Exhibit 3_2026 COLB NonPerm Benefit Guide.pdf

City of Long Beach 2026 Non-Permanent Employee Benefits

2026 NON-PERMANENT EMPLOYEES

YOUR LIFE, YOUR BENEFITS

CONTENTS

GETTING STARTED

BENEFITS OVERVIEW 5

OPEN ENROLLMENT HIGHLIGHTS 6

HOW TO ENROLL & MAKE CHANGES DURING OPEN

ENROLLMENT

WHO’S ELIGIBLE FOR BENEFITS? 8

YOUR MONTHLY BENEFIT COST OF COVERAGE 9

CHANGING YOUR BENEFITS 10

BENEFIT ENROLLMENT TIMETABLE 11

HEALTH ADVOCATE CONCIERGE SERVICES 12

MEDICAL & PHARMACY

ANTHEM PLAN OPTIONS 14

MEDICAL PLANS 15

KNOW WHERE TO GO 16

ANTHEM RESOURCES 17

PREVENTIVE CARE SCREENING BENEFITS 19

EMERGENCIES AND AMBULANCE SERVICES 20

CARRUM HEALTH SURGERY BENEFIT 21

PHARMACY 22

VOLUNTARY BENEFITS

WELLHUB, LONG BEACH FEDERAL CREDIT UNION,

SCHOLARSHARE, AND METLIFE PET INSURANCE

WELLBEING & BALANCE

ALLIANT MEDICARE SOLUTIONS, EMPLOYEE

ASSISTANCE PROGRAM (EAP), MENTAL HEALTH

RESOURCES, AND LIFEBALANCE DISCOUNT PROGRAM

RETIREMENT

RETIREMENT INFORMATION AND DEFERRED

COMPENSATION PLAN

IMPORTANT PLAN INFORMATION

PLAN CONTACTS AND ANNUAL NOTICES

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 Plan Information section for more details.

GETTING

STARTED

Whether you are enrolling in benefits for the first time, nearing retirement, or somewhere in between, the City of Long Beach supports you with benefit programs and resources at every step.

This guide provides an overview of your healthcare coverage, retirement benefits, and more.

You will find tips to help you understand your medical coverage, save time and money on healthcare, and balance your work and home life. Review the coverage for all plans available to choose the benefit package that best aligns with your needs.

2026 BENEFITS

January 1, 2026 through December 31, 2026

IMPORTANT NOTE:

This is a summary overview and does not provide a complete description of all benefit provisions. While we've made every effort to make this overview comprehensive, it cannot provide a complete description of all benefits. Plan documents contain more details on relevant provisions, limitations, and determine how benefits are paid. If the information in this overview differs from the plan documents, the plan documents prevail.

Employment with the City of Long Beach may include the following benefits. Reference page 8 for employee eligibility.

Resources

Benefit Concierge Services

Health Advocate HealthAdvocate.com/

COLB

(866) 799-2691

Employee Assistance Program (EAP)

Health Advocate HealthAdvocate.com/

COLB

(866) 799-2691

Medicare Resource Alliant Medicare

Services AlliantMedicare Solutions.com

(877) 888-0165

Discount Program LifeBalance

COLB.LifeBalance.com Available January 1, Core Benefits

Medical Anthem Blue Cross

Anthem.com/CA/COLB

HMO/PPO: (844) 653-7399

HMO/PPO Policy #: 276800

Pharmacy Benefit CVS Caremark Caremark.com

(855) 559-7919

PPO Surgery Benefit Carrum Health

Info.CarrumHealth.com/COLB

(888) 855-7806

Retirement Pension Plan

PARS

PARS.org

(800) 540-6369

Retirement Pension Plan CalPERS

CalPERS.CA.gov

(888) 225-7377

Voluntary Benefits

Pet Insurance MetLife

MetLifePetInsurance.com /LongBeach

(866) 937-7387

Gym Access & Wellness Wellhub

Wellhub.com

529 College Savings Plan ScholarShare

ScholarShare.com

(562) 595-4725 ext. 2010

457(b) Plan MissionSquare MissionSq.org/

LongBeach

(202) 759-7122

BENEFITS OVERVIEW

http://www.healthadvocate.com/COLB http://www.healthadvocate.com/COLB http://www.healthadvocate.com/COLB http://www.healthadvocate.com/COLB https://www.alliantmedicaresolutions.com/ https://www.alliantmedicaresolutions.com/ http://www.anthem.com/ca/colb http://www.caremark.com/ http://www.info.carrumhealth.com/COLB http://www.pars.org/ http://www.calpers.ca.gov/ http://www.metlifepetinsurance.com/LongBeach http://www.metlifepetinsurance.com/LongBeach http://www.wellhub.com/ http://www.scholarshare.com/ http://www.missionsq.org/longbeach http://www.missionsq.org/longbeach

OPEN

ENROLLMENT

HIGHLIGHTS

What’s changing in 2026?

New LifeBalance Discount Program

Starting January 1, we are excited to introduce our new discount program, LifeBalance! LifeBalance is no cost to you and your family members and works like an online coupon book, offering discounts at thousands of participating businesses nationwide. Discounts are available at health clubs, fitness studios, online retailers, sporting goods stores, amusement parks, movie theaters, hotels, ski resorts, and more.

New Medicare Solutions Resource

We are also pleased to introduce Alliant Medicare Solutions (AMS). We know that navigating Medicare, retirement, and Social Security decisions can feel overwhelming, but you don’t have to do it alone. AMS is a no-cost resource available to you, your family, and friends. Experienced, licensed insurance agents can help you understand Medicare, explore enrollment options, coordinate benefits, and prepare for retirement.

HOW TO ENROLL &

MAKE CHANGES

DURING OPEN

ENROLLMENT

DO I NEED TO COMPLETE OPEN

ENROLLMENT?

