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Message MANAGER BENEFITSGUIDE2025An overview of the wide array of benefits provided byRaleigh Pediatric Associates to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesAs an employee of Raleigh Pediatric Associates, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2025 plan year, Raleigh Pediatric Associates has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Raleigh Pediatric Associates is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Raleigh Pediatric Associates benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 1st of the month following 60 days of full-time employmentBenefits End End of the month following terminationDependents Legal spouse, dependent children up to age 26 Domestic Partner Same and Opposite Sex

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesComparison of PlansCoverage Provided by NCMS Employee Benefit PlanIn-Network PPO 5000-70 HDHP 7000-100Benefit Period Calendar Year: 1/1 – 12/31 Calendar Year: 1/1 – 12/31Deductibles (Individual / Family)$5,000 / $10,000 $7,000 / $14,000Preventive Care Covered in full Covered in fullPrimary Care Visit$40 CopayRegister your PCP on www.BlueConnect.com and 1st three visits copay waved0% after deductibleSpecialist Visit $120 Copay 0% after deductibleTelehealth via Teladoc $40 Copay 0% after deductibleUrgent Care $120 Copay 0% after deductibleEmergency Room $1,000 Copay 0% after deductibleOutpatient Procedure 30% after deductible 0% after deductibleInpatient Visit 30% after deductible 0% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5$15 / $35 / $45 / $90 / 25% ($50 min, $200 max)Enhanced Preventive: 0%, no deductibleAll Others: 0% after deductibleLens and Frames Coverage $130 at 100%, 90% thereafter 0% after deductibleOut-of-Pocket Max (Individual / Family)$8,550 / $17,100 $7,000 / $14,000MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your NCMS plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Raleigh Pediatric Associates, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREPricing Per Pay Period PPO 5000-70 HDHP 7000-100Employee$61.29 $30.68Employee + Spouse$473.82 $411.69Employee + Child$193.46 $152.76Employee + Children$369.68 $315.51Employee + Family$774.22 $689.13Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesEmployees and dependents enrolled in our medical have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesAmazon PharmacyBlue Cross NC now offers access to Amazon Pharmacy for your mail order needs. This includes Meds Your Way, a discount card that provides additional savings through Amazon Pharmacy. At check out you’ll see the lowest cost available for your prescription. Sign up and learn more at www.amazon.com/bluecrossnc. Mail Order Pharmacy ProgramManage Your PrescriptionsPrescription drug costs vary according to factors such as the drug type, the tier or drug cost level, and the formulary or the listed of covered drugs. There are three different drug categories: brand-name, generic, and specialty.• GENERIC - Generic drugs have the same active ingredients as brand-name drugs and have received FDA approval. They can have a different shape, size, and color than the brand name drug, but they are just as safe and effective. Generics also tend to cost less than brand-name drugs. • BRAND-NAME - Brand-name drugs are the original version of a medication made by the manufacturer. For example, Tylenol® is the brand-name for acetaminophen. Brand-name drugs tend to be more expensive than their generic alternatives. Brand-name drugs may not be fully covered by insurance if there is a generic version available.• SPECIALITY - Specialty drugs treat complex, rare, or chronic conditions. Many of these drugs are injectable medications or have special administration requirements. These medicines tend to cost more than others and are only sold at specialty pharmacies. You should check your plan for your in-network specialty pharmacy options.Click here to learn more about managing your prescriptions:https://www.brainshark.com/1/player/bcbsnc?fb=0&r3f1=f3c9b7e4e8e5bdafffb5d6b4befaf5e5f3bea18fa0fff5b9&custom=manageyourrx

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesThrough our partnership with NCMS, enrolled members have access to several additional programs to help support you in achieving a healthy balanced life.Nurse Support Program Condition CareManaging a chronic condition can be complicated. This BCBSNC program connects you to additional tools, resources and care if you have a condition such as:• Asthma• Chronic Obstructive Pulmonary Disease• Congestive Heart Failure• Coronary Artery Disease• Diabetes• HypertensionA Nurse Advocate may call you to provide one-on-one support. If you have not already been contacted by the Nurse Advocate, you can call 1-888-229-8510, Monday through Friday, between 9:00 a.m. and 7:00 p.m.Eat Smart, Move More, Weigh LessEat Smart, Move More, Weigh Less is an online weight management program that uses strategies proven to work for weight loss and maintenance. Each lesson informs, empowers and motivates participants to live mindfully as they make choices about eating and physical activity.To register visit: https://esmmweighless.com/howitwork/enroll-choose-a-class/ and enter the employer code: ASONCMSRaleighPeds. For questions, please contact Administrator@ESMMWeighLess.com.Nutrition Counseling Total Nutrition Technology provides members with a custom-built nutrition plan and exercise guidelines to fit each member’s lifestyle and dietary objectives. To get started on your wellness journey, complete and submit this form: https://www.totalnutritiontechnologycharlotte.com/curi-member-form/. MEDICAL SUPPORT PROGRAMS

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP while saving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountWhy Is It A Good Idea To Have An HSA?HSAs benefit everyone who is eligible to have this account, including single individuals, families and soon-to-be retirees. You save money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Refer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your HealthEquity HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. These maximums include your employer’s contribution of $500/year. The IRS has established the following maximum HSA contributions:2025 Tax Year$4,300 Individual / $8,550 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)HealthEquity will automatically open an account for you if you don’t already have one.

No use-it-or-lose-it rule, HSAs rollover every yearAvailable tax-free investing, just like a 401(k)2Requires an eligible high-deductible health plan (HDHP) Spend tax-free.There are thousands of HSA-qualified expenses. Here are just few:• Medical• Dental• Vision • Pharmacy • Over-the-counter (OTC) medications• Mental health services• Lab feesHealthEquity.com/Learn/HSA See how much you can save.Health Savings AccountAn HSA lets you save money for future healthcare costs while also saving on taxes. How? HSAs are the only benefit with a triple-tax advantage:1 Tax-free contributions. Tax-free account growth. And tax-free spending on HSA-qualified expenses. It’s your healthcare emergency safety net.HSA1HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. | 2Investments made available to HSA members are subject to risk, including the possible loss of the principal invested, and are not FDIC or NCUA insured, or guaranteed by HealthEquity, Inc. | 3Example for illustration only. Estimated savings are based on an assumed combined federal and state income tax bracket of 20%. Actual savings will depend on your taxable income and tax status. HealthEquity does not provide legal, tax or financial advice.Copyright © 2024 HealthEquity, Inc. All rights reserved. OE HSA Standard Flyer 5.14.2024Don’t tax your money. Max your money. 2025 HSA Contribution Limits$8,550Family plan$4,300Individual planMembers 55+ can contribute an extra $1,000.HSANo HSATaxedTax-freeGet $20 tax savings for every $100 you contribute.3

HSA Store is the worry-free zone for spending your pre-tax dollars.Did you know that your HSA covers more than bandages and over the counter medicines?Funds stretch far to cover 2,500+ items including physician visits, hi-tech kits, and plenty of items you'd never expect.Try out HSA Store with an exclusive savings of $5 at: hsastore.com/healthequity. Use code HealthEquity24 (1 per customer, expires 3/31/2025)In addition to our products, tools, and services, HSA experts are available 24/7 via phone and chat.They are able to answer general questions about year-end deadlines, maximum contributions, order statuses, returns, exchanges, products, and pricing. Last but not least, HSA Store makes payment processing seamless with no purchase verification when using your HSA card.Benefit Better.

