2026 Benefits Showcase
Welcome
Benefits are more valuable than ever and are a significant part of your total compensation package. The resources and videos here are designed to provide you with the information you need to identify which offerings are the best for you and your family.
Open Enrollment
We know how important benefits are for you and your family. That is why Upbound is committed to offering excellent, well-rounded options that protect your physical, mental, and financial health. Our programs are designed to provide you peace of mind and protect you and your loved ones.
Choosing your benefits takes careful thought and planning. Use this benefits showcase to learn about the benefits available to you and your family.
Benefit changes made during open enrollment will become effective January 1. As a new hire, you will be able to enroll 60 days after date of hire and must complete enrollment by the 90th day of employment. New Hire benefits effective date is on the 91st day of employment.
Open enrollment is from October 6 through October 17, 2025.
This is your opportunity to make changes to your current health plan elections for the upcoming plan year. During open enrollment, you may:
Enroll for your benefits
Add or remove dependents
Enroll in spending accounts
This site will be available to you on demand all year. Take some time to review this information and return to this site whenever you or your family members have questions or want to review your benefits. To enroll, log in to MyADP via the Applications Hub at the link below or by using the mobile app.
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
Premium Medical Plan
The BCBS Premium Medical Plan, or PPO, provides flexibility to see any doctor, has copays for office visits, and offers a low annual deductible. Once you meet your deductible, this plan offers coinsurance at percentage of your medical costs. That means you’ll pay only a designated copay for most services. However, the premium is the highest, meaning you’ll pay more out of your paycheck each week for this plan than the Choice Medical Plan.
If you are enrolled in the Premium Medical Plan you can choose to contribute to a tax-advantaged health care flexible spending account (FSA) to help pay for health care expenses not covered by your plan.
Embedded Deductible
The PPO plan (Premium Plan) has an embedded deductible, meaning each individual must meet their individual deductible before coinsurance applies. For those who cover dependents, once the family deductible is met, no further individual deductibles must be met. No individuals may contribute more than the individual amount to the family deductible.
Choice Medical Plan
The BCBS Choice Medical Plan, or HDHP, has the highest deductible of the two plans. With an HDHP, you can expect to pay a lower premium than with the BCBS Premium Medical Plan with the same flexibility to see any doctor. In other words, your weekly payment to have health insurance will be among the lowest. But if you end up needing a lot of care throughout the year, you’ll end up paying more out of pocket than you might with the other plan.
With the Choice Medical Plan, enrollees can contribute to an HSA, which is a tax-advantaged account used to pay for qualified medical expenses, with unused funds rolling over year to year. Many preventive services are covered at no cost before meeting the deductible. The plan offers the flexibility to choose from many in-network doctors or hospitals.
Aggregated Deductions
The HDHP (Choice Plan) has an aggregated deductible, meaning the family deductible amount will include all combined eligible expenses that you and your dependents incur. The family deductible amount may be satisfied by one member or a combination of two or more members covered under your medical plan. The same typically applies for the out-of-pocket maximum. Until the deductible is met, only preventative care is covered.
Regional Plans
If you reside in Hawaii or Puerto Rico, your medical plan options will be tailored to the region you live in. See medical plans and rates based on your home address.
Telehealth
Telehealth — sometimes called telemedicine or Virtual Care — lets your health care provider care for you without an in-person office visit. It is primarily offered online with internet access on your computer, tablet, or smartphone.
Medical plan participants have access to telemedicine services through MDLIVE and can see a doctor whenever and wherever. With MDLIVE, you can talk to a doctor while you’re at work, at home, or on the go, which leaves you more time that’s not spent driving to or waiting to visit an in-office doctor. Virtual Visits allow you to talk with a board-certified physician over the phone or via video chat. These doctors can diagnose and treat your symptoms, including writing a prescription if necessary. These services are available 24 hours a day, 7 days a week, 365 days a year.
Virtual doctors can treat many medical conditions, including:
-
Cold and Flu
-
Allergies
-
Bronchitis
-
Bladder Infection/UTI
-
Respiratory Infection
-
Pink Eye
-
Sore Throat
-
Sinus Problems
-
Behavioral Health
Prescription Plan
If you are enrolled in one of Upbound's medical plans, you automatically have prescription drug coverage through CVS Caremark. You can count on CVS for a wide range of cost-effective medication, thousands of network pharmacies, and options like home delivery for you and your family. Your prescriptions are subject to your medical deductible and may be paid with available HSA dollars.
