Billy Howell Benefit Guide 101724 : simplebooklet.com

ContentsKey to our commitment is our Benefits Concierge, Maria Clinkscales. She is available to answer benefits questions and to help direct you to the right resources. Maria can help with questions about the enrollment process, qualified life events, lost ID cards or claims. Maria Clinkscales, Benefits Concierge Benefits@BrightlineDealer.com888-727-8124Mon – Fri, 8:30 AM – 5:00 PM CSTBilly Howell Ford recognizes the contributions made by each employee and strives to offer a comprehensive program of competitive benefits that will attract and retain the best people. Our goal is to provide employees with tools and resources to help with your decision-making and assist you in accessing care when you need it.ABOUT THE BENEFITS GUIDEThis Benefits Guide describes the highlights of the program in non-technical language. Your specific rights to benefits under the plan are governed solely, and in every respect, by the official Plan Documents, and not information in the Guide. If there is any discrepancy between the description of the program elements as contained in this Guide and the official Plan Documents, the language of the official Plan Documents shall prevail as accurate. Some or all elements of the benefits program may be modified in the future, at any time, to meet required regulations or otherwise as decided by the employer.GETTING STARTED2. Welcome3. Know Before You Go4. Eligibility & EnrollmentMEDICAL, PHARMACY & HSA 5. Medical and Rx Benefits6. Virtual Primary Care7. Over-the-Counter Solution8. Minute Clinic Benefit Services9. International Travel10. HSA11. Where to Access CareVALUE-ADDED BENEFITS12. Health Advocate – freshbeniesANCILLARY BENEFITS13. Dental14. Vision15. Basic and Voluntary Life and AD&D16. Voluntary Short Term and Long Term Disability17. Voluntary Critical Illness and Accident18. Voluntary CancerCOSTS19. Cost of CoverageTERMS20. Definition of common insurance termsENTOLLMENT INSTRUCTIONS21. Steps to EnrollIMPORTANT CONTACTS23. Contact InformationWelcome to Your 2024- 2025 BenefitsPage 2

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Know Before You GoBilly Howell Ford is partnering with Brightline Dealer Advisors as our broker for our employee benefits plans. Brightline offers a unique program to better serve you and your family. Some of these services are provided to you at no cost.Benefits Concierge – Maria Clinkscales – is here to help you!Maria is your white glove concierge to help answer any questions you have about our benefits plans. She is here to help you with enrollment questions or how to access a carrier’s website. She is a confidential resource dedicated to providing you and your family assistance when you need it. If you are unsure where to turn, start with Maria at Benefits@BrightlineDealer.com or call 888-727-8124.A Health Advocate is here to help you!As a value-added benefit, all employees will receive no cost services from our Health Advocate, through freshbenies. This valuable service is available to all employees and is no cost to use. Medicare Notice: If you and/or your dependent(s) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see REQUIRED NOTICES for more detailsREQUIRED NOTICESRegulations require that specific notices are provided to all plan participants of a group health plan. Please review the Notices to see how they may affect coverages for you and/or your family. To see the Notices, please click here OR SCAN THIS QR CODE →Medical – Aetna• The medical plan(s) utilize Choice POS II (CPOSII)network. Dental Coverage – Unum• The dental plan(s) utilizes the Unum network. Vision – Unum• The vision plan utilizes the EyeMed network. Group Life/AD&D Insurance – Unum• All employees will receive $25,000 coverage at no cost!Voluntary Life/AD&D Insurance – Unum• Employees are eligible to enroll their spouse andchild(ren) in Voluntary Life/AD&D only if they elect thecoverage for themselves.Short Term Disability Insurance - Unum• The Short Term Disability will pay up to 60% of yourearnings weekly when you are unable to work due to adisability.Long Term Disability Insurance - Unum• The Long Term Disability will pay up to 60% of yourearnings monthly when you are unable to work due to adisabilitySupplemental Benefits - Unum• Supplemental benefits are offered through Unum.• There are a various number of plans available to choosefrom to best suit your needsPage 3