Mid-spender Maria $3,000 est. healthcare expensesHigh-spender Hayden$6,000 est. healthcare expenses Low-spender Larry$500 est. healthcare expenses Traditional health planHigh-deductible health planPremium costs $3,000 $2,000Deductible $1,000 $3,500Out-of-pocket costs (20% coinsurance)$0 $0HSA employer contribution$0 $1,000Net cost $3,500 $1,500Think high-deductible health plans (HDHP) cost too much? Not so fast! On the right are three dierent spending scenarios that show how an HDHP paired with a Health Savings Account (HSA) can help you save money. Savings can add up fast, especially when you consider insurance premiums and potential employer HSA contributions. Remember, these are only examples. So be sure to review your plan details carefully.*Defining key terms Premiums. The amount you pay per year to have health insurance. Deductible. The amount you must pay before your insurance kicks in. Coinsurance. The percentage of healthcare expenses you may need to pay after your deductible. HSA employer contribution. The amount your employer may put into your HSA just for choosing an HDHP. Compare your net costs. To find net costs for your health plan options, simply add premium costs + expenses. Then subtract the employer HSA contribution (if available). Where healthcare expenses exceed your deductible, you may need to add coinsurance too. You can find it by calculating 20% of expenses after your deductible.How much will you save?In each scenario, the HDHP gives you $1,000 premium savings plus $1,000 free money with the employer HSA contribution. So, the HDHP saves $2,000 before we even consider healthcare expenses. This is why the HDHP is so appealing for folks like Low-spender Larry and Mid-spender Maria. HDHPs bring the potential for significant savings. But even for High-spender Hayden, the HDHP is essentially breakeven.Bottom line: Look beyond deductibles. Consider premium costs. And see if an employer HSA contribution is available. Traditional health planHigh-deductible health planPremium costs $3,000 $2,000Deductible $1,000 $3,500Out-of-pocket costs (20% coinsurance)$400 $0HSA employer contribution$0 $1,000Net cost $4,400 $4,000Traditional health planHigh-deductible health planPremium costs $3,000 $2,000Deductible $1,000 $3,500Out-of-pocket costs (20% coinsurance)$1,000 $500HSA employer contribution$0 $1,000Net cost $5,000 $5,000Learn more at HealthEquity.com*The examples used are for illustrative purposes only. © 2023 HealthEquity, Inc. All rights reserved.

Fund availabilityFunds available as you contribute Get full annual amount on day 1 of plan yearFund expirationNo use-it-or-lose-it, keep your money forever (even if you change health plans, jobs, or retire)Funds eventually expire if you don’t use them (though some employers oer grace period or carryover extensions)InvestingInvest4 your HSA tax-free, like a 401(k) Cannot invest FSA funds or grow your accountContribution changesChange or update anytime Only during enrollment or ‘qualifying life event’ Health plan typeRequires HSA-qualified health plan Works with any health plan typeContribution limits5 $8,550 (Family plan)$4,300 (Individual plan)$3,200 (regardless of plan type)Account compatibility (if oered by employer) • Dependent Care FSA • Commuter Benefits • Limited Purpose FSA • Dependent Care FSA • Commuter Benefits • Health Reimbursement ArrangementHSA vs FSA1FSAs and HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize FSA and HSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. | 2Estimated potential tax savings are based on a $8,300 family HSA contribution and 20% eective tax rate including applicable state and federal income taxes. Actual tax savings will vary based on your contribution amount and specific tax situation. | 3Estimated potential tax savings are based on a $2,500 contribution and a 20% eective tax rate, including applicable state and federal income taxes. Actual tax savings will vary based on your specific tax situation. | 4Investments made available to HSA members are subject to risk, including the possible loss of the principal invested, and are not FDIC or NCUA insured, or guaranteed by HealthEquity, Inc. | 5Contribution limits are accurate as of 11/09/2023 for FSA and 5/14/2024 for HSA. For the latest information, please visit: HealthEquity.com/Learn | HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions. | Copyright © 2024 HealthEquity, Inc. All rights reserved. HSAvsFSA OE Flyer 5.14.2024HealthEquity.com/Learn Discover more ways to save. Save up to $1,7102 on taxesHealth Savings AccountSave up to $5003 on taxesHealthcare Flexible Spending AccountBoth accounts let you: Use pre-tax money to pay for qualified medical expenses, including dental and vision1 Make pre-tax payroll contributions Pay for your spouse and dependents too

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesThis Is How An FSA Works:• You set aside money for your FSA from your paycheck before taxes are taken out.• You then use your pre-tax FSA funds throughout the plan year to pay for eligible health care or dependent care expenses.• You save money on expenses you're already paying for.Our plan through Flores, offers a carry over up to $660 of unused funds to the following year. OR If you don’t use it, you lose it. Refer to your FSA documentation for more details.Health FSA Eligible Expenses• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgery• Professional services: physical therapy, chiropractic and acupuncture• Prescription drugs and insulin• Over-the-counter health care items such as bandages, pregnancy tests and blood pressure monitorsDependent Care FSA Eligible Expenses• Care for your child who is under the age of 13• Before-school and after-school care• Babysitting and nanny expenses• Day care, nursery school and preschool• Summer day camp• Care for a relative who is physically or mentally incapable of self-care and lives in your homeRefer to your FSA documentation for more information. FLEXIBLE SPENDING ACCOUNT (FSA)

2025 FSA Enrollment Information*EMPLOYEES ENROLLING IN A HDHP PLAN SHOULD NOT ENROLL IN FSA*1. FSA – Enrollment for an FSA account is done on the Proliant website• A Health Care Flexible Spending Account provides payroll deducted tax-exempt funds you can use to pay for eligiblehealthcare expenses that are not covered, or only partially covered, by your medical, dental, and vision insurance plans.(Co-pays, deductibles, insurance differentials, and various OTC medications and supplies.• A Dependent Care Flexible Spending Account provides payroll deducted tax-exempt funds that you can use to pay foreligible expenses related to daycare or elderly dependent care. It cannot be used for private school tuition. These expensesmust be for a child under 13 years old or your spouse, parent, or dependent who isn’t able to care for themselves.2. Use it or Lose it – Per IRS guidelines,• Healthcare FSA – monies must be used by the end of the benefit year or they are lost. The IRS does allow up to $660(increased from $640 in 2024) to be rolled over to the next year. However, when deciding on your contribution amount, becareful not to over-estimate how much you will need.• Dependent Care FSA – The IRS allows a grace period for Dependent Care FSA. Monies must be used by March 15 of thefollowing year or they are lost. There is no rollover of funds allowed for Dependent Care FSA.3. Annual Maximum Contribution Limits – Healthcare FSA - $3,300 individual or $6,600 for coupleDependent Care FSA - $2,500 for those married but filing separately OR $5,000 for those single or married filing jointly.4. Dependents – Children may be covered under their parent’s Healthcare FSA account until age 26 as long as they are a taxabledependent. However, if your child will turn 27 anytime in 2025, they cannot be covered under your FSA in 2025 at all.5. Pay Periods - 26 pay periods for 2025. Employees should take the annual election amount that you choose and divide by the # ofpay periods (26) to figure the contribution amount per pay period. The Proliant website will calculate this for you if you enter ayearly contribution amount.6. Using Healthcare FSA for Over-the-Counter Drugs SEE MEMO FROM FLORES REGARDING ALLOWABLE OVER-THE-COUNTER EXPENSESPlease note: In 2011, prescriptions started being required for many types of Over-The-Counter medications (pills, syrups, sprays, etc.).7. Having both a Healthcare Flexible Spending Account (FSA) AND a Health Savings Account (HSA) – Per IRS guidelines, a person canhave both types of accounts but they cannot use them for the same “type” of expenses. For example, if someone has a HSA to payfor medical expenses, they can still have a FSA but could only use the FSA for dental and/or covered over-the-countersupplies/products. This is called a “Limited FSA”. RPA does not offer a limited FSA. Therefore, if you are enrolling into a HDHP, youcannot enroll in FSA because you will have a HSA.8. Online Registration: Employees are encouraged to register at www.flores247.com once your FSA account is active. It allows you tomanage your FSA, submit receipts and substantiation forms online, view your balance, and check the status of claims on your FSAaccount. You can then also download the Flores Mobile app to your smartphone and connect your FSA account to it.9. Submitting Substantiation – The easiest way to submit substantiation for a Healthcare FSA purchase is through the Flores mobileapp. You can simply take a photo of your receipt and bill and upload it through the mobile app to your FSA account. Flores Mobile isavailable through the Apple store or Google Play. Substantiation can also be submitted through the Flores website.10. Your Debit Card is good for 3 years. If you are currently enrolled in the plan, you will not be issued a new card unless your card isexpiring.11. New enrollees should receive their Debit Cards by Jan. 1, 2025.

