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08 2023 07 2024 EMPLOYEE BENEFITS GUIDE Provided to you by

Clark Blair CEO Legacy Hospice Dear Valued Employees of Legacy Hospice It s that time of year again for Open Enrollment for Health Insurance as well as all other benefit offerings It is vital that all new and current employees go online and update your enrollment and all benefit offerings Please follow the instructions given in this packet This year United Health Care notified us they are increasing our health insurance rates by another 16 which is unacceptable We investigated the market for a better option and I am happy to announce that we will be changing our Health Plan back to Blue Cross Blue Shield BCBS of Alabama The good news is you will be receiving basically the same benefits and Your cost for Health Insurance will not increase This is the third year in a row that we have been able to keep your premiums steady Prior to changing to United Health Care in 2020 BCBS of Alabama was our insurance carrier for the previous 12 years so Blue Cross is no stranger to Legacy This year we are also including a New Base Dental plan option with reduced rates and an Employer match Legacy will continue to pay for Short Term Disability and Basic Life for all Full Time employees We heard from you and we will continue to strive to make adjustments to have competitive offerings for our employees It won t stop here There are already more things in the works that will benefit you the employee Our goal is to be the EMPLOYER OF CHOICE We value our employees and want to make this a place where everyone wants to work Due to your tireless efforts we are not just surviving but thriving in our industry when many others are struggling We have and will continue to make investments in our employees These are unprecedented times and again because of your extraordinary efforts Legacy is in a position of strength today and moving forward We appreciate your continuous dedication to helping our patients and families each and every day You are what makes us the best hospice provider in the industry Respectfully Clark Blair CEO Legacy Hospice 2023 2024 Employee Benefits Guide Page 2 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

We would like to welcome you to the 2023 2024 annual benefits summary package for Legacy Hospice This packet contains summaries of the benefits offered to you by Legacy Hospice We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family This benefits guide provides an overview of benefit plans including eligibility election periods and costs In addition the guide offers descriptions and explanations of each coverage plan option We urge you to carefully consider all aspects of these programs including their premiums accessibility to health care services flexibility and restrictions TABLE OF CONTENTS Eligibility Enrollment 4 5 Medical Benefits 6 Prescription Drug Benefits 7 Where To Seek Care 8 Telemedicine 9 Dental Benefits 12 Vision Benefits 13 14 Cost of Coverage per 24 pay periods 145 Health Savings Account HSA 16 17 Flexible Spending Account FSA 18 Life and Accidental Death Dismemberment AD D Insurance 19 Disability Benefits 20 Employee Assistance Program 21 Critical Illness 22 Accident 23 Cancer Hospital Indemnity 24 ID Theft Protection 25 Pet Insurance 26 Contacts 27 Important Notices 28 33 Access Perks Discount Program 34 Info on the Go Scan with your Smartphone to access your 08 2023 07 2024 Benefits Guide and enrollment materials online ANYTIME Legacy Hospice 2023 2024 Employee Benefits Guide Page 3 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

ELIGIBILITY ENROLLMENT Who is Eligible Employees who are scheduled to work an average of at least 30 hours per week are eligible to be enrolled for the benefits described in this guide You may enroll your eligible dependents in the same plans you choose for yourself including medical dental vision voluntary life critical illness and accident insurance coverage Eligible dependents may include the following Your legal spouse Your children up to age 26 Your unmarried dependent children over age 26 who are incapable of self care because of a disability and who rely on you for support Enrolling for Coverage Your enrollment period is a valuable time to review your benefits and choose the best options for you and your family Review the 2023 2024 Employee Benefits Guide to understand the coverage available and changes to the Legacy Hospice Benefit Program Complete the following steps to make your benefit elections via ADP 1 Log in to your ADP Account https www workforcenow adp com 2 Go to Myself Benefits 3 Click Enroll Now 4 You will be brought to a Welcome to Open Enrollment 2023 page 5 You will be required to answer Yes or No to the Tobacco Use question for you and or your spouse 6 Click Continue 7 Complete each section You must either Waive or elect each benefit You will automatically be enrolled in Basic Life AD D and Short Term Disability Insurance as Legacy pays 100 of these premiums 8 Designate a beneficiary for Basic and or Voluntary Life Insurance elections 9 Review your elections summary and select Submit Enrollment Legacy Hospice 2023 2024 Employee Benefits Guide Page 4 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

ELIGIBILITY ENROLLMENT Changing Your Coverage During the Year Elected benefits will be effective August 1st 2023 You are unable to make any changes during the year unless you experience a qualifying life event as defined by the IRS that allows a mid year plan change These changes include but not limited to Birth or adoption of a baby or child Loss of other healthcare coverage Eligibility for new healthcare coverage Marriage Divorce Change in child s dependent status If you experience a qualifying life event or if you have questions please contact Human Resources HR You have 30 days after a qualifying event to amend your benefit elections Please notify HR to make this request Understanding Plan Years What are Plan Years and why are they important A Plan Year is a time span that an insurance policy is in effect Your new benefits will become effective August 1st 2023 However medical dental and vision coverages have deductibles and maximum out of pocket limits that run on a calendar year basis January December This means that on January 1st 2024 your deductible and maximum out of pocket limits will reset Health Savings Accounts have maximum contribution limits that are set by the I R S on a calendar year basis 3 850 for single 7 750 for family in 2023 Persons aged fifty five or older may contribute an additional 1 000 catch up contribution in addition to the amounts listed above Flexible Spending Accounts are run on a Plan Year basis August 1st 2023 July 31st 2024 Any money you contribute must be spent during the plan year Funds more than the 570 rollover amount not spent during the plan year will be subject to the use it or lose it provision 2023 2024 Open Enrollment June 26th July 7th 2023 Legacy Hospice 2023 2024 Employee Benefits Guide Page 5 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

MEDICAL PRESCRIPTION DRUG BENEFITS Plan Year August 1st 2023 through July 31st 2024 Legacy Hospice offers comprehensive medical options to help you and your family protect your health For the 2023 2024 plan year Legacy will be moving the medical and prescription coverage to BCBS Alabama This plan encourages you to seek care from In Network providers which provide a higher level of benefit You may choose to use Out of Network providers but if you do your benefits will be reduced meaning your out of pocket expenses will increase The following chart provides a summary of the key features of the Medical benefit options Complete benefit summaries are available on www LegacyBenefits org 3 000 PPO 5 000 HSA Services Physician Office Visit Primary Specialist In Network You Pay 30 copay 30 copay In Network You Pay Covered after deductible Covered after deductible Preventive Care Adult Well Child Urgent Care Emergency Room Labs Imaging No Cost 30 copay 20 coinsurance after deductible No Cost Covered after deductible Covered after deductible Lab No Charge In Network Covered after deductible X ray No Charge In Network Covered after deductible Advanced Imaging 20 after deductible Covered after deductible Inpatient Service 20 after deductible Covered after deductible Outpatient Services Prescription Drugs Retail Up to 30 day supply Tier 1 Tier 2 Tier 3 20 after deductible 10 50 75 Covered after deductible Copays apply after deductible 10 35 70 Mail Order 90 day supply Tier 1 Tier 2 Tier 3 Tier 4 Deductible Individual Family Member Coinsurance Max Out of Pocket Includes deductible coinsurance copays Individual Family 30 150 225 Embedded 3 000 6 000 20 6 000 12 000 30 105 210 Embedded 5 000 10 000 0 6 550 13 100 MEDICAL NETWORK Blue Card PPO Rx NETWORK PreferredONE Embedded deductible and out of pocket OOP means that a per member deductible and OOP are embedded within the per family thresholds Each covered family member is subject only to their per member deductible or OOP and the family s exposure is limited by the family deductible and OOP limits Legacy Hospice 2023 2024 Employee Benefits Guide Page 6 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