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Who is Eligible?Full-time employees who work 30 hours or more per week are eligible to enroll in the benefits outlined in this Guide. In addition, the following family members are eligible to participate:• Your legal spouse• Your eligible child(ren) up to age 26 for medical, dental or visioncoverages (natural children, stepchildren, legally-adoptedchildren, and child(ren) for whom you are the court-appointedguardian); other coverages may have different age limits.• Physically or mentally disabled children of any age who areincapable of self-support. Proof of disability may be requested.New Hires You will become eligible for benefits the 1st day of the month following 60 days of employment. The benefits elected will be effective through October 31, 2025.Current EmployeesOpen Enrollment occurs each year; this is the time for you to make any changes. Benefits elected during Open Enrollment will be effective November 1, 2024 – October 31, 2025.Qualified Life Events• Marriage, Divorce, Legal Separation• Birth or adoption of a child• Change in child’s dependent status• Death of a spouse, child or other qualified dependent• Change in employment status or a change in coverage underanother employer-sponsored plan• Dependent loses eligibility due to ageHow to Make ChangesYour elections are intended to remain in place until the next open enrollment. If you experience a qualified life event, you must contact Human Resources within 30 days of the event.Enrollment RequirementsBilly Howell Ford will be utilizing the Employee Navigator system to enroll in benefits.Before beginning enrollment, please have all pertinent information available for both yourself and any dependent(s) you will enroll. Information such as dates of birth and Social Security numbers will be required, along with beneficiary designations. During the enrollment process, you will have the opportunity to add the dependents you want to be covered. Each benefit election is independent, meaning you can enroll dependents in certain benefits and not enroll them in others.Please remember that the elections you make must stay in place throughout the entire plan year unless you experience a Qualified Life Event. Instructions on how to enroll may be found at the end of this Guide.Eligibility and EnrollmentPage 4

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Medical BenefitsIn-Network4500 HSA 80/50 E CY V24CPOSII (PPO)(You Pay)9100 100/50 IntRX CY V24CPOSII (PPO)(You Pay)5000 100/50 CY V24CPOSII (PPO)(You Pay)Calendar Year Deductible (Indiv | Family) $4,500 | $9,000 $9,100 | $18,200 $5,000 | $10,000Coinsurance Percentage20% 0% 0%Out-of-Pocket Maximum (Indiv | Family) $7,500 | $15,000 $9,100 | $18,200 $7,500 | $15,000Preventive CareNo Cost - covered 100% No Cost - covered 100% No Cost - covered 100%Primary Care Visit | Specialist Visit$35 copay after deductible | $75 copay after deductible$0 copay | No charge after deductible$35 copay | $75 copayTelehealth Visit$0 copay after deductible $0 copay $0 copayUrgent Care20% after deductible $0 copay $75 copayEmergency Room20% after deductibleNo charge after deductible$300 copay + deductibleInpatient Hospitalization20% after deductibleNo charge after deductibleNo charge after deductibleDiagnostic Lab & X-ray 20% after deductibleNo charge after deductibleNo charge after deductibleOutpatient Facility Care20% after deductibleNo charge after deductibleNo charge after deductibleImaging (CT, PET, MRI)20% after deductibleNo charge after deductibleNo charge after deductibleOut-of-Network BenefitsCalendar Year Deductible (Indiv | Family) $10,000 | $30,000 $25,000 | $75,000 $10,000 | $30,000Coinsurance50% 50% 50%Out-of-Pocket Maximum (Indiv | Family) $20,000 | $60,000 $50,000 | $150,000 $25,000 | $75,000Rx Benefits (up to 30-day supply)Generic Rx$10 copay after deductible $0 copay $10 copayPreferred Brand Rx$50 copay after deductibleNo charge after deductible$50 copayNon-Preferred Generic/Brand Rx $100 copay after deductibleNo charge after deductible$80 copayPreferred Specialty Rx 20% after deductible up to $250No charge after deductible20% after deductible up to $250Non-Preferred Specialty Rx 40% after deductible up to $500No charge after deductible40% after deductible up to $500You have three medical options to choose from with Aetna. The plan options provide comprehensive health coverage for employees and dependent(s). The chart below highlights the benefits. Billy Howell Ford continues to contribute towards the cost of coverage for our employees and their families. For more detailed information, please see the Summary of Benefits and Coverage (SBC) found on the Employee Navigator site. All benefits accumulate on a calendar year basis and start over each January 1st Find a network provider:Go to www.aetna.com/dsepublic/#/contentPage?page=providerSearchLanding&site_id=dse&language=en Medical and RxPage 5

