CPC - 4.2026 Benefits Guide

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2017 BENEFITS 2026 BENEFITS

YOUR BENEFITS. YOUR CHOICES. YOUR HEALTH.

[Company] is pleased to introduce our employee benefits plan offerings, designed specifically to benefit you, effective January 1, [year].

WELCOME

CPC takes pride in offering a comprehensive employee benefits program that meets our employees ’ evolving needs and ensures a level of security and protection. We recognize the important role employee benefits play as a critical component of your overall compensation and will continue to target the best quality benefit plans for you and your family. It is Open Enrollment time - the annual period when our insurance carriers issue new rates and allow changes to be made in the plan designs and employee elections. After an extensive analysis of the HIP renewal and plan options, CPC has decided to remain with HIP and Guardian. CPC will continue to offer two plans. The low/base plan, HIP HMO with the Select Network (HIP Select) and the “ buy - up/ high ” plan, HIP HMO with the Prime Network (HIP Prime) The Guardian Dental plan will continue to be offered without any changes. Details of the plans are illustrated on the following pages. The benefit elections you make during Open Enrollment will remain in effect from April 1, 2026 through March 31, 2027. You will not be able to make changes to your elections during the plan year unless there is a change in your family status (e.g. marriage, divorce, death of spouse or child, birth or adoption of a child, and termination of employment of spouse). Make the choices that are best for your and your family.

TABLE OF CONTENTS

Advocacy

Medical Benefits

Medical Resources

Dental Benefits

Paycom

Insurance Glossary

8 - 9

Voluntary Benefits

10 - 11

Disclosures

12 - 13

Please contact BenefitsVIP or Human Resources with any questions.

This guide provides a general overview of your benefit choices to help you select the coverage that is right for you. Every effort has been made to ensure the accuracy of the information presented. However in the event of any discrepancies, your actual coverage will be determined by the legal plan documents that govern the respective coverage.

QUESTIONS? Call BenefitsVIP at 866.293.9736

ADVOCACY

HELP STARTS HERE BenefitsVIP is a powerful, one - stop contact center staffed by seasoned professionals. Your dedicated team of employee benefits advocates is ready to help you and your family members resolve your benefits issues.

For service that ’ s confidential and responsive, contact:

BenefitsVIP.com Request member assistance and order ID cards with a click.

866.293.9736 Monday - Friday 8:30am - 8:00pm (ET) Fax: 856.996.2775 Solutions@benefitsvip.com

QUESTIONS ANSWERED HERE COMPLETELY CONFIDENTIAL! Your dedicated BenefitsVIP advocates understand your benefit plans and are able to answer benefit questions and quickly resolve claims and eligibility issues. A majority of inquiries are resolved the same day and all calls adhere to privacy best practices.

HealthDiscovery.org Get vital, useful and fun health insurance and wellness facts.

BenefitsVIP.com

QUESTIONS? Call BenefitsVIP at 866.293.9736

MEDICAL BENEFITS

HIP SELECT CARE LOW PLAN IN - NETWORK ONLY

HIP PRIME HMO HIGH PLAN IN - NETWORK ONLY

HOW TO FIND A NETWORK MEDICAL PROVIDER

• Go to www.EmblemHealth.com • Click “ Find a Doctor ” • Under “ Find a Doctor ” click “ Find Care ” • Click “ Search by Network or Plan ” • Scroll down to select “ HIP HMO - Select Care ” or “ HIP Prime HMO - Prime ” • Click “ Go ” • Scroll down to select the type of provider you are searching • Enter the “ Zipcode ” of the area you want to search then click “ Next ”

BENEFIT

IN - NETWORK

OUT - OF - NETWORK

Specialist Referrals Required

Yes

Annual Deductible

Individual: None Family: None Individual: $6,850 Family: $13,700

Out - of - Pocket Maximum

Coinsurance

HIP pays 100%; You pay 0%

Preventive Care Adult Annual Physical Exam Well - Child Care

No charge No charge

Inpatient Care

$2,000 copay per admission

Outpatient Care Primary care physician office visits Specialist office visits Outpatient facility surgery