PRESCRIPTION DRUG BENEFITS We know prescription drug coverage is important to you and your family You will have coverage under the prescription drug plan when you enroll in medical coverage You may fill your prescriptions at participating retail pharmacies Under the prescription drug coverage the mail order option allows you to buy qualified prescriptions in larger 90 day quantities for a slightly higher copay amount as a 30 day supply at the retail pharmacy Mail order saves you time on trips to the pharmacy because prescriptions are delivered right to your door There are different tiers of drugs under the plans The differences between these tiers are described below Tier 1 Lower cost medications that provide the highest overall value Mostly generic drugs but certain brand name drugs may also be included Tier 2 Mid range cost medications that provide good overall value Mainly preferred brand name drugs Tier 3 Highest cost medications that provide the lowest overall value To view a list of commonly prescribed medications visit the benefits website at www LegacyBenefits org and review a copy of your Prescription Drug List PDL posted under the Benefits Guide and Handouts tab Ways to Save Start with generics which are usually the lowest cost options and have the same active ingredients as brand name versions And remember if the generic price is lower than the co pay you receive the better price If you currently take a Tier 3 drug ask your provider if a Tier 1 or Tier 2 option could work for you If your medication is intended for short term use such as antibiotic therapies for an illness go to one of more than 68 000 network pharmacies to get it filled You can locate all of the PreferredONE Network participating pharmacies in your area by visiting www AlabamaBlue com PharmacyLocator To find a pharmacy enter your zip code and click Search Once results are displayed be sure to select the PreferredONE Retail Network or PreferredONE ESN Network under the Network or Plan filter To maximize your pharmacy benefits you will need to transfer all your prescriptions to a PreferredONE Network participating pharmacy If you have questions about your prescription coverage please call the number on the back of your member identification card or visit www AlabamaBlue com ContactUs Legacy Hospice 2023 2024 Employee Benefits Guide Page 7 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

WHERE TO SEEK CARE You think you may be sick but your primary care physician is booked through the end of the month You have a question about the side effects of a new medication but the pharmacy is closed Instead of immediately choosing an expensive trip to the emergency room or relying on questionable information from the internet look below at various care centers and resources and the types of care they provide Primary Care Center Telehealth When would I use this You need routine care or treatment for a current health issue Your primary doctor knows you and your health history can access your medical records provide routine care and manage your medications What type of care do they provide Routine checkups Immunizations Preventive Services Manage general health When would I use this You need care for minor illnesses and ailments but would prefer not to leave home These services are available by phone and online via webcam What type of issues do they treat Cold flu symptoms Allergies Bronchitis Urinary tract infection Sinus problems What are the costs and time considerations What are the costs and time considerations Often requires a copay and or coinsurance Access to care is usually immediate Some states may not allow for Do Your Homework prescriptions through telemedicine What may seem like an urgent Access to care is usually immediate Some states may not allow for prescriptions through telemedicine or virtual visits or virtual visits care center could be a standalone ER These newer facilities come with a higher Urgent Care Center price tag so ask for clarification if the word emergency appears Emergency Room in the company name When would I use this When would I use this You need care quickly but it is not a true emergency Urgent care centers offer treatment for non life threatening injuries or illnesses You need immediate treatment for a serious life threatening condition If a situation seems life threatening call 911 or your local emergency number right away What type of issues do they treat Strains sprains Minor broken bones Minor infections Minor burns X rays What type of issues do they treat Heavy bleeding Chest pain Major burns Spinal injuries Severe head injury Broken bones What are the costs and time considerations Often requires a copay and or coinsurance Walk in patients welcome but waiting periods may be longer as patients with more urgent needs will be treated first What are the costs and time considerations Often requires a much higher copay and or coinsurance Open 24 7 but waiting periods may be longer because patients with life threatening emergencies will be treated first This is sample of services and may not be all inclusive Cost and time information represent average only and are not tied to a specific condition or treatment Legacy Hospice 2023 2024 Employee Benefits Guide Page 8 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

TELEMEDICINE Access to a doctor anytime anywhere A Teladoc doctor is always just a call or click away at NO cost to you MEET OUR DOCTORS Teladoc is simply a new way to access qualified doctors All Teladoc providers GET THE CARE YOU NEED Teladoc providers can treat many medical conditions including WHY TELADOC It is a convenient and affordable option for quality care Are practicing PCPs pediatricians and family medicine physicians Average 20 years experience Are U S board certified and licensed in your state Are credentialed every three years meeting NCQA standards Cold flu symptoms Allergies Sinus problems Urinary tract infection Respiratory infection Skin problems And more When you need care now If you re considering the ER or urgent care for a nonemergency issue On vacation on a business trip or away from home For short term prescription refills Talk to a doctor anytime for free Teladoc com 1 800 Teladoc 835 2362 Online registration with Teladoc is required prior to use Legacy Hospice 2023 2024 Employee Benefits Guide Page 9 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

BCBSAL RESOURCES Register for myBlueCross At AlabamaBlue com Log in to myBlueCross where it really is all about you With the links under Manage My Contract you can View claim statements Order ID cards and view or email a virtual ID card View your contract and dependent information Review and pay your bill if applicable Authorize direct deposit Under Manage My Prescriptions you can View your claim history Find drug definitions and pricing Find a participating pharmacy near you File a drug claim if applicable In Research Tools you can View benefit booklets and SBCs View covered immunizations Read medical policies View a list of preventive services Under Manage My Health you can Take the HealthQuotient HQ View your Personal Health Record Compare treatment costs Check your symptoms with WebMD s Symptom Checker Enroll in Baby Yourself Learn about behavioral health services Additional information may be available based on your benefit plan Under Research Quality of Care you can Find a healthcare provider or facility Learn about Blue Cross Quality Initiatives Rate your doctor Learn about Blue Distinction Centers Under Forms Materials you can view or print claim forms and many other types of forms Legacy Hospice 2023 2024 Employee Benefits Guide Page 10 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

BCBSAL RESOURCES MOBILE APPS TOOLS ALABAMA Alabama Blue MOBILE APP FOR PHONE TABLET Check your benefits View or email your ID card Get your contract information Find a doctor and more Register for myBlueCross to get enhanced features using Alabama Blue Our Alabama Blue mobile app includes the Virtual ID Card so you can view or email your Blue Cross ID card Health Handbook APP Health conditions defined Information on medications Medical procedures explained Natural treatment options Medical dictionary English to Spanish translations my Rx Planner APP Medication reminders Common dosages Possible drug interactions One button dialing and turn by turn directions to pharmacy MOBILE APP FOR PHONE TABLE Our latest app is just right for expectant moms Tracks your baby s growth and your personal journey to motherhood Daily journal Photo gallery Kick counter Contraction counter Customizable reports Daily pregnancy and parenting tips One button dialing to access your physician and or Baby Yourself Nurse For this service you must be a Blue Cross and Blue Shield of Alabama member and enrolled in the Baby Yourself Maternity Legacy Hospice 2023 2024 Employee Benefits Guide Page 11 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

