Volkswagen of Corpus Christi : simplebooklet.com

Welcome To Your 2023-2024 BenefitsTable of ContentsVolkswagen of Corpus Christi offers a competitive total rewards package that includes valuable and comprehensive benefits plans. Our goal is to provide employees with tools and resources to help with your decision-making and assist you in accessing care when you need it. Key to our commitment is our Benefits Concierge, Maria Clinkscales. She is available to answer benefits questions and to help direct you to the right resources.Maria can help with questions about the enrollment process, qualified life events, lost ID cards or claims.Maria Clinkscales,Benefits ConciergeBenefits@BrightlineDealer.com888-727-8124Mon – Fri, 8:30 AM – 5:00 PM1Welcome2What's New?3Terms and Definitions4Eligibility & Enrollment6Medical7Rx and Medical Rates8Provider Finder10Virtual Visits12BCBSTX Mobile App13Health Advocacy14Where to Access Care15Dental16Vision17DentalSelect Mobile App18Basic Life and AD&D19Voluntary Life23Short-Term Disability26Long-Term Disability28EAP through OneAmerica29Travel Assistance30Supplemental Benefits31Required Notices38ContactsIf you and/or your dependent(s) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see REQUIRED NOTICES for more details.ABOUT THE BENEFITS GUIDEThis Benefits Guide describes the highlights of the program in non-technical language. Your specific rights tobenefits under the plan are governed solely, and in every respect, by the official Plan Documents, and notinformation in the Guide. If there is any discrepancy between the description of the program elements ascontained in this Guide and the official Plan Documents, the language of the official Plan Documents shall prevailas accurate. Some or all elements of the benefits program may be modified in the future, at any time, to meetrequired regulations or otherwise as decided by the employer. 1

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WHAT’S NEW? WHAT’S THE SAME?Each employee and family are important to us. We strive to offer a comprehensive employee benefits package that can be customized and tailored to your personal preferences. Below is a summary of our programs, with additional details on the following pages.WHAT’S NEW?Benefits Concierge – Maria Clinkscales – is here to help you!Maria is your white glove resource to answer questions about our benefit coverages. She is here to help you with enrollment questions, provide direction to the right service provider for more complex issues, or how to access a provider’s website. She is a confidential resource dedicated to providing you and your family assistance when you need it. If you are unsure where to turn, start with Maria at benefits@brightlinedealer.com or call 888-727-8124.WHAT’S THE SAME?Preventive Care benefitsRemember, our medical and dental plans cover preventive services at 100% (no deductible applies) when you visit an in-network provider.Virtual Care VisitsVirtual Care visits are easy, convenient, and available at a low cost to you! Our medical plan provides 24/7 access to doctors through United Healthcare.A Health Advocate is also here to help you!The team of Health Pros at Alight through freshbenies can help with locating network providers, reviewing bills and EOBs to ensure accuracy, and can even negotiate with providers, when needed. This valuable service is available to all eligible employees at no cost. All ancillary coverages remain the same with Dental Select, OneAmerica and Colonial.New Medical insurance carrier -We will be moving our medical coverage to BlueCross BlueShield of Texas. Volkswagen of Corpus Christi offers three medical plan options through BlueCross BlueShield of Texas. 2