$30 copay $75 copay $750 copay No charge No charge No charge

Laboratory Services Diagnostic Services Advanced Imaging (PET Scan, MRI, Nuclear Medicine, CAT Scans) Emergency Care Ambulance when medically necessary At hospital emergency room (waived if admitted) Urgent Care Maternity Care Prenatal and Post - natal care Hospital services for mother and child

No charge $500 copay

$30 copay

No charge $1,000 copay

Mental Health Inpatient Outpatient

$2,000 copay $30 copay

Durable Medical Equipment (precertification required) Optical Care Refractive Eye Exams Eyeglasses (every 24 months) Prescription Drugs Retail Pharmacy (30 day supply) Mail Order (90 day supply)

No charge after $500 deductible

$35 copay $35 copay

$15 copay Generic ONLY $22.50 copay Generic ONLY

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail. QUESTIONS? Call BenefitsVIP at 866.293.9736

MEDICAL RESOURCES

WELLSPARK WellSpark provides behavioral support to help your journey toward a healthier lifestyle. Participation is simple: • Complete a health assessment to receive personalized wellbeing report • Track your activity, sleep, stress, meals and more • Use the health library to find articles and videos in areas of wellbeing that interests you To learn more about the program and start improving your physical, mental and emotional wellbeing, sign in to the secure MySpark Central Portal or the WellSpark Health App (use registration code EMBLEM to sign in).

TELADOC Use telemedicine to get non - urgent medical care. It ’ s convenient, immediate, and available 24 hours a day, 365 days a year. Use your phone, computer, or mobile device. Talk to doctors who practice primary care, family care, and more. Telemedicine doctors can prescribe certain medicines. Telemedicine is In - Network care. And, there ’ s no copay — the set amount you pay for health services each time you use them. What types of non - urgent conditions are right for telemedicine?

• Cough

• Fever

• Headache

• Flu

• Bronchitis

• Pinkeye

• Sore throat

• Sinusitis

• Painful urination

For assistance contact admin@wellsparkhealth.com . NEIGHBORHOOD CARE

You can enroll in telemedicine for free at any time. • Visit Teladoc.com/emblemhealth or call 800 - 835 - 2362 (800 - Teladoc) (TTY: 711) to set up your account. • Complete your medical history. • Once you register, you are just a call or click away from getting treatment. Remember: Telemedicine does not replace the care of your regular doctor. Only your doctor can provide the full range of care to meet your health needs. HUSK MARKETPLACE HUSK Marketplace, provides EmblemHealth members with access to exclusive best - in - class pricing with some of the biggest brands in fitness and wellness. • Gym & Fitness Center Memberships • On - Demand Fitness • Home Equipment & Tech Sign up for Husk Marketplace at marketplace.huskwellness.com/ emblemhealth . If you have questions contact customerservice@huskwellness.com or call 888.654.7708 .

EmblemHealth Neighborhood Care is here to help you take control of your health — from staying active to understanding your insurance benefits. That ’ s why Neighborhood Care offers free: • Fitness classes, nutrition workshops, health education, and family friendly events. • Connection to community resources, such as transportation and affordable food. • Help choosing the right health coverage plan. • One - on - one support to help EmblemHealth members understand plan benefits, find care, and more For more information visit emblemhealth.com/neighborhood or call 800.274.2950 (TTY: 711) ADDITIONAL HEALTH PLAN RESOURCES Health insurance doesn ’ t have to be expensive - 8 out of 10 people qualify for discounts, and half pay under $31 per month. We ’ re here to help all employees find an affordable Marketplace plan. To compare quotes & enroll today, visit: or call 844.326.7271 . Eligible for Medicare? Call our licensed insurance agents for a free consultation: 855.729.8899 or learn more at: ucpli.healthsherpa.com/ Medicare .

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail. QUESTIONS? Call BenefitsVIP at 866.293.9736

DENTAL BENEFITS

MANAGED DENTAL GUARD PRE - PAID (NY) IN - NETWORK ONLY

HOW TO FIND A NETWORK DENTAL PROVIDER

BENEFIT

IN - NETWORK

It ’ s easy to find a dentist you can trust. Whether you ’ re looking for a list of providers that serve your plan (in - network) or trying to locate a specific dentist, it takes just minutes through Guardian ’ s Provider Online Search. Go to www.guardianlife.com . Click “ Find a Dentist ” . Under “ Plan Type ” select “ Managed Dental Care (DHMO/Prepaid) ” Enter your search criteria i.e. location, and/or providers name, then click on the search icon to see a list of providers. • • • •

