24-0094_Attachment 1_Illinois Tollway 2025-26 Benefits Guide.pdf

2025-2026 Employee Benefits Guide

Illinois State Toll Highway Authority

Contents

Getting Started

4 Who’s eligible for benefits?

5 Changing your benefits

Medical, Dental & Vision

7 Which plan is right for you?

8 Preventive Care

9 Aetna Medical plans

11 Aetna Dental plan

12 Aetna Discount Vision plan

13 EyeMed Voluntary Vision plan

14 Healthcare flexible spending account (FSA)

Take Control of Your Health

16 Know where to go

17 Alternative Facilities

18 CVS MinuteClinic and $10 Care Pass

19 Prescription drug tips

20 CVS Health Virtual Care (Telemedicine)

21 Transform Oncology Program

22 Aetna $100 Fitness Reimbursement Program

Financial Wellness

24 Basic life and AD&D

25 Voluntary life and AD&D

26 Dependent care FSA (DCAP)

27 Transportation and Parking benefits

28 Tuition and Banking benefits

29 Deferred compensation and SERS Pension

30 Medicare navigation and resources

Wellbeing & Balance

32 Employee assistance program (EAP)

33 LifeMart discount program

34 Aetna wellness resources and discounts

36 Time off

Important Plan Information

38 Your benefit costs

41 Plan contacts

42 Benefit terms glossary

44 Plan notices & documents

This guide is an overview and does not provide a complete description of all benefit provisions. For more detailed information, please refer to your plan benefit booklets. The plan benefit booklets determine how all benefits are paid. The plan benefit booklet will prevail all information provided in this Benefit Guide.

Getting Started

At the Illinois State Toll Highway Authority (Tollway), we value your contributions to our success and want to provide you with a benefits package that protects your health and helps your financial security, now and in the future. We continually look for valuable benefits that support your needs, whether you are single, married, raising a family, or thinking ahead to retirement. We are committed to giving you the resources you need to understand your options and how your choices could affect you financially.

This guide is an overview and does not provide a complete description of all benefit provisions. It also includes helpful tips to help you understand your coverage, save time and money on healthcare, reduce taxes, and balance your work and home life.

For more detailed information, please refer to the plan benefit booklets. The plan benefit booklets determine how all benefits are paid. A list of plan contacts is included in the back of this guide.

The benefits in this summary are effective:

March 1, 2025, through February 28, 2026

Medicare Part D Notice

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage.

Please see the Important Notices section for more details.

If anything in this summary contradicts with your Plan Document, the Plan Document will prevail.

To watch the helpful videos placed throughout the guide, please review the PDF outside of the CITRIX platform.

Who’s eligible for benefits?

Employees

You are eligible if you are an active employee working 30 or more hours per week.

Hours that count toward full-time status include each hour for which an employee is paid or entitled to payment for the performance of duties for the employer, and each hour for which an employee is paid or entitled to payment for a period of time during which no duties are performed due to vacation, holiday, illness, incapacity (including disability), layoff, jury duty, military duty, or leave of absence.

Eligible dependents

You can enroll the following family members in our medical, dental, vision, and voluntary plans.

• Legally married spouse under state law, including a same-sex spouse

• Biological, adopted, legal, or stepchildren up to age 26, including legal guardianship and foster children

• Children over age 26 who are disabled and depend on you for support

• Children named in a qualified medical child support order (QMCSO)

For additional coverage information, please refer to the benefit booklets for each benefit.

When you can enroll

New employees become eligible for benefits on their first date of hire and will make benefit elections during onboarding.

New employees who do not make an election within 10 calendar days from their date of hire will automatically be enrolled into the Open Access Aetna Select Plan EPO (HMO).

Existing employees can enroll during the annual open enrollment period.

If you miss the enrollment deadline, you'll need to wait until the next open enrollment, unless you have a qualifying life event.

Who is not eligible

Certain employees and family members who are not eligible for coverage include (but are not limited to):

• Full-time employees who work fewer than 30 hours per week, temporary employees, and contract employees

• Domestic partners

• Parents, grandparents, and siblings

• Grandchildren, if not under your legal guardianship or foster care

Changing your benefits

Outside of open enrollment, you may be able to enroll or make changes to your benefit elections if you have a big change in your life, including:

• Change in legal marital status

• Change in number of dependents or dependent eligibility status

• Change in employment status that affects eligibility for you, your spouse, or dependent child(ren)

• Change in residence that affects access to network providers

• Change in your health coverage or your spouse’s coverage due to your spouse’s employment

• Change in your or a dependent’s eligibility for Medicare or Medicaid

• Court order requiring coverage for your child

• “Special enrollment event” under the Health Insurance Portability and Accountability Act (HIPAA), including a new dependent by marriage, birth or adoption, or loss of coverage under another health insurance plan

• Event allowed under the Children’s Health Insurance Program (CHIP) Reauthorization Act (you have 60 days to request enrollment due to events allowed under CHIP).

You must submit any changes within 31 calendar days from the the event.

Life happens

A change in your life may allow you to update your benefit choices. Watch the video for a quick take on your options.

Click to play video https://vimeo.com/609862281/36b08fb1f6

Healthcare

Medical We offer two (2) medical plans so you can choose the best fit for your health concerns and budget.

• Aetna Open Access Select EPO (HMO)

• Aetna Choice POS II (PPO)

Dental Regular checkups and cleanings are fully covered. If you do need more care, insurance helps cover the cost for fillings, gum disease, orthodontia, and more. Dental coverage is automatically included when you sign up for medical coverage. Dental coverage is combined with your medica coverage through Aetna.

