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Table of Content

  1. Header
  2. Overview
  3. Eligibility & Enrollment
  4. Medical & Pharmacy
    1. Medical Plans Overview
    2. Pharmacy Information
    3. Providers & Networks
    4. Cigna MDLive
    5. Value Add Programs
    6. Resources & Education
  5. Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
    3. Dependent Care Reimbursement Account (DCRA)
  6. Dental
    1. Dental Plans Overview
    2. Providers & Networks
  7. Vision
    1. Network & Resources
  8. Financial Protection
    1. Life/AD&D
    2. Disability
    3. Voluntary Benefits
  9. Wellbeing
  10. Personal Support & Assistance
    1. Employee Assistance Plan (EAP)
  11. Additional Plan Features
  12. Additional Educational Videos
  13. Plan Documents
  14. Have Questions?
  15. Footer

Overview

We are proud to offer a comprehensive program of benefits designed to serve the diverse needs of our unique workforce, and we are committed to continually enhancing and expanding our offerings. The information in this guide is meant to familiarize you with the benefits and programs currently in place. Highlights of the 2026 benefit plans include:

  • No plan design changes for medical, dental, and vision.
  • Salary Band Changes for 2026
  • Slight Rate Changes
  • HSA maximums increased to $4,400 for individuals / $8,750 for family
  • FSA annual maximum increased to $3,400

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!

2025 Benefit Guide

2025 Benefit Guide

Eligibility & Enrollment

Full-time and contract employees must work at least 30 hours per week to remain eligible to participate throughout the year. Eligibility is reviewed on a quarterly basis.

Eligible Dependents may include:

  • Your legal spouse or domestic partner
  • Your child who is less than age 26 or Court ordered eligible dependents with legal guardianship

If you are electing to cover your dependents on your medical, dental or vision benefits, proof of dependent eligibility is required.

Domestic Partnership for Medical, Dental and Vision Insurance Coverage: Domestic partners are eligible for medical, dental and vision benefits. In addition, these benefits will also be extended to the children of the domestic partner.

    • Eligibility: Domestic partners will be defined as two adults who are not related by blood, who have lived together continuously for at least one year and plan to do so indefinitely, are mutually responsible for their common welfare, reside at the same address, and maintain no other domestic partnerships or marriage.
    • Completing an Affidavit: An employee who is interested in Domestic Partner Benefits must read and sign an affidavit. The Declaration of Domestic Partnership affidavit can be obtained from People Operations. This must be completed and forwarded to People Operations along with the required back-up documentation.
    • Tax Consequences: Unless the domestic partner is considered the employee’s dependent under the Internal Revenue Code, the IRS treats the value of the dependent health insurance as imputed income. Employees are advised to review the consequences of electing this benefit with their own tax advisor.
    • Payment of Premium: According to IRS guidelines, premium contribution towards domestic partner coverage for medical expenses cannot be administered through Section125 (pre-tax). The full premium will be charged for the domestic partner.
    • Legal Consequences: Employees are advised to consult an attorney regarding the possibility that filing an affidavit of domestic partnership may have certain legal consequences, including the fact that it may in the event of the termination of the partnership relationship, be regarded as a factor in court to treat the relationship as the equivalent of marriage for the purpose of establishing and dividing community property or for ordering payment of support.
    • Health Saving Account: If you elect to participate in the HSA plan option domestic partners can't use their HSA to pay for their partner's health expenses, unless they claim their partner as a federal tax dependent. Individuals should seek tax guidance from a tax attorney related to tax dependency of domestic partners.

Changing Benefit Elections

In the event of a life status change, changes can be made outside of the Open Enrollment period provided they are made within 30 days of the event change and proper documentation is provided. Examples of life events include:

Change in marital status (marriage, death of spouse, divorce, legal separation)
Change in number of dependents (birth, death, adoption, eligibility status, child support order)
Change in employment status for you or your spouse (new employment, termination, leave of absence, full-time to part- time or vice-versa)
Special enrollment rights under HIPAA
Medicare coverage

Medical & Pharmacy

(888) 806-5094 | myCigna

Cigna will continue to be your medical and prescription carrier. You have the choice of three plans: a PPO plan with in and out-of-network coverage, an EPO plan with in-network coverage only, and a High-Deductible Plan (HDHP).

If you are already enrolled in any of the Advertising Council's Cigna medical plans today and have not already done so, please be sure to register through the Cigna member portal where you can access important information pertaining to your medical plans with Cigna including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the Cigna portal as of your effective date of coverage.

Below is a high-level overview of your plan options and benefit information:

You can view more details of these plans by accessing the benefit summaries provided below.

The information is intended as a general outline of the benefits offered under your employer's benefits program and should not be considered legal, investment, or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official written Plan Documents that may include carrier policies, contracts, and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this brochure differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. If you have any questions regarding this, contact Human Resources.