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Virtual Primary CareOn-demandcareAvailableto adults and children over 18months• Coughs, colds, flu and strep• Joint, head, and stomach pain• Infections (ear, sinus,skin, UTI)• Medication refillsMental health servicesAvailableto adults ages 18 and up• Anxietyand mood disorders• Depression screening• Medication management• Support with stress, life adjustments andconflict resolution• Sleep and related health behaviorsPrimary careservicesAvailableto adults ages 18 and up• Chronic illnesses (asthma, diabetes)• Sick care• Wellness and annualhealth assessment• Follow-ups from in-person visits• Medication adjustments and refillsSome visits cost as low as zero dollars*Get coordination of in-person care, when needed, to nearby MinuteClinic® locations** or in-network provider clinicsSchedule a virtual primary care visit quickly and easilyYou get to choose your provider and enjoy flexible appointments that work with your busy lifestyle.Get startedtodayScan the QR code or go to CVS.com/virtual-careto register and schedule an appointment.Page 6

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Over-the-Counter Health SolutionStaying healthier and feeling better just got more affordable. With the Over-the-Counter Health Solution (OTC Health Solution) benefit, your enrolled employees and their families (their plan’s members) get a $25 allowance every three months* to spend on hundreds of CVS®brand non-prescription health and wellness support products.Members get$100 per year on health and wellness productsMembers have three ways to use this benefit1. In Store– Shop OTC items at any CVS location. Give your name and date of birth when you checkout. To find the closest location, go to https://www.cvs.com/otchs/aetcommercialotc/stor elocator2. Online– Order online, 24/7, by visiting https://www.cvs.com/otchs/aetcommercialotc. Online orders must be sent by 11:5 9 PM ET to be processed the same day.3. Over the phone– Orders can be placed by calling 1-888-628-2770 (TTY: 711). They can talk to an agent Monday to Friday, from 9 AM to 8 PM local time. They’ll need their member ID to place the order.Createan acc ountMembers will need to provide an email address and their Aetna medical ID, including suffix.Use account log in to access the OTC Health Solution app. Find store locator, online order details, benefits and balance information,and more!Using the benefit in store1. The member goes to a participating location—They can use the catalog to find products that work with their benefit2. At the register, they give the cashier their full name and date of birth.3. The cashier will apply the allowance to their total.4. If there’s a remaining balance, they can use another form of payment tocomplete thepurchase.Page 7

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Minute Clinic Benefit ServicesThe MinuteClinic benefit gives members no- or lower-cost access to many covered MinuteClinic services. The following services are typically offered at most MinuteClinic locations. All services maynot beavailableat all locations.Services are subjectto change and availability.Services offered at no or lower member cost:*• A1c checks• Allergy symptoms• Earachesand infections• Gout• Mouth andoral conditions• Pink eye and styes• Yeastinfections• Minor burns• Splinter removal• Suture and stapleremoval• Acne• Chickenpox• Dermatitis,rash and skin irritations• Lice• Poison ivyand poison oak• Rosacea• Shingles• Swimmer’sear• Bronchitis andcoughs• Ear waxremoval• Flu-like symptoms• Mononucleosis• Nausea, vomiting and diarrhea• Upper respiratory infections• Bug bites andstings• Minor cuts,blisters and wounds• Sprains, strainsand joint pain• Tickbites• Athlete’s foot• Cold,canker and mouth sores• Impetigo• Minor psoriasis• Ringworm• Scabies• Sunburn• WartevaluationServices offered at no or lower cost thatmay include testing services sent to a third-party labat standardmember costsharing:*• Indigestion and heartburn• Sexually transmitted infections• Hepatitis C screening• Tuberculosis testing• Cholesterol screening, monitoring and treatment• Sore throat and strep throat• Urinary tract and bladder infections• Titers/immunity• Pregnancy tests• Diabetes screening, monitoring and treatment• High blood pressure screening, monitoring and treatmentServices offered at standard member cost sharing:*• Medicationadministered atvisit• Labs that are sent to a third-party lab• Prescriptions filled at the pharmacy• Mental health counseling (where available)*Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. Members enrolled in qualified high deductible health plans must meet their deductible before receiving covered non -preventive MinuteClinic services at no cost-share. However, such services are covered at negotiated contract rates. This benefit is not available in all states and on indemnity plans.Page 8