12. If you pay out of pocket for a Healthcare FSA purchase (instead of using your FSA debit card) and submit for reimbursement, you willuse the reimbursement forms found on the Flores website. If you wish to have your monies deposited directly into your bankaccount versus waiting for a check, you may submit a direct deposit form to Flores to set this up. This form is also found on theirwebsite.13. Current elections:• Healthcare FSA - For anyone who enrolled Jan. 1, 2024, you will have until December 31, 2024 to use your 2024 contributions.Substantiation forms for purchases/claims prior to December 31, 2024 must be submitted no later than February 28, 2025. Atthe end of the year, up to $640 of unused 2024 monies may be rolled over into 2025. Once the 2024 contributions areexhausted, Flores will begin to use your 2025 contributions.• Dependent Care FSA – For anyone who enrolled Jan 1, 2024, you have until March 15, 2025 to use your 2024 contributions.Reimbursement requests for childcare charges prior to March 15, 2025 must be submitted no later than March 31, 2025. Anyremaining funds not requested for eligible reimbursement by this deadline will be forfeited.14. Future elections:• Healthcare FSA - Will be effective January 1, 2025. Monies for 2024 must be used by December 31, 2025. At the end of theyear, up to $660 of unused monies may be rolled over into the following year’s FSA account.• Dependent Care FSA – Will be effective January 1, 2025. Monies for 2025 must be used by March 15, 2026.Reimbursement requests for childcare expenses prior to March 15, 2026 must be submitted no later than March 31, 2026.Any remaining funds not requested for eligible reimbursement by this deadline will be forfeited.

YOUR STEPS TO SAVINGS!REALIZE THE TAX SAVINGSYou can set aside pre-tax money into an account to be reimbursed for eligible medical expenses. Savings will depend on your tax bracket. For example, if you are taxed at 25% and you enroll for $3,050 you would save $762.50 in taxes.ESTIMATE YOUR EXPENSESPlan for your upcoming expenses and include your spouse and dependents, if eligible. A brief list of expenses can be found to the right. A comprehensive list of allowable expenses and an expense worksheet can be found atwww.flores247.com.ENROLL AND MANAGE YOUR ACCOUNT Contact your Human Resources Department to find out how to enroll for this benefit. Flores will send a custom Participant ID number via mail or email to help you manage your account. Contact information can be found on the back of this flyer.HEALTH CAREFLEXIBLE SPENDING ACCOUNTTHE HEALTH CARE FLEXIBLEREIMBURSE YOU FOR ELIGIBLEEXPENSES YOU OR YOURELIGIBLE DEPENDENTS INCUR THAT ARE NOT PAID BY YOUR EXISTING HEALTH CARE PLAN.ELIGIBLE EXPENSES edical co-payments, co-insurance   Vision expenses (including eye exams,eyeglasses and contact lenses) LASIK surgery Dental expenses (excluding  Hearing expenses Over-the-counter Medications Menstrual Care Items COVID-19 Related PPE123

CUSTOMER SERVICE 1.800.532.3327HOW DO I OBTAIN MY ACCOUNT DETAILS?WEBSITEVisit www.ores247.com andlog in using Parcipant ID orUser Name and passwordMOBILE APPDownload our mobile app from your app storePID & PASSWORD ASSISTANCEDial 800.840.7684HEALTH CARE FSA FAQsFREQUENTLY ASKED QUESTIONSHOW CAN I SUBMIT A CLAIM? Claims may be uploaded to your account on our participant Flores247 Web Portal, www.flores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the filing deadline for the applicable plan year in which your expenses were incurred.WHAT MUST BE INCLUDED ON RECEIPTS? All receipts for reimbursement must include the following information: Date of service, Description of Service, Out-of-Pocket Cost, Provider Name, and Patient Name.WILL I HAVE A DEBIT CARD? Possibly. If your plan offers the debit card, you can use your Flores Benefits Card at the point of purchase. Remember to keep all of your receipts in case they are requested for review.DO I NEED TO RE-ENROLL IN THE HEALTH CARE FSA EACH YEAR? Yes, you must re-enroll with each new plan year. Elections do not rollover from year to year.WHEN WILL I HAVE ACCESS TO THE FUNDS IN MY HEALTH CARE FSA? After your first Health Care FSA contribution to the plan, you will have access to the total amount you have elected for the plan year, regardless of the current balance in your flexible spending account.CAN I SUBMIT MY SPOUSE’S / DEPENDENT’S MEDICAL EXPENSES TO MY HEALTH CARE FSA? Regardless of who is covered on your medical insurance, the Health Care FSA may reimburse expenses for your spouse or any qualifying tax or adult dependent. HOW WILL REIMBURSEMENTS BE ISSUED?Reimbursements will be mailed as a check to your home address. If you would like to have your reimbursement issued as a direct deposit, you may add your direct deposit information on the participant website (www.flores247.com) or submit a completed Direct Deposit Information Form. If your plan offers the debit card, you may use this card at the point of purchase to access your FSA dollars.CAN I CHANGE MY ELECTION DURING THE PLAN YEAR? You may only change your annual election during the plan year if you experience a qualifying status change event. You must notify your employer within 30 days of any status change event in order to change your election. See the Allowable Status Changes Guide on our website (www.flores247.com) for further information.WHAT HAPPENS TO MY HEALTH CARE FSA IF I TERMINATE FROM THE COMPANY? Any expenses submitted for reimbursement must be incurred prior to your termination date or the benefit end date specified by your company. Claims must be submitted prior to the claims filing deadline for the plan year during which you terminated. In certain situations you may be eligible to continue your participation in the Health Care FSA through the election of COBRA. Please contact your Human Resource Department for further information.WILL UNUSED FUNDS ROLLOVER TO THE NEXT YEAR? Possibly. If your employer has adopted the FSA carryover, any unused balance up to $570 that remains in your account as of the last day of the plan year will roll into the new plan year for you to be able to use towards eligible expenses you incur during the new plan year.HOW DO I SUBMIT DOCUMENTS TO FLORES?ONLINEVisit www.flores247.com and upload documents securelyMOBILEDownload Flores Mobile app Available for Apple or Android devicesMAILFlores & Associates, LLCPO Box 31397Charlotte, NC 28231FAX800.726.9982 or 704.335.0818The content of this handout has been prepared by Flores & Associates, LLC for informaonal purposes only and does not constute legal or tax advice. This informaon is an interpretaon of selected porons of the Internal Revenue Code (IRC) as of 12/1/2018 and is subject to connual revisions.Revised 10/22

