2027 Benefits Showcase

Welcome

Open Enrollment

Open Enrollment for 2027 benefits runs from
November 2 - November 13, 2026.

During this period, you can review your current elections and make changes for the upcoming plan year.

Benefit elections become effective January 1, 2027.

During Open Enrollment, you may:

• Enroll in benefits

• Add or remove dependents

• Update Health Savings Account (HSA) contributions

• Update Flexible Spending Account (FSA) contributions

• Review beneficiary elections

New hires become eligible to enroll beginning 60 days after hire and must complete enrollment by their 90th day of employment.

This is your opportunity to make changes to your current health plan elections for the upcoming plan year. During open enrollment, you may:

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 Workday 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

2027 Benefits Showcase

Visit bcbstx.com or call Customer Care at 888-705-2582 for a list of BCBSTX network providers

Premium 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 (HDHP)

The BCBSTX Choice Medical Plan is a High Deductible Health Plan (HDHP) that offers lower paycheck contributions and the opportunity to save for healthcare expenses through a Health Savings Account (HSA).

With this plan, you pay the full cost of most non-preventive medical and prescription expenses until you meet your deductible. In exchange, you'll typically pay less each week for coverage than under the Premium Medical Plan. Preventive care is covered at no cost when you use in-network providers.

A key advantage of the Choice Plan is access to a Health Savings Account (HSA), which allows you to set aside pre-tax money to pay for eligible healthcare expenses now or in the future. Any unused HSA funds roll over from year to year, and Upbound contributes to your account to help offset healthcare costs.

2027 HSA Contributions from Upbound

• Coworker Only Coverage: $250 annually

• Family Coverage: $500 annually

Aggregated Deductions

The Choice Medical Plan uses an aggregated deductible. This means all eligible medical expenses for covered family members count toward one combined family deductible. Once the family deductible is met, the plan begins sharing the cost of covered services through coinsurance.

This plan may be a good fit for coworkers who:

• Want lower paycheck deductions

• Prefer to save through an HSA

• Generally use preventive care and routine healthcare services

• Want flexibility to build savings for future healthcare expenses

Regional Medical Plans

If you are a coworker who lives in Hawaii or Puerto Rico, your medical plan options may differ from those available in other regions. Medical coverage, provider networks, and plan costs can vary based on where you live.

To learn more about your regional medical benefits, download the benefits guide for your location. Each guide provides additional information about the available medical plans, coverage options, and rates to help you make an informed decision about your benefits.

Telehealth

When you need care and can't make it to a doctor's office, MDLIVE gives you convenient access to board-certified doctors and licensed behavioral health providers from the comfort of your home.

Available 24 hours a day, 7 days a week, MDLIVE can help with:

• Cold and flu symptoms

• Allergies

• Bronchitis

• Bladder infections (UTIs)

• Respiratory infections

• Pink eye

• Sore throat

• Sinus problems

• Behavioral health concerns

Premium Medical Plan

Medical Visits: FREE
Connect with a board-certified doctor anytime at no cost.

Behavioral Health Visits: FREE
NEW for 2027: Virtual behavioral health visits are covered at 100% under the Premium Medical Plan. Connect with licensed therapists and behavioral health providers for support with:

• Anxiety

• Depression

• Stress management

• Grief and loss

• Relationship concerns

• Ongoing counseling and therapy

Choice Medical Plan

Deductible and coinsurance apply.

Once your deductible is met, the plan pays 70% of covered virtual medical and behavioral health services, and you pay the remaining 30%.

Activate Your Account Today

• Call 888-680-8646

• Visit MDLIVE.com/bcbstx

• Text BCBSTX to 635-483

• Download the MDLIVE App

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 Rule requires group health plans and insurers to publicly share pricing information so members can better understand the cost of care. Plans must publish machine‑readable files that show in‑network negotiated rates, historical out‑of‑network allowed amounts, and prescription drug pricing.

Federal agencies updated the rule in 2026 to improve accuracy and make the data easier to use. Health plans must now update these machine‑readable files quarterly and follow new standardized formatting requirements. The files must include additional details such as network identifiers, product type, rate type, and clear descriptions of billing codes. These updates help ensure pricing information is more consistent and easier to compare across providers.

Upbound Group continues to make these required files available to coworkers. The machine‑readable files include negotiated service rates, out‑of‑network allowed amounts, and prescription drug pricing information. Although these files are primarily designed for researchers, regulators, and application developers, they support greater transparency and help improve cost‑estimator tools used by members.

