 $10.01

40 - 49 $4.94 $9.89 $14.83

50 - 59 $5.22 $10.44 $15.66

60 - 69 $8.28 $16.56 $24.38

70 + $15.06 $30.13 $45.19

BI-WEEKLY RATES FOR SPOUSE COVERAGE

(SPOUSE RATE BASED ON EMPLOYEE AGE)
ATTAINED AGE $10,000 $20,000 $30,000

UNDER 30 $1.02 $2.04 $3.06

30 - 39 $1.67 $3.34 $5.01

40 - 49 $2.47 $4.94 $7.42

50 - 59 $2.61 $5.22 $7.83

60 - 69 $4.14 $8.28 $12.42

70 + $7.53 $15.06 $22.60

Supplemental Health Benefits | 21

Hospital Care Coverage BENEFIT REIMBURSEMENT
Hospital Care coverage through Cigna pays you cash INITIAL CONFINEMENT BENEFIT FOR
$1,000
benefits directly if you are admitted to the hospital or an HOSPITAL OR CRITICAL CARE UNIT
Intensive Care Unit (ICU) for a covered stay. You can use DAILY BENEFIT FOR HOSPITAL CARE $100
the benefits to help pay for your medical expenses such as DAILY BENEFIT FOR CRITICAL CARE $200
deductibles and copays, travel cost, food and lodging, or
everyday expenses such as groceries and utilities.
BI-WEEKLY CONTRIBUTIONS
Plan Highlights EMPLOYEE ONLY $4.39
» Guaranteed Issue Coverage (no medical questions)
EMPLOYEE + SPOUSE $9.34
» Pre-Existing Conditions: This plan does NOT have
EMPLOYEE + CHILD(REN) $6.07
a pre-existing condition exclusion. Benefits are
payable for hospitalizations that occur on or after EMPLOYEE + FAMILY $11.02
the effective date of your policy.

22 | Supplemental Health Benefits

 23 Survivor Benefits
It’s hard to think about, but it’s important to have a plan in place to provide for your family if something
were to happen to you. Survivor benefits provide financial protection for your loved ones in the event of
an unexpected event.

Basic Life and Accidental Death & Naming a Beneficiary

Dismemberment Insurance Your beneficiary is the person you designate to receive
Marksman Security Corporation provides employees with your Life insurance benefits in the event of your death.
Basic Life and Accidental Death and Dismemberment This includes any benefits payable under Basic Life. You
(AD&D) insurance as part of your basic coverage through receive the benefit payment for a dependent’s death under
Lincoln Financial. You will automatically receive this the Lincoln Financial insurance.
coverage after one year of employment at no cost to you. Name a primary and contingent beneficiary to make
Your Basic Life and AD&D insurance benefit is $10,000 your intentions clear. Indicate their full name, address,
after one year of service. Social Security number, relationship, date of birth, and
distribution percentage. Please note that in most states,
benefit payments cannot be made to a minor. If you elect
to designate a minor as beneficiary, all proceeds may be
held under the beneficiary’s name and will earn interest
until the minor reaches age 18. Contact B3 Enrollment
Center or your own legal counsel with any questions.

Survivor Benefits | 23
Voluntary Life and AD&D Insurance
You may wish for extra coverage for more peace of mind. Eligible employees may purchase additional Voluntary Life.
Premiums are paid through payroll deductions.

BASIC EMPLOYEE LIFE/AD&D

COVERAGE AMOUNT $10,000

WHO PAYS Marksman Security Corporation

EVIDENCE OF INSURABILITY (EOI) REQUIRED No

VOLUNTARY EMPLOYEE LIFE

COVERAGE AMOUNT $10,000 increments

WHO PAYS Employee

MAXIMUM BENEFIT Lesser of 5X Earnings or $500,000

EVIDENCE OF INSURABILITY (EOI) REQUIRED Any initial election above $200,000, or any increase after initial enrollment.

VOLUNTARY SPOUSE LIFE

COVERAGE AMOUNT $5,000 increments

WHO PAYS Employee

MAXIMUM BENEFIT Lesser of Employee election amount or $250,000

EVIDENCE OF INSURABILITY (EOI) REQUIRED Any initial election above $50,000, or any increase after initial enrollment.

VOLUNTARY CHILD LIFE

COVERAGE AMOUNT $2,000 increments

WHO PAYS Employee

MAXIMUM BENEFIT $10,000

EVIDENCE OF INSURABILITY (EOI) REQUIRED N/A

To cover a spouse or child(ren) for voluntary life, you must elect coverage. You are always the beneficiary for
spouse/child life.

