Decision Support

Choosing the right plans matters to your health and your financial wellbeing. Use these resources to learn more about your benefits and select the best options for you and your family.

• Mosaic's Virtual Benefits Fair - Explore supplier booths to learn more about your benefit options at any time. Receive live support from suppliers and submit questions to Mosaic's HR team.
• alex - Use this new medical plan decision support tool to help estimate your healthcare needs, compare costs, and choose the plan that best fits your needs.

Questions? If you have unanswered questions or need help enrolling, contact HR Connect at 1-855-660-6947, or click on the icon in the bottom right of your screen to chat with Mosaic’s benefits assistant.

Use this checklist to help you enroll in your benefits.

• Learn about your benefit options on this website.
• Think about your coverage needs, including how much health care you anticipate needing and whether your current level of life insurance provides enough protection.
• Make sure your dependent information is correct in Workday and all your dependents are eligible. If adding dependents to coverage for the first time, upload dependent verification documents within Workday or send to HRConnect@mosaicco.com.
• Consider your FSA and HSA contribution amount and re-enroll if needed. Select an amount that will help you pay for your anticipated health care or dependent care expenses with tax-free money. Learn how these accounts save you money.
• Review your beneficiaries. Review your life insurance beneficiary information during the enrollment process (especially if your life situation has changed) and take this opportunity to make updates in Workday as needed. Don’t forget your 401(k) beneficiary, too, which requires logging on to the Fidelity website.
• Mosaic is offering employees the opportunity to receive Health and Wellness notices about your employee benefits electronically. Please go to Mosaic Connect and search "Electronic Health and Wellness Consent" to take action.
• If you are located in Florida or Louisiana, attend an in-person Benefits Fair to ask questions directly to our benefit suppliers.
• Review your current elections and make changes to your benefits on HR Connect by November 10.
• Overwhelmed by all your health plan options? Use alex, our new guided decision support tool that can help estimate your healthcare needs, compare costs, and choose the plan that best fits your needs.

1. Do I have to enroll?

   If you want to make changes to your current benefit elections, or if you want to contribute to a Health Care or Dependent Care Flexible Spending Account (FSA) in 2026, you must take action during Annual Enrollment from October 27 - November 10, 2025. You also must take action during Annual Enrollment if you want your Health Savings Account (HSA) payroll deductions to begin with the first pay period in January 2026. You may start, stop, or change your HSA contributions at any time — your elections are effective as soon as administratively possible.

2. What happens if I don't enroll by November 10?

   If you do not enroll, your current benefits coverage will roll over to 2026, with the exception of your Flexible Spending Account (FSA) enrollment and Health Savings Account (HSA) contributions. You must elect these accounts during Annual Enrollment if you want to contribute in 2026 — even if you currently participate. Also, please note that you must elect the employer HSA contribution in Workday if you want to receive it.

3. How are the medical plans different?

   The key difference between the plans is how much you pay in premiums and how much you pay for services throughout the year. If you would rather pay more from your paycheck for a medical plan that covers more of your costs when you need care, then consider the Traditional Plan. If you would rather pay as little as possible from your paycheck with the option to save money on a pre-tax basis— even if that means bigger bills when you need care, then the Consumer Plan with an HSA may be best for you. If you are comfortable with higher out-of-pocket costs at the time of care, but lower upfront costs via a monthly premium, review the new Core Plan. Compare the plans here.

4. What’s the difference between the Health Care Flexible Spending Account (FSA) and the Health Savings Account (HSA)?

   The way the Health Care FSA and the HSA work is largely the same — you contribute to your account through automatic, pre-tax payroll deductions, then use the money to pay for eligible health care expenses. However, there are some important differences. For example, unlike an FSA, all the unused money in an HSA rolls over year after year and is always yours to keep. And, you can change your HSA contribution amount during the year whenever you want. Compare the accounts here.

5. What happens to my Health Savings Account if I am no longer enrolled in the Consumer plan?

   Money from a Health Savings Account is always yours to keep. Any remaining balances carry over year after year, and you can even take it with you if you leave Mosaic. If you are no longer enrolled in the Consumer Plan, the money will remain in your HSA but you will no longer be able to contribute to it.

6. Can I have a Health Care FSA if I’m enrolled in the Core or Traditional medical plan?

   Yes, you can have a Health Care FSA if you're enrolled in either medical plan, are not eligible for an HSA, or do not elect medical coverage.