The following guide has been created to provide guidance on the type of items that are reimbursable. Please check your company’s plan documents for specific exclusions. Participation in a Health Savings Account (HSA) would substantially limit the reimbursable expenses listed below for a Limited Heath Care FSA (LFSA). To verify if a certain expense is covered if it is not listed below, please call 800.532.3327.Allowable Over-the-Counter ExpensesAcceptable Over-the-Counter ItemsInsulin SalineBandages/Band-Aids Rubbing Alcohol Thermometers Cold/Hot Packs First Aid Kits OxygenGauze and Tape Incontinence Supplies Diabetic SuppliesGlucose MetersSunscreen SPF 15+CrutchesOrthopedic Shoe Inserts Breast Pumps/Lactation Supplies Baby Rash Ointments/Creams LaxativesMotion Sickness Pain ReliefSleep Aids & Sedatives Stomach Remedies Medicated Sunburn CreamsDual Purpose Over-the-Counter Items (Requires Further Documentaon)Acid ControllersAcne MedicationsAllergy & SinusAntibiotic ProductsAnti-Diarrheals, Anti-Gas Anti-Itch & Insect Bite Asthma devices and Medication Smoking Cessation MedicationOvulation Indicators PedialyteBlood Pressure Monitor Cholesterol Test Pregnancy Test CondomsFlu ShotsReading GlassesMenstrual Care Products Cold Sore RemediesCough, Cold & FluDigestive AidsFeminine Anti-Fungal/Anti-Itch Contraceptive Pills Vitamins, Herbs and Supplements Compression Hose HumidifierNon-Acceptable Over-the-Counter ItemsAromatherapyBaby boles and cupsBaby oilBaby wipesCosmecsDental ossFacial care FragrancesHair regrowthOral carePetroleum jelly Shampoo & conditioner Skin careSpa salts Sunscreen/tanning products Teeth Whitening ProductsTooth brushes Toiletries (i.e. Deodorants,Fragrances, and Tissues) flores247.com800.532.3327 PO Box 31397 Charlotte, NC 28231Revised September 2022

ENROLL IN ELIGIBLE BENEFIT PLANYour employer offers the Flores Benefits Card to employees who enroll in an eligible benefit plan. The card will allow you to pay for eligible expenses at participating providers at the time services are rendered, thus eliminating or reducing your out-of-pocket cost at the time of the purchase or service. RECEIVE YOUR FLORES BENEFITS CARDYour Flores Benefits Card will be mailed upon your enrollment in an eligible benefit plan. No activation is required, but you should review the Cardholder Agreement included in this mailing, and then sign the back of your card.PROPER USE & ACCOUNT MANAGEMENTYou will be able to view and manage your account on the Flores Web Portal, www.flores247.com. You should keep your receipts and invoices for payments made with your Flores Benefits Card, as you may be required to provide documentation to Flores to verify the eligibility of certain transactions. If requested, you may submit your documentation to Flores by uploading it to your online account, uploading using the Flores Mobile App, or sending it by fax or mail.123Recordkeeping Tip: Most payments will be automatically substantiated at the point of the transaction. Flores will only ask you to provide a copy of your receipts when substantiation is required per IRS guidelines. Establish a physical location where you will keep all receipts for your Flores Benefits Card purchases. Regardless of your position with your company, every employee will be treated the same in regard to IRS plan administration guidelines. No exceptions will be made.If you are asked to provide a receipt, it must include: • name of provider or merchant• descripon of service oritem purchased• date of service• your out-of-pocket responsibilityItems such as handwritten explanations, Card transaction receipts or previous balance receipts cannot be used to verify an expense. If you do not have the receipt, you can contact the provider who can usually supply the receipt from their files.FLORES BENEFITS CARD

IS SUBSTANTIATION REQUIRED?YESCharges applied against your plan year deductibleCharges applied against your plan year coinsuranceDental chargesVision chargesNOPrescripon charges purchased at a retailer ulizing a FSA inventory control systemRecurring charges that were previously approved and documented (i.e. orthodontia, chiropractic care)Amounts at medical providers that match common co-pay amountsIRS guidelines require that your Flores Benefits Card is deactivated if you do not honor requests from Flores and your employer to substantiate certain transactions. Flores will send you helpful notices well before your card is deactivated if they need to see your receipts. Regardless of your title within the company, you should respond promptly to Flores as they do have your best outcome in mind. Start: Use the Flores Benefits Card for eligible medical expensesIf balance is available, the card satisfies as payment for your expenses.Obtain a detailed receipt that includes:-date of service/purchase-descripon of service/item purchased-your out-of-pocketresponsibilityStore receipt in your personal ling system for later reference. Flores will ask you for your receipt if necessary to verify FSA eligibility of payment. Provide receipt to Flores and your card remains acve and purchase non-taxable

CUSTOMER SERVICE 1.800.532.3327The content of this handout has been prepared by Flores & Associates, LLC for informational purposes only and does not constitute legal or tax advice. This information is an interpretation of selected portions of the Internal Revenue Code (IRC) as of 10/17/2019 and is subject to continual revisions.HOW DO I OBTAIN MY ACCOUNT DETAILS?WEBSITEVisit www.flores247.com and log-in using Participant ID or UserName and passwordMOBILE WEBSITEVisit our mobile website at m.ores247.comPID & PASSWORD ASSISTANCEDial 800.840.7684What expenses are eligible for payment with my Flores Benefits Card?You can use your Flores Benefits Card to pay for expenses incurred during your active enrollment period in the current plan year. If a provider or merchant does not accept cards, you do have the option to file a manual request for reimbursement of your eligible out-of-pocket cost. Please visit www.flores247.com for a guide to allowable expenses. If you terminate employment during the plan year, the card will be turned off at that time. Only expenses incurred while you are an active participant will be considered reimbursable.How can I use my Flores Benefits Card to pay for my eligible out-of-pocket expenses?Although the Flores Benefits Card is a debit card with a cash balance loaded onto it, you should select “credit” as the transaction type, and sign for purchases at authorized merchants. Please keep in mind that the Flores Benefits Card will decline if you try to swipe it for an amount greater than your available balance.FLORES BENEFITS CARD FAQsFREQUENTLY ASKED QUESTIONSHow should I send my documentation to Flores?Many transactions will be auto-approved at the point of sale and will not require further documentation. Flores will notify you by email or a mailed letter if additional information is needed to verify the eligibility of a particular transaction. You may submit your documentation by upload on the participant website, www.flores247.com, using the Flores Mobile App, or by fax or mail.I used my card for an ineligible expense. What do I need to do to correct this?You may send a refund check to Flores for the ineligible amount, which will be credited back to your Flores Benefits Card to be used toward other eligible expenses you incur later in the year. You may also submit documentation that verifies you have paid out-of-pocket for an eligible expense, which Flores will use to offset the ineligible amount paid with your Flores Benefits Card.Will I receive a new card each plan year?Your card is valid for five years from its issue date. Do not discard your card prior to its expiration date. At the start of each new plan year, your card will be reloaded with your new election amount. A new card will be mailed to you when your expiration date is approaching. HOW DO I SUBMIT DOCUMENTS TO FLORES?ONLINEVisit www.flores247.com and upload scanned documents securelyMOBILEDownload Flores Mobile smartphone App Available for Apple or Android devicesMAILFlores PO Box 31397Charlotte, NC 28231FAX800.726.9982 or 704.335.081806/2023

