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Employee Benefits GuidePlan Year: 2024-2025

Eligibility GuidelineWho Can You Cover?You can cover your spouse and legal dependents if they are:• Dependent Child: under the age of 26. They will lose coverage at the end of the month of their 26thbirthday. This does not apply to legally disabled children.• Spouse: Legal SpousesWhen Can You MakeChangesto Your Benefits?If you experience a qualifying life event that results in the gain or loss of insurance for yourself and/or your dependents, you must report it to HR within 30 days of the event.• Marriage or Divorce• Birth or Adoption• Death of spouse or child• Gain or loss of other coverage• Dependent child reaches age 26• Court judgement or decreeAre You Eligible?• Full-Time Employees: hired to work 30+ hours per week• Part-Time Employees: After 12 months if you average more than 130 hours per month, you become eligible for full-time benefits.Your benefits will begin on the 1st of the month following 30 days of full-time eligibility.Open Enrollment will occur every July/August. The benefits you elect during open enrollment will begin September 1.2024 OPEN ENROLLMENTJuly 29 – AUGUST 7Contact Information2Benefit Carrier Phone Website Policy # Page Eligibility KMOBurger 3Gravie - AetnaSignature AdministratorsDental Principal 1-800-986-3343www.principal.com1153980-10001 9Vision Principal 1-800-986-3343www.principal.com1153980-10001 9Group Life Principal 1-800-986-3343www.principal.com1153980-10001 10Voluntary Life Principal 1-800-986-3343www.principal.com1153980-10001 10Enhance Benefits:Accident, Disability, Lifewww.employeenavigator.com/Medical1-855-451-8365www.gravie.com/2023sbckmoburgerllc/JJFQH4Colonial1-800-325-4368www.coloniallife.comE603072011

Benefit policy numbers, summaries, links, flyersYou will receive an email to register for your new Employee Navigator portal. In the event you do NOT receive the email, or have misplaced the email, you can go directly to the Account Registration URL to access the enrollment portal via the link below:https://www.employeenavigator.com/benefits/Account/Register Company Identifier: KMOBurgerEmail & RegistrationFind all of your company resources in one place!How to EnrollYear-Round AccessYou will receive a text and email where you can view all of your Employee Benefits documents, including plan summaries, rates, and extras. This link can be shared and accessed by your family in helping you make your benefits elections.3

4MedicalNo change to rates or plans

Comfort is the nation’s first-of-its-kind health plan that provides 100% coverage on most common healthcare services at a cost comparable to or lower than traditional group health plans.With Comfort, there’s no confusion — you know exactly what’s covered, making it easy to use your health benefits without concern of surprise bills and hidden costs.Hi, we’re Gravie.We’ve partnered with your employer to bring you health benefits you can actually use.No-cost services include:• Preventive care• Primary care• Specialist visit• Urgent care visit• Labs & imaging• Generic prescriptions• Online care• Mental health care• And moreOther Services:• Emergency Room$250 copay• Brand name prescriptions$75 copay• Non-preferred brand name prescriptionsVaries per plan• Specialty prescriptionsVaries per plan• Hospital surgery/procedureNo cost after out-of-pocket maxGet care when you need it.“Having such good insurance that covers so much and so easily is huge for me.”Comfort MemberEmma hurts her ankle on a run. She visits her doctor for a check-up and an x-ray.Traditional plan: ~$450Sue takes a generic prescription daily.Traditional plan: ~$120 annuallyRoger is feeling under the weather. He visits the doctor for a check-up, and his doctor orders blood work.Traditional plan: ~$30 copay & ~$220 bloodwork5

