TABLE OF CONTENTS - CBCins · 2019-11-06 · Allegiant has to pay them all, whereas if we were fully funded, Anthem would have to pay them. Here’s what this means for each of us:

2 www.MyAllegiantbenefits.com | (855) 676-6860

Welcome from Rebecca ....................................................................................3

How to Enroll .........................................................................................................4Medical Plans ........................................................................................................6

Medical Plan Summaries ..................................................................................9Medical Plan Rates .............................................................................................11

Bundled with Allegiant Medical ....................................................................12 Dental Care ............................................................................................................14 Vision Care .............................................................................................................15 Allegiant Provided Plans ..................................................................................16 Optional Voluntary Plans .................................................................................17 Financial, Legal, ID Theft & Other Programs .............................................20 Life Event ...............................................................................................................21 Glossary ..................................................................................................................22

Contacts .................................................................................................................23 The Allegiant Benefits Center .......................................................... BACK COVER

TABLE OF CONTENTS:

About this Guide This guide highlights certain provisions of our benefit plans. Details of the benefit plans are contained in the plan documents. If there are differences between the information in this overview and the plan documents, the plan documents will prevail. The guide does not constitute a contract with an employee or a legal benefit document. We reserve the right to amend, modify or terminate any of these plans or benefits at any time.

Who can you cover? yy Yourselfyy Spouseyy Dependent children (biological, step, adopted or legal ward) up to age 26yy Disabled children over age 26 who depend on you for financial support

Need help? We have partnered with HealthJoy to provide you and your family with an all-in-one healthcare guidance and engagement platform that empowers you to make better healthcare decisions. The platform brings together online doctors, healthcare concierges, prescription savings and other cost containment strategies into an easy-to-use mobile app. More information about HealthJoy can be found on page 13.

3www.MyAllegiantbenefits.com | (855) 676-6860

WELCOME FROM REBECCA:

We are increasing the company match for the 2019 Health Savings Account (HSA) and are bringing on new tools to help you save money and increase the quality of care you receive.

We recognize that choosing the best level of benefit coverage for you and your family can be difficult, so this year we are introducing Custom Benefit Consultants (CBC), a new administration company who will be able to assist you with your decisions and enrollment, replacing Accolade. Beginning in January 2019, you will have access to CBC’s assistance year round to answer questions about claims, benefits, help with finding providers or services, and so much more.

Our partnership with CBC brings with it a new program called HealthJoy. HealthJoy provides a cellphone app that stores all your benefits cards, plan details, HSA balance, and even the link to our telemedicine services in one place, along with many additional services.

During our first year with AdvanceMedical, our Team Members found this resource to be invaluable in the diagnosis and treatment of their medical conditions. Based on the positive feedback, we are expanding coverage under AdvanceMedical to include extended family (adult children, parents, grandparents, and siblings). This resource provides expert second opinion support for medical conditions by evaluating diagnosis and treatment options. Using services like this has been shown to reduce your costs and improve medical outcomes.

Lastly, based on your requests, we have added identity theft coverage to our benefit lineup, which will be offered through InfoArmor. Inside the guide you’ll find more information regarding this new option. We understand that benefits are an incredibly important part of your overall employment package, and we’ve worked hard to ensure you have many options so you can choose exactly what’s right for you. I’m looking forward to sharing a healthy 2019 with you!

REBECCA HENRYVP PEOPLE SERVICES

Team Member, Welcome to Allegiant’s 2019 Benefit Offerings.

First and foremost, we continue to offer plans that embody our flexibility and allow you to customize your benefits plan to best fit the needs of you and your family. This guide includes details about each of the plans. Nationwide, benefit costs continue to increase, but we’ve worked hard to modify our offerings to minimize your cost increases to the largest extent possible. You’ll see premium adjustments by less than 2% across all plan designs. One of the more noticeable ways we’ve accomplished this is a switch from the Aetna to the Anthem insurance network, which should offer you more choices for providers and a better overall network, and adding Costco Pharmacy as our primary, most discounted prescription cost option.


ENROLL IN YOUR BENEFITS IN THREE EASY STEPS!

1. Know your options REVIEW ALL PLAN OPTIONS AND COSTS. Finding the right coverage for you and your family is a balance between the amount deducted from your paycheck and the amount you pay at time of service.

Choose carefully: The benefits you select will generally begin the first of the month following completion of your eligibility waiting period and remain in effect through December 31, 2019. If you have elected a benefit that requires Evidence of Insurability, that benefit will be effective the first of the month following approval from the carrier. During the year, you can only change benefits, including adding or removing a dependent, if you have a Qualified Life Event such as birth, adoption, marriage, or divorce. These events are defined by the IRS or the plan. If you have a Qualified Life Event during the 2019 Benefits Open Enrollment period, you must report the event separately within 31 days of the event.

2. Decide who to coverYOU CAN ENROLL YOURSELF, AS WELL AS:yy Your spouse yy Your children under age 26, if they are your natural children, stepchildren, legally adopted children, foster children, or children for whom you have legal custody or court-appointed Guardianship. yy Your children of any age, if they are physically or mentally unable to care for themselves as long as they were disabled before age 26.

3. Make your elections through the Allegiant Benefits CenterENROLL ONLINE!yy Log onto www.MyAllegiantBenefits.com

yy If this is your first time logging in…

y� Your Login ID — Is the first initial of your first name and first initial of your last name followed by your date of birth (mmddyyyy) with no spaces in between. (For example: If “Linda Test” was born on September 17, 1971, her ID would be “LT09171971”.)

y� Your Password — If this is your first time logging into the Allegiant enrollment website, you will need to enter your temporary password. Your temporary password is the last six digits of your Social Security #. (For example: If Linda Test’s full SS number is 123-45-6789, the password is “456789”.)

yy Click on “Enroll Now” and follow each step.