800.532.3327 www.flores247.comView your account balances right on the home screenSubmit Supporng DocumentaonRequest for ReimbursementUpload documents from your camera rollCapture for Debit Card Documentaon or Claim SubmissionsTo submit a claim, select “Upload” from the main screen then select the type of claim to upload. You can then photograph your documentaon, upload up to 10 images from your camera roll, and add claim details.Once your claim is submied you will receive the standard e-Status messages as the document is processed by Flores.Viewing Account InformaonYou are also able to access your Flores Account Informaon using this mobile app. By selecng one of your accounts, you will be taken to the responsive Flores247.com website without a need for an addional login. Through this portal you can view account history, plan documents, add Authorized Users, add/edit Direct Deposit informaon, and access helpful guides.Download Flores Mobile todayFEATURES HOW TO USE

YOUR STEPS TO SAVINGS!REALIZE THE TAX SAVINGSYou can set aside pre-tax money into an account to be reimbursed for eligible dependent childcare expenses. Savings will depend on your tax bracket. For example, if you are taxed at 25% and you enroll for $5,000 you would save $1,250 in taxes.ESTIMATE YOUR EXPENSESPlan for your upcoming expenses. A brief list of expenses can be found to the right. A comprehensive list of allowable expenses and an expense worksheet can be found at www.ores247.com.ENROLL AND MANAGE YOUR ACCOUNTContact your Human Resource Department to nd out how to enroll for this benet. Flores will mail a custom Parcipant ID number to your home address to help you manage your account. Contact informaon can be found on the back of this yer.DEPENDENT CAREFLEXIBLE SPENDING ACCOUNTTHE DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA) CAN REIMBURSE YOU FOR DAY CARE EXPENSES PROVIDED FOR YOUR DEPENDENTS SO THAT YOU (AND YOUR SPOUSE, IF YOU ARE MARRIED) CAN WORK. CARE MUST BE FOR A DEPENDENT CHILD UNDER AGE 13 OR A DEPENDENT OF ANY AGE THAT LIVES IN YOUR HOUSEHOLD THAT IS INCAPABLE OF SELF-CARE.123ELIGIBLE EXPENSESreschools• Day campsINELIGIBLE EXPENSESvernight camps• Regular fees not applied to care of child

CUSTOMER SERVICE 1.800.532.3327HOW DO I OBTAIN MY ACCOUNT DETAILS? HOW DO I SUBMIT DOCUMENTS TO FLORES?WEBSITEVisit www.ores247.com andlog in using Parcipant ID orUser Name and passwordONLINEVisit www.ores247.com and upload documents securelyMOBILEDownload Flores Mobile smartphone app Available for Apple or Android devicesMAILFlores & Associates, LLCPO Box 31397Charloe, NC 28231FAX704.335.0818 or 800.726.9982MOBILE APPDownload our mobile app from your app store PID & PASSWORD ASSISTANCEDial 800.840.7684The content of this handout has been prepared by Flores & Associates, LLC for informaonal purposes only and does not constute legal or tax advice. This informaon is an interpretaon of selected porons of the Internal Revenue Code (IRC) as of 12/1/2018 and is subject to connual revisions.DEPENDENT CARE FAQsFREQUENTLY ASKED QUESTIONSHOW CAN I SUBMIT A CLAIM?Claims may be uploaded to your account on our parcipant website, www.ores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the ling deadline for the applicable plan year in which your expenses were incurred. HOW WILL REIMBURSEMENTS BE ISSUED?Reimbursements will be mailed as a check to your home address. If you would like to have your reimbursement issued as a direct deposit, you may add your direct deposit informaon on the parcipant website (www.ores247.com) or submit a completed Direct Deposit Informaon Form.WILL I HAVE A DEBIT CARD?No, there is no debit card associated with the Dependent Care FSA. This is considered a “No-Wait” account and, therefore, as long as you have a pending claim on le with us, we will automacally reimburse you each me you make a contribuon to your account.DO I NEED TO RE-ENROLL IN THE DEPENDENT CARE FSA?Yes, you must re-enroll with each new plan year. Elecons do not rollover from year to year.WHAT EXPENSES ARE ELIGIBLE TO BE REIMBURSED FROM THE DEPENDENT CARE FSA?Your Dependent Care FSA can reimburse you for day care expenses provided for your dependent that allow you (and your spouse, if applicable) to work. Care must be for a dependent child under the age of 13, or a dependent of any age that lives in your household and is incapable of self-care. See the Allowable Dependent Care Expenses Guide on our website (www.ores247.com) for further informaon.CAN I CHANGE MY ELECTION DURING THE PLAN YEAR?You may only change your annual elecon during the plan year if you have a qualifying status change event. You must nofy your employer within 30 days of any status change event in order to change your elecon. See the Allowable Status Changes Guide on our website (www.ores247.com) for further informaon.WHAT HAPPENS TO MY DEPENDENT CARE FSA IF I TERMINATE FROM THE COMPANY?Any expenses submied for reimbursement must be incurred prior to your terminaon date or the benet end date specied by your company. Claims must be submied prior to the claims ling deadline for the plan year during which you terminated. Please contact your Human Resource Department for further informaon.Revised 12/18

Allowable Dependent Care Expenses The DCFSA can reimburse you for daycare expenses provided for your dependents so that you (and your spouse, if you are married) can work. Care must be for a dependent child under the age of 13 or a dependent of any age that lives in your household and is incapable of self-care. This is a general listing of accepted items. Please check your company’s plan documents for specific exclusions. To verify if a certain expense is covered if it is not listed below, please call 1-800-532-3327. Expense Allowed? CommentsAer-school care or extended day programs (supervised acvies for children aer the regular school program).YesThese programs are generally custodial in nature althoughchildren may be supervised by qualied adults the primary purpose of the program is to care for children while parents are at work. Au pairYesWith the excepon of airfare and other xed costs as long as the expenses are within plan year.Babysier (inside or outside parcipants’ home)MaybeYes, unless babysier is child of parcipant (or spouse) under 19 years of age or is otherwise claimed as a dependent by the employee or spouse on their federal tax return. Also, the primary purpose must be to care for children while the parents are at work. Custodial or elder care expensesMaybeEligible to extent not aributable to medical services aslong as care is for legal dependent of parcipant.Educaonal Expenses –First Grade and aboveNoEducaonal Expenses – Kindergarten NoIf child aends ½ day kindergarten and ½ day daycare theexpenses may be prorated accordingly and the daycarecharges may be reimbursed. Educaonal Expenses –Nursery SchoolYesEligible as long as the primary purpose of the expense is custodial care so the parent can work. Most nursery schools (even Montessori) are custodial in nature.FICA and FUTA taxes of daycare providerYesFood Expenses MaybeYes, if included in daycare charges. No, if separate charge.Household services(housekeeper, maid, cook)MaybeYes, if primary purpose is custodial care and householdservices are incidental.

