Employee Benefits Guide 2026

Stitch PEO is pleased to present this benefits guide exclusively for Dermatology Specialists of Illinois employees and their families. Coverage is effective December 1, 2026. This package helps you prepare for planned and unplanned life events — including medical, dental, vision, basic and voluntary life with AD&D, short- and long-term disability, accident, critical illness, hospital indemnity, telehealth, and an FSA.

Be sure to also avail of certain exclusive free benefits including Prescription Discounts and Employee Perks & Rewards.

Contact Benefits Team

benefits@stitchpeo.com

What's Inside

1. Eligibility for Benefits

2. Enrollment Windows & Life Events

3. Telehealth Medicine — Doctegrity

4. BCBS of Illinois Medical Plans

5. MetLife Dental Coverage

6. MetLife Vision Coverage

7. Short-Term & Long-Term Disability

8. MetLife Accident Insurance

9. Critical Illness Insurance

10. MetLife Hospital Indemnity

11. Voluntary & Basic Life Insurance

12. MetLife Pet Insurance

13. MetLife Legal Plan

14. Identity Protection with Life360

15. Farmers Home & Auto Insurance

16. Member Deals & Exclusive Discounts

17. CompareMedsRx — Prescriptions

18. Know Your Benefits

19. Medical Contributions

20. Dental, Vision & Voluntary Contributions

21. Enrollment Checklist

22. Questions & Contact

Are You Eligible for Benefits?

Benefits are available to Full-Time employees. Part-Time employees are not eligible. Coverage is effective December 1, 2026. For new hires, coverage begins on the First of the Month following 60 days.

Basic Life + AD&D ($25K), provided through Guardian, is employer-paid for eligible employees; all other voluntary benefits are 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 60 days. 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 31 days from the date of a life event to submit an enrollment change request and documentation to benefits@stitchpeo.com. Otherwise, wait until the next annual open enrollment.

Carrier contacts: MetLife 1-800-GET-MET8 (dental, vision, voluntary benefits) · Basic Life is provided through Guardian — questions to benefits@stitchpeo.com

Loss of Coverage

Got Married

Had a Baby

Turned 26

Moved to a New State

Telehealth Medicine — Doctegrity

Doctegrity connects you with Board-Certified doctors and licensed Mental Health Therapists providing consultations over the phone or through video chat — 24/7/365, nationwide. No insurance needed. Available to all employees and their whole families with no co-pays or surprise bills.

eHealthcare

Speak to a Board-Certified Physician via video or phone and get a prescription if needed

Pharmacy Discount

Save up to 80% on prescriptions — even pet medication! Up to 80% off lab tests, no doctor order needed

Mental Health Therapy

Talk or text a licensed therapist 24/7/365. True short-term therapy with 100% follow-ups with the same therapist

Beyond Healthcare

Financial consultations, attorney consultations, medical bill help, and medical diagnosis support

Cost: Available to Full-Time employees at $20 per employee per month (PEPM). Employee and dependent contribution details to be confirmed.

Call: 877.342.5152 | Email: Hello@doctegrity.com | Web: www.Doctegrity.com

Medical Benefits

BlueCross BlueShield of Illinois Medical Plans

Compare the three plans side by side. Click a plan name in the table header to open its full Summary of Benefits and Coverage (SBC).

PPO coinsurance applies after the deductible (office-visit copays, urgent care and prescriptions are not subject to the deductible). Mail-order and non-preferred-pharmacy Rx costs differ — see each SBC. Source: BCBSIL 2026 SBCs; plan documents govern coverage.

Dental Benefits

MetLife Dental PPO Coverage

Dermatology Specialists of Illinois is pleased to offer the MetLife Dental PPO plan, effective December 1, 2026. 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.

Preventive Services — 100%

Oral exams (once/6 months), cleanings, x-rays, fluoride treatment, space maintainers, sealants

Basic Services — 80%

Fillings, periodontal services, scaling & root planing, simple extractions, root canals, general anesthesia

Major Services — 50%

Bridges & dentures, single crowns, complex extractions, implants, inlays & veneers

Orthodontia

$1,000 lifetime maximum | Annual maximum: $1,000 | Lifetime deductible: $100 individual / 3x family

Contribution: The employer pays 50% of the employee premium. For dependents, the employer pays 50% of the added dependent cost.

Out-of-network reimbursed at UCR 90th percentile. Dependent age limit: 19 (end of month).

Vision Benefits

MetLife Vision Coverage

Vision insurance helps protect the health of your eyes by providing benefits often not covered by medical insurance. Coverage renews every 12 months for exams, lenses, and contacts — and every 24 months for frames.

Disability Benefits

Short-Term & Long-Term Disability

If you rely on your income to pay everyday expenses, disability insurance is essential. Accidents and illness happen unexpectedly — 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. Dermatology Specialists of Illinois offers these voluntary, employee-paid plans through MetLife, effective December 1, 2026.