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Terms and DefinitionsBenefits ConciergeA resource for employees to answer questions related to enrollment, benefits, ID cards or logging into the insurance portals.Always a good starting point when employees need assistance. If more in-depth service related to claims, billing, or providers is needed, the Concierge will enlist assistance for the member from the Health Advocate.CoinsuranceYour share of the costs of a covered medical service (typically after the deductible is met) calculated as a percent of the allowed amount for the service. For example, if your plan has a 30% coinsurance rate, the Carrier will pay 70% of the allowed amount while you pay 30% until you reach the Out-of-Pocket Maximum.CopaymentA fixed amount that you pay at the time of service. Copays are most common for doctor office visits, urgent care visits, emergency room, and prescription drugs. In some cases, you may be responsible for paying a copay as well as percentage of the remaining charges.DeductibleThe amount you pay before the insurance carrier starts sharing the expense of your medical care. Major medical expenses such as inpatient/outpatient surgeries, MRIs, and CT scans typically apply to the deductible.Explanation of Benefits (EOB)Commonly referred to as an "EOB". The EOB is an extremely useful document as it explains how the insurance carrier processed your claim. It shows the billed charges from the provider, the network discount applied, and what the resulting Negotiated Rate is. ( Provider Charge - Network Discount = Negotiated Rate ) It also shows whether the service was applied to your deductible or paid as a copay. It isnot a bill, but merely an explanation of how the insurance carrier paid your claim.Health Pro – Health AdvocacyA valuable resource for employees who have escalated claims issues, billing problems or need detailed information on network providers. The Health Pro will analyze bills and EOBs, negotiate with providers, recommend lower cost drug options and will even make appointments for members. In-Network ProviderA provider who has a contract with your health insurer or plan to provide services to you at a discount and have agreed to accept reduced fees for services provided to plan members. Using in-network providers will cost you less money. Negotiated/Contracted RateWhen a Provider (doctor, facility, pharmacy or hospital ) contracts with an insurance carrier, they are considered In-Network. Part of the contract states that the provider will accept a lower payment (lower than what they normally charge) from the insurance carrier as payment in full. This lower payment is the Negotiated Rate.Out-of-Pocket MaximumThe most you will pay for covered medical expenses during your deductible period and then coverage is 100% for the remainder of the year.Preferred Provider Organization (PPO)A PPO is a type of insurance network where you may choose to obtain care in or out of your network. If you choose to visit a “Preferred” or “In-Network” provider, your out-of-pocket expenses will be significantly less than if you visit a provider outside your network. Preventive CareMedical treatments performed with the intention of preventing a health issue. For example, vaccinations and age-appropriate screenings are typically considered to be preventive. 3

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Who is Eligible?Full-time employees who work 30 hours ormore per week are eligible to enroll in thebenefits outlined in this Guide. In addition,the following family members are eligible toparticipate:• Your legal spouse• Your eligible child(ren) up to age 26 formedical, dental or vision coverage (naturalchildren, stepchildren, legally-adoptedchildren, and child(ren) for whom you arethe court-appointed guardian); othercoverage may have different age limits.• Physically or mentally disabled children ofany age who are incapable of self-support.Proof of disability may be requested.Qualified Life Events include:• Marriage, Divorce, Legal Separation• Birth or adoption of a child• Change in child’s dependent status• Death of a spouse, child or otherqualified dependent• Change in employment status or achange in coverage under anotheremployer-sponsored plan• Dependent loses eligibility due to ageNew hires: You will become eligible for benefits the 1st day of the month following 60 days of employment. The benefits elected will be effective through June 30, 2024.Current employees:Open Enrollment occurs each year, this is the time for you to make any changes. Benefits elected during Open Enrollment will be effective July 1, 2023 – June 30, 2024.How to Make Changes:Your elections are intended to remain in place until the next open enrollment. If you experience a qualified life event, you must contact Human Resources within 30 days of the event.Eligibility & EnrollmentVolkswagen of Corpus Christi employeeswill make their elections on EmployeeNavigator. All eligible employees need tosubmit, whether or not they are electingbenefits.Before beginning enrollment, please haveall pertinent information available forboth yourself and any dependent(s) youwant to enroll. Information such as,dates of birth, and social securitynumbers, will be required along withbeneficiary designations. During theenrollment process, you will have anopportunity to add the dependents youwant to be covered. Each benefitelection is independent, meaning you canenroll dependents in certain benefits andnot enroll them in other benefits.Please remember that the elections youmake must stay in place through theentire plan year unless you experience aQualified Life Event.How to Enroll: 4

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EnrollmentHow to EnrollVolkswagen of Corpus Christi will be utilizing Employee Navigator, an online platform, to make Open Enrollment elections. Prior to your effective date, you will be contacted with additional information on how to make your elections in the system. Go all the way through the enrollment wizard to complete and submit ALL of your enrollment elections and generate a confirmation. If you are in the enrollment process and you select a benefit and then hit, “SAVE AND CONTINUE” at any point, you WILL be enrolled in that benefit.During the enrollment process, you will need all pertinent information available for both yourself and any dependent(s) you want to enroll. Information such as dates of birth and social security numbers will be required, along with beneficiary designations. When making your elections, you will have an opportunity to add the dependents you wish to cover. Each benefit election is independent, meaning you may enroll dependent(s) in certain benefits and not enroll them in other benefits. 5

