CONTINUED ON THE NEXT PAGE KNOW YOUR BENEFITS • Coinsurance—The amount or percentage that you pay for certain covered health care services under your health plan. This is typically the amount paid after a deductible is met, and can vary based on the plan design. • Covered Expenses—Health care expenses that are covered under your health plan. • Deductible—A specific dollar amount you pay out of pocket before benefits are available through a health plan. Under some plans, the deductible is waived for certain services. • Dependent—spouses and children who meet eligibility requirements under a health plan and are enrolled in the plan as a dependent. Spouses are eligible for Achieva’s healthcare plan if they do not have access to healthcare through their employer. • Exclusive Provider Organization (EPO)—A health plan that offers in-network benefits only. Members must choose one of the in-network providers or facilities to receive benefits (except in emergency situations). • Flexible Spending Account (FSA)—An account that allows you to save tax-free dollars for qualified medical and/or dependent care expenses that are not reimbursed. You determine how much you want to contribute to the FSA at the beginning of the plan year. There is no rollover or grace period for Achieva’s 7/1/2024 FSA plans. • Inpatient—A person who is treated as a registered patient in a hospital or other health care facility. Open Enrollment Glossary of Terms Open enrollment is the time of year reserved for you to make changes to your benefit elections, and unfamiliar terms can make this process confusing. Use these definitions of common open enrollment terms to help you navigate your benefits options.