Introduction To Your 2026 Medical Insurance Benefits

CPC knows that your employee benefits package is extremely important to you, and benefits are an integral part of the overall compensation package offered by CPC. The information provided in this online enrollment guide highlights the benefits offered to you. We strive to provide you and your eligible dependents with choices that meet you and your family’s needs.

You are eligible to participate in the employee benefit program if you are a full-time employee scheduled to work an average of at least 30 hours per week.

Medical Plan Options Are Changing for 2026: This means that all employees must make benefit elections during the enrollment period (October 1 – October 31, 2025) in order to have coverage through CPC in 2026.

About Your Supplemental/Voluntary Benefits: Your current Supplemental/Voluntary Benefit elections from 2025 will remain intact. However, you will be given the opportunity to make any changes to your Supplemental/Voluntary Benefits during the online open enrollment process.

Read This Guide: Please take the time to read this guide thoroughly; it will guide you in understanding and selecting your benefit elections.

Enrollment Assistance: Feel free to call our Benefit Specialists at (800) 941-7089 to assist you with any questions or issues you have with the enrollment process.

What’s New for 2026

New Value-Driven Health Plan Option

Health care can be complicated and costly for everyone. That’s why CPC is introducing a new additional benefit plan option alongside the traditional PPO Medical Plan. The new option is called the Value-Driven Health Plan (VDHP).

Most importantly, you decide which of these two CPC Benefit Plans works best for your needs, your family, and your budget—and CPC is here to help answer any questions, (800) 941-7089.

Working Covered Spouse Premium

Beginning in 2026, employees who enroll a spouse in a CPC medical plan will incur an additional premium if the spouse has access to other credible health care coverage (e.g., through their own employer’s plan, not CPC). This additional premium is designed to encourage the use of alternative coverage options when available, helping to manage rising health care costs for CPC and all employees.

The two benefit plan enrollment options available for an employee with a working covered spouse under either the VDHP Medical Plan or PPO Medical Plan are:

• Employee plus Working Covered Spouse; and
• Family with Working Covered Spouse.

No additional premium will apply to a spouse who does not have access to other credible coverage.

If your enrolled spouse does not work or works for an employer that does not offer credible health care coverage, then you may select the regular Employee plus Spouse or Family coverage options.

The Company will audit enrollment elections to verify compliance with this policy. If an enrolled spouse is found to have other credible coverage but a Working Covered Spouse plan benefit option was not elected, this may be considered insurance fraud and consequences may include denial of claims and termination of employment.

Note: The descriptions of benefits in this guide are not guarantees of current or future employment or benefits. If there is any conflict between this Guide and the official Plan Documents, the official documents will govern.