Employee Benefits Guide 2026

Stitch PEO is pleased to present this benefits guide exclusively for Springhill Medical Group employees and their families. Coverage is effective December 1, 2026. This package helps you prepare for planned and unplanned life events — including medical (Kaiser Permanente and Anthem Blue Cross), dental (Delta Dental), vision, basic life, short-term disability, legal plan, identity protection, Farmers auto & home, and HSA/FSA accounts.


Contact Benefits Team

benefits@stitchpeo.com

What's Inside

1. Eligibility for Benefits

2. Enrollment Windows & Life Events

3. Kaiser Permanente & Anthem Blue Cross Medical Plans

4. Delta Dental Coverage

5. DeltaCare Vision (VSP) Coverage

6. MetLife Basic Life

7. Short-Term Disability

8. MetLife Long-Term Disability

9. HSA & FSA Accounts

10. MetLife Legal Plan

11. Identity Protection with Aura & Life360

12. Farmers Home & Auto Insurance

13. Member Deals & Exclusive Discounts

14. CompareMedsRx — Prescriptions

15. Medical Contributions

16. Dental, Vision & Other Contributions

17. Enrollment Checklist

18. Questions & Contact

Are You Eligible for Benefits?

Full-Time employees (working 30+ hours per week) are eligible; Part-Time employees are not eligible. Coverage is effective December 1, 2026. For new hires, coverage begins on the First of the Month following 30 days after date of hire.

Basic Life ($25,000), provided through MetLife, is employer-paid for eligible employees. The employer also contributes $550 per month toward each enrolled employee's medical premium. Dental, vision, disability, Legal Plan, Identity Protection, Farmers auto & home and other benefits are voluntary and employee-paid.

Legal Spouse

Your IRS-recognized legal spouse

Children (to Age 26)

Natural, legally adopted, or disabled dependent children

QMCSO Dependents

Children covered under a Qualified Medical Child Support Order

Please email benefits@stitchpeo.com for additional eligibility information. Certain limitations apply.

When Can I Enroll or Make Changes?

Enrollment Windows

Eligible employees enroll online through the Stitch benefits enrollment portal. Initial coverage is effective December 1, 2026.

New hires can enroll during their New Hire enrollment period; coverage begins the first of the month following 30 days after date of hire. Employees can also make elections during Open Enrollment. You may change plans or add/drop coverage. Changes made during open enrollment remain in effect until the following open enrollment period.

Qualifying Life Events

You have 30 days from the date of a life event to submit an enrollment change request along with documentation to benefits@stitchpeo.com. Otherwise, changes can be mad during the next Open Enrollment.

Carrier contacts: MetLife 1-800-GET-MET8 (Vision, Basic Life, Disability, Legal Plan and other voluntary benefits) · Medical and dental questions — contact benefits@stitchpeo.com

Loss of Coverage

Got Married

Had a Baby

Turned 26

Moved to a New State

Medical Benefits

Kaiser Permanente & Anthem Blue Cross Medical Plans

Four medical plans are offered through Kaiser Permanente and Anthem Blue Cross. Full plan summaries (SBCs) are available through the Stitch benefits enrollment portal.

Plan documents govern coverage. Exact premiums for you and your family appear in the Stitch benefits enrollment portal.

Dental Benefits

Delta Dental Coverage

Springhill Medical Group offers two Delta Dental plans: Delta Dental PPO and DeltaCare USA DHMO. Everyone should have access to great dental coverage. Poor oral health has been linked to diabetes, heart disease, and strokes, making regular dental visits essential, not optional.

Delta Dental PPO

Choose a plan that offers both in-network and out-of-network dentist options.

DeltaCare USA DHMO

Choose a lower-cost plan that uses a network of contracted dentists for your care.

Regular Preventive Care

Routine checkups and cleanings help catch problems early and keep your whole body healthy.

Contribution: Dental coverage is voluntary and 100% employee-paid.

Monthly Rates

Rates are per month. Plan documents govern coverage; see the plan summary for benefit details. Eligible employees: all active, full-time employees.

Vision Benefits

DeltaCare Vision (VSP) Coverage

Vision insurance helps protect the health of your eyes by providing benefits often not covered by medical insurance. DeltaCare Vision is offered through the VSP network and carried by MetLife. Vision coverage is voluntary and 100% employee-paid:

Eye Exams

Routine eye exams are an important part of preventive care, helping detect vision changes and eye conditions early.

