Exhibit_C_-_2026_Benefits_Guide_(1).pdf

Benefits Guide www.tampagov.net/benefits

More detailed benefits information is available at:

Table of Contents 6 Introduction

7 Qualifying Event

8 Medical Insurance

10 Medical Plan Highlights

12 HRA

13 Wellness Incentives

14 Flexible Spending Account (FSA)

15 Level2 Diabetes Management

16 Dental Plan Highlights

17 Vision Plan Highlights

18 Onsite Healthcare Representatives

19 City of Tampa Wellness Centers

20 Ways You can Control Costs

21 Real Appeal

22 Enrolling in Your Benefits

23 Employee Assistance Program (EAP)

24 Basic Term Life Insurance

25 Long-Term Disability Insurance

26 Deferred Compensation - FMPTF

27 Deferred Compensation - Nationwide

28 Elective Benefits

29 Contact Information

30 2026 Calendar

To All Our City of Tampa Employees, Retirees and Your Families, This year’s budget theme, “Grounded in Progress”, reflects the tireless work that keeps our community firmly grounded in progress. This budget not only maintains the stability we depend on, but also thoughtfully invests in the future, allowing us to build brick by brick toward a more resilient growth while addressing Tampa’s crucial infrastructure maintenance needs. When we continue to work together and stand together, our community values flourish with a high quality of life, safe neighborhoods and a solid foundation. The City of Tampa is grounded and flourishing in large part due to you, the men and women who serve our citizens.

As Mayor, I see every day the great contributions our dedicated City employees make delivering essential services and improving the quality of life for the citizens of our great city. I want to personally thank you for providing the services that our residents rely on every day.

Your health as well as the health and well-being of your family are very important. Each year, our Human Resources Team works to ensure that the benefits offered continue to meet your varied needs while also effectively managing the costs.

Our successful partnership with United Healthcare, the Wellness Centers operated by Care ATC, and all of you have resulted in cost avoidance and improved health for our City family. The Wellness Centers deliver high quality medical care and convenience at no cost to you and your family.

Along with the other options available to you in this booklet, the City’s leave benefits (including caregiver leave), retirement programs, life, disability, and flexible spending account options provide a rich comprehensive program to meet your family’s needs.

This 2026 Benefits Guide provides a benefits summary; full details can be found on your My Benefits website at tampagov.net/benefits. I encourage you to review this information carefully as you make your 2026 benefit selections either as a new employee joining the City or during the annual open enrollment.

Thank you for being a valued member of our City of Tampa team!

Sincerely, Jane Castor

Jane Castor, Mayor From the Office of the Mayor http://tampagov.net/benefits

Reminder Enrollment in 457 Deferred Compensation is not an open enrollment event. You can enroll/review/ update your 457 deferrals anytime during the calendar year. Please keep in mind any change you make is effective for the pay period that you make the election.

2026 Benefits Open Enrollment Your annual benefits enrollment offers you the chance to review your current coverages, make new elections, and add or remove any dependents for the plan year beginning January 1, 2026.

Benefits Specialist from Employee Family Protection (EFP) will be on site at various locations November 1st through November 15th to meet one on one. Benefits Specialists can also assist with your enrollment during this time by calling the EFP Call Center at 844-231-1623.

• The deadline for you to complete activities for HRA Incentives for 2026 is

November 30th.

• Flexible Spending Accounts enrollment is open every year during open enrollment for those who wish to participate.

for the City.

• Dental PPO premiums will increase by 3%. DHMO and Vision premiums will remain the same in 2026.

Although you are encouraged to review your benefits every year during annual enrollment, there is no action required for you to remain enrolled in your current elections for health, dental, vision, and elective benefits (i.e., Trustmark, Legal Club) for the 2026 plan year.

Biweekly Employee

Biweekly Employer

Monthly Retiree Rate

City Plan Single $0.00 $576.36 $1,248.78

Family $257.44 $881.30 $2,467.27

Simple Wellness

Single $22.95 $576.36 $1,298.50

Family $303.33 $881.30 $2,566.69

4 City of Tampa, Florida | 2026 Benefits Guide

November 1st - November 15th, 2025

City of Tampa, Florida | 2026 Benefits Guide

Introduction

The City of Tampa understands that your benefits are important to you and your family. This Benefits guide provides a description of the City’s benefits program. More detailed information about all of your benefits can be found on the City’s Human Resources Department Employee Benefits page located on the City’s website www.tampagov.net/ benefits. Included in this guide are summary explanations of the benefits and costs, as well as contact information for each provider. It is important to remember that only those benefit programs for which you are eligible and have enrolled, apply to you.

We encourage you to review each section and to discuss your benefits with your family members.

Be sure to pay close attention to applicable co-payments and deductibles, how to file claims, pre-authorization requirements, participating networks, and services that may be limited or not covered (exclusions).

This guide is not an employee/employer contract.

It is not intended to cover all provisions of your plans, but rather a quick reference to help answer most of your questions. Please see your Summary Plan Description and/or carrier certificates for complete details. We hope this benefits guide will give you an overview of your benefits and help you be better prepared for the enrollment process.

Enrolling in Benefits If you are an eligible employee, regularly scheduled to work 30 or more hours per week, a qualified part-time employee, a retiree or an eligible dependent, you may make a change to your benefits if you experience a qualifying event.

You can also enroll or change benefits during our annual Open Enrollment period each year.

Benefits Eligibility Employee Eligibility Benefit eligible employees are provided the opportunity to participate in the City of Tampa sponsored health benefits program on the first full payroll cycle after the date of hire and annually during Open Enrollment.