When you Enroll:yy You’ll need to designate which dependents receive medical, dental or vision coverage by checking their names on the page that appears after you have selected your medical, dental and/or vision plan. yy Once you’ve made your choices, take a close look to be sure you’ve selected the benefits you want before you submit your elections. yy Print a copy of your elections as your confirmation statement.

Please check your Confirmation of Election Statement carefully before exiting the online benefits center. If you see a problem or want to make a change, simply go back to the “Enroll Now” benefits section and modify your election. When you have completed your elections, print your Confirmation of Election Statement.

Please remember to…yy Provide your personal email address. yy Update your dependent and beneficiary information.

DETAILED BENEFITS DOCUMENTS AVAILABLE ONLINEThe benefit descriptions found in this guide have been prepared to help you understand your Allegiant benefit choices. As summaries, these descriptions only highlight the main characteristics of each plan. You can find more detailed descriptions of the plans in your Summary Plan Descriptions and in the materials supplied by the providers. Regardless of any statement made in this guide, benefits will be provided in accordance with the plan documents, contracts and trust agreements between Allegiant and the various provider organizations.


The Allegiant Benefits Plan: A Self-Funded Model

Medical insurance is complicated and risky – and its overall cost is often very difficult to predict. Employers can choose a more costly, but lower-risk design, called “fully-funded,” or a less expensive, higher-risk one, called “self-funded.” It is important you understand our model and how your choices can impact the plan costs, so we’ve outlined here a basic primer on insurance plan design.

In a “fully-funded” plan design, an insurance carrier, like Anthem, collects monthly premiums to pay for medical bills. Those premiums are partially paid by you from your paychecks and partially paid from Allegiant. That’s all the money Anthem collects to pay all the bills, so they need to charge enough to cover what they expect all the bills to be, plus a fee for doing all the bill payment work, plus a cushion for taking the risk to offset the years they don’t collect enough money to pay all the bills.

In those years, Anthem is stuck paying out more than they collected, so the following year, they raise the cost for “fully funded” insurance by 5, 10 or 15% as we’ve seen happen multiple times to Allegiant over the past decade.

In a “self-funded” plan design, the insurance carrier, like Anthem, is simply allowing employees to use its network of providers at the discounted rates it has negotiated, and processing the bills, but not paying them. There is a dramatically smaller monthly fee Anthem collects for these services, but it passes all the bills to the Company to pay. The Company puts the premiums we collect from employees plus the premiums Allegiant pays, just like in the fully-funded model, into a bank account used to pay for all the medical bills received. We save the amount of money Anthem would have taken as a fee and the cushion amount they would tack on to the premiums to ensure they collected enough to cover the bills, if the plan does not run as expected. If the bills are really, really high, though, this is where the riskiness comes in, because Allegiant has to pay them all, whereas if we were fully funded, Anthem would have to pay them.

Here’s what this means for each of us: Since we’ve opted for the self-funded model, each medical decision we make is charged directly to Allegiant. Choose Urgent Care instead of Emergency Room = plan savings. Choose your doctor to draw blood instead of asking to be sent to Quest labs = extra plan costs. Call telemedicine for your sore throat instead of going to your primary care doctor = plan savings. At the end of the year, next year’s paycheck premiums are based on this year’s actual spending – so every one of us, and every medical decision we make, can influence our future costs.

Hopefully this explains the type of plan we offer, and how all of us on Allegiant’s benefit plan have ownership in it. This is also why we offer so many resources like AdvanceMedical and HealthJoy to keep your costs and Allegiant’s costs as low as possible.

MEDICAL PLANS


Medical Plan OptionsTo view claims: Log into www.myAmeriBen.comFor assistance with claims: Call 877-867-7601In 2019, we are offering four medical plans - HDHP 3500, HDHP 1350, PPO, and HMO. Each plan presents a unique combination of coverage and costs. We will be using the Anthem / Bue Cross Blue Shield network of providers.

yy HDHP 3500 (a High Deductible Health Plan) - HSA Eligible plan yy HDHP 1350 (a High Deductible Health Plan) - HSA Eligible plan

Note: Not available to Team Members covered under TeamCare Benefits

HDHP (High Deductible Health Plan)

Both the HDHP 3500 and HDHP 1350 plans are High Deductible Health Plans. Preventive care costs are covered 100%. Team Members can pay for qualified medical expenses with pre-tax dollars from their Health Savings Account (HSA). With an HSA, dollars contributed roll over from year to year. If you leave the Company, the account, along with all the funds in it, goes with you. Both Team Members and Allegiant can make contributions to an HSA. Allegiant contributes to your HSA by matching any contributions you make, dollar for dollar, up to the following amounts:

ANNUAL MAXIMUM MATCH* yy Team Member Only $700yy Team Member Plus $1,400 If annual salary <= $40,000, matches $2 to $1; If annual salary > $40,000, match is $1 to $1.

*The IRS annual limit maximum contribution for the 2019 plan year is $3,500 for those with Team Member Only coverage and $7,000 for Team Member plus Dependent(s). The annual limits include both the Team Member and employer contributions. Team Members who contrib-ute to an HSA, are 55 or older and who are not enrolled in Medicare are allowed to contribute an additional $1,000.