• Aetna Dental PDO/PDN PPO

Vision While our Aetna plan provides basic vision coverage through our available discount program, our voluntary vision plan through EyeMed helps cover the cost of eye exams, eyeglasses, and contact lenses to ensure you’re seeing and feeling your best.

• Aetna Vision Discount Program

• Voluntary Vision EyeMed (Insight Network)

Our Commitment

We believe our employees should have access to healthcare coverage that promotes preventive care and helps cover the cost of illness.

Eligible employees and their eligible dependents can enroll in medical, dental, and voluntary vision coverage through the Illinois State Toll Highway Authority (Illinois Tollway) benefits program.

Make time for your health

Play the Health Lingo Game!

https://vimeo.com/567584004/0fcc552ff7

Finding a Doctor or Specialist Need to find a doctor or specialist? Want to confirm if your providers are in the network?

Review the steps below to get started.

I. Visit www.aetna.com

II. Select the Find a Doctor feature in the on the homepage tool bar

III. Sign In or Search as a guest with a plan from an employer

IV. Continue as a guest and enter the doctor’s city or zip code and select search

V. On the Select Plan page, select a plan under Aetna Open Access Plans:

I. HMO: Aetna Select Open Access EPO

II. PPO: Aetna Choice POS II (Open Access)

VI. Enter your provider’s name. If results load, the provider is in-network with the selected plan.

Which plan is right for you?

Medical Plan I: Open Access Aetna Select EPO (HMO)

• Not required to have a primary care physician on file

• Choose any PCP from the network

• Visit any doctor or specialist in the network without a referral

• Lower healthcare costs with predictable out-of-pocket costs

• Out-of-network care is not covered except in an emergency.

You are not required to choose a primary care physician (PCP) or to get a referral for specialist visits, but we do recommend that you select a PCP to manage routine care and hospital stays.

Medical Plan II: Aetna Choice POS II (PPO)

• Not required to have a primary care physician on file

• Visit any doctor or specialist in the network without a referral

• You want coverage for out-of-network providers (at a higher cost).

This plan gives you flexibility and choice, for a price. You can go to any doctor without a referral, but you will pay a larger share of the cost if they are not in the plan's network. You must meet an annual deductible before the plan starts to pay.

https://www.aetna.com/individuals-families/find-a-doctor.html

Preventive care You take your car in for maintenance; why not do the same for yourself?

Annual preventive checkups can help you and your doctor identify your baseline level of health and detect issues before they become serious.

Health plans are required to cover a set of preventive services at no cost to you, even if you haven’t met your deductible. The preventive care services you’ll need to stay healthy vary by age, sex, and medical history.

Be aware: Not all exams and tests are considered preventive care

Certain screenings may be considered diagnostic, rather than preventive, based on your current medical condition. You may be responsible for paying all or a share of the cost for those services.

In addition, exams performed by specialists are generally not considered preventive care and may not be covered at 100%.

If you have a question about whether a service will be covered as preventive care, contact your medical plan.

Typical screenings for adults

• Blood pressure

• Cholesterol

• Diabetes

• Colorectal cancer screening

• Depression

• Mammograms

• OB/GYN screenings

• Prostate cancer screening

• Testicular exam

Medical Plan Comparison

You always pay the deductible and/or copayment ($). Referrals are not required for primary or specialist office visits. Under the HMO plan, there is no out-of-network coverage. Under the PPO plan, you may be subject to pay the full cost for services when you seek care out of the network.

Plan Year Deductible and Out-of-Pocket Maximums run from March 1, 2025, through February 28, 2026

Open Access Aetna Select EPO (HMO) Aetna Choice POS II (PPO)

In Network Out-of-Network In Network Out-of-Network

Annual Deductible Individual: $0 Family: $0

Not covered Member pays 100%

Individual: $500 Family: $1,500

Individual: $500 Family: $1,500

Annual Out-of-pocket maximum

Individual: $1,500 Family: $3,000

Not covered Member pays 100%

Individual: $2,500 Family: $5,000

Individual: $5,000 Family: $10,000

Office visit Primary & Specialist

$15 copay; plan pays100%

Not covered Member pays 100%

$10 copay; plan pays 90% after deductible

Plan pays 70% after deductible

Preventive Services

Plan pays 100% Not covered

Member pays 100% Plan pays 100%

Plan pays 70% after deductible

Chiropractic $15 copay ; plan pays 100%

Not covered Member pays 100%

$10 copay ; plan pays 90% after deductible

Plan pays 70% after deductible

Lab and X-ray Plan pays 100%

Not covered Member pays 100%

Plan pays 90% after deductible

Plan pays 70% after deductible

Mental Health Inpatient: $100 copay

; plan pays100% Outpatient: $15 copay ; plan pays100%

Not covered Member pays 100%

Inpatient: $200 copay ; plan pays 90% after deductible Outpatient: Plan pays 90% after deductible

Inpatient: $200 copay; plan pays 70% after deductible Outpatient: Plan pays 70% after deductible

Urgent Care $15 copay then plan pays 100%

Not covered Member pays 100%

Plan pays 90% after deductible

Plan pays 70% after deductible

Emergency Room $100 copay ; plan pays 100% (copay waived if admitted)

$100 copay ; plan pays 100% (copay waived if admitted)

$250 copay ; plan pays 90% after deductible (copay waived if admitted)

$250 copay; plan pays 90% (copay waived if admitted)

Inpatient/ Hospitalization

$100 admission copay ; plan pays 100%

Not covered Member pays 100%

$200 admission copay ; plan pays 90% after deductible

$200 admission copay; plan pays 70% after deductible

Outpatient Surgery

$50 copay ; plan pays 100%

Not covered Member pays 100%

Plan pays 90% after deductible

Plan pays 70% after deductible

Medical Plans Comparison – Prescription

Prescription drug benefits are included with each of our medical plans. Visit www.aetna.com to find an in-network pharmacy and estimate the cost for specific drugs.