Dependent Eligibility* A dependent is defined as a covered employee’s legal spouse, domestic partner and dependent children of the employee or employee’s spouse or domestic partner.

Dependent children will be covered until the end of the calendar year in which they reach age 26. A dependent child is defined as:

• A natural child

• A step-child

• A legally adopted child

• A child for whom legal guardianship has been awarded to the covered employee or the employee’s spouse or domestic partner

• Unmarried children of any age who become mentally or physically disabled before reaching the age limit

FL Statute 627.6562 Dependent Coverage:

Health insurance coverage is available for dependents age 26 to 30. Please visit the employee benefits website at www.tampagov.net/ benefits for more information.

FL Statute 627.641 Coverage for Newborn Children: Newborn children of a covered family member other than the spouse of the insured or subscriber, can be covered until they reach 18 months of age. Example: Grandchildren

*Proof of dependent eligibility may be requested. Domestic Partner enrollment will require completion of the City of Tampa Declaration of Domestic Partnership.

City of Tampa, Florida | 2026 Benefits Guide 6 http://www.tampagov.net/benefits http://www.tampagov.net/benefits http://www.tampagov.net/benefits

Your Responsibility Before you enroll, make sure you understand the plans and ask questions. In January, check your first payroll stub to make sure that the correct deductions are being made and for the benefits you’ve elected.

Any corrections must be made by contacting Benefits no later than January 17, 2026.

You should also verify that all beneficiary information is current.

Additional information on all the benefits can be found on-line by visiting www.Tampagov.net/Benefits.

A Qualifying Event allows you to make a change to your benefit elections.

Coverage elections made during Open Enrollment cannot be changed until the next annual Open Enrollment period. The only exception to this IRS Section 125 Rule is if you experience a “Qualifying Event.” A Qualifying Event allows you to make a change to your benefit elections within thirty days of the event.

Examples of Qualifying Events include, but are not limited to:

• Marriage

• Divorce or legal separation

• Birth, adoption, or legal custody of a dependent child

• Involuntary loss of other group health insurance coverage

• Death

• Electing coverage under another group health plan

If you experience a Qualifying Event, you must contact HR Employee Benefits at (813) 274-5757 or Benefits@tampagov.net within 30 days of the event to make changes to your benefit elections.

Qualifying Event

City of Tampa, Florida | 2026 Benefits Guide 7 http://www.Tampagov.net/Benefits mailto:Benefits%40tampagov.net?subject=

Medical Insurance Administered by UnitedHealthcare

Administered by UnitedHealthcare All eligible City employees and their dependents qualify to enroll. For 2026, employees will continue to have a choice of the two current medical plans, which will be unchanged for 2026. Both plans will provide the same covered benefits and the same network of medical providers; however, the way you share in out-of-pocket costs differs, as does how incentive rewards are applied.

Wellness incentive rewards earned by an employee and a covered spouse or domestic partner are placed in the HRA, which can then be used to cover out-of-pocket costs which apply to the deductible. The City Plan with HRA covers 90% of the cost of medical services (except those subject to copayment) after meeting the deductible. Members will pay 10% coinsurance until meeting the out-of-pocket maximum.

Employees also have the choice of the Simple Wellness Plan at a higher premium than the City Plan with HRA. In this plan an employee’s wellness incentive dollars are used to fund the Dollar First Benefit Allowance to lower the out-of-pocket costs. This allowance helps you and your dependents pay for eligible services such as physician visits, hospital services, lab tests and x-rays. The allowance is applied before you begin to pay your deductible. While you are utilizing your Dollar First Benefit Allowance, copayments will still apply.

You can locate a physician or other medical provider by contacting UnitedHealthcare Member Services, or go to UnitedHealthcare’s website at www.myuhc.com.

Calendar Year Deductible and Out-of-Pocket Maximum Calendar Year Deductible is a specified dollar amount that you must pay for certain covered services per calendar year after your HRA Account or Dollar First Benefit Allowance has been exhausted, depending which plan you enroll in. There are individual and family deductibles. Once an individual or a family deductible has been satisfied, you will only be required to make coinsurance payments or copayments until your out-of-pocket maximum has been met.

The Calendar Year Out-of-Pocket Maximum is the amount of covered expenses (including deductible and copayments) that must be paid by you, either individually or combined as a covered family. Once this maximum has been met, the plan will pay 100% of covered services for the remainder of the calendar year.

City of Tampa, Florida | 2026 Benefits Guide 8 http://www.myuhc.com

Prescription Drugs If your physician chooses a brand name drug to treat your condition, ask if a generic is available in the same class of drugs. As long as your physician approves, you will be getting an effective drug that is proven to address your condition, and you will be saving money. Because generic drugs are significantly less expensive and chemically equivalent to their brand name counterparts, it makes sense to save money by asking your doctor to prescribe generic medications.

The City of Tampa’s prescription drug plan (both retail and mail order) includes a generic program.

Under this program, the plan will pay the cost for the generic option only. You will be responsible for any remaining difference in cost.

The information above is a summary and not a full representation of the plan provisions.

Employees should view the Summary Plan Descriptions, Benefit Summaries and other information which is available on the Human Resources Employee Benefits website on the intranet or at www.tampagov.net/benefits.

