Benefit Deductions – Parkland Benefits

Benefits at a Glance

Benefit	Paying for Coverage
Medical and Pharmacy — Parkland Employee Health Plan (PEHP), including the Wellness Experience	You on a before-tax basis and Parkland
Dental	You on a before-tax basis
Vision	You on a before-tax basis
Health Savings Account (HSA)	You on a before-tax basis and Parkland
Health Care Flexible Spending Account (FSA)	You on a before-tax basis
Dependent Care Flexible Spending Account (FSA)	You on a before-tax basis (Parkland also contributes with a dependent care subsidy)
Basic Life Insurance	Paid by Parkland
Supplemental Life Insurance	You on an after-tax basis
Accidental Death & Dismemberment Insurance (AD&D)	You on an after-tax basis
Disability	Parkland pays for Core Plan; you pay on after-tax basis for Buy-Up, Buy-Down and Combined Plans
Critical Illness Insurance, Group Accident Insurance and Hospital Indemnity	You on an after-tax basis
Employee Assistance Program (EAP)	Paid by Parkland
Legal Insurance	You on an after-tax basis
Pet Insurance	You on an after-tax basis
Retirement Income Plan for Full-Time Employees (hired on or before Dec. 12, 2023)	You and Parkland
Mandatory Contributions for Full-Time Employees Hired After Dec. 12, 2023, and All Part-Time Employees	You and Parkland (for full-time employees only) on a before-tax basis
Supplemental Savings Plan	You and Parkland

Your 2027 Medical Biweekly Benefit Deductions (PPO)

For full-time employees, deductions are based on annual wages as shown below.

	Full-Time Employees Whose Annual Wages Are					Part-Time Employees With Benefits
Wagesrowlabel	$45,000 and Under	$45,000.01–$65,000	$65,000.01–$100,000	$100,000.01 and Over	All Hourly Rates
Coverage Category
Employee Only	$52.86	$70.08	$88.72	$93.42	$145.67
Employee Plus Children	$138.70	$181.13	$223.72	$264.34	$382.20
Employee Plus Spouse	$169.58	$224.26	$277.06	$322.04	$465.56
Employee Plus Family	$235.00	$309.44	$379.39	$444.04	$662.61

Your 2027 Medical Biweekly Benefit Deductions (HDHP)

For full-time employees, deductions are based on annual wages as shown below.

	Full-Time Employees Whose Annual Wages Are					Part-Time Employees With Benefits
Wagesrowlabel	$45,000 and Under	$45,000.01–$65,000	$65,000.01–$100,000	$100,000.01 and Over	All Hourly Rates
Coverage Category
Employee Only	$0.00	$0.00	$0.00	$0.00	$126.48
Employee Plus Children	$120.42	$157.27	$194.24	$229.51	$331.85
Employee Plus Spouse	$147.24	$194.72	$240.56	$279.61	$404.23
Employee Plus Family	$204.04	$268.67	$329.41	$385.55	$575.32

Avoid Double Deductions; Enroll As Soon As You Can

As a new employee at Parkland, you are eligible for certain benefits from your date of hire as explained in Eligibility. Payroll deductions to pay for benefits will start after you enroll. If you don’t complete your enrollment until after we process your first paycheck, Parkland will deduct your first payment retroactively (plus the current payment). You might see a double deduction after the pay period in which you enroll. Enroll as soon as you can. Doing so may eliminate the chance of a double deduction from your second paycheck to pay for your benefits.

For example, you start work at Parkland on the day before the payroll period ends. Eligibility for medical/pharmacy benefits, the health savings account, the MetLife voluntary benefits, pet insurance and the legal program begins on your date of hire. During the second payroll period (but within your 31-day enrollment window), you enroll for the PPO in the PEHP for yourself only. Parkland will take from your second paycheck two deductions to cover the medical/pharmacy benefits. For subsequent pay periods, you will pay only one deduction.

Covering Your Spouse

If your spouse has access to health care coverage through his/her own employer, you will pay a surcharge to cover them under the PEHP. The per-pay-period surcharge amount is based on your annual wages as shown below. Watch your mailbox for a packet containing next steps on the Working Spouse Health Coverage verification process. Failure to complete the verification process by the deadline means Parkland will apply the surcharge. You must repeat this process every year.

Annual Wages	Biweekly Spousal Surcharge
$45,000 and Under	$100
$45,000.01 - $65,000	$125
$65,000.01 - $100,000	$150
$100,000.01 and Over	$200

Attention Tobacco Users: Complete Your Tobacco Cessation Program by June 30, 2027

Parkland is a smoke-free campus. To avoid paying the tobacco surcharge of $30 per pay period in 2027, you will complete an attestation during Open Enrollment to participate in the Parkland Employee Health Plan (PEHP) in 2027 if you:

Were hired on or after Nov. 5, 2025.
Have changed your smoking status since last year’s Open Enrollment. For example, if you declared yourself a non-smoker in 2025 and have become a smoker or if you declared yourself a smoker during 2026 Open Enrollment and want to take a tobacco cessation class in 2027.

To avoid paying the surcharge, tobacco users will be given the option to enroll in a tobacco cessation program and submit documentation of its completion by June 30, 2027. New hires on or after Oct. 22, 2026, will not be required to attest until the next Open Enrollment period in fall 2027. Get the details in the guidelines or read the Frequently Asked Questions. Deductions for the tobacco surcharge are not eligible for refunds.

Salary Increases

Note: If your salary increases between Open Enrollment and Jan. 1, 2027, the increase may move you into a higher benefit premium salary tier than what you are in during Open Enrollment. This situation especially applies if your current salary level is close to the top of one of the salary tiers.