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International TravelEmergency care while traveling outside of the U.S.Of course, emergencies don’t wait for the right time or place. We cover emergency inpatient hospital care when medically necessary, around the world.If you’re hospitalized outside the U.S.If you need help and are outside the U.S., call 1-855-888-9046 (TTY: 711) or 959-230-8220 (TTY: 711).Ask for the Aetna Special Case Precertification Unit when you call.Our team will• Check if a hospital can treat you. Orwe’ll help you transfer to the closestfacility that can provide care.• Arrange for medical air ambulance transport with a participating provider, if needed (we must approve this in advance), and coordinatecoverage.Keep inmind:• You must need emergency care that can’t wait until you return to the U.S.• You’ll have to pay for services at the time of care.• We’ll need an itemized bill and receipt for all services. We don’t require a translation, but it’s helpful to have when we process your claim. Please include the following:— Provider name and address— Patient name— Member ID— Date ofservice— Type ofservice and diagnosis— U.S. dollar amount charged for eachservice10 tips for healthy travel1. Get enoughsleep.2. Stay hydrated and drink bottled water when outside of the U.S.3. Eat healthy meals.4. Have an exercise routine.5. Take breaks.6. Use hand sanitizer.7. Find out what vaccines you may need.8. Check with your mobile carrier to make sure you can call internationally, and pack extra batteries and chargers.9. Consider buying travel insurance for unexpected expenses, including health care.10.Tell your bank or credit card company you’retraveling.Page 9

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Those who enroll in the HSA Health Plan (and are otherwise eligible) have the option to open and contribute pre-tax funds into a Health Savings Account through Optum Financial. There are a lot of benefits to an HSA so consider adding the convenience and tax savings you can enjoy with a Health Savings Account.Health Savings Account (HSA)ANNUAL HSA LIMITS 2024 2025Individual Family Individual FamilyHSA Contribution Maximum$4,150 $8,300 $4,300 $8,550HSA Catch-up Contributions (55+)$1,000 $1,000HDHP Minimum Deductible$1,600 $3,200 $1,650 $3,300HDHP Max Out-of-Pocket$8,060 $16,100 $8,300$16,600HSA Advantages• Earns interest and you may invest your very firstdollar in nationally-recognized mutual funds• Stays with you and grows tax free, even if youchange jobs• Funds in the account stay invested and continueto grow year to year• Use HSA funds right away or save for retirement• Not time limit for reimbursements• Use HSA funds for retirement expenses withoutpenalty at age 65• No Required Minimum Distribution• Secure, easy-to-use online services to track youraccount balance, manage investments, andmoreHow Does an HSA Work?You contribute to the HSA with payroll deductions through your employer. The amount of pay that you put into an HSA won’t count as taxable income, so you’ll have immediate tax savings. Plus, your HSA accumulates investment returns. Your employer may also contribute to your HSA so long as total contributions do not exceed the IRS limits. Regardless of your age…• Contributions (by you OR your employer) are not taxable.• Investment earnings are not taxable.• Distributions are not taxable (as long as the funds are used for eligible expenses).Money goes in tax free, grows tax free, and comes out tax free.Page 10