24 | Survivor Benefits
 VOLUNTARY LIFE INSURANCE
RATES/$1,000 (BI-WEEKLY)

SPOUSE
AGE AGE
EMPLOYEE (BASED ON
(AS OF JANUARY 1, 2024) (AS OF JANUARY 1, 2024)
EMPLOYEE AGE)

<30 $0.049 <30 $0.049

30-34 $0.052 30-34 $0.052

35-39 $0.069 35-39 $0.069

40-44 $0.105 40-44 $0.105

45-49 $0.168 45-49 $0.168

50-54 $0.251 50-54 $0.251

55-59 $0.418 55-59 $0.418

60-64 $0.689 60-64 $0.689

65-69 $1.064 65-69 $1.064

70+ $2.176 70+ $2.176

VOLUNTARY CHILD LIFE INSURANCE

PREMIUM RATES – $1,000

Bi-weekly 0.081

TO CALCULATE HOW MUCH YOUR VOLUNTARY LIFE COVERAGE WILL COST:

$ ÷ 1,000 = $ x Age Based Rate = $

Benefit Elected Bi-weekly Premium

During your initial Enrollment period, you will be able to elect the Voluntary Life coverage up to the guaranteed issue
amount without Evidence of Insurability. This is a one-time opportunity offering. Moving forward in future open
enrollments, Evidence of Insurability will be required.

Survivor Benefits | 25
 26 Income Protection
You and your loved ones depend on your regular income. That’s why Marksman Security Corporation
offers disability coverage to protect you financially in the event you cannot work as a result of a
debilitating non-work related injury or illness.

Voluntary Short Term Disability VOLUNTARY STD

(STD) Insurance
AGE (AS OF JANUARY 1, 2024)
Short Term Disability (STD) benefits are available for
purchase on a voluntary basis. This insurance replaces 60% AGE RANGE BI-WEEKLY RATE PER $10 BENEFIT

of your income if you become partially or totally disabled

<30 $0.367
for a short time. Certain exclusions, along with pre-existing
condition limitations, may apply. See your plan documents 30-34 $0.330
or contact the B3 Enrollment Center for details.
35-39 $0.330

SHORT TERM DISABILITY 40-44 $0.231

45-49 $0.231
WEEKLY BENEFIT 60% of Income
50-54 $0.344
WEEKLY MAXIMUM
$1,000
BENEFIT 55-59 $0.344

ELIMINATION PERIOD 14 days 60-64 $0.509

MAXIMUM BENEFIT PERIOD 13 weeks 65-69 $0.509

70+ $0.603

TO CALCULATE HOW MUCH YOUR STD COVERAGE WILL COST:

$ ÷ 52 $ x 60% $ ÷ 10 $ x Rate $

Annual Salary Weekly Income Weekly Benefit Amount Bi-weekly Premium

During your initial Enrollment period, you will be able to elect the Short-Term Disability coverage without Evidence of
Insurability. This is a one-time opportunity offering. Moving forward in future open enrollments, Evidence of Insurability
will be required.

26 | Income Protection
 27 Additional Benefits
Marksman Security Corporation wants you to succeed in all aspects of life, so we offer a variety of
additional benefits to make your day-to-day easier.

Pet Insurance Prepaid Legal Coverage

We know your pets are part of the family, and just like ARAG offers low-cost access to attorneys for personal
any other family member, our furry friends are bound to legal services. Payments are made conveniently through
have some medical expenses from time to time. For the payroll deductions. It’s like having your own attorney on
most part, these expenses come from standard checkups retainer for a lot less. There are attorneys standing by to
and immunizations, but the occasional unexpected illness assist you with:
or injury can rack up some significant bills when you least
» Estate planning, wills, » Document review
expect it. Pet insurance through Pet Benefit Solutions
and trusts » Family law, including
provides coverage for veterinary expenses related to
accidents and illnesses, including X-rays, medications, vet » Real-estate matters adoption and name
visits, surgeries, and hospital stays. Policies are available » Identity-theft defense change
for dogs, cats, birds, reptiles, and exotic pets. Optional » Advice and
» Financial matters, such
wellness coverage is also available for dogs and cats, consultation on
as debt-collection
providing reimbursement for preventive care. To enroll personal legal matters
defense
or for additional information, please contact Pet Assure
» Traffic offenses » Divorce
through Pet Benefit Solutions.
Coverage is available for $8.42 bi-weekly and covers you
EMPLOYEE PER PAY COST and your dependents.