Plan Year Pharmacy Out-of-Pocket Limit runs from March 1, 2025, through February 28, 2026

Open Access Aetna Select EPO (HMO) Aetna Choice POS II (PPO)

In Network Out-of-Network In Network Out-of-Network

Annual Out-of-Pocket Limit

Individual: $1,500 Family:

$3,000

N/A N/A N/A

Pharmacy (Retail) 34-day supply limit

• Generic $10 copay;

plan pays 100%

Not covered Member pays 100%

$10 copay;

plan pays 100%

$10 copay;

plan pays 100%

• Preferred Brand You pay 25%

(min $10;

max $40)

Not covered Member pays 100%

You pay 35% (min $10;

max $25)

Your plan pays 35% (min:

$10; max; $25)

• Non-preferred Brand You pay 50%

(min $20;

max $80)

Not covered Member pays 100%

You pay 50% (min $20;

max $50)

Your plan pays 50% (min:

$20; max; $50)

Mail Order 90-day supply limit

• Generic $20 copay then plan pays

100%

Not covered Member pays 100%

$20 copay then plan pays

100%

Not covered Member pays 100%

• Preferred Brand You pay 25% (min $20;

max $80)

Not covered Member pays 100%

35% copay ($10 min/

$25 max)

Not covered Member pays 100%

• Non-preferred Brand You pay 50% (min $40;

max $160)

Not covered Member pays 100%

50% copay ($20 min/

$50 max)

Not covered Member pays 100%

Specialty 30-day supply limit

Formulary Brand 35%

($10 min/$40 max); Non-

Formulary Brand 50% ($20 min/$80 max)

Not covered Member pays 100%

Formulary Brand 35%

($10 min/$40 max); Non-

Formulary Brand 50% ($20 min/$80 max)

Not covered

All Rx fills must be through Aetna’s preferred specialty pharmacy network http://www.aetna.com/

Aetna Dental PDO/PDN with PPO II Plan

Regular visits to your dentists can protect more than your smile; they can help protect your health. Recent studies have linked gum disease to damage elsewhere in the body and dentists are able to screen for oral symptoms of many diseases including cancer, diabetes, and heart disease.

The Tollway provides you with dental coverage through Aetna when you sign up for medical coverage at no additional cost (both medical plans include Dental PPO coverage).

You always pay the deductible and copayment ($). The coinsurance (%) shows what the plan pays after the deductible.

Plan Year Deductible and Out-of-Pocket Maximums run from March 1, 2025, through February 28, 2026

In Network Out-of-Network

Annual deductible Individual: $50

Family: $150

Individual: $50 (combined with in-network)

Family: $150 (combined with in-network)

Annual plan maximum Individual: $2,000

Individual: $2,000 (combined with in-network)

Waiting Period None None

Diagnostic & preventive Plan pays 100%

Plan pays 100% of Usual & Customary after deductible

Basic services Includes Filings, Root Canals, and Periodontic Services

Plan pays 80% after deductible Plan pays 80% of Usual & Customary after deductible

Major services Includes Crowns, Bridges, Dentures and Implant Services

Plan pays 50% after deductible Plan pays 50% of Usual & Customary after deductible

Orthodontia (must be enrolled in medical plan)

Children: covered up to age 26 Adults: covered employees and spouses N/A

Orthodontia coverage Plan pays 50% after deductible

Plan pays 50% of Usual & Customary after deductible

Orthodontia lifetime maximum $2,000 $2,000

Interested in Virtual Dentistry Care?

Scan the QR code to learn more about these special services or visit dental.com/aetna.

Aetna Vision Discount Program

Routine vision exams not only correct vision but also detect more serious health conditions. When you enroll in one of the Aetna medical plans, you are automatically provided the vision discount program through the Aetna Medical network. To find vision discount provider locations visit your Aetna member account at www.aetna.com or call 800-793-8616.

Benefit Information Additional Notes

Routine Exam $0 copay per exam $49 copay for examination with out-of-network provider

MATERIALS

Frames 35% discount Prescription only

Lenses

Routine eye exam required to receive discount

Single $40 per pair

Bifocal $60 per pair

Trifocal $80 per pair

Lenticular 20% discount

Contacts $15-$45 copay Does not include disposable

Other Contact Lenses

15% discount

Standard Progressive (no-line bifocal) $125

Program does not include disposable contacts

Glasses 20% discount

Pediatric Vision $100 maximum per use

Due to the Affordable Care Act, Pediatric Vision Benefits will allow for unlimited, user per benefit period for glasses (to include frames and lenses)

LASIK 15% discount

Off standard prices or 5% off promotional prices for LASIK services obtained through the U.S. Laser Network. Members must call before scheduling an appointment

20% discount on all additional vision related items

Exam benefits are offered at a frequency of 1 visit every 12 months

EyeMed Voluntary Vision Plan

Need additional vision coverage for yourself and your dependents? This plan is voluntary and requires payroll deduction for premium cost. This is a voluntary benefit that can be enrolled in or opted out of at any time throughout the plan year. You can receive lenses or frames but not both.