Expense Allowed? CommentsIncidental Expenses (Diaperor Acvies Fees)Maybe Yes, if included in daycare charges. No, if separate chargeMembership Dues/FeesNoNot even if necessary for child to parcipate in aer-school program. Only charges for actual aer-school care is reimbursable.Nanny Expenses Maybe See Au pair and Household Services expenses aboveOvernight camp expensesNoRegistraon fees MaybeGenerally ineligible as most registraon fees do not go toward care of child (example: registraon fee for nanny or au pair services). Will qualify if the fee must be paid in order to obtain care. However, the fee should not be reimbursed unl care is provided. Registraon fees that are forfeited because a dierent provider was selected are not reimbursable.Relave (when the relaveis the caregiver) YesAs long as the relave is not a dependent child under the age of 19.Sick-child center YesAs long as services are to provide care for child while parents work.Sick employee (care for achild while parent is sick) Maybe No, for long-term illness. Yes, for short-term illness. Summer day-camp MaybeEligible to the extent aributable to care for dependent regardless of whether the program includes instrucon for sports or other extra-curricular acvies. The primary purpose of the expense for summer day camp should be custodial and not educaonal.Transportaon expenses Maybe Yes, if included in daycare charges. No, if separate charge.TuionNoEducaon expenses for kindergarten and up are not reimbursable.800-532-3327 Fax: 800-726-9982

No-Wait Dependent Care FSAYou can submit ONE claim for a year’s worth of childcare expenses!Download a ‘No‐Wait Dependent Care Reimbursement’ claim form from www.ores247.com or obtain this form from your HR DepartmentComplete the claim form:a. Service Dates: put the entire period in which that provider will care for yourdependent. For example, if you will use the same childcare provider for all of2022, list 1/1/2022-12/31/2022 as your service dates.b. Dependent: List the dependent’s name receiving carec. Service Provider: List the name of the childcare provider and its 9-digit taxID#d. Cost: request the total amount you will pay for daycare services with thisprovider for the service dates listed on the form.To Substanate your claim you may EITHER:a. Ask your childcare provider to sign in the “provider signature” box to verify that you will incur at least the amount indicated on the form related to childcare expenses in 2022 ORb. Provide an itemized statement of charges related to your dependent care expenses.PLEASE REMEMBER THAT A NEW DEPENDENT CARE CLAIM FORM MUST BE SUBMITTED EACH NEW PLAN YEAR.123flores247.com800.532.33271218 S. Church StreetCharloe, NC 28203 Service Date From1/1/2022 12/31/2022Childcare Provider9 Digit Tax ID#Your Child’s Name 5,000.00Service ProviderTax ID#Service Date To DependentProvider Signature (Required If Receipt Not Aached)Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesSummary of CoverageDENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee$0.00Employee + Spouse$19.43Employee + Child(ren)$35.28Employee + Family$55.22Your CostCoverage Provided by Delta Dental In-NetworkAnnual Deductibles(Individual / Family)$50 / $150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)20% coinsuranceMajor Procedures(crowns, dentures, etc.)50% coinsuranceChild Orthodontics 50% coinsurance for children through age 18Lifetime Orthodontics Benefit $1,250Calendar Year Maximum Benefit $1,200Benefit Waiting Period12 months for Major Procedures24 months for Orthodontics

At a Glance: Delta Dental of North Carolina (DDNC)We are the state’s leading dental insurer, headquartered in Raleigh, NC.Now offering DeltaVision®!We deliver more overall savings than any other dental insurer. Last year, we saved North Carolinians $82 million with the Delta Dental Difference.We have the largest network of dentists across the state and the nation. Across North Carolina, our network is 37% larger than our next-closest competitor.As a not-for-profit entity, giving back is in our DNA.Delta Dental covers more than 89 million Americans nationwide.DDNC is a member of the Delta Dental Plans Association, which includes 39 member companies across the U.S. Each member is its own, stand-alone company.Key facts:VISIONTo be the leader in advancing oral health.MISSIONTo improve the oral health and the overall well-being of the communities we serve.

Mobile ID cardNo need for a paper card. View and share your ID card from your phone, and easily save it to your device for quick access, including Apple Passbook and Google Wallet.Find a dentistIt’s easy to find a dentist near you. Search and compare dental oces to find one that suits your needs. Save your family’s preferred dentists to your account for easy access.Dental Care Cost EstimatorFind out what to expect with our Dental Care Cost Estimator. Our easy to use tool provides estimated cost ranges on common dental care needs for dentists in your area, now with the option to select your dentist for tailored cost estimates. Save your preferred dentist for quick accessSave your favorite dentists using the Delta Dental Mobile App for quick access to contact information making it easy to schedule your routine cleaning.My claimsLook up detailed claims information for your dentist visits over the last 18 months. My coverageReview your dental policy coverage details such as deductibles, maximums, and other benefits.Delta Dental Mobile App featuresSign in to access the full range of tools and resources Secure access to your benefitsYou must sign in each time you access the secure portion of the mobile app. No personal health information is ever stored on your device. For more details on security, our Privacy Policy can be viewed by clicking the lock icon on the main menu.Please note information displayed may vary based on your particular coverage. For more information on your coverage, contact your Delta Dental company. “Delta Dental” refers to the national network of 39 independent Delta Dental companies that provide dental benefits and is a registered trademark of Delta Dental Plans Association.deltadental.comCopyright © 2022 by Delta Dental Plans Association. All rights reserved.

Delta Dental offers three dental networks to our customers. Visiting an in-network dentist offers deeper discounts and saves money: • The Delta Dental PPOTM networkoffers the most robust savings.• The Delta Dental Premier® networkis a fee-for-service program in whichdentists agree to a maximum allowedbillable fee.• The Delta Dental MedicareAdvantage network offers savingsto members through our MedicareAdvantage partnerships.Delta Dental offers dental and vision insurance:We offer flexible dental and vision benefit plans for employer groups of all sizes, and we also offer Medicare Advantage products through partnerships across the state.Individuals and families can purchase a dental plan through our online shopping site, www.mysmilecoverage.com/nc, through an agent, or by calling our customer service line. To learn more about DeltaVision®, visit www.deltadentalnc.com/deltavision. To businesses as part of their employee benefitsDirectly to individuals and families who need coverageAs a not-for-profit dental insurer, giving back is in our DNA. Through the Delta Dental Foundation (DDF), the philanthropic arm of DDNC, we provide financial support to programs and nonprofit organizations dedicated to improving the oral health and the overall well-being of communities across the state.Delta Dental of North Carolina • 3737 Glenwood Avenue, Suite 320 • Raleigh, NC 27612 • www.deltadentalnc.comInvesting in our communitiesThree robust dental networksDelta Dental products$1.4M+in grants since 2011$760,000+awarded through Smiles for Kids grant program, touching 452,000+ lives1211/23