SINGLE PET PLAN $5.42

TravelConnect Travel Assistance
UNLIMITED PET PLAN $8.54
Lincoln TravelConnect service offers security and
reassurance — helping make travel less stressful. You and
your loved ones can count on TravelConnect services 24
hour a day, 7 days a week. You'll have dedicated support
if you face an emergency when you're 100 or more miles
from home. For a complete list of TravelConnect services,
go to https://myoncallportal.com/ and enter Group ID:
LFGTravel123.

Additional Benefits | 27
Identity Theft Protection NORTON LIFELOCK (FORMERLY
ESSENTIAL PLAN PREMIER PLAN
NORTONLIFELOCK) FEATURES
Identity theft protection is available on a voluntary
basis. There is a new identity fraud victim every two MILLION DOLLAR PROTECTION
X X
seconds. Protect yourself with Norton LifeLock. PACKAGE
Norton LifeLock monitors millions of transactions STOLEN FUNDS
X X
every second, alerting you to suspicious activity by REIMBURSEMENT
text, phone, or email. This plan offers a full set of ONLINE ACCOUNT MONITORING X X

features to help protect you and your covered NORTON LIFELOCK IDENTITY
X X
ALERT SYSTEM
family members against identity theft.
DARK WEB MONITORING X X
Norton LifeLock membership features:
NORTON LIFELOCK PRIVACY
X X
» Norton LifeLock Identity Alert System MONITOR
24/7 LIVE MEMBER SUPPORT X X
» Lost-wallet protection
FICTITIOUS IDENTITY
X X
» Address change verification MONITORING

» Norton LifeLock Privacy Monitor CREDIT, CHECKING & SAVINGS

X X
ACCOUNT ACTIVITY ALERTS
» Live member service support 401K & INVESTMENT ACCOUNT
X X
ACTIVITY ALERTS
» Identity-restoration support
DATA BREACH NOTIFICATIONS X X
» Data-breach notifications
LOST WALLET PROTECTION X X
This plan is available via payroll deduction and is U.S. BASED IDENTITY
X X
yours to keep if you retire or leave Marksman RESTORATION SPECIALISTS
Security Corporation. CREDIT MONITORING One-Bureau Three-Bureau

CREDIT APPLICATION ALERTS X X

NEW CHECKING & SAVINGS

X
ACCOUNT APPLICATION ALERTS
BANK ACCOUNT TAKEOVER
X
ALERTS
THREE-BUREAU ANNUAL CREDIT
X
REPORTS & CREDIT SCORE
ONE-BUREAU MONTHLY CREDIT
X
SCORE TRACKING
NORTON FEATURES ESSENTIAL PLAN PREMIER PLAN

PARENTAL CONTROLS X X

CLOUD BACKUP 10 GB 50 GB

PASSWORD MANAGER X X

SAFECAM X X

ONLINE THREAT PROTECTION X X

SMART FIREWALL X X
Up to 5 devices
Up to 3 devices
SECURE DEVICES (Family 6 devices)
(Family 10
devices)
EMPLOYEE PER PAY COST ESSENTIAL PLAN PREMIER PLAN

EMPLOYEE ONLY $3.46 $5.53

FAMILY $6.91 $11.07

28 | Additional Benefits
29 Important Contacts
Medical Employee Assistance Identity Theft
Cigna Program Norton LifeLock
800-244-6224 Guidance Resources 800-543-3562
www.mycigna.com 888-628-4824 www.gendigital.com
Policy #: 3345825 GuidanceResources.com
LFGSupport PW: LFGSupport1 Marksman Security
Hooray Health Corporation Benefits
1-855-479-4008 Prepaid Legal Coverage 844-802-2985
www.myhooryahealth.com ARAG [email protected]
Policy #: HHZ40050 800-247-4184
www.araglegal.com Marksman Security
Supplemental Health Corporation
(Accident, Critical Illness, Travel Assistance Human Resources
Hospital Indemnity) Lincoln TravelConnect 3230 West Commercial Boulevard,
CIGNA MyOnCallPortal.com Suite 100
800-754-3207 ID LFGTravel123 Fort Lauderdale, FL 33309
Supphealthclaims.com 844-802-2985
Policy #(s): Pet Insurance
Accident: AI111656 Pet Benefit Solutions
Critical Illness: CI111594 800-891-2565
Hospital: HC111320 www.petassure.com/search
www.PetCareRX.com
Telemedicine
HealthiestYou
866-703-7259
www.healthiestyou.com