2026 Medical Insurance Payroll Deductions

Biweekly Employee Biweekly Employer Monthly Retiree Rate

City Plan Single $0.00 $576.36 $1,248.78

Family $257.44 $881.30 $2,467.27

Simple Wellness Single $22.95 $576.36 $1,298.50

Family $303.33 $881.30 $2,566.69

City of Tampa, Florida | 2026 Benefits Guide 9

City Plan with HRA

In-Network Out-of-Network

Provider Network Name Choice Plus

Wellness Incentives Wellness Incentive Amount Earned by Employee and Spouse/ Partner placed in a Health Reimbursement Account

Deductibles

Individual $2,000 $4,000

Family $4,000 $8,000

Out-of-Pocket Maximum

Individual Out-Of-Pocket Maximum $4,000 $8,000

Family Out-Of-Pocket Maximum $8,000 $16,000

Lifetime Maximum Unlimited Unlimited

Physician Office Services

Virtual Visits $15 N/A

Primary Care Physician (PCP) Office Visits $30 30% after deductible

Specialist Office Visits $30 for Tier 1 / $50 all others 30% after deductible

Preventive Care / Colonoscopy / Mammogram No charge 30% after deductible

Urgent Care and Emergency Room

Urgent Care Facility $50 30% after deductible

Emergency Room Facility Services $300 $300

Diagnostic Services

Independent Lab / Independent Ray X-Ray 10% after deductible 30% after deductible

MRI, MRA Scans , CT Scans & PET Scans 10% after deductible 30% after deductible

Hospital / Facility Services

Inpatient Hospital (per admit) 10% after deductible 30% after deductible

Outpatient Surgery Free Standing/Hospital 10% after deductible 30% after deductible

Pharmacy Services

Tier 1 $30 Network Copay plus difference

Tier 2 $60 Network Copay plus difference

Tier 3 $90 Network Copay plus difference

Tier 4 25% 25% plus difference

Retail/Mail-Order Pharmacy 90-Day Supply 2x copay Not covered

Medical Plan Highlights Administered by UnitedHealthcare

City of Tampa, Florida | 2026 Benefits Guide 10

Simple Wellness Plan

In-Network Out-of-Network

Provider Network Name Choice Plus

Wellness Incentives Wellness Incentive Amount Earned by Employee is available for each covered family member and payable by Dollar First Benefit Allowance.

Deductibles

Individual $2,000 $4,000

Family $4,000 $8,000

Out-of-Pocket Maximum

Individual Out-Of-Pocket Maximum $4,000 $8,000

Family Out-Of-Pocket Maximum $8,000 $16,000

Lifetime Maximum Unlimited Unlimited

Physician Office Services

Virtual Visits $15 N/A

Primary Care Physician (PCP) Office Visits $30 30% after deductible

Specialist Office Visits $30 for Tier 1 / $50 all others 30% after deductible

Preventive Care / Colonoscopy / Mammogram No charge 30% after deductible

Urgent Care and Emergency Room

Urgent Care Facility $50 30% after deductible

Emergency Room Facility Services $300 after deductible $300 after deductible

Diagnostic Services

Independent Lab / Independent Ray X-Ray No Charge after deductible 30% after deductible

MRI, MRA Scans , CT Scans & PET Scans $200 after deductible 30% after deductible

Hospital / Facility Services

Inpatient Hospital (per admit) $400 a day up to 5 days after deductible 30% after deductible

Outpatient Surgery Free Standing/Hospital $100 - Free Standing $250 after deductible - Hospital 30% after deductible

Pharmacy Services

Tier 1 $30 Network Copay plus difference

Tier 2 $60 Network Copay plus difference

Tier 3 $90 Network Copay plus difference

Tier 4 25% 25% plus difference

Retail/Mail-Order Pharmacy 90-Day Supply 2x copay Not covered

City of Tampa, Florida | 2026 Benefits Guide 11

HRA

Health Reimbursement Account (HRA) Your Health Reimbursement Account (HRA) is an account funded by the City of Tampa.

• The incentive amount earned through participation in City’s wellness initiatives in 2025 is placed in your HRA account for 2026. The deadline to complete activities for HRA Incentives for 2026 is November 30th.

• Your HRA will help you pay for covered services.

This includes paying for services other than copayments that apply to your deductible, such as inpatient hospitalization, outpatient treatment and diagnostic services.

• Any unused HRA balance reverts to zero at year end.

HRA and Dollar First Funds HRA and Dollar First funds are automatically applied to medical claims sent to UHC by your provider(s). Claims are paid in the order in which they are received.

HRA and Dollar First funds cannot be “saved” by the member for a specific use. Example: if you’re planning a procedure in 2026, you cannot save up your incentive dollars to be applied towards that specific treatment.

City Plan with HRA Wellness Incentives can be earned by both a covered employee and spouse or domestic partner and are placed in the HRA, which can be used to cover out-of-pocket medical costs which apply to the deductible. The City Plan with HRA covers 90% of the cost of medical services (except those subject to copayment) after meeting the deductible. Members will pay 10% coinsurance until meeting the out-of-pocket maximum.

Simple Wellness Wellness Incentives can be earned by the employee only and are available for use by each covered family member. For example, if an employee earns $500, each enrolled family member will have $500 available. In this plan, an employee’s wellness incentive dollars are used to fund the Dollar First Benefit Allowance to lower the out-of-pocket costs. This allowance helps you and your dependents pay for eligible out-of-pocket expenses such as physician visits, hospital services, lab tests and x-rays. This allowance cannot be used to pay your deductible.