Delta Dental Mobile AppManage your oral health anytime, anywhereGetting startedThe Delta Dental Mobile App is optimized for iOS (Apple) and Android devices. To download our app on your device, visit the App Store (Apple) or Google Play (Android) and search for Delta Dental Mobile App. Or, scan the QR code below. You will need an internet connection in order to download and use most features of our free app. Logging in to view benefitsDelta Dental members can sign in using the username and password they use to sign in to our website. If you haven’t registered for an account yet, you can do that within the app. If you’ve forgotten your username or password, you can also retrieve these via the Delta Dental Mobile App. SCAN TO DOWNLOADDELTA DENTAL MOBILE APPYour oral health is important to Delta Dental — and to your overall health! We’ve designed our mobile app to make it easy for you to make the most of your dental benefits. Maximize your health, wherever you are! Search for a dentist near you, view ID cards and more, right on your mobile device.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesSummary of CoverageCoverage provided by Delta Vision/VSP. In-NetworkVision Exam (Once per plan year) $10Lenses (once per plan year)Single $10Bifocal $10Trifocal $10Frames (Once per plan year) Up to $150 AllowanceElective Contact Lenses (Once per plan year) Up to $150 AllowanceMedically Necessary Contact Lenses Covered in full after copayVISIONOur vision coverage is provided by Delta Vision/VSP. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee$0.00Employee + Spouse$3.76Employee + Child(ren)$4.29Employee + Family$9.10Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesSummary of CoverageCoverage provided by MGIS ReliancePlan FeaturesCoverage Paid By Raleigh Pediatric AssociatesEmployee Benefit Amount1 x annual earnings rounded to the next higher $1,000Maximum Benefit Amount $150,000AD&D Benefit $150,000Benefit Reductions begin at age 65Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. GROUP LIFE and AD&D INSURANCE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesVoluntary life insurance is paid for by you. Employees must fill out an EOI form if they exceed the guaranteed issue amount or wait to enroll until after they are first eligible. Coverage provided by MGIS Reliance.VOLUNTARY LIFE and AD&D INSURANCESummary of CoverageLife Benefit EmployeeAmountIncrements of $10,000 up to the lesser of 5 x annual earnings or $500,000Minimum Amount $10,000Maximum Amount $500,000AD&D Amount Matches life amountGuarantee Issue (Newly Eligible Employees) $100,000Benefits Will Reduce By35% at age 6550% at age 70For the 2025 Open Enrollment Period, MGIS Reliance Matrix is allowing all eligible employees, spouses, and dependents to enroll on a guaranteed issue basis. This means you can enroll up to guaranteed issue amount without having to answer any health questions. A dependent is defined as unmarried dependent children from birth to age 21, or to age 25 if a full-time student. For summary of rate sheet, please see carrier summary. Cost is age-banded and based on employee’s age.Life Benefit Spouse DependentAmountIncrements of $5,000 up to the lesser of 50% of employee amount or $250,000Increments of $2,000 up to the lesser of 100% of employee amount or $10,000Minimum Amount $5,000 $2,000Maximum Amount $250,000 $10,000AD&D Amount Matches life amount Matches life amountGuarantee Issue (Newly Eligible)$25,000 $10,000

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesSummary of CoverageCoverage provided by MGIS ReliancePlan FeaturesCoverage Paid By Raleigh Pediatric AssociatesEmployee Benefit Amount 60% of weekly earningsMaximum Benefit Amount $1,000 per weekElimination Period (Accident) 14 daysElimination Period (Sickness) 14 daysBenefit Duration 11 weeksDisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. SHORT-TERM DISABILITY INSURANCE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesSummary of CoverageDisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. VOLUNTARY LONG-TERM DISABILITY INSURANCEFor the 2025 Open Enrollment Period, MGIS Reliance Matrix is allowing all eligible employees to enroll on a guaranteed issue basis. This means you can enroll without having to answer any health questions. You are considered totally disabled if you become unable to perform one or more of the actual procedures you were performing in the 12 months before your disabling event, based on CPT codes.Please note, a pre-existing condition period may apply once you become covered. Please see policy documentation for more information.Coverage provided by MGIS / ReliancePlan FeaturesCoverage Paid By EmployeeEmployee Benefit Amount 60% of monthly earningsMaximum Benefit Amount $5,000 per monthElimination Period After 9o days of total or partial disabilityBenefit Duration Enhanced SSNRA

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesVoluntary Benefits are offered through Colonial Life to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.Worksite BenefitsGAPWe offer two group medical bridge plans:Plan 1 - HDHP HSA Compliant• Hospital Confinement benefit• Wellness/ Health screening benefit Plan 2 - Traditional PPO (Non-HSA)• Hospital Confinement benefit• Complex Diagnostic procedures• Outpatient Surgical procedures• Wellness/ Health screening benefit• Medical Treatment PackageAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents.Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses.Individual Disability Income ProtectionProtects your paycheck and financial security if you are out of work longer than 90 days.• Helps to pay mortgage or rent, utility bills & other household expenses, food, clothing, and other necessities.• Provides disability benefits if you are involved in an accident or suffer an illness that results in a covered disability.Cancer InsurancePays lump-sum benefits that can help you protect yourself and your loved ones through the diagnosis, treatment, and recovery journey. The plan also pays a $100 Health Screening benefit (per covered person per calendar year) to encourage annual screenings – improving your chances of early detection and survival.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesVoluntary Benefits are offered through Colonial Life to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.Worksite Benefits, continuedIndividual Term Life InsuranceCoverage is available in 10-year, 15-year, 20-year, or 30-year options.Individual Whole Life InsuranceTwo plan options available for employee, spouse, and full-time dependent studentsAge 18-26: Paid-Up at Age 70 or Paid-Up at Age 100• Death Benefit of $5,000 to $500,000• Immediate Advance Claims Payment• Terminal Illness Accelerated Death Benefit• Surrender Options• Cash Surrender• Extended Term Insurance Option• Reduced Paid-Up Life Insurance OptionSee plan policy for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesOur EAP through VITAL WorkLife offers free, confidential assistance at no cost to you.• Unlimited phone support 24/7• Face-to-Face or Virtual Counseling sessions• Coaching Sessions• Online Resources• Articles• Website• Online Seminars• Guided Education ModulesOur EAP Provides Support For:• Grief• Anxiety/Stress• Problems with your children• Substance Abuse• Financial Counseling• Legal advice and referrals• And moreEMPLOYEE ASSISTANCE PROGRAM (EAP)Call: 800.383.1908 Or visit: VITALWorkLife.com Username: ncmsplan Password: ncmsplan

Nurture well-being, transform healthcareAs the top mental health and well-being expert in healthcare, VITAL WorkLife supports organizaons with innovave soluons leading the ght against professional burnout, life challenges and barriers to care. Our Employee Assistance Program (EAP) reimagines healthcare well-being at the intersecon of passion and profession.More than your ordinary EAPFor more than 40 years, we’ve oered a comprehensive suite of soluons designed to aid employee well-being, in every dimension inside and outside of the workplace. We believe in a whole-person approach to speak truth to sgma, dismantle barriers to access and reduce burnout—all beneng your boom line and contribung to posive paent outcomes.Nurse Peer CoachingOur nurse peer coaches serve as a condenal and knowledgeable sounding board for concerns such as:• Acve leadership and communicaon• Managing high stress• Dealing with grief and loss• Balancing work and family• Self-care and coping with stang challenges• Addressing bullying from sta“...it’s such a great learning experience to share informaon with others whose work histories may oer some striking parallels yet remain so dierent from my own”Registered nurse, mid-sized oncology clinicCondenal Counseling —at no added costCounseling is a free benet available to eligible employees and their family members. Short-term and soluon-focused, sessions focus on addressing current distress and can be in-person or virtual. In-the-Moment Support is also included for talking through issues, anyme—day or night.