Cigna Member Portal

Your coverage must be active together to register

Cigna Member Portal

Your coverage must be active t ...

Look up your prescriptions by viewing the Cigna Drug List on myCigna. Look up the name of your prescriptions and determine which level the drug is and whether a Prior Authorization (PA) or Quantity Limits (QL) apply. You can also determine whether there may be lower cost alternatives for your prescriptions.

Helpful Rx Cost Saving Tools & Tips!

MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to three-times the standard 30-day copays noted above, resulting in lower expenses for you.

CIGNA 90 NOW Program - This program makes it easier for you to fill your maintenance medications. These are the medications you take on a regular basis to treat an ongoing health condition like asthma, diabetes, high blood pressure or high cholesterol. With the Cigna 90 Now program, you have the choice of how and where you want to fill your prescriptions. Every pharmacy in your plan’s network can fill 30-day prescriptions, and a select number of pharmacies can fill 90-day prescriptions. To see a full list of the retail pharmacies in your plan’s network that can fill a 90-day prescription go to Cigna.com/Rx90network.

ASK YOUR DOCTOR – Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

Cigna Drug List

Cigna Drug List

Two of the three plans Ad Council offers provide out-of-network coverage for a variety of services. Cigna's High Plan and HSA Plan include out-of-network coverage. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing.

Cigna provides access to telehealth services as part of your medical plan allowing you to receive medical care (including prescriptions for most common ailments) for a wide range of minor conditions via phone and video consultations. The care is available to you 24 hours a day, 7 days a week, 365 days a year, at a lower cost.

MDLIVE

  • Website: www.MDLIVEforCigna.com
  • Phone: 888-726-3171

Register:

  • Set up your account
  • Complete a medical history questionnaire
  • Download the vendor apps to your smartphone (or utilize the website)

Virtual Annual Wellness Visits

  • Wellness screenings are essential points of contact in a customer’s health journey. Cigna is providing alternative care settings to reach employees (and their dependents) where they are in their wellness journey, while in the comfort of their own home if they choose.

Cigna Virtual Care

  • Medical virtual care- Board-certified doctors and pediatricians can diagnose, treat, and prescribe most medications for minor medical conditions.
  • Behavioral/ mental health virtual care - Licensed counselors and psychiatrists can diagnose, treat and prescribe most medications for nonemergency behavioral / mental health conditions.

Mental Health solutions fall across a spectrum of care, ranging from solutions that address mental well-being, prevention and resilience, to solutions that provide clinical care and treatment for those diagnosed with mental health disorders.

Talkspace – Digital Counseling / Therapy

•A virtual platform to access licensed therapists via video and private texts.

•Treatment for those who are facing issues related to anxiety, depression and burnout, and who are experiencing substance use or obsessive-compulsive disorders (subject to deductible & coinsurance).

Headspace – Behavioral Health Coaching

•Offers confidential mental healthcare through behavioral health coaching via text-based chats, self- guided learning activities and content, and, if needed, video-based therapy and psychiatry (subject to deductible & coinsurance).

Cigna/MDLiveBehavioralHealth– Digital Counseling / Therapy

•Telehealth visits with a MDLive Behavioral Health provider is embedded in the medical plan (subject to deductible & coinsurance).

Calm App - App for Meditation and Sleep

  • Offers a full library of guided meditations and specialized music playlists to help with stress and focus.
HDHP+HSA

HDHP+HSA

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Accounts

You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Ad Council.

(866) 346-5800 | HealthEquity

A Health Savings Account (HSA) allows members to put money aside to pay for current and future qualified medical expenses using pre-tax dollars. An HSA allows dollars to “roll over” annually. Your HSA provides a triple tax advantage: contributions are tax deductible, balances grow tax free, and all withdrawals for qualified expenses are tax free.

Eligibility Requirements

  • Must be enrolled in High Deductible Health Plan – HSA Plan
  • Must not be enrolled in Medicare
  • Must not be covered by other medical insurance(s) such as a general-purpose health FSA, HRA and other “first dollar” coverage
  • Must not have received VA medical benefits at any time in the past three months
  • Spouse not contributing to / participating in a general-purpose FSA through his or her employer

Maximum Tax-deductible Contribution to an HSA for 2026:

  • $4,400 for an individual medical insurance plan
  • $8,750 for employee plus one and family medical insurance plan
  • Catch up provision for anyone over the age of 55 is $1,000

AD Council 2026 Company Contribution:

  • Contribution of $1,200 for 2025
    • $600 Contributed on January 1, 2025
    • $600 Contributed on July 1, 2025

Visit the Health Equity HSA page for more information by clicking HealthEquity

HSA Overview

HSA Overview

HSA Store

HSA Store

(800) 473-9595 | BRI

The Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is you have access to the full annualized amount on day one!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event.