After your enrollment is complete, you will receive information from CVS about how to register online at caremark.com. Once registered, you will be able to view preferred drug lists, locate retail pharmacies, view claim information, use mail order prescription services, and the Specialty Pharmacy program. Click on the Prescription Plan Benefits button below for more details about the plan.
NOTE: Surcharges may apply to all plans if your spouse is eligible for medical coverage elsewhere but enrolls, a $12 surcharge will be applied per week. Tobacco users will pay a higher premium, a $16 surcharge per week, but could be eligible to remove this surcharge with completion of our tobacco cessation program.
If the coworker signifies tobacco use for themselves or their covered spouse for the Medical Plan or Critical Illness, it will apply to both related benefits. (For example, if the coworker elects a tobacco plan for Critical Illness the company would align the medical plan with the tobacco surcharge.)
What is the Transparency in Coverage Rule and how does it affect Upbound Group coworkers?
The Transparency in Coverage Final Rule required insurers and group health plans to publish machine-readable files starting July 1, 2022. The files contain in-network rates and out-of-network allowed amounts. In response to this rule, Upbound has made these files available to our Upbound Group coworkers. This link leads to the machine-readable files that are made available and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to access and analyze data more easily. Accessible here: ASOMRF | Blue Cross and Blue Shield of Texas
HDHP vs. PPO
What is a HDHP?
What is a PPO?
Embedded vs Aggregate Deductibles
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
Dental Insurance
Maintaining good oral hygiene is paramount to your overall health and wellness. That is why Upbound has partnered with Cigna Dental, one of the largest carriers, to provide our coworkers and their families with excellent dental coverage.
Regular dental care is an important part of caring for your overall health, and keeping your teeth healthy may protect you from major expenses in the future. Use dental coverage through Cigna Dental to help pay for the cost of routine checkups and just about any other type of dental work you might need, such as crowns or root canals.
If you have an HSA, FSA, or LPFSA, you can use these funds to cover eligible dental costs like your deductible or copay.
Vision Insurance
Regular eye examinations can not only determine your need for corrective eyewear, but also may detect general health problems in their earliest stages. It can help identify early signs of diseases that impact your whole body such as high blood pressure, diabetes and high cholesteral.
Whether you have perfect vision or require some type of corrective lenses, preventive eye care is an important part of your overall health. United Healthcare can help you offset the expensive costs of exams, frames, contact lenses, corrective surgery, and more.
If you have an HSA, FSA, or LPFSA, you can use these funds to cover eligible vision-related costs like your deductible, glasses or contact lenses.
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
Health Savings Account
A Health Savings Account (HSA) is a tax-free account that you can use to pay for current and future medical expenses.
If you're enrolled in Upbound's Choice Medical Plan, you're eligible to contribute on a pre-tax basis to an HSA. Upbound provides an annual HSA employer contribution of $250 for coworkers and $500 for coworker and families that will be deposited on a quarterly basis You can use these funds to cover medical, dental and vision expenses.
Money you don't spend rolls over from year to year. So, if you change jobs, switch to another medical plan or even retire, your HSA and the money in it is still yours to keep. You can choose to save it for eligible healthcare expenses tax-free in retirement.
Flexible Saving Account
A Flexible Spending Account (FSA) is a plan that allows you to budget and save up to $3,750 of pre-tax dollars through payroll deductions to pay for qualified expenses (as defined by the IRS) incurred for the plan year. Upbound partners with Health Equity for FSAs.
Dollars invested in an FSA are tax-free and the entire amount is available on the first day of the plan year. However, any money not used by end of the plan year is forfeited. Upbound does allow the IRS maximum rollover amount to be carried forward in the next plan year. To be eligible to roll over your unused FSA, you must elect to contribute to your FSA for the following plan year.
An FSA covers eligible out-of-pocket health care expenses such as medical copays, coinsurance, prescription drugs, dental and vision costs. It's available to you and any eligible dependents including spouse, children and any other person who is a qualified IRS dependent.
If you separate from Upbound, please ensure all claims have been submitted within 90 days of your last day of employment.
Dependent Childcare Benefit
A Dependent Care Flexible Spending Account (DCFSA) is a pre-tax benefit account that allows you to set aside money to pay for eligible dependent care expenses. These expenses can include childcare for dependents under the age of 13, adult daycare, preschool, summer day camp, and before or after school programs*. The purpose of a DCFSA is to help you and your spouse work, look for work, or attend school full-time while still being able to care for your dependents.
For 2026, the limit is $7,500 for single individuals and married couples filing jointly or $3,750 for married couples filing separately.
* Please see benefit guide for additional details and exclusions.