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Carrier NameBlueCross BlueShield of TexasNetworkBlue Choice -PPOBlue Choice -PPOBlue Advantage -HMOPlan NameMTBCP011 MTBCB024 MTBAB032Summary of Medical BenefitsYou Pay You Pay You PayAnnual Deductible (Individual | Family)$1,000 | $3,000 $2,500 | $7,500 $3,500 | $10,500Coinsurance Percentage20% 30% 30%Out-of-Pocket Maximum (Individual | Family) Includes deductible, coinsurance & copays$4,000 | $12,000Then plan pays 100%$5,500 | $14,700Then plan pays 100%$7,900 | $15,800Then plan pays 100%Professional ServicesOffice Visits$30 $35 $35Virtual Visits (Primary Care | Specialist) $30 | $60 $35 | $70 $35 | $70Specialist Visits$60 $70 $70Preventative Care No Charge No Charge. No ChargeLab & X-Ray No Charge 30% after ded. 30% after ded.Imaging & Diagnostic Testing (CT, MRI, PET) 20% after ded. 30% after ded. 30% after ded.Hospital ServicesInpatient Hospital20% after ded. 30% after ded. 30% after ded.Outpatient Hospital20% after ded. 30% after ded. 30% after ded.Emergency ServicesUrgent Care$75 $75 $75Emergency Room$500 + 20% after ded.$500 + 30% after ded.$500 + 30% after ded.Out-of-Network(separate from In-Network)Annual Deductible(Individual | Family)$2,000 | $6,000$5,000 | $15,000N/ACoinsurance Percentage40% 50% N/AOut-of-Pocket Maximum(Individual | Family)Unlimited Unlimited N/AMedicalVolkswagen of Corpus Christi offers three medical plan options through BlueCross BlueShield of Texas. Below is a coverage comparison of the three options with two different networks:Find a provider: https://www.bcbstx.com/find-care/providers-in-your-network/find-a-doctor-or-hospital and then select Blue Choice PPO [BCA], if you are enrolled in either PPO plan. Select Blue Advantage HMO [BAV], if you are enrolled in the HMO plan. All benefits accumulate on a calendar year basis and start over each January 1st.Summary of Benefits and Coverage documents are available upon request to the Human Resources department. 6

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Rx BenefitsVolkswagen of Corpus Christi’s plans through BlueCross BlueShield of Texas provide coverage for medications for you and any covered dependents. All benefits accumulate on a calendar year basis and start over each January 1st.MTBCP011 MTBCB024 MTBAB032Prescription Drugs - from a Preferred or Non-Preferred PharmacyPreferred GenericTier 1: $0 Tier 1: $0 Tier 1: $0Non-Preferred Generic Tier 2: $10 Tier 2: $10 Tier 2: $10Preferred BrandTier 3: $50 Tier 3: $50 Tier 3: $50Non-Preferred BrandTier 4: $100 Tier 4: $100 Tier 4: $100Preferred Specialty Tier 5: $150 Tier 5: $150 Tier 5: $150Non-Preferred SpecialtyTier 6: $250 Tier 6: $250 Tier 6: $250Medical Rates WEEKLY 52MTBCP011 MTBCB024 MTBAB032Employee Only $88.85 $59.66 $25.00Employee/Spouse $326.82 $254.32 $168.23Employee/Child(ren)$267.91 $206.14 $132.78 Employee/Family $505.88 $400.80 $276.02SEMI-MONTHLY 24MTBCP011 MTBCB024 MTBAB032Employee Only $192.51 $129.27 $54.17Employee/Spouse $708.10 $551.04 $364.51 Employee/Child(ren)$580.48 $446.64 $287.69 Employee/Family $1,096.08 $868.41 $598.04 7

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FGBlue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationMNHIJIf you know your Plan/Network, then narrow search to show only in-networkprovidersF. Select plan/network from the drop down list(skip to Step K)If you do not know your Plan/NetworkNarrow SearchG. Select Find your plan/network by answering afew short questionsAnswer the following questionsH. Select How do you get your insurance?I. Select What state do you live in?Select a PlanJ. Select Select a plan/networkComplete at Least One of the FollowingK. Search for specic names or specialtiesL. Select a category from theBrowse by Category tilesKLMore Focused ResultsSearching all plans/networks will sort by distance. Select a particular plan/network to sort by best match.M. Select Accepting New Patients or adjust distancefrom selected locationN. Select the provider you wish to viewO. View Plans/Networks AcceptedO754488.1021 9

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Virtual Visits: Get Cost-Effective, 24/7 CareWith Virtual Visits from MDLIVE®, the doctor is always in. This Blue Cross and Blue Shieldof Texas (BCBSTX) benefit gives you access to 24/7 non-emergency care from a board-certified doctor or therapist by phone, online video or mobile app from almost anywhere.Skip expensive ER bills and waiting to see a doctor. You can speak with a Virtual Visits doctor within minutes.Services are available in both English and Spanish with translation services available inother languages.Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation,a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association 10