PPO (a Preferred Provider Organization) - FSA Eligible Plan

With the PPO plan you have access to both in-network and out-of-network health care providers. Your portion of the costs are less when you use in-network providers. There is no Health Savings Account (HSA) with this plan. With this plan you may enroll in a Flexible Spending Account (FSA). However, there is no company match and funds do not roll over to the next year.

All contributions need to be used within the year. Any ‘left-over’ funds are forfeited. This is often referred to as a ‘use-it-or-lose-it’ account.

HMO (a Health Maintenance Organization) - FSA Eligible Plan With the HMO plan you have access to certain health care providers within a limited network. Unlike other insurance plan types, care is covered only if you see a provider within the HMO network. You will pay a set co-pay when you seek health care.

There is no Health Savings Account (HSA) with this plan. With this plan you may enroll in a Flexible Spending Account (FSA). However, there is no company match and funds do not roll over to the next year. All contributions need to be used within the year. Any ‘left-over’ funds are forfeited.This is often referred to as a ‘use-it-or-lose-it’ account. If you opt to see a health care provider outside the network, you will have to pay the entire cost of medical services.


COSTCO HEALTH: 877.908.6024 https://costcohealthsolutions.com BIN: 016127 PCN: CWHSYour prescription benefit is a combined deductible with the medical plan selected, however the prescription coverage is provided through Costco Health Solutions. We have partnered with them to provide savings to you and the plan.

yy You do not need to have a Costco membership.yy Your copays will be lower at Costco.yy You can still go to any participating retail pharmacy including Walmart, CVS, Rite Aid, Kroger, Savon, Vons to name just a few. Search for a pharmacy in your area by visiting https://costcohealthsolutions.com, then click on the Pharmacy Locator.

Note: Not available to Team Members covered under TeamCare Benefits

PRESCRIPTIONS

Costco Mail Order Pharmacy Preferred maintenance medications may be obtained through the Costco mail order pharmacy. If you are on a medical plan, you will obtain a 90 day supply for less than at a retail pharmacy.

WHAT ARE MAINTENANCE MEDICATIONS?These are medications taken regularly to maintain your health, including treatment for high blood pressure, asthma, diabetes, and additional medical conditions.

WHY ARE MAINTENANCE MEDICATIONS AVAILABLE AT COSTCO PHARMACIES?Costco strives to be the low cost leader in the market place for prescription drugs, which means Costco is able to pass along substantial savings to you and your benefit plan.

HOW DO I FIND THE CLOSEST COSTCO NEAR ME?Visit the Pharmacy Locator section at https://costcohealthsolutions.com to view a full list of locations near you.

HOW DO I GET STARTED WITH COSTCO MAIL ORDER?Register at www.pharmacy.costco.com and complete the required fields to create an account.

WILL I NEED A COSTCO MEMBERSHIP TO FILL MY PRESCRIPTION AT COSTCO?No, you do not need to have a Costco membership to utilize a Costco Retail or Costco Mail Order Pharmacy.


HDHP 3500 - HSA ELIGIBLE PLANAnnual Deductible In-Network Out-of-Network

Team Member Only $3,500 $4,000

Team Member Plus $5,250 $6,000

Co-Insurance 30% 50%

Annual Out-of-Pocket Maximum In-Network Out-of-Network



HDHP 1350 - HSA ELIGIBLE PLANAnnual Deductible In-Network Out-of-Network







HDHP 3500 - Rx InformationPrescriptions In-Network Costco In-Network Retail Mail Order Costco (90 day Supply) Out-of-Network

Generic $3 After Deductible $5 After Deductible $8 After Deductible Not Covered

Brand 20% After Deductible 20% After Deductible 20% After Deductible Not Covered

Non-Preferred 20% After Deductible 20% After Deductible 20% After Deductible Not Covered

Specialty* 20% After Deductible N/A N/A Not Covered

HDHP 1350 - Rx InformationPrescriptions In-Network Costco In-Network Retail Mail Order Costco (90 day Supply) Out-of-Network

Generic $3 After Deductible $5 After Deductible $8 After Deductible Not Covered

Brand 20% After Deductible 20% After Deductible 20% After Deductible Not Covered

Non-Preferred 20% After Deductible 20% After Deductible 20% After Deductible Not Covered

Specialty* 20% After Deductible N/A N/A Not Covered

* Specialty Copay Assistance Programs On behalf of the member, Costco Specialty Rx will seek manufacturer copay assistance programs to assist with member copays. Under your pharmacy benefit plan, you may have a deductible or an out-of-pocket maximum. Any specialty drug copay assis-tance program that is paid by the drug manufacturer or third party will not count towards your deductible or out-of-pocket maximum.

MEDICAL PLAN SUMMARIES


MEDICAL PLAN SUMMARIES (CONT.)