Virtual ServicesGravie partners with health and wellness industry leaders to give members access to a suite of digital services that aim to enhance their health and wellness journey.Gravie health plan members have access to virtual care including general medicine, dermatology, and mental health (18+) through Teladoc Health, the world leader in whole-person virtual care. Mental health care includes clinical services such as psychiatry and therapy visits, as well as non-clinical services such as mental health coaching and digital programs.Cost sharing may apply depending on plan type. Check your benefits summary for more information.Gravie health plan members (13+) have access to Sword. Sword’sclinical-grade digital physical therapy program helps members overcome musculoskeletal (MSK) pain through personalized care from licensed physical therapists and innovative sensor-based technology. Unlike traditional physical therapy, members can access treatment wherever andwhenever it’s convenient.Gravie health plan members (18+) get unlimited access to FitOn’s library of 30K+ virtual classes, including cardio, HIIT, yoga, pilates, meditation, dance, and barre, as well as nutrition guides, meal plans, fitness coursesand challenges, and more. In-person fitness perks are available to qualifying members through Peerfit. Gravie’s fitness partner removes barriers that often prevent members from achieving a healthier lifestyle throughdiet and exercise.For many Gravie health plan members, these services are included at no additional cost.Value-added services are the cherry on top.6

Gravie Care advisors help you evaluate plan options, verify network coverage, locate providers, decipher EOBs and bills, and so much more.You are just a phone call or secure message away from someone who’s on your side, willing to go the extra mile to help you make the most of your health plan year-round.Call:855.451.8365Secure message:member.gravie.com/contactHealth benefits just got a whole lot easier.Let’s face it, the health insurance industry has a bad rap when it comes to customer service. Complicated bills, long wait times, and confusing jargon . . . we all avoid it if we can.Gravie is changing the narrative. We believe that health benefits are only effective when members understand how to use them, which is why Gravie Care is included with every plan.ProactiveThe Gravie Care team goes beyond fielding phone calls and answering questions — anticipating members’ needs, helping resolve issues before or as they arise, and closing cases in record time. Gravie equips brokers with relevant tools and reporting to help employers and their employees stay informed and supported throughout the year.Exceptionally usefulToday’s consumers expect more from their service providers.Gravie Care offers an exceptional recruitment and retention tool for employers with a service that exceeds employees’ expectations about their health benefits. With licensed insurance experts on speed dial, every employee will have access to helpful support when they have questions about bills, costs, network coverage, and beyond.Simply, better“The customer service is definitely better with Gravie versus your mainstream carrier.”Gravie Member%95Gravie CaresatisfactionGravie’s Customer Satisfaction Score is 95% compared to the industry average of 74%.7

1: Find free couponsCoupons work at virtually everyU.S. pharmacy. Prices may even beat your insurance!2: Show coupon to pharmacyText, email or print your coupon. No approval or paperwork needed.3: Save up to 80%Save on all your family’s prescriptions. Coupons work for refills too!Stop paying too much for your prescriptions….Compare prices, find FREE coupons, and save up to 80%.GoodRx is 100% FREE and is as easy as 1-2-3 to use:PLEASE NOTE: You have a choice to use your insurance OR the coupon, but you CANNOT use both. If you use the coupon, the cost of medication will not apply toward your deductible or max out of pocket.How do I find discounts for my prescriptions? It’s easy. Go to www.goodrx.com, type in the prescription name in the search field and click the “Find the Lowest Price” button. GoodRx will gather current prices and discounts to help you find the lowest cost pharmacy.How do I get my coupon?Select where you would like to fill your prescription and click on that pharmacy name and the coupon will generate on the next page.How do I use my coupon?It’s like using a coupon at a grocery store. Print, text, email, or just show it the coupon to the pharmacist when you pick up your prescription. They will enter the information into their system for the discount. REMEMBER this is not insurance!8Prescription Resources

