LTD Decision Guide

If you do not take any action during Benefits Open Enrollment you will lose your tobacco-free premium discount beginning January 1, 2026. This is a substantial benefit/cost savings offered to all Ball State University employees who are, and remain, tobacco-free. BENEFIT NEWS AND CHANGES FOR 2026 Cardinal Day of Well-being The Office for People and Culture is proud to announce the Cardinal Day of Well- being. This day will be in conjunction with the Employee Benefits Fair and will be enhanced with well-being presentations throughout the day. Programming will be offered around the five pillars of well-being: financial, community, physical, social and career. Join us Wednesday, October 29, 2025 from 10:00 am to 3:00 pm, in the Student Center Ball Room. All Ball State employees are invited to attend. Several insurance, financial, health, and Ball State vendors will be in attendance to answer questions, conduct presentations, or provide services and information. Please mark your calendars now. 2026 Benefits Open Enrollment The 2026 Benefits Open Enrollment period is scheduled for October 22, 2025, through November 6, 2025. This is your annual opportunity to make changes to your insurance benefits without an IRS-defined qualifying event. Changes made during the Open Enrollment period will be effective January 1, 2026. If you choose not to make any changes for 2026, some of your current benefits will carry over. You can complete the Tobacco- Free Premium Discount Affidavit online during Open Enrollment at www.bsu.edu/payroll or via the paper form enclosed in this packet. 2026 Benefits Open Enrollment Employee Benefits

Change in Vendor The Office for People and Culture is excited to share that effective January 1, 2026 we are transitioning our Life, AD&D, LTD, and both ASO-STD and voluntary STD plans to Voya. If you are currently being paid LTD benefits with The Hartford, those payments will continue with The Hartford. Your current beneficiaries will remain valid for this plan. HIGHLIGHTED BENEFIT FEATURES HSA Qualified Health Plan This plan has the highest deductibles and also continues to have the lowest premiums. There are no plan changes with this plan this year. Please visit our website for complete plan details. New rates are listed below. PPO Health Plan This plan covers preventive services at 100%. Blood work at contracted labs (LabCorp, American Health Network and Quest Diagnostics) are not subject to the deductible and are also covered at 100%. There are no plan changes this year. Please visit our website for complete plan details. New rates are listed below. Prescription Benefits The University continues to use CVS Caremark as its third-party administrator for prescriptions. Register online at www.Caremark.com/startnow to find network pharmacies, refill medications, check order status, check drug cost, and see your prescription history. Specialty medications are becoming a huge cost driver to our plans. With Ball State’s health plan being self-funded, we strive for all plan members to check costs for prescriptions and see if lower-cost alternatives are available. By being good stewards of our insurance expenditures, we can all work to keep our health claims and insurance premiums low. If you have questions about your prescription plan or costs, you may call CVS Customer Care at 1-866-243-4881 or contact our office. Walgreens continues to be out of our pharmacy network. Insurance Billing for 2026 Insurance billing will continue to be processed and mailed on a monthly basis. You are welcome to pay more than one monthly installment if you prefer. Simply multiply your monthly amount due by the number of months you would like to pay. If you want to receive your statements via email, complete a form at bsu.edu/ebill-opt-in. Please note that this opt-in form requires the Statement ID printed at the bottom of your paper statement. For more information visit https://bsu.edu/eBill. Questions regarding your billing statements should be directed to Employee Benefits at 765-285-1834. Working Spouse Provision The Working Spouse Provision remains in effect for our health plans. If your spouse is: ➢ working full time, and; ➢ his or her employer offers group health care coverage, and; ➢ the employer funds at least 60 percent of the coverage, you cannot cover your spouse as a dependent on your medical plan unless he or she is also enrolled in his/her employer’s group health plan. It is important if your spouse has a change in employment that you complete and submit an updated Working Spouse Affidavit that is available online at www.bsu.edu/payroll under the Forms, Policies, and Guides tab.

EE+CH = Employee Plus Child(ren) 2026 OPEN ENROLLMENT INFORMATION SESSIONS Meeting Type Date Time Location Open Enrollment Video Presentation Online – view on demand Wednesday, October 22 – Thursday, November 6 8:00 am Link available at www.bsu. edu/payroll Open Enrollment Presentation Thursday, October 23 9:00 am – 11:00 am Student Center, Cardinal Hall C Meet and Greet with Benefits Staff Monday, October 27 3:00 pm – 5:00 pm Service and Stores Building (SV) Open Enrollment Presentation – Zoom Tuesday, October 28 9:00 am – 11:00 am Zoom - Online Benefits Fair – Cardinal Day of Wellbeing Wednesday, October 29 10:00 am – 3:00 pm Student Center, Ball Room Open Enrollment Presentation – Zoom Monday, November 3 2:00 pm – 4:00 pm Zoom - Online The Open Enrollment Presentation is recorded and can be viewed on our website on demand. We are also offering the same presentation via Zoom on 10/28 and 11/3. Contact Us Employee Benefits Administration Building, G29 Muncie, IN 47306 765-285-1834 Fax: 765-285-8480 Email: peopleandculture@ bsu.edu bsu.edu/payroll 2026 HEALTH PLAN PREMIUMS (Medical + Prescription) TF = Tobacco Free HSA Qualified Health Plan PPO Health Plan Biweekly 10 month (18 pays) 12 month (26 pays) 10 month (18 pays) 12 month (26 pays) Single TF Discount $56.75 $39.29 $97.45 $67.46 Single Full Rate $106.75 $73.91 $147.45 $102.08 EE+CH TF Discount $107.84 $74.66 $185.18 $128.20 EE+CH Full Rate $157.84 $109.27 $235.18 $162.82 Family TF Discount $147.35 $102.01 $252.99 $175.15 Family Full Rate $197.35 $136.62 $302.99 $209.76 DENTAL PLAN PREMIUMS Biweekly 10 month (18 pays) 12 month (26 pays) Single $8.87 $6.14 EE+CH $16.84 $11.66 Family $22.98 $15.91