PPO (a Preferred Provider Organization) - FSA Eligible PlanAnnual Deductible In-Network Out-of-Network

Team Member Only $500 $1,000



Co-Pays In-Network Out-of-Network

Office Visit / Exam $20 40% After Deductible

Specialist Visit $50 40% After Deductible

Emergency Room $200, then 20% $200, then 20%




HMO (a Health Maintenance Organization) - FSA Eligible PlanAnnual Deductible In-Network Out-of-Network

Team Member Only $0 Not Covered

Team Member Plus $0 Not Covered

Co-Insurance N/A Not Covered

Co-Pays In-Network Out-of-Network

Office Visit / Exam $20 Not Covered

Specialist Visit $40 Not Covered

Emergency Room $200 $200


Team Member Only $3,000 Not Covered

Team Member Plus $6,000 Not Covered

PPO - Rx InformationPrescriptions In-Network Costco In-Network Retail Mail Order Costco (90 day Supply) Out-of-Network

Generic $15 $20 $20 Not Covered

Brand $55 $60 $120 Not Covered

Non-Preferred $95 $100 $200 Not Covered

Specialty * 20% to $100 N/A N/A Not Covered

HMO - Rx InformationPrescriptions In-Network Costco In-Network Retail Mail Order Costco (90 day Supply) Out-of-Network

Generic $3 $5 $10 Not Covered

Brand $25 $30 $60 Not Covered

Non-Preferred $45 $50 $100 Not Covered

Specialty * 20% to $100 N/A N/A Not Covered

* Specialty Copay Assistance Programs On behalf of the member, Costco Specialty Rx will seek manufacturer copay assistance programs to assist with member copays. Under your pharmacy benefit plan, you may have a deductible or an out-of-pocket maximum. Any specialty drug copay assistance program that is paid by the drug manufacturer or third party will not count towards your deductible or out-of-pocket maximum.


MEDICAL PLAN RATES

Per Paycheck Non Tobacco User RatesHDHP 3500 Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $232.75 $204.75 $28.00

Team Member + Spouse $491.50 $393.00 $98.50

Team Member + Child(ren) $444.75 $377.50 $67.25

Team Member + Family $703.25 $597.00 $106.25

HDHP 1350 Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $264.00 $204.75 $59.25




PPO Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $276.75 $204.75 $72.00




HMO Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $320.50 $204.75 $115.75




Per Paycheck Tobacco User RatesHDHP 3500 Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $232.75 $184.75 $48.00




HDHP 1350 Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $264.00 $184.75 $79.25




PPO Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $276.75 $184.75 $92.00




HMO Total Cost Allegiant Pays Team Member Per Paycheck Premium

Team Member Only $320.50 $184.75 $135.75





ALLEGIANT PROVIDES THE FOLLOWING BENEFITS TO TEAM MEMBERS IF ENROLLED IN AN ALLEGIANT MEDICAL PLAN: Advance Medical yy 855.201.9778 MONDAY-FRIDAY 8 A.M. – 11 P.M. EST yy WWW.ADVANCE-MEDICAL.NET/ALLEGIANT

Advance Medical provides you and your spouse, children and extended family members (parents, adult children, parents-in-law, siblings, aunts/uncles and grandparents) the peace of mind of receiving an expert second opinion by a Physician Case Manager. Advance Medical will facilitate the collection of your medical records and use them to assist you by:

y� Evaluating diagnoses and treatment plans y� Assisting in medical navigation y� Assisting with medical interpretation y� Helping you to facilitate provider relationship y� Monitoring of case updates

BUNDLED WITH ALLEGIANT MEDICAL

HealthJoy855.947.6900 DOWNLOAD THE HEALTHJOY APP! HealthJoy is the first stop for all your healthcare and em-ployee benefits needs. Access all your benefits instantly through the HealthJoy smartphone app. They make everything simple, quick and painless. They will save you time, money and a ton of aggravation. Their app gives you access to:yy Online Medical Providers With Prescription Writing - Anytime, Anywhere - 24/7yy LIVE Healthcare Conciergeyy Provider Recommendationsyy Rx Savings Reviewyy Medical Bill Reviewyy HSA/FSA Supportyy Digital Benefits Wallets

REMEMBER TO ACTIVATE YOUR ACCOUNT WHEN YOU RECEIVE YOUR WELCOME EMAIL!

VISION


What medical conditions can HealthJoy address?

Below is a sample of medical conditions

that HealthJoy providers can evaluate:

Abrasions, bruises

Colds, flu and fever

Sore throat, cough, congestion

Allergies, hives, skin infections Bites

and stings

Minor headaches, arthritic pains

Medication refills (short-term)*

Diarrhea, vomiting, nausea Urinary

tract infections Headaches, body aches

Eye infections, conjunctivitis

And more!

The program is available to you, your spouse

and children up to the age of 26.

*Prescriptions cannot be written for controlledsubstances or elective medications.

Haven’t activated your account? www.HealthJoy.com/activate/

A NEW Online Medical Consultation Program for you and your family!We are pleased to announce that you and your family

now have access to HealthJoy’s Online Medical

Consultations. Online consultations allow you to reach

a medical provider via the HealthJoy iPhone or

Android app or by calling (877) 500-3212.

What are online consultations?Illness or injury can strike suddenly. Online

consultations give you and your family access

to medical help via the HealthJoy app, anytime,

anywhere. Using HealthJoy’s network of US-

licensed, board-certified medical providers, you

can connect with a provider, receive a diagnosis

and personalized treatment plan, including

prescriptions for common medications.

How does it work?

When you have a health issue, open the

HealthJoy app and go to the main menu. Select

“Talk to a care provider” and follow the

prompts. Your provider will review your

medical history and perform a video exam or

phone consultation within minutes. You will

then receive a medical record and care

instructions electronically, with any necessary

prescriptions sent to your local pharmacy. The

entire online visit is completed on average

within 30 minutes or less.

I N T R O D U C I N G


Dental PlanTo view claims: Log into Mybenefits.Metlife.comFor assistance with claims: Call MetLife at - 1-800-METLIFE Monday-Friday: 8:00 am - 11:00 pm EST.