Dental
Cigna
800-244-6224
www.mycigna.com
Policy #: 3345825

Vision
Cigna
888-353-2653
www.mycigna.com
Policy #: 3345825

Life and AD&D

Lincoln Financial
1-888-408-7300
www.mylincolnportal.com
Company code: LF1336MAR

Disability
Lincoln Financial
1-888-408-7300
www.mylincolnportal.com
Company code: LF1336MAR

Important Contacts | 29
 30 Glossary
Balance Billing – When you are billed by a provider for the Healthcare Cost Transparency – Also known as market
difference between the provider’s charge and the allowed transparency or medical transparency. Online cost
amount. For example, if the provider’s charge is $100 transparency tools, available through health insurance
and the allowed amount is $60, you may be billed by the carriers, allow you to search an extensive national
provider for the remaining $40. database to compare varying costs for services.
Coinsurance – Your share of the cost of a covered Minimum Essential Coverage plan – Covers 100% of the
healthcare service, calculated as a percent of the cost of certain preventive services, when delivered by a
allowed amount for the service, typically after you network provider. Helps cover the costs of certain medical
meet your deductible. expenses incurred due to an accident or sickness at a
specified benefit amount for a limited number of days
Consumer-Driven Health Plan (CDHP) – A plan option that
per year.
provides choice, flexibility, and control over healthcare
spending. Most preventive care is covered at 100% with Network – A group of physicians, hospitals, and healthcare
in-network providers, and all qualified employee-paid providers that have agreed to provide medical services to a
medical expenses count toward your deductible and out- health insurance plan’s members at discounted costs.
of-pocket maximum.
» In-Network – Providers that contract with your
Copay – The fixed amount you pay for healthcare services insurance company to provide healthcare services at
received, as determined by your insurance plan. the negotiated carrier discounted rates.
Deductible – The amount you owe for healthcare services » Out-of-Network – Providers that are not contracted
before your insurance begins to pay its portion. For with your insurance company. If you choose an out-
example, if your deductible is $1,000, your plan does not of-network provider, services will not be covered at
pay anything until you’ve paid $1,000 for covered services. the in-network negotiated carrier discounted rates.
This deductible may not apply to all services, including » Non-Participating – Providers that have declined
preventive care. entering into a contract with your insurance provider.
Explanation of Benefits (EOB) – A statement from your They may not accept any insurance and you could
insurance carrier that explains which services were pay for all costs out of pocket.
provided, their cost, what portion of the claim was paid by Open Enrollment – The period set by the employer during
the plan, and what portion is your liability, in addition to which employees and dependents may enroll for coverage.
how you can appeal the insurer’s decision.
Out-of-Pocket Maximum – The most you pay during
the plan year before your health insurance begins to pay
100% of the allowed amount. This does not include your
premium, out-of-network provider charges beyond the
Reasonable & Customary, or healthcare your plan doesn’t
cover. Check with your carrier to confirm what applies to
the maximum.
Over-the-Counter (OTC) Medications – Medications
available without a prescription.

30 | Glossary
Prescription Medications – Medications prescribed by a
doctor. Cost of these medications is determined by their
assigned tier: generic, preferred, non-preferred,
or specialty.
» Generic Drugs – Drugs approved by the U.S. Food
and Drug Administration (FDA) to be chemically
identical to corresponding preferred or non-
preferred versions. Usually the most cost-effective
version of any medication.
» Preferred Drugs – Brand-name drugs on your
provider’s approved list (available online).
» Non-Preferred Drugs – Brand-name drugs not on
your provider’s list of approved drugs. These drugs
are typically newer and have higher copayments.
» Specialty Drugs – Prescription medications used to
treat complex, chronic, and often costly conditions.
Because of the high cost, many insurers require that
specific criteria be met before a drug is covered.
These medications are usually required to be filled at
a specific pharmacy.
» Prior Authorization – A requirement that your
physician obtain approval from your health insurance
plan to prescribe a specific medication for you.
» Step Therapy – The goal of a Step Therapy Program
is to guide members to less expensive, yet equally
effective, medications while keeping member
and physician disruption to a minimum. You must
typically try a generic or preferred-brand medication
before “stepping up” to a non-preferred brand.
Reasonable and Customary Allowance (R&C) – The
amount paid for a medical service in a geographic area
based on what providers in the area usually charge for
the same or similar medical service. The R&C amount is
sometimes used to determine the allowed amount. Also
known as the UCR (Usual, Customary, and Reasonable)
amount.
Summary of Benefits and Coverage (SBC) – Mandated by
healthcare reform, you are provided with a summary of
your benefits and plan coverage.
Summary Plan Description (SPD) – The document(s) that
outline the rights, obligations, and material provisions of
the plan(s) to all participants and their beneficiaries.