Your HRA is funded by the City of Tampa

City of Tampa, Florida | 2026 Benefits Guide 12

Wellness Incentives Administered by Rally

Incentive Reward

Rally Health Survey $100

Complete 1 of the following cancer screenings/exams:

Colon, Breast, Cervical, Annual Physical, Prenatal or PSA $200

Biometric Screening (On-site, MD Form) $200

Tobacco Free Attestation $200

Real Appeal (Complete 9 Sessions) $200

Engage with Health Coach for three sessions $200

Complete or attest to completing Annual Dental Exam $100

Complete or attest to completing Annual Vision Exam $100

Virtual Visit through UnitedHealthcare $100

Complete Three Rally Missions $100

Attend a Wellness Onsite Class or Webinar (Repeatable Quarterly) $100 per quarter/maximum $400

Attest to completing a City sponsored 5k race $100 New Incentive in 2026

Receive or Attest to receiving your Flu Shot $50

Complete a City of Tampa Rally Walking Challenge (Repeatable Quarterly)

$100 per quarter/maximum $400

Receive or Attest to receiving your COVID-19 Booster $50

Below is the incentive structure for the Simple Wellness Plan. Incentives can be earned through various activities as listed in the incentive activities and rewards chart. Depending on how much wellness incentive you earn, that will determine your First Dollar Benefit amount. In order to receive any First Dollar Benefit, you must earn at least $250 in incentives. For example, if you earn $600 in wellness incentives, you will be placed into the $500 Simple Wellness Plan. If you earn $50 in wellness incentives, you will not have any incentive and will be placed in the $0 Simple Wellness Plan.

$0 - $249 = $0 incentive Simple Wellness Plan $250 -$499 = $250 incentive Simple Wellness Plan $500 -$749 = $500 incentive Simple Wellness Plan $750 - $999 = $750 incentive Simple Wellness Plan

$1,000 or more = $1,000 incentive Simple Wellness Plan

Rally Engage

City of Tampa, Florida | 2026 Benefits Guide 13 https://gcly.io/16dbLmTzt

Do Not Over Estimate Be conservative in your calculations. If you do not incur eligible expenses for the full amount you elected to put in your FSA, the remaining balance in your account will be forfeited according to IRS regulations.

Use it or lose it!

Flexible Spending Account (FSA) Administered by UnitedHealthcare

FOR ACTIVE EMPLOYEES ONLY

There are two types of Flexible Spending Accounts: Health Care and Dependent Care.

Flexible Spending Accounts (FSA) help you save money by providing a way to pay for certain types of health care and dependent care on a pre-tax basis. FSA dependent care covers child care expenses for dependents under age 13 and elder care expenses for adults who are unable to support themselves.

How FSA Works During Open Enrollment, you decide how much money you want to contribute for the year - up to $3,300 per family for healthcare FSA and up to $5,000 per family for dependent care (daycare/elder care) FSA. This is your one opportunity to enroll unless you experience a qualifying event. The amount you designate for the year is divided in equal installments each pay period and placed in a FSA account.

How the Debit Card Works The debit card has an automatic payment feature that allows eligible medical and prescription claims, when you are responsible for a portion of the costs, to automatically pay from your FSA account. This will automatically reduce the available funds in your FSA. The FSA debit card cannot be used for dependent care expenses.

Estimate Expenses Carefully To receive the greatest savings, you must carefully estimate the amount of eligible out-of-pocket expenses you will have for the year.

Once you have estimated the total annual amount, that amount is what will be deducted from your gross pay (before taxes) each pay period to be used to fund your Flexible Spending Account. The City of Tampa has 26 pay periods per year. To get a complete listing of what is considered an eligible expense please refer to IRS.gov and refer to publication 502.

Active employees have until March 15th of the following plan year to incur medical expenses and until March 30th to submit claims. If an employee terminates employment before the end of the calendar year and has an account balance, the employee has 90 days from the date of termination to file claims for medical expenses incurred while still an active employee. You may have rights to claim medical expenses on your FSA if you elect COBRA upon terminating employment. If you elect COBRA, contact the UnitedHealthcare onsite representative for more information.

City of Tampa, Florida | 2026 Benefits Guide http://IRS.gov

Learn more and join at mylevel2.com/care Or talk to an expert at 1-844-302-2821 (TTY 711)

Level2 Diabetes Management Administered by UnitedHealthcare

Here's how it works:

With Level2 Specialty Care, you can get new insights on what affects your glucose and adopt healthy actions to reduce it – essentially getting from “I can’t” to “I can.”

Insights With a no-cost continuous glucose monitor you’ll see what works for you in real time — all without fi ngersticks.

Care Team Made up of providers, coaches, dietitians and other experts to guide you through Level2.

Level2 Method A defined process to understand and work to improve glucose control in a series of phases.

Go beyond just managing type 2 diabetes with Level2 Specialty Care. You can work to improve your type 2.

If you are living with type 2 diabetes, take a moment — how are you doing today?

Check all that apply:

It doesn’t have to be this way.

Things don’t have to feel off anymore — at Level2 we believe type 2 diabetes can be improved and we can show you how.

City of Tampa, Florida | 2026 Benefits Guide 15 http://mylevel2.com/care

Dental Plan Highlights Administered by Humana

You have the choice between a DHMO and a PPO plan. The first option is a pre-paid DHMO plan with In-Network benefits only. All benefits are subject to a comprehensive fee schedule that outlines copays and charges for services. For a complete summary of copays by procedure please refer to the Humana Schedule of Benefits. The PPO plan provides coverage for both In-Network and Out-of-Network (non-contracted dentist) coverage. You will maximize your benefits and minimize your out of pocket expenses when you seek care from a contracted Humana PPO dentist.

To search for a provider, do the following:

1. Scan the QR code or go to humana.com/findadentist

2. Enter Zip Code, select “Look Up” to choose a network

3. Select the coverage type, click DHMO Network, and in drop-down box choose HS195 DHMO/Pre-Paid, click Select (for PPO, select Traditional/Preferred).

You must select a Primary Care Dentist for the DHMO Plan

* �Out-of-Network Benefits are subject to additional billing by provider. Register on Humana.com to find the full benefits schedule and/or certificate of coverage, claim information and ID cards.