In 2019, we are offering two dental plans from MetLife. Dental: Basic and Buy-Up. The dental plans are a preferred provider option that include a network of dental providers. You receive benefits whether you seek care from an in-network or out-of-network dentist. Note: Not available to Team Members covered under TeamCare Benefits

DENTAL CARE

If you choose to visit an in-network dentist, you will enjoy lower out-of-pocket costs. Both plans use the MetLife network of providers. Preventive care is covered by the dental plan 100% (including two cleanings every 12 months). Also, preventive care does not count toward your annual maximum benefit.

Dental Care SummaryAnnual Deductible Basic In-Network Basic Out-of-Network Buy-Up In-Network Buy-Up Out-of-Network

Team Member Only $25 $50 $25 $50

Team Member Plus $75 $150 $75 $150

Benefit Basic In-Network Basic Out-of-Network Buy-Up In-Network Buy-Up Out-of-Network

Preventive Care 100% 100% 100% 100%

Basic Services 90% 80% 90% 90%

Major Services 60% 50% 60% 60%

Annual Maximum Benefit $1,200 $750 $2,000 $2,000

Orthodontia Basic In-Network Basic Out-of-Network Buy-Up In-Network Buy-Up Out-of-Network

Orthodontia50%-$1,000 lifetime

maximum

50%-$1,000 lifetime

maximum

50%-$1,500 lifetime

maximum

50%-$1,500 lifetime

maximum

Dependent Restriction Child(ren) to age 26 Child(ren) to age 26 Child(ren) and adults Child(ren) and adults

Dental Care RatesCoverage Type Basic Per Paycheck Buy-Up Per Paycheck

Team Member Only $6.00 $9.25

Team Member + Spouse $16.00 $19.25

Team Member + Child(ren) $10.50 $21.50

Team Members + Family $20.50 $31.50


Vision PlanEyeMed Member Services:

yy 866.804.0982 yy www.eyemed.com

The vision plan is a preferred provider option that includes a network of eye care providers. You receive the maximum benefits of the plan and pay less out-of-pocket when you seek care from an in-network provider. Note: Not available to Team Members covered under TeamCare Benefits

VISION CARE

Vision Care SummaryBenefit In-Network Out-of-Network

Eye Exam (every 12 months) $20 co-pay Up to $50 Allowance

Frames (every 12 months) $0 co-pay; $130 allowance Up to $70 allowance

Contact Lens Care (in lieu of lenses/frames) $0 co-pay; $130 allowance Up to $105 allowance

Lenses (every 12 months) In-Network Out-of-Network

Single $20 co-pay Up to $50 allowance

Bifocal $20 co-pay Up to $75 allowance

Trifocal $20 co-pay Up to $100 allowance

Vision Care RatesCoverage Type Per Paycheck

Team Member Only $0.75

Team Member + Spouse $1.75

Team Member + Child(ren) $2.50

Team Members + Family $3.75

Additional Hearing Benefit In addition to vision, EyeMed has teamed up with Amplifon, the nation’s largest independent hearing discount network, which means that now Team Members have access to discounted pricing on hearing exams and materials


Life InsuranceSymetra Member Services: 877.377.6773 yy www.Symetra.com

Allegiant provides Basic Life and Accidental Death and Dismemberment (AD&D) insurance equal to one time your annual base salary up to a maximum of $150,000. This is at no cost to all full-time employees.

Beneficiary Designation It is important to designate a beneficiary for your life insurance benefits. The beneficiary is the person who will receive the life and/or AD&D benefit in the event of your death. Even if you waive all other coverage, please complete or update the Beneficiary Section in the Benefits Center during enrollment for the employer-paid group life insurance. *Pilots, refer to CBA

Long Term Disability Insurance Symetra Member Services: 877.377.6773 yy www.Symetra.com

This plan provides a source of income if you are disabled for 90-days or more due to an illness or injury. You are paid 60% of your monthly earnings, up to a maximum of $5,000 per month. Allegiant pays the full cost of this benefit. You do not pay tax on the premium, so any benefits you receive will be taxed. *Pilots, refer to CBA

Employee Assistance Program (EAP) ComPsych Member Services: 800.272.7255 yy www.guidanceresources.com

The Employee Assistance Program offers free, confidential support to Team Members day or night. Representatives can assist in finding resources and information on issues including:

üyMental health and well-being üyPersonal and professional struggles üySubstance abuse üyFamily life üyFinancial information and resources üyLimited legal support and resources

This benefit is available to both part-time and full-time Team Members and their household members or family. There is no sign-up required and the cost of this benefit is paid 100% by Allegiant. The benefit includes up to five sessions annually per issue for each member of your household.

ALLEGIANT PROVIDED PLANSAllegiant provides the following benefits at no cost to Team Members:


Allegiant provides you access to the following voluntary plans. These plans are offered by our vendors at a low, group rate cost. Team Members may enroll in any or none of the following plans. Premiums for these plans will be deducted on a per paycheck basis.

Critical Illness Symetra Member Services: 800.497.3699 • www.Symetra.com We continue to offer critical illness in 2019. This coverage provides you with a lump sum payment upon the first diagnosis of a covered condition once coverage is in effect. Covered conditions include cancer, heart attack and various other critical illnesses.

You may elect coverage for yourself, spouse and/or child(ren). The benefit amount for yourself is $20,000. If elected, the guaranteed issue amount for your spouse is $10,000. The benefit amount for child(ren) is $5,000. There is also an annual health screening benefit included in an amount of up to $100 for certain x-ray and laboratory tests.