DENTAL BENEFITS Plan Year August 1st 2023 through July 31st 2024 Dental coverage is important to your overall health and wellness You can enroll in dental benefits offered by MetLife for yourself and your family The dental plan features a network of dentists and specialists who have agreed to provide services at a discounted price If you choose to see a dentist out of the network you may be balance billed for services based on a negotiated fee schedule This helps minimize any balance billing but remember the best way to maximize the benefit is by visiting an in network dentist You will not be mailed a hard copy of your ID card Please note ID cards are not required for you to receive services Providers can confirm coverage for you and your dependents through the employee s Social Security Number However electronic copies are still available for download through www metlife com mybenefits or the MetLife mobile app You must first register on the MetLife MyBenefits site to use the app The following chart shows the features of the Dental benefit option A complete benefit summary is available on www LegacyBenefits org Services Deductible Applies to Basic Major Dental PPO Plan Low Dental Plan High Dental Plan In Network Non Network In Network Non Network 25 individual 75 family 25 individual 75 family 25 individual 75 family 25 individual 75 family Preventive Services Deductible waived for Preventive No Cost No Cost No Cost No Cost Basic Services 20 after deductible 20 after deductible 10 after deductible 10 after deductible Major Services Annual Maximum 50 after deductible 50 after deductible 40 after deductible 40 after deductible 1 000 1 000 1 500 1 500 Orthodontia Dependent Children to Not Covered Not Covered 50 50 age 19 Orthodontia Lifetime Maximum Not Covered Not Covered 1 500 1 500 Out of Network Reimbursement N A Based on Negotiated Fee Schedule N A Based on Negotiated Fee Schedule Legacy Hospice 2023 2024 Employee Benefits Guide Page 12 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

VISION BENEFITS Plan Year August 1st 2023 through July 31st 2024 Your vision health is an important part of complete wellness EyeMed is pleased to present your vision benefits which are designed to give you and your covered family members the care value and service to help maintain good vision and overall health Please note ID cards are not required for you to receive services Providers can confirm coverage with your Social Security Number Any dependents on your plan can also use your SSN to get care However EyeMed will supply a one time hard copy ID card If it is lost or misplaced please use your SSN to verify coverage or obtain an electronic copy by registering on Vision Benefits eyemedvisioncare com The following chart shows the features of the Vision benefit option A complete benefit summary is available on www LegacyBenefits org Services Eye Exam Every 12 months Materials Standard Frame Every 24 months Standard Plastic Lenses Every 12 months in lieu of contact lenses Single Vision Bifocal Trifocal Lenticular In Network Member Cost 10 copay 20 copay 150 retail allowance Additional 20 off balance over allowance No cost after materials copay No cost after materials copay No cost after materials copay No cost after materials copay Out of Network Reimbursement Up to 40 Up to 105 Up to 30 Up to 50 Up to 70 Up to 70 Contact Lenses Every 12 months in lieu of frames and lenses Elective Conventional 150 allowance 15 off balance Disposable 150 allowance 100 off balance Up to 105 Medically Necessary No cost paid in full Up to 300 Legacy Hospice 2023 2024 Employee Benefits Guide Page 13 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

Visit an EyeMed PLUS Provider and receive 0 copay eye exams Additional 50 frame allowance Find a nearby PLUS Provider on the Vision Provider Locator just look for the PLUS www eyemedvisioncare com Legacy Hospice 2023 2024 Employee Benefits Guide Page 14 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

COST OF COVERAGE per 24 pay periods Legacy Hospice pays a portion of your health care premiums however we do require employees to contribute toward their health care costs as well Employees pay a dollar amount based on the level of coverage they select The following Employee Payroll Deductions will be effective for this plan year and will be reflected on your first paycheck after your effective date MEDICAL CONTRIBUTIONS PER 24 PAY PERIODS 3 000 PPO 5 000 HSA Employee Only 70 00 20 00 Employee Spouse 315 00 250 00 Employee Child ren 247 50 155 50 Employee Family 450 00 350 00 DENTAL CONTRIBUTIONS PER 24 PAY PERIODS Low Dental Plan High Dental Plan Employee Only 7 48 7 91 Employee Spouse 18 55 19 44 Employee Child ren 21 35 25 70 Employee Family 35 00 40 53 VISION CONTRIBUTIONS PER 24 PAY PERIODS Employee Only 4 36 Employee Spouse 7 58 Employee Child ren 6 42 Employee Family 10 58 Legacy Hospice 2023 2024 Employee Benefits Guide Page 15 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

HEALTH SAVINGS ACCOUNTS HSA Plan Year January 1st through December 31st Advantages of a High Deductible Health Plan and Health Savings Accounts If you are enrolled in a High Deductible Health Plan HDHP you are eligible to contribute on a pre tax basis to a Health Savings Account HSA If you have had a traditional co payment plan you may wonder how it is different from a HDHP with an HSA A Higher Deductible and a Lower Premium Traditional co payment plans typically have a lower deductible and higher premiums so you pay more up front and less when you need care HDHPs have the opposite a higher deductible but lower premiums A Health Savings Account HSA You can open an HSA which is a personal bank account that you own Here are four advantages of an HSA Get triple tax advantages 1 Contribute pre tax dollars 2 Grow your account tax free 3 Use your HSA to pay for eligible health care expenses tax free Use it today or save it for tomorrow Your HSA is an account in your name you own it and you decide how to get the most from it Lose the worry of having to spend it all before the end of the year With the HSA the balance rolls over year after year so you can let it grow over time You own the money in the HSA There is no use it or lose it rule If you choose to leave the company or switch health care plans you keep the money It is convenient Contributions are automatically deducted from your paycheck You can change or stop contributions at any time 2023 IRS limits for HSA 3 850 for individuals 7 750 for family 1 000 catch up contributions for individuals 55 or older Legacy Hospice 2023 2024 Employee Benefits Guide Page 16 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