** �Adult fluoride is not covered. Humana’s PPO Plan includes a 3rd oral examination and a 3rd routine cleaning per year.

*** �Amount shown is co-payment and does not include Lab costs.

Plan DHMO HS195 PPO Plan

Network Access In-Network In-Network Out-of-Network*

Calendar Year Maximum N/A Unlimited

Your Responsibility Your Responsibility

Deductible Individual / Family N/A $50 / $150 (waived for Preventive) Dental Description Routine Office Visits - 9430 $0 $0 20% Teeth Cleaning - 1110** $0 $0 20% Full Mouth/Panoramic X-rays - 0330 $0 $0 20% Resin based posterior one surface (white filling) -2391 $30 20% after deductible 40% after deductible

Extractions - 7140 $5 20% after deductible 40% after deductible Endodontics - 3330 $210 20% after deductible 40% after deductible Periodontal scaling - 4341 $50 per quadrant 50% after deductible 50% after deductible Full or partial dentures- 5110*** $325 + Lab Cost 50% after deductible 50% after deductible Crowns - 2752*** $245 + Lab Cost 50% after deductible 50% after deductible Orthodontia Treatment Plan & Records $250

Children only through age 18 50% up to $2,000 per lifetime

Evaluation $35 Retainers $300 Child Orthodontia $1,850 Adult Orthodontia $1,850

2026 Dental Insurance Premiums

Dental Coverage (Bi-Weekly Deduction)

DHMO PPO

Single $6.29 $15.33 Individual +1 $12.45 $28.68 Family $22.13 $47.46

Retiree Dental Coverage (Monthly Premium)

DHMO PPO

Single $13.62 $33.21 Individual +1 $26.97 $62.13 Family $47.94 $102.84

City of Tampa, Florida | 2026 Benefits Guide 16 http://humana.com/findadentist http://www.humana.com http://Humana.com

Network Access In-Network Out-of-Network

Eye Exam (Ophthalmologist) Covered in Full Reimbursed up to $33

Eye Exam (Optometrist) Covered in Full Reimbursed up to $28

Frequency 1 per Calendar Year

Contact Lens Fitting (Standard) $30 Copay Not Covered

Contact Lens Fitting (Specialty) $30 Copay then covered up to $50 Not Covered

Frequency 1 per Plan Year Materials Lenses (Standard Plastic) Single Vision Covered in Full after $15 Copay Reimbursed up to $28 Bifocals Covered in Full after $15 Copay Reimbursed up to $40 Trifocals Covered in Full after $15 Copay Reimbursed up to $53

Standard Progressives* Standard Progressive is

Covered up to the Lined Trifocal Level after $15 Copay

Standard Progressive OON is covered up to $53

Polycarbonate (Up to age 19) Covered in Full after $15 Copay Not Covered Tints Covered in Full after $15 Copay Not Covered Frequency 1 per Calendar Year Frames Frames $150 Allowance Up to $70 Reimbursement Frequency 1 per Calendar Year Contacts Contact Lenses** $150 Allowance Reimbursed up to $100 Medically Necessary Contacts Covered in Full Reimbursed up to $210 Frequency 1 per Calendar Year

Active Employee Bi-Weekly Deduction Single $2.27

Individual +1 $4.55

Family $7.60

Retiree Quarterly Premium Single $14.76

Individual +1 $29.58

Family $49.41

Vision Plan Highlights Administered by Superior Vision

Superior Vision provides affordable quality vision care nationwide. Through Superior’s provider network, you can obtain a comprehensive vision examination, as well as eyeglasses (lenses and frames), or contact lenses.

Carefully review the vision care program summary and take advantage of this very important benefit.

You can call Superior’s Customer Service Center at (844) 549-2603 for any questions about your coverage or contracted providers or you may visit their website at www.superiorvision.com.

If you elect not to enroll in the Superior vision plan but you are enrolled in the group medical plan, you have access to a basic discount vision program through UnitedHealth. You can get one routine eye exam per calendar year at no cost.

Visit www.myuhc.com for more information.

2026 Vision Insurance Premiums

* �If premium progressive lenses are selected, members receive an allowance based on the providers charges for a lined trifocal

** �Contact lenses are in lieu of eyeglass lenses and frames benefit

City of Tampa, Florida | 2026 Benefits Guide 17 http://www.superiorvision.com

Your Onsite Representative can help you with the following:

area

• Answer questions about bills and coverage

• Navigating the UHC digital tools/ website

Savio Crasto cotonsiterep@uhc.com

(813) 274-8279

The City of Tampa UnitedHealthcare Onsite Team

Your Health Coach can help you with the following:

• Coach you to reach personal and healthy lifestyle goals

• Assist you to understand your modifiable health risks

• Identify and recommend appropriate wellness programs

• Partner with you in your wellness journey

Stef Olstad, BSW cotcoach@uhc.com

(813) 535-0482

Your Nurse Liaison can help you with the following:

programs

• Help you find a network provider or facility

• Understanding medical terminology/treatment info

Debbie Johns, RN cotnurse@uhc.com

(813) 482-4856

Scan this QR code to schedule an appointment https://gcly.io/ P69d3Y8xB

All information shared with the UHC team is strictly confidential and will not be shared with the City of Tampa.

Your dedicated UnitedHealthcare Team is available to employees, retirees, and dependents covered under the City’s Group Health Plan.