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Virtual Visits may be limited by plan. For providers licensed in New Mexico and the District of Columbia, Urgent Care service is limited to interactive online video; Behavioral Health service requires video for the initial visit but may use video or audio for follow-up visits, based on the provider’s clinical judgment. Behavioral Health is not available on all plans. MDLIVE is a separate company that operates and administers Virtual Visits for Blue Cross and Blue Shield of Texas. MDLIVE is solely responsible for its operations and for those of its contracted providers. MDLIVE® and the MDLIVE logo are registered trademarks of MDLIVE, Inc., and may not be used without permission. • Call 888-680-8646• Go to MDLIVE.com/bcbstx• Text BCBSTX to 635-483• Download the appActivate your VirtualVisits account today:First, call your doctor’s office; they may also offer telehealth consultations by phone or online video.If you have any questions about this or any other BCBSTX benefit, please call the number on the back ofyour ID card.Virtual Visits sessions with licensed behavioral health therapists are available by appointment. Get virtual care for:• Depression• Eating disorders• ADHD• Substance use disorders• Trauma and PTSD• Autism spectrum disorder• Allergies• Cold/Flu• FeverThe Virtual Visits benefit is a convenient alternative for treatment of more than 80 health conditions, including:• Headaches• Nausea• Sinus infectionsWhy Virtual Visits?• 24/7 access to an independentlycontracted, board-certified doctoror therapist• Access via phone, online video ormobile app from almost anywhere• Average wait time of less than20 minutes• Doctors can send e-prescriptionsto your local pharmacyBlue Cross® , Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. 11

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* Availability varies by device.** Message and data rates may apply. Terms and conditions and privacy policy at bcbstx.com/member/account-access/mobile/text-messaging.Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association We’re with you wherever you go727545.0523Download the Blue Cross and Blue Shield of Texas (BCBSTX) App to manage your health wherever you are.• Find an in-network doctor, hospital or urgent care facility• Access your claims, coverage and deductible information• View or print your member ID card• Log in securely with your ngerprint or face recognition*• View your Explanation of BenetsThen, Manage Your PreferencesIn the BCBSTX App:• Update your prole with your mobile number.• Set your notication preferences to text.Choose the messages and information you want to get:• Claims, prior authorization or referral updates• New documents to review• Secure message notications• Find out about new benets and servicesReady to get started? Text BCBSTXAPP to 33633** to get the app.Available in Spanish 12

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Where to Access CareWhen you need medical care, keep in mind that every type of facility has different cost structures.By utilizing virtual visits, convenience care or primary care providers, you can lower your out-of-pocket costs.Type of Facility Common issues$$Virtual VisitA virtual visit allows you to see a doctor via your smartphone, tablet or computer.Bladder infections, allergies, bronchitis, coughs/colds, diarrhea, pink eye, rashes, seasonal flu, sore throat, fever$$Convenience Care ClinicVisit a convenience care clinic if you cannot see your regular doctor and your health issue is not urgent. These clinics are often inside stores. Common infections, strep throat, poison ivy, vaccinations, pregnancy tests, earaches$$Primary Care PhysicianGo to a doctor’s office for preventive care. They can access your medical records, manage medications, and refer you to a specialist, if needed. Check-ups, preventive services, minor skin conditions, general health management, pregnancy, vaccinations$$$Urgent Care ClinicUrgent care is ideal for when you need care quickly, but it is not an emergency. Urgent care centers treat non-life-threatening issues. Strains, small cuts, minor burns, minor infections, minor broken bones$$$$Free-Standing Emergency RoomFree- standing ER clinics treat most major injured, but not trauma or cardiac services. Often appear as an Urgent Care center, but if open 24 hours/day, typically that is considered a free-standing ER. Minor and major injuries, no trauma or cardiac services, serious medical conditions may require transfer to hospital$$$$Hospital Emergency RoomThe ER is for life-threatening or very serious conditions that require immediate care. This is also when to call 911. Large open wounds, sudden vision change, sudden weakness, major burns, spinal injuries, severe head injury, breathing difficulty, chest pain 14

