2 TABLE OF CONTENTS I ▪ Introduction 3 ▪ Overview of Benefits Programs 6 ▪ Medical Benefits 8 ▪ Dental Benefits 12 ▪ Vision Benefits 14 ▪ Life Insurance 16 ▪ Short - term Disability Insurance 18 ▪ Health Savings Account (HSA) 19 ▪ Flexible Spending Account (FSA) 20 ▪ Value of Pre - Tax Benefits 21 ▪ Telemedicine 22 ▪ Legal Notices 23 ▪ Contact Page 33 ▪ Notes Page 34 BENEFITS GUIDE TABLE OF CONTENTS