HEALTH SAVINGS ACCOUNTS HSA Plan Year January 1st through December 31st You can use your HSA to pay for a wide range of IRS qualified medical expenses for yourself your spouse or tax dependents An IRS qualified medical expense is defined as an expense that pays for healthcare services equipment or medications Funds used to pay for IRS qualified medical expenses are always tax free HSA funds can be used to reimburse yourself for past medical expenses if the expense incurred after your HSA was established While you do not need to submit any receipts to Navia you must save your bills and receipts for tax purposes Examples of IRS Qualified Medical Expenses Acupuncture Eye Exam Ambulance Eyeglasses Annual Physical Examination Eye Surgery Bandages Hearing Aids Birth Control Pills Home Care contraceptive devices Hospital Services Body Scan Insurance Premiums Breast Pumps and Supplies Laboratory Fees Breast Reconstruction Surgery Lactation Expenses Chiropractor Learning Disability Contact Lenses Long Term Care Crutches Medicines Dental Treatment Nursing Home Diagnostic Devices Nursing Services Disabled Dependent Care Optometrist Expenses Oxygen Physical Examination Pregnancy Test Kit Prosthesis Psychiatric Care Smoking Cessation Programs Special Education Sterilization Surgery Transplants Vasectomy Vision Correction Surgery Weight Loss Program Wheelchair Wig X Ray Fees Ineligible medical expenses may include Baby Sitting Childcare and Nursing Services for a Normal Healthy Baby Controlled Substances Cosmetic Surgery Dancing Lessons Diaper Service Electrolysis or Hair Removal Flexible Spending Account Funeral Expenses Future Medical Care Hair Transplant Health Club Dues Health Coverage Tax Credit Household Help Illegal Operations and Treatments Maternity Clothes Medicines and Drugs from Other Countries Nonprescription Drugs and Medicines Nutritional Supplements Personal Use Items Swimming Lessons Teeth Whitening Veterinary Fees This list is not all inclusive additional expenses may qualify and the items listed above are subject to change in accordance with IRS regulations For more information or clarification on individual list items refer to Publication 502 or consult a tax professional HSA State Taxation There are currently three states that unlike the federal government subject your HSA contributions employee and employer to state income taxes The three states are New Jersey California and Alabama Similarly these three states also subject earnings interest and capital gains on your HSA to state taxation There are currently two other states New Hampshire and Tennessee that subject earnings on the account but not the contributions to state taxes Tax laws are subject to change Please contact your state tax authority or consult with a tax advisor to confirm the details for your state Legacy Hospice 2023 2024 Employee Benefits Guide Page 17 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

FLEXIBLE SPENDING ACCOUNTS FSA Plan Year August 1st 2023 through July 31st 2024 An FSA allows you to place money in a tax sheltered short term account for use in paying for approved healthcare expenses Enrollment occurs before the beginning of each plan year or for new employees during your initial enrollment period You must enroll each year to participate in the Healthcare Limited and Dependent Care Reimbursement Accounts The amount you designate will be taken from your paycheck in equal amounts throughout the plan year Keep your receipts and Explanation of Benefits EOBs in the event Navia or the IRS requests additional information on your transaction General Purpose HealthCare FSA Contribution Limit 3 050 2023 Can NOT be contributing to a Health Savings Account You are eligible to contribute to an FSA and use the funds for medical dental and vision expenses not covered by the plan The Health Care FSA contribution will be deducted from your paycheck over the course of the year Since you pay no taxes on the money placed in the FSA you effectively adjust your annual taxable salary Premiums are deducted from all 24 paychecks Contributions available on the first day of the new plan year Unused Healthcare FSA amounts more than 570 will be forfeited so plan carefully before making your elections Limited Purpose FSA Contribution Limit 3 050 2023 FSA option for those who DO contribute to an HSA Funds can be used for dental and vision expenses ONLY The Limited FSA contribution will be deducted from your paycheck over the course of the year Since you pay no taxes on the money placed in the FSA you effectively adjust your annual taxable salary Premiums are deducted from all 24 paychecks Contributions available on the first day of the new plan year Unused Limited FSA amounts more than 570 will be forfeited so plan carefully before making your elections Dependent Care FSA Contribution Limit 2023 5 000 if you are a single employee or married filing jointly 2 500 if you are married and filing separately Money only available as contributed via your payroll deductions Unused dependent care funds will be forfeited no rollover is allowed IMPORTANT Elections cannot be changed during the plan year unless you have a qualified change in family status like birth death marriage or divorce General Purpose Health Care FSA Rollover Provision Up to 570 of 2023 unused FSA dollars can be used to reimburse 2024 eligible FSA expenses Claims must be incurred between August 1 2023 and July 31 2024 These claims may be submitted for reimbursement between August 1 2023 and September 30 2024 Legacy Hospice 2023 2024 Employee Benefits Guide Page 18 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

LIFE AND AD D INSURANCE Plan Year August 1st 2023 through July 31st 2024 Group Life and AD D Coverage is available through MetLife Life and Accidental Death Dismemberment AD D insurance is an important benefit as it provides your beneficiaries financial protection in the event of a tragic loss Legacy Hospice provides full time employees with group life and accidental death and dismemberment AD D insurance and pays for 100 of the coverage The amount provided by Legacy Hospice is 1x your annual earnings up to 150 000 If you are age 65 or older the amount of your Group Life Insurance will reduce by 35 at age 65 and by 50 at age 70 Voluntary Life and AD D If you need additional Life insurance to meet your financial needs you can purchase Voluntary Life and AD D insurance through after tax payroll deductions for yourself your spouse and your child ren Life insurance is about more than paying for memorial services it is about making sure your family can maintain its standard of living if something happens to you The amount your family needs depends on your personal situation such as other income monthly expenses short and longterm debt such as credit card or mortgage expenses etc This benefit is 100 the employee s responsibility and offered through MetLife Should you leave the company you can elect to continue this coverage directly with MetLife Employee Benefit Amount Life AD D Spouse Benefit Amount Life AD D Child ren Benefit Amount Life AD D Increments of 10 000 up to a maximum of 5x salary up to 500 000 New Entrants Guarantee Issue GI Amount 150 000 Increments of 5 000 to a maximum of 150 000 not to exceed 50 of the employee election New Entrants Guarantee Issue GI Amount 25 000 Flat amount 1 000 2 000 4 000 5 000 or 10 000 New Entrants GI Amount 10 000 Amounts over the GI are subject to Evidence of Insurability EOI Evidence of Insurability EOI Rules New entrant If you elect coverage when you are initially eligible EOI is required only for any amount over 150 000 New entrant If you elect coverage for your spouse when you are initially eligible EOI is required only for any amount over 25 000 2023 Late entrant Employees who previously declined coverage during their initial enrollment as new entrant can elect coverage for themselves but an EOI will be required before coverage is approved 2023 Annual Enrollment Employees who previously elected coverage for themselves can increase their coverage by one increment 10k up to the GI without providing EOI If you wish to increase your coverage over the GI amount you must complete the required EOI form Annual Enrollment Employees who previously elected coverage for their spouse can increase spousal coverage by one increment 5k up to the GI without submitting EOI If you wish to increase spousal coverage over the GI amount you must complete the required EOI form Premiums for Voluntary Life and AD D vary based on age and benefit level To view your premium enter your election into ADP Legacy Hospice 2023 2024 Employee Benefits Guide Page 19 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