Annual Deductible

None

Benefit Maximum Annual Lifetime

Unlimited 24 months of comprehensive Orthodontic treatment plus 24 months of retention

Office Visit

$5 copay

Diagnostic & Preventive Services Prophylaxis (Cleanings) Oral Examinations Topical Fluoride X - rays Bitewings

See fee for Service Schedule

Basic Services Fillings

See fee for Service Schedule

Endodontics Periodontics Space Maintainers

Major Services Surgical Removal of impacted teeth Dentures Crowns Inlays Onlays

See fee for Service Schedule

Orthodontic Services (adults and children)

See fee for Service Schedule

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.293.9736

NAVIGATING PAYCOM

ENROLLING IN BENEFITS ON MOBILE DEVICE.

Step 1: From the Notifications Center, tap the current year ’ s Benefits Enrollment. Review the instructions and tap “ Next ” .

Step 2: Review your information. Tap “ Edit ” to make changes or “ Next ” to continue.

Step 3: Complete the Pre - Enrollment Questions and tap “ Next ”.

Step 4: View and update dependents and beneficiaries. Once complete, tap “ Next ”.

To edit dependent and beneficiary information tap the blue hyperlink. To add a new dependent or beneficiary, tap the plus sign.

Step 5: Choose to enroll in or decline a plan by checking the appropriate option. When finished , tap “ Next ”. Continue this for each benefit plan.

Step 6: When finished, review your enrollment and sign the document. Then, tap “ Finalize ” .

Helpful Tips •

Have your dependent/beneficiary information ready, such as Social Security numbers, before beginning the enrollment process. • Visit the “ Help Menu ” for the most up - to - date version of this guide.

To view your current benefits anytime, navigate to Benefits > MyBenefits.

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.293.9736

INSURANCE GLOSSARY

This glossary has many commonly used terms, but isn ’ t a full list. These glossary terms and definitions are intended to be educational and may be different from the terms and definitions in your plan. Some of these terms also might not have exactly the same meaning when used in your policy or plan, and in any such case, the policy or plan governs. Allowed Amount Maximum amount on which payment is based for covered health care services. This may be called “ eligible expense, ” “ payment allowance" or "negotiated rate." If your provider charges more than the allowed Balance Billing When a provider bills you for the difference between the provider ’ s charge and the allowed amount. For example, if the provider ’ s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you for covered services. Coinsurance Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan ’ s allowed amount for an office visit is $100 and you ’ ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount. Complications of Pregnancy Conditions due to pregnancy, labor and delivery that require medical care to prevent serious harm to the health of the mother or the fetus. Morning sickness and a non amount, you may have to pay the difference. (See Balance Billing.) Appeal A request for your health insurer or plan to review a decision or a grievance again.

emergency caesarean section aren ’ t complications of pregnancy.

Grievance A complaint that you communicate to your health insurer or plan. Health Insurance A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium. Home Health Care Health care services a person receives at home. Hospice Services Services to provide comfort and support for persons in the last stages of a terminal illness and their families. Hospitalization Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care. Hospital Outpatient Care Care in a hospital that usually doesn ’ t require an overnight stay. In - Network Coinsurance The percent (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In - Network co - insurance usually costs you less than Out - of - Network coinsurance. In - Network Copayment A fixed amount (for example, $15) you pay for covered health care services to providers who contract with your health insurance or plan. In - Network copayments usually are less than Out - of - Network copayments. Medically Necessary Health care services or supplies needed to prevent, diagnose or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine.

Copayment A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service. Deductible The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1000, your plan won ’ t pay anything until you ’ ve met your $1000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services. Durable Medical Equipment (DME) Equipment and supplies ordered by a health care provider for everyday or extended use. Coverage for DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics. Emergency Medical Condition An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm. Emergency Medical Transportation Ambulance services for an emergency medical condition. Emergency Room Care Emergency services you get in an emergency room. Emergency Services Evaluation of an emergency medical condition and treatment to keep the condition from getting worse. Excluded Services Health care services that your health insurance or plan doesn ’ t pay for or cover