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DentalVolkswagen of Corpus Christi offers 2 PPO dental plan options with Dental Select. The plans contain both IN and OUT of network benefits. Your out-of-pocket amounts should be less when you utilize a network dentist.All benefits accumulate on a calendar year basis and start over each January 1st.TO LOCATE A DENTAL PROVIDER, GO TO: www.dentalselect.com and search the PLATINUM network.PPO Dental Low Plan (You pay)PPO Dental High Plan (You pay)Calendar Deductible Individual/Family (Types 2 & 3 services)$50/$150 $50/$150Calendar Year Maximum Benefit (per person)$1,500 UnlimitedType I -Preventive Services 0% no deductible 0% no deductibleType 2 - Basic Services 0% after deductible 20% after deductibleType 3 - Major Services 40% after deductible 50% after deductibleOrthodontiaNot Covered Not CoveredReasonable & Customary for Out- of- Network Services 90thpercentile of Reasonable & Customary90thpercentile of Reasonable & CustomaryDental RatesWEEKLY 52LOW PLAN HIGH PLANEmployee Only $5.55 $7.19Employee/Spouse $11.11 $14.39Employee/Child(ren) $11.63 $15.07Employee/Family $17.81 $23.08SEMI-MONTHLY 24LOW PLAN HIGH PLANEmployee Only $12.02 $15.59Employee/Spouse $24.07 $31.18Employee/Child(ren) $25.20 $32.65 Employee/Family $38.60 $50.02 15

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VisionVolkswagen of Corpus Christi offers Vision insurance through DentalSelect. It helps pay the cost of eye exams, and necessary lenses and frames, if prescribed. Benefits will be paid at a higher level when utilizing a provider in the network.LOCATE A VISION PROVIDER AT www.dentalselect.com and choose the EyeMed Select network.Vision ServicesIn-Network(You Pay)Out-of-Network(Reimbursement)Schedule for Exams (frequency) Once every 12 Months Once every 12 MonthsPayment Amount for Exams $10 copay Up to $35Schedule for Lenses or Contact Lenses (frequency)Once every 12 Months Once every 12 MonthsPayment Amount for LensesSingle $10 copay Up to $25Bifocal $10 copay Up to $40TrifocalStandard Progressive$10 copay$75 copayUp to $55Up to $40Contact Lenses (in lieu of glasses)Conventional$0 copay, $120 allowance15% off balance over $120Up to $100Disposable$0 copay, $120 allowance+ balance over $120Up to $100Medically Necessary $0 Copay – Paid in Full Up to $200Applies to individuals whose vision cannot be corrected with glasses.Frames$0 copay$100 allowance +Up to $5020% off balance over $100Schedule for Frames (frequency) Once every 12 Months Once every 12 MonthsVision RatesWEEKLY 52 SEMI-MONTHLY 24Employee Only $1.61 $3.49Employee/Spouse $3.22 $6.99Employee/Child(ren)$3.45 $7.48Employee/Family $5.52 $11.95 16

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Supplemental BenefitsSupplemental benefits provide protection for you and your family and can be customized to meet your own personal needs. The following plans are available through Colonial on a voluntary basis: Accident, Disability, Life, Critical Illness and Cancer. Accident – Helps offset expenses incurred after experiencing a covered accidental injury.Voluntary Life – Provides financial security for you and your family and can be customized to meet your specific needs. Critical Illness – Supplements any medical coverage with lump sum benefits when diagnosed with a covered critical illness. Cancer – Helps to offset the high cost of treatment related to a cancer diagnosis. Hospital Indemnity – Helps to offset the high cost of inpatient hospital care. 30

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Required NoticesThe Benefits Guide contains required notices for all participants in a group-sponsored health plan. The following notices are included in this Guide. Pleasereview each notice to see how it may affect coverage for your or your family.Premium Conversion Plan – Illustrates how participation in this tax-savings plancan result in lower premiums deducted from pay for employee benefits.Medicare Part D Notice – Provides information about how your currentprescription drug coverage under the health care plan is affected and your optionsfor coverage once you become eligible for Medicare.Newborn and Mothers Health Protection Notice – Describes federal laws thatgovern benefits for hospital stays for mothers following the birth of a child.Women’s Health and Cancer Rights – Summarizes benefits available under yourmedical plan if you had or are going to have a mastectomy.Notice of Special Enrollment Rights – Explains when you can enroll in thehealthcare plan due to special circumstances.60-Day Special Enrollment Period - Describes a special 60-day timeframe to elector discontinue coverage.CHIP Notice – Provides information about Premium Assistance under Medicaidand the Children’s Health Insurance Program. 31

