Medical

• Due to IRS regulations for embedded deductible plans, the High Deductible Health Plan (Blue HDHP 3) deductible will increase to $3,400 for individual (was $3,300) and $6,800 for family (was $6,600). 
• To help offset the increased deductible, Modine is increasing the employer annual Health Savings Account (HSA) contribution to $850 for employee-only coverage (was $825) and $1,700 for family coverage (was $1,650).
• Enrolling in the Blue HDHP 3 allows you to also contribute to your HSA. You can contribute up to $4,400 for an individual and $8,750 for a family. Keep in mind, company contributions are included in these limits.
• Enrolling in the Blue PPO Plan 1 or Blue PPO Plan 2 allows you to also contribute to a Health Care Flexible Spending Account (FSA). You can contribute up to $3,400 in 2026. Remember to plan your contributions carefully — any money remaining in your account after May 31 of the following plan year will be forfeited.
• If you enroll in a Modine medical plan, all virtual and LiveHealth Online visits will be covered at 100%.
• Health Savings Account Overview
• Four Reasons to Contribute to Your HSA

FREE Virtual Primary Care and LiveHealth Online Visits

• If you enroll in a Modine medical plan, you can access free virtual primary care and LiveHealth Online visits through Anthem BlueCross BlueShield.
• With virtual care, you have convenient, hassle-free access to doctors and specialists in your plan’s network, making it easier to fit a visit into your busy schedule. You can schedule appointments for wellness screenings, routine care and lab tests and talk with an in-network doctor through the secure medical chat for on-demand urgent care.
• With LiveHealth Online, in-network doctors can assess your non-chronic condition over a video visit, provide a treatment plan and even send a prescription to your local pharmacy, if needed. LiveHealth Online also provides private access to licensed therapists for counseling and mental health visits. Appointments with a therapist can be scheduled over the phone or online.
• Access Virtual Care from Anywhere
• More Care Options from LiveHealth Online

Removal of Spousal Surcharge

The spousal surcharge will no longer be required for employees who cover a spouse under a Modine medical plan. This change reflects our ongoing commitment to supporting our employees and their families by making healthcare coverage more accessible.

Premium Dental Plan

• The maximum dollar amount the dental plan covers each calendar year will increase to $3,000 (was $2,000).
• The deductibles for both single and family coverage will decrease to $0 (was $50/individual and $150/family), which means you will pay less out of pocket.
• The individual lifetime maximum for orthodontic services will increase to $3,000 (was $2,500).
• Delta Dental Benefit Summary

Dependent Care Flexible Spending Account (FSA)

• In 2026, you may contribute up to $7,500 per year (was $5,000) to this account if you are single or married filing jointly, or up to $3,750 per year if you are married filing separately.
• A Dependent Care FSA is a smart way to save money while covering the cost of care for your loved ones. Eligible expenses for a Dependent Care FSA include:
  • Cost of child or adult daycare*
  • Nursery school
  • Preschool (excluding kindergarten & above)
  • Summer day camp
• As a reminder, the Dependent Care FSA is a “use it or lose it” benefit. Unused funds will be forfeited, so plan carefully.
• Incur expenses through March 15 of the following year. Claims for reimbursements must be submitted by May 31 of the following year.
• Dependent Care FSA Overview

* An eligible dependent is a tax-dependent child under age 13 or a tax-dependent spouse, parent or child unable to care for themselves.