City of Tampa, Florida | 2026 Benefits Guide 18 mailto:cotonsiterep%40uhc.com?subject= mailto:cotcoach%40uhc.com?subject= mailto:cotnurse%40uhc.com?subject= https://gcly.io/P69d3Y8xB https://gcly.io/P69d3Y8xB

City of Tampa Wellness Centers The City of Tampa Wellness Centers, operated by CareATC, are available to employees, Non- Medicare, retirees and their dependents enrolled in the City’s Group Medical Plan. The centers are managed by physicians and staff who provide easy and cost-free access to the highest quality medical services.

CareATC has expanded services to include virtual visits for acute medical needs. This allows our providers to provide medical care while reducing exposure to illness for other patients. Virtual visits are convenient, cost-free, and help reduce exposure to COVID-19.

Come to the Wellness Center for your Primary Healthcare needs including:

How to Schedule an Appointment To schedule your appointment call (813) 559-0559, downloaded the app, or or visit CareATC’s patient portal at www.careatc.com.

The first time that you log into the system at the CareATC website, you will be asked to complete the registration process and assign your own unique password. Follow the prompts to schedule your appointment.

Please note: You can also schedule an appointment through the CareATC mobile app.

You will use the same username and password that you use for the patient portal.

Meet your Wellness Center Providers Wellness Center Extended Hours, evening and Saturday are offered at both Himes and Brandon to better serve our City of Tampa families.

Cary Pilet, MSN, ARNP-BC

Sergei Popov, DO

Anil Patel, MD

Brittany Moore, MD

Jibril Skaden, MD

Meet our team of providers who are ready to assist you!

Beth Lloyd, MD

Brandon Wellness Center 413 W. Robertson St., Suite A Brandon, FL 33511 Monday – Friday 8:00 am to 5:00 pm Saturday 8:00 am to 12:00 pm

Himes Wellness Center 4107 N. Himes Ave., Suite 101 Tampa, FL 33607 Monday – Wednesday 7:00 am to 6:00 pm Thursday 7:00 am to 6:30 pm Friday 7:00 am to 5:00 pm Saturday 8:00 am to 12:00 pm

Hanna Wellness Center 2515 East Hanna Ave Tampa, FL 33511 Monday – Friday 8:00 am to 5:00 pm

Cori Crow, FNP

City of Tampa, Florida | 2026 Benefits Guide 19 http://www.careatc.com

Ways You Can Control Costs

You and your family members can be active in controlling the overall health care cost paid by you and the City. Below are just a few ways in which lower cost effective treatment can be accessed.

• Find Care & Costs or get an estimate at www.myuhc.com

• Engage the UnitedHealthcare disease management or case management, if you qualify

• Seek primary care services at the City’s Wellness Centers, operated by CareATC

• Use lower cost UnitedHealthcare’s Tier 1 medications when available in accordance with physician approval

Many times we don’t need immediate medical care, and in those instances where you go to get that care can have an impact on costs, both yours and the City health plan! Of course, you should always go to the emergency room for a serious illness or injury. However, for services that are not urgent or of an emergency nature you should try to use the City Wellness Center or another physician. Urgent Care centers are higher priced but often offer services not usually found in a physician’s office and see patients without appointments. Free standing emergency rooms have popped up in many areas, and at casual glance appear no different than an urgent care center. However, they are emergency rooms and you will pay the higher emergency room copay, and the City will pay emergency room rates on the services. Please do not hesitate to visit the an emergency room in an urgent situation.

Choose Where You Seek Medical Services Carefully

City Wellness Center

NO COST

Specialist Physician Office Tier 1 $ / Tier 2 $$

Primary Care Physician Office

Urgent Care

Free Standing Emergency

Room

Hospital Emergency

Room

City of Tampa, Florida | 2026 Benefits Guide 20

Real Appeal Weight Loss Support

Have you previously signed up for Real Appeal® but found it just wasn’t the right time for you? We get it — life is busy. If you do find yourself ready to give it another go, our coaches will be there to help you stay focused on your health and create new, lasting habits.

Helping You Get (and Stay) on Track Real Appeal is a program on Rally Coach™ available to you and eligible family members at no additional cost as part of your health plan benefits.

Personalized Guidance Chat 1:1 with an online coach who is there to guide you and offer the support you need to stay on track.

Online Support — All in One Place Take control of your goals, track meals and exercise, view your progress, and reach out to your coach for support — all from your own device.

Motivational Resources Access a digital library of health-focused content to stay informed and inspired. You’ll also receive a Success Kit — delivered right to your door.

Get up and move It’s important to have breaks throughout your day.

Check In Check in often with people at work, even if it’s not about work, and know when to log off.

Develop a Routine Have a dedicated workspace, set daily goals, and schedule time for breaks.

Haven’t enrolled in Real Appeal? Visit the URL above to get started.

Log in and get back on track.

enroll.realappeal.com

Real Appeal is provided at no additional cost to eligible members as part of their covered health insurance plan. ©2020 Real Appeal, Inc.

All rights reserved.

We’re here when you’re ready.

City of Tampa, Florida | 2026 Benefits Guide 21 http://enroll.realappeal.com

Enrolling in Your Benefits

FOR ACTIVE EMPLOYEES ONLY

How to log on to Oracle to select your benefits:

1. Click the Oracle icon on your computer desktop.

2. Enter your User Name. Type a period between your first and last name. Example: james.smith.

3. Enter your password. Click the button. If you have forgotten your password then click the “forgot password click here to reset” button. If this is your first time logging on to Oracle then contact the T&I help desk at (813) 274-8067.

4. From the Oracle Applications Home Page, click Benefits.

5. Click Make Changes to update your benefits for 2026.

6. Click the submit button.

7. Click the Confirmation Statement button to print a copy of your enrollment for your records.

8. Click the Your Benefits tile, choose the drop down next to Today, choose specific date and enter 01/01/2026, click the Print button on right for a PDF summary of your elections. This can be done at anytime during the year.