This is a passive Open Enrollment, so no action is required if you want to keep your current benefits for the

2026 plan year.

lbnet

During Open Enrollment, you can enroll, waive, and/or make changes to your medical benefits on LifeViewHR.

LifeViewHR Website LifeViewHR is available on the City of Long Beach Intranet website at lbnet. LifeViewHR can only be accessed from a City issued computer. If you do not have access to a City issued computer, your Department Personnel/Payroll staff can provide a Benefits Selection Form and Open Enrollment Form.

Before you enroll

▪ Know the date of birth, social security number, and address for each dependent you will cover.

▪ Review your enrollment materials to understand your benefit options and costs for the coming year.

Getting started

1. When you are ready to make benefit changes, log into LifeViewHR using your Social Security Number (SSN) and password that you created. If you have forgotten your password, call the TI Helpdesk at (562) 570-6100.

2. If this is your first time logging into LifeViewHR, you will log in by typing your SSN into the Username field and “LVHR” (all capital letters) in the password field. From there, you will be prompted to change your password.

3. Once you have logged in, click on the Open Enrollment tab at the top of the page to make your selections. Look on the right-hand side of the screen for the link to LifeViewHR OE Instructions document.

4. Review your personal information and benefits selections.

Make changes as needed.

5. To add or delete a dependent(s) during Open Enrollment, click on the link in the LifeViewHR Open Enrollment Page to download the Open Enrollment Form. Submit the completed form and any required documentation to your Department Personnel/Payroll staff for processing.

6. Once selections have been entered and verified, click “Submit” for your selections to be saved.

http://lbnet/

WHO’S ELIGIBLE FOR BENEFITS?

calgenrollintake@anthem.com

Eligible Dependents

▪ Your spouse – The person who you are legal married to under state law, including a same-sex spouse.

▪ Your registered domestic partner The person (same or opposite sex, must be age 18 or over) who you have registered as a domestic partner with the California Secretary of State.

▪ Any premiums for your domestic partner paid for by the City of Long Beach are taxable income and will be included on your W-2. Any premiums you pay for your domestic partner will be deducted on an after-tax basis.

▪ Your child(ren) – Includes natural children, step-children, domestic partner’s children, adopted children, children fostered under legal custody, and children covered under legal guardianship:

▪ Under age 26. They do not have to live with you or be enrolled in school. They can be married and/or living and working on their own.

▪ Over age 26 ONLY if they are incapacitated due to a disability and primarily dependent on you for support. See below regarding Disabled Dependents for additional information.

▪ Named in a Qualified Medical Child Support Order (QMCSO) as defined by federal law.

▪ Disabled (Child) Dependent – Unlike other dependent children, a disabled dependent child may be eligible for health benefits beyond the age of 26. A disabled child dependent can remain a qualified dependent if the disability is certified by a physician and if it occurred prior to reaching age of 26.

Contact your Department Personnel/Payroll staff for the Disabled Dependent Certification Form. You can find your appropriate PPA contact on page 41.

• The Anthem Blue Cross Disabled Dependent Certification process must be completed within 60 days of the disabled dependent reaching the age of 26 and requires completion of the Disabled Dependent Certification Form. Once certified by a physician, the form must be forwarded to calgenrollintake@anthem.com for review and approval, to avoid coverage interruptions. Due to HIPAA, please be advised that the City is not involved in the review and/or approval of Disabled Dependency status.

▪ Pregnant (Child) Dependent – If you have a covered (child) dependent under your health insurance who is pregnant, the covered (child) dependent is responsible for obtaining health coverage for the baby. The City’s plan will only cover prenatal care and delivery for the covered (child) dependent.

▪ Please note that the health plan will not cover the children of your dependent (grandchildren) unless you have legal guardianship and/or custody.

Employees

▪ Employees who are hired specifically to work a minimum of 30 hours or more per week or variable hour employees who work on average 30 hours per week or 130 hours per month over a period of one year are eligible for the benefits outlined in this overview.

Note: Variable hour employees must re-qualify every year.

mailto:calgenrollintake@anthem.com

YOUR MONTHLY BENEFIT COST OF COVERAGE

The City of Long Beach pays the majority of the monthly medical premium costs for health coverage for you and your family.

In general, you pay for core benefits coverage before federal, state and social security taxes are withheld. Please note the monthly premiums are paid a month in advance via bi-weekly check deductions.

If you experience a type of leave that results in you being placed on a non-pay status, meaning there are not enough funds in your bi-weekly checks to capture your premium deductions, you will be responsible to pay for the continuation of insurance with our third-party administrator, Health Equity, until you return to a paid status.

Anthem HMO Plan Anthem PPO Plan

Single Monthly Payroll Deduction $269.00 $211.00

Two-Party Monthly Payroll Deduction $356.00 $300.00

Family Monthly Payroll Deduction $415.00 $359.00

CHANGING YOUR BENEFITS

When can I make changes?

Under the guidelines of the ACA, the City will offer health coverage to employees who work an average of 30 hours per week (130 hours per month) over the course of a 12-month period from the hire date. You have the opportunity to enroll in medical insurance upon meeting ACA eligibility by completing the Benefits Selection Form. Coverage will start on the 1st of the month following the ACA Administration Period.

▪ Please note: If a Benefits Selection Form, either waiving or enrolling in benefits, is not received within 30 days from date of eligibility, you will automatically be enrolled in the Anthem Blue Cross PPO Plan as Employee Only.

As a NON-PERMANENT EMPLOYEE, you can make changes to your benefits during the once-a-year Open Enrollment period or if you experience a mid-year qualifying life event (table below for reference).

How can I make changes?