Limited Purpose Flexible Saving Account
The Limited Purpose Flexible Spending Account is only compatible with the Choice Medical Plan.
The Limited Purpose FSA works the exact same way as the healthcare FSA except it can only be used for eligible Dental and Vision expenses. It allows you to set aside pre-tax dollars to pay for eligible Dental and Vision expenses not covered by your dental and vision plans.
You decide how much money you want to place in your Limited Purpose FSA based on your estimated dental and vision expenses for the coming plan year. This amount will be deducted on a pre-tax basis each pay period and contributed to your Limited FSA Account. It is important to note a FSA is use-it or lose-it, so plan carefully when trying to decide if and how much you'd like to contribute.
HSA vs FSA
What is a Dependent Care FSA?
What is a Limited Purpose FSA?
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
Wellness
Do you make your good health a priority every day? Upbound is here to help. All BCBSTX/medical plan enrolled coworkers and spouses are welcome to participate, and the program is completely confidential.
The Upbound Rewards Program is a points-based program. The more you do, the more you earn!
BCBS offers tobacco cessation through its online website. This digital self-management program offers resources, tips, and techniques to help support your goals of becoming tobacco-free. This six-week interactive course focuses on behavioral changes that reinforce healthier habits. The course addresses many factors that contribute to addiction, including physical, psychological, social, and cultural.
Fitness
BCBS offers the Fitness Program for exclusively for coworkers and covered dependents (18 and older), The program gives coworkers access to a nationwide network of fitness locations. It’s easy to sign up. Go to the Collective Health portal to register at bcbstx.collectivehealth.com.
For the full list of programs to promote health and wellbeing (including Livongo, Wondr, and Ovia Health), please visit the Wellness section within your corresponding Benefit Guide below.
Employee Assistance Program (EAP)
Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to a Licensed Professional Counselor* who can help you.
Always by your side:
-
Expert support 24/7
-
Convenient website
-
Short-Term help
-
Referrals for additional care
-
Monthly webinars
-
Medical Bill Saver - helps you save on medical bills
What is an Employee Assistance Program (EAP)?
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
Basic Life Insurance and AD&D
Basic Life Insurance and AD&D is provided to all full-time coworkers, spouses and children at no cost to you. Enrollment in this benefit is automatic.
Coworkers receive 1 time your annual earnings, minimum of $40,000 and up to $1,000,000.
You can purchase additional Life coverage beyond what Upbound provides through Reliance. They guarantee coverage* during your initial enrollment period, which means you can't be turned down for coverage based on medical history.
*Please see your benefit guide for details on the guaranteed coverage amount.
Accident and AD&D Insurance
The Reliance Accident and AD&D Insurance Protection Plan can pay for expenses resulting from a covered accident or accidental death and dismemberment not covered by your medical plan.
This benefit can complement your medical and disability insurance to help you pay for unexpected or common costs such as your medical deductible, coinsurance, emergency room visits, physician office visits and hospital charges. This coverage is available to purchase for yourself and dependents.
Accident insurance is an extra layer of protection and an affordable way to supplement the additional expenses associated with your injuries, treatments and services.
Critical Illness Insurance
While major medical insurance may pay for a good portion of the costs associated with an illness, there are lots of expenses that are just not covered — from deductibles and copays to living expenses. With a critical illness policy, you can rest assured you will be protected from extreme financial burdens in the event of severe illness or injury.
The voluntary critical illness coverage is designed to help offset the financial effects of a catastrophic illness with a lump sum benefit if you are diagnosed with a qualified serious illness.
Critical illness insurance coverage can help pay for expenses such as rent, mortgage or other daily living expenses, as well as health-related expenses not covered by major medical insurance.
Note: If the coworker signifies tobacco use for themselves or their covered spouse for the Medical Plan or Critical Illness, it will apply to both related benefits. (For example, if the coworker elects a tobacco plan for Critical Illness the company would align the medical plan with the tobacco surcharge.)
Short-Term Disability
Short Term Disability insurance offers financial protection in the event you cannot work due to a debilitating injury or illness.
Benefits begin after a short elimination period of 0 days for accident and 7 days for illness, following your disabling injury or illness. The benefit amount is 60% of your before-tax weekly earnings, up to a weekly maximum benefit of $1,500, and is payable for 26 weeks.
Please see your benefits guide for more information.
Long-Term Disability
Long Term Disability insurance offers financial protection by paying a cash benefit if you're disabled for an extended time due to an injury or illness. You can be totally or partially disabled during the elimination period.