Lenses & Frames

Coverage for eyeglass lenses and frames is available through the VSP network. Review your plan documents for specific details.

Contact Lenses

Contact lens options, including medically necessary contacts, may be covered. Check your plan details for eligibility and terms.

Plan documents govern coverage. See the DeltaCare Vision VSP plan summary for copays and allowances.

Life Insurance

Basic Life Insurance

MetLife Basic Life coverage of $25,000 is paid 100% by the employer for eligible employees. This coverage is not applicable to dependents.

Basic Life — MetLife

  • $25,000 benefit amount
  • Employer-paid at 100% for eligible employees
  • Provides financial protection for your family in the event of a premature death
  • Not applicable to dependents

Be sure to keep your beneficiary designations up to date so that benefits are paid to the people you intend.

Disability Benefits

Short-Term Disability

If you rely on your income to pay everyday expenses, disability insurance is essential. Accidents and illness happen unexpectedly — short-term disability coverage ensures you receive partial income if you're too sick or injured to work. Many disabilities are caused by common conditions like heart disease and arthritis, and are not covered by workers' compensation. Springhill Medical Group offers this voluntary, employee-paid plan through MetLife, effective December 1, 2026.

60%

of salary, up to a maximum of $1,500/week

13

weeks maximum benefit period

Day 8

benefits begin on day 8 of disability

100%

employee paid (voluntary) — employee and dependents

Premium is waived while receiving benefits.

Savings Accounts

HSA & FSA Accounts

Stitch PEO offers both a Health Savings Account (HSA) and a Health Flexible Spending Account (FSA) so you can set aside pre-tax dollars for eligible expenses. There is no employer contribution to either account.

Health Savings Account (HSA)

  • Available with the HSA-eligible Anthem Silver PPO HSA 2300/30% plan
  • Contributions are made pre-tax
  • No employer contribution

Health Flexible Spending Account (FSA)

  • Set aside pre-tax dollars for eligible health care expenses, such as copays, deductibles, prescriptions and more
  • Employee pre-tax contributions through payroll deduction
  • No employer contribution

Questions about eligibility and contribution limits? Contact benefits@stitchpeo.com.

Legal Plan

MetLife Legal Plan — An Attorney in Your Corner

Unlike other benefits, the more you use a legal plan, the more you benefit. Get help with life's planned and unplanned events — from wills and home purchases to identity theft and debt — with no copays, deductibles or claim forms when you use a network attorney for a covered matter.

*Effective as of 1/1/2027

$20

per month

Covers you, your spouse and dependents

18,000+

Network attorneys nationwide

15 min

To create a will online

1,700+

Self-help legal documents

Family Life

  • Wills, trusts, adoption, guardianship, prenuptial agreements

Home & Assets

  • Buying or selling a home, refinancing, foreclosure, tenant matters

Money Matters

  • Debt collection defense, identity theft defense, bankruptcy, tax audit help

Protection

  • Traffic tickets, small claims, civil lawsuits, document review
  • Unlimited consultations on legal matters — covered or not
  • Trials covered from start to finish with a network attorney
  • Choose a network attorney or use your own (reimbursed per fee schedule)
  • 4 extra hours of attorney time per year on non-covered matters

Questions? MetLife Legal Plans Client Service Center: 800-821-6400 · clientinquiry@legalplans.com. Exclusions apply, including employment-related matters; some services not available in all states.

Identity Protection

Identity Protection with Aura — Plus Life360 for Your Family

Family safety for the online world and the real world. MetLife + Aura Identity & Fraud Protection keeps you and your family protected online — and families can add Life360 to stay connected offline.

*Effective as of 1/1/2027

Individual

$6.95

per month

Aura identity, credit & fraud protection

Family + Life360

$14.95

per month

Aura protection + Life360 family safety

Aura — Online Protection

  • Identity, credit & financial protection
  • Scam & cybercrime prevention
  • Reduce spam calls & texts
  • Child & family digital safety tools

Life360 — Real-World Safety

  • Location sharing
  • Crash detection & 24/7 emergency dispatch
  • Driver reports
  • Roadside assistance
4.7

Aura on the Apple App Store

4.8

Life360 on the Apple App Store

Life360 memberships through this benefit are premium memberships: no ads, and your data is not sold or used for advertising.