During ACA Administration Period or a mid-year qualifying life event, your primary point of contact to complete a Benefits Selection Form is your Department Personnel/Payroll Assistant. Make sure to notify your Department Personnel/Payroll staff right away to be eligible to make changes during the enrollment timeframe.

During Open Enrollment, you can make changes to your benefit selections on LifeViewHR.

Qualifying Life Events Enrollment Timeframe Documentation

Verification

Birth or adoption of a baby or child Within 60 days of QLE You may be required to provide proof of one or more of the following:

▪ Marriage Certificate or License

▪ State of California Domestic Partner Affidavit

▪ Birth Certificate

▪ Final decree of divorce

▪ Proof of gain/loss of coverage

▪ Court Documents showing legal responsibility for adopted/foster children

Marriage / Registered Domestic Partnership

Within 60 days of QLE

Gain or Loss of other healthcare coverage

Within 31 days of QLE

Gain or Loss of Medicaid or Children’s Health Insurance Program (CHIP)

Within 60 days of QLE

Divorce Within 31 days of QLE http://clblvhrprod/TesseractWebServicesWeb/

BENEFIT ENROLLMENT TIMETABLE: CORE AND VOLUNTARY

Benefit New Hire

Enrollment Deadline

New Hire Earliest Effective Date

Qualifying Event Timeframe

Open Enrollment Options

MEDICAL

Eligibility:

• Seasonal Part-time employee (ACA eligibility - Medical

Only)

Eligibility is based on

ACA Administration

Period.

N/A

Request to either enroll, add or delete qualifying dependents within 31 days (60 for

Medicaid or CHIP) of the qualifying event date

• Adding a newborn requires retroactive enrollment to the date of birth

Enroll, add, or delete dependents, change medical insurance, and/or continue current enrollment

• Changes are effective

January 1 of the upcoming calendar year

MISSIONSQUARE 457

DEFERRED

COMPENSATION

Eligibility:

• All employees

None; employee’s discretion

1st contribution can be set-up to be deducted from 1st paycheck

N/A – contribution amount can be changed via

LifeViewHR per IRS regulations

N/A

SCHOLARSHARE 529

COLLEGE SAVINGS

Eligibility:

• All employees

None; employee’s discretion

1st contribution can be set-up from 1st paycheck

N/A – contributions are paid directly to

ScholarShare

N/A

METLIFE PET

INSURANCE

Eligibility:

• All employees

None; employee’s discretion

1st contribution can be set-up from 1st paycheck

N/A – premiums are paid directly to MetLife

Pet Insurance

N/A

WELLHUB

Eligibility:

• All employees

None; employee’s discretion

1st of the month following 30 days of employment

N/A – premiums are paid directly to

Wellhub

N/A

HEALTH ADVOCATE

CONCIERGE

SERVICES

Get help from Health Advocate Health Advocate is a service that provides you and your entire family 24/7 access to confidential one-on-one benefit support at no additional cost to you! Health Advocate experts will answer your questions and take on virtually any healthcare issue, so you and your family get the right care at the right time.

Connect to all your benefits through a single toll-free number

▪ Health Advocate can answer questions about your entire benefits package.

▪ If you need to reach a specific benefit provider, Health Advocate can connect you right away.

Support for every medical condition

▪ Explain health conditions, diagnoses, and treatments;

research the latest treatment options.

▪ Arrange expert second opinions, transfer medical records, and coordinate care and services.

Health Advocate takes the hassle out of healthcare

▪ Find the right in-network doctors and make appointments.

▪ Review medical bills to find errors or duplicate charges;

resolve complicated claims and billing issues.

Help you stay on top of your health

▪ Health Advocate will identify and help you schedule any overdue care, tests, or screenings.

▪ Receive confidential reminders at home about getting the ongoing care you need.

Answers@HealthAdvocate.com

HealthAdvocate.com/COLB

CONTACT HEALTH ADVOCATE

Phone

(866) 799-2691

Email

Answers@HealthAdvocate.com

Website

HealthAdvocate.com/COLB

Registration Code

COLBEmployees

Visit the App Store or Google Play Store to download the Health Advocate app!

Click to play video mailto:Answers@HealthAdvocate.com http://healthadvocate.com/COLB https://www.healthadvocate.com/video/HealthAdvocacyAndNavigation.html https://www.healthadvocate.com/video/HA-M-2007022-Advocacy.html

MEDICAL

Medical insurance is a vital component of a comprehensive benefits package. It provides coverage for medical expenses, including doctor visits, hospital stays, and preventative care.

We offer two medical plans through Anthem: the Anthem HMO Plan and the Anthem PPO Plan.

OUR PLANS

ANTHEM HMO PLAN

ANTHEM PPO PLAN

Anthem.com/CA/COLB

CONTACT INFORMATION

Website

Anthem.com/CA/COLB

Phone

(844) 653-7399

App

Sydney Health App

ID Card Yes

All About Medical Plans

Play the Health Lingo Game!

http://www.anthem.com/ca/colb https://vimeo.com/567584004/0fcc552ff7 https://vimeo.com/609859696/de011cdd18

ANTHEM MEDICAL

PLAN OPTIONS

HMO PLAN

When you enroll in the Anthem Blue Cross HMO plan, you agree to use only Anthem Blue Cross doctors, facilities and medical groups for all of your medical care. You must choose between a Participating Medical Group (PMG) or an Independent Physician Association (IPA), along with a Primary Care Physician (PCP) to manage your care. Anthem Blue Cross HMO covers most services at 100%, with no deductible, as long as you use providers who belong to your PMG/IPA. Office visit copayments are $20, and there are no claim forms. Any care you receive without approval from your PCP is not covered. Emergency room services require a $100 copayment per visit. This copayment is waived if you are admitted to the hospital.