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Virtual VisitA virtual visit allows you to see a doctor via your smartphone, tablet or computer.Common Issues Treated:Bladder infections, allergies, bronchitis, coughs/colds, diarrhea, pink eye, rashes, seasonal flu, sore throat, feverPrimary Care PhysicianGo to a doctor's office for preventive care. They can access your medical records, manage medicat ions, and refer you to a specialist, if needed.Urgent Care ClinicUrgent care is ideal for when you need care quickly, but it is not an emergency. Convenience Care ClinicVisit a convenience care clinic if you cannot see your regular doctor and your health issue is not urgent. These clinics are often inside stores.Common Issues Treated:Common infections, strep throat, poison ivy, vaccinations, pregnancy tests, earachesFree-Standing Emergency RoomFree-standing ER clinics treat most major injured, but not trauma or cardiac services. Often appear as an Urgent Care center, but if open 24 hours/day, typically that is considered a free-standing ER.Common Issues Treated:Large open wounds, sudden vision change, sudden weakness, major burns, spinal injuries, severe head injury, breathing difficulty, chest painHospital Emergency RoomThe ER is for life-threatening or very serious conditions that require immediate care. This is also when to call 911.Common Issues Treated:Minor and major injuries, no trauma or cardiac services, serious medical conditions may require transfer to hospitalCommon Issues Treated:Check-ups, preventive services, minor skin conditions, general health management, pregnancy, vaccinationsCommon Issues Treated:Strains, small cuts, minor burns, minor infections, minor broken bonesWhere to Access CarePage 11

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DentalPPO Plan(you pay)Calendar Year Deductible (Individual | Family)$50 | $150Calendar Year Maximum Benefit (per person)$1,000Preventive Services (2 cleanings per 12 months)Exams, cleanings, space maintainers, x-rays0% - no deductibleBasic Services Fillings, simple extractions, endodontics, periodontics, anesthesia20% after deductibleMajor Services Crowns, bridges, implants, dentures, inlays, onlays, occlusal guards50% after deductibleOrthodontia Services (children up to age 19) Not coveredRollover Benefits $250 per year up to $2,000 annual maximum*To receive this benefit one cleaning & exam must be completed annually and claims to remain below the $500 thresholdReasonable & Customary for Out-of-Network Benefits*Maximum Allowable Charge (MAC) of Usual & Customary which may result in higher out-of-pocket expenses if you choose a non-network dentistDental benefits are offered through Unum. This Dental PPO plan allows you to choose the dentist you want. Your costs will be less when you utilize the Unum network provider. All benefits accumulate on a calendar year basis and start over each January 1stFIND A NETWORK PROVIDER:1. Go to: unum.go2dental.com/member/dental_search/searchprov.cgiDentalPage 13

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Vision In-Network(you pay)Out-of--Network(you pay)Payment Amount for Exams $10 copay Up to $40Payment Amount for Lenses Single Bifocal Trifocal Lenticular $10 copay$10 copay$10 copay$10 copayUp to $30Up to $50Up to $70Up to $70Contact Lenses (in lieu of glasses) Standard Fitting & ExamSpecialty Fitting & Exam $0 copay$55 allowanceUp to $40Up to $40Elective Contacts $130 allowanceUp to $130Medically Necessary – (individuals whose vision cannot be corrected with glasses)$0 copayUp to $210Frames $130 allowanceUp to $91Frequency of Services: ExamsLenses / Contact LensesFramesOnce per 12 MonthsOnce per 12 MonthsOnce per 12 monthsOnce per 12 MonthsOnce per 12 MonthsOnce per 12 MonthsVision insurance helps pay the cost of eye exams and necessary lenses and frames, when prescribed The Vision plan through Unum utilizes the EyeMed network. All benefits accumulate on a 12 months basis from date of service.FIND A NETWORK PROVIDER:1. Go to: www.eyemed.com/en-us2. Select Find an eye doctorVisionPage 14

