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Benefit Booklet 2023

Colonial Life provides benefits that employees want for the unexpected moments in life Whether planning for retirement growing their families or saving for college they know an injury or illness won t derail their dreams Life is anything but expected That s why we re here Products Recuro Telehealth RX Plan Provides access to care through a virtual app that allows you to contact a lienced physican for care or for 90 of the generic drugs available on the market Allows you to extend your coverage to 9 family members Dental Insurance Provides coverage for a wide range of dental services from routine cleanings to root canals There are no waiting periods for preventive or basic services such as fillings and simple extractions Offers additional savings through a large national network of providers A Network Access Plan is available LearKnimttyorMeeollnolninee at KmellConoelo nciaolloLnifieal lcifoemnc com 704 907 3944

Making Advanced Healthcare Accessible info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

Your Trusted Partner IN DIGITAL HEALTH 3 Million Current members growing 5 Awards Innovation Grants Awards Acclaim HHS NIH Recognition Utilization 25 Utilization Member Satisfaction 94 Member Satisfaction Net Promoter Score 81 Net Promoter Score info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

NextGen Care Virtual Urgent Care 24 7 Acute Care Access 24 7 access to board certified doctors for treatment of common medical concerns with ongoing communication with your doctor all for 0 a consult Product Highlights Coordinated If needed urgent care can seamlessly transition to Recuro s ongoing virtual primary care to improve patient health and preempt future issues Convenient Patients can see a board certified physician wherever they are whenever they need it Personalized Patients receive treatment plans based on their unique needs and can ask follow up questions to their doctors after the visit free of charge 24 7 Access Electronic Prescription Ordering Multi Channel Options Consult Transcriptions info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

131K Minutes Did you know The average wait time for an urgent care consult is only 11 minutes Subject to provider listed availability Virtual Care Platform NEXTGEN CARE BENEFITS Product Details 24 7 Access Recuro physicians are available whenever our patients need them day or night Consult Transcription Consults can be recorded and transcribed allowing patients continuous access to information Multi Channel Options Live video phone and messaging options let each patient receive care the way they like Electronic Prescription Ordering Prescriptions are immediately sent to the patient s preferred pharmacy for easy pickup Conditions Treated Acne Rashes Allergies Cold Flu Cough GI Issues Ear Problems Fever Headache Insect Bites Nausea Vomiting Pink Eye Respiratory Issues UTI s Vaginitis And More info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

Integrated Benefits Prescription Benefit Medications for Less Cost Recuro s prescription benefit includes 0 copay medications for chronic conditions with home delivery and urgent care needs Product Highlights Prescription Benefit Card Medication Delivery Extensive List of Prescriptions National Pharmacy Network Easy to Use Member Portal Reduced Health Plan Costs Employer and health plan pharmacy expenditures are managed through a benefit that provides access to covered prescriptions at a PEPM rate Convenient Prescriptions Members can pickup urgent care medications from the pharmacy with a conveniently placed digital card or order ongoing medications by mail from the convenience of home More Favorable Health Outcomes Increased adherence to care plans and follow through on medication pickup due to 0 prescription copay model and ease of access info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

Virtual Care Platform NEXTGEN CARE BENEFITS Sample Medications Albuterol Amoxicillin Atorvastatin Benazepril Cephalexin Clindamycin Fluoxetine Lisinopril Metformin Prednisone Sertraline Sucralfate Product Details Prescription Benefit Card Digital card that can be presented when picking up urgent care medications at a member s local pharmacy Broad Prescription List Access to approximately 65 generic urgent care prescriptions at no cost to the member Home Medication Delivery Mail order pharmacy for home delivery of covered chronic care medications Extensive Pharmacy Network This benefit is accepted at over 70K retail pharmacy locations across the U S Easy to Use Member Portal An integrated member portal allows users to easily request home delivery of prescriptions 95 Did you know Recuro s Prescription Benefit includes 95 of the top 200 most prescribed maintenance medications for the most common conditions info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

Recuro Health Standalone Pricing See to the right for all the products offered for standalone pricing options Utilization Threshold 30 If the contracted Utilization Threshold is exceeded then a fee for service will apply be due for consultations provided to Members in excess of the Utilization Threshold T EL EM ED I C IN E V I RT U A L U RG E N T C A RE 24 7 Access 0 Consult fee Family Coverage Integrated prescriptions Assumes 30 utilization threshold rate adjusted annually P R ES C R IP T IO N BEN EF IT 0 copay acute care formulary Broad Prescription List Access to approximately 70 generic prescriptions at no cost to the member Prescription Benefit Card Easy to use in app card to present at pharmacy pickup 309 N Washington Ave Suite 13 Bryan TX 77803 www recurohealth com 844 979 0313

Recuro Health Thank You Contact Us Colby Thatcher Sales Director Colby Thatcher recurohealth com 813 955 5094 Raleigh North Carolina Headquarters 309 N Washington Ave Suite 13 Bryan TX 77803 www recurohealth com info recurohealth com 844 979 0313 www recurohealth com Scan QR Code

Dental Insurance Plan 4 2 000 100 80 50 For more information talk with your benefits counselor ColonialLife com Dental insurance from Colonial Life can help preserve your smile with easy to use coverage that promotes overall wellness Benefits can help with a variety of dental costs from routine cleanings to more advanced procedures Coverage is available for you your spouse and dependent children Plan details The benefit year maximum for this plan is 2 000 Class A B and C services apply toward the benefit year maximum This plan has a deductible of 50 per person Families only pay the deductible for a maximum of three people Applies only to class B and C services The co insurance for this plan is CLASS Class A Class B Class C TYPE OF SERVICE Preventive services Basic services Major services INSURANCE PAYS 100 80 50 Network Our national dental network offers more than 323 000 access points 1 Members may choose any dentist but may receive additional savings by choosing an in network dentist Plus services not covered by this plan may also still be eligible for in network savings 2 Out of network benefits are paid at the network negotiated rate 3 To locate a participating dentist access the provider search at ColonialLife com See reverse for covered procedures and waiting periods IDN8000 PLAN 4

ColonialLife com Covered procedures and waiting periods Preventive services Class A No waiting period Routine exams and cleanings twice every 12 months One additional cleaning per 12 months if member is in second or third trimester of pregnancy4 X rays Bitewing X rays up to four films once every 12 months Full mouth panoramic x rays once every five years Children s services up to age 14 Fluoride treatment once every 12 months Sealants once every 36 months Space maintainers up to age 14 once every 24 months Adjunctive pre diagnostic oral cancer screening for age 40 or older once every 12 months Basic services Class B No waiting period Simple restorative services fillings Simple extractions Emergency treatment Repair of crown denture or bridge Major services Class C 12 month waiting period Oral surgery extractions and impacted teeth Anesthesia subject to review covered with complex oral surgery Periodontics gum treatments Endodontics root canals Inlays and onlays Crowns Bridges Dentures Endosteal implants in lieu of an approved three unit bridge 1 Internal data 2017 Access points are sites where network dentists see patients Some dentists may be available at more than one access point 2 Not an insured benefit 3 If you visit an out of network dentist you may be billed for remaining amounts over the benefit amount paid up to the billed charge 4 Member may have one additional periodontal maintenance in lieu of an additional cleaning Periodontal maintenance is a major service and subject to a 12 month waiting period The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability 2018 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company Underwritten by Colonial Life Accident Insurance Company Columbia SC 1 18 101839

Individual Dental PPO Insurance Vision Rider Dental insurance offers an optional vision rider to help pay for eye exams and materials such as glasses and contact lenses This coverage can help you maintain healthy vision and overall wellness as well as provide valuable financial protection for you your spouse and dependent children Vision benefits IN NETWORK OUT OF NETWORK ALLOWANCE CO PAYS Exam once per 12 months 10 Up to 35 Materials 25 See below STANDARD PLASTIC LENSES1 once per 12 months For more information talk with your benefits counselor Single vision Covered by co pay Up to 25 Bifocal Covered by co pay Up to 40 Trifocal Covered by co pay Up to 50 Lenticular 80 allowance Up to 50 Progressive 80 allowance Up to 40 Polycarbonate lenses for children to age 19 Covered by co pay N A FRAMES1 once per 12 months Choose any frame available at provider locations 120 allowance Up to 50 CONTACT LENSES2 once per 12 months Includes fit follow up and materials In lieu of eyeglass lenses and frames Elective Up to 120 allowance Up to 100 allowance Medically necessary Up to 120 allowance Up to 210 allowance Freedom of choice ColonialLife com You ll have access to a national vision network that includes independent optometrists ophthalmologists and retail stores including Walmart Sam s Club Optical Costco 3 Pearle Vision and Target Additional vision benefit advantages Eye exams and materials frames lenses can be purchased from different locations and providers For example you could have an eye exam with your favorite eye care professional and order contacts online Check the network for Value Added and Service Plus providers They can provide special discounts for extra purchases of lenses and coatings frames contact lenses and other products IDN8000 VISION RIDER

Special discounts on material purchases4 Providers identified as Value Added or Service Plus in our online provider directory offer the following additional values for our members on vision material purchases We encourage you to contact your selected provider prior to visiting their location to confirm their continued participation Not all providers such as Walmart Sam s Club and Costco Optical 3 choose to participate in these special discounts Value Added providers DISCOUNTS FOR FIRST PAIR OF GLASSES Lens options add ons for insured purchases UV coating 15 Polarized 75 Standard polycarbonate 40 Solid tinting gradient tinting 15 Transition 75 Standard scratch resistance coating 15 Progressive lenses Standard 110 Premium 170 Ultra member receives a 20 discount High index single vision 1 56 1 60 60 1 66 20 discount Standard anti reflective coating 45 Premium anti reflective coating 70 Ultra anti reflective coating 20 discount High index multi focal 1 56 1 60 75 1 66 20 discount PURCHASE A SECOND PAIR OF GLASSES AND RECEIVE PREFERRED PRICING Lenses Single vision plastic lenses 40 Trifocal lenses 70 Bifocal plastic lenses 60 Progressive lenses standard 110 Progressive lenses premium and ultra 20 discount DISCOUNTS ON FRAMES CONTACT LENSES AND OTHER PRODUCTS Frames Up to 35 discount Contact Lenses 5 15 discount depending on type Other products 20 discount on non prescription sunglasses and other ancillary products solutions5 Service Plus providers RECEIVE UP TO A 20 DISCOUNT FOR THE FOLLOWING ADD ONS TO INSURED PURCHASES UV coating Solid tinting gradient tinting Standard scratch resistance coating Standard anti reflective coating Premium anti reflective coating Transition Standard polycarbonate 1 Eyeglass lenses and frames are paid in lieu of the contact lenses benefit 2 The contact lenses benefit is paid in lieu of eyeglass lenses and frames Contact lenses consist of three components materials exams and fittings Coverage is for materials and the exam up to the contact lenses allowance Fittings may be covered but only up to the amount of any unused contact lenses allowance after materials 3 Optometrists at Costco Optical outlets are independent of Costco and may not be in network To verify that your vision exam will be fully covered after co pay confirm that your doctor is an in network provider Special payment and reimbursement terms apply for material purchases at Costco Additional discounts are not applicable ColonialLife com 4 Not a covered benefit These schedules are subject to change without notice Added value discounts may not be available in all geographical areas and vary by network Many providers are not able to offer discounts on Prestige frames Special lens packages that combine numerous lens enhancements at value price points are not covered by these added value programs Cannot be combined with any other promotions or discounts 5 Some retail chains sell sunglasses in departments outside of their optical shops where discounts do not apply The policy or its provisions may vary or be unavailable in some states The policy had exclusions and limitations which may affect any benefits payable See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability 2018 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company Underwritten by Colonial Life Accident Insurance Company Columbia SC 1 18 101851

Dental PPO Member Guide Dental insurance coverage provides valuable protection for both your smile and your wallet Below is information to help use the plan USING THE DENTAL VISION NETWORKS The name of the dental network is DenteMax Plus AlwaysCare 1 The name of the vision network if applicable to your coverage is First Look Find a network provider by visiting ColonialLifeDental com ID CARDS ID cards are mailed to your home address within 10 business days of enrolling Only the main insured s name will be listed Included with your ID card is a list of the eight nearest network providers based on your home address Vision coverage if purchased includes a separate ID card Below are samples of ID cards and the mailing envelope they are sent in 8485 Goodwood Boulevard Baton Rouge LA 70806 7878 DOWNLOAD THE ALWAYSASSIST MOBILE APP AlwaysAssist makes it simple to access your dental and vision benefits information You can View benefits claim status ID cards and more Find the app in the App Store or Google Play or visit the website ColonialLifeDental com Register using your Social Security number or member ID which can be found on your ID card IMPORTANT Your insurance documents are enclosed CLA OE WIN 9 18 DENTAL ID Card E L P M SA Policyholder Name Member Claims No XXXXXXX Cov Code D Policy No XXXXXX Eff Date 02 01 2022 Plan SCA Network PPO DenteMax Plus AlwaysCare Deductible 50 per benefit year Payor ID STR01 Underwritten by Colonial Life Accident Insurance Company HOW TO USE YOUR DENTAL BENEFITS Scan this code or go directly to ColonialLifeDental com to access AlwaysAssist E L P AM Register and manage your account at AlwaysAssist com Request pre treatment estimates for all services over 300 Member Customer Service 888 400 9304 Provider Services 855 400 9330 Faster claims processing is available for network providers at AlwaysAssist com S Mail claims to Dental Claims Department P O Box 80139 Baton Rouge LA 70898 0139 10 18 NS 15928 1

CLAIMS Pre treatment Estimates We recommend that your provider submits this when treatment is expected to exceed 300 A claims examiner will review the treatment plan in advance and advise how the plan will pay so you know what your cost will be CUSTOMER SERVICE Our dental customer service team is available to answer your questions Claim Forms Most providers will file claims on your behalf but if you do need to submit your own claim you can find the forms you need on ColonialLifeDental com Monday Friday 8 a m 8 p m ET Saturdays 10 a m 4 p m ET Their phone number is 888 400 9304 Need assistance not related to dental Visit ColonialLife com 24 7 or call customer service at 800 325 4368 1 In Louisiana and Mississippi the name of the dental network is DenteMax AlwaysCare No benefits will be paid for replacement of teeth missing prior to the effective date of coverage Underwritten by Colonial Life Accident Insurance Company Columbia SC 2021 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company ColonialLifeDental com FOR EMPLOYEES 9 21 818100

Dental Network More choices greater savings Save more by visiting a network dentist With dental insurance from Colonial Life you ll have access to a nationwide network of more than 323 000 access points1 You can visit any dentist but you ll stretch your benefits by selecting from our DenteMax Plus AlwaysCare network of dental professionals 323 000 dental access points1 How much can you save Dental costs vary from region to region but our dental members everywhere benefit two ways Discounted fees for in network services Insurance coverage of up to 50 80 or even 100 For more information talk with your Colonial Life benefits counselor Our members also receive in network discounts to help offset dental expenses like routine cleanings and X rays as well as major expenses such as implants crowns and oral surgery In network savings2 DENTAL PROCEDURE ColonialLife com AVERAGE COST RANGE MEMBER OUT OF POCKET COST Periodic oral exam3 40 50 0 Adult cleaning3 74 87 0 Four bitewing X rays3 50 62 0 Crown porcelain ceramic 1 000 1 195 425 508 Root canal therapy back tooth 1 015 1 095 432 465 IDN8000 DENTEMAX ALWAYSCARE NETWORK

95 Overall dental and vision member satisfaction4 Using our dental network is easy Our DenteMax Plus AlwaysCare network gives you access to top dental professionals in your area making it easy to locate a dentist who s right for you Refer to the document that came with your Colonial Life dental ID card to see a list of dentists closest to you Click on the dental provider search tool on ColonialLife com Consult the AlwaysAssist mobile app Confirm that your dentist is in network by having the office verify participation in the DenteMax Plus AlwaysCare network prior to your appointment Remember claims forms are not needed for in network dentists Extended customer service hours ET Monday Friday 8 a m 8 p m Saturday 10 a m 4 p m ColonialLife com Online self service is available 24 7 at ColonialLife com We welcome provider referrals Email ReferAProvider ColonialLife com to request that your dentist be added to our network 1 Internal data 2017 Access points are sites where network dentists see patients Some dentists may be available at more than one access point 2 Savings based on in network discounts and covered benefits This is just an illustration Eligibility for entitlement to and amount of actual benefits will be determined according to the terms of your dental policy Based on Colonial Life internal data 2016 and average cost ranges from one ZIP code 70806 After enrollment use the Dental Cost Estimator on AlwaysAssist com for information specific to your ZIP code 3 Dental insurance usually pays 100 for these services Plans and benefits may vary 4 Starmount AlwaysCare Benefits 2017 Customer Satisfaction Survey 2017 2018 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company Dental plans are underwritten by Colonial Life Accident Insurance Company Columbia SC 1 18 101841

Policyholder Service Guide At Colonial Life our goal is to give you an excellent customer experience that is simple modern and personal Getting started Consider your options The easiest way to manage your business with us is through the My Colonial Life policyholder section of ColonialLife com Whether online or by phone we ll provide the service you need To sign up for the website 1 Visit ColonialLife com 2 Click Register at the top right 3 On the sign up page click Join the Policyholder Website Need ColonialLife com Submit your claim using our eClaims system 3 File health screening wellness and doctor s office visit claims up to 18 months 3 3 Check the status of your claim 3 3 Review print or download a copy of your policy certificate 3 Access claim and service forms 3 3 Access your claim correspondence 3 3 3 Complete a notification for a life claim 3 3 Update your contact information After providing some basic information you ll be ready to go 800 325 4368 Filing claims eClaims With the eClaims feature on ColonialLife com you can file claims online by simply answering a few questions and uploading your supporting documentation You re able to spend less time on paperwork and we re able to process your claim faster With eClaims you can file most claims online including Accident Hospital confinement indemnity Disability Critical illness Cancer Vision You can access eClaims through your computer or mobile device and upload any required supporting documentation Once you re logged in to ColonialLife com visit the Claims Center and select File an Online Claim to get started

Contact us Online ColonialLife com Log in and click on Contact Us to email us Telephone 1 800 325 4368 Contact Center representatives are available Monday through Friday 8 a m to 8 p m ET Information is available 24 7 through our automated phone system Please have your Social Security or policy number ready when you call Hearing impaired customers Customers with a Telecommunications Device for the Deaf TDD should call 803 798 4040 If you do not have a TDD call Voiance Telephone Interpretation Services at 844 495 6105 to reach us Health screening wellness claims The quickest way to receive the applicable benefits for your health screening wellness services is to file online For health screening wellness claims within 18 months of the date you are filing the claim click on File a Wellness Claim Online on the Claims Center page If you do not want to file online you can use the automated customer service center at 1 800 325 4368 For health screening wellness claims over 18 months you ll be directed to print out a paper claim form under the claims and service forms section on the Claims Center page Paper claims If you don t want to file online download the form you need by visiting the Claims Center page on ColonialLife com and clicking on claims and service forms For instructions on how to correctly complete your claim form view the claims videos on the Claims Center page Be sure that you complete all sections of the claim form Also include a diagnosis from your doctor along with copies of any appropriate bills if required Keep a copy of your claim information for your records When we receive information regarding your claim you ll be notified by telephone or email If you select the electronic messaging option you ll receive a call when the claim is processed Claim tips and information When submitting your claim make sure to include all required supporting documentation as this will allow us to process your claim quicker To view correspondence pertaining to your claim visit ColonialLife com Once you log in to your secure account select My Correspondence from the home page Whether you submit your claims online or by paper form you can select optional services that authorize us to Communicate claims information via electronic messaging to your phone number Send claim benefits overnight by deducting a fee from your claim payment Release information to your benefits representative plan administrator or family member You can always check the status of your claim on the My Colonial Life site at ColonialLife com ColonialLife com Applicable to vision rider on the individual dental plan 2016 Colonial Life Accident Insurance Company Columbia SC Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 4 16 43233 37