The well-being of your people can’t wait.Scan the QR code to contact us.VITALWorkLife.comVITAL WorkLife is the leading mental health and well-being expert for healthcare organizaons and their workforce. We’ve focused on healthcare since 2007, and today our innovave soluons are leading the way in helping physicians, nurses and enre care teams address professional burnout, life challenges and barriers to seeking help.10-058-0724Organizaonal resourcesDisrupve Event Management (DEM) & Crisis Response, 24/7/365• Use for workplace accidents or other traumac events• Oers onsite support to anyone aected• Manage negave impacts to employee morale and producvity• Available with subscripon or as neededPerformance Based Referrals & Chemical Use Assessments • Support your leadership team• Address workplace concernsOther resources include:• Supervisor & Manager Support• Return-to-Work Coaching• Support for Grief and Loss• Formal ReferralsWell-Being Trainings oer custom training on a topic of your interest, or customizaon any of our current courses to meet your organizaon’s needs. Training topic examples:• Diversity and Inclusivity• Emoonal and Mental Health Well-Being for Leaders• Intergeneraonal Teams• Burnout and Compassion FagueTargeted soluon oerings to address your organizaon’s unique needsInteracve Screening Program from the American Foundaon for Suicide Prevenon is a web-based program that provide anonymous screenings for stress, depression and other mental health concerns. Individuals then get a personal response from a program counselor with what resources are available to them, and condenally communicate for further support.Customized Consulng for a variety of needs.• Unlimited phone consultaons• Counseling• Nurse Peer Coaching and Educator Peer Coaching• Parent Coaching• Career and Life Coaching• Legal Assistance• Financial Consultaon & Resources• Identy The prevenon & support• WINFerlity Support • Free Quicken WillMaker & TrustFull suite of well-being resources• Unlimited WorkLife Consultaons to help with child and adult care, educaon, health/wellness & daily life• Member website ○ 5,000+ arcles, assessments, online seminars, audio les, calculators, downloadables & more• Mobile app ○ Access resources, expert insights & videos, complete well-being assessments• 500+ online support groups; 65+ monthly online classesClient Success Resources• Dedicated Account Management Team• Targeted promoonal campaigns• Resource site with promoonal materials• Strategic, customized Guide to Client Success

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.2025 Manager Benefits GuideRaleigh Pediatric AssociatesEmployees are eligible for Raleigh Pediatric Associates’ 401(k) Plan after 1 year of service and working 1,000 hour in that year. We may contribute a percentage of your salary and profit sharing to your 401(k). You will receive more information regarding this benefit when you are closer to becoming eligible.401(k) PlanSummary of Coverage

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesCarrier ResourcesBENEFIT CARRIER GROUP #PHONE NUMBERWEBSITEMedicalNCMS Plan/BCBSNC14171957 888-206-4697 www.bluecrossnc.comDental Delta Dental 1245 800-662-8856 www.deltadentalnc.com EAP Vital WorklifeUsername & Password:ncmsplan800-383-1908 www.vitalworklife.com Healthcare FSADependent Care FSAFlores N/A 800-532-3327 www.flores247.com HSA HealthEquity N/A 866-346-5800 www.healthequity.com Worksite BenefitsColonial Life N/A 800-325-4368 www.coloniallife.com 401(k) AdministratorMVP Plan AdministratorsN/A 919-465-2220 www.mvpplanadmin.com 401(k) Financial AdvisorsIrongate Partners / Steve CogginN/A 910-791-1437 N/ALife Insurance & DisabilityMGIS Reliance Matrix / McKenna Francis20317641800-969-6447 x. 114www.mgis.com

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesHow to access ID and Bank CardsBENEFIT CARRIER HOW TO ACCESSMedical NCMS/BCBSNCHard copy ID cards are issued and mailed to your home address. Electronic copies can be accessed here: https://member.bcbsnc.com/blueconnect/web/registrationDental Delta DentalNo ID card is issued. Electronic copies can be accessed here: www.memberportal.com Vision Delta Vision No ID card is issued. FSA FloresHard copy bank cards are issued and mailed to your home address. If you’d like to request an additional card for a spouse or dependent, please request through the Flores portal: www.flores247.com Dependent Care FSAFloresNo ID card is issued. Flores will issue you a Participant ID number to help you manage your account on the Flores mobile app or website: www.flores247.com HSA HealthEquityHard copy bank cards are issued and mailed to your home address.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCMedical Insurance InformationDeductible: A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services rendered. FoFor example, a plan participant with a $5,000 deductible would be required to pay the first $5,000, in total, of any claims during a plan year.Copayment (Copay): A copay is a flat fee you pay upfront for doctor visits, prescriptions, and other healthcare services. It does not count toward your deductible. Coinsurance: On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill you pay and the percentage a health plan pays.Out-of-pocket Maximum (OOPM): An OOPM is the maximum amount (deductible and coinsurance) that you will have to pay for covered expenses under a plan. Once the OOPM is reached the plan will cover eligible expenses at 100 percent.Explanation of Benefits (EOB): An EOB is a description your insurance carrier sends to you explaining the health care benefits that you received and the services for which your health care provider has requested payment.Preferred Provider Organization (PPO): A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPOplan.High Deductible Health Plan (HDHP): An HDHP is a type of insurance plan that offers a low premium offset by a high deductible. Because of the low cost of the plan, the insurer will not cover most medical expenses until the deductible is met. As an exception, preventive care services are typically covered before the deductible is met. HDHPs are often designed to be compatible with heath savings accounts (HSAs), which are tax-advantaged accounts that can be used to pay for qualified out-of-pocket medical expenses before the HDHP’s deductible ismet.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCDental Insurance InformationAnnual Maximum: The total dollar amount that a plan will pay for dental care for an individual member or family member (under a family plan) for a specified benefit period, typically a calendar year.Assignment of Benefits: When a member authorizes the dental plan to forward payment for a covered procedure directly to a member’s dentist.Balance Billing: When a participating dentist bills a member for amounts indicated as not billable to the patient by Delta Dental. Participating dentists agree to accept the fee approved by Delta Dental as payment in full and cannot bill a member for any difference.Benefit Year: The 12-month period a member’s dental plan covers, which is not always a calendar year.Contracted Fee: The fee for each single procedure that a dentist has agreed to accept as payment in full for covered services provided to a member.Covered Service: A dental treatment for which payment is provided under the terms of a member’s dental plan.In-Network Dentist: A dentist who has agreed to be a part of Delta Dental’s network and accept pre-established fees for his or her professional dental services.Lifetime Maximum: The maximum amount a plan will pay over the course of a lifetime. It may apply to an individual or a family and typically applies to specific treatments such as orthodontic treatment.Maximum Plan Allowance (MPA): The amount set by Delta Dental that a Delta Dental Premier dentist has agreed to charge for a service. For Premier dentists, Delta Dental will pay at the MPA or the actual billed amount-whichever is less.Waiting Period: A period of time before a member is eligible to receive benefits for all or certain treatments. It typically applies to expensive services such as dentures or crowns.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCVision Insurance InformationFrames Allowance: Your allowance is the amount Delta Vision/VSP will cover for your frames or for lens enhancements. For frames, a typical allowance is $150. In that case if you choose frames that cost less than $150, you pay nothing. If you choose frames that cost more than $150, you’ll pay the difference. So, for frames that cost $170, you’ll pay $20 at the doctor’s office.Frequency: How often you can get an exam or eyewear with your VSP network doctor.Lens Enhancement: A lens enhancement or lens option is an elective feature for your prescription lenses designed to improve your overall experience with your glasses. They often improve your vision and/or comfort. Here’s a list of some common lens enhancements:• Scratch-resistant coatings - Reduces normal scratching and pitting on plastic lenses.• Impact-resistant, also referred to as polycarbonate lenses - A lens material that is impact and scratch resistant, light, thin and gives UV protection.• Anti-glare coating, also referred to as anti-reflective coating - Combats eyestrain from glare, reflections and in some cases blue light from digital devices. Protects lenses from scratches.• No-line multifocal, also referred to as progressive lenses - Lenses with multiple prescription zones for near, mid and long-range vision and no visible line separating these zones as you would see on a bi-focal.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Manager Benefits Guide2025 Raleigh Pediatric AssociatesThis page is intentionally blank

MANAGER BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2025Raleigh Pediatric Associates