2026 Medical

Before you choose the Green Plan or Blue Plan, you may want to think about the following:

• How much did you spend on health care last year? (premiums, annual deductible, out-of-pocket expenses, etc.)
• How well did your health care budget and actual costs match?
• Who do you need to cover during the year?
• Is your doctor(s) in network?
• Do you take any long-term medications and/or specialty drugs?
• Do you anticipate needing any future medical care? (recent health diagnosis, chronic condition management, pregnancy, etc.)

Use these tips to make the best choice for your needs:

• Call Quantum Health for personalized 1-on-1 help understanding your options.
• Review the 2026 Lennox medical plan documents.
• Budget your 2026 per paycheck premiums.
• Avoid surcharges and save on medical costs by taking these actions each year:
  • Certify Working Spouse Status
  • Confirm Tobacco Use Status
  • Complete a free annual health screening through LIIveWell.

Adding a new dependent?

You MUST upload dependent verification documents (marriage certificate, birth certificate, adoption papers) in BenefitSource within 60 days of enrolling a new dependent in Lennox health coverage. Call (800) 284-4549 to check the status as dependent coverage will not be effective until eligibility is approved.

Save pre-tax money for eligible health care expenses.

Consider using a Flexible Spending Account (FSA) to set aside pre-tax money to help pay for qualifying out-of-pocket medical, vision, dental, and/or dependent care expenses. Medical plan enrollment not required.

• Health Care FSA (rollover eligible)
• Dependent Care FSA (use-it-or-lose-it)

You can elect one or both FSAs during Open Enrollment in BenefitSource. If already participating and want to keep your current account active, you must re-elect the FSA for 2026. Funds will be available January 1.

NOTE: All 2026 FSA participants will receive a NEW debit card from Navia Benefits in the mail. If you have a current active FSA, your TaxSaver Plan debit card will no longer be active as of midnight on 12/31/25.

Avoid unexpected medical bills by understanding how the Green Plan and Blue Plan work.

1. Meet Your
   Annual DeductibleThe amount you must pay before the plan begins to pay.
   
   In order for your Lennox medical plan to start paying, you must meet the annual deductible (costs for most in-network and out-of-network services and prescription drugs). Remember, in-network preventive care is always covered at 100% and is not subject to the deductible.
   
   

   Annual Deductible	Green Plan		Blue Plan
   	In-Network	Out-of-Network	In-Network	Out-of-Network
   Individual	$1,500	$3,000	$850	$1,700
   Family	$4,500	$9,000	$2,550	$5,100

   
   
2. Share the Cost
   Once you meet the annual deductible, you and the plan share the cost of medical care, called
   coinsuranceCoinsurance is an insured individual’s share of the costs of a covered expense.
   . Your Lennox medical plan will cover 80% of the total cost for most in-network medical services. You will be responsible for the remaining 20% amount.
   
   

   Coinsurance	Green Plan		Blue Plan
   	In-Network	Out-of-Network	In-Network	Out-of-Network
   Medical Plan Pays	80%	60%	80%	60%
   You Pay	20%	40%	20%	40%

   
   
3. Reach Your
   Annual Out-of-Pocket Maximum The maximum amount you will have to pay out of pocket for the plan year. If you reach this limit, the plan will pay 100% of your eligible expenses for the rest of the year.
   
   If you meet the annual out-of-pocket maximum before the plan year ends, your Lennox medical plan will pay 100% of your medical care and prescription drug costs for the rest of the plan year.
   
   

   Annual Out-of-Pocket Maximum	Green Plan		Blue Plan
   	In-Network	Out-of-Network	In-Network	Out-of-Network
   Individual	$8,375	$16,750	$7,825	$15,650
   Family	$16,750	$33,500	$15,650	$31,300

In-Network vs. Out-of-Network

In-Network – Providers that are contracted with your insurance company. You will always benefit from the most savings with in-network providers as they provide medical services at the negotiated discount rates.

Out-of-Network – Providers that are not contracted with your insurance company. Out-of-network providers will not qualify for in-network carrier discounts meaning your costs for care will be higher.

Non-Participating – Providers who have declined to enter into a contract with your insurance company. There is a possibility that your insurance will not be accepted, and you may have to pay out of pocket.

The Green Plan and Blue Plan may differ in their per paycheck premiums, annual deductibles, and out-of-pocket maximums, but both plans offer the same services, copays, and coinsurance.

An overview of each plan’s coverage is provided below. For more details, view the plan documents.

Plan Features	Green Plan		Blue Plan
	In-Network	Out-of-Network	In-Network	Out-of-Network
Annual Deductible (The amount you must pay before the plan will pay for non-preventive care.)
Individual	$1,500	$3,000	$850	$1,700
Family	$4,500	$9,000	$2,550	$5,100
Annual Out-of-Pocket Maximum 1 (The maximum amount you will have to pay out-of-pocket for the plan year.)
Individual	$8,375	$16,750	$7,825	$15,650
Family	$16,750	$33,500	$15,650	$31,300
What You Pay After the Annual Deductible Is Met
Preventive Care	$0 (no deductible)	Not covered	$0 (no deductible)	Not covered
Physician Office Visit	20%	40%	20%	40%
Outpatient Lab and X-ray Services 2	$0 (no deductible)	40%	$0 (no deductible)	40%
Hospital Services	20%	40%	20%	40%
Urgent Care	20%	40%	20%	40%
Emergency Room 3	$300 + 20% ($300 waived if admitted within 24 hours)		$300 + 20% ($300 waived if admitted within 24 hours)
Ambulance Services	20%		20%
Outpatient Therapy 4	20%	40%	20%	40%
Chiropractic Services	20%	40%	20%	40%
Behavioral Health / Substance Abuse	20%	40%	20%	40%

Lennox’s Green Plan and Blue Plan both offer you and your covered eligible dependents a wide variety of EXTRA health and wellness benefits at no additional cost!