FSA options:

  • Health Care FSA: To pay for qualifying medical, dental, and vision expenses. This type of FSA is only available if you do not have an HSA.

Plan Details are as follows:

  • You can contribute up to $3,400 annually.
  • At the end of the 2026 plan year, if you have not used all of your FSA funds, a maximum of $660 will carry over into next year's FSA plan (should you elect an FSA for the 2026 plan year).
  • You have access to your full annualized election amount on day one.
  • You have 90 days after the end of the plan year to submit for expenses
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Flexible Spending Account

Flexible Spending Account

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How to Optimize your FSA

How to Optimize your FSA

(800) 473-9595 | BRI

The Dependent Care Reimbursement Account (DCRA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!

The election you make cannot be changed throughout the year unless the change aligns with the qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event.

Plan Details are as follows:

  • You can contribute up to $7,500 annually or $3,750 for married couples filing separately.
  • You only have access to the funds of which you have paid into the account.
  • Any unused funds are forfeited.
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Dependent Care FSA

Dependent Care FSA

Dental

(888) 806-5094 | myCigna - pending! update

Ad Council's dental plans provide comprehensive coverage to help you, and your family maintain good dental health. The dental plans include both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.

If you are already enrolled in one of the Ad Council's Cigna Dental plans today and have not already done so, please be sure to register through the Cigna member portal where you can access important information pertaining to your dental plan, including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Cigna portal as of your effective date of coverage.

Cigna Dental

Dental

Cigna Dental

Dental

Ad Council will continue to offer coverage with Cigna in 2026. The coverage will remain the same with no change in benefits and no change in the employee rates - The PPO Plan offers benefits for a wide range of covered services both in and out of network for basic and major services. Orthodontia coverage is included for dependents (through age 19).

Below is a high-level overview of your plan options and benefit information:

The information is intended as a general outline of the benefits offered under your employer's benefits program and should not be considered legal, investment, or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official written Plan Documents that may include carrier policies, contracts, and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this brochure differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. If you have any questions regarding this, contact Human Resources.

Cigna Dental PPO Certificate of Coverage

Cigna Dental PPO Certificate of Coverage

Cigna Dental PPO Certificate of Coverage for Mississippi Residents

Cigna Dental PPO Certificate of Coverage for Mississippi Residents

Cigna offers a large national dental network. You will not be balance billed if you see a PPO dentist - giving them added savings. If you do choose to visit a nonparticipating dentist, you may be balance billed and may have to pay more.

Locate a participating provider by using the button below.

Vision

EyeMed

(888) 806-5094 | myCigna

Ad Council offers vision coverage through Cigna to help pay for eye exams, prescription glasses and contact lenses.

If you are already enrolled in one of Ad Council's Cigna vision plans today and have not already done so, please be sure to register through the Cigna member portal where you can access important information pertaining to your vision plan, including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the MetLife portal as of your effective date of coverage.

Below is a high-level overview of your plan benefits: Update below

The information is intended as a general outline of the benefits offered under your employer's benefits program and should not be considered legal, investment, or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official written Plan Documents that may include carrier policies, contracts, and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this brochure differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. If you have any questions regarding this, contact Human Resources.

You may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to Cigna for the applicable reimbursement based on the out-of-network reimbursement schedule.

Locate a participating provider using the button, select the Cigna network.

Financial Protection

Ad Council understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.

A sudden accident or death can leave you or your loved ones in a vulnerable position. Advertising Council provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of 1.5 times annual base salary up to a maximum of $400,000 at no cost to you. Employees have the opportunity to enroll in additional Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. As a reminder, please keep your life insurance beneficiary information up to date.

  • Basic Life and Accidental Death & Dismemberment - 100% paid for you by Ad Council!
    • 1.5 times annual base salary up to a maximum of $400,000

Everyday illnesses or injuries can interfere with your ability to work, more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.

Ad Council provides Short (STD) and Long-Term Disability (LTD) benefits at no cost to you. LTD is paid for by Ad Council but taken out on a post tax from employee.

STD Benefits

  • Short Term Disability and Paid Family leave - 100% paid for by Ad Council!
  • Short term income protection due to temporary illness or to care for an immediate family member

LTD Benefits

  • Offers a 60% income replacement of monthly earnings
  • Maximum of $15,000 per month of income replacement.
  • LTD coverage remains unchanged and will continue to be provided by SunLife for the 2025 plan year.
  • Deductions for this benefit will be taken on a post-tax basis.

Ad Council provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to you. These benefits are paid for through payroll deduction on a post-tax basis so that the benefits are tax free.