Frequency Benefit Insight Network Out of Network

Exam Services

Once every 12 months from date of service

Exam $10 copay Up to $40

Retinal Imaging Up to $39 Not covered

Contact Lens Fit and Follow-Up

Once every 12 months from date of service

Standard

Premium

Up to $40

10% off retail price

Not covered

Not covered

Frames Once every 24 months from date of service

$0 copay; 20% off balance over $150 allowance Up to $105

Lenses Once every 12 months from date of service

Single Bifocal Trifocal Lenticular Progressive Standard Progressive Premium

$25 Copay $25 Copay $25 Copay $25 Copay $80 copay

$110 - $200 copay

Up to $30 Up to $50 Up to $70 Up to $70 Up to $50 Up to $50

Contacts Once every 12 months from date of service

Conventional & Disposable

Medical Necessary

$0 copay; 15% off balance over $150 allowance $0 copay

Up to $120

Up to $210

Discounts Hearing Care from Amplifon Network

(877) 203-0675

LASIK or PRK from U.S.

Laser Network

(800) 988-4221

Additional Pair of Prescription Glasses

Up to 64% off hearing aids

15% off retail or 5% off promo price

40% off

Not covered

Not covered

Not covered

Need assistance finding an in-network eye doctor?

Visit www.eyemed.com to locate an in-network (Insight) provider, call (866) 804.0982, or download the EyeMed Members Mobile App.

http://www.eyemed.com/

Healthcare flexible spending account (FSA)

Set aside healthcare dollars for the year

A healthcare FSA allows you to set aside tax-free money to pay for healthcare expenses you expect to have over the coming year. This program is administered by P&A Group.

How the Healthcare flexible spending account works

• You estimate what your and your dependents’ out-of-pocket costs will be for the coming year. Think about what out-of-pocket costs you expect to have for eligible expenses such as office visits, surgery, dental and vision expenses, prescriptions, and certain drugstore items.

• You can contribute a minimum of $120 up to $3,300, the annual limit set by the IRS. Contributions are deducted from your pay pre-tax, meaning no federal or state tax on that amount. A health care payment card will be provided for easy payment of expenses.

• During the year, you can use your FSA debit card to pay for services and products. Withdrawals are tax-free as long as they’re for eligible healthcare expenses.

• You cannot obtain reimbursement for eligible expenses for a domestic partner or their children unless they qualify as your tax dependents (Important: questions about the tax status of your dependents should be addressed with your tax advisor).

• Keep your receipts and Explanation of Benefits (EOB) statements as proof that your expenses were eligible for IRS purposes.

• You must re-enroll in this program each year to allow use of rollover funds.

Estimate carefully!

If you don’t spend all the money in your account, you can roll over up to $660 to use the following year. Any additional remaining balance will be forfeited.

Potential tax savings

Because FSA contributions are pre-tax, they reduce the total amount of your income the government makes you pay taxes

on. Tax savings vary depending on filing status and other variables.

Are you eligible?

You don’t have to enroll in one of our medical plans to participate in the healthcare FSA.

Find out more:

• www.padmin.com

• Eligible Expenses

• Ineligible Expenses

Important Considerations

There's no "crossover" spending allowed between the healthcare and dependent care accounts.

Expenses must be incurred between 03/01/2025 and 02/28/2026 and submitted no later than 05/29/2026.

Elections cannot be changed during the plan year unless you have a qualified change in family status (and the election change must be consistent with the event).

FSA funds can be used for eligible expenses incurred by you, your spouse, and your tax dependents only.

Click to play video https://padmin.com/ https://alliantbenefits.com/ben/hdhp/easyguide/articles/eligible-expenses.pdf https://alliantbenefits.com/ben/hdhp/easyguide/articles/ineligible-expenses.pdf https://vimeo.com/611571523/bb35cd6cc6

Take Control of Your Health

Maximize Your Health Benefits Knowing how to best use your healthcare coverage can help you improve your health and reduce your expenses. In this section you’ll find tips on:

• Finding the right care at the right cost

• Alternatives to hospital care

• CVS MinuteClinic and Care Pass Rewards

• Understanding preventive care benefits

• Saving money on prescription drugs

• CVS Health Virtual Care

• Aetna Transform Oncology Program – Cancer Support Center

• Aetna Fitness Reimbursement Program

Virtual Healthcare

Urgent Care vs. ER

Click to play videos https://vimeo.com/611569337/1f439aa90f https://vimeo.com/611572352/6c0e00883b

Know where to go

Where you get medical care can significantly affect the cost. Here’s a quick guide to help you know where to go based on your condition, budget, and time.

Visit type Use it for …

Nurse line ($) Often available 24/7 at no cost

• quick answers from a trained nurse:

– to determine if immediate care is needed

– for home treatment options & advice

CVS Virtual Care Online visit ($) Often available 24/7

• non-emergency health issues:

– cold, flu, allergies, headache, migraine

– rashes, skin conditions

– minor injuries

– mental health concerns

Office visit ($$) Typically open during regular business hours

• routine medical care and management:

– preventive care

– illnesses and injuries

– existing conditions

CVS Minute Clinic • non-emergency medical care and treatments:

– minor illnesses and injuries

– vaccinations and injections

– travel health

Urgent care ($$$) Typically open with extended evening and weekend hours

• urgent but not life-threatening conditions:

– sprains or stitches

– animal bites

– high fever or respiratory infections

Emergency room ($$$) Open 24/7

• life-threatening conditions requiring immediate care:

– suspected heart attack or stroke

– broken bones

– excessive bleeding

– severe pain

– difficulty breathing

Alternative facilities

If you have time to evaluate your options for non-emergency health treatments, these alternative facilities can provide the same results as a hospital at a fraction of the cost.