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.293.9736

INSURANCE GLOSSARY

Network The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. Non - Preferred Provider A provider who doesn ’ t have a contract with your health insurer or plan to provide services to you. You ’ ll pay more to see a non - preferred provider. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a “ tiered ” network and you must pay extra to see some providers. Out - of - Network Coinsurance The percent (for example, 40%) you pay of the allowed amount for covered health care services to providers who do not contract with your health insurance or plan. Out - of - Network coinsurance usually costs you more than In - Network coinsurance. Out - of - Network Copayment A fixed amount (for example, $30) you pay for covered health care services from providers who do not contract with your health insurance or plan. Out - of - Network copayments usually are more than In - Network copayments. Out - of - Pocket Limit The most you pay during a policy period (usually a year) before your health insurance or premium, balance - billed charges or health care your health insurance or plan doesn ’ t cover. Some health insurance or plans don ’ t count all of your copayments, deductibles, coinsurance payments Out - of - Network payments or other expenses toward this limit. plan begins to pay 100% of the allowed amount. This limit never includes your

Plan A benefit your employer, union or other group sponsor provides to you to pay for your health care services. Preauthorization A decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment is medically necessary. Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization isn ’ t a promise your health insurance or plan will cover the cost. Preferred Provider A provider who has a contract with your health insurer or plan to provide services to you at a discount. Check your policy to see if you can see all preferred providers or if your health insurance or plan has a “ tiered ” network and you must pay extra to see some providers. Your health insurance or plan may have preferred providers who are also “ participating ” providers. Participating providers also contract with your health insurer or plan, but the discount may not be as great, and you may have to pay more. Premium The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly or yearly. Prescription Drug Coverage Health insurance or plan that helps pay for prescription drugs and medications. Prescription Drugs Drugs and medications that by law require a prescription.

Primary Care Physician A physician (M.D. – Medical Doctor or D.O. – Doctor of Osteopathic Medicine) who directly provides or coordinates a range of health care services for a patient. Primary Care Provider A physician (M.D. – Medical Doctor or D.O. – Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist or physician assistant, as allowed under state law, who provides, coordinates or helps a patient access a range of health care services. D.O. – Doctor of Osteopathic Medicine), health care professional or health care facility licensed, certified or accredited as required by state law. Specialist A physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent or treat certain types of symptoms and conditions. A non - physician specialist is a provider who has more training in a specific area of health care. UCR (Usual, Customary and Reasonable) The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount. Urgent Care Care for an illness, injury or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care. Provider A physician (M.D. – Medical Doctor or

Physician Services Health care services a licensed medical physician (M.D. – Medical Doctor or D.O. – Doctor of Osteopathic Medicine) provides or coordinates.

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.293.9736

VOLUNTARY BENEFITS

GROUP WHOLE LIFE INSURANCE Whole life ensures a guaranteed death benefit, which means that your loved ones will receive a lump sum of money regardless of how long you live. With whole life, the policy builds cash value over time that can be used to help you pay for college, supplement your retirement income, or for emergencies.

Group Whole Life Advantages

Available with no medical exams. Applying for coverage is easy - simply answer a couple of questions to determine eligible

Whole Life Protects you over your entire lifetime.

It ’ s portable - you can take it with you even if you leave the company.

Whole Life offers guaranteed coverage with fixed premiums that can ’ t increase due to age or change in health.

Whole Life provides convenient access to cash value for any reason.

Whole life has a potential for dividends that can be used to purchase additional coverage and help build cash value.

Chronic Care Benefit Ability to receive an advanced, or acceleration, of a portion of the death benefit, paid in a lump sum. This can help reduce financial stress if the insured becomes Chronically Ill

For more information contact: Michael Pugliese Cell: 516.972.7980 Email: mpugliese@LegacyAdvisorsFG.com

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.293.9736

VOLUNTARY BENEFITS

• CPC offers Short Term Disability, Cancer and Accident coverage through Aflac. • These plans are 100% employee contributory plans; deductions are taken either pre– or post - tax (depending on plan type) each pay cycle and submitted to Aflac on the employee ’ s behalf. • This coverage is portable - this means that in the event you leave CPC your coverage will not end. You can make payments directly to Aflac if you wish to continue to receive the benefit of these plans. • Employees can select Aflac coverage during their new hire eligibility period or during open enrollment. If you wish to receive additional information on Aflac coverage, please contact Human Resources and request that Aflac information be sent to you.