Short-Term Disability — MetLife

  • Voluntary — 100% employee paid (employee and dependents)
  • Coverage: Up to 60% of salary, max $1,500/week
  • Maximum benefit period: 13 weeks
  • Benefits begin: Day 8 of disability
  • Premium waived while receiving benefits

Long-Term Disability — MetLife

  • Voluntary — 100% employee paid (employee and dependents)
  • Coverage: 60% of salary, max $8,000/month
  • Maximum benefit period: Social Security Retirement Age
  • Benefits begin: Day 90 or end of STD maximum benefit period
  • Pre-existing condition limitation: 3/12
Accident Insurance

MetLife Accident Insurance

Dermatology Specialists of Illinois offers voluntary accident insurance, 100% employee-paid and available for employees and dependents. Accident insurance pays cash benefits directly to you, regardless of other coverage you have. Coverage is effective December 1, 2026.

Two Plans Available

Choose the Low Plan or the High Plan. Pays quickly when you report your first covered claim. Coverage is available for employees and dependents. Rates are determined at enrollment in the Stitch portal.

Sports Package

Benefits increase 25% for injuries resulting from participating in organized sports. Some exclusions apply.

Benefit Features

Guaranteed issue, no health questions. No pre-existing condition exclusions. Portable — keep coverage if you change employers.

Critical Illness

Critical Illness Insurance — Protection When You Need It Most

Heart attacks, cancer, and strokes happen every day — often unexpectedly. Your health insurance may cover some costs, but not everything. Critical illness insurance closes the financial gap and helps you manage expenses when it matters most.

40s

Heart Attack Frequency

Someone has a heart attack every 40 seconds in the U.S.

$10K+

Cancer Out-of-Pocket

Annual out-of-pocket costs for 60% of cancer patients exceed $10,000

60%

Americans Unprepared

60% of Americans can't cover an unexpected $1,000 expense

Hospital Indemnity

MetLife Hospital Indemnity Benefits

Dermatology Specialists of Illinois offers MetLife Hospital Indemnity coverage through a Low Plan and a High Plan. Hospital Cash pays benefits directly to you, regardless of other coverage. If your medical plan has a high deductible, this cash can help cover costs — especially with the average hospital stay lasting 4.6 days and costing $13,000.

This voluntary plan is 100% employee-paid and available to employees and their dependents. Coverage is effective December 1, 2026. For benefit amounts and plan details, please refer to the plan summary or the Stitch portal.

Guaranteed Issue

Active employees age 18+, spouses/partners age 18+, and children through age 26 are eligible. No medical history required.

Renewable & Portable

Coverage renews automatically while you're an eligible employee. Keep your coverage even if you change jobs or retire.

No Pre-Existing Exclusions

There are no pre-existing condition exclusions — coverage applies from day one.

Life Insurance

Voluntary & Basic Life Insurance

Basic Life — Guardian

Guardian Basic Life benefit is managed by Dermatology Specialists of Illinois team. Employer pays 100% of the premium (not applicable to dependents). Protects your family from financial vulnerability in the event of a premature death.

Voluntary Life — MetLife Supplemental Life

  • Voluntary and 100% employee-paid
  • Available to employee and dependents
  • Premiums determined at enrollment
  • Coverage effective December 1, 2026
  • Portable — take coverage with you if you leave employment (restrictions apply)

Most families need 6–10 times their income in coverage to maintain their current lifestyle. Life insurance can cover mortgage payments, legal or medical fees, childcare, tuition, and outstanding debts.

Pet Insurance

MetLife Pet Insurance

Pets are family, and vet bills can be emotionally and financially stressful. MetLife Pet Insurance offers award-winning coverage with more flexibility than other carriers.

More Coverage & Value

Covers previously covered pre-existing conditions when switching providers. Family plan covers up to 3 pets under one annual limit — savings up to 30%.

Choice & Flexibility

Wider range of deductible and reimbursement options. Optional Preventive Care Coverage for vaccines, heartworm, flea medications, and teeth cleanings.

Simplified Service

Easy-to-use mobile app to submit and track claims. Most claims processed within 5 days. Knowledgeable pet advocates available to assist.

20

Years of Experience

75

Relationship NPS Score

80%

Claims Processed in 5 Days

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.

$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.

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.

$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).

Platinum HMO 107

Blue Precision Platinum HMO 107 — the lowest-cost plan and the basis for the employer contribution.

Gold PPO 116

Blue Choice Preferred Gold PPO 116 — employee pays the difference above the employer contribution.

Gold PPO 107

Gold PPO 107 — employee pays the difference above the employer contribution.


Tier key: EE = Employee Only | ES = Employee + Spouse | EC = Employee + Child(ren) | FAM = Family

Contributions

Dental, Vision & Voluntary Contributions

Your Benefits Enrollment Checklist

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 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

Basic Life (Guardian): contact the Benefits Team

Telehealth — Doctegrity

877.342.5152
Hello@doctegrity.com
www.Doctegrity.com

MetLife (Dental, Vision & 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 Dermatology Specialists of Illinois benefits package, administered by Stitch PEO.