Glossary | 31
 Required Notices When Will You Pay A Higher Premium (Penalty) To Join A
Medicare Drug Plan?
Important Notice from Marksman Security Corporation About You should also know that if you drop or lose your current coverage with
Marksman Security Corporation and don’t join a Medicare drug plan within
Your Prescription Drug Coverage and Medicare under the 63 continuous days after your current coverage ends, you may pay a higher
Cigna Plan B, C and D Plan(s) premium (a penalty) to join a Medicare drug plan later.
Please read this notice carefully and keep it where you can find it. This If you go 63 continuous days or longer without creditable prescription drug
notice has information about your current prescription drug coverage with coverage, your monthly premium may go up by at least 1% of the Medicare
Marksman Security Corporation and about your options under Medicare’s base beneficiary premium per month for every month that you did not have that
prescription drug coverage. This information can help you decide whether or not coverage. For example, if you go nineteen months without creditable coverage,
you want to join a Medicare drug plan. If you are considering joining, you should your premium may consistently be at least 19% higher than the Medicare base
compare your current coverage, including which drugs are covered at what beneficiary premium. You may have to pay this higher premium (a penalty) as long
cost, with the coverage and costs of the plans offering Medicare prescription as you have Medicare prescription drug coverage. In addition, you may have to
drug coverage in your area. Information about where you can get help to make wait until the following October to join.
decisions about your prescription drug coverage is at the end of this notice.

There are two important things you need to know about your current coverage For More Information about This Notice or Your Current
and Medicare’s prescription drug coverage: Prescription Drug Coverage…
1. Medicare prescription drug coverage became available in 2006 to Contact the person listed at the end of these notices for further information.
everyone with Medicare. You can get this coverage if you join a Medicare NOTE: You’ll get this notice each year. You will also get it before the next
Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO period you can join a Medicare drug plan, and if this coverage through
or PPO) that offers prescription drug coverage. All Medicare drug plans Marksman Security Corporation changes. You also may request a copy of this
provide at least a standard level of coverage set by Medicare. Some notice at any time.
plans may also offer more coverage for a higher monthly premium.
For More Information about Your Options under Medicare
2. Marksman Security Corporation has determined that the prescription
drug coverage offered by the Cigna Plan B, C and D plan(s) is, on Prescription Drug Coverage…
average for all plan participants, expected to pay out as much as More detailed information about Medicare plans that offer prescription drug
standard Medicare prescription drug coverage pays and is therefore coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in
considered Creditable Coverage. Because your existing coverage is the mail every year from Medicare. You may also be contacted directly by Medicare
Creditable Coverage, you can keep this coverage and not pay a higher drug plans.
premium (a penalty) if you later decide to join a Medicare drug plan.
For more information about Medicare prescription drug coverage:
When Can You Join A Medicare Drug Plan? » Visit www.medicare.gov
You can join a Medicare drug plan when you first become eligible for Medicare » Call your State Health Insurance Assistance Program (see the inside back
during a seven-month initial enrollment period. That period begins three months cover of your copy of the “Medicare & You” handbook for their telephone
prior to your 65th birthday, includes the month you turn 65, and continues for the number) for personalized help
ensuing three months. You may also enroll each year from October 15th through » Call 1-800-MEDICARE (1-800-633-4227).
December 7th. TTY users should call 1-877-486-2048
If you have limited income and resources, extra help paying for Medicare
However, if you lose your current creditable prescription drug coverage, through prescription drug coverage is available. For information about this extra help, visit
no fault of your own, you will also be eligible for a two (2) month Special Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-
Enrollment Period (SEP) to join a Medicare drug plan. 1213 (TTY 1-800-325-0778).