Procedure Alternative Features Savings*

Surgery Ambulatory surgical center

• Specializes in same-day surgeries

• Cataracts, colonoscopies, upper GI endoscopy, orthopedic surgery and more

• Held to same safety standards as hospitals

Up to 50% vs.

a hospital stay

Physical therapy

Outpatient facility

• Most cases are suited for outpatient physical therapy

• Same types of treatments and similarly skilled therapists as inpatient facilities

40 to 60% vs.

a hospital setting

Sleep study Home testing • Diagnoses obstructive sleep apnea

• Cost is often covered by insurance if considered medically necessary

Up to $4,500

vs. a lab

Infusion therapy

Home or outpatient infusion

• For drugs that must be delivered by intravenous injections, or epidurals

• Delivered by licensed infusion therapy provider

• Maintain normal lifestyle and comfort of home or outpatient center

Up to 90% vs.

a hospital stay

Ask your doctor if your treatment must be delivered in the hospital.

You can also search for surgical centers, physical therapy, and similar services on your plan’s website, or call member services for assistance. Online tools such as healthcarebluebook.com and healthgrades.com help you compare costs and doctor ratings.

Some alternative facilities include a fee to cover overhead costs. To avoid a surprise on your bill, ask about facility fees before you schedule your appointment.

How to find an alternative treatment facility

*Savings estimates are based on in-network facilities and providers

CVS MinuteClinic ® and CVS ® HealthHub™

Get access to convenient, local care at a MinuteClinic location at no or a low cost to you, including care for:

• Allergies

• Ear infections

• Flu-like symptoms

• Bug bites, stings and more

MinuteClinic providers can also administer vaccines and write prescriptions, when medically appropriate.

In addition to standard MinuteClinic locations found inside select CVS Pharmacy® and Target stores, we are excited to let you know about a new, innovative health care resource available to you: CVS® HealthHUB™. CVS HealthHUB locations offer expanded MinuteClinic services, one-on-one guidance, and resources for people to manage their health — with a focus on chronic conditions. Visit MinuteClinic.com.

CVS ExtraCare Plus® ™

Get access to convenient, local care at a MinuteClinic location at no or a low cost to you, including care for:

• $10 monthly bonus reward (Care Pass)

• 24/7 access to CVS pharmacies

• Rx delivery on your schedule

• Discounts on your favorite items

Log in to your Aetna Health app or your Aetna member website to get started.

Get started today

Learn more about the wellness programs and discounts available to you by visiting Crossroads > Benefits.

CVS MinuteClinic and Care Pass https://www.cvs.com/minuteclinic

Prescriptions breaking your budget?

Understanding the formulary can save you money

If your doctor prescribes medicine, especially for an ongoing condition, don’t forget to check your health plan’s drug formulary. It’s a powerful tool that can help you make informed decisions about your medication options and identify the lowest cost selection.

What is a formulary?

A drug formulary is a list of prescription drugs covered by your medical plan. Most prescription drug formularies separate the medications they cover into four or five drug categories, or “tiers.” These groupings range from least expensive to most expensive cost to you. “Preferred” drugs generally cost you less than “non-preferred” drugs.

Get the most from your coverage

To get the most out of your prescription drug coverage, note where your prescriptions fall within your plan’s drug formulary tiers and ask your doctor for advice. Generic drugs are usually the lowest cost option. Generics are required by the Food and Drug Administration (FDA) to be as effective as brand-name drug equivalents.

To find out if a drug is on your plan’s formulary, visit the plan’s website or call the customer service number on your ID card.

CVS Pharmacy Mail Service Order

Quick. Without the hassle. Get your regular medicines through CVS Caremark Mail Service Pharmacy.

1. Call CVS Pharmacy, go online, or download the mobile app

2. Request Mail Service

3. Get refills your way

Depending on your plan, you may pay less for medicine you get through home delivery than a retail pharmacy. Visit aetna.com and visit the Pharmacy section to get cost estimates for generic or name brand drugs.

Need help? Call toll-free, 24/7 at (888) 792-3862.

The formulary drug tiers determine your cost

Click to play video

$ Generic drugs

$$ Preferred Brand-name drugs

$$$ Non-preferred Brand name drugs

$$$$ Specialty drugs https://vimeo.com/611574258/74169baef2

When you need care now

Talk to a doctor anytime

From your therapy appointments to quick care, CVS Health Virtual care has you covered. Easily schedule a virtual care appointment from anywhere. You can use CVS Health Virtual Care in addition to your traditional network of providers.

Access is included in your medical plan, made available through Aetna, a CVS Health company.

• 24/7 access to quick care for minor illnesses and injuries via laptop or phone

• Schedule mental health counseling 7 days a week by appointment

• Available to adults and children over 18 months

• Extend to in-person care when needed, at a nearby MinuteClinic location or in-network providers

When should you use CVS Virtual Care?

• Coughs, colds, flu and strep

• Joint, head, and stomach pain

• Minor skin conditions including skin infections, rashes, insect bites and cuts

• Infections (ear, sinus, UTI)

• Medication refills

• Anxiety and mood disorders

• Depression screening

• Medication management

• Support with stress, life adjustments, and conflict resolution

• Sleep and related health behaviors

• If you’re considering the ER or urgent care for a non-emergency

• When on vacation, a business trip or away from home

CVS Virtual Care is just a click or call away!

cvs.com/virtual-care | (877) 993-4321 https://www.cvs.com/virtual-care/

Support for your journey

Resources for your cancer journey

A cancer diagnosis is life changing. And you probably have a million things on your mind as you navigate your treatment.

Aetna is here for you with the resources and support you may need to manage your care, understand your benefits and locate the right providers.

Personal Navigator

This is your dedicated advocate with experience in cancer diagnosis and treatments who will provide you and your caretaker with personalized support whenever you need it.