DISABILITY INSURANCE Plan Year August 1st 2023 through July 31st 2024 Without disability coverage you and your family may struggle to get by if you miss work due to an injury or illness In the event you become disabled from an injury or sickness disability income benefits will provide a partial replacement of lost income Legacy Hospice provides all active full time employees with Short Term Disability income benefits through Lincoln and covers the entire cost of the coverage In addition Legacy also provides employees with the opportunity to purchase Long Term Disability benefits to extend their disability coverage Employees are responsible for 100 of the Long Term Disability premiums If you are not able to work after 14 consecutive days of disability due to an eligible injury or illness Short Term Disability will replace 60 of your weekly pay up to a maximum benefit of 1 000 per week for a maximum of 11 weeks Long Term Disability benefits begin to pay after 90 days of disability and provide you with 60 of your basic monthly earnings up to 5 000 per month maximum BENEFIT SHORT TERM DISABILITY Elimination Period Income Replacement Maximum Benefit Maximum Benefit Period 14 days accident 14 days illness 60 of your basic earnings 1 000 weekly 11 weeks BENEFIT Elimination Period Income Replacement Maximum Benefit Maximum Benefit Period Pre Existing Limitations LONG TERM DISABILITY Voluntary 90 Days 60 of your basic earnings 5 000 month Age 65 or SSNRA 12 12 Premiums for Voluntary LTD vary based on age and benefit level To view your premium enter your election into ADP Helpful Terms Elimination Period The time span you must wait before benefits begin starting the day you become ill or injured Maximum Benefit This is the highest dollar amount a disabled employee can receive monthly under the LTD plan Pre Existing Limitations Anything diagnosed or treated within 12 months prior to effective date will not be covered for 1st 12 Legacy Hospice 2023 2024 Employee Benefits Guide Page 20 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

EMPLOYEE ASSISTANCE PROGRAM Life does not always go as planned and while you cannot always avoid the twists and turns you can get help to keep moving forward We can help you and your family get professional support and guidance to make life a little easier Our Employee Assistance Program EAP is available to you at no additional cost This program provides you with easy to use services to help with the everyday challenges of life EmployeeConnect offers professional confidential services to help you and your loved ones improve your quality of life Access EmployeeConnect 888 628 4824 GuidanceResources com Username LFGSupport Password LFGSupport1 Legacy Hospice 2023 2024 Employee Benefits Guide Page 21 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

CRITICAL ILLNESS Plan Year August 1st 2023 through July 31st 2024 Critical illness is coverage that helps ensure you and your family have the financial support to offset the expenses of a serious illness that may not be covered by your medical plan This benefit is 100 the employee s responsibility and offered through MetLife Employees may elect 5 0 0 0 10 000 15 000 20 000 or 25 000 guaranteed issue coverage when first eligible or during open enrollment If you choose to enroll your spouse and or children they will automatically be covered with 50 of your own election Why is It Important Critical illnesses are expensive Having coverage helps provide a financial safety net should you experience a diagnosis Even if you have medical and disability insurance there can be financial gaps in coverage Disability income may only cover a portion of your income and medical insurance can potentially leave you with extra expenses You would have to cover deductibles copays extra costs for out of network care and non covered services such as alternative treatments How It Works Critical illness insurance is coverage that can help safeguard your finances by providing you with a lump sum payment when you or your family needs it most The extra cash can help you focus on getting back on track without worrying about finding the money to cover your expenses Best of all the payment is made directly to you and is in addition to any other insurance you may have It is yours to spend however you like including for you and your family s everyday living expenses Critical illness insurance is there to make life a little easier no matter how you are recovering The following medical conditions are covered if you or your covered dependent meets the policy and certificate requirements COVERED CONDITIONS BENEFIT Invasive Cancer Noninvasive Cancer Carcinoma in situ Heart Attack Stroke Kidney Failure Alzheimer s Disease Major Organ Transplant Cerebral Palsy Cystic Fibrosis Sickle Cell Anemia Multiple Sclerosis For more listed conditions refer to benefit certificate Routine Health Assessment 100 25 100 100 100 100 100 25 50 Pre Existing Condition Limitation 3 month look back period 12 month exclusion period Benefits are subject to certain pre existing conditions limitations Premiums for Critical Illness vary based on age and benefit level To view your premium enter your election into ADP Legacy Hospice 2023 2024 Employee Benefits Guide Page 22 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

ACCIDENT INSURANCE Plan Year August 1st 2023 through July 31st 2024 Legacy Hospice provides all active full time employees with the opportunity to purchase Accident Insurance It provides cash benefits if you or a covered family member is accidentally injured Benefits are paid in addition to what is covered under your health insurance This benefit is 100 the employee s responsibility and offered through MetLife ACCIDENT BENEFITS Coverage is a Guaranteed Issue and Portable Coverage is for off the job accidents Accidental Death Dismemberment Benefit 25 000 Routine Health Assessment 50 Hospital Benefits Hospital Admission 500 Hospital Confinement 200 day up to 15 days Intensive Care Admission Intensive Care Confinement Emergency Care Benefits 1 000 200 day Ambulance Air Ambulance 120 1 000 Emergency Room 75 Medical Testing Benefit 150 Pain Management epidural anesthesia 75 Common Accident Coverage Motor Vehicle Injury Death 100 2 500 Fracture Dislocation Benefits Up to 8 000 Burn Benefits Up to 10 000 Concussion 250 Coverage Tier Employee Only Employee Spouse Employee Child ren Employee Family Pay Cycle Semi Monthly 4 23 8 33 9 56 11 76 Legacy Hospice 2023 2024 Employee Benefits Guide Page 23 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

CANCER HOSPITAL INDEMNITY Plan Year August 1st 2023 through July 31st 2024 Employees have access to comprehensive Cancer and Hospital Indemnity plans which provide lump sum cash payments in addition to any other payments received from the medical plan These benefits are 100 the employee s responsibility and offered through MetLife Below is a brief list of benefits services covered by each plan CANCER Benefit Amount Subcategory Employees 15 000 or 30 000 Spouse Children 50 of employee s elected amount Benefit Full Diagnosis Partial Diagnosis Age Reduction Pre existing Condition Initial Benefit 100 Recurrence Benefit 50 Initial Benefit 25 Recurrence Benefit 12 5 Age 65 25 Age 70 50 3 month lookback 6 months treatment free Premiums for Cancer vary based on age and benefit level To view your premium enter your election into ADP Hospital ICU Admissions Hospital ICU Confinement Newborn Confinement Employee Only Employee Spouse Employee Child ren Employee Family HOSPITAL INDEMNITY 500 500 Limit once each per year 100 100 Limit 15 days per year 50 Limit 2 days Semi Monthly Rates 24 pay periods 7 00 11 93 11 24 16 11 Legacy Hospice 2023 2024 Employee Benefits Guide Page 24 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