If you need additional assistance with on-line enrollment, visit the City’s Intranet and click on Employee Benefits on the City Intranet or tampagov.net/benefits. This will take you to the Human Resources Employee Benefits web page where all Open Enrollment information is posted including step-by-step Oracle Procedures for Benefits Enrollment.

Screenshots from the Enrollment Screenshot: Start Enrollment

Screenshot: After you click “Submit”

Screenshot: Open Event

City of Tampa, Florida | 2026 Benefits Guide 22 http://tampagov.net/benefits

Employee Assistance Program (EAP) Administered by Wood & Associates, and UnitedHealthcare Live and Work Well

FOR ACTIVE EMPLOYEES ONLY

Types of issues for Which you Can Obtain Support

• Core Services

General counseling for stress, depression, family issues, substance abuse, child care, work life services, educational resources, marriage counseling and elder care resources.

• Financial Planning Resources for investment plans, estate planning, debt reduction, retirement planning, bankruptcy, tax support, college funding, and budget management.

• Legal Services Referrals and discounts for services such as creating or modifying a will, consumer issues, criminal matters, traffic citations, living wills, power of attorney, separation and divorce.

• Mediation Referrals For divorce, child custody, estate settlement, family disputes, real estate matters, financial collections, and contractual disputes.

Employee Assistance Program From time to time many of us will face problems at work or at home that we are not sure how to solve. These can range from employer problems to marital problems or even substance abuse.

That’s why the City of Tampa is pleased to offer its employees two confidential Employee Assistance Programs. The People First EAP, is administered locally by Wood & Associates. The second program is available if you are covered under the UnitedHealthcare medical plan and is referred to as Live and Work Well.

These programs offer you professional assistance in dealing with almost any life issue.

From stress or depression to legal or financial issues, EAP can help!

These services are available to you and your dependents by calling a toll free phone line open 24 hours a day - 7 days a week. All conversations are confidential. These EAP programs differ slightly, however, free telephonic and face-to-face sessions are available. Contact the EAP provider for specific details.

People First EAP Wood & Associates In Hillsborough: (813) 870-0392 In Pinellas: (727) 576-5164 Out-of-Area: (800) 343-4670 www.woodassociates.net

Optum EAP UnitedHealthcare

(866) 248-4096 Liveandworkwell.com Access code: Tampa

From stress or depression to legal or financial issues, EAP can help!

City of Tampa, Florida | 2026 Benefits Guide 23 http://www.woodassociates.net http://Liveandworkwell.com

Basic Term Life Insurance Administered by The Standard

FOR ACTIVE EMPLOYEES ONLY

The City of Tampa provides you with Basic Term Life Insurance at no cost through The Standard.

The amount of insurance is specified in the applicable union contract or the Personnel Manual for non-union employees. Special benefits for law enforcement officers and firefighters are also included.

The Plan will also match your Basic Life Insurance benefits for Accidental Death and Dismemberment (AD&D). The AD&D benefit will provide your beneficiary with an additional amount equal to the basic term life insurance in force, if death is due to an accident. If the employee is dismembered (such as loss of an eye or limb), benefits will be paid to the employee as a percentage of the basic life amount.

Supplemental Coverage In addition to the Basic Term Life coverage provided by the City you can also purchase supplemental life insurance for yourself and your eligible dependents.

Employee - Purchase in increments of $10,000 up to a maximum of $500,000. If you are a newly eligible employee you can purchase up to $200,000 without answering any health questions.

If you request an amount above $200,000, or you did not enroll when initially eligible, or you are increasing your insurance during open enrollment, you will be required to answer health questions.

Spouse/Domestic Partner - Purchase in increments of $10,000 up to a maximum of $500,000. If your spouse is newly eligible you can purchase up to $50,000 without answering any health questions. If you request an amount above $50,000, or you did not enroll when initially eligible, or you are increasing your insurance during open enrollment, you will be required to answer health questions.

Children - For dependent children through age 25, you can purchase life insurance in the amount of $5,000 or $10,000.

Portability: If you separate service or take a leave of absence you have an option to continue your supplemental term life coverage.

Visit www.tampa.gov/human-resources/info/ term-life to download forms.

Beneficiary Information Please make sure that your beneficiary information is up to date in Oracle Self Service.

City of Tampa, Florida | 2026 Benefits Guide 24 https://www.tampa.gov/human-resources/info/term-life https://www.tampa.gov/human-resources/info/term-life

Long-Term Disability Insurance Administered by New York Life

FOR ACTIVE EMPLOYEES ONLY

This coverage is provided by New York Life and replaces part of your income if you meet the policy’s definition of disabled and are unable to work. All full-time employees automatically receive the City-paid base plan that replaces 30% of income up to a maximum of $10,000 per month. This coverage is effective on the first day of the month following 180 days of continuous employment. You may elect to increase the coverage from the 30% plan to the 50% plan or the 60% plan the first time you enroll as a new employee. Thereafter, you may increase your coverage by only one level during the annual open enrollment period but no more than 60%. You will be required to satisfy an additional pre-existing condition period associated with the increase in coverage. See your certificate booklet for details.

The cost of coverage depends on your age and salary, and it will be automatically reviewed and adjusted on January 1st of each year. Disability benefits will be coordinated with other sources of income such as Social Security, retirement and workers compensation incomes which ultimately reduce your disability benefit. For more information regarding long-term disability benefits or to file a claim, call Benefits at (813) 274-5757.