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Premium Conversion – Pre-Tax DeductionsThe purpose of the Premium Conversion Plan is to allow you to purchase coverage with pre-tax dollars.The advantage of this plan is that you pay no federal taxes on the contributions you make. This means ahigher take home pay for you than if you purchased these same benefits with after-tax dollars. You areautomatically enrolled in this plan for applicable payroll deductionsHere is an example of the annual savings from a Premium Conversion Plan:WITH PRE-TAX WITHOUT PRE-TAXGross Annual SalaryGross Monthly Salary$50,000$4,167$50,000$4,167Pre-Tax Family Medical Plan Monthly Contributions- $1,026 $0Pre-Tax Family Dental PPO Contributions- $91 $0Taxable MonthlyIncome $3,050 $4,167FICA Tax (at 7.65%) - $233 - $319Federal Income Tax (at 15%) - $458 - $625NetIncome $2,359 $3,223After Tax Family Medical Contributions $0 - $1,026After Tax Family Dental Contributions $0 - $91Take HomePay $2,359 $2,106MonthlyDiﬀerence: $253AnnualSavings: $3,036Premium Conversion Participation RulesWith pre-tax contributions, you are required by the IRS to make all enrollment elections prospectively for the plan year and cannot change the elections until the following enrollment period unless you experience a qualiﬁed “life event” such as:• Change in employee’s legal marital status (marriage, divorce).• Change in number of tax dependents (birth, adoption, placement for adoption).• Termination or commencement of employment by the employee, spouse or dependent.• Change in the employee’s, spouse’s or dependent’s work schedule that would impact theindividual’s eligibility for coverage.• Dependent satisﬁes or ceases to satisfy dependent eligibility requirements.• Change in residence or worksite of employee, spouse or dependent that would impact theindividual’s eligibility for coverage.• Signiﬁcant change in the health care cost for the employee or spouse attributable to the spouse’semployment.• HIPAA special enrollment rights (acquisition of new dependents or loss of other coverage).• Mid-year eligibility for, or loss of, Medicare or Medicaid.• Commencing or returning from unpaid leave, such as FMLA.• Spouse and Employee “mismatched” enrollment period. 32 EXAMPLE

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Required NoticesMedicare Part D NoticeImportant Notice from Volkswagen of Corpus Christi About Your Prescription Drug Coverage and MedicareThis Notice Applies to You (or Dependent) ONLY if such person is (1) enrolled in a group medical plan offered byVolkswagen of Corpus Christi AND (2) eligible for Medicare.Please read this notice carefully and keep it where you can find it. This notice has information about yourcurrent prescription drug coverage with Volkswagen of Corpus Christi and about your options underMedicare’s prescription drug coverage. This information can help you decide whether or not you want tojoin 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 offeringMedicare prescription drug coverage in your area. Information about where you can get help to makedecisions 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 prescriptiondrug coverage:1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can getthis coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMOor PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level ofcoverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.2. Volkswagen of Corpus Christi has determined that the prescription drug coverage offered by theVolkswagen of Corpus Christi Employer Health Plan is, on average for all plan participants, expected to payout as much as standard Medicare prescription drug coverage pays and is therefore considered CreditableCoverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not paya 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.However, if you lose your current creditable prescription drug coverage, through no fault of your own, youwill also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.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 Volkswagen of Corpus Christi coverage will not be affected.IF you do decide to join a Medicare drug plan and drop your current Volkswagen of Corpus Christicoverage, be aware that you and your dependent(s) may not be able to get this coverage back.When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?You should also know that if you drop or lose your current coverage with Volkswagen of Corpus Christi anddon’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay ahigher premium (a penalty) to join a Medicare drug plan later.If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premiummay go up by at least 1% of the Medicare base beneficiary premium per month for every month that you didnot have that coverage. For example, if you go nineteen months without creditable coverage, your premium 33

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Required Noticesmay consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to paythis higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, youmay have to wait until the following October to join.For More Information About This Notice or Your Current Prescription Drug CoverageContact the person listed below for further information. NOTE: You’ll get this notice each year. You will alsoget it before the next period you can join a Medicare drug plan, and if this coverage through Volkswagen ofCorpus Christi changes. You also may request a copy of this notice at any time.For More Information About Your Options Under Medicare Prescription Drug CoverageMore 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 becontacted 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 isavailable. 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 theMedicare drug plans, you may be required to provide a copy of this notice when you jointo 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: Contact--Position/Office:Address:Phone Number:07/01/2023Volkswagen of Corpus Christi Dorise Steele / CFO6902 S. Padre Island, Corpus Christi, TX 78412361-653-8406 34