9Group # 1153980-10001NetworkAnnual MaximumPreventive ServicesBasic ServicesEndodontics/PeriodonticsMajor ServicesOrthodontic ServicesProvider FinderOut-of-Network ReimbursementMax RolloverPeriodontal ProgramPayroll Deductions Employee Only Employee + Spouse Employee + Child(ren) Employee + FamilyWeekly $2.58 $5.34 $5.06 $8.12 $1,500 per personIf you receive dental care less than $750, $375 can be rolled over to the nextplan year, up to an additional rollover max of $1,500If you're pregnant or have diabetes or heart disease, you may receivescaling and root planing covered at 100% (if dentally necessary).Coinsurance rates will apply to the 90th percentile of Usual & Customary rates. Out-of-network dentists may bill you for charges above the amount covered by your plan.You Pay 0%You Pay 20% after DeductibleYou Pay 20% after DeductibleYou Pay 50% after DeductibleN/Awww.principal.com/dentistDPPOPrincipalDeductible(Individual/Family)Deductibles and Annual Max reset January 1$50 / $150Group # 1153980-10001NetworkExamStandard Plastic Lenses FramesElective Contact LensesContact Lens Fit &Follow UpProvider FinderPayroll Deductions Employee Only Employee + SpouseEmployee + Child(ren)Employee + FamilyWeekly $0.49 $1.01 $0.91 $1.53 15% discount (not to exceed $60)https://www.vsp.com/eye-doctor$25 Copay1 per 12 months, in lieu of contactsUp to $150 Allowance and 20% off balance1 per 12 monthsUp to $150 Allowance1 per 12 months, in lieu of lensesVSP$10 Copay1 per 12 monthsDentalVision

Voluntary Life/AD&D10KMO Burger provides you the opportunity to purchase additional life insurance paid by you through payrolldeductions if you want to supplement the basic life provided by the company.Group # 1153980-10001Employee Spouse Child$10,000 - $300,000 $5,000 - $100,000 Birth – 14 days: $1,000Not to exceed 5x salary Not to exceed employee 14 days – 26 years: $10,000In Increments Of $10,000 $5,000 N/AGuarantee Issue $100,000* $20,000* $10,000 Evidence of InsurabilityBenefit ReductionWaiver of PremiumPortabilityNotesWeeklyLess than age 29 $0.031 50-54 $0.16530-34 $0.034 55-59 $0.25635-39 $0.047 60-64 $0.38940-44 $0.069 65-69 $0.64145-49 $0.105 70+ $1.103Child Life & AD&D $0.462 per familyVoluntary Life and AD&D Rates Per $1,000 Benefit*Guarantee Issue if you are 70 or older is $10,000Spouse Rate is based on spouse's age, Rates increase at renewal if you age into a new bracketVoluntary Life and AD&DBenefit LimitsThe benefit will provide portability.If you are applying for a benefit amount that exceeds the guaranteed issue amount, or are applying outside the new hire period, you will be required to provide evidence of insurability. The benefit will waive your premium in the event you become disabled to the earlier of age of 65, retirement or recoveryAt age 65, your benefit will reduce to 65%, At age 70, your benefit will reduce to 50%

11Enhanced Benefits214-972-3436help@choosejoybenefits.comWith most Colonial Life plans:• Coverage is available for your spouse and eligible dependent children.• Benefits are payable directly to you unless you specify otherwise.• You can continue coverage when you retire or change jobs, with no increase in premiums.• You may receive benefits regardless of any insurance you may have with other companies.The following voluntary benefits are available:Accident helps offset covered out-of-pocket expenses related to accidents on or off the job.Critical Illness If you’re diagnosed with a covered critical illness Colonial Life can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery. Heart Attack, Stroke, Kidney Failure, Major Organ Failure, Permanent Paralysis due to covered accident, Coma, Blindness, Occupational Infectious HIV or Hepatitis B, C, D, Disability insurance can replace a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.Hospital Confinement (Medical Bridge) can help with medical costs associated with ahospital stay that your health insurance may not cover. Term & Whole Life insurance provides flat rates determined at the age the policy issues, with no age-bracket increases for the term level you choose: 10, 20 or 30 years, or Whole Life