You can access our plan’s Transparency in Coverage files 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

2027 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. UnitedHealthcare 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

2027 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 (FSA)

A Flexible Spending Account (FSA) lets you set aside pre-tax money to help pay for eligible healthcare expenses. Upbound partners with HealthEquity to administer FSAs. Eligible expenses include medical copays, coinsurance, prescription drugs, dental care, and vision services.

With an FSA, your entire annual election is available on the first day of the plan year, giving you immediate access to funds for eligible expenses.

Key Features

• Available with the Premium Medical Plan

• Use pre-tax dollars for eligible healthcare expenses

• Funds are available at the start of the plan year

• Projected annual contribution limit: $3,500 for 2027

• Up to $700 of unused funds may be eligible to roll over to the following plan year if enrollment requirements are met

Important: If you leave Upbound, FSA claims must be submitted within 90 days of your last day of employment for eligible expenses incurred while covered under the plan

Dependent Childcare Benefit

Save on eligible childcare expenses with a Dependent Care Flexible Spending Account (DCFSA). Use pre-tax dollars for expenses such as daycare, preschool, before- and after-school programs, summer day camps, and adult care services.

2027 Highlights

• Contribute up to $7,500 annually

• Use pre-tax payroll deductions

• Available even if you do not enroll in other benefits

• Covers eligible childcare and elder care expenses

See the Benefits Guide for complete details and eligibility requirements.

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.

Online Sign Up not available until after 12/15/2026

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

2027 Benefits Showcase

NEW! Lantern Surgery Benefit

Lantern helps eligible coworkers and covered family members find high-quality surgeons and specialists for planned surgeries and complex medical conditions. Through Lantern, you'll receive personalized guidance, support coordinating care, and access to providers that meet Lantern's quality standards. 

How Lantern Helps

• Find high-quality surgeons and specialists

• Understand your treatment options

• Receive support from a dedicated care team

• Coordinate appointments and next steps

• Access potential savings on eligible procedures

• Travel support may be available when care is not available locally and eligibility requirements are met 

Procedures may include:

• Orthopedic and joint procedures

• Spine care

• Bariatric surgery

• Cardiac procedures

• Ear, Nose & Throat (ENT)

• Gynecological procedures

• Gastrointestinal procedures

• Urology and other specialty surgeries

Contact Lantern
855-360-1129
LanternCare.com/for-members

NEW! MIDI Health

MIDI Health offers specialized virtual care for perimenopause, menopause, and midlife women's health. Eligible coworkers and covered dependents can connect with expert clinicians for personalized treatment plans, symptom management, hormone and non-hormone treatment options, lifestyle coaching, and ongoing support.

Learn More: joinmidi.com/menopausebenefit

Quit For Life Tobacco Cessation Program

Quit For Life is available to eligible coworkers at no additional cost as part of Upbound’s benefits program.

Get Started
Visit Quit For Life or call 1-866-QUIT-4-LIFE (1-866-784-8454).

Coworker Assistance Program

Your Coworker Assistance Program, also known as 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

2027 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

Life can be unpredictable, and accidents can happen when you least expect them. UNUM Accident & AD&D Insurance can help provide financial support when a covered accident results in an injury, accidental death, or other qualifying loss.

This coverage works alongside your medical plan and can help with out-of-pocket expenses such as deductibles, coinsurance, emergency room visits, doctor visits, and hospital stays. Benefits are paid directly to you, giving you flexibility in how you use them.

Coverage is available for you and your eligible dependents, helping provide added peace of mind when the unexpected happens.
Why consider it?

• Helps with expenses after a covered accident

• Complements your medical coverage

• Benefits are paid directly to you

• Coverage is available for eligible family members

Critical Illness Insurance

A serious illness can impact more than your health. Even with medical coverage, expenses such as deductibles, copays, transportation, childcare, and everyday bills can add up quickly.

Critical Illness Insurance provides a lump-sum cash benefit if you're diagnosed with a covered critical illness. You can use the benefit however you need, including:

• Medical deductibles and out-of-pocket costs

• Mortgage, rent, or utility payments

• Household and daily living expenses

• Travel or lodging related to treatment

• Income replacement during recovery

This voluntary coverage helps provide financial protection and peace of mind when you need it most.

Tobacco Use Disclosure
If you indicate tobacco use for yourself or your covered spouse when enrolling in either the Medical Plan or Critical Illness coverage, the tobacco status will apply to both benefits. For example, electing tobacco-rated Critical Illness coverage will result in the corresponding medical plan tobacco surcharge being applied.