Aura is a product of Aura Sub, LLC. Life360 is a product of Life360, Inc., distributed by Aura. Neither is affiliated with MetLife; their services are separate and apart from any MetLife product.

Home & Auto Insurance

Farmers Home & Auto Insurance — Save Where It Matters

Farmers GroupSelect® offers voluntary auto and home coverage with employee-only discounts and easy payroll deduction

*Discounts are effective as of 1/1/2027.

$1,093

Average savings reported by customers who switched to Farmers GroupSelect*

30%

Employee discount: up to 30% on auto, up to 21% on home

24%

Employment-tenure discount: up to 24% on auto

Easy Payroll Deduction

  • No down payment; premiums deducted automatically from your paycheck; extra discount up to 10% auto / 5% home

Policies for Every Need

  • Auto, Home, Renter's, Condo, Bundled packages, RV, Boat, Landlord's Rental Dwelling, Personal Excess Liability, Flood and more

Coverage You Can Count On

  • Replacement cost for total loss on a new car, home replacement cost coverage, replacement cost for special parts, and $50 per year claim-free driving reward

Extras at No Added Cost

  • Roadside assistance, identity theft protection services, guaranteed repair networks and 24/7 access to claim professionals

More ways to save: automatic payment and multi-policy discounts. Get a quote through a local agent, call center, online or the mobile app — year-round.

*Based on average nationwide annual savings of new Farmers GroupSelect customers surveyed 1/1/24–8/31/25 who switched home and auto policies and realized savings. Coverage, discounts and features vary by state and policy; not available in all states. Home insurance is not part of the Farmers GroupSelect offering in FL or CA. The policy prevails in the event of a conflict.

Perks & Programs

Member Deals — Exclusive Discounts

As a Stitch PEO member, you have access to MemberDeals — exclusive discounts, special offers, and preferred seating for top attractions, theme parks, sporting events, movies, hotels, and much more.

Travel

Hotels, rental cars, flights, and vacation packages

Theme Parks

Walt Disney World, Universal Orlando, Knott's Berry Farm, Legoland, and more

Sports & Events

NBA, NHL, NFL, college football, concerts, and major events with preferred access

More Savings

Ski resorts, movie tickets, shopping deals, shows, and CityPASS bundles

Need help booking? Call (877) 579-1201

Perks & Programs

CompareMedsRx — Prescriptions at Better Prices

All Stitch PEO clients have full access to CompareMedsRx, a comprehensive online platform designed to help you easily compare prescription medication prices across different pharmacies — empowering you to make informed decisions and find the most cost-effective options for your healthcare needs.

Compare Prices Instantly

Search and compare medication costs across pharmacies in your area to find the best deal available to you.

Maximize Your Savings

Identify the most cost-effective options for your prescriptions and reduce your out-of-pocket healthcare spending.

Included for All Clients

This invaluable resource is available to all Stitch PEO clients at no additional cost as part of your benefits package.

Contributions

Medical Contributions

Medical premiums are age-banded. Specific rates for you and your family will be visible in the Stitch benefits enrollment portal once you add dependents (if any).

Employee

Employer contributes $550 per month toward your premium on any of the four medical plans.

Your Share

You pay the balance of the premium for the plan you choose, through payroll deduction.

Dependents

No added employer contribution. The employee pays the full added cost of covering a spouse or children.

Contributions

Dental, Vision & Other Contributions

Rates listed are monthly.

Your Benefits Enrollment Checklist

✓ Check Eligibility

✓ Compare Plans

✓ Pick Extras

✓ Submit Enrollment

Complete your enrollment on time in the Stitch benefits enrollment portal — coverage is effective December 1, 2026, and new hires are covered the first of the month following 30 days after date of hire. For questions, contact benefits@stitchpeo.com.

Questions? We're Here to Help.

This plan overview is a brief description of available benefits. Please refer to the full plan documents or contact your Benefits Administrator for complete descriptions and information.

Benefits Questions

benefits@stitchpeo.com

Medical, Dental & Basic Life: contact the Benefits Team

MetLife (Disability, Legal Plan & Voluntary Benefits)

1-800-GET-MET8
(1-800-438-6388)

Member Deals Booking

(877) 579-1201

Benefits are a big part of your total compensation. Make the elections that fit your personal and family needs — and get the maximum value from your Springhill Medical Group benefits package, administered by Stitch PEO.