Voluntary Life and Accidental Death & Dismemberment

  • For yourself: 1x annual base salary up to $250,000
  • For your spouse: An amount of $50,000 or $100,000 - Requires the completion of an Evidence of Insurability Form
  • For your Child(ren): $10,000 for each child
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Wellbeing

In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Advertising Council, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

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Personal Support & Assistance

Ad Council realizes that your needs go beyond just the standard insurance. This is why we also provide all employees, and their families access to personal service and assistance resources at no cost. Here you will find information on our Employee Assistance Program and Travel Assistance resources, both to give you peace of mind and support when you need it the most!

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Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services. Representative who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.

  • Unlimited Referrals for child, pet, and elder care,
  • Unlimited referrals for personal services and community resources
  • Legals services and support
  • Plus much more!

Contact Ad Council's EAP toll-free at 800-460-4374 for more info and to take advantage of these free services when you need them most.

Additional Plan Features

403(b) Retirement Plan

  • For the 2025 calendar year, the maximum annual limit that is allowed to be contributed to the 403(b) plan is $23,500
  • You can elect or change your annual contribution by making your election online during open enrollment - either in a flat dollar amount or a %.

Commuter Benefit Plan

  • Through BRI, we offer a Commuter Benefit Plan (CBP)
  • This is a tax-free account for workplace commuting expenses (including mass transit and parking expenses / excluding taxis, tolls and fuel).
  • You can elect to contribute up to $325 per month for mass transit expenses and up to $325 per month for parking expenses.

Pet Insurance

  • Pet Insurance through Nationwide will cover veterinary expenses related to accidents and illnesses
  • Policies are available for dogs, cats, birds, reptiles and other exotic pets
  • Optional CareGuard wellness coverage is also available for dogs and cats, providing reimbursement for preventive care necessary to keep pets healthy

Legal Plan

  • Ad Council will offer Legal protection through MetLife to represent you in various legal matters

Identity Protection

  • Allstate provides security for Personally Identifiable Information (PII) by monitoring multiple data points and financial transactions across various online networks including the dark web and black-market websites
  • AIP provides access to identity theft specialists to provide information and administrative support during the restoration process

Wellness Reimbursement

  • Employees have the freedom to choose which wellness benefit or membership works for them
  • With proof of membership, receive up to $30 per month reimbursement deposited into your paycheck

Calm App

  • One-year Calm subscription for you and up to 4 dependents with unlimited access to Calm’s full library of content!
  • Explore guided meditations and specialized music playlists to help with stress and focus, mindful movement video and audio, relaxing Sleep Stories, tailored content for children, wisdom-filled masterclasses led by experts, and much more.
  • Whether you have 30 seconds or 30 minutes, Calm’s diverse content library offers resources to suit your schedule and needs

Additional Educational Videos

Plan Documents

Benefit Summary DPPO Plan Advertising Council, Inc. _628077_01.01.2025

Benefit Summary DPPO Plan Advertising Council, Inc. _628077_01.01.2025

Benefit Summary OAP Plan 37126597 Advertising Council, Inc._628077_01.01.2025

Benefit Summary OAP Plan 37126597 Advertising Council, Inc._628077_01.01.2025

Benefit Summary OAPIN Plan 37126567 Advertising Council, Inc._628077_01.01.2025

Benefit Summary OAPIN Plan 37126567 Advertising Council, Inc._628077_01.01.2025

Benefit Summary HDHPQ OAP Plan 37126620 Advertising Council, Inc._628077_01.01.2025

Benefit Summary HDHPQ OAP Plan 37126620 Advertising Council, Inc._628077_01.01.2025

Cigna Dental PPO Certificate of Coverage

Cigna Dental PPO Certificate of Coverage

Cigna Dental PPO Certificate of Coverage for Mississippi Residents

Cigna Dental PPO Certificate of Coverage for Mississippi Residents

Have Questions?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.

NFP Benefit Concierge Service

NFP Benefits Concierge

NFP’s Benefits Concierge provides a one-stop contact center for your employees, assisting you with:

• Benefits questions

• ID card requests

• Claims and billing inquiries

• Prescription issues

• Provider network questions

Toll Free Number: (877) 835-1361

DBbenadmin@nfp.com

NFP ClaimsAdvocacy

NFP’s Claims Advocacy provides a wide range of claims assistance, such as:

• Claim resolution / approvals

• Claim denials (appeals)

• Questions and concerns regarding health benefits

• Reimbursement requests

Toll Free Number: (877) 835-1361

CSclaims@nfp.com

The information is intended as a general outline of the benefits offered under your employer's benefits program and should not be considered legal, investment, or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official written Plan Documents that may include carrier policies, contracts, and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this brochure differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. If you have any questions regarding this, contact Human Resources.

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