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

A hospital stay can result in significant out-of-pocket expenses, even when you have medical coverage. Upbound’s Hospital Indemnity Insurance through Unum provides cash benefits paid directly to you when you're admitted to a hospital for a covered stay, including childbirth. Benefits are paid regardless of any other insurance coverage you may have.

Use the benefit however you need it most. Covered services may include hospital admission, confinement, and Intensive Care Unit (ICU) stays. The payments can help cover health plan deductibles, copays, transportation, rehabilitation, medications, household bills, or other everyday expenses while you focus on recovery. You can even use the funds to supplement your savings.

Once your covered hospital stay is complete, you can submit a claim and receive benefits directly from Unum.

Portability & Conversion Process

If you leave Upbound or are no longer eligible for group coverage, you may have the option to continue your Accident, Hospital, and Critical Illness insurance through Unum’s portability feature. This allows you to keep coverage for yourself, your spouse, and your children—subject to certain conditions.

Accident Insurance: Continue coverage at the same group rates. You can keep or reduce coverage for dependents.

Hospital Insurance: Continue your current plan; different rates may apply. Coverage can be reduced but not increased.

Critical Illness Insurance: Continue coverage at group rates. Premiums adjust by age bands every 5 years. You may reduce coverage but cannot increase it.

Important Notes:

• Portability is not available if the employer’s policy is canceled.

• Coverage ends if premiums are not paid, you return to an eligible group, or upon death.

• Beneficiary designation and automatic payment setup are required.

• Election forms must be completed and submitted to Unum within the specified timeframe.

Application for Conversion of Group Life Insurance to an Individual Life Insurance Policy

This form allows an employee (or their spouse/child) to convert group life insurance coverage into an individual life insurance policy after termination or reduction of group coverage.

Contact Unum at 800-635-5597 for more information.

How to File a Supplemental Health Claim on Unum Total Leave

Coworkers, filing a claim for your Accident, Critical Illness, or Hospital Insurance benefits is quick and easy through the Unum Total Leave portal.

Here’s how to get started:

1. Log in at https://portal.unum.com

2. Click “Start a leave or claim”

3. Select “Supplemental benefits”

   If you already have a leave or disability claim, you’ll see prompts in the Next Steps section

4. Choose the benefit type you want to claim

5. Answer the on-screen questions. A progress tracker will guide you

6. Submit your claim and review the confirmation message for next steps

Tip: The process is fully online—no complicated paperwork required.

Have benefit questions?

Contact Upbound's Benefits Assistance Center

Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769

2027 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.

Financial Wellness Coaching

Need help planning for retirement or achieving your financial goals? Connect with Upbound's dedicated Financial Wellness Coach, Dan Berve of Balefire Wealth, for personalized guidance and resources.

Schedule an Appointment: 
Phone: 720-773-9166
Email: dberve@balefirewealth.com

Have benefit questions?

Contact Upbound's Benefits Assistance Center

Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769

2027 Benefits Showcase

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.

Legal Insurance

Life happens, and legal issues can arise when you least expect them. ARAG Legal Insurance gives you access to a nationwide network of experienced attorneys and legal resources to help with a wide range of personal legal matters, often with attorney fees fully covered for eligible services.

Whether you're creating a will, buying a home, reviewing contracts, dealing with traffic tickets, addressing family matters, or seeking legal advice, ARAG can help you navigate life's legal challenges with confidence.

Why Enroll?

• Attorney fees paid in full for many covered legal matters

• Access to experienced network attorneys

• Legal document review and preparation

• DIY legal forms and resources

• Support for everyday legal needs and major life events

Learn More
Visit ARAGlegal.com/myinfo
Access Code: 18109rac
Phone: 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

Additional Benefits & Perks

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

Rocket Mortgage

Whether you're buying a home, refinancing, or exploring home equity options, Rocket Mortgage offers Upbound coworkers exclusive savings and personalized support throughout the process.

Program Highlights

• Save up to $10,000 on eligible home loans through an exclusive lender credit program

• Fast online preapproval process

• No credit impact during preapproval

• Low down payment options available

• Home equity loan options for eligible homeowners

• Access to dedicated Home Loan Experts for personalized guidance

Get Started Website: VIP.RocketMortgage.com/home
Phone: 877-457-0068

Have benefit questions?

Contact Upbound's Benefits Assistance Center

Email: UpboundBenefits@bac.lockton.com
Phone: 866-331-2769