PPO PLAN

The Anthem Blue Cross PPO plan offers you access to a large network of physicians who agree to discount their fees for services. Under this plan, you are not required to select a PCP and you can access different physicians and specialists at your own discretion. While you may go to any doctor or hospital each time you need care, your copay or coinsurance will be lowest when you go to an in-network PPO provider. As long as you use providers who participate in the network, your care will be covered at the highest benefit level – 90% for most services after your deductible is met.

You also have the option to see an out-of-network PPO provider, but services are then covered at 50% of Usual, Customary, and Reasonable charges (UCR). Higher deductible amounts apply, and claim forms are required. Some providers may also require payment in full at the time of service. Out-of-network benefits are paid based on 90th percentile of UCR charges, which means the plan pays charges for non-network providers based on fees charged by 9 out of 10 doctors in their geographic area. This means you could receive a bill for any charges over UCR. If the UCR amount is lower than the actual charge, the provider may take a loss or you, the patient, may be responsible for the difference.

Note: If you use non-network providers, Anthem will mail the reimbursement check to you (not to the non-network provider).

ABOUT THE HEALTH CARE

PROVIDER GROUPS

Here are some things to keep in mind as you weigh your medical plan options:

1. Consider the location of your physician. They should be within a reasonable distance (about 30 miles) of your home or office.

2. You must select a PCP if you enroll in the Anthem Blue Cross HMO plan. You may choose different PCPs for yourself and each of your family members, if you wish.

3. The Anthem Blue Cross PPO plan has national networks of physicians and hospitals. Network providers are often available when you travel or if your dependents live in other areas.

4. The Anthem Blue Cross HMO plan covers urgent and emergency services outside your service area when you travel.

ANTHEM DEDUCTIBLE AND COPAY OVERVIEW

ANTHEM HMO PLAN ANTHEM PPO PLAN

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

Calendar Year Deductible1,2

Individual Family Embedded/Aggregate2

$0 $0

N/A

$150 $300

Embedded

$350 $700

Embedded

Calendar Year Out-of-Pocket Maximum1,3

Individual Family Embedded/Aggregate3

$1,000 $3,000

Embedded

$2,650 $5,300

Embedded

$0 $0

Embedded

Office Visit Primary Care Specialist

$20 copay $20 copay

$20 copay $20 copay

$40 copay then 50%5

Preventive Services No charge No charge 50%5

Chiropractic & Acupuncture $10 copay (up to 30 visits/year)

10%5 (up to 34 visits/year combined with Out-of-Network)

50%5 (up to 34 visits/year in/out combined with In-

Network)

Lab and X-ray $0 copay 10%5 50%5

Urgent Care $20 copay $20 copay $40 copay

Emergency Room (copay waived if admitted)

$100 copay $100 copay $100 copay

Inpatient Hospitalization $0 copay 10%5 $300 copay then 50%

Outpatient Surgery $0 copay 10%5 50%5

Mental Health & Substance Abuse Inpatient Facility Care Inpatient Physician Visits Outpatient Facility Care Outpatient Physician Visits

No charge6

No charge No charge

$20 copay per visit6

10%6

10%4

10% $20 copay per visit

$300 deductible then 50%4, 6

50%4

$300 deductible then 50%4, 6

$40 deductible then 50%4, 6

The chart below outlines deductible and copayment specifications of the Anthem HMO and PPO plans. You pay the copayments ($) outlined below. The coinsurance (%) listed in the PPO plan shows what you pay after the plan’s deductible.

1Deductibles and out-of-pocket maximums accumulate on a calendar year from January 1 though December 31.

2 An embedded family deductible means the plan begins to make payments for a member when they reach their individual deductible.

3An embedded family maximum means the plan will cover 100% for an individual member as soon as they reach their individual maximum.

4All covered expenses including your medical deductibles and prescription copays accumulate towards the out-of-pocket maximum.

5After deductible.

6Inpatient subject to utilization review; waived for emergency admissions; Outpatient Behavioral Health treatment for Autism or Pervasive Development disorders require pre-service review

KNOW WHERE TO GO

LiveHealthOnline.com

Anthem.com/CA

Anthem.com/CA

Anthem.com/CA

Anthem 24/7 NurseLine

Quick answers from a trained nurse

800-337-4770

▪ Identifying symptoms

▪ Decide if immediate care is needed

▪ Home treatment options and advice

24/7 $0

CVS

MinuteClinic

(Anthem PPO only)

Walk-in medical clinics with nurse practitioners and physician assistants who specialize in family health care

Visit a CVS

MinuteClinic

▪ Treat more than 125 minor illnesses & injuries

▪ Vaccines, physicals, screenings

▪ Write prescriptions, when medically appropriate

▪ Treat adults and children 18 months and older

Office

Hours

$0

LiveHealth Online

Many non-emergency health conditions

LiveHealthOnline.com

▪ Cold, flu, allergies

▪ Headache, migraine

▪ Skin conditions, rashes

▪ Minor injuries

▪ Mental health concerns

24/7 $0

Office visit Routine medical care and overall health management

Anthem.com/CA

▪ Preventive care

▪ Illnesses, injuries

▪ Managing existing conditions

Office

Hours

$20 copay*

Urgent care Non-life-threatening conditions requiring prompt attention

Anthem.com/CA

▪ Stitches

▪ Sprains

▪ Animal bites

▪ Ear-nose-throat infections

Office

Hours, or up to 24/7

$20 copay*

Emergency room

Life-threatening conditions requiring immediate medical expertise

Anthem.com/CA

▪ Suspected heart attack or

▪ stroke

▪ Major bone breaks

▪ Excessive bleeding

▪ Severe pain

▪ Difficulty breathing

24/7 $100 copay*

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

*Additional costs may apply http://www.livehealthonline.com/ http://www.anthem.com/ca http://www.anthem.com/ca http://www.anthem.com/ca

ANTHEM

RESOURCES

LiveHealth Online

LiveHealth Online is your telemedicine vendor. You can video call with a board-certified doctor using your smartphone, tablet or computer with a webcam. Doctors are available 24/7/365 to assess your condition and, if it’s needed, they can send a prescription to your local pharmacy. Register online at LiveHealthOnline.com and make sure to download the mobile app.