ID THEFT PROTECTION Plan Year August 1st 2023 through July 31st 2024 Identity Theft is a self enrollment benefit To elect this plan you can visit https legacyhospice merchantsinfo com or call 1 844 301 3592 You cannot elect within ADP PRODUCTS OPTION 1 OPTION 2 Fully Managed Recovery Provides a dedicated and certifiedRecovery Advocate to work on your behalfto perform all the tasks necessary to help restore your identity to pre theft status Single Bureau Credit Report Score Direct access to your Transunion credit report and score in an easy to read form at from the security of your Identity Care Account Single Bureau Credit Monitoring Credit m onitoring provides protection against identity theft by m onitoring your Transunion credit report for new activity If and when any new activity occurs you will receive an alert which has been triggered by a change in your credit file The alert will provide details on the type of activity which has triggered the change new credit account application for any type of loan or change of address to nam e a few Three Bureau Credit Monitoring Credit m onitoring provides protection against identity theft by m onitoring your credit report from each of the three national credit bureaus for new activity If and when any new activity occurs you will receive an alert which has been triggered by a change in your credit file The alert will provide details on the type of activity which has triggered the change new credit account application for any type of loan or change of address to nam e a few Score Tracker Score Tracker em powers you by providing a m onthly update of the m ost im portant elem ent affecting your financial future your credit score You can clearly view how your credit score has changed over tim e Internet Monitoring Proactively m onitor the Internet and social websites for your inform ation as well as for accounts and personally identifiable information PII that you specify In addition to your registered PII you can m onitor black m arket websites chat room s and bulletin boards for up to 50 unique pieces of personal and account inform ation Monitor the dark web for your credit card num bers and bank account inform ation Get em ail and text alerts access your Identity Care Account to get the details on the severity and recom m endation when any of your m onitored inform ation is located Credential Vault Credential Vault provides you with a m eans to record im portant data about your credit cards and other critical personal inform ation that could be lost with your wallet or purse You can access your personal information while away from hom e from any location with an Internet connection Securely store up to 50 separate pieces of personal inform ation such as credit cards checking accounts savings accounts personal loan inform ation identification inform ation retirement accounts certifications licenses and m ore Lost Document Replacement Protect yourself from the sudden loss for any reason of your purseor wallet In the unfortunate event that you are without your purse or wallet call your dedicated Advocate They will be available to assist you in addressing and replacing the lost docum entation such as credit cards licenses passports personal bank accounts and governm ent issued docum ents to nam e afew Individual Plan Monthly Price Family Plan Monthly Price 5 00 10 00 10 00 20 00 Legacy Hospice 2023 2024 Employee Benefits Guide Page 25 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

VOLUNTARY PET INSURANCE Deductible PET INSURANCE 250 Annual Maximum Benefit 7 500 Choice of Reimbursement Level 50 Reimbursement 70 Reimbursement Accidents Examples of Covered Services Dental Diseases Illnesses Rx Therapeutic Diets and Supplements Hereditary and Congenital Conditions Cancer some exclusions may apply Pet Insurance is a self enrollment benefit TO ELECT THIS PLAN VISIT benefits petinsurance com legacyoperatingco Call 1 877 738 7874 Legacy Hospice 2023 2024 Employee Benefits Guide Page 26 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

CONTACTS Your Carriers Contact Name Medical BlueCross BlueShield AL Pharmacy Prime Therapeutics BCBS Dental MetLife Vision EyeMed Life AD D and Worklife MetLife Disability Lincoln EmployeeConnect Employee Assistance Program Lincoln HSA FSA Navia Your Legacy Hospice Team Contact Name Marina Kazanjian HR Generalist Tanisha Bradford HR Generalist Contact Information Phone 1 800 292 8868 Website www bcbsal org Phone 1 800 292 88689 Website www bcbsal org Phone 1 800 942 0854 Website www metlife com Phone 1 866 800 5457 Website www discovereyemed com Phone 1 800 438 6388 Website www metlife com Phone 1 800 423 2765 Website www lincolnfinancial com Phone 1 888 628 4824 Website www GuidanceResources com Phone 1 800 669 3539 Website www naviabenefits com Email Phone Phone 251 277 9810 Email marina kazanjian legacyhospice net Phone 205 984 1085 ext 115040 Email tanisha bradford legacyhospice net Questions about your benefits Scan the QR code to access our benefits website with full plan documents access links and more WWW LEGACYBENEFITS ORG Legacy Hospice 2023 2024 Employee Benefits Guide Page 27 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

IMPORTANT NOTICES Notice of Patient Protections Prior Authorization Procedures Your BCBS Alabama plan allows you to visit any doctor or hospital you choose However Prior Authorization is required for certain services Make sure Your Provider obtains Prior Authorization before any planned hospital stays except maternity admissions skilled nursing and rehabilitative facility admissions certain outpatient procedures Advanced Radiological Imaging services certain Specialty Drugs and Durable Medical Equipment costing 500 or more Contact BCBS Alabama Customer Service using the number on the back of your medical ID card or online at www bcbsal org to find out which services require Prior Authorization You can also call the customer service department to find out if your admission or other service has received Prior Authorization For more information please refer to your Evidence of Coverage document located online at www bcbsal org Women s Health and Cancer Rights Act of 1998 Patients who undergo a mastectomy and who elect breast reconstruction in connection with the mastectomy are entitled to coverage for Reconstruction of the breast on which the mastectomy was performed Surgery and reconstruction of the other breast to produce a symmetrical appearance and Prostheses and treatment of physical complications at all stages of the mastectomy including Lymphedemas in a manner determined in consultation with the attending physician and the patient The coverage may be subject to Coinsurance and Deductibles consistent with those established for other benefits For more information please refer to your Evidence of Coverage document located online at www bcbsal org Newborns and Mothers Health Protection Act Under federal law group health plans and health insurance issuers offering group health insurance coverage generally may not restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery or less than 96 hours following a dry by cesarean section However the plan or issuer may pay for a shorter stay if the attending provider e g your physician nurse midwife or physician assistant after consultation with the mother discharges the mother or newborn earlier Also under federal law plans and issuers may not set the level of benefits or out of pocket costs so that any later portion of the 48 hour or 96 hour stay is treated in a manner less favorable to the mother or newborn than any earlier portion of the stay In addition a plan or issuer may not under federal law require that a physician or other health care provider obtain authorization for prescribing a length of stay of up to 48 hours or 96 hours However to use certain providers or facilities or to reduce your Out of Pocket costs you may be required to obtain precertification For information on precertification contact your plan administrator Notice of Special Enrollment Rights If you are declining enrollment for yourself or your dependents including your spouse because of other health insurance or group health plan coverage you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage or if the employer stops contributing toward your or your dependents other coverage However you must request enrollment within 31 days after you or your dependents other coverage ends or after the employer stops contributing toward the other coverage In addition if you have a new dependent as a result of marriage birth adoption or placement for adoption you may be able to enroll yourself and your dependents However you must request enrollment within 31 days after the marriage birth adoption or placement for adoption To request special enrollment or obtain more information contact Human Resources Notice of Privacy Practices BCBS Alabama is required to maintain the privacy of all medical information as required by applicable laws and regulations provide a notice of privacy practices to all Members inform Members of the Plan s legal obligations and advise Members of additional rights concerning their medical information For more information please refer to your Evidence of Coverage document located online at www bcbsal org All Members will be notified of any changes by receiving a new notice of the Plan s privacy practices You may request a copy of this notice of privacy practices at any time by contacting BCBS Alabama Uniformed Services Employment and Reemployment Rights Act of 1994 A Subscriber may continue his or her Coverage and Coverage for his or her Dependents during military leave of absence in accordance with the Uniformed Services Employment and reemployment Rights Act of 1994 When the Subscriber returns to work from a military leave of absence the Subscriber will be given credit for the time the Subscriber was covered under the Plan prior to the leave Legacy Hospice 2023 2024 Employee Benefits Guide Page 28 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