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Required NoticesNEWBORN AND MOTHER HEALTH PROTECTION ACT NOTICEGroup health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospitallength of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginaldelivery, or less than 96 hours following a cesarean section.However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with themother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plansand issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuerfor prescribing a length of stay not in excess of 48 hours (or 96 hours).WOMEN’S HEALTH AND CANCER RIGHTS ACTIf you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Healthand Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be providedin a manner determined in consultation with the attending physician and the patient, for:• All stages of reconstruction of the breast on which the mastectomy wasperformed;• Surgery and reconstruction of the other breast to produce a symmetrical appearance;• Prostheses; and• Treatment of physical complications of the mastectomy, including lymphedema.These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgicalbenefits provided under this plan.NOTICE OF SPECIAL ENROLLMENT RIGHTSIf you are declining enrollment for yourself or your dependents (including your spouse) because of other health insuranceor group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or yourdependents 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 30 days after your or your dependents’ other coverageends (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 beable to enroll yourself and your dependents in Volkswagen of Corpus Christi medical coverage by contacting the BenefitsSpecialist to request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.60-DAY SPECIAL ENROLLMENT PERIODIf you are declining enrollment for yourself or your dependents (including your spouse) while coverage under Medicaid ora state Children’s Health Insurance Program (CHIP) is in effect, you may be able to enroll yourself and your dependents inthis plan if you or your dependents lose eligibility for that other coverage. However, you must request enrollment within60 days after your or your dependents’ Medicaid or CHIP coverage ends. If you or your dependents (including your spouse)become eligible for a state premium assistance subsidy from Medicaid or a CHIP program with respect to coverage underthis plan, you may be able to enroll yourself and your dependents (including your spouse) in this plan. However, you mustrequest enrollment within 60 days after you or your dependents become eligible for the premium assistance. 35

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Required NoticesCHIP NOTICEPremium Assistance Under Medicaid 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 employer-sponsored 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). ALABAMA – Medicaid, http://www.myalhipp.com Phone: 1‐855‐692‐5447 ALASKA – Medicaid, http://dhss.alaska.gov/dpa/Pages/medicaid/default.as px, 1-866-251-4861, Customer Service@MyAKHIPP.com ARKANSAS – Medicaid, http://myarhipp.com/, 1-855-692-7447 CALIFORNIA – Medicaid, http://dhca.gov/hipp, 916-445-8322, hipp@dhcs.ca.gov COLORADO – Medicaid and CHP+ , https://www.healthfirstcolorado.com/, 1-800-221-3943, https://www.colorado.gov/hcpf/child- health-plan-plus, 1-800-359-1991 FLORIDA – Medicaid, https://www.flmedicaidtplrecovery.com/hipp/index.html, 1‐877‐357‐3268 GEORGIA – Medicaid, https://medicaid.georgia.gov/health- insurance-premium-payment-program-hipp 678-564-1162 4 INDIANA – Medicaid, http://www.in.gov/fssa/hip/, 877-438-4479 or https://www.in.gov/medicaid/, 800-457-4584 IOWA – Medicaid and CHIP, https://dhs.iowa.gov/ime/members : 1-800-338-8366 , Hawki: http://dhs.iowa.gov/Hawki, 1-800-257-8563 HIPP https://dhs.iowa.gov/ime/members/medicaid-a-to- z/hipp, 1-888-346-9562KANSAS – Medicaid, https://www.kancare.ks.gov/ , 1-800-792-4884KENTUCKY – Medicaid https://chfs.ky.gov/agencies/dms/member/Pages/kihi pp.aspx, 1-855-459-6328,KIHIPP.PROGRAM@ky.gov, : 1-877-524-4718, https://chfs.ky.govLOUISIANA – Medicaid www.medicaid.la.gov or www.ldh.la.gov/lahipp, : 1-888-342-6207 or 1-855-618-5488 (LaHIPP)MAINE – Medicaid, https://www.maine.gov/dhhs/ofi/applications-forms, or 1‐800‐442‐6003 TTY: Maine relay 711MASSACHUSETTS ‐ Medicaid and CHIP http://www.mass.gov/MassHealth, or 1‐800‐462‐1120MINNESOTA – Medicaid: https://mn.gov/dhs/people-we-serve/children-and- families/health-care/health-care-programs/programs-and- services/other-insurance or 1‐800‐657‐3739MISSOURI – Medicaid, http://www.dss.mo.gov/mhd/participants/pages/hipp.htm or 573‐751‐2005 36