LiveHealth Online also offers language lines to serve those who speak Spanish, Tagalog, Khmer, and more. To access the language line, indicate the preferred language when speaking to your provider. The provider will then connect to the line for language assistance.

Sydney Mobile App

Use Sydney Health to keep track of your health and benefits, all in one place. Access your plan details, member services, virtual care, and wellness resources. You can also set up an account at Anthem.com/CA/Register to access most of the same features from your computer.

The following programs are available through Sydney Health App:

▪ MyHealth Advantage - Anthem reviews medical history, pharmacy claims and doctor visits, and then connects the dots to find ways to help you avoid health problems, stay healthy, or save money. If they find something you could do to improve your health, you’ll get a MyHealth Note.

▪ Building Healthy Families - This program offers personalized, digital support through the Sydney Health mobile app or on Anthem.com/CA. This all-in-one program, at no extra cost to you, can help your family grow strong whether you’re trying to conceive, expecting a child, or in the thick of raising young children.

24/7 Nurse Line

24/7 NurseLine serves as your first line of defense for unexpected health issues. You can call a trained, registered nurse to decide what to do about a fever, give you allergy relief tips, or advise you where to go for care. For help, call 24/7 NurseLine at (888) 249-3820.

FINDING AN ANTHEM PROVIDER

To find a provider in your plan network, please visit Anthem.com/CA/Find-Care.

https://livehealthonline.com/ https://www.anthem.com/ca/register/ https://anthem.com/ca https://www.anthem.com/ca/find-care/

ANTHEM

RESOURCES

CONTINUED

ConditionCare

ConditionCare is a disease management program available to members at no cost. The program provides tools, resources and support with Asthma (pediatric or adult), Chronic obstructive pulmonary disease (COPD), Coronary artery disease, Diabetes, types 1 and 2 (pediatric or adult) or Heart failure. For more details and/or to join, call (866) 962-0957.

Rula

Rula makes it easy to find a virtual, in-network therapist who meets all of your needs. Getting started is easy, with four simple steps:

▪ Select Your Therapist – Visit the Rula.com/Anthem and input your therapist preferences so Rula can match you with the right provider.

▪ Complete Registration – Register within 12 hours of selecting your therapist. No changes will be made until after your first appointment (cancel anytime).

▪ Verify Your Benefits – Rula will work with Anthem on the backend and let you know your copay before your appointment.

▪ Confirm Your Appointment Time – You will receive a confirmation notice 1-2 days before your appointment along with a video call link.

FINDING AN ANTHEM PROVIDER

To find a provider in your plan network, please visit Anthem.com/CA/Find-Care.

https://www.rula.com/anthem/ https://www.anthem.com/ca/find-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.

What is Preventive Care?

The Affordable Care Act (ACA) requires health insurers to cover a set of preventive services at no cost to you, even if you haven’t met your yearly deductible. The preventive care services you’ll need to stay healthy vary by age, sex, and medical history.

Visit CDC.gov/Prevention for recommended guidelines.

Preventive care is covered in full only when obtained from an IN-NETWORK provider.

Not all exams and tests are considered preventive Exams performed by specialists are generally not considered preventive and may not be covered at 100%.

Additionally, certain screenings may be considered diagnostic, not preventive, based on your current medical condition. You may be responsible for paying all or a share of the cost for those services.

If you have a question about whether a service will be covered as preventive care, contact Anthem at (844) 653- 7399.

PREVENTIVE CARE

SCREENING

BENEFITS

TYPICAL SCREENINGS FOR

ADULTS

▪ Blood pressure

▪ Cholesterol

▪ Diabetes

▪ Colorectal cancer screening

▪ Depression

▪ Mammograms

▪ OB/GYN screenings

▪ Prostate cancer screening

▪ Testicular exam https://www.cdc.gov/chronic-disease/prevention/preventive-care.html

EMERGENCIES AND

AMBULANCE

SERVICES

Emergencies In or out-of-network, our plans help pay for medically necessary emergency and urgent care services. If you go to an in-network facility (hospital or ambulatory surgery center), but later find out that a provider treating you, such as a radiologist, anesthesiologist, or pathologist, does not participate in your plan, the out-of-network provider will be reimbursed directly.

Ambulance Services Anthem covers ambulance services when one or more of these criteria are met and you are transported:

▪ By ground ambulance from your home, or from the scene of an accident or medical emergency, to a hospital.

▪ Between hospitals, including when you are required to move from a hospital that does not contract with the claims administrator to one that does.

▪ Between a hospital and a skilled nursing facility or other approved facility.

▪ By air or water ambulance from the scene of an accident or medical emergency, to a hospital.

Coverage includes medically necessary treatment of an illness or injury by medical professionals from an ambulance service.

Anthem will not cover ambulance services for non-emergency reasons.

Please note that ambulance services do not contract with health care providers, which means that ambulance services are covered at what is usual and customary.

Occasionally, employees may receive a bill from the ground ambulance service provider for remaining costs not covered by insurance. This does not apply to air ambulance services, as employees should never receive a direct bill for those. If a bill is received, it is recommended that employees contact Health Advocate at (866) 799 2691 for assistance and clarification regarding the charges.

For complete information on how ambulance services are covered under our plans, we encourage you to review your Summary Plan Description, located on Anthem.com/CA/COLB.

http://www.anthem.com/ca/colb

CARRUM HEALTH

SURGERY BENEFIT

WHERE CAN I GET MORE INFO?