Your 2027 Dental Biweekly Benefit Deductions

	Cigna DHMO	Cigna DPPO
Employee Only	$6.50	$21.77
Employee Plus Children	$13.84	$58.75
Employee Plus Spouse	$12.60	$41.89
Employee Plus Family	$18.08	$72.78

Your 2027 Vision Biweekly Benefit Deductions

	Vision Plan
Employee Only	$3.00
Employee Plus Children	$4.85
Employee Plus Spouse	$6.44
Employee Plus Family	$8.83

Your 2027 Supplemental Life Insurance Biweekly Benefit Deductions

For You and Your Spouse

Supplemental Life Insurance costs for you and your spouse are based on the amount of coverage you select as well as your age and your spouse’s age.

Age	Biweekly Rate Per $1,000 for You	Biweekly Rate Per $1,000 for Your Spouse
Less than 25	$0.013	$0.021
25–29	$0.016	$0.025
30–34	$0.021	$0.033
35–39	$0.023	$0.037
40–44	$0.026	$0.042
45–49	$0.042	$0.062
50–54	$0.062	$0.096
55–59	$0.114	$0.179
60–64	$0.176	$0.274
65–69	$0.339	$0.528
70+	$0.551	$0.856

Follow these steps to determine costs for your coverage amount:

Amount of insurance desired ÷ $1,000 = Units of coverage
Units of coverage times cost (from chart above) = Biweekly cost

Here’s an example. You are 35 years old and want to elect $100,000 in Supplemental Life Insurance coverage for yourself only.

$100,000 ÷ $1,000 = 100
100 x $0.023 = $2.30 biweekly deduction (you will pay this amount each pay period)

For Your Children (up to age 26)

You pay one rate that covers all of your eligible children.

Coverage Amount	Biweekly Cost
$5,000	$0.16
$10,000	$0.32
$15,000	$0.48
$20,000	$0.65

Your 2027 AD&D Insurance Biweekly Benefit Deductions

The chart below provides examples of costs for various coverage amounts. To see all costs, visit Workday (Benefits and Pay).

Coverage Amount	Employee Only	Employee and Family¹
$10,000	$0.09	$0.12
$20,000	$0.18	$0.23
$30,000	$0.26	$0.35
$40,000	$0.35	$0.46
$50,000	$0.44	$0.58
$60,000	$0.53	$0.69
$70,000	$0.61	$0.81
$80,000	$0.70	$0.92
$90,000	$0.79	$1.04
$100,000	$0.88	$1.15
$150,000	$1.32	$1.73
$200,000	$1.75	$2.31
$250,000	$2.19	$2.88
$300,000	$2.63	$3.46
$350,000	$3.07	$4.04
$400,000	$3.51	$4.62
$450,000	$3.95	$5.19
$500,000	$4.38	$5.77

¹ Employee and Family rates apply to employee, spouse and children from birth up to age 26. Coverage for disabled children can be continued beyond age 26 if they meet the eligibility requirements.

Your 2027 Disability Biweekly Benefit Deductions

Log on to Workday (Benefits and Pay) to determine your costs for the upgraded plans. You may enroll in one or both of the upgraded plans.

Your 2027 Critical Illness Biweekly Benefit Deductions

Age	For You ($10,000)	For You ($20,000)	For You & Your Spouse ($10,000/$10,000)	For You & Your Spouse ($20,000/$20,000)
Under 26	$2.00	$4.00	$4.00	$8.00
26–30	$2.60	$5.20	$5.00	$10.00
31–35	$3.00	$6.00	$5.80	$11.60
36–40	$4.00	$8.00	$7.80	$15.60
41–45	$5.00	$10.00	$9.80	$19.60
46–50	$5.80	$11.60	$11.60	$23.20
51–55	$8.60	$17.20	$17.70	$35.40
56–60	$8.40	$16.80	$17.60	$35.20
61–65	$16.80	$33.60	$35.40	$70.80
66–70	$29.20	$58.40	$62.80	$125.60
71–75	$29.70	$59.40	$62.40	$124.80
76+	$29.70	$59.40	$61.80	$123.60

Your 2027 Accident Insurance Biweekly Benefit Deductions

	Low	High
Employee Only	$2.83	$5.64
Employee Plus Children	$5.77	$11.49
Employee Plus Spouse	$4.65	$9.28
Employee Plus Family	$7.59	$15.14

Your 2027 Hospital Indemnity Biweekly Benefit Deductions

	Low	High
Employee Only	$4.59	$8.93
Employee Plus Children	$7.40	$14.42
Employee Plus Spouse	$9.19	$17.97
Employee Plus Family	$12.00	$23.47

Your 2027 Legal Insurance Biweekly Benefit Deductions

You pay $7.87 per pay period for legal coverage.

Your 2027 Pet Insurance Biweekly Benefit Deductions

Choose the pet insurance option that’s best for your pet and take advantage of preferred pricing.

Call MetLife at 800-438-6388 or Nationwide at 877-738-7874. (To enroll your bird, rabbit, reptile or other exotic pet, you will need to call.)
For MetLife, go to metlife.com/getpetquote (for dogs and cats only). For Nationwide, go to petinsurance.com/affiliates/parklandhospital_pr.

Your 2027 Home & Auto Insurance Biweekly Benefit Deductions

Get special group rate discounts on auto, home and renters insurance from Liberty Mutual and Travelers. To get a free quote, contact:

Travelers at 888-695-4640 (discount code: 8255)
Liberty Mutual at 800-699-3741 (PIN: 116261)

COBRA Benefits (Monthly Premium)

Eligible to continue medical, dental or vision coverage under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA)? Check out the 2026 rates and 2027 rates that you or your dependents will pay. If you (or your dependent) are Medicare-eligible, see “If You Leave Parkland” on Qualified Status Changes – Parkland Benefits at the bottom of the page for more options through Allstate Health Solutions.