Your Benefits at a Glance

AvMed — (800) 882-8633 · avmed.org Four medical plans through AvMed. Three are HSA-qualified plans (0% coinsurance after deductible); the fourth is a copay-based plan. Pharmacy benefits through CVS & Walgreens on all plans. The three HSAQ plans are compatible with a Health Savings Account (HSA) through Optum Health — see the Tax-Advantaged Accounts section for details. AvMed SmartShopper — Enrolled in an AvMed plan? Use SmartShopper to compare in-network prices for 100+ procedures and earn cash rewards for choosing high-quality, cost-effective locations. Log in at AvMed.SapphireCareSelect.com or call (866) 285-7453. Active&Fit Direct — AvMed members get access to 12,200+ fitness centers and 9,700+ on-demand workout videos for $28/month with no long-term contracts. Log in at AvMed.org/Login and click Health and Wellness to get started.

Mutual of Omaha — (800) 827-9197 · mutualofomaha.com/dental Two dental PPO plans on the Mutually Preferred Dental Network. Preventive care covered at 100% on both plans with deductible waived.

Mutual of Omaha — (833) 274-4358 · mutualofomaha.com/vision One vision plan on EyeMed’s Insight Network. Exams, lenses, and frames available every 12 months.

Mutual of Omaha — (800) 769-7159 · mutualofomaha.com Employer-Paid Basic Life & AD&D Baptist Health FCU provides basic life and AD&D coverage at 2x your annual earnings, up to $300,000. Benefits reduce 35% at age 65 and 50% at age 70. Voluntary Life & AD&D Includes Living Care/Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion.

Mutual of Omaha — (800) 769-7159 · mutualofomaha.com Both short-term and long-term disability are employer-paid. Short-Term Disability Long-Term Disability

Transamerica — (888) 763-7474 · transamericabenefits.com GAP insurance helps cover out-of-pocket costs not paid by your medical plan, such as deductibles and coinsurance for hospital stays and outpatient procedures.

Mutual of Omaha — (800) 769-7159 · mutualofomaha.com Accident Insurance pays cash benefits for covered injuries resulting from an accident, helping offset out-of-pocket costs like deductibles and copays.

Mutual of Omaha — (800) 769-7159 · mutualofomaha.com Critical Illness Insurance pays a lump-sum benefit upon diagnosis of a covered condition. Dependent coverage is contingent on employee enrollment. Rates are based on age and coverage level. Includes a $50 Health Screening benefit.

Mutual of Omaha — (800) 769-7159 · mutualofomaha.com Hospital Indemnity pays cash benefits directly to you for hospital stays due to sickness or injury. Complications of pregnancy are included.

Preferred Legal Plan — (888) 577-3476 · preferredlegal.com Full-service legal representation for $13.95/month. Covers your spouse, dependent children, and entire household. Includes unlimited phone consultations, face-to-face attorney meetings, document review, letters and calls on your behalf, credit report analysis, identity theft restoration, simple wills, notary services, and reduced fees for attorney representation. Available 24/7 with tri-lingual attorneys. No long-term contracts — cancel anytime. Portable if you leave employment.

Baptist Health South Florida Federal Credit Union offers a range of voluntary benefits through Mutual of Omaha to help protect you and your family from unexpected financial burdens. These plans are available to all eligible full-time employees and are employee-paid through payroll deduction.

Baptist Health South Florida Federal Credit Union offers tax-advantaged accounts to help you save on healthcare expenses. Your payroll deductions for health, dental, vision, and certain supplemental insurance premiums are made on a pre-tax basis under a Section 125 Cafeteria Plan, reducing your taxable income. Employees enrolled in an HSA-qualified medical plan may also take advantage of a Health Savings Account through Optum Health.

Optum Bank — (800) 791-9361 · optumbank.com Available to employees enrolled in one of the three HSAQ medical plans (Achieve HSAQ, Choice HSAQ CK420, or Choice HSAQ CK252). Baptist Health FCU contributes $1,000 per year ($83.33/month) to your HSA. Your HSA is triple tax-advantaged — contributions are pre-tax, earnings grow tax-free, and qualified withdrawals are untaxed. Funds roll over year to year and the account is yours to keep if you change jobs.

Sam by UCM Digital Health — 24/7 virtual care included free with every medical plan. (844) 484-7362 · sambyucm.com • Emergent Care — on-demand for hundreds of conditions • Primary Care — wellness visits, chronic care, prescriptions • Behavioral Health — unlimited 1:1 counseling Download the “Sam by UCM Digital Health” app to get started.

Spot Pet Insurance — (833) 343-2340 · spotpet.link/bhsffcu Accident, illness, and optional preventive coverage. Customizable annual limit, deductible, and reimbursement rate. Visit any vet in U.S. or Canada. Up to 20% employee discount. Plans starting as low as $9/month.

Calm Health by Optum — Available at no additional cost to employees enrolled in an AvMed medical plan through your behavioral health benefits. Self-paced courses and tools for sleep, stress, anxiety, mindfulness, and resilience. To register, visit calmhealth.onelink.me/cfkt/avmed or scan the QR code in your benefit book. Enter access code avmed, your member ID, name, and date of birth. Employee Assistance Program (EAP) — Mutual of Omaha · (800) 316-2796 · mutualofomaha.com/eap. Confidential support for personal and work-related challenges, available to all eligible employees.