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You may purchase Voluntary Life and AD&D for yourself, your spouse and/or your dependent child(ren). You must elect coverage for yourself in order to elect for any dependents. Optional Life is paid for via payroll deductions on an after-tax basis. Cost is based on your age/your spouse’s age and the amount you elect. The enrollment counselor will have the costs for you.During your new-hire enrollment period, you may elect Voluntary Life and AD&D up to the Guaranteed Issue amount. Additional coverage requires an Evidence of Insurability form (medical questions). For late entrants or to increase your benefit amount, an Evidence of Insurability form (medical questions) is required. Approval is subject to medical underwriting. Please see the Employee Navigator system for information and the required form.Voluntary Life and AD&DEmployee Spouse Child(ren)Guarantee Issue $100,000 $15,000 $10,000Benefit Increments $10,000 $5,000 $2,000Maximum BenefitLesser of 5 x annual earning or $500,000Up to employee’s elect amount$10,000Age Reduction35% at age 6550% at age 7035% at age 6550% at age 70$1,000 limit from birth up to 6 months Beneficiary DesignationYour beneficiary is the person who will receive your Life and AD&D insurance benefits in the event of your death. It is important that your beneficiary designation be clear so that there will be no questions as to your meaning. You can change your beneficiaries at any time during the year. Employees who enroll when first eligible and are currently enrolled may increase their benefit by 1 increment level at Open Enrollment without having to complete an Evidence of Insurability form (medical questions).Basic Life and AD&DVoluntary Life and AD&DBilly Howell provides all full-time employees with Basic Life and Accidental Death & Dismemberment (AD&D) coverage at no cost through Unum. If the loss of life is the result of an accident, your beneficiary will receive double payment under this policy. The dismemberment provision has a scheduled payment of benefits to you for bodily dismemberment, such as loss of an arm or foot, loss of eyesight or hearing.Basic Life and AD&D EmployeeLife and AD&D $25,000Age Reduction35% at age 6550% at age 70Page 15

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Voluntary Short Term Disability Percentage of Income Replaced 60% up to $1,000 per weekElimination Period (before benefits begin) 14 days for accident & 14 days of illnessMaximum Benefits Duration Up to 11 weeksPre-existing LimitationsPre-existing conditions are not covered for 12 months from your effective date. A pre-existing condition means any injury or sickness for which you incurred expenses, received medical treatment, care or services, including diagnostic measures, or took prescribed drugs or medicines within the 3 months immediately prior to your effective date. Voluntary Long Term DisabilityPercentage of Income Replaced60% up to $5,000 per monthElimination Period (before benefits begin)90 daysMaximum Benefits DurationBenefits continue until you are no longer disabled or based on your normal retirement agePre-existing LimitationsPre-existing conditions are not covered for 12 months from your effective date. A pre-existing condition means any injury or sickness for which you incurred expenses, received medical treatment, care or services, including diagnostic measures, or took prescribed drugs or medicines within the 3 months immediately prior to your effective date. Disability insurance provides you with income protection should you become unable to work due to an injury or illness. With disability coverage, you receive a portion of your lost income. Short Term Disability provides coverage for disabilities that extend longer than the elimination period. Cost is based on your age and salary. Long Term Disability provides coverage for disabilities that extend longer than the maximum Short Term Disability benefit period. Cost is based on your age and salary.During your new-hire enrollment period, you may elect Long Term Disability coverage without having to provide evidence of insurability (EOI). If you decline this coverage and wish to enroll later, you will be considered a late entrant and will have to submit proof of good health; coverage may or may not be approved.Voluntary Long Term DisabilityDuring your new-hire enrollment period, you may elect Short Term Disability coverage without having to provide evidence of insurability (EOI). If you decline this coverage and wish to enroll later, you will be considered a late entrant and will have to submit proof of good health; coverage may or may not be approved.Voluntary Short Term DisabilityPage 16

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Voluntary Critical IllnessCoverage Amount $10,000 or $15,000For your Spouse or Child(ren) 50% of your coverage amountCritical Illnesses CoveredCoronary Artery Disease, End State Renal (Kidney) Failure, Heart Attach (Myocardial Infarction), Major Organ Failure Requiring TransplantCancers CoveredInvasive Cancer (including all Breast Cancer), Non-Invasive Cancer, Skin CancerProgressive Diseases CoveredAmyotrophic Lateral Sclerosis (ALS), Dementia (including Alzheimer's Disease) , Multiple Sclerosis (MS) , Parkinson's Disease, Functional LossAdditional Covered Conditions for your Child(ren)Cerebral Palsy, Cleft Lip or Palate, Cystic Fibrosis, Down Syndrome, Spina BifidaCritical Illness Insurance provides financial protection for an Insured by paying a lump-sum benefit if theInsured is diagnosed with a Covered Condition.Voluntary Critical IllnessVoluntary AccidentHow Accident Insurance worksIf you or covered family members are injured in a covered accident, Accident Insurance provides you a lump-sum amount to help take care of unexpected costs and protect your finances. Here’s how it works:•A set amount is payable directly to you, based on thetype of injury you or a covered family member has, thetreatment needed and the coverage you elected.•You can use the payment as you see fit — to help payfor doctor visits, ambulance fees, hospital bills andother out-of-pocket expenses your health insurancedoesn’t cover.•To help promote a healthy lifestyle, plans may alsopay a benefit when you get a covered health screeningtest.You can file claims online and easily track the statusof your claim.Page 17