7. Can I enroll in the Supplemental Hospital Insurance plan if I am not enrolled in the Mosaic sponsored medical plans?

   You do not need to be enrolled in a Mosaic medical plan to enroll in Supplemental Hospital Insurance.

8. I have questions about my medical benefits. Whom do I contact?

   Call 1-833-MOSAIC1 if you have questions about your medical plan options and want help making the right choices for your needs and budget. You can also visit alex.

9. How do I get my wellness incentive?

   Employees and spouses/domestic partners who are enrolled in a Mosaic health plan have an opportunity to earn up to $800 in Rewards Cash – by completing wellness incentive activities. There are many activities to choose from, including tracking your exercise and completing a preventive visit with your doctor. If you haven’t registered, go to join.personifyhealth.com to get started.

10. Where do I go for my personal health screening?

    You have four options for completing your personal health screening.

    • Option 1: Download a Personal Health Screening form and complete the health screening at your doctor's office or at a convenience care clinic. Log on to Personify Health at app.personifyhealth.com, click on "Benefits" in the navigation bar, select "View All", scroll down to the Physician Screening Form, then select the "Start Now" button. Screenings must be completed and processed by Personify Health by December 19, 2025.
    • Option 2: Visit a LabCorp lab.
      Visit https://www.wellconnectplus.com/?company=1NCM40 to schedule an appointment (enter your login and password or create an account). Your screening results will be automatically submitted to Personify Health. Screenings must be completed by Personify Health by December 19, 2025.
    • Option 3: Complete the personal health screening without leaving your home by using an at home kit.
      Visit https://www.wellconnectplus.com/?company=1NCM40 for more information and to request your kit (enter your login and password or create an account). Completed home kits must be returned to LabCorp no later than December 19, 2025.
    • Option 4: If you live in Florida or Louisiana, visit one of Mosaic's in-person Benefits Fairs to ask questions directly to our benefit suppliers and complete your Personal Health Screening.

• Coinsurance – after you meet your deductible, the plan pays a percentage of the remaining covered-expenses. This amount is “coinsurance.”
• Copayment – flat dollar amounts that you pay for doctor’s office visits and for generic or brand name prescription drug purchases. Copays do not count toward deductibles.
• Deductible – the amount you must pay before the plan’s coinsurance benefits begin.
• Dependent Care Flexible Spending Account (DCFSA) – a tax- advantaged spending account that can help you pay dependent care expenses on a pre-tax basis.
• Evidence of Insurability (EOI) – life insurance over a certain amount may require evidence of insurability (EOI), or proof of good health, which involves answering questions about your health.
• Guarantee Issue – guarantee issue means that you are not required to answer health questions or undergo a medical exam to qualify for life insurance coverage up to a certain dollar amount. Click here for more information.
• Health Care Flexible Spending Account (HCFSA) – a tax- advantaged spending account used for qualified out-of-pocket medical, dental, and vision expenses that you contribute to on a pre-tax basis.
• Health Savings Account (HSA) – a savings account that allows you to set aside pre-tax dollars deducted from your paycheck to pay for qualified non-reimbursed healthcare expenses, e.g., copays, deductibles, and coinsurance.
• In-Network – health care facilities or providers who are members of your health plan network.
• Inpatient – a service is considered inpatient when received by a patient who is admitted to a hospital and stays for treatment.
• Out-of-Network – any doctors, hospitals or other health care providers considered non-participants by your plan’s network. Depending on your plan’s guideline, services provided by out-of-network providers may not be covered, or only covered in part.
• Out-of-Pocket Maximum – the maximum amount you may have to pay in a calendar year. Plans may have an Individual and/or Family Out-of-Pocket Maximum amount.
• Outpatient – a service is considered outpatient when received by a patient at a hospital, but is not admitted for care.
• Point of Service (POS) – a type of medical plan in which members receive lower medical costs in exchange for a more limited choice of network providers, but members also may seek out-of- network care.
• Premiums – a fixed amount that you automatically contribute from each paycheck for coverage under a plan. Premiums can vary widely by the type of plan you choose. To see your premiums, go to My HR Portal.
• Preventive care – services that are covered at 100% and are not subject to the deductible when you use in-network providers. This includes, but is not limited to:
  • Adult well visits/physicians
  • Immunizations
  • Mammograms
  • Oral contraception
  • Well-child visits
• Routine Care – care from your Primary Care Physician, or PCP, such as treatment for a sore throat, colds, flu, back pain or tension headaches.

Watch this short video for more information about the benefits that Mosaic offers you!