• Disability Insurance – provides income replacement to help make ends meet if employees are unable to work due to a covered injury or sickness. • Accident Insurance – helps offset the unexpected medical expenses, such as deductibles and copayments that can result from a fracture, dislocation, or other covered accidental injury. • Cancer Insurance – helps offset the out - of - pocket medical and indirect, non - medical expenses related to cancer that most medical plans don ’ t cover. This coverage also provides a benefit for specified cancer screening tests. Also available with this plan is a rider to offer similar benefits as the result of a heart attack, stroke, end stage kidney failure or sudden cardiac arrest. • Hospital Confinement insurance: - provides coverage in the form of a fixed benefit during periods of hospitalization or care resulting from Sickness or Injury.

• Benefits are paid directly to you, unless you specify otherwise, to use as you see fit. • With most plans, you can continue coverage with no increase in premium when you retire or change jobs. • Most plans pay benefits regardless of any other insurance you may have with other insurance companies. • Most plans offer coverage for your spouse, domestic partner and dependent children.

For more information, please contact: Christine Walsh, Aflac NY Mobile: 516.459.9730 Fax: 516.621.0620 Email: Christine_walsh@us.aflac.com

For additional information, please refer to your detailed plan summary. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call BenefitsVIP at 866.293.9736

Disclosures

NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996 (NEWBORN’S ACT) Group health plans and health insurance issuers generally may not, under federal law, 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 cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). THE WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998 (WHCRA, ALSO KNOWN AS JANET’S LAW) Under WHCRA, group health plans, insurance companies and health maintenance organizations (HMOs) offering mastectomy coverage must also provide coverage for reconstructive surgery in a manner determined in consultation with the attending physician and the patient. Coverage includes 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 lymph edemas. Call your Plan Administrator for more information. QMCSO is a medical child support order issued under State law that creates or recognizes the existence of an “alternate recipient’s” right to receive benefits for which a participant or beneficiary is eligible under a group health plan. An “alternate recipient” is any child of a participant (including a child adopted by or placed for adoption with a participant in a group health plan) who is recognized under a medical child support order as having a right to enrollment under a group health plan with respect to such participant. Upon receipt, the administrator of a group health plan is required to determine, within a reasonable period of time, whether a medical child support order is qualified, and to administer benefits in accordance with the applicable terms of each order that is qualified. In the event you are served with a notice to provide medical coverage for a dependent child as the result of a legal determination, you may obtain information from your employer on the rules for seeking to enact such coverage. These rules are provided at no cost to you and may be requested from your employer at any time. SPECIAL ENROLLMENT RIGHTS (HIPAA) If you have previously declined enrollment for yourself or your dependents (including your spouse) because of other health insurance coverage, you may in the future be able to enroll yourself or your dependents in this plan, provided that you request enrollment within 30 days after your other coverage ends. 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, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. SPECIAL ENROLLMENT RIGHTS CHIPRA – CHILDREN’S HEALTH INSURANCE PLAN You and your dependents who are eligible for coverage, but who have not enrolled, have the right to QUALIFIED MEDICAL CHILD SUPPORT ORDER (QMCSO)