OPTIONAL VOLUNTARY PLANS

Per Paycheck Non-Tobacco User RatesAttainedAge Team Member Team Member +Spouse Team Member +Child(ren) Team Member +Family

<25 $3.51 $6.31 $3.89 $6.68

25-29 $3.93 $6.94 $4.31 $7.31

30-34 $4.63 $7.98 $4.97 $8.31

35-39 $6.42 $10.66 $6.77 $11.00

40-44 $8.97 $14.49 $9.30 $14.81

45-49 $12.21 $19.35 $12.51 $19.65

50-54 $17.14 $26.75 $17.44 $27.05

55-59 $23.86 $36.84 $24.17 $37.13

60-64 $33.49 $51.24 $33.78 $51.56

64-69 $53.38 $81.10 $53.71 $81.43

70-74 $72.01 $109.10 $72.35 $109.30

75-79 $95.90 $144.96 $96.25 $145.17

80-84 $126.01 $189.99 $126.01 $190.13

85+ $185.81 $279.86 $185.81 $279.86

Per Paycheck Tobacco User RatesAttainedAge Team Member Team Member +Spouse Team Member +Child(ren) Team Member +Family

<25 $3.51 $6.31 $3.89 $6.68

25-29 $4.18 $7.30 $4.60 $7.72

30-34 $5.70 $9.59 $6.17 $10.05

35-39 $8.83 $14.28 $9.38 $14.81

40-44 $14.43 $22.69 $15.01 $23.24

45-49 $21.74 $33.65 $22.34 $34.24

50-54 $32.11 $49.21 $32.71 $49.81

55-59 $46.32 $70.54 $46.94 $71.12

60-64 $67.96 $102.90 $68.56 $103.56

64-69 $110.63 $166.95 $111.33 $167.65

70-74 $144.05 $217.23 $144.75 $217.64

75-79 $172.72 $260.24 $173.37 $260.64

80-84 $195.76 $294.57 $195.76 $294.80

85+ $229.70 $345.72 $229.70 $345.72


Accident CoverageSymetra Member Services: 800.497.3699 yy www.Symetra.com

We continue to offer accident coverage in 2019. You can select this additional insurance to help cover you and your dependents. You would be covered up to $5,000 in eligible expenses per accident occurrence to up a maximum of three occurrences per person per calendar year.

OPTIONAL VOLUNTARY PLANS (CONT.)

Short Term Disability Symetra Member Services: 877.377.6773 yy www.Symetra.com

Allegiant offers optional short-term disability. This plan provides a source of income for up to 11 weeks, should you become disabled due to a non-work related illness or injury. A 14-day waiting period applies. You are paid 60% of your weekly earnings, up to a maximum of $2,500 per week. Because you pay the premium after tax, the benefits you receive may not be taxable, and premiums are paid via payroll deductions. Rates are based on your age and salary. Team Members who elect this benefit during the initial offering will be guaranteed issuance without completing an Evidence of insurability (EOI). Future elections after your initial enrollment period may be subject to an EOI.

You can use the chart to the right and the information below to determine your short-term disability benefit and premium cost.

Divide your annual salary by 52 (weeks), then multiply it by 60%, this will be your weekly benefit amount. If this amount exceeds $2,500 your benefit amount will be capped at $2,500. Multiply your weekly benefit amount by your rate from the chart above and then divide this number by 20. This will give you your per paycheck premium cost. For example:

Accident Coverage RatesCoverage Type Per Paycheck

Team Member Only $9.41

Team Member + Spouse $20.05

Team Member + Child(ren) $15.42

Team Members + Family $27.91

STD Age Coverage RatesAge Rate per $10

<45 $0.20

45-49 $0.22

50-54 $0.28

55-59 $0.35

60-64 $0.44

65+ $0.48

Sample STD Coverate Rate CalculationSalary Weekly Benefit Age Rate Per Paycheck

$52,000 $600 ($52,000/52) x .60 45 $0.22 $6.60 (600x.22)/20


Life Insurance Symetra Member Services: 877.377.6773 yy www.Symetra.com

VOLUNTARY LIFE/ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Allegiant gives you the opportunity to buy valuable life insurance coverage for yourself, your spouse, and your dependent children – all at affordable group rates. You pay for the voluntary premiums through payroll deductions. Rates are based on amount of benefit coverage and age.

1. Team Members who elect voluntary life during their initial offering will be guaranteed a benefit up to $100K (not to exceed 5 times your basic annual earnings) without completing an Evidence of insurability (EOI). Future increases after your initial enrollment or amounts above the guaranteed issuance will be subject to an approved EOI.

2. Employee coverage available in increments of $10K, spouse available in $5K, child available in $1K. 3. Accidental Death & Dismemberment (AD&D) coverage provides a benefit in the event of death or dismemberment

resulting from a covered accident.

OPTIONAL VOLUNTARY PLANS (CONT.)