New York Life offers an Employee Assistance Program (EAP) for all members enrolled on the Long-Term Disability plan. For more information on this EAP call: (800) 344-9752 or visit online and register at guidanceresources.com; Web ID: NYLGBS. You can view a benefit summary at Employee Assistance & Wellness Support - New York Life | City of Tampa

Retirement Deferred Compensation Deferred Compensation is a program that allows you to contribute part of your salary to a retirement account before taxes are taken out.

For 2025, you are able to defer up to $23,500 plus $7,500 catch up subject to IRS revision (ages 50 and up) or 100% of your income, whichever is less. Participants age 60 to 61 may contribute a catchup of $11,250 above the normal limit. The deferral limits are subject to change annually.

Employees have the option of enrolling in a pre-tax deferred compensation plan and/or a ROTH after tax plan. Employees can use Nationwide Retirement Solutions or Florida League of Cities as their Deferred Compensation administrator, but may not have deductions go to both providers at the same time. The City makes theses available to employees as a service, but does not contribute to the funding of these plans. As is the case with any investment, careful consideration regarding the costs and benefits of each plan should be evaluated by the employee prior to making a selection.

City of Tampa, Florida | 2026 Benefits Guide 25

Deferred Compensation Administered by Florida Municipal Pension Trust Fund

Why Participate In The 457(b) Deferred Compensation Plan?

It’s automatic and easy. You choose pre-tax or after-tax (Roth) contributions. Individuals can no longer count on the federal government and their employers to provide a secure retirement for them. Investing a little money each month now can grow into a large amount of money when you retire. With pre-tax money invested, participants can enjoy the effects of compound growth without the worry of paying taxes until after they begin to withdraw funds. With Roth after-tax money invested, participants pay taxes upfront then withdraw funds later without paying additional taxes.

Who Are The FLC And The FMPTF?

The Florida League of Cities (FLC) was created in 1922 to meet and serve the needs of Florida’s municipalities. Administered by the FLC, the Florida Municipal Pension Trust Fund (FMPTF) was established in 1983 for the purpose of collectively managing employee retirement programs of participating Florida governments. The FMPTF is a nonprofit, member-owned trust providing professional and cost-effective investment and administrative service. This structure means we not only have lower expenses, but also are able to look out for our participants’ best interests.

Low Expenses And Fees, Clearly Disclosed The FMPTF charges participants a 0.20% annual administrative fee. Participants also pay investment expenses to the mutual fund companies in which they invest. Participants pay an average of 0.22% in expenses. See our full brochure or visit FLCretirement.com for other fees that may apply.

Rodney Walton Account Executive rwalton@flcities.com

(813) 340-7545 Serving Tampa employees since 2015

Jeremy Button Senior Analyst jbutton@flcities.com

(850) 701-3625 Serving Tampa employees since 2011

Contact Participating in your FMPTF 457(b) Deferred Compensation retirement plan is easier than you might think!

Contact Jeremy Button or Rodney Walton at 888-945-7401, retirement.flcities.com/tampa/ or retirement@flcities.com if you are interested in receiving more information or visit our website at flcretirement.com. Start contributions through your Oracle employee portal, then sign up for an online account at bit.ly/tampa457.

City of Tampa, Florida | 2026 Benefits Guide 26 http://FLCretirement.com mailto:rwalton%40flcities.com?subject= mailto:jbutton%40flcities.com?subject= http://retirement.flcities.com/tampa/ mailto:retirement%40flcities.com?subject= http://flcretirement.com http://bit.ly/tampa457

Deferred Compensation Administered by Nationwide

Plan Now For A Comfortable Retirement You might be thinking that you have a lot of time before you need to think about retirement. You’re right. But you may need to put that time to work.

Here’s why:

• Your pension might not cover all your living expenses in retirement

• You want to save more so you can enjoy your time in retirement

• The more time you have, the easier it is to fill a potential income gap

The sooner you start, the easier it can be.

If you wait, it could take much more per pay period to achieve the same goal.

It’s time to get started!

Deferred Compensation Makes it Easy Through your employers 457(b) deferred compensation plan, you:

• Contribute to your account each pay period

• Invest that money so it can potentially grow into a lot more

• Use tools to monitor your account and make adjustments as needed

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.

To Enroll or Schedule An Appointment visit:

www.tampadeferredcomp.com/rsc-web-preauth

Information provided by Retirement Specialists is for educational purposes only and not intended as investment advice. Nationwide Retirement Specialists and plan representatives are Registered Representatives of Nationwide Investment Services Corporation, member FINRA, Columbus, Ohio.

Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2023 Nationwide

Seth D Freeman, MBA, ChFC®

(813) 696-7194 frees13@nationwide.com

Alpesh Patel, MBA

(813) 702-8946 patea28@nationwide.com

City of Tampa, Florida | 2026 Benefits Guide 27 http://www.tampadeferredcomp.com/rsc-web-preauth mailto:frees13%40nationwide.com?subject= mailto:patea28%40nationwide.com?subject=

Elective Benefits

FOR ACTIVE EMPLOYEES ONLY

Elective benefits are available to eligible employees by meeting with an Employee Family Protection (EFP) Benefit Counselor.

Sign up to enroll by calling (844) 231-1623 or by going online at: www.efpnow.com/cotappointments.

Benefits available through EFP are:

Critical Illness with Cancer Insurance (Critical Health Events) - Provides immediate financial relief from the overwhelming expenses of a serious illness such as a heart attack, stroke or cancer. It pays you a lump sum cash benefit which can be used any way that you wish. This policy contains a pre-existing condition limitation.

Short-Term Disability (Paycheck Protect) - If you find yourself unable to work due to a non-occupational illness or injury, short term disability can help…