PREMIUM ASSISTANCE UNDER MEDICAL AND THE CHILDREN S HEALTH INSURANCE PROGRAM CHIP If you or your children are eligible for Medicaid or CHIP and you re eligible for health coverage from your employer your state may have a premium assistance program that can help pay for coverage using funds from their Medicaid or CHIP programs If you or your children aren t eligible for Medicaid or CHIP you won t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace For more information visit www healthcare gov If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below contact your State Medicaid or CHIP office to find out if premium assistance is available If you or your dependents are NOT currently enrolled in Medicaid or CHIP and you think you or any of your dependents might be eligible for either of these programs contact your State Medicaid or CHIP office or dial 1 877 KIDS NOW or www insurekidsnow gov to find out how to apply If you qualify ask your state if it has a program that might help you pay the premiums for an employersponsored plan If you or your dependents are eligible for premium assistance under Medicaid or CHIP as well as eligible under your employer plan your employer must allow you to enroll in your employer plan if you aren t already enrolled This is called a special enrollment opportunity and you must request coverage within 60 days of being determined eligible for premium assistance If you have questions about enrolling in your employer plan contact the Department of Labor at www askebsa dol gov or call 1 866 444 EBSA 3272 If you live in one of the following states you may be eligible for assistance paying your employer health plan premiums The following list of states is current as of January 31 2023 Contact your State for more information on eligibility ALABAMA Medicaid Website http myalhipp com Phone 1 855 692 5447 COLORADO Health First Colorado Colorado s Medicaid Program Child Health Plan Plus CHP Health First Colorado Website https www healthfirstcolorado com Health First Colorado Member Contact Center 1 800 221 3943 State Relay 711 CHP https www colorado gov pacific hcpf child health plan plus CHP Customer Service 1 800 359 1991 State Relay 711 ALASKA Medicaid The AK Health Insurance Premium Payment Program Website http myakhipp com Phone 1 866 251 4861 Email CustomerService MyAKHIPP com Medicaid Eligibility http dhss alaska gov dpa Pages medicaid default aspx ARKANSAS Medicaid Website http myarhipp com Phone 1 855 MyARHIPP 855 692 7447 FLORIDA Medicaid Website http flmedicaidtplrecovery com hipp Phone 1 877 357 3268 GEORGIA Medicaid Website https medicaid georgia gov health insurance premiumpayment program hipp Phone 678 564 1162 ext 2131 CALIFORNIA Medicaid Website https www dhcs ca gov services Pages TPLRD_CAU_cont aspx Phone 1 800 541 5555 INDIANA Medicaid Healthy Indiana Plan for low income adults 19 64 Website http www in gov fssa hip Phone 1 877 438 4479 All other Medicaid Website http www indianamedicaid com Phone 1 800 403 0864 Legacy Hospice 2023 2024 Employee Benefits Guide Page 29 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

IOWA Medicaid and CHIP Hawki Medicaid Website https dhs iowa gov ime members Medicaid Phone 1 800 338 8366 Hawki Website http dhs iowa gov Hawki Hawki Phone 1 800 257 8563 KANSAS Medicaid Website http www kdheks gov hcf default htm Phone 1 800 792 4884 KENTUCKY Medicaid Kentucky Integrated Health Insurance Premium Payment Program KI HIPP Website https chfs ky gov agencies dms member Pages kihipp aspx Phone 1 855 459 6328 Email KIHIPP PROGRAM ky gov MONTANA Medicaid Website http dphhs mt gov MontanaHealthcarePrograms HIPP Phone 1 800 694 3084 NEBRASKA Medicaid Website http www ACCESSNebraska ne gov Phone 1 855 632 7633 Lincoln 402 473 7000 Omaha 402 595 1178 NEVADA Medicaid Medicaid Website http dhcfp nv gov Medicaid Phone 1 800 992 0900 KCHIP Website https kidshealth ky gov Pages index aspx Phone 1 877 524 4718 Kentucky Medicaid Website https chfs ky gov LOUISIANA Medicaid NEW HAMPSHIRE Medicaid Website www medicaid la gov or www ldh la gov lahipp Phone 1 888 342 6207 Medicaid hotline or 1 855 618 5488 LaHIPP MAINE Medicaid Website http www maine gov dhhs ofi publicassistance index html Phone 1 800 442 6003 TTY Maine relay 711 MASSACHUSETTS Medicaid and CHIP Website https www dhhs nh gov oii hipp htm Phone 603 271 5218 Toll free number for the HIPP program 1 800 852 3345 ext 5218 NEW JERSEY Medicaid and CHIP Medicaid Website http www state nj us humanservices dmahs clients medicaid Medicaid Phone 609 631 2392 CHIP Website http www njfamilycare org index html CHIP Phone 1 800 701 0710 NEW YORK Medicaid Website http www mass gov eohhs gov departments masshealth Phone 1 800 862 4840 MINNESOTA Medicaid Website https www health ny gov health_care medicaid Phone 1 800 541 2831 NORTH CAROLINA Medicaid Website http mn gov dhs people we serve seniors healthcare health care programs programs and services medicalassistance jsp https mn gov dhs people we serve children and families healthcare health care programs programs and services medicalassistance jsp Under ELIGIBILITY tab see what if I have other health insurance Phone 1 800 657 3739 MISSOURI Medicaid Website https medicaid ncdhhs gov Phone 919 855 4100 NORTH DAKOTA Medicaid Website http www dss mo gov mhd participants pages hipp htm Phone 573 751 2005 OKLAHOMA Medicaid and CHIP Website http www nd gov dhs services medicalserv medicaid Phone 1 844 854 4825 UTAH Medicaid and CHIP Website http www insureoklahoma org Phone 1 888 365 3742 Medicaid Website https medicaid utah gov CHIP Website http health utah gov chip Phone 1 877 543 7669 Legacy Hospice 2023 2024 Employee Benefits Guide Page 30 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

OREGON Medicaid Website http healthcare oregon gov Pages index aspx http www oregonhealthcare gov index es html Phone 1 800 699 9075 VERMONT Medicaid Website http www greenmountaincare org Phone 1 800 250 8427 PENNSYLVANIA Medicaid VIRGINIA Medicaid and CHIP Website https www dhs pa gov providers Providers Pages Medical HIPPProgram aspx Phone 1 800 692 7462 Website https www coverva org hipp Medicaid Phone 1 800 432 5924 CHIP Phone 1 855 242 8282 RHODE ISLAND Medicaid and CHIP WASHINGTON Medicaid Website http www eohhs ri gov Phone 1 855 697 4347 or 401 462 0311 Direct RIte Share Line SOUTH CAROLINA Medicaid Website https www scdhhs gov Phone 1 888 549 0820 SOUTH DAKOTA Medicaid Website http dss sd gov Phone 1 888 828 0059 TEXAS Medicaid Website https www hca wa gov Phone 1 800 562 3022 WEST VIRGINIA Medicaid Website http mywvhipp com Toll free phone 1 855 MyWVHIPP 1 855 699 8447 WISCONSIN Medicaid and CHIP Website https www dhs wisconsin gov publications p1 p10095 pdf Phone 1 800 362 3002 WYOMING Medicaid Website http gethipptexas com Phone 1 800 440 0493 Website https wyequalitycare acs inc com Phone 307 777 7531 To see if any other states have added a premium assistance program since July 31 2020 or for more information on special enrollment rights contact either U S Department of Labor Employee Benefits Security Administration www dol gov agencies ebsa 1 866 444 EBSA 3272 U S Department of Health and Human Services Centers for Medicare Medicaid Services www cms hhs gov 1 877 267 2323 Menu Option 4 Ext 61565 Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 Pub L 104 13 PRA no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget OMB control number The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA and displays a currently valid OMB control number and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number See 44 U S C 3507 Also notwithstanding any other provisions of law no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number See U S C 3512 The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information including suggestions for reducing this burden to the U S Department of Labor Employee Benefits Security Administration Office of Policy and Research Attention PRA Clearance Officer 200 Constitution Avenue N W Room N 5718 Washington DC 20220 or email ebsa opr dol gov and reference the OMB Control Number 1210 0137 OMB Control Number 1210 0137 expires 1 31 2023 Legacy Hospice 2023 2024 Employee Benefits Guide Page 31 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