Dependent Child Life Insurance Rates

Coverage Amount Per Paycheck Premium

$1,000 $0.11

$2,000 $0.22

$4,000 $0.45

$5,000 $0.56

$10,000 $1.12

Voluntary Life + AD&D Benefit SummaryTeam Member Spouse Child

Guaranteed Issuance (new hire)1,2 $100K $25K $10K

Overall Maximum Benefit Available Lesser of 5 times your basic annual earnings or $500K $250K $10K

AD&D Coverage3 Yes Yes Yes

Team Member Contribution 100% 100% 100%

Team Member and Spouse Voluntary Life + AD&D Insurance rate chart

Age $1,000 $10,000 $20,000 $40,000 $50,000 $100,000

Under 30 $0.05 $0.55 $1.09 $2.18 $2.73 $5.45 30-34 $0.05 $0.55 $1.09 $2.18 $2.73 $5.45 35-39 $0.08 $0.77 $1.54 $3.08 $3.85 $7.70 40-44 $0.11 $1.12 $2.24 $4.48 $5.60 $11.2045-49 $0.16 $1.60 $3.19 $6.38 $7.98 $15.9550-54 $0.25 $2.55 $5.09 $10.18 $12.73 $25.4555-59 $0.43 $4.35 $8.69 $17.38 $21.73 $43.4560-64 $0.60 $6.06 $12.09 $24.18 $30.23 $60.4565-69 $1.11 $11.15 $22.29 $44.58 $55.73 $111.4570+ $1.93 $19.32 $38.64 $77.28 $96.60 $193.20


FINANCIAL, LEGAL, ID THEFT & OTHER PROGRAMS

Employee Stock Purchase Program (ESPP) Fidelity Member Services: 800.544.9354 • www.netbenefits.com

Own a piece of Allegiant! We are very proud to offer an ESPP to all eligible Team Members. An ESPP is a program which enables you to buy Company stock at a discount, through payroll deductions. You incur no fees to buy our stock or for Fidelity’s (our Investment Company) account maintenance. Nominal fees are charged when selling stock, which Fidelity will advise you of at the time you plan to sell. Team Members are eligible to sign-up for the program in either April or October each year, following their first three (3) months of continuous employment. For more information: https://g4connect.allegiantair.com/espp

401(k) Fidelity Member Services: 800.835.5097 • www.netbenefits.com Allegiant offers a 401 (k) “Safe Harbor” Plan to all eligible Team Members. We offer a “Safe Harbor” 401(k) matching contribution in an amount equal to 100% of the first 3% of your contribution and 50% of the next 2% of your contribution. The matching contribution is immediately 100% vested and non-forfeitable . Team Members are eligible to sign-up for the program at any time following the beginning of the quarter after the completion of their first three (3) months of continuous employment. For more information visit: https://g4connect.allegiantair.com/401k-program *Pilots, refer to CBA

Voluntary Legal Benefits by U.S. Legal U.S. Legal Services: 800.356.5297 • www.uslegalservices.net Allegiant offers all Team Members a voluntary legal benefit plan. Services include telephonic and office consultations on numerous legal matters, some of which include family matters, Chapter 7 and Chapter 13 Bankruptcy and Civil Law. For more information visit: www.MyAllegiantBenefits.com

U.S. LEGAL RATES Per Paycheck Team Member and Family $8.45 (covers children up to age 26)

Voluntary Identity Theft by InfoArmor InfoArmor: 800.789.2720 •Email: [email protected]

Protect your family’s privacy, identity and finances with PrivacyArmor Plus. This includes comprehensive identity monitoring, fraud remediation and restoration and identity theft reimbursement. For more information visit:www.MyAllegiantBenefits.com

INFOARMOR RATES Per Paycheck Team Member $4.98Team Member and Family $8.98 (covers children up to age 26)

Educational Assistance Allegiant offers tuition reimbursement for Full Time and Part Time Team Members each year. ($4500 for full time team members and $2500 for part time team members). Courses and programs must be directly or indirectly re-lated to your career. Team Members must have completed six months of service, apply before the course begins, and pass with a grade of B or better.

https://g4connect.allegiantair.com/educational-assistance

Adoption Program We are happy to offer an Adoption Benefit Program. Team Members who have completed 12 months of service are eligible for reimbursement up to $8,000 in eligible expenses.

https://g4connect.allegiantair.com/adoption-benefit-program

Deals & Discounts Team Members live in exciting places and love to travel just as much as our passengers. We have dozens of part-nerships with local business and nationwide companies to provide you with the same great rates as the people we fly! Deals and discounts are always changing, so be sure to visit the pages often.

https://g4connect.allegiantair.com/deals


You can change, add, or drop coverage outside of Open Enrollment if you experience a qualifying ‘life event’ WHAT IS A ‘LIFE EVENT’? Generally, a life event is a situation in which your family size or your availability for other insurance coverage changes. A change in your life can make you eligible for a Special Enrollment Period to enroll in health care coverage through Allegiant outside of the Open Enrollment period.

EXAMPLES OF A LIFE EVENT INCLUDE: yy Marriage or divorce yy Birth, adoption, or death of a dependent yy Loss of other insurance coverage (i.e. your spouse loses their job-based coverage.) yy Gain of other insurance coverage

WHAT IS THE TIME LIMIT TO MAKE BENEFIT CHANGES AFTER A ‘LIFE EVENT’? You must notify the Allegiant Benefits Center within 31 days of the date of the life event, even if you don’t have the required documentation.

WHAT STEPS DO I NEED TO TAKE IF I EXPERIENCE A ‘LIFE EVENT’? yy Notify the Allegiant Benefits Center within 31 days of the date of the Life Event. yy Provide required documentation necessary as evidence of the event. See the Benefits Center or G4Connect for examples of required documentation. yy Complete a life event enrollment in the Benefit Center within that 31 day period.

WHAT HAPPENS AFTER I SUBMIT MY LIFE EVENT CHANGES? Your life event, documentation and benefit elections will be reviewed by the Allegiant Benefits Center. If approved, you will receive a Benefit Confirmation Statement from the Benefits Center. Your payroll deductions will be updated and you will be reimbursed or owe for any missed premiums dating back to the original date of the life event.

