HEALTH

All employees have access to our NEW Benefits Helpline. Benefits Specialists are available by phone and email to provide one-on-one employee service and education, including comprehensive understanding of benefits options and the benefit enrollment process.

The benefits specialist team is available to:

• Answer employee questions on comprehensive benefits package.
• Provide a personal way for you to understand your benefits.
• New hire, OE enrollment, QLE questions.
• Answer basic claims questions.
• Navigate Benefit updates and changes if experiencing a QLE.
• Transfer and/or provide contact information for internal resources or vendor partners.

CareFirst | CareFirst.com | 888.567.9155

Gates Hudson is committed to helping you and your family maintain health and wellness by providing you with access to the highest levels of care. We offer you a choice of four medical benefit options for 2024 – 2025. The plans offer different levels of benefits and costs. Out-of-network benefits are available, but you’ll pay more for care you receive from non-network providers. You will receive a medical ID card in the mail from CareFirst within 30 days of your enrollment and annually at the start of the new plan year on October 1st.

• Blue Advantage POS $250 Deductible
• BlueChoice Advantage Option 13 $500 Deductible
• CareFirst BCBS – $1,600 Deductible
• Blue Choice Open Access** HSA $1,600 Deductible

The high-deductible health plan (HDHP) provides the option of participating in a health savings account (HSA).

** Available only to employees residing in MD, DC, and Northern VA

BlueChoice HSA SBC
BlueChoice Opt7 SBC
BlueChoice Opt13 SBC

Carefirst Medical Resources

7 Cups

We’re committed to supporting your behavioral health needs and helping you access appropriate care. Our new Behavioral Health Digital Resource is designed to provide a confidential environment for you to:

• Talk with someone who understands
• Learn new coping skills
• Join a support forum
• Connect with a licensed therapist

CareFirst BlueCross BlueShield (CareFirst) is working with 7 Cups of Tea (7 Cups), the world’s largest behavioral health support system, to provide this digital resource at no cost to you. Visit carefirst.com/myaccount or download the 7 Cups app to get started.

CloseKnit

CloseKnit is a different kind of primary care practice. With preventive care, urgent care, behavioral health, and more, CloseKnit offers a one-stop, whole health solution to help you live your healthiest life. It’s virtual-first to save you time and available 24/7/365 for your convenience. That’s care designed entirely around you.

Primary care services include:

• Well care, preventive, and sick visits
• Mental health counseling
• 24/7 chat with your dedicated Care Team
• Health Guides who can answer health, benefits, and billing questions

Noom

The Noom app is designed to help you achieve and maintain a healthy weight. It can also help lower the risk for chronic conditions like diabetes. What makes Noom different? Their approach. Noom’s personalized, psychology-based techniques will help you better understand your relationship with food. You’ll be more mindful of habits and gain the knowledge and support needed for lasting change.

There are certain requirements to participate in Noom, like:

• Being 18 years of age or older with a BMI of 25 or greater;
• Having been identified as having prediabetes; or
• Being at risk for developing prediabetes.

If you’ve already been diagnosed with diabetes, we encourage you to receive additional support. You can do this by enrolling in disease management coaching through CareFirst WellBeing.

CareFirst WellBeing

CareFirst WellBeing offers motivating digital resources accessible anytime, plus specialized programs for extra support. Your wellness program provides a wealth of tools and resources, as well as easy-to-understand recommendations and insights that reflect your individual interests and needs—all tailored to help you live your healthiest life.

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The Standard | Standard.com

Voluntary benefits insurance through The Standard can help protect you from significant or unexpected out-of-pocket expenses. Consider your anticipated medical needs along with the cost of the insurance plans available to you. Keep in mind, these benefits are intended to supplement, not replace, your medical benefit.

Accident Summary
Hospital Indemnity Summary
Critical Illness Summary
Hospital Indemnity Notice

Accident Insurance

The accident insurance through The Standard is designed to supplement your medical benefit by paying specific benefit amounts for expenses resulting from injuries or accidents. Hospitalization, physical therapy, intensive care, transportation and lodging are some of the out-of-pocket expenses that this accident insurance could cover. Coverage is available for you, your spouse and/or your child(ren).

Hospital indemnity insurance

Hospital indemnity insurance through The Standard is designed to help provide financial protection for covered individuals by paying a benefit for hospitalization. You can use the benefit to pay for out-of-pocket expenses and extra bills that can occur. Indemnity lump-sum benefits are paid directly to you based on the amount of coverage listed, regardless of the actual cost of treatment.

Critical illness insurance

Gates Hudson partners with The Standard to offer critical illness insurance, which supplements your medical benefit by helping you pay costs associated with a critical illness or event. Some of the conditions covered under this program include cancer, heart attack, stroke, Alzheimer’s, kidney failure and paralysis. Benefits are paid tax-free in a lump sum ranging from $10k to $30k to be used at your discretion.

CareFirst | CareFirst.com | 866-891-2802

Although you can choose any dental provider, when you use an in-network dentist, you will generally pay less because your share of the cost will be based on discounted fees. With out-of-network dentists, your benefit will pay the same percentage, but your costs will be reimbursed based on out-of-network rates. If you go out-of-network, your dentist may bill you the difference between the amount they charged and what your benefit paid.
Attending dental exams regularly is an important step in maintaining overall health and can also help prevent significant medical conditions from becoming serious or expensive.
To see a current provider directory, please visit CareFirst.com.

High Plan Summary
Low Plan Summary
Blue DHMO Summary

CareFirst | CareFirst.com | 866-520-6099

CareFirst’s vision care benefits include coverage for eye exams, standard lenses and frames, and contact lenses and discounts for laser surgery. The vision plan is built around a network of eye care providers, with better benefits at a lower cost to you when you use providers who belong to the CareFirst network. When you use an out-of-network provider, you will have to pay more for vision services.
Eye exams can tell you about far more than just your vision. Be sure to schedule regular eye exams to detect vision and medical conditions early on.

Vision Plan Summary

Health Advocate – The Standard | healthadvocate.com/standard6 | 800.891.2565

We all know that life can be challenging at times. Issues like illness, debt and family problems can leave us feeling worried or anxious and not able to be at our best. The EAP, sponsored by Health Advocate, provides confidential support and resources for you and your dependents at no charge. You can seek expert guidance for any kind of issue, from everyday matters to more serious problems affecting your wellbeing.

The program offers:

• Depression, grief, loss and emotional well-being
• Family, marital and other relationship issues
• Life improvement and goal-setting
• Addictions such as alcohol and drug abuse
• Stress or anxiety with work or family
• Financial and legal concerns
• Identity theft and fraud resolution
• Online will preparation and other legal documents

Connection to Resources, Support and Guidance

You, your dependents (including children to age 26) and all household members can contact the program’s master’s-level counselors 24/7. Reach out through the mobile EAP app or by phone, online, live chat, and email. You can get referrals to support groups, a network counselor, community resources or your health plan. If necessary, you’ll be connected to emergency services.
Your program includes up to six counseling sessions per issue. Sessions can be done in person, on the phone or through video.

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