What Happens To Your Current Coverage If You Decide to Remember: Keep this Medicare Part D notice. If you decide to join one
Join A Medicare Drug Plan? of the Medicare drug plans, you may be required to provide a copy of
this notice when you join to show whether or not you have maintained
If you decide to join a Medicare drug plan, your current creditable coverage and, therefore, whether or not you are required to
Marksman Security Corporation coverage will not be affected. For most persons pay a higher premium (a penalty).
covered under the Plan, the Plan will pay prescription drug benefits first, and
Medicare will determine its payments second. For more information about this
issue of what program pays first and what program pays second, see the Plan’s Date: January 1, 2024
summary plan description or contact Medicare at the telephone number or web Name of Entity/Sender: Marksman Security Corporation
address listed herein.
Contact—Position/Office: the B3 Enrollment Center
If you do decide to join a Medicare drug plan and drop your current Address: 3230 West Commercial Boulevard, Suite 100
Marksman Security Corporation coverage, be aware that you and your Fort Lauderdale, FL 33309
dependents will not be able to get this coverage back.
Phone Number: 833-211-3280

32
Women’s Health and Cancer Rights Act If the event giving rise to your special enrollment right is a loss of coverage
under Medicaid or the CHIP, you may request enrollment under this plan within
If you have had or are going to have a mastectomy, you may be entitled to 60 days of the date you or your dependent(s) lose such coverage under Medicaid
certain benefits under the Women’s Health and Cancer Rights Act of 1998 or CHIP. Similarly, if you or your dependent(s) become eligible for a state-granted
(WHCRA). For individuals receiving mastectomy-related benefits, coverage will premium subsidy towards this plan, you may request enrollment under this
be provided in a manner determined in consultation with the attending physician plan within 60 days after the date Medicaid or CHIP determine that you or the
and the patient, for: dependent(s) qualify for the subsidy.
» All stages of reconstruction of the breast on which the mastectomy was
performed; In addition, if you have a new dependent as a result of marriage, birth, adoption,
» Surgery and reconstruction of the other breast to produce a symmetrical or placement for adoption, you may be able to enroll yourself and your
appearance; dependents. However, you must request enrollment within 30 days after the
» Prostheses; and marriage, birth, adoption, or placement for adoption.
» Treatment of physical complications of the mastectomy, including
lymphedema. To request special enrollment or obtain more information, contact
the B3 Enrollment Center at 833-211-3280.
These benefits will be provided subject to the same deductibles and coinsurance
applicable to other medical and surgical benefits provided under this plan. For
deductibles and coinsurance information applicable to the plan in which you
enroll, please refer to the summary plan description. If you would like more
information on WHCRA benefits, please contact the B3 Enrollment Center at
833-211-3280.

HIPAA Privacy and Security

The Health Insurance Portability and Accountability Act of 1996 deals with how
an employer can enforce eligibility and enrollment for health care benefits, as
well as ensuring that protected health information which identifies you is kept
private. You have the right to inspect and copy protected health information
that is maintained by and for the plan for enrollment, payment, claims and
case management. If you feel that protected health information about you is
incorrect or incomplete, you may ask your benefits administrator to amend the
information. For a full copy of the Notice of Privacy Practices, describing how
protected health information about you may be used and disclosed and how
you can get access to the information, contact the B3 Enrollment Center at
833-211-3280.

HIPAA Special Enrollment Rights

If you are declining enrollment for yourself or your dependents (including your
spouse) because of other health insurance or group health plan coverage, you
may be able to later enroll yourself and your dependents in this plan if you or
your dependents lose eligibility for that other coverage (or if the employer stops
contributing towards your or your dependents’ other coverage).

Loss of eligibility includes but is not limited to:

» Loss of eligibility for coverage as a result of ceasing to meet the plan’s
eligibility requirements (i.e. legal separation, divorce, cessation of
dependent status, death of an employee, termination of employment,
reduction in the number of hours of employment);
» Loss of HMO coverage because the person no longer resides or works in
the HMO service area and no other coverage option is available through
the HMO plan sponsor;
» Elimination of the coverage option a person was enrolled in, and another
option is not offered in its place;
» Failing to return from an FMLA leave of absence; and
» Loss of coverage under Medicaid or the Children’s Health Insurance
Program (CHIP).
Unless the event giving rise to your special enrollment right is a loss of coverage
under Medicaid or CHIP, you must request enrollment within 30 days after your
or your dependent’s(s’) other coverage ends (or after the employer that sponsors
that coverage stops contributing toward the coverage).