Phone: (888) 855-7806

Web: Info.CarrumHealth.com/COLB

Mobile App: Search Carrum Health in the App Store or Google Play to download the app!

A surgery benefit that’s hard to believe!

When it comes to surgery or major medical treatment, you need to know you’re getting the best care. That’s why the City of Long Beach is sponsoring Carrum Health as a benefit to all Anthem PPO members. Carrum makes it easier, more enjoyable, and less expensive to get high-quality healthcare.

Covered surgeries include

▪ Knee

▪ Hip

▪ Elbow

▪ Oncology

▪ Spine

▪ Shoulder

▪ Cardiac (heart)

▪ Bariatric (weight loss)

How it works

▪ Activate your account Answer a few questions about your health history, read profiles of surgeons, and get a detailed estimate of out-of-pocket costs, if any.

▪ Meet your care specialist virtually A dedicated care specialist will reach out to walk you through the process, learn about you and your goals, and answer all of your questions.

▪ Relax as Carrum plans your surgery Your care specialist will gather your medical records, submit forms to your surgeon, and plan travel for you and your loved one, if necessary. You’ll also meet with your surgeon in person or virtually to ensure surgery is absolutely medically necessary.

▪ Receive world-class care You’ll be in the best hands on the day of your surgery and walk away feeling stronger and healthier.

▪ Never get a medical bill The Carrum Health benefit covers all of the medical costs related to your procedure, so you won’t have any surprise bills.

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Click to play video https://info.carrumhealth.com/colb/ https://youtu.be/98ZUw7ATRhk https://youtu.be/98ZUw7ATRhk

OUR PLANS

CVS CAREMARK HMO PLAN

CVS CAREMARK PPO PLAN

PHARMACY

Prescription drug coverage provides a benefit that is important to your overall health.

The City offers a three-tier prescription drug program through CVS Caremark for employees enrolled in the Anthem Blue Cross HMO and PPO Plan.

Caremark.com

CONTACT INFORMATION

Website

Caremark.com

Phone

(855) 559-7917

App

CVS Caremark Mobile App

ID Card

No http://www.caremark.com/

PRESCRIPTION

DRUG PLAN

HIGHLIGHTS

Diabetes Management (Anthem PPO & HMO Members) Next-Generation Transform Diabetes Care is customized using your data, including medical and pharmacy claims, lab work and other biometric and demographic information to develop a personal plan based on your risk profile. The program identifies the next best health action you can take for the most positive impact on your A1C levels and overall health.

The Diabetic Bundling Program waives the cost of diabetic supplies when you purchase them on the same day as your insulin. Under this program, diabetic supplies such as syringes and needles would be at a $0 member cost share if purchased on the same day as the insulin and if the insulin claim is processed first.

Population Health The City of Long Beach employees are automatically enrolled in the CVS Population Health Program, which is a comprehensive approach to addressing RX and medical gaps.

The program’s goals include:

▪ Continuous review of pharmacy claims, medical claims and lab data for a broader view of member’s physician care plan.

▪ Establish a comprehensive member profile including both Rx and medical gaps.

▪ Identify potential gaps in care for over 100+ conditions

▪ Support members in all points of therapy, in accordance with their physician care plan.

MinuteClinic (Anthem PPO Members) MinuteClinic walk-in medical clinics are staffed by nurse practitioners and physician assistants who specialize in family health care. They care for children and adults, every day with no appointment needed, at $0 copay for Anthem PPO members and their eligible dependents!

While life happens, they can help you feel better.

MinuteClinic practitioners can:

▪ Treat more than 125 minor illnesses & injuries.

▪ Provide vaccines, physicals, screenings & more.

▪ Write prescriptions, when medically appropriate.

▪ Treat adults and children 18 months and older.

▪ Share records with your primary care provider, with your permission.

CVS PERKS

▪ Vaccines. Visit any CVS Pharmacy, including CVS Minute Clinic for approved vaccinations. No appointment necessary and no cost to you or your family.

▪ Cash Pay Services. See full list of services and pricing at CVS.com/MinuteClinic/Services/Pri ce-Lists includes physicals, malaria, TB test, Strep throat test, Typhoid, Urine collection, and more.

▪ Target. Members can get their 30-day or 90-day Maintenance Choice refills at any CVS or Target locations.

https://www.cvs.com/minuteclinic/services/price-lists https://www.cvs.com/minuteclinic/services/price-lists

View your COLB prescription drug benefits, including copay amounts for specific medications, your prescription drug history, and more by registering online at Caremark.com.

PPO members, please note that when you use an out-of-network pharmacy, you must file a claim form with CVS Caremark; benefit amount paid will be reduced.

1You must meet an annual out-of-pocket limit for your plan to cover benefits at 100%.

IMPORTANT: Brand Name vs. Generic If you request a brand-name drug when there is a generic equivalent, you must either purchase the generic drug or pay 100% of the difference between the brand-name price and the generic price, plus the generic copayment. The only exception to this rule is if your doctor writes “Dispense As Written,” or

“DAW,” on your prescription, in which case the brand-name drug will be dispensed at the brand name formulary or brand name non-formulary copay (depending on the drug).

Avoid paying 2x the cost for 30-day supply For prescriptions taken on a long-term basis, members will be allowed to obtain three fills of maintenance drugs at a retail pharmacy. For all subsequent fills of the same prescription, you must use CVS Caremark

Mail Service Pharmacy or a local retail CVS Pharmacy. If you continue to fill your long-term prescription at a retail pharmacy, you will pay 2x the retail copayment and receive a 30-day supply. Please talk to your doctor about obtaining a 90-day prescription in these cases.