IMPORTANT NOTICE FROM Legacy Hospice ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE FOR PLANS BCBS Alabama 3000 PPO BCBS Alabama 5000 HDHP Please read this notice carefully and keep it where you can find it This notice has information about your current prescription drug coverage Legacy Hospice and about your options under Medicare s prescription drug coverage This information can help you decide whether or not you want to join a Medicare drug plan If you are considering joining you should compare your current coverage including which drugs are covered at what cost with the coverage and costs of the plans offering Medicare prescription drug coverage in your area Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice There are two important things you need to know about your current coverage and Medicare s prescription drug coverage 1 Medicare prescription drug coverage became available in 2006 to everyone with Medicare You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan like an HMO or PPO that offers prescription drug coverage All Medicare drug plans provide at least a standard level of coverage set by Medicare Some plans may also offer more coverage for a higher monthly premium 2 Legacy Hospice has determined that the prescription drug coverage offered by BCBS Alabama are on average for all plan participants expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage Because your existing coverage is Creditable Coverage you can keep this coverage and not pay a higher premium a penalty if you later decide to join a Medicare drug plan When Can You Join A Medicare Drug Plan You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th When Will You Pay A Higher Premium Penalty To Join A Medicare Drug Plan Since the coverage under BCBS Alabama is creditable depending on how long you go without creditable prescription drug coverage you may pay a penalty to join a Medicare drug plan Starting with the end of the last month that you were first eligible to join a Medicare drug plan but didn t join if you go 63 continuous days or longer without prescription drug coverage that s creditable your monthly premium may go up by at least 1 of the Medicare base beneficiary premium per month for every month that you did not have that coverage For example if you go nineteen months without creditable coverage your premium may consistently be at least 19 higher than the Medicare base beneficiary premium You may have to pay this higher premium penalty as long as you have Medicare prescription drug coverage In addition you may have to wait until the following October to join What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan If you decide to join a Medicare drug plan your current BCBS Alabama coverage will not be affected You can keep this coverage if you elect part D and this plan will coordinate with Part D coverage If you do decide to join a Medicare drug plan and drop your current Legacy Hospice coverage be aware that you and your dependents will not be able to get this coverage back until the next Annual Open Enrollment or a mid year qualifying event For More Information About Your Options Under Medicare Prescription Drug Coverage More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare You handbook You ll get a copy of the handbook in the mail every year from Medicare You may also be contacted directly by Medicare drug plans For more information about Medicare prescription drug coverage Visit www medicare gov Call your State Health Insurance Assistance Program see the inside back cover of your copy of the Medicare You handbook for their telephone number for personalized help Call 1 800 MEDICARE 1 800 633 4227 TTY users should call 1 877 486 2048 If you have limited income and resources extra help paying for Medicare prescription drug coverage is available For information about this extra help visit Social Security on the web at www socialsecurity gov or call them at 1 800 772 1213 TTY 1 800 325 0778 Remember Keep this Creditable Coverage notice If you decide to join one of the Medicare drug plans you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and therefore whether or not you are required to pay a higher premium a penalty Date Name of Entity Sender Office Contact Position Phone Address 08 01 2023 Legacy Hospice Marina Kazanjian HR Generalist 251 277 9810 2947 Highway 181 Daphne AL 35626 Legacy Hospice 2023 2024 Employee Benefits Guide Page 32 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

New Health Insurance Marketplace Coverage Options and Your Health Coverage Form Approved OMB No 1210 0149 expires 6 30 2023 PART A General Information When key parts of the health care law take effect in 2014 there will be a new way to buy health insurance the Health Insurance Marketplace To assist you as you evaluate options for you and your family this notice provides some basic information about the new Marketplace and employmentbased health coverage offered by your employer What is the Health Insurance Marketplace The Marketplace is designed to help you find health insurance that meets your needs and fits your budget The Marketplace offers one stop shopping to find and compare private health insurance options You may also be eligible for a new kind of tax credit that lowers your monthly premium right away Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1 2014 Can I Save Money on my Health Insurance Premiums in the Marketplace You may qualify to save money and lower your monthly premium but only if your employer does not offer coverage or offers coverage that doesn t meet certain standards The savings on your premium that you re eligible for depends on your household income Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace Yes If you have an offer of health coverage from your employer that meets certain standards you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer s health plan However you may be eligible for a tax credit that lowers your monthly premium or a reduction in certain cost sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards If the cost of a plan from your employer that would cover you and not any other members of your family is more than 9 5 of your household income for the year or if the coverage your employer provides does not meet the minimum value standard set by the Affordable Care Act you may be eligible for a tax credit 1 Note If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer then you may lose the employer contribution if any to the employeroffered coverage Also this employer contribution as well as your employee contribution to employer offered coverage is often excluded from income for Federal and State income tax purposes Your payments for coverage through the Marketplace are made on an after tax basis How Can I Get More Information For more information about your coverage offered by your employer please check your summary plan description or contact your Human Resources department The Marketplace can help you evaluate your coverage options including your eligibility for coverage through the Marketplace and its cost Please visit HealthCare gov for more information including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area 1 An employer sponsored health plan meets the minimum value standard if the plan s share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs Legacy Hospice 2023 2024 Employee Benefits Guide Page 33 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

Free Discount Program Up to 40 off public prices More than 700K discounts from all the brands you love Local dining and retail theme parks hotels car rentals health and beauty healthcare and auto services online shopping and more Sign up by visiting https thehausergroup accessperks com Or by the Accessperks App Any Questions or concerns can be answered with 24 7 service 877 428 4585 Legacy Hospice 2023 2024 Employee Benefits Guide Page 34 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources

ADDRESS 2947 Highway 181 Daphne AL 35626 PHONE 877 652 6167 Legacy Hospice 2023 2024 Employee Benefits Guide Page 35 The information in this Enrollment Guide is presented for illustrative purposes and the text contained herein was taken from various summary plan descriptions and benefit information While every effort was taken to accurately report your benefits discrepancies or errors are always possible In case of discrepancy between the Guide and the actual plan documents the actual plan documents will prevail All information is confidential pursuant to the Health Insurance Portability and Accountability Act of 1996 If you have any questions about your Guide contact Human Resources