Get easy access to your navigator through a Request a call button located on the Cancer Support Center site.

• Answer insurance questions

• Help with prior authorizations and appeals

• Connect you with care management

• Assist with finding local resources

• Set up provider consultations

Aetna Cancer Support Center

This support center will provide:

• Free, convenient digital information hub designed around your needs

• Details about diagnostic tests, treatments and benefits specific to your coverage

• Offers self-service support for breast, colorectal, prostate, lung, ovarian, uterine and other cancers

Guided Genetic Health Program

Genetic counseling and testing can help guide your treatment and assess your risk of developing other forms of cancer:

• Access a free online questionnaire in the Cancer Support Center to determine if genetic counseling and testing are right for you

• Participate in convenient, at-home genetic testing and counseling

• Receive personalized and actionable health recommendations delivered by experts

Gain an additional ‘support system’ in the family

For more information, visit the Aetna Cancer Support Center

Three ways to log in:

1. Visit Aetna.com and navigate to your member website

2. Visit aetna.com/cancersupport

3. Text cancercare to 66902 and receive a link to log in to the support center

Get rewarded for staying healthy

Aetna Fitness Reimbursement Program

This program is an easy to use and flexible program that allows you to earn up to $100 per year for taking care of yourself!

Receive discounts on:

• Fitness center memberships

• Group exercise class fees

• Weight management programs

• Personal training fees

• Nutrition counseling fees

• Exercise equipment

• Fitness tracking devices, and more

Registration

Sign up at aetna.rewards.huskwellness.com to participate.

Click the “Register” button and enter your information.

Start Submission

Choose the tile for your eligible expense to start a submission and upload proof of purchase.

Reimbursement

You can choose a paper check or direct deposit to reimbursed to you within 30 days of the end of the quarter the submission was approved. Email support@huskwellness.com for more information.

https://aetna.rewards.huskwellness.com/landing mailto:support@huskwellness.com

Financial Wellness

Is it time for a financial wellness checkup?

Are you worried about money―making your paycheck last? Paying down debt? Getting to work safely? Providing care for your children?

Making a big purchase like a car or home? Going back to school? What about retirement?

Ignoring your financial health can take a toll on your quality of life today and in the future. And worrying about money can make you stressed, even to the point of physical illness.

We offer benefits and resources to help you make the most of your money. You can reduce your tax burden, work toward your retirement goals, and get help with going back to school.

Plans To Help You Save and Plan for the Future

• Company-provided Basic life and AD&D

• Voluntary life and AD&D

• Dependent Care Flexible Spending Account (DCFSA)

• Transportation & Parking Benefits

• Tuition Reimbursement Program

• Central Credit Union of Illinois Banking

• Deferred Compensation Plan

• State Retirement Pension Plan

• Medicare Options

Tollway -provided Basic Life and AD&D insurance

Basic Life and AD&D

If you have loved ones who depend on your income for support, having life and accidental death insurance can help protect your family's financial security and pay for large expenses such as housing and education, as well as day-to-day living expenses.

Basic life insurance pays your beneficiary a lump sum if you die. AD&D (accidental death & dismemberment) coverage provides a benefit to you if you suffer from loss of a limb, speech, sight, or hearing, or to your beneficiary if you have a fatal accident. The salary class you fall in will determine which benefit is available to you.

The cost of coverage for this benefit is paid in full by the Tollway and offered to you by MetLife.

CLASS ONE: Salaries less than $30,000

CLASS TWO: Salaries of $30,000 - $50,000

CLASS THREE: Salaries more than $50,000

What’s guaranteed issue?

If you select coverage above a certain limit (the "guaranteed issue") or after your initial eligibility, you will need to provide additional information about your health status to qualify for the requested amount of coverage.

A note about taxes

Company-provided life insurance coverage over $50,000 is considered a taxable benefit. The value of the benefit over $50,000 will be reported as taxable income on your annual W-2 form.

Basic Life Amount $50,000

Basic AD&D Amount $50,000

Basic Life Amount $75,000

Basic AD&D Amount $75,000

Basic Life Amount $100,000

Basic AD&D Amount $100,000

Name Your Beneficiaries

If the worst happens, your beneficiary—the person (or people) on record with the life insurance carrier—receives the benefit. Make sure that you name at least one beneficiary for your life insurance benefit, and change your beneficiary as needed if your situation changes.

Voluntary Life and AD&D insurance

Protecting those you leave behind

Voluntary Life insurance allows you to purchase additional life insurance to protect your family's financial security. Voluntary AD&D Insurance allows you to purchase additional accidental death and dismemberment insurance to protect your family's financial security in case you suffer from loss of a limb, speech, sight or hearing or if you die in an accident.

MetLife offers coverage for your spouse and children if you purchase coverage for yourself.

Employees whose spouses are also employed by the Tollway may not enroll their spouse or dependents under dual coverage. Only one spouse-employee may elect voluntary life insurance for their spouse and/or children. It is the responsibility of the employees to coordinate their elections to ensure compliance with this policy.

Guaranteed issue

If you purchase life insurance coverage above a certain limit (the "guaranteed issue" amount) or after your initial eligibility period, you will need to submit a Statement of Health (Evidence of Insurability) with additional information about your health for the insurance company to approve the amount of coverage. You can increase your election each year by $10,000 increments without completing a Statement of Health if your election is less than the guaranteed issue amount listed.

VOLUNTARY LIFE

Employee Voluntary Life Amount

Increments of $10,000 up to lesser of 5x annual earnings or $1,000,000. Guaranteed issue of $150,000.

Spouse Voluntary Life Amount

Increments of $5,000 up to $75,000.