WILL I RECEIVE UPDATED INSURANCE CARDS? Yes, within 14 business days of your changes being approved you will receive updated insurance cards from the benefit vendors if needed based on the changes made.

WHAT HAPPENS IF I MISS THE 31 DAY WINDOW TO MAKE CHANGES? If you miss the 31 day window, you will not be able to make changes until the next open enrollment period. Open enrollment is held in the fourth quarter of the calendar year with an insurance effective date of January 1.

LIFE EVENT


GLOSSARY401(k) A defined contribution plan where you can make contributions from your paycheck either before or after-tax, depending on whether you contribute to the traditional 401(k) or the Roth 401(k) option. The contributions go into the 401(k) account and you choose the investments based on options provided under the plan. Allegiant provides a match to your contributions.

Accidental Death & Dismemberment Insurance (AD&D) A rider attached to the life insurance policy covering death by accidental means and dismemberment, including the loss of or the loss of use of body parts or functions (meaning limbs, speech, eyesight or hearing).

AmeriBen The company that processes and pays your medical claims.

Blue Cross Blue Shield (BCBS)Network of medical and facility providers for which we are contracted with.

BeneficiaryA person or group of persons, designated as the recipient of the benefits of your insurance policy.

Custom Benefits Consultants (CBC)The benefits administration company that can answer questions about claims, benefits, and so much more. They are available to answer questions year round as well as during open enrollment.

DeductibleThe amount you must pay before an insurance company will make a payment.

Employee Assistance Program (EAP) A company-paid benefit which provides support and/or counseling for entire family through many types of personal and professional issues.

Evidence of Insurability (EOI)A statement of medical history and related information completed by you, which the insurance company will use to determine whether you will be approved for coverage.

FSA Dependent Care (FSA)A Dependent Care Flexible Spending Account lets you use tax-exempt funds to pay for childcare expenses you incur while at work. You can also use FSAs to cover adult day-care expenses for elderly family members who live in your home. All contributions need to be used within the year. Any “unused” funds are forfeited.

FSA Medical Care (FSA)A Medical Care Flexible Spending Account lets you use tax-exempt funds to pay for qualified out-of-pocket health care costs. All contributions need to be used within the year. Any “unused” funds are forfeited.

HealthJoyHealthJoy is an all-in-one healthcare guidance and engagement platform that empowers employees to make better healthcare decisions.

Health Savings Account (HSA)A medical savings account made available to you when you enroll in a high-deductible health plan (HDHP). Any funds you contribute to your HSA are not subject to federal income tax. Any unused balance can be rolled over at the end of the year.

High Deductible Health Plan (HDHP)A health insurance plan with lower premiums and higher deductibles than a traditional health plan. Being covered by an HDHP is also a requirement for having a Health Savings Account (HSA).

PremiumThe amount deducted from each paycheck to pay the employee portion of the cost for each of the benefits you have selected.

Per PaycheckPremiums will be deducted from the first two paychecks of each month.

Safe HarborA Safe Harbor 401(k) plan is similar to a traditional 401(k) plan, but among other things, it requires the company to match your contributions up to a certain amount and the contributions must be 100% fully vested when made. The Company’s matching contributions may be limited to employees who participate in the plan.


Plan/Carrier Phone # Web/EmailMedical

Advance Medical 855.201.9778 www.advance-medical.net/Allegiant

Health Savings Account (HSA) Control Source 877.652.7872 [email protected]

Flexible Spending Account (FSA) Control Source 877.652.7872 [email protected]

HealthJoy 877.500.3212 https://healthjoy.com

COBRA 877.652.7872 [email protected]

Costco RX 877.908.6024 www.costcohealthsolutions.com

Dental

MetLife 800.638.5433 www.metlife.com

Vision

EyeMed 866.804.0982 www.eyemed.com

Ancillary Plans

Behavioral Health EAP - ComPsych (EAP) 800.272.7255 www.guidanceresources.com

Life Insurance (Basic & Voluntary)-Symetra 877.377.6773 www.symetra.com

Long Term Disability/Short Term Disability-Symetra 877.377.6773 www.symetra.com

Accident/Critical Illness-Symetra 800.497.3699 www.symetra.com

InfoArmor 800.789.2720 [email protected] Health

ESPP 800.544.9354 www.netbenefits.com

401(K) - Fidelity 800.835.5097 www.fidelity.com

U.S. Legal 800.356.5297 www.uslegalservices.net Allegiant Contacts

Allegiant Benefits Center 855.676.6860 www.MyAllegiantBenefits.com

Benefits Team 702.589.8080 [email protected]

Benefits Fax 702.589.8132

Leave of Absence - LOA 702-444-2718 [email protected]

Crew Leave of Absense 702.830.8120 [email protected]

Workers Compensation 702-444-2718 [email protected]

Corporate Travel 702.589.8098 [email protected]

CONTACTS


ONLINE BENEFITS CENTERAt the Allegiant Benefits Center you will find a dedicated benefits portal for you and your family. This site is designed to provide quick, concise and in-depth benefits information. It allows you 24-hour access to benefits related forms, plan details and enrollment options.

www.MyAllegiantBenefits.com Your username is the first initial of your first name and first initial of your last name followed by your date of birth (mmddyyyy) with no spaces in between. (For example: if “Linda Test” was born on September 17, 1971, her ID would be “LT09171971”). Your password is the last 6 digits of your Social Security number (example: 456789).

Documents

TABLE OF CONTENTS - CBCins · 2019-11-06 · Allegiant has to pay them all, whereas if we were fully funded, Anthem would have to pay them. Here’s what this means for each of us: