STEP AHEAD ABA EMPLOYEE BENEFITS GUIDE : simplebooklet.com

* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 1 of 6 Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: Beginning On 01/01/2024 - 12/31/2024 Sana Benefits Plan C90 Coverage for: Individual + Family | Plan Type: PPO Plus RBP The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-833-SANA-123. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at http://www.healthcare.gov/sbc-glossary or call 1-800-444-3272 to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? $9,000 individual/ $18,000 family Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Are there services covered before you meet your deductible? Yes. Preventive care services are covered before you meet your deductible. Other services are covered but are subject to coinsurance, copayment, and/or deductible. This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles for specific services? No You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. What is the out-of-pocket limit for this plan? $9,100 individual/ $18,200 family The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the out-of-pocket limit? Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services, and health care this plan doesn't cover. Even though you pay these expenses, they don't count toward the out–of–pocket limit. Will you pay less if you use a network provider? Not Applicable This plan does not use a provider network. You can receive covered services from any provider. Do you need a referral to see a specialist? No You can see the specialist you choose without a referral.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 2 of 6 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Common Medical Event Services You May Need What You Will Pay Limitations, Exceptions, & Other Important Information If you visit a health care provider's office or clinic Primary care visit to treat an injury or illness $25 copayment, deductible does not apply Cost-sharing waived if accessing a Sana approved Direct Primary Care provider or a Sana Care Partner. Specialist visit $50 copayment, deductible does not apply Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Preventive care/screening/ immunization No charge, deductible does not apply You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for. If you have a test Diagnostic test (x-ray, blood work) 50% coinsurance Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Imaging (CT/PET scans, MRIs) 50% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.sanabenefits.com Generic drugs $10 copayment – 30-day retail, $20 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Preferred brand drugs $30 copayment – 30-day retail, $60 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Non-preferred brand drugs $55 copayment – 30-day retail, $165 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Specialty drugs $55 copayment – 30-day retail, deductible does not apply Limited to a 30-day supply (retail). If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) 50% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Physician/surgeon fees 50% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 3 of 6 service. Cost-sharing waived if accessing a Sana Care Partner. If you need immediate medical attention Emergency room care $200 copayment, deductible does not apply Copay waived if admitted. If you receive services in addition to an emergency room care visit, additional deductible, or 50% coinsurance may apply e.g. surgery. Emergency medical transportation 50% coinsurance None. Urgent care $25 copayment, deductible does not apply If you receive services in addition to an urgent care visit, additional deductible, or 50% coinsurance may apply e.g. surgery. If you have a hospital stay Facility fee (e.g., hospital room) 50% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Physician/surgeon fees 50% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. If you need mental health, behavioral health, or substance abuse services Office Visits $50 copayment, deductible does not apply Includes marriage/family therapy/counseling and all psychiatry, psychology, and psychotherapy office visits. Cost-sharing waived if accessing a Sana Care Partner. Other outpatient services 50% coinsurance Includes intensive outpatient programs and outpatient partial hospitalization programs. Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Inpatient services 50% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you are pregnant Office visits No charge, deductible does not apply None Childbirth/delivery professional services 50% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). Childbirth/delivery facility services 50% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 4 of 6 Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). If you need help recovering or have other special health needs Home health care 50% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Rehabilitation services $25 copayment – physical and massage therapy visits, deductible does not apply, 50% coinsurance – all other therapy visits Preauthorization is required except for physical therapy and massage therapy. Failure to obtain preauthorization may result in benefits reduced by 100%. Limited to 30 visits/treatment, 60 visits/year, except for speech therapy and applied behavioral analysis (ABA) therapy. Habilitation services $25 copayment – physical and massage therapy visits, deductible does not apply, 50% coinsurance – all other therapy visits Preauthorization is required except for physical therapy and massage therapy. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Limited to 30 visits per year for Occupational Therapy and Physical Therapy. Skilled nursing care 50% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Limited to 100 visits per member per calendar year. Durable medical equipment 50% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Hospice services 50% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 5 of 6 Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.) ● Cosmetic Care ● Dental Care (Adult or Pediatric) ● Custodial Care ● Foreign Travel ● Hypnosis ● Long-Term Care ● Self-Inflicted ● Non-Surgical Care of The Foot ● Illegal Acts ● Private Duty Nursing ● Experimental Procedures ● Care When Traveling Outside the US ● Out-of-Network Pharmacies ● Routine Eye Care (Adult or Pediatric) Other Covered Services (Limitations may apply to these services. This isn't a complete list. Please see your plan document.) ● Chiropractic Care ● Massage Therapy ● Acupuncture ● Hearing Aids ● Infertility ● Spinal Fusion Procedures Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596. Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information on how to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: 1-833-SANA-123 Does this plan provide Minimum Essential Coverage? Yes Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit Does this plan meet the Minimum Value Standards? Yes If your plan doesn't meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace. Language Access Services: Spanish (Español): Para obtener asistencia en Español, llame al 1-833-SANA-123

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 6 of 6 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. ■The plan's overall deductible $9,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 50% This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost $11,677 In this example, Peg would pay: Cost Sharing Deductibles $9,000 Copayments $90 Coinsurance $10 What isn't covered Limits or exclusions $60 The total Peg would pay is $9,160 ■The plan's overall deductible $9,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 50% This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost $11,761 In this example, Joe would pay: Cost Sharing Deductibles $9,000 Copayments $957 Coinsurance $378 What isn't covered Limits or exclusions $55 The total Joe would pay is $10,391 ■The plan's overall deductible $9,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 50% This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost $2,338 In this example, Mia would pay: Cost Sharing Deductibles $1,477 Copayments $400 Coinsurance $0 What isn't covered Limits or exclusions $0 The total Mia would pay is $1,877 Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery) Managing Joe's Type 2 Diabetes (a year of routine in-network care of a well- controlled condition) Mia's Simple Fracture (in-network emergency room visit and follow up care)

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 1 of 6 Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: Beginning On 01/01/2024 - 12/31/2024 Sana Benefits Plan H50 Coverage for: Individual + Family | Plan Type: PPO Plus RBP The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-833-SANA-123. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at http://www.healthcare.gov/sbc-glossary or call 1-800-444-3272 to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? $5,000 individual/ $10,000 family Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Are there services covered before you meet your deductible? Yes. Preventive care services are covered before you meet your deductible. Other services are covered but are subject to coinsurance, copayment, and/or deductible. This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles for specific services? No You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. What is the out-of-pocket limit for this plan? $5,000 individual/ $10,000 family The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the out-of-pocket limit? Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services, and health care this plan doesn't cover. Even though you pay these expenses, they don't count toward the out–of–pocket limit. Will you pay less if you use a network provider? Not Applicable This plan does not use a provider network. You can receive covered services from any provider. Do you need a referral to see a specialist? No You can see the specialist you choose without a referral.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 1 of 6 Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: Beginning On 01/01/2024 - 12/31/2024 Sana Benefits Plan H50 Coverage for: Individual + Family | Plan Type: PPO Plus RBP The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-833-SANA-123. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at http://www.healthcare.gov/sbc-glossary or call 1-800-444-3272 to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? $5,000 individual/ $10,000 family Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Are there services covered before you meet your deductible? Yes. Preventive care services are covered before you meet your deductible. Other services are covered but are subject to coinsurance, copayment, and/or deductible. This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles for specific services? No You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. What is the out-of-pocket limit for this plan? $5,000 individual/ $10,000 family The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the out-of-pocket limit? Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services, and health care this plan doesn't cover. Even though you pay these expenses, they don't count toward the out–of–pocket limit. Will you pay less if you use a network provider? Not Applicable This plan does not use a provider network. You can receive covered services from any provider. Do you need a referral to see a specialist? No You can see the specialist you choose without a referral.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 2 of 6 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Common Medical Event Services You May Need What You Will Pay Limitations, Exceptions, & Other Important Information If you visit a health care provider's office or clinic Primary care visit to treat an injury or illness 0% coinsurance Cost-sharing waived if accessing a Sana approved Direct Primary Care provider or a Sana Care Partner. Specialist visit 0% coinsurance Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Preventive care/screening/ immunization No charge, deductible does not apply You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for. If you have a test Diagnostic test (x-ray, blood work) 0% coinsurance None. Imaging (CT/PET scans, MRIs) 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.sanabenefits.com Generic drugs 0% coinsurance Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Preferred brand drugs 0% coinsurance Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Non-preferred brand drugs 0% coinsurance Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Specialty drugs 0% coinsurance Limited to a 30-day supply (retail). If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Physician/surgeon fees 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Emergency room care 0% coinsurance None.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 2 of 6 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Common Medical Event Services You May Need What You Will Pay Limitations, Exceptions, & Other Important Information If you visit a health care provider's office or clinic Primary care visit to treat an injury or illness 0% coinsurance Cost-sharing waived if accessing a Sana approved Direct Primary Care provider or a Sana Care Partner. Specialist visit 0% coinsurance Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Preventive care/screening/ immunization No charge, deductible does not apply You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for. If you have a test Diagnostic test (x-ray, blood work) 0% coinsurance None. Imaging (CT/PET scans, MRIs) 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.sanabenefits.com Generic drugs 0% coinsurance Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Preferred brand drugs 0% coinsurance Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Non-preferred brand drugs 0% coinsurance Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Specialty drugs 0% coinsurance Limited to a 30-day supply (retail). If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Physician/surgeon fees 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Emergency room care 0% coinsurance None.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 3 of 6 If you need immediate medical attention Emergency medical transportation 0% coinsurance None. Urgent care 0% coinsurance None. If you have a hospital stay Facility fee (e.g., hospital room) 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Physician/surgeon fees 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you need mental health, behavioral health, or substance abuse services Office Visits 0% coinsurance Includes marriage/family therapy/counseling and all psychiatry, psychology, and psychotherapy office visits. Cost-sharing waived if accessing a Sana Care Partner. Other outpatient services 0% coinsurance Includes intensive outpatient programs and outpatient partial hospitalization programs. Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Inpatient services 0% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you are pregnant Office visits No charge, deductible does not apply None Childbirth/delivery professional services 0% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). Childbirth/delivery facility services 0% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). If you need help recovering or have other special health needs Home health care 0% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Rehabilitation services 0% coinsurance Preauthorization is required except for physical therapy and massage therapy. Failure to obtain preauthorization may result in benefits reduced by 100%. Limited to 30 visits/treatment, 60 visits/year, except for speech therapy and applied behavioral analysis (ABA) therapy.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 6 of 6 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. ■The plan's overall deductible $5,000 ■Specialist copayment $0 ■Other copayment $0 ■Plan coinsurance 0% This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost $11,677 In this example, Peg would pay: Cost Sharing Deductibles $5,000 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $60 The total Peg would pay is $5,060 ■The plan's overall deductible $5,000 ■Specialist copayment $0 ■Other copayment $0 ■Plan coinsurance 0% This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost $11,761 In this example, Joe would pay: Cost Sharing Deductibles $5,000 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $55 The total Joe would pay is $5,055 ■The plan's overall deductible $5,000 ■Specialist copayment $0 ■Other copayment $0 ■Plan coinsurance 0% This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost $2,338 In this example, Mia would pay: Cost Sharing Deductibles $2,338 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $0 The total Mia would pay is $2,338 Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery) Managing Joe's Type 2 Diabetes (a year of routine in-network care of a well- controlled condition) Mia's Simple Fracture (in-network emergency room visit and follow up care)

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 6 of 6 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. ■The plan's overall deductible $5,000 ■Specialist copayment $0 ■Other copayment $0 ■Plan coinsurance 0% This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost $11,677 In this example, Peg would pay: Cost Sharing Deductibles $5,000 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $60 The total Peg would pay is $5,060 ■The plan's overall deductible $5,000 ■Specialist copayment $0 ■Other copayment $0 ■Plan coinsurance 0% This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost $11,761 In this example, Joe would pay: Cost Sharing Deductibles $5,000 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $55 The total Joe would pay is $5,055 ■The plan's overall deductible $5,000 ■Specialist copayment $0 ■Other copayment $0 ■Plan coinsurance 0% This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost $2,338 In this example, Mia would pay: Cost Sharing Deductibles $2,338 Copayments $0 Coinsurance $0 What isn't covered Limits or exclusions $0 The total Mia would pay is $2,338 Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery) Managing Joe's Type 2 Diabetes (a year of routine in-network care of a well- controlled condition) Mia's Simple Fracture (in-network emergency room visit and follow up care)

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 1 of 6 Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: Beginning On 01/01/2024 - 12/31/2024 Sana Benefits Plan P30 Coverage for: Individual + Family | Plan Type: PPO Plus RBP The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-833-SANA-123. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at http://www.healthcare.gov/sbc-glossary or call 1-800-444-3272 to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? $3,000 individual/ $6,000 family Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Are there services covered before you meet your deductible? Yes. Preventive care services are covered before you meet your deductible. Other services are covered but are subject to coinsurance, copayment, and/or deductible. This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles for specific services? No You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. What is the out-of-pocket limit for this plan? $6,000 individual/ $12,000 family The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the out-of-pocket limit? Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services, and health care this plan doesn't cover. Even though you pay these expenses, they don't count toward the out–of–pocket limit. Will you pay less if you use a network provider? Not Applicable This plan does not use a provider network. You can receive covered services from any provider. Do you need a referral to see a specialist? No You can see the specialist you choose without a referral.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 1 of 6 Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: Beginning On 01/01/2024 - 12/31/2024 Sana Benefits Plan P30 Coverage for: Individual + Family | Plan Type: PPO Plus RBP The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call 1-833-SANA-123. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at http://www.healthcare.gov/sbc-glossary or call 1-800-444-3272 to request a copy. Important Questions Answers Why This Matters: What is the overall deductible? $3,000 individual/ $6,000 family Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Are there services covered before you meet your deductible? Yes. Preventive care services are covered before you meet your deductible. Other services are covered but are subject to coinsurance, copayment, and/or deductible. This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/. Are there other deductibles for specific services? No You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services. What is the out-of-pocket limit for this plan? $6,000 individual/ $12,000 family The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the out-of-pocket limit? Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services, and health care this plan doesn't cover. Even though you pay these expenses, they don't count toward the out–of–pocket limit. Will you pay less if you use a network provider? Not Applicable This plan does not use a provider network. You can receive covered services from any provider. Do you need a referral to see a specialist? No You can see the specialist you choose without a referral.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 2 of 6 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Common Medical Event Services You May Need What You Will Pay Limitations, Exceptions, & Other Important Information If you visit a health care provider's office or clinic Primary care visit to treat an injury or illness $25 copayment, deductible does not apply Cost-sharing waived if accessing a Sana approved Direct Primary Care provider or a Sana Care Partner. Specialist visit $50 copayment, deductible does not apply Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Preventive care/screening/ immunization No charge, deductible does not apply You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for. If you have a test Diagnostic test (x-ray, blood work) 20% coinsurance Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Imaging (CT/PET scans, MRIs) 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.sanabenefits.com Generic drugs $10 copayment – 30-day retail, $20 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Preferred brand drugs $30 copayment – 30-day retail, $60 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Non-preferred brand drugs $55 copayment – 30-day retail, $165 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Specialty drugs $55 copayment – 30-day retail, deductible does not apply Limited to a 30-day supply (retail). If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Physician/surgeon fees 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 2 of 6 All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Common Medical Event Services You May Need What You Will Pay Limitations, Exceptions, & Other Important Information If you visit a health care provider's office or clinic Primary care visit to treat an injury or illness $25 copayment, deductible does not apply Cost-sharing waived if accessing a Sana approved Direct Primary Care provider or a Sana Care Partner. Specialist visit $50 copayment, deductible does not apply Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Preventive care/screening/ immunization No charge, deductible does not apply You may have to pay for services that aren't preventive. Ask your provider if the services you need are preventive. Then check what your plan will pay for. If you have a test Diagnostic test (x-ray, blood work) 20% coinsurance Includes mental health office visits. Cost-sharing waived if accessing a Sana Care Partner. Imaging (CT/PET scans, MRIs) 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.sanabenefits.com Generic drugs $10 copayment – 30-day retail, $20 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Preferred brand drugs $30 copayment – 30-day retail, $60 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Non-preferred brand drugs $55 copayment – 30-day retail, $165 copayment – 90 day mail order, deductible does not apply Limited to a 90-day supply (retail or mail order) You pay copayment for each 30-day supply filled at retail and 90-day supply filled by mail order. Specialty drugs $55 copayment – 30-day retail, deductible does not apply Limited to a 30-day supply (retail). If you have outpatient surgery Facility fee (e.g., ambulatory surgery center) 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Physician/surgeon fees 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 3 of 6 service. Cost-sharing waived if accessing a Sana Care Partner. If you need immediate medical attention Emergency room care $200 copayment, deductible does not apply Copay waived if admitted. If you receive services in addition to an emergency room care visit, additional deductible, or 20% coinsurance may apply e.g. surgery. Emergency medical transportation 20% coinsurance None. Urgent care $25 copayment, deductible does not apply If you receive services in addition to an urgent care visit, additional deductible, or 20% coinsurance may apply e.g. surgery. If you have a hospital stay Facility fee (e.g., hospital room) 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Physician/surgeon fees 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. If you need mental health, behavioral health, or substance abuse services Office Visits $50 copayment, deductible does not apply Includes marriage/family therapy/counseling and all psychiatry, psychology, and psychotherapy office visits. Cost-sharing waived if accessing a Sana Care Partner. Other outpatient services 20% coinsurance Includes intensive outpatient programs and outpatient partial hospitalization programs. Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Inpatient services 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you are pregnant Office visits No charge, deductible does not apply None Childbirth/delivery professional services 20% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). Childbirth/delivery facility services 20% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 3 of 6 service. Cost-sharing waived if accessing a Sana Care Partner. If you need immediate medical attention Emergency room care $200 copayment, deductible does not apply Copay waived if admitted. If you receive services in addition to an emergency room care visit, additional deductible, or 20% coinsurance may apply e.g. surgery. Emergency medical transportation 20% coinsurance None. Urgent care $25 copayment, deductible does not apply If you receive services in addition to an urgent care visit, additional deductible, or 20% coinsurance may apply e.g. surgery. If you have a hospital stay Facility fee (e.g., hospital room) 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Physician/surgeon fees 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. If you need mental health, behavioral health, or substance abuse services Office Visits $50 copayment, deductible does not apply Includes marriage/family therapy/counseling and all psychiatry, psychology, and psychotherapy office visits. Cost-sharing waived if accessing a Sana Care Partner. Other outpatient services 20% coinsurance Includes intensive outpatient programs and outpatient partial hospitalization programs. Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Inpatient services 20% coinsurance Preauthorization is required. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. If you are pregnant Office visits No charge, deductible does not apply None Childbirth/delivery professional services 20% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply. Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). Childbirth/delivery facility services 20% coinsurance Cost sharing does not apply to certain preventive services. Depending on the type of services, coinsurance may apply.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 4 of 6 Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). If you need help recovering or have other special health needs Home health care 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Rehabilitation services $25 copayment – physical and massage therapy visits, deductible does not apply, 20% coinsurance – all other therapy visits Preauthorization is required except for physical therapy and massage therapy. Failure to obtain preauthorization may result in benefits reduced by 100%. Limited to 30 visits/treatment, 60 visits/year, except for speech therapy and applied behavioral analysis (ABA) therapy. Habilitation services $25 copayment – physical and massage therapy visits, deductible does not apply, 20% coinsurance – all other therapy visits Preauthorization is required except for physical therapy and massage therapy. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Limited to 30 visits per year for Occupational Therapy and Physical Therapy. Skilled nursing care 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Limited to 100 visits per member per calendar year. Durable medical equipment 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Hospice services 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 4 of 6 Maternity care may include tests and services described elsewhere in the SBC (i.e. ultrasound). If you need help recovering or have other special health needs Home health care 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Rehabilitation services $25 copayment – physical and massage therapy visits, deductible does not apply, 20% coinsurance – all other therapy visits Preauthorization is required except for physical therapy and massage therapy. Failure to obtain preauthorization may result in benefits reduced by 100%. Limited to 30 visits/treatment, 60 visits/year, except for speech therapy and applied behavioral analysis (ABA) therapy. Habilitation services $25 copayment – physical and massage therapy visits, deductible does not apply, 20% coinsurance – all other therapy visits Preauthorization is required except for physical therapy and massage therapy. If you don't get preauthorization, benefits could be reduced by 100% of the total cost of the service. Limited to 30 visits per year for Occupational Therapy and Physical Therapy. Skilled nursing care 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Limited to 100 visits per member per calendar year. Durable medical equipment 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service. Cost-sharing waived if accessing a Sana Care Partner. Hospice services 20% coinsurance Preauthorization is required. Failure to obtain preauthorization may result in benefits reduced by 100% of the total cost of the service.

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 6 of 6 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. ■The plan's overall deductible $3,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 20% This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost $11,677 In this example, Peg would pay: Cost Sharing Deductibles $3,000 Copayments $90 Coinsurance $1,668 What isn't covered Limits or exclusions $60 The total Peg would pay is $4,818 ■The plan's overall deductible $3,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 20% This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost $11,761 In this example, Joe would pay: Cost Sharing Deductibles $2,446 Copayments $957 Coinsurance $0 What isn't covered Limits or exclusions $55 The total Joe would pay is $3,458 ■The plan's overall deductible $3,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 20% This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost $2,338 In this example, Mia would pay: Cost Sharing Deductibles $1,477 Copayments $400 Coinsurance $0 What isn't covered Limits or exclusions $0 The total Mia would pay is $1,877 Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery) Managing Joe's Type 2 Diabetes (a year of routine in-network care of a well- controlled condition) Mia's Simple Fracture (in-network emergency room visit and follow up care)

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* For more information about and exceptions, see the plan or policy document at www.sanabenefits.com Page 6 of 6 About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage. ■The plan's overall deductible $3,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 20% This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia) Total Example Cost $11,677 In this example, Peg would pay: Cost Sharing Deductibles $3,000 Copayments $90 Coinsurance $1,668 What isn't covered Limits or exclusions $60 The total Peg would pay is $4,818 ■The plan's overall deductible $3,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 20% This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter) Total Example Cost $11,761 In this example, Joe would pay: Cost Sharing Deductibles $2,446 Copayments $957 Coinsurance $0 What isn't covered Limits or exclusions $55 The total Joe would pay is $3,458 ■The plan's overall deductible $3,000 ■Specialist copayment $50 ■Other copayment $25 ■Plan coinsurance 20% This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy) Total Example Cost $2,338 In this example, Mia would pay: Cost Sharing Deductibles $1,477 Copayments $400 Coinsurance $0 What isn't covered Limits or exclusions $0 The total Mia would pay is $1,877 Peg is Having a Baby (9 months of in-network pre-natal care and a hospital delivery) Managing Joe's Type 2 Diabetes (a year of routine in-network care of a well- controlled condition) Mia's Simple Fracture (in-network emergency room visit and follow up care)

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 10202310833 - 5 Page 1 of 6 10/2023Policyholder: Step Ahead ABA LLCGroup voluntary dental insuranceBenefit summaryEffective date: 01/01/2024What's available to me?Dental insurance helps pay for all, or a portion, of the costs associated with dental care, from routinecleanings to root canals.EligibilityEligible employeesAll active, full-time employeesCalendar-year deductible Coinsurance your policy paysOption 1 (members electing scheduled)In-network Out-of-network In-network Out-of-networkPreventive$0 $0 100% 100%Basic$50 $50 100% 100%Major$50 $50 60% 60%Additional provisionsFamily deductible3 times the per person deductible amountCombined deductibleYour deductibles that are in and out-of-network for basic and major services arecombined.Combined maximumMaximums for preventive, basic, and major procedures are combined. In-networkcalendar year maximums are $1,500 per person or non-network calendar yearmaximums are $1,500 per person.MaximumaccumulationIncludedPlan typeScheduledCalendar-year deductible Coinsurance your policy paysOption 2 (members electing unscheduled)In-network Out-of-network In-network Out-of-networkPreventive$0 $0 100% 100%Basic$50 $50 80% 80%Major$50 $50 50% 50%

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 10202310833 - 5 Page 2 of 6 10/2023Additional provisionsFamily deductible3 times the per person deductible amountCombined deductibleYour deductibles that are in and out-of-network for services are combined.Combined maximumMaximums for preventive, basic, and major procedures are combined. In-networkcalendar year maximums are $1,500 per person or non-network calendar yearmaximums are $1,500 per person.MaximumaccumulationIncludedPlan typeUnscheduledWho can buy coverage?• You may buy coverage if you're an active, full-time employee. Seasonal, temporary, or contractemployees can't purchase.o If you’re on regularly scheduled day off, holiday, vacation day, jury duty, funeral leave, or personal timeoff, you’re still considered actively at work, as long as you’re fulfilling your regular duties and wereworking the day immediately prior to your time off.o You must enroll within 31 days of being eligible. If you don’t, you’ll have to wait until the next openenrollment period, or qualifying event.Additional eligibility requirements may apply.Which procedures are covered, and how often?Option 1PreventiveRoutine examsTwice per calendar yearRoutine cleaningsTwice per calendar yearBitewing X-raysOnce per calendar yearFull mouth X-raysOnce every 60 monthsFluorideOnce per calendar year (covered only for dependent children under age 14)BasicSealantsCovered only for dependent children under age 14; once per tooth each 36monthsEmergency examsSubject to routine exam frequency limitPeriodontal maintenanceIf three months have passed since active surgical periodontal treatment;subject to routine cleaning frequency limitFillings Replacement fillings every 24 monthsOral surgerySimple and complex

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 10202310833 - 5 Page 3 of 6 10/2023General anesthesia / IVsedationCovered only for specific proceduresSimple endodontics Root canal therapy for anterior teethComplex endodontics Root canal therapy for molar teethNon-surgical periodontics,including scaling and rootplaningOnce per quadrant per 24 monthsPeriodontal surgicalproceduresOnce per quadrant per 36 monthsHarmful habit applianceCovered only for dependent children under age 14MajorCrownsEach 120 months per tooth if tooth cannot be restored by a fillingCore buildupEach 120 months per toothBridges120 months old (initial placement / replacement)Dentures 60 months old (initial placement / replacement)Repairs Partial denture, bridge, crown, relines, rebasing, tissue conditioning andadjustment to bridge/denture, within policy limitationsAdditional benefitsScheduled / MAC design In and out-of-network claim payments are based on the amounts agreed to bynetwork dentist, known as a negotiated fee schedule. If the submitted charge ismore than the scheduled amount you may be responsible for paying thedifference for out of network claims.Maximum accumulationSome of your unused annual benefit maximum can be carried over to the nextyear. To qualify, you must have had a dental service performed within thecalendar year and used less than the maximum threshold. The threshold isequal to the lesser of 50% of the out-of-network maximum benefit or $1,000. Ifthe qualification is met, 50% of the threshold is carried over to next year'smaximum benefit. Individuals with fourth quarter effective dates will startqualifying for rollover at the beginning of the next calendar year. You canaccumulate no more than four times the carry over amount. The entireaccumulation amount will be forfeited if no dental service is submitted within acalendar yearPeriodontal program If you’re pregnant or have diabetes or heart disease, you may receive scalingand root planing covered at 100% (if dentally necessary), or one additionalcleaning (routine or periodontal) subject to deductible and coinsurance.Second opinion program You may be eligible for second opinions from dental providers at 100%. Thisprogram makes sure you get the best advice to make an informed decisionabout your care.

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 10202310833 - 5 Page 4 of 6 10/2023Cancer treatment oralhealth programIf you have cancer and are undergoing chemotherapy or head/neck radiationtherapy, you may receive up to three fluoride treatments every 12 monthscovered at 100% plus one additional routine cleaning.General anesthesiaprogramIf you have autism, Down syndrome, cerebral palsy, muscular dystrophy, orspina bifida you may receive general anesthesia or intravenous sedationcoverage. Services must be administered in a dental office. All othercontractual limitations apply.Option 2PreventiveRoutine examsTwice per calendar yearRoutine cleaningsTwice per calendar yearBitewing X-raysOnce per calendar yearFull mouth X-raysOnce every 60 monthsFluorideOnce per calendar year (covered only for dependent children under age 14)BasicSealantsCovered only for dependent children under age 14; once per tooth each 36monthsEmergency examsSubject to routine exam frequency limitPeriodontal maintenanceIf three months have passed since active surgical periodontal treatment;subject to Routine cleaning frequency limitFillings Replacement fillings every 24 monthsOral surgerySimple and complexGeneral anesthesia / IVsedationCovered for only specific proceduresSimple endodontics Root canal therapy for anterior teethComplex endodontics Root canal therapy for molar teethNon-surgical periodontics,including scaling and rootplaningOnce per quadrant per 24 monthsPeriodontal surgicalproceduresOnce per quadrant per 36 monthsHarmful habit applianceCovered only for dependent children under age 14MajorCrownsEach 120 months per tooth if tooth cannot be replaced by a filling

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 10202310833 - 5 Page 5 of 6 10/2023Core buildupEach 120 monthsBridges120 months old (initial placement / replacement)Dentures 60 months old (initial placement / replacement)Repairs Partial denture, bridge, crown, relines, rebasing, tissue conditioning andadjustment to bridge/denture, within policy limitationsAdditional benefitsPrevailing charge When you receive care from an out-of-network-provider, benefits will be basedon the 90thpercentile of the usual and customary charges.Maximum accumulationSome of your unused annual benefit maximum can be carried over to the nextyear. To qualify, you must have had a dental service performed within thecalendar year and used less than the maximum threshold. The threshold isequal to the lesser of 50% of the out-of-network maximum benefit or $1,000. Ifthe qualification is met, 50% of the threshold is carried over to next year'smaximum benefit. Individuals with fourth quarter effective dates will startqualifying for rollover at the beginning of the next calendar year. You canaccumulate no more than four times the carry over amount. The entireaccumulation amount will be forfeited if no dental service is submitted within acalendar yearPeriodontal program If you’re pregnant or have diabetes or heart disease, you may receive scalingand root planing covered at 100% (if dentally necessary), or one additionalcleaning (routine or periodontal) subject to deductible and coinsurance.Second opinion program You may be eligible for second opinions from dental providers at 100%. Thisprogram makes sure you get the best advice to make an informed decisionabout your care.Cancer treatment oralhealth programIf you have cancer and are undergoing chemotherapy or head/neck radiationtherapy, you may receive up to three fluoride treatments every 12 monthscovered at 100% plus one additional routine cleaning.General anesthesiaprogramIf you have autism, Down syndrome, cerebral palsy, muscular dystrophy, orspina bifida you may receive general anesthesia or intravenous sedationcoverage. Services must be administered in a dental office. All othercontractual limitations apply.How do I find a network dentist?When you receive services from a dentist in our network, your cost may be lower. Network dentists agree tolower their fees for dental services and not charge you the difference. You’ll have access to the Principal PlanDental network, with more than 117,000 dentists nationwide. Visit principal.com/dentist to find a dentist orcall 800-247-4695.What if my dentist isn't in the network?You can refer your dentist to our network. Please submit the dentist’s name and information by calling800-247-4695, or submitting a form at principal.com/refer-dental-provider.

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principal.comThis is a summary of dental coverage insured by or with administrative services provided by Principal LifeInsurance Company. This outline is a brief description of your coverage. It is not an insurance contract or acomplete statement of the rights, benefits, limitations and exclusions of the coverage. If there is a discrepancybetween the policy and this document, the actual policy provision prevails. For complete coverage details,refer to the booklet.© 2023 Principal Financial Services, Inc., Principal, Principal and symbol design and Principal Financial Group are trademarks and servicemarks of Principal Financial Services, Inc., a member of the Principal Financial Group.Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62509-15 10202310833 - 5 Page 6 of 6 10/2023What are the limitations and exclusions of my coverage?• Missing tooth provision –This means the initial placement of bridges, partials, dentures, and implantservices to replace teeth missing before this coverage starts may not be covered. If the policy youremployer purchased replaces coverage with another carrier, continuous coverage under the prior planmay be applied and you may be eligible for coverage to replace teeth missing before this coverage started.Your effective date with your current employer, along with the employer's effective date with Principal areused to determine coverage. MIssing tooth provision doesn’t apply to pediatric essential benefits.• Frequency limitations for services are calculated to the month and exact date from the last date of serviceor placement date.There are additional limitations to your coverage. Please review your booklet for more information. Westrongly recommend submitting a predetermination to determine benefits.U 1 P 1YesU 1 P 2YesU 2 P 1YesU 2 P 2YesU 3 P 1YesU 3 P 2Yes

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Policyholder: Step Ahead ABA LLCGroup voluntary visionBenefit summary for all membersEffective date: 01/01/2024Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62454-7 10202310833 - 5 Page 1 of 4 05/2023What's available to me?Vision insurance is offered through Principal®and VSP®Vision Care. It provides choice, flexibility and savingsthrough a VSP doctor.If you buy this coverage, an established network of VSP doctors will provide quality care for you and yourdependents.VSP choice networkExamsEvery 12 months, one exam is covered in full after $10 copayPrescription glassesLenses - 1 pair covered every12 monthsFrames - covered up to $150every 12 months; 20% offamount over allowance1$25 copay• Single lenses• Lined bifocal lenses• Lined trifocal lenses• Lenticular lenses• Polycarbonate lenses for dependent children under age 18Lens enhancements Standard progressive lenses covered once every 12 months with a $0 copay¹Most other popular lens enhancements are covered after a copay, saving ourmembers an average of 30%¹Elective contactsCovered up to $150 every 12 months. Contact lenses can be chosen insteadof glasses.Contact fitting andevaluationUp to $60 copayNecessary contactsCovered in full after $25 copay every 12 monthsContact lenses can be chosen instead of glasses.1This can vary based on state laws and provider location Savings may not apply at participating retail chains.

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62454-7 10202310833 - 5 Page 2 of 4 05/2023Who can buy coverage?• You may buy coverage if you’re an active, full-time employee. Seasonal, temporary, or contract employeescan’t purchase.o If you’re on regularly scheduled day off, holiday, vacation day, jury duty, funeral leave, or personal timeoff, you’re still considered actively at work, as long as you’re fulfilling your regular duties and wereworking the day immediately prior to your time off.o You must enroll within 31 days of being eligible. If you don’t, you’ll have to wait until the next openenrollment period.• If you’re covered, you may buy coverage for your dependents.Additional eligibility requirements may apply.What's the difference between elective and necessary contacts?• Elective - when vision can be corrected by glasses, but contacts are worn.• Necessary - when vision can't be corrected with glasses due to extreme vision problems.Why am I charged an additional copay for contact fitting and evaluation?• Contact lens wearers require an additional evaluation of the eyes’ measurements, and possible follow-upappointments, for fitting and training on proper use of contact lenses.• For these additional services, you won’t pay more than $60 at in-network providers.Are benefits the same for all VSP doctors?• Yes, with the exception of Costco®, Walmart®, and Sam’s Club®. The frame allowance at these locations is$80 which is equivalent to a $150 allowance at other VSP doctor locations. Not all providers atparticipating retail chains are in-network for exam services.• Benefits may also vary by location due to state law.How do I find a VSP doctor?• Visit vsp.com to locate VSP doctors close to you -- or to see if your current eye care professional is in theVSP network.o You’ll need to choose the “Choice” doctor network to view the VSP doctors for your coverage.• Call 800-877-7195.Will I get an ID card?• Yes, your card will have a unique member ID that your doctor will use to verify benefits.Will my doctor submit my claim?• If you’re seeing a VSP doctor, they’ll submit the claim for you.• If you’re seeing someone outside the VSP network, you’re responsible for submitting your own claim. Youcan get that form from vsp.com after logging in as a member using your member ID. Or call 800-877-7195.

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Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62454-7 10202310833 - 5 Page 3 of 4 05/2023Are there any additional savings with VSP?• Glasses and sunglasses - you can save an average of 20-25% off glasses or sunglasses from any VSP doctorwithin 12 months of your last covered vision exam.• Laser vision correction - you pay an average of 15% off the regular price and 5% off the promotional price.You’ll only receive these discounts from contracted clinics. Go to VSP.com and register using your memberID to see the laser vision promotions and find a contracted clinic.These savings can vary based on state laws and provider location.What benefits do I receive if my doctor is outside VSP's network?Covered charges Benefit FrequencyExams Up to $45Once every 12 monthsSingle lenses Up to $30 One pair every 12 monthsLined bifocal lenses Up to $50 One pair every 12 monthsLined trifocal lenses Up to $65 One pair every 12 monthsLenticular lenses Up to $100 One pair every 12 monthsFrames Up to $70One set every 12 monthsElective contacts Up to $105 Contacts are instead of frames and lensesNecessary contactsUp to $210Contacts are instead of frames and lensesWhat are the limitations of my benefits?• Visual analysis or vision aids that aren't medically necessary aren't covered.• No benefits will be paid for:o Non-prescription glasseso Medical or surgical treatment of the eyeso Claims submitted by a doctor who is part of your familyOnce enrolled, you'll receive a booklet with more details regarding your plan limitations and exclusions.

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Policyholder: Step Ahead ABA LLCGroup term life insuranceBenefit summary for all membersEffective date: 01/01/2024Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62508-6 10202310833 - 5 Page 1 of 2 07/2023What's available to me?Protect what means the most to you – the people you love. If something were to happen to you, your lifeinsurance proceeds would go to the people you've designated as your beneficiaries.BenefitGuaranteedissue1Benefitreduction2You$50,000 If you're under70: $50,000If you're 70 orolder: The lesserof $50,000 orthe amount withthe prior carrier35% reductionat age 65, withan additional15% reductionat age 701Amount of coverage you may buy within 31 days of initial eligibility for coverage without providing healthinformation.2As you get older, your life insurance benefit amount decreases. Age reductions apply to the benefit amountafter providing health information.Who receives coverage?• You'll receive coverage if you’re an active, full-time employee. Seasonal, temporary, or contract employeesaren't eligible.o If you’re on a regularly scheduled day off, holiday, vacation day, jury duty, funeral leave, or personal timeoff, you’re still considered actively at work, as long as you’re fulfilling your regular duties and wereworking the day immediately prior to your time off.Additional eligibility requirements may apply.Do I need to provide health information?Benefit amounts up to the guaranteed issue shown in the table above won't require health information.What benefits does Accidental Death and Dismemberment (AD&D) provide?If you're accidentally injured on or off the job, you may receive a benefit equal to your life benefit.Loss AD&D BenefitLoss of life, loss of both hands or both feet or one hand andone foot, or loss of sight of both eyes100%Loss of one hand, or one foot, or sight of one eye 50%Loss of thumb and index finger on the same hand 25%

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principal.comThis is a summary of group term life coverage insured by or with administrative services provided by PrincipalLife Insurance Company. This outline is a brief description of your coverage. It is not an insurance contract or acomplete statement of the rights, benefits, limitations and exclusions of the coverage. If there is a discrepancybetween the policy and this document, the actual policy provision prevails. For complete coverage details,refer to the booklet.© 2023 Principal Financial Services, Inc., Principal, Principal and symbol design and Principal Financial Group are trademarks and servicemarks of Principal Financial Services, Inc., a member of the Principal Financial Group.Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62508-6 10202310833 - 5 Page 2 of 2 07/2023Seatbelt / airbag - If you die in a car accident while wearinga seat belt or protected by an airbag$10,000Repatriation - If you die at least 100 miles from your home Up to $2,000Education - If your children are enrolled in an accreditedpost-secondary school at the time of your death$3,000/year for up to 4 yearsLoss of use or paralysis - total loss of movement for 12 consecutive months or permanent paralysisQuadriplegia 100%Paraplegia, hemiplegia, or loss of use of both hands or bothfeet or one hand and one foot.50%Loss of use of one arm, one leg, one hand or one foot 25%Loss of speech and/or hearing - total loss for 12 consecutive monthsLoss of speech and hearing in both ears 100%Loss of speech or hearing in both ears 50%Loss of hearing in one ear 25%Additional benefits:Accelerated death benefit If you're terminally ill, you may be able to receive a portion of your life benefit.Coverage during disabilityIf you're disabled, you may be able to continue your coverage and not paypremium.Conversion of terminatedcoverageIf you terminate employment, you may be able to convert coverage to anindividual policy.The benefit summary is a summary only. For a complete list of benefit restrictions, please refer to your booklet.

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For more information, talk with your benefits counselor.Group Accident InsurancePreferred PlanColonialLife.comGAC4000 – PREFERRED PLANNobody expects an accident to happen. But if it does, your main focus should be on recovery, not how you’re going to pay your bills. Colonial Life accident insurance provides benefits directly to you to use however you like – from medical costs to everyday expenses. Whether it's a fall or a car accident, your benefits oer support when you need it.Benefits are per covered person per covered accident unless stated otherwiseAccident emergency treatment ................................................................................................ $150 One visit per covered person per covered accident and Up to four visits per covered person per calendar yearAccident follow-up doctor visit ..................................................................................................$50Up to four visits per covered person per covered accident andUp to 16 visits per covered person per calendar yearAccidental death Accidental deathPer covered person Accidental death common carrier¾ Named insured .....................................................................$50,000 .................. $200,000¾ Spouse ...............................................................................$50,000 .................. $200,000¾ Dependent child(ren) .............................................................. $10,000 ....................$40,000Examples of common carriers are mass transit trains, buses and planesAccidental dismembermentLoss or loss of use¾ One hand, arm, foot, leg or sight of an eye ......................................................................... $9,000¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination ................................ $18,000¾ One finger or one toe ................................................................................................... $1,050¾ Two or more fingers; two or more toes; or any combination ................................................... $2,100Air ambulance .................................................................................................................. $1,500 Transportation to or from a hospital or medical facilityAmbulance (ground)..............................................................................................................$300 Transportation to or from a hospital or medical facilityAppliance aid in personal locomotion or mobility .........................................................................$100Walking boot, neck brace, back brace, leg brace, cane, crutches, walker and wheelchairBlood/plasma/platelets .........................................................................................................$400 Required during treatment of a covered accidentBurn¾ 2nd-degree burns (covering at least 36% of the body’s surface) ..................................................$1,000¾ 3rd-degree burns (based on size) ......................................................................... $2,000 – $15,000Burn–skin gra ...................................................................................50% of applicable burn benefitAs a result of 2nd-degree or 3rd-degree burns

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Catastrophic accidentTotal and irrecoverable loss or loss of use¾ Both hands, arms, feet, legs or the sight of both eyes; or any combination; or¾ Loss of hearing in both ears or loss of ability to speak Subject to a 365-day elimination period; payable once per lifetime per covered person¾ Named insured ..................................................................................................................................................$50,000¾ Spouse ..................................................................................................................................................................$50,000 ¾ Dependent child(ren) .......................................................................................................................................$25,000Coma ...............................................................................................................$10,000Lasting for 14 or more consecutive daysConcussion ............................................................................................................ $375Dislocation (separated joint) Non-surgical Surgical¾ Hip ........................................................................................$3,000 $6,000¾ Knee (except patella) ..................................................................$1,500 $3,000¾ Ankle, bone or bones of the foot (other than toes) ...............................$1,200 $2,400¾ Collarbone (sternoclavicular) ..........................................................$800 $1,600¾ Collarbone (acromioclavicular and separation) ....................................$200 $400¾ Lower jaw ..................................................................................$720 $1,440¾ Shoulder (glenohumeral) ............................................................ $1,200 $2,400¾ Elbow ....................................................................................... $ 450 $900¾ Wrist ........................................................................................$600 $1,200¾ Bone(s) of the hand, (other than fingers) ............................................. $810 $1,620¾ Finger, toe ..................................................................................$200 $400¾ Incomplete dislocation or dislocation reduction.................................. 25% of the applicable without anesthesia non-surgical amountEmergency dental work ¾ Dental crown or denture ....................................................................................$300 ¾ Dental extraction .............................................................................................$100 Eye injury ..............................................................................................................$300 With surgical repair or removal of a foreign objectFracture (broken bone) Non-surgical Surgical¾ Skull, depressed fracture (except face/nose) ......................................$3,750 $7,500¾ Skull, simple non-depressed fracture (except face/nose) .......................$1,800 $3,600¾ Hip, thigh (femur) ......................................................................$3,150 $6,300¾ Body of vertebrae (excluding vertebral processes) ...............................$2,700 $5,400¾ Pelvis .....................................................................................$2,400 $4,800¾ Leg (tibia and/or fibula) ...............................................................$1,800 $3,600¾ Bones of the face or nose (except mandible or maxilla) ...........................$910 $1,820¾ Upper jaw, maxilla, upper arm between .......................................... $1,050 $2,100 elbow and shoulder¾ Lower jaw, mandible ................................................................. $1,200 $2,400¾ Kneecap, ankle, foot .................................................................. $ 1,200 $2,400¾ Shoulder blade, collarbone ......................................................... $1,200 $2,400¾ Vertebral processes ...................................................................... $630 $1,260¾ Forearm, hand, wrist ................................................................. $1,200 $2,400¾ Rib ..........................................................................................$375 $750¾ Coccyx .....................................................................................$320 $640¾ Finger, toe .................................................................................$200 $400¾ Chip fracture .................................................25% of the applicable non-surgical amountAlex was cleaning out the gutters when he fell. ALEX’S BENEFITS Ambulance $300Emergency room visit $150X-ray $60Hospital admission $1,000Hospital confinement $750Leg fracture (surgical) $3,600Physical therapy $360Appliance (crutches) $100Doctor’s follow-up oice visit $150$6,470EMERGENCY ROOM VISITAlex was taken by ambulance to the nearest emergency room and received immediate care.The doctor ordered an X-ray and discovered Alex had fractured his leg.DIAGNOSTIC PROCEDUREOver the next several weeks, he had three follow-up appointments with his doctor.DOCTORʼS OFFICE VISITAlex had eight sessions of physical therapy to help him regain the strength in his leg.PHYSICAL THERAPYAlex was admitted to the hospital for surgery on his leg. He was confined for three days.HOSPITAL CONFINEMENTFor illustrative purposes only.Benefit amounts may vary and may not cover all expenses. The certificate has exclusions and limitations.ALEXʼS OUT-OF-POCKET EXPENSESWhen Alex totaled up the bills, he had to pay his annual deductible, as well as co-payments for the ambulance, emergency room, hospital, surgery, physical therapy and follow-up visits. Luckily, Alex had accident coverage to help with these expenses.Alex used crutches.APPLIANCE FOR MOBILITY

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For more information, talk with your benefits counselor.GAC4000 – PREFERRED PLANHospital admission .............................................................................................................$1,000Per covered person per covered accidentHospital confinement .................................................................................................. $250 per dayUp to 365 days per covered person per covered accidentHospital intensive care unit admission .................................................................................... $1,750 Per covered person per covered accidentHospital intensive care unit confinement ........................................................................ $400 per day Up to 15 days per covered person per covered accident Knee cartilage (torn) ............................................................................................................. $750 Laceration (no repair, without stitches) ..........................................................................................$50 Laceration (repaired by stitches)¾ Total of all lacerations is less than two inches long ................................................................... $150¾ Total of all lacerations is at least two but less than six inches long .................................................$300 ¾ Total of all lacerations is six inches or longer ...........................................................................$600 Lodging (companion) ..................................................................................................$200 per day Up to 30 days per covered person per covered accident Medical imaging study (CT, CAT scan, EEG, MR or MRI) ..................................................................... $200 One benefit per covered person per covered accident per calendar yearOccupational or physical therapy ....................................................................................$45 per day Up to 10 days per covered person per covered accident Pain management for epidural anesthesia .................................................................................. $150 Prosthetic device/artificial limb One benefit per covered person per covered accident¾ One ....................................................................................................................... $1,250 ¾ More than one ........................................................................................................... $2,500 Rehabilitation unit confinement ....................................................................................$150 per day Immediately aer a period of hospital confinement due to a covered accident; up to 15 days per covered person per covered accident, not to exceed 30 days per covered person per calendar yearRuptured disc with surgical repair ............................................................................................$900 Surgery¾ Cranial, open abdominal and thoracic .............................................................................. $1,500 ¾ Hernia with surgical repair ............................................................................................... $300Surgery (exploratory and arthroscopic) ....................................................................................... $225Tendon/ligament/rotator cu¾ One with surgical repair .................................................................................................. $900 ¾ Two or more with surgical repair ..................................................................................... $1,800 Transportation for hospital confinement ...................................................................$600 per round tripUp to three round trips for more than 50 miles from home per covered person per covered accidentX-ray ...................................................................................................................................$60

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For more information, talk with your benefits counselor.ColonialLife.comGroup Accident InsuranceHealth Screening BenefitTHIS INSURANCE PROVIDES LIMITED BENEFITS.HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLEThis plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be oered to employees who do not have HSAs.This information is not intended to be a complete description of the insurance coverage available. The insurance has exclusions and limitations which may aect any benefits payable. Applicable to policy forms GACC1.0-P-EE-TX, certificate form GACC1.0-C-EE-TX and rider form R-GACC1.0-HS-TX. For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.GAC4000 - HEALTH SCREENING | 10-20 | 101865-1-TXThis benefit can help pay for routine preventive tests and services.Health screening ................................................................................ $100.00Payable once per covered person per calendar year; subject to a 30-day waiting period Blood test for triglycerides Bone marrow testing Breast ultrasound CA 15-3 (blood test for breast cancer) CA 125 (blood test for ovarian cancer) Carotid Doppler CEA (blood test for colon cancer) Chest X-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDL and LDL levels Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopyUnderwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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Group Critical Illness InsurancePlan 2GCI6000 – PLAN 2 – CRITICAL ILLNESS AND CANCERWhen life takes an unexpected turn, your focus should be on recovery — not finances. Colonial Life’s group critical illness insurance helps relieve financial worries by providing a lump-sum benefit payable directly to you to use as needed.Coverage amount: ____________________________COVERED CRITICAL ILLNESS CONDITION¹PERCENTAGE OF APPLICABLE COVERAGE AMOUNTBenign brain tumor100%Coma100%End stage renal (kidney) failure100%Heart attack (myocardial infarction)100%Loss of hearing100%Loss of sight100%Loss of speech100%Major organ failure requiring transplant100%Occupational infectious HIV or occupational infectious hepatitis B, C, or D100%Permanent paralysis due to a covered accident2100%Stroke100%Sudden cardiac arrest100%Coronary artery disease25%COVERED CANCER CONDITION¹PERCENTAGE OF APPLICABLE COVERAGE AMOUNTInvasive cancer (including all breast cancer)100%Non-invasive cancer25%Skin cancer initial diagnosis ............................................................ $400 per lifetimeCritical illness and cancer benefitsSpecial needs daycareA hospital stay and treatment for corrective heart surgeryPhysical therapy to build muscle strengthFor illustrative purposes only.Preparing for a lifelong journeyRebecca was born with Down syndrome. Her parents’ critical illness coverage provided a benefit that can help cover expenses related to Rebecca’s care and her changing needs. HOW THEIR COVERAGE HELPEDThe lump-sum amount from the family coverage benefit helped pay for:

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ColonialLife.com2-22 | 387100-11. Refer to the certificate for complete definitions of covered conditions. 2. In WA, the covered condition is called Permanent Paralysis.3. Dates of diagnoses of a covered critical illness must be separated by more than 180 days. 4. Critical illnesses that do not qualify include: coronary artery disease, loss of hearing, loss of sight, loss of speech, and occupational infectious HIV or occupational infectious hepatitis B,C,or D.THIS INSURANCE PROVIDES LIMITED BENEFITSInsureds in MA must be covered by comprehensive health insurance before applying for this coverage.EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS We will not pay the Critical Illness Benefit, Benefits Payable Upon Subsequent Diagnosis of a Critical Illness or Additional Critical Illness Benefit for Dependent Children that occurs as a result of a covered person’s: alcoholism or drug addiction; felonies or illegal occupations; intoxicants and narcotics; suicide or injuring oneself intentionally, whether sane or not; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.EXCLUSIONS AND LIMITATIONS FOR CANCER We will not pay the Invasive Cancer (including all Breast Cancer) Benefit, Non-Invasive Cancer Benefit, Benefit Payable Upon Reoccurrence of Invasive Cancer (including all Breast Cancer) or Skin Cancer Initial Diagnosis Benefit for a covered person’s invasive cancer or non-invasive cancer that: is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico; is a pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having invasive or non-invasive cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while the named insured is covered under the certificate, and who are continuously covered from the date of birth or adoption.PRE-EXISTING CONDITION LIMITATION We will not pay a benefit for a pre-existing condition that occurs during the 12-month period aer the coverage eective date. Pre-existing condition means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage eective date.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may aect any benefits payable. Applicable to policy form GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.COVERED CONDITION¹PERCENTAGE OF APPLICABLE COVERAGE AMOUNTCerebral palsy 100%Cle lip or palate 100%Cystic fibrosis 100%Down syndrome 100%Spina bifida 100%KEY BENEFITSAdditional covered conditions for dependent childrenSubsequent diagnosis of a dierent critical illness3If you receive a benefit for a critical illness, and are later diagnosed with a dierent critical illness, 100% of the coverage amount may be payable for that particular critical illness.Subsequent diagnosis of the same critical illness3If you receive a benefit for a critical illness, and are later diagnosed with the same critical illness,4 25% of the coverage amount is payable for that critical illness.Reoccurrence of invasive cancer (including all breast cancer)If you receive a benefit for invasive cancer and are later diagnosed with a reoccurrence of invasive cancer, 25% of the coverage amount is payable if treatment-free for at least 12 months and in complete remission prior to the date of reoccurrence; excludes non-invasive or skin cancer.For more information, talk with your benefits counselor.Preparing for the unexpected is simpler than you think. With Colonial Life, you’ll have the support you need to face life’s toughest challenges.  Available coverage for spouse and eligible dependent children at 50% of your coverage amount  Cover your eligible dependent children at no additional cost  Receive coverage regardless of medical history, within specified limits  Works alongside your health savings account (HSA)  Benefits payable regardless of other insurance

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Group Critical Illness InsuranceWellbeing Assistance BeneﬁtThe wellbeing assistance benefit can help reduce the risk of serious illness through early detection of disease or risk factors.Wellbeing assistance benefit ............................................................. $100.00Maximum of one test per covered person per calendar year; subject to a 30-day waiting period before the benefit is payable. The test must be performed aer the waiting period. Blood test for triglycerides Bone marrow testing BRCA1 or BRCA2 testing (genetic test for breast cancer) Breast ultrasound CA 15-3 (blood test for ovarian cancer) CA 125 (blood test for breast cancer) Carotid Doppler CEA (blood test for colon cancer) Chest x-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDL and LDL levels Serum protein electrophoresis (blood test for myeloma) Skin cancer biopsy Stress test on a bicycle or treadmill Thermography ThinPrep pap test Virtual colonoscopyFor more information, talk with your benefits counselor.ColonialLife.comGCI6000 – WELLBEING ASSISTANCE BENEFIT | 5-20 | 387307Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.THIS INSURANCE PROVIDES LIMITED BENEFITS.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may aect any benefits payable. Applicable to policy form GCI6000-P and certificate form GCI6000-C (including state abbreviations where used, for example: GCI6000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.

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Group Disability InsuranceGROUP DISABILITY BASEYou never know when a disability could impact your way of life. Fortunately, there’s a way to help protect your income. If a covered accident or sickness prevents you from earning a paycheck, disability insurance can provide a monthly benefit to help you cover your ongoing expenses.Benefits worksheetHow much coverage do I need?Monthly benefit amount for o-job accident and o-job sickness: ______________Choose a monthly benefit amount between $400 and $7,500.*If your plan includes on-job accident/sickness benefits, the benefit is 50% of the o-job amount.How long may I receive benefits? Benefit period: _______ monthsThe partial disability benefit period is three months.When may my total disability benefits start?Aer an accident: _______ days Aer a sickness: _______ daysCan you aord to not protect your income? You don’t have the same lifestyle expenses as the next person. That’s why you need disability coverage that can be customized to fit your specific needs.Aer calculating your monthly expenses, your benefits counselor can help you complete the benefits worksheet.ColonialLife.com*Subject to income requirementsMONTHLY EXPENSESRound to the nearest hundredRent or mortgage (insurance, minor home repairs) $Transportation (gas, car, bus, car maintenance and insurance) $Utilities (cell phone, Wi-Fi, electricity/gas, water) $Food and household necessities (toiletries, cleaning supplies) $Health (medical needs and prescription drugs) $Other (gym/fitness, streaming/cable, extracurricular) $Total monthly expenses (add lines 1–6 together) $

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EXCLUSIONS AND LIMITATIONS We will not pay benefits for losses that are caused by, contributed to by or occur as the result of: alcoholism or drug addiction, felonies or illegal occupations, flying, hazardous avocations, intoxicants and narcotics, psychiatric or psychological conditions, racing, semi-professional or professional sports, suicide or injuries which you intentionally do to yourself, war or armed conflict. We will not pay for losses due to you giving birth within the first nine months aer the coverage eective date of the certificate. Pre-existing condition means a sickness or physical condition, whether diagnosed or not, for which you were treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage eective date. We will not pay for loss when the disability is a pre-existing condition as defined in this certificate, unless you have satisfied the pre-existing condition limitation period (typically 12 months) shown on the Certificate Schedule on the date you suer a loss due to a covered accident or covered sickness.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may aect any benefits payable. Applicable to policy form GDIS-P and certificate form GDIS-C (including state abbreviations where used, for example: GDIS-P-TX and GDIS-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. 2-22 | 101136-6Product information and features Total disabilityTotally disabled or total disability means you are: unable to perform the material and substantial duties of your job, not working at any job, and under the regular and appropriate care of a doctor.Partial disabilityIf you are able to return to work part time aer at least 14 days of being paid for a total disability, you may be able to still receive 50% of your total disability benefit.Waiver of premiumWe will waive your premium payments aer 90 consecutive days of a covered disability.Geographical limitationsIf you are disabled while outside of the United States, you may receive benefits for up to 60 days before you have to return to the U.S. Issue ageCoverage is available from ages 17 to 74.PortabilityYou may be able to keep your coverage even if you change jobs.For more information, talk with your benefits counselor.

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Deductions per year: 26Group Accident for ILApplicable to policy forms GACC1.0-P & GACC1.0-ClOn/Off-Job Accident Coverage, Health Screening Benefit ($100 Benefit)PreferredISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY17-99 $9.66 $15.62 $15.95 $21.91Group Critical Illness (GCI6000) for ILApplicable to policy forms GCI6000-P, GCI6000-C,R-GCI6000-CB, R-GCI6000-BB, R-GCI6000-HB,R-GCI6000-INF, R-GCI6000-PDlPlan 2 - Critical Illness & Cancer, Wellbeing Assistance Benefit - $100 BenefitUni-Tobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSE/PARTNER TO A CIVILUNIONNAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED,SPOUSE/PARTNER TO A CIVILUNION AND DEPENDENTCHILD(REN)$10,000 17-24 $5.05 $7.64 $5.05 $7.6425-29 $5.93 $8.93 $5.93 $8.9330-34 $6.81 $10.27 $6.81 $10.2735-39 $8.84 $13.27 $8.84 $13.2740-44 $10.87 $16.32 $10.87 $16.3245-49 $14.10 $21.44 $14.10 $21.4450-54 $17.38 $26.52 $17.38 $26.5255-59 $21.90 $33.40 $21.90 $33.4060-64 $28.78 $43.83 $28.78 $43.8365-69 $34.59 $52.73 $34.59 $52.7370-74 $34.59 $52.73 $34.59 $52.73$20,000 17-24 $7.04 $10.50 $7.04 $10.5025-29 $8.79 $13.09 $8.79 $13.0930-34 $10.55 $15.76 $10.55 $15.7635-39 $14.61 $21.76 $14.61 $21.7640-44 $18.67 $27.86 $18.67 $27.8645-49 $25.13 $38.10 $25.13 $38.1050-54 $31.69 $48.26 $31.69 $48.2655-59 $40.73 $62.01 $40.73 $62.0160-64 $54.49 $82.87 $54.49 $82.8765-69 $66.12 $100.69 $66.12 $100.6970-74 $66.12 $100.69 $66.12 $100.69Step Ahead ABA Hipson BenefitsPage 1 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

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Group Critical Illness (GCI6000) for ILApplicable to policy forms GCI6000-P, GCI6000-C,R-GCI6000-CB, R-GCI6000-BB, R-GCI6000-HB,R-GCI6000-INF, R-GCI6000-PDlPlan 2 - Critical Illness & Cancer, Wellbeing Assistance Benefit - $100 BenefitUni-Tobacco RatesISSUE AGE NAMED INSURED NAMED INSURED ANDSPOUSE/PARTNER TO A CIVILUNIONNAMED INSURED ANDDEPENDENT CHILD(REN)NAMED INSURED,SPOUSE/PARTNER TO A CIVILUNION AND DEPENDENTCHILD(REN)$30,000 17-24 $9.02 $13.36 $9.02 $13.3625-29 $11.65 $17.24 $11.65 $17.2430-34 $14.29 $21.26 $14.29 $21.2635-39 $20.38 $30.26 $20.38 $30.2640-44 $26.47 $39.40 $26.47 $39.4045-49 $36.16 $54.76 $36.16 $54.7650-54 $45.99 $70.00 $45.99 $70.0055-59 $59.56 $90.63 $59.56 $90.6360-64 $80.19 $121.92 $80.19 $121.9265-69 $97.64 $148.64 $97.64 $148.6470-74 $97.64 $148.64 $97.64 $148.64Group Disability for IL A Risk ClassApplicable to policy forms GDIS-P & GDIS-ClOn/Off-Job Accident and Sickness6 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,000* $2,000* $2,500* $3,000* $4,000**monthly benefit amount7 days Accident/7 days Sickness 17-49 $20.54 $41.08 $51.35 $61.62 N/A50-64 $27.18 $54.37 $67.96 $81.55 N/A65-74 $37.06 $74.12 $92.65 $111.18 N/A12 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,000* $2,000* $2,500* $3,000* $4,000**monthly benefit amount7 days Accident/7 days Sickness 17-49 $28.38 $56.77 $70.96 $85.15 N/A50-64 $35.54 $71.08 $88.85 $106.62 N/A65-74 $56.86 $113.72 $142.15 $170.58 N/AImportant NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2022 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Houston Hamilton |Step Ahead ABA Hipson Benefits(Continued...)Page 2 of 2Underwritten by Colonial Life & Accident Insurance CompanySee page 2 for Important Notice

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Getting startedThe easiest way to manage your business with us is through ColonialLife.com. To sign up for the website, click Register at the top right of the home page and follow the instructions. Consider your optionsAt Colonial Life, our goal is to give you an excellent customer experience that is simple, modern and personal. For your convenience, you can choose how you interact with us. For the quickest service, we recommend using our website, which lets you do the following:  Review, print or download a copy of your policy/certificate by clicking on the My Correspondence tab.  Update contact information or add family member profile information for use when filing online claims.  Access service forms to make changes to your policy, such as a beneficiary change.  Submit your claim using our eClaims system.  Check the status of your claim and view claims correspondence.  Access claim forms.Policyholder Service GuideeClaims are quick and easyWith the eClaims feature on ColonialLife.com, you can file most 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.  From Colonial Life.com, file claims from any device. It’s fast, easy and available 24/7.  Select direct deposit to receive your benefit payment faster.  Easily submit additional documents.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 claim and service forms.  You may fax your claim to 1-800-880-9325.  Follow the instructions, tips and videos to complete and submit your claim.ColonialLife.comContact us Online ColonialLife.com Log in and click on Contact UsTelephone 1-800-325-4368Hearing-impaired customers 803-798-4040If you do not have a TDD, call Voiance Telephone Interpretation Services. 844-495-61058-17 | 43233-39Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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