Guaranteed issue of $25,000.

Child(ren) Voluntary Life Amount

Purchase either $2,000 or $10,000.

VOLUNTARY AD&D

Employee Voluntary AD&D Amount

Increments of $10,000 up to lesser of 5x annual earnings or $1,000,000.

Guaranteed issue of $150,000.

Spouse Voluntary AD&D Amount

Increments of $5,000 up to $75,000.

Guaranteed issue of $25,000.

Child(ren) Voluntary AD&D Amount

Purchase either $2,000 or $10,000.

Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefit. Many states require that a spouse be named as the beneficiary unless they sign a waiver.

Taxes: A life insurance benefit of $50,000 or more is a taxable benefit. You will see the value of the benefit included in your taxable income on your paycheck and W-2.

Paying for daycare? Make it tax-free!

Dependent Care FSA—up to $5,000 per year tax-free

A dependent care Flexible Spending Account (DCFSA) can help families save potentially hundreds of dollars per year on day care. This program is administered by P&A Group.

Here's how the Dependent Care FSA works

You set aside money from your paycheck, before taxes, to pay for work-related day care expenses. Eligible expenses include not only childcare, but also before- and after-school care programs, preschool, and summer day camp for children younger than 13.

The account can also be used for day care for a spouse or other adult dependent who lives with you and is physically or mentally incapable of self-care.

You can set aside up to $5,000 per household per year.

Members can pay for dependent care expenses directly from their FSA account by using their debit card, submitting a claim through the participant portal, or mailing or faxing a paper claim.

All caregivers must have a tax ID or Social Security number.

This information must be included on your federal tax return.

If you use the dependent care reimbursement account, the IRS will not allow you to claim a dependent care credit for reimbursed expenses. Consult your tax advisor to determine whether you should enroll in this plan.

Estimate carefully!

You can’t change your FSA election amount mid-year unless you experience a qualifying event. Money contributed to a dependent care FSA must be used for expenses incurred during the same plan year. Any unused dependent care funds will not rollover, therefore the funds will be forfeited. It is very important that you plan carefully before making your election.

Every opportunity to save

The biggest deduction from your paycheck is likely federal income tax. Why not take a bite out of taxes while paying for necessary expenses with tax-free dollars?

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Commuting to work

Transportation savings accounts—up to $325 per month tax-free

Do you have out-of-pocket commuting expenses for public transportation, van pooling, or for worksite parking? If so, you can save on taxes by enrolling in our transportation savings account, administered by P&A Group.

The account lets you set aside money—before it's taxed— through payroll deduction. You may enroll in or stop this program at any time. Money in the account can be used in future months or plan years.

Set aside up to $325 per month for work-related parking expenses and up to $325 per month for work-related commute expenses.

Reimbursement can take 3-5 business days after P&A receives the claim as long as there refunds available in your account.

You will receive a reimbursement check but you have the option to sign up for direct deposit reimbursement.

Local/Regional programs

Please also refer to these mandated transit resources:

• CTA/Ventra Transit Benefit Program

Plan on enrolling in both a Healthcare Flexible Spending Account and Parking/Transit?

Employees who enroll in the Flexible Spending Account and the Parking/Transit Account will receive one debit card for both accounts. Due to IRS regulations, claims cannot be submitted for transit expenses. You must use your debit card for all transit purchases.

Download the mobile app!

Mange your account through P&A Group’s mobile app. Go to the App Store or Google Play and search P&A Group MyBenefits to download it today!

https://www.transitchicago.com/transitbenefit/

Smart education benefits

Tuition reimbursement—up to $5,250 per year

We support continued learning for our employees for an undergraduate or graduate degree or job-related certification from an accredited institution of higher learning. The Illinois Tollway encourages its employees to pursue their educational goals. Eligible employees will be reimbursed for tuition expenses paid to accredited schools, colleges, and universities.

Eligibility for tuition reimbursement is based on successfully passing your probationary period. Courses must be pre-approved 30 days prior to starting the course. Reimbursement is based on a grade C or better. For more detailed information regarding the Tuition Reimbursement process, please reference the Employee Policies and Procedures Manual.

2025 IRS Tuition Reimbursement Amount: $5,250

Please contact Employee Benefits at empbenefits@getipass.com or call (630) 241-6800 x 4444 to get started on the tax-free Tuition Reimbursement process.

Central Credit Union of Illinois

Want to set up a second direct deposit? Join Central Credit Union of Illinois!

The Central Credit Union is a full-service, not-for-profit financial institution, that can help you and your family achieve your financial goals. Central Credit Union’s products and services include Share Savings Accounts, My Club Accounts, Checking Accounts and Loan Services. You can make deposits to your account through direct deposit via payroll deduction.

To join, simply open a Share Savings account with a $25 deposit. Then your family members will also be able to join. To keep your membership throughout your lifetime regardless of where you live or work, simply maintain a minimum balance of $25 in your Share Savings Account. You can make deposits to your account through direct deposit, payroll deduction, in person or by mail. If you have a credit union checking account, you can easily make withdrawals in person or by ATM. The credit union’s main office is in Bellwood, IL and there is a branch in Orland Park, IL.

To get started, please contact Employee Benefits at: 630-241- 6800 ext. 4444 or EmpBenefits@getipass.com mailto:empbenefits@getipass.com mailto:EmpBenefits@getipass.com

Save now, enjoy later

Deferred Compensation — State of Illinois 457-retirement plan

The Deferred Compensation Plan is a 457-retirement plan, offered by the State of Illinois, which allows you to save a portion of your pay through payroll deductions, or “contributions.” These contributions are then invested and allowed to compound on a tax-advantaged basis until you make qualified withdrawals, typically in retirement.