33
 Required Notices What Happens To Your Current Coverage If You Decide to
Join A Medicare Drug Plan?
Important Notice from Marksman Security Corporation If you decide to join a Medicare drug plan, your current
Marksman Security Corporation coverage will not be affected. For most
About Your Prescription Drug Coverage and Medicare persons covered under the Plan, the Plan will pay prescription drug benefits
under the Cigna Plan A and Hooray Health MEC Plan(s) first, and Medicare will determine its payments second. For more information
about this issue of what program pays first and what program pays second,
Please read this notice carefully and keep it where you can find it. This see the Plan’s summary plan description or contact Medicare at the telephone
notice has information about your current prescription drug coverage with number or web address listed herein.
Marksman Security Corporation and about your options under Medicare’s
prescription drug coverage. This information can help you decide whether or If you do decide to join a Medicare drug plan and drop your current
not you want to join a Medicare drug plan. Information about where you can Marksman Security Corporation coverage, be aware that you and your
get help to make decisions about your prescription drug coverage is at the dependents will not be able to get this coverage back.
end of this notice.

There are three important things you need to know about your current When Will You Pay A Higher Premium (Penalty) To Join A
coverage and Medicare’s prescription drug coverage: Medicare Drug Plan?
1. Medicare prescription drug coverage became available in 2006 Since the coverage under Marksman Security Corporation is not creditable,
to everyone with Medicare. You can get this coverage if you join a depending on how long you go without creditable prescription drug coverage
Medicare Prescription Drug Plan or join a Medicare Advantage Plan you may pay a penalty to join a Medicare drug plan. Starting with the end of
(like an HMO or PPO) that offers prescription drug coverage. All the last month that you were first eligible to join a Medicare drug plan but
Medicare drug plans provide at least a standard level of coverage set didn’t join, if you go 63 continuous days or longer without prescription drug
by Medicare. Some plans may also offer more coverage for a higher coverage that’s creditable, your monthly premium may go up by at least 1% of
monthly premium. the Medicare base beneficiary premium per month for every month that you
did not have that coverage. For example, if you go nineteen months without
2. Marksman Security Corporation has determined that the prescription creditable coverage, your premium may consistently be at least 19% higher
drug coverage offered by the Cigna Plan A and Hooray Health MEC than the Medicare base beneficiary premium. You may have to pay this higher
plan is, on average for all plan participants, NOT expected to pay premium (penalty) as long as you have Medicare prescription drug coverage.
out as much as standard Medicare prescription drug coverage pays. In addition, you may have to wait until the following October to join.
Therefore, your coverage is considered Non-Creditable Coverage.
This is important because, most likely, you will get more help with For More Information about This Notice or Your Current
your drug costs if you join a Medicare drug plan, than if you only have
prescription drug coverage from the Marksman Security Corporation Prescription Drug Coverage…
plan. This also is important because it may mean that you may pay Contact the person listed at the end of these notices for further information.
a higher premium (a penalty) if you do not join a Medicare drug plan NOTE: You’ll get this notice each year. You will also get it before the next
when you first become eligible. period you can join a Medicare drug plan, and if this coverage through
Marksman Security Corporation changes. You also may request a copy of this
3. You can keep your current coverage from notice at any time.
Marksman Security Corporation. However, because your coverage
is non-creditable, you have decisions to make about Medicare
prescription drug coverage that may affect how much you pay for For More Information about Your Options under Medicare
that coverage, depending on if and when you join a drug plan. When Prescription Drug Coverage…
you make your decision, you should compare your current coverage,
including what drugs are covered, with the coverage and cost of the More detailed information about Medicare plans that offer prescription drug
plans offering Medicare prescription drug coverage in your area. Read coverage is in the “Medicare & You” handbook. You’ll get a copy of the
this notice carefully - it explains your options. handbook in the mail every year from Medicare. You may also be contacted
directly by Medicare drug plans.
When Can You Join A Medicare Drug Plan? For more information about Medicare prescription drug coverage:
You can join a Medicare drug plan when you first become eligible for Medicare » Visit www.medicare.gov
during a seven-month initial enrollment period. That period begins three » Call your State Health Insurance Assistance Program (see the inside
months prior to your 65th birthday, includes the month you turn 65, and back cover of your copy of the “Medicare & You” handbook for their
continues for the ensuing three months. You may also enroll each year from telephone number) for personalized help
October 15th through December 7th. » Call 1-800-MEDICARE (1-800-633-4227).
TTY users should call 1-877-486-2048
However, if you decide to drop your current coverage with
Marksman Security Corporation, since it is employer/union sponsored group If you have limited income and resources, extra help paying for Medicare
coverage, you will be eligible for a two (2) month Special Enrollment Period prescription drug coverage is available. For information about this extra help,
(SEP) to join a Medicare drug plan; however you also may pay a higher visit Social Security on the web at www.socialsecurity.gov, or call them at
premium (a penalty) because you did not have creditable coverage under the 1-800-772-1213 (TTY 1-800-325-0778).
Marksman Security Corporation plan.