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Required NoticesMONTANA – Medicaid, http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP or 1‐800‐694‐3084 NEBRASKA – Medicaid, http://www.ACCESSNebraska.ne.gov or 1‐855‐632‐7633 Omaha 402-595-1178 NEVADA – Medicaid, http://dwss.nv.gov/, Medicaid 1‐800‐992‐0900 NEW HAMPSHIRE – Medicaid, https://www.dhhs.nh.gov/oii/hipp.htm or 603‐271‐5218 NEW JERSEY ‐ Medicaid and CHIP, Medicaid http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Medicaid 1‐609‐631‐2392, CHIP http://www.njfamilycare.org/index.html or 1‐800‐701‐0710 NEW YORK – Medicaid https://www.health.ny.gov/health_care/medicaid/ or 1‐800‐541‐2831 NORTH CAROLINA ‐ Medicaid http://www.ncdhhs.gov/dma or 919‐855‐4100 NORTH DAKOTA – Medicaid, http://www.nd.gov/dhs/services/medicalserv/medicaid/ or 1‐844‐854‐4825 OKLAHOMA ‐ Medicaid and CHIP http://www.insureoklahoma.org or: 1‐888‐365‐3742 OREGON – Medicaid http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html :or 1‐800‐699‐9075 PENNSYLVANIA ‐ Medicaid, https://www.dhs.pa.gov/Services/Assistance/Pages/HIPP- Program.aspx or 1‐800‐692‐7462 RHODE ISLAND ‐ Medicaid and CHIP, www.eohhs.ri.gov or 401‐462‐5300 SOUTH CAROLINA ‐ Medicaid http://www.scdhhs.gov or 1‐888‐549‐0820 SOUTH DAKOTA ‐ Medicaid http://dss.sd.gov or 1‐888‐828‐0059 TEXAS – Medicaid, http://www.gethipptexas.com/ 1‐800‐440‐0493 UTAH ‐ Medicaid and CHIP, Medicaid https://medicaid.utah.gov/, CHIP http://health.utah.gov/chip 1‐877‐543‐7669 VERMONT‐ Medicaid, http://www.greenmountaincare.org/, Phone: 1‐800‐250‐8427 VIRGINIA ‐ Medicaid and CHIP, https://www.coverva.org/en/famis-select . https://www.coverva.org/en/hipp or Medicaid 1-800-432-5924, CHIP 1-800-432-5924 WASHINGTON ‐ Medicaid, https://www.hca.wa.gov/ 1-800-562-3022 WEST VIRGINIA-Medicaid and CHIP, https://dhhr.wv.gov/bms/ http://mywvhipp.com/ Medicaid 304-558-1700, CHIP 1-855-MyWVHIPP (1-855-699- 8447)WISCONSIN – Medicaid and CHIP, https://www.dhs.wisconsin.gov/badgercareplus/p- 10095.htm or 1‐800‐362‐3002WYOMING – Medicaid, https://health.wyo.gov/healthcarefin/medicaid/programs-and-eligibility/ or 1-800-251-1269To see if any more States have added a premium assistance program since January 31, 2022, or for more information on special enrollment rights, you can 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 OMB Control Number 1210‐0137 {expires 01/31/2023) 37

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Below is contact information for our benefits carriers and vendors. If needed, feel free to contact them directly or our Benefits Concierge, Maria Clinkscales. She is available to help with any questions or concerns.ContactsBenefits Concierge Maria ClinkscalesBenefits@BrightlineDealer.com888-727-8124Health AdvocacyfreshbeniesAlight Advocacywww.freshbenies.com/membersHealth Pro: 877-412-3108Rx Savings: 855-647-6762freshbenies@alight.comMedicalBlueCross BlueShieldwww.bcbstx.com888-657-6061Dental and VisionDentalSelectwww.dentalselect.comGroup # 14045286800-999-9789Basic Life and AD&DVoluntary Life and AD&D EAPTravel AssistanceOneAmericawww.OneAmerica.comGroup # 00621349800-553-5318Short Term DisabilityLong Term DisabilityOneAmericawww.OneAmerica.comGroup # 00621349855-517-6365Supplemental BenefitsColonialwww.ColonialLife.com800-325-4368Human Resources Dorise Steele, CFOdsteele@vwofcc.com361-653-8406 38

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