The plan offers tax savings NOW through pre-tax contributions and/or tax savings after you retire through a Roth after-tax option.

The Plan automatically enrolls new State employees; 3% of your before-tax pay will be deposited into your Plan account.

You may change your contribution rate or opt out within 30 days for a full refund. Funds managed by Empower.

What are your plans?

Many of us can’t plan past the next paycheck, never mind thinking about a retirement nest egg. Our retirement and pension plans will help you set a retirement savings goal and stick to it.

The important thing is to start now and set aside what you can, even if you think it’s too small an amount.

Maximum 2025 contribution

(IRS limits are evaluated annually)

Up to $23,500. If you’re 50+ years old, you can save an extra $7,500.

Total contribution limit for aged 50+ is $31,000.

How to Enroll or Contribute to the Deferred Compensation Plan

To enroll in Deferred Compensation, please contact Employee Benefits at:

EmpBenefits@getipass.com.

If you are already an existing member and would like to make changes to your account, please contact Empower at:

833-969-4532 or go online to www.myillinoisdcplan.com.

Important differences of a Roth 457(k)

• You pay taxes when you contribute, at your current tax rate.

• Account interest and dividends are not taxed if you meet certain criteria.

• Like a traditional 401(k), you can withdraw money without penalties when you reach age 59½, but you must have held the account for at least 5 years.

• You are not forced to take distributions at age 70½.

You can keep the money in your Roth account as long as you want.

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Pension Plan— State Employees Retirement System (SERS)

Pension benefits, when combined with other income, are designed to provide you with financial security in retirement.

Each regular Tollway employee will contribute 4% per pay period to their pension account and employees in high-risk jobs will contribute 8.5%. The Illinois Tollway does not provide a contribution match on Pension accounts.

Tier 1 – Members hired before 1/1/2011. Retirement eligibility at age 60 with 8+ years’ service credit.

Tier 2 – Members hired after 12/31/2010. Retirement eligibility at age 67 with 10+ years’ service credit.

Refer to Employee Benefits and SERS for more detailed information on eligibility and contribution rates.

https://vimeo.com/611568914/84a409c07f mailto:EmpBenefits@getipass.com http://www.myillinoisdcplan.com/

Turning 65?

Know your Medicare options

Whether you retire or continue to work, choosing the right healthcare option is an important decision when you turn 65

Most people become eligible for Medicare at age 65. When that happens, you’ll probably have some time-sensitive decisions to make, based on your individual situation.

Introducing Alliant Medicare Solutions

Medicare can be complicated. Figuring out the rules—not to mention how Medicare works with or compares to your employer-provided medical coverage—can be a headache.

That’s why we are offering Alliant Medicare Solutions. The licensed insurance agents at AMS can help you understand Medicare, what is and isn’t covered, and how to choose the best coverage for your situation.

How does it work?

• Call Alliant Medicare Solutions at (877) 888-0165 to speak to a licensed insurance agent. Have your current medical coverage information available when you call.

• Discuss with Alliant Medicare Solutions your existing insurance coverage, your Medicare options, and which of those plans might work the best for you.

• If Medicare is the best option, Alliant Medicare Solutions helps you enroll immediately or emails policy materials for you to review and enroll at a later date.

Find out more

Alliant Medicare Solutions is a no-cost service available to you, your family members, and friends nearing age 65.

alliantmedicaresolutions.com

Alliant Medicare Solutions is provided by Insuractive LLC, a Nebraska resident insurance agency. Insuractive LLC is wholly owned by Alliant Insurance Services, Inc.

Medicare 101

Social Security Planning

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Wellbeing & Balance

A Happier, Healthier You Creating a healthy balance between work and play is a major factor in leading a happy and productive lifestyle, but it’s not always easy.

We offer programs to help you:

• Manage stress, substance use disorder, mental health and family issues.

• Maximize your physical well-being.

• Take time to spend with family and friends, take care of personal business, or just for yourself.

Taking care of yourself helps you be more effective in all areas of your life. Be sure to take advantage of these programs to stay at your best.

“The key to keeping your balance is knowing when you've lost it. ”

• Employee Assistance Program

• LifeMart Discount Program

• Wellness Programs and Discounts

• Time Away from Work

Employee assistance program (EAP)

Help for you and your household

There are times when everyone needs a little help or advice, or assistance with a serious concern. The EAP through Perspectives, LTD. In partnership with AllOneHealth. The EAP can help you handle a wide variety of personal issues, such as emotional health, substance use disorder, parenting and childcare needs, financial coaching, legal consultation, and elder care resources.

Best of all, contacting the EAP is completely confidential and free for any member of your immediate household.

No-cost EAP resources

The EAP is available around the clock to ensure you get access to the resources you need:

• Unlimited phone access 24/7

• In-person or video counseling for short-term issues; up to 3 visits

• Unlimited web access to helpful articles, resources, and self-assessment tools.

Contact the EAP

Phone: (800) 456-6327

Website:

http://www.perspectivesltd.com/

Get started with the App in 3 easy steps:

1. Search “Perspectives LTD” in the IOS or Google Play Store

2. Download the app for free

3. Enter the access code: ILL500

Counseling

• Relationship challenges

• Emotional distress

• Job stress

• Communication issues

• Interpersonal conflict

• Alcohol or drug use

• Loss and grief

Elder care

• Help finding care resources for elderly or disabled relatives

Legal

• Local attorney referrals

• Family law (marital, child custody, adoption)

• Estate planning

• Landlord/tenant

• Immigration

• Personal Injury

• Consumer protection

• Real estate

•…