Quantum Health’s Chronic Condition Support & $0 Copay Prescription Programs
Through Quantum Health’s Chronic Condition Support Program, all medical plan members can receive free 24/7 nurse support for specific chronic conditions such as asthma, diabetes, coronary artery disease (CAD), congestive heart failure (CHF), and chronic obstructive pulmonary disease (COPD). You may even qualify for FREE chronic condition-specific medications through the $0 Copay Prescription Program.

Quantum Health’s Tobacco Cessation Program
Lennox medical plan members can access Quantum Health’s personalized tobacco cessation services which include FREE nicotine replacement aids and 5 FREE personal quit counseling sessions.



See a licensed medical professional with Doctor on Demand virtual medical, mental health, and primary care services. Need to get common non-emergent cold/flu symptoms diagnosed and treated? Want convenient access year-round to a PCP? Feeling overwhelmed or have an ongoing behavioral concern? Schedule unlimited $0 virtual appointments at any time.



Lantern will cover 100% of your eligible non-emergent surgery costs (deductibles and coinsurance included). You’ll have direct access to top surgeons and high-quality surgical services when your eligible procedure is approved. Pre-surgery phone consults with Lantern are required for joint and spine procedures (regardless of whether a Lantern or non-Lantern surgeon is chosen).



A board-certified specialist at Expert Second Medical Opinions by Included Health can provide a free medical assessment on a new diagnosis or ongoing treatment plan. This is a virtual care benefit for non-emergent conditions.



Back, joint, and muscle pain can be relieved with the Hinge Health virtual physical therapy program — no referral required. A personal coach, guided exercise plans, and wearable sensors will be provided to eligible participants at no cost.



Virta Health‘s proven technology and evidence-based strategies can help eligible participants manage and reverse Type 2 diabetes without medications or surgery. Free smart devices and supplies are provided.



Oshi Health virtual digestive care offers personalized online consults for constipation, diarrhea, acid reflux, and other common gastrointestinal (GI) symptoms. A specialist care team can also help you manage Gl disorders such as inflammatory bowel disease (IBD), Crohn’s, gastroesophageal reflux disease (GERD), and more – no referral required.



With Omada Health‘s 1-on-1 digital lifestyle change programs, eligible participants can better manage their diabetes and high blood pressure symptoms – no referral required. The Omada For Prevention program enables you to maintain a healthy weight and prevent chronic conditions year-round with 1-on-1 coaching.



Combined with recommended health screenings, GRAIL can help you detect 50+ cancer types before symptoms appear. To be eligible for the free GRAIL Galleri multi-cancer early detection blood test benefit, participants must be age 50+ or between ages 40-49 and considered high-risk by a physician.



In case of a cancer diagnosis, Carrum Health will provide eligible participants with 1-on-1 expert cancer guidance including specialized oncologist reviews and 24/7 access to oncology-certified nurses throughout your cancer treatment journey.

Whether you enroll in the Green Plan or Blue Plan, you MUST complete these steps each year to avoid extra monthly surcharges:

Certify Working Spouse Status

A $100 monthly Working Spouse surcharge will apply if you enroll a working spouse who is offered health coverage through their employer. If this does not apply and you wish to avoid the surcharge, answer “No” on the Working Spouse Status question in BenefitSource during Open Enrollment every year.

NOTE: If your status changes, call (800) 284-4549 and submit a Working Spouse Affidavit.

Confirm Tobacco Use

A $150 per person monthly Tobacco Use surcharge will apply if you and/or your covered spouse uses tobacco and enrolls in a Lennox medical plan. If this does not apply and you wish to avoid the surcharge, answer “No” on the Tobacco Use question in BenefitSource during Open Enrollment every year.

NOTE: If you/your spouse’s status changes, call (800) 284-4549 and submit a Tobacco Use affidavit. Quantum Health has a dedicated program in place to help you and/or your spouse quit smoking.

Complete an Annual Health Screening

A $75 per person monthly Wellness surcharge will apply if you and/or your covered spouse do not complete an annual health screening every year, and meet or improve 3 out of 5 measured health metrics by the next set deadline. To avoid this surcharge, visit LIIveWell for the latest information and deadlines. First time users will have to register.

NOTE: In the case of a medical condition or pregnancy, a screening waiver can be submitted.**

Monthly Surcharge Overview

In the event that you do not comply with one or more of the above actions, you and/or your covered spouse will be charged the extra monthly surcharges as outlined below:

Monthly Surcharge	Employee	Covered Spouse
Working Spouse Status*	N/A	$100
If Using Tobacco Products*	$150	$150
If You Fail to Complete an Annual Health Screening or Do Not Meet or Improve 3 of the 5 Measured Health Metrics**	$75	$75

If you retire before age 65 and become entitled to Medicare after you’ve signed up for COBRA, your COBRA benefits cease. COBRA will cover your spouse and/or dependent children, if they are already enrolled in coverage, for up to 36 months.

NOTE: If you continue working for Lennox after age 65, Lennox’s medical coverage will remain primary.

If you retire after age 65 and are enrolled in Medicare (Parts A & B), you can continue COBRA coverage, as well as having Medicare (Medicare coverage will be primary). Keep in mind, there are cheaper insurance plans that you can use with Medicare than COBRA. Call Fidelity Medicare Services at (833) 886-0033 to access FREE impartial Medicare guidance and enrollment assistance for the following:

• Medicare Advantage
• Medicare Supplement (Medigap)
• Part D prescription drug plans
• Stand-alone vision and dental plans
• Travel health insurance

If you need a Medicare form completed, please reach out to April Williams at April.Williams@lennox.com.