34
 Remember: Keep this Medicare Part D notice. If you decide to join one HIPAA Special Enrollment Rights
of the Medicare drug plans, you may be required to provide a copy of
this notice when you join to show whether or not you have maintained If you are declining enrollment for yourself or your dependents (including your
creditable coverage and, therefore, whether or not you are required to spouse) because of other health insurance or group health plan coverage, you
pay a higher premium (a penalty). may be able to later enroll yourself and your dependents in this plan if you
or your dependents lose eligibility for that other coverage (or if the employer
stops contributing towards your or your dependents’ other coverage).
Date: January 1, 2024
Loss of eligibility includes but is not limited to:
Name of Entity/Sender: Marksman Security Corporation
» Loss of eligibility for coverage as a result of ceasing to meet the plan’s
Contact—Position/Office: the B3 Enrollment Center
eligibility requirements (i.e. legal separation, divorce, cessation of
Address: 3230 West Commercial Boulevard, Suite 100 dependent status, death of an employee, termination of employment,
Fort Lauderdale, FL 33309 reduction in the number of hours of employment);
Phone Number: 833-211-3280 » Loss of HMO coverage because the person no longer resides or works
in the HMO service area and no other coverage option is available
through the HMO plan sponsor;
» Elimination of the coverage option a person was enrolled in, and
Women’s Health and Cancer Rights Act another option is not offered in its place;
If you have had or are going to have a mastectomy, you may be entitled to » Failing to return from an FMLA leave of absence; and
certain benefits under the Women’s Health and Cancer Rights Act of 1998 » Loss of coverage under Medicaid or the Children’s Health Insurance
(WHCRA). For individuals receiving mastectomy-related benefits, coverage Program (CHIP).
will be provided in a manner determined in consultation with the attending Unless the event giving rise to your special enrollment right is a loss of
physician and the patient, for: coverage under Medicaid or CHIP, you must request enrollment within 30 days
» All stages of reconstruction of the breast on which the mastectomy after your or your dependent’s(s’) other coverage ends (or after the employer
was performed; that sponsors that coverage stops contributing toward the coverage).
» Surgery and reconstruction of the other breast to produce a
symmetrical appearance; If the event giving rise to your special enrollment right is a loss of coverage
» Prostheses; and under Medicaid or the CHIP, you may request enrollment under this plan
» Treatment of physical complications of the mastectomy, including within 60 days of the date you or your dependent(s) lose such coverage under
lymphedema. Medicaid or CHIP. Similarly, if you or your dependent(s) become eligible for a
state-granted premium subsidy towards this plan, you may request enrollment
These benefits will be provided subject to the same deductibles and under this plan within 60 days after the date Medicaid or CHIP determine that
coinsurance applicable to other medical and surgical benefits provided you or the dependent(s) qualify for the subsidy.
under this plan. For deductibles and coinsurance information applicable to
the plan in which you enroll, please refer to the summary plan description. In addition, if you have a new dependent as a result of marriage, birth,
If you would like more information on WHCRA benefits, please contact adoption, or placement for adoption, you may be able to enroll yourself and
the B3 Enrollment Center at 833-211-3280. your dependents. However, you must request enrollment within 30 days after
the marriage, birth, adoption, or placement for adoption.
HIPAA Privacy and Security To request special enrollment or obtain more information, contact
The Health Insurance Portability and Accountability Act of 1996 deals with how the B3 Enrollment Center at 833-211-3280.
an employer can enforce eligibility and enrollment for health care benefits, as
well as ensuring that protected health information which identifies you is kept
private. You have the right to inspect and copy protected health information
that is maintained by and for the plan for enrollment, payment, claims and
case management. If you feel that protected health information about you is
incorrect or incomplete, you may ask your benefits administrator to amend the
information. For a full copy of the Notice of Privacy Practices, describing how
protected health information about you may be used and disclosed and how
you can get access to the information, contact the B3 Enrollment Center at
833-211-3280.

35