You must be injured or ill and unable to return to work for 180 days before this benefit begins paying 60% of your earnings to a maximum of $10,000 per month. Depending on the age of disability, this benefit could pay until you reach your Social Security retirement age.
Please see your benefits guide for more information.
Hospital Indemnity
If you are admitted to a hospital, it doesn’t take long for the out-of-pocket costs to add up. Upbound’s Hospital Indemnity Insurance through Reliance pays benefits directly to you if you are admitted into a hospital for care or childbirth. Benefits are paid even if you have other coverage.
You can use the money any way you choose. Covered hospital expenses include admission, confinement, and Intensive Care Unit (ICU) confinement. You can use your payments for health plan deductibles and other costs such as medications, rehabilitation, or transportation. You may also use them for bills and living expenses or growing your savings account. A hospital indemnity claim can be filed once your hospital stay is complete.
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
401(k)
Upbound's 401(k) Retirement Savings Plan gives you an easy way to save through payroll deductions, which are matched with company contributions. Upbound offers both a Traditional (pre-tax) and Roth (post-tax) 401(k) option administered by Fidelity.
The company matches your contributions dollar for dollar (100%) on the first 3% of your pay that you contribute, plus 50% on the next 2% you contribute.
Both your contributions and the company match are 100% yours. There is no vesting schedule.
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
2026 Benefits Showcase
Coworker Discounts
Coworker Discounts Plus Program
Our Coworker Discounts Plus program offers many of the same discounts and savings our customers get with their paid Benefits Plus membership.
This program allows coworkers to save at places like:
- Local restaurants
- 20% at 1800Flowers.com
- On pet prescriptions
- And more!
Mobile Phone Service Discounts
AT&T Discount: 20% off qualifying AT&T services and 25% off eligible wireless accessories.
How to Sign Up: Go to att.com/wireless/rentacenter, or visit the AT&T store closest to you with proof of eligibility (business card or pay stub)
ID90 Travel Discounts
ID90 Travel gives Upbound coworkers access to book hotels, all-inclusive resorts, rental cars, cruises and more at discounted rates.
Visit www.id90travel.com/create-account and find RENT-A-CENTER in the company drop down menu. Enter your coworker ID, company email address, and create a password.
Education Discounts
Upbound has partnered with two accredited online universities to offer you and your immediate family members savings on degree and certificate programs to help you keep moving forward.
University of Arizona Global Campus 847-407-0959 www.aiuniv.edu/rac
Save 40% on Tuition Colorado Technical University 866-897-1560 www.coloradotech.edu/RAC
15% Tuition Grant for Upbound Coworkers and Family
Mortgage Discount — Rocket Mortgage
We’ve partnered with Rocket Mortgage to provide our coworkers a 1% discount on the loan amount up to a $10,000 savings.
Rocket Mortgage offers a number of different home loan options, including low down payment options, VA loans, cash-out refinances, and the ability to choose your term. You can also take advantage of exclusive VIP benefits.
Visit vip.rocketmortgage.com/upbound or call 877-457-0068 to get started.
ARAG
Legal Insurance offered through ARAG. Save time and money with legal insurance to help you address everyday situations like traffic tickets, resolving warranty issues, completing a will or buying a home. When you need help, don’t waste time looking for the right attorney or spending money on costly fees, which average $323 per hour. With ARAG legal insurance, most covered legal matters are 100% paid-in-full when you work with a network attorney.
See the complete list of what your plan covers at ARAGlegal.com/myinfo. Access Code: 18109rac
If you need additional help, please call ARAG at 800-247-4184.
Pet Insurance
Protect your pet family members — choose coverage for everyday pet health care or just for unexpected veterinary bills. With pet insurance through Spot, you’ll have peace of mind knowing you can get help with some of your pet’s medical bills.
Go to https://spotpet.link/upbound to sign up
Code: EB_UPBOUND
800-905-1595
ID Theft
Identity theft protection is an essential benefit that helps safeguard your personal and financial information from fraud and unauthorized use.
Upbound’s identity theft protection services, through Allstate, offer comprehensive monitoring of your credit reports, financial accounts, and personal information to detect any suspicious activity. In the event of a breach, these services provide immediate alerts, allowing you to take swift action to prevent further damage. Additionally, you receive assistance with resolving any issues that arise, including help with filing reports, managing communications with creditors, and restoring your identity.
This plan is available via payroll deduction and is yours to keep if you retire or leave Upbound. If you have any questions, visit myaip.com or call 800-789-2720
Have benefit questions?
Contact Upbound's Benefits Assistance Center
Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769