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Voluntary CancerProtection for the treatment of cancer and 23 specified diseasesHere’s How ItWorks• Select the coverage that’s rightforyou and yourfamily• If diagnosed with cancer or aspecified disease, you file aclaim• A lump-sum cash benefit is directdeposited, or acheck is mailedand can be used however youwishProtecting Your FinancesYou’ve worked hard for your savings –don't letacancerdiagnosiswipethemout.•Protect your checking andsavings•Don’t dipintoyourHSA or 401(k)Meeting Your Needs•Coverage can includeyour dependents• Includescoverageforcancerand23specifieddiseases• Waiverof premiumafter90 dayswhendisabled due tocancer°• Coverageis renewableforlife;referto yourpolicy fordetailsThenumberof cancersurvivors in the U.S. is increasing, and is expected to jump to nearly22.1 million by 2030††The five-year relative cancer survival rate has improvedover the past several decades for most cancer types†THINK ABOUT THISEarly detection,improved treatments and access to care are factors that influence cancersurvival†After a cancer diagnosis,your life can become awhirlwindof doctor appointmentsand difficult decisions. Your finances don’t need to be added to yourlist of concerns. Cancer Insurancefrom Allstate Benefits can help you rest a little easier.Page 18

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Rates for Medical Coverage4500 HSA 80/50 CY V24 9100 100/50 IntRX CY V24 5000 100/50 CY V24Weekly Pay Period (52)Semi-Monthly Pay Period (24)Weekly Pay Period (52)Semi-Monthly Pay Period (24)Weekly Pay Period (52)Semi-Monthly Pay Period (24)Employee Only$58.06 $125.79 $44.13 $95.62 $68.89 $149.27Employee + Spouse$195.50 $423.58 $163.92 $355.16 $222.74 $482.60Employee + Child(ren)$178.32 $386.35 $148.94 $322.71 $203.50 $440.93Employee + Family$304.31 $659.33 $258.75 $560.64 $344.53 $746.49Rates for Dental CoverageDental PlanWeekly Pay Period (52)Semi-Monthly Pay Period (24)Employee Only$5.13 $11.11Employee + Spouse$10.07 $21.83Employee + Child(ren)$13.29 $28.79Employee + Family$19.74 $42.78Rates for Vision CoverageVision PlanWeekly Pay Period (52)Semi-Monthly Pay Period (24)Employee Only$1.59 $3.46Employee + Spouse$3.19 $6.91Employee + Child(ren)$3.59 $7.78Employee + Family$5.61 $12.15Cost of CoveragePage 19