HMO Plan PPO Plan

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

Annual Out-of-Pocket Limit1

Individual Family

$1,000 $3,000

$3,950 $7,900

Unlimited Unlimited

Retail- 30 Day Supply Generic Preferred Brand Non-Preferred Brand

$10 copay $25 copay $40 copay

$10 copay $25 copay $40 copay

Not Covered

Mail Order- 90 Day Supply Generic Preferred Brand Non-Preferred Brand

$10 copay $50 copay $80 copay

$10 copay $50 copay $80 copay

Not Covered

CVS CAREMARK PRESCRIPTION DRUG SUMMARY

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 perform the same as brand-name drug equivalents.

To find out if a drug is on your plan’s formulary, visit Caremark.com or call the CVS customer service number at

(855) 559-7917.

CVS Caremark App The CVS Caremark app lets you refill mail service prescriptions, track order status, view prescription history and more. If you already use Caremark.com, your existing username and password will also work on the app. If not, you can register directly on the app and use your new username and password on the website.

Features include:

▪ Refill mail service prescriptions without registering or signing in (Easy Refill).

▪ Submit new mail order prescription.

▪ Check order status.

▪ Check drug costs and coverage.

▪ View prescription history.

▪ Find a pharmacy in your network.

▪ Identify unknown pills.

▪ Check potential drug interactions.

THE FORMULARY DRUG TIERS

DETERMINE YOUR COST

$ Generic Drug

$$ Brand Name Drug

$$$ Specialty Drug

Click to play video https://www.caremark.com/ https://vimeo.com/611574258/74169baef2

VOLUNTARY

BENEFITS

OUR PROGRAMS

WELLHUB

LONG BEACH CITY EMPLOYEES

FEDERAL CREDIT UNION

SCHOLARSHARE

METLIFE PET INSURANCE

Voluntary benefits are optional coverages that help you customize your benefits package to your individual needs.

City of Long Beach offers plans to help:

▪ save money on protection for your pets.

▪ access gyms and wellness programs

▪ save for college

Voluntary benefits are just that: voluntary. You have the freedom and flexibility to choose the benefits that make sense for you and your family. Or, you do not have to sign up for voluntary benefits at all. The choice is yours.

WELLHUB Premium gyms, studios and wellbeing apps Wellhub is a platform that provides you with access to many gyms and fitness studios, virtual or in person classes, personal trainers, custom fitness programs, and app partners and on demand workouts. Whether your focus is fitness, mindfulness, sleep, nutrition or financial wellness, Wellhub can help you meet your wellbeing goals. Also offered at no charge to City employees is a free Digital Plan with access to 10 wellness apps. Additional membership plan options begin at just $11.99/month with zero cancellation fees.

Invitation for Household Members Employees can add up to three household members to their Wellhub account. Each individual members will have the option of choosing their own membership tier. Membership fees are paid on an individual basis.

Wellhub Digital Plan With the digital plan, you have access to apps that promote healthy habits, mindfulness, sleep tracking, nutrition assistance, and fitness. Some of these include, MyFitnessPal, Meditopia, Sleep Cycle, Fabulous, and more.

What apps will I have access to?

Wellhub partner apps vary by which plan you choose. The free Digital Plan includes the below apps:

SIGN UP TODAY!

Visit the Wellhub website or download the Wellhub app to sign up and get started! Enter your Alt ID as your employee ID when prompted. You will also need to register with your city work email or the personal email you have listed in LifeViewHR.

Login Information: Your ALT ID can be found on LifeViewHR or on the top left corner of your timecard. It’s also the username you use to log into a City-issued computer. If you need assistance accessing your ALT ID, contact your Department Personnel/Payroll staff.

Wellhub.com

CONTACT INFORMATION

Website

Wellhub.com

App

Wellhub (Gympass) Mobile App https://wellhub.com/en-us/

LONG BEACH

CITY EMPLOYEES

FEDERAL CREDIT

UNION

Founded in 1936, the Long Beach City Employees Federal Credit Union was established during the Great Depression as a means for helping City employees achieve their financial goals. Almost 90 years later, we are committed to the philosophy of people helping people by serving our membership with financial resources and professional service.

Membership Benefits

▪ As a Member Owner, profits are returned to you in a form of lower loan rates, higher dividend rates, and lower fees.

▪ Personalized service.

▪ Appointments available via phone, online, or in person.

▪ With Direct Deposit, City employees get paid one day early.

▪ MasterCard Debit Card instantly issued in the branch.

▪ Access to more than 30,000 fee-free ATMs.

▪ Mobile Banking with access to person-to-person payments, account-to-account transfers, and Bill Pay.

▪ Free Coin Machine.

▪ Kids and Teen Accounts.

▪ Financial Education Workshops.

Exclusive Benefit for City of Long Beach employees, family members, and volunteers!

Valerie Davis

Sr. Business Dev. Officer

(562) 595-4725 x2010

VDavis@LBCEFCU.org

Long Beach City Employees

Federal Credit Union

2801 Temple Ave.

Signal Hill, CA 90755

Hours of Operation:

Monday – Friday: 9AM – 5PM

Online appointments available.

Apply for Membership at LBCEFCU.org!

mailto:vdavis@lbcefcu.org https://www.lbcefcu.org/

SCHOLARSHARE

Start Saving for Your Future Your Long Beach City Employees Federal Credit Union (LBCEFCU) partners with ScholarShare529.com, a nationally recognized college savings plan managed by TIAA-CREF Tuition Financing, Inc.

The ScholarShare529 plan is an account that allows City of Long Beach employees and retirees to invest specifically for future education expenses. ScholarShare529 is an industry leader with a 20-year track record of helping families like yours save to cover future college costs. Funds can be used from your 529 savings plan to send your grandkids, kids, or even yourself, to any accredited public or private U.S. college or university – or two-year technical or vocational institution!