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Benefits Concierge A resource for employees to answer questions related to enrollment, benefits, ID cards or logging into the insurance portals. Always a good starting point when employees need assistance.CoinsuranceYour share of costs of a covered medical service (typically after the deductible is met) and is calculated as a percent of the allowed amount for the service. For example, if your plan has a 30% coinsurance rate, the Carrier will pay 70% of the allowed amount while you pay 30% until you reach the Out-of-Pocket Maximum.CopaymentA fixed amount that you pay at the time of service. Copays are most common for doctor office visits, urgent care visits, emergency room, and prescription drugs. In some cases, you may be responsible for paying a copay as well as percentage of the remaining charges.Deductible (Ded)The amount you pay before the insurance carrier starts sharing the expense of your medical care. Major medical expenses such as inpatient/outpatient surgeries, MRIs, and CT scans typically apply to the deductible.Exclusive Provider Organization (EPO)An EPO is a type of insurance network where you may only obtain care in your network (except in emergency situations). Referrals are not required but you must stay in the network or services will not be covered. Explanation of Benefits (EOB)Commonly referred to as an "EOB.” This form explains how the insurance carrier processed your claim. It shows the billed charges from the provider, the network discount applied, and the resulting Negotiated Rate. ( Provider Charge - Network Discount = Negotiated Rate ) It shows how charges were applied to the deductible, copay or coinsurance and how much was paid and what you owe.Health Maintenance Organization (HMO) An HMO is a type of insurance where you have a designated Primary Care Physician who manages all of your care. In order to see a specialist, a referral is required from your PCP. No out of network benefits are available on an HMO. Health Pro – Health AdvocacyA valuable resource for employees who have escalated claims issues, billing problems or need detailed information on network providers. The Health Pro will analyze bills and EOBs, negotiate with providers, recommend lower cost drug options and can even make appointments for members. Health Savings Account (HSA)An individually-owned bank account available for those enrolled in an HSA-eligible health plan. It is triple-tax-advantaged so long as the funds are used for eligible medical expenses.In-Network ProviderA provider who has a contract with your health insurer or plan to provide services to you at a discount and have agreed to accept reduced fees for services provided to plan members. Using in-network providers will cost you less money. Negotiated/Contracted RateWhen a Provider (doctor, facility, pharmacy or hospital) contracts with an insurance carrier, they are considered In-Network. Part of the contract states that the provider will accept a lower payment (lower than what they normally charge) from the insurance carrier as payment in full. This lower payment is the Negotiated Rate.Out-of-Pocket Maximum (OOPM) The most you will pay for covered medical expenses during your deductible period and then coverage is 100% for the remainder of the year. Preferred Provider Organization (PPO)A PPO is a type of insurance network where you may choose to obtain care in or out of your network. If you choose to visit a "Preferred" or "In-Network" provider, your out-of-pocket expenses will be significantly less than if you visit a provider outside your network. Network providers agree to accept set, contracted rates as payment in full for their services in return for being part of the insurance carrier's Preferred Provider network.Pre-Authorization Some medical services and some prescriptions require a Pre-Authorization approved and on file before the treatment and/or medication is eligible under the plan. Please check to see if any upcoming services or Rx you need require this. Preventive CareMedical treatments performed with the intention of preventing a health issue. For example, vaccinations and age-appropriate screenings are typically considered to be preventive. TermsPage 20

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Step 1: Log InGo to www.employeenavigator.com and click Login• Returning users: Log in with the username and password youselected. Click Reset a forgotten password.• First time users: Click on your Registration Link in the email sent toyou by your admin or Register as a new user. Create an accountand create your own username and password.Company ID: BillyHowellStep 2: Welcome!After you login click Let’s Begin to complete your required tasks.Step 4: Start EnrollmentsAfter clicking Start Enrollment, you’ll need to complete some personal& dependent information before moving to your benefitelections.T I PHave dependent details handy. To enroll a dependent in coverage you willneed their date of birth and Social Securitynumber.Step 3: Onboarding (For first time users, if applicable) Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.T I Pif you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollment again by clicking “StartEnrollments”Steps to EnrollPage 21

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Step 8: HR Tasks (if applicable)To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!You can login to review your benefits 24/7Step 7: Review & Confirm ElectionsReview the benefits you selected on the enrollment summarypage to make sure they are correct then click Sign & Agree tocomplete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.T I PIf you miss a step, you’ll see Enrollment Not Complete inthe progress bar with the incomplete steps highlighted. Click on any incomplete steps to completethem.Click Save & Continue at the bottom of each screen to save yourelections.If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-downmenu.Step 6: FormsIf you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in thosedetails.Step 5: Benefit ElectionsTo enroll dependents in a benefit, click the checkbox next to thedependent’sname under Who am I enrolling?Below your dependents you can view your available plans and the costper pay. To elect a benefit, click Select Plan underneath the plan cost.Steps to Enroll ContinuedPage 22

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