There are many benefits to opening a ScholarShare529 account – here are just a few:

▪ 100% tax-free growth for qualified withdrawals

▪ Low fees and expenses

▪ Financial-aid compatible

▪ Many investment options

▪ Flexible spending choices

Getting Started on your 529 Plan Opening an account and directing funds is simple! Open your account, select your beneficiary, and choose your investment portfolio. You may work directly with ScholarShare529 to open your account, or your Long Beach City Employees Federal Credit Union crew is here to assist you and guide you through the process with ease.

You can set up a direct deposit to your LBCEFCU account for your contribution to transfer the money to ScholarShare529.

It’s easy, fast, and convenient.

Scholarshare529.com

VDavis@LBCEFCU.org

CONTACT INFORMATION

Website

Scholarshare529.com

Need assistance?

Contact Valerie Davis at LBCEFCU at

(562) 595-4725 x2010

VDavis@LBCEFCU.org https://www.lbcefcu.org/ https://www.scholarshare529.com/ https://www.scholarshare529.com/ mailto:vdavis@lbcefcu.org

METLIFE PET

INSURANCE

Pet Insurance Pets are members of the family too. When your pet gets sick, bills can add up faster than expected. Pet insurance prevents you from needing to weigh your pet's health against your bank account. Most plans offer coverage for costs associated with both accidents and illnesses—even medications. MetLife provides coverage for this program. You can enroll or unenroll in this program at any time.

MetLife Pet Insurance offers:

▪ Flexible insurance plans

▪ Freedom to visit any U.S. veterinarian and be reimbursed up to 90% of the cost of services

▪ Optional Preventive Care coverage

▪ 24/7 access to Telehealth Concierge Services for immediate assistance

▪ Discounts up to 30% and additional offers on pet care, where available

▪ Coverage of previously covered pre-existing conditions when switching providers

The enrollment and claim process is simple, with only three steps:

1. Select and enroll in the coverage that’s right for you and your pet and download the MetLife mobile app. Make sure to enter your employer as “City of Long Beach” when enrolling.

2. Take your pet to the vet and pay the bill; manage your pet’s health and wellness using the app.

3. Send the bill and your claim to MetLife and receive reimbursement by check or direct deposit if the claim expense is covered under the policy.

Important Notes:

▪ Rates for pet insurance may vary based on your pet and other factors.

▪ Payment is made directly to MetLife and will not be deducted from your paycheck.

METLIFE APP

Visit the App Store or Google Play Store to download the MetLife app and have access to view your policy, edit your pet’s profile, and submit and track claims.

MetLifePetInsurance.com/LongBeach

CONTACT INFORMATION

Website

MetLifePetInsurance.com/LongBeach

Phone

(866) 937-7387 http://www.metlifepetinsurance.com/longbeach

OUR PROGRAMS

ALLIANT MEDICARE SOLUTIONS

EMPLOYEE ASSISTANCE PLAN

MENTAL HEALTH RESOURCES

LIFEBALANCE DISCOUNT PROGRAM

WELLBEING &

BALANCE

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, chemical dependency, mental health and family issues

▪ Maximize your physical well-being

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

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.

Learn more

Please note: Active employees who are 65+ are not required to enroll into Medicare until after they separate with the City of Long Beach. If you have any questions, contact employee-benefits@longbeach.gov.

AlliantMedicareSolutions.com

CONTACT AMS

Phone

(877) 888-0165

Website

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.

Watch Social Security Planning video

Medicare 101

Social Security Planning

Your Guide to Medicare mailto:employee-benefits@longbeach.gov mailto:employee-benefits@longbeach.gov https://www.alliantmedicaresolutions.com/ https://neb.alliant.com/your-guide-to-medicare/full-view.html http://www.brainshark.com/alliant/medicare101 https://www.brainshark.com/alliant/ss_ams http://www.brainshark.com/alliant/medicare101 https://www.brainshark.com/alliant/ss_ams https://neb.alliant.com/your-guide-to-medicare/full-view.html https://neb.alliant.com/your-guide-to-medicare/full-view.html

Answers@HealthAdvocate.com

HealthAdvocate.com/COLB

CONTACT INFORMATION

Website

(866) 799-2691

Email

Answers@HealthAdvocate.com

Website

HealthAdvocate.com/COLB

Registration Code

COLBEmployees

EMPLOYEE

ASSISTANCE

PROGRAM (EAP)

Help for you and your household members There are times when everyone needs a little help, advice, or assistance with a serious concern. The EAP through Health Advocate can help you handle a wide variety of personal issues such as emotional health and substance abuse;

parenting and childcare needs; financial coaching; legal consultation; and eldercare resources.

Best of all, contacting the EAP is completely confidential, free and available to 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 6 visits per person.

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

COUNSELING BENEFITS

▪ Difficulty with relationship

▪ Emotional distress

▪ Job stress

▪ Communication/ conflict issues

▪ Alcohol or drug problems

▪ Loss and death

PARENTING & CHILDCARE

▪ Referrals to quality providers

▪ Family day care homes

▪ Infant centers and preschools

▪ Before/after school care

▪ 24-hour care

FINANCIAL COACHING

▪ Money management

▪ Debt management

▪ Identity theft resolution

▪ Tax issues

LEGAL CONSULTATION

▪ Referral to a local attorney

▪ Family issues (marital, child custody, adoption)

▪ Estate planning

▪ Landlord/tenant

▪ Immigration

▪ Personal Injury

▪ Consumer protection

▪ Real estate

▪ Bankruptcy

ELDERCARE RESOURCES

▪ Help with finding appropriate resources to care for an elderly or disabled relative

ONLINE RESOURCES

▪ Self-help tools to enhance resilience and well-being

▪ Useful information and links to various services and topics mailto:answers@healthsdvocate.com…