elect coverage during the plan year under two circumstances: You or your dependent’s state Medicaid or CHIP (Children’s Health Insurance Program) coverage terminated because you ceased to be eligible. You become eligible for a CHIP premium assistant subsidy under state Medicaid or CHIP (Children’s Health Insurance Program). You must request special enrollment within 60 days of the loss of coverage and/ or within 60 days of when eligibility is determined for the premium subsidy. COVERAGE EXTENSION RIGHTS UNDER THE UNIFORMED SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS ACT (USERRA) If you leave your job to perform military service, you have the right to elect to continue your existing employer-based health plan coverage for you and your dependents (including spouse) for up to 24 months while in the military. Even if you do not elect to continue coverage during your military service, you have the right to be reinstated in your employer’s health plan when you are reemployed, generally without any waiting periods or exclusions for pre-existing conditions except for service-connected injuries or illnesses. MICHELLE’S LAW Michelle’s Law permits seriously ill or injured college students to continue coverage under a group health plan when they must leave school on a full-time basis due to their injury or illness and would otherwise lose coverage. The continuation of coverage applies to a dependent child’s leave of absence from (or other change in enrollment) a postsecondary educational institution (college or university) because of a serious illness or injury, while covered under a health plan. This would otherwise cause the child to lose dependent status under the terms of the plan. Coverage will be continued until: 1. One year from the start of the medically necessary leave of absence, or 2. The date on which the coverage would otherwise terminate under the terms of the health plan; whichever is earlier. MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT OF 2008 This act expands the mental health parity requirements in the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Services Act by imposing new mandates on group health plans that provide both medical and surgical benefits and mental health or substance abuse disorder benefits. Among the new requirements, such plans (or the health insurance coverage offered in connection with such plans) must ensure that: The financial requirements applicable to mental health or substance abuse disorder benefits are no more restrictive that the predominant financial requirements applied to substantially all medical and surgical benefits covered by the plan (or coverage), and there are no separate cost sharing requirements that are applicable only with respect to mental health or substance abuse disorder benefits. GENETIC INFORMATION NON-DISCRIMINATION ACT (GINA) GINA broadly prohibits covered employers from discriminating against an employee, individual, or member because of the employee’s “genetic information,” which is broadly defined in GINA to mean (1) genetic tests of the individual, (2) genetic tests of family members of the individual, and (3) the

manifestation of a disease or disorder in family members of such individual. GINA also prohibits employers from requesting, requiring, or purchasing an employee’s genetic information. This prohibition does not extend to information that is requested or required to comply with the certification requirements of family and medical leave laws, or to information inadvertently obtained through lawful inquiries under, for example, the Americans with Disabilities Act, provided the employer does not use the information in any discriminatory manner. In the event a covered employer lawfully (or inadvertently) acquires genetic information, the information must be kept in a separate file and treated as a confidential medical record and may be disclosed to third parties only in very limited situations. -of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible. What is “balance billing” (sometimes called “surprise billing”)? When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, like a copayment, coinsurance, or deductible. You may have additional costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network. “Out -of- network” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays, and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your plan’s deductible or annual out-of-pocket limit. “Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care - like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. Surprise medical bills could cost thousands of dollars depending on the procedure or service. You’re protected from balance billing for: Emergency services If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most they can bill you is your plan’s in network cost-sharing amount (such as copayments, coinsurance, and deductibles). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post stabilization services. Certain services at an in-network hospital or ambulatory surgical center When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers can bill you is your plan’s in -network cost sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections NO SURPRISES ACT When you get emergency care or are treated by an out

not to be balance billed.

If you get other types of services at these in-network facilities, out-of- network providers can’t balance bill you, unless you give written consent and give up your protections. You’re never required to give up your protections from balance billing. You also aren’t required to get out-of-network care. You can choose a provider or facility in your plan’s network. When balance billing isn’t allowed, you also have these protections: the copayments, coinsurance, and deductible that you would pay if the provider or facility was in-network). Your health plan will pay any additional costs to out-of network providers and facilities directly. Generally, your health plan must: • Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”). • Cover emergency services by out-of-network providers. • Base what you owe the provider or facility (cost sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits. • Count any amount you pay for emergency services or out-of-network services toward your in network deductible and out-of-pocket limit. PREMIUM ASSISTANCE UNDER MEDICAID AND 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 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 866.444.EBSA (3272) . You’re only responsible for paying your share of the cost (like

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Disclosures

Kansas – Medicaid Website: https://www.kancare.ks.gov/ Medicaid Phone: 800.792.4884 / HIPP Phone: 800.967.4660 Kentucky – Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI ‑ HIPP) Website: https://chfs.ky.gov/agencies/dms/member/ Pages/kihipp.aspx

New Jersey – Medicaid & CHIP Medicaid Website: http://www.state.nj.us/ humanservices/dmahs/clients/medicaid/ Medicaid Phone: 800.356.1561 CHIP Premium Assistance: 609.631.2392 CHIP Website: http://www.njfamilycare.org/ index.html CHIP Phone: 800.701.0710 (TTY 711) New York – Medicaid Website: https://www.health.ny.gov/health_care/ medicaid/ Phone: 800.541.2831 North Carolina – Medicaid Website: https://medicaid.ncdhhs.gov/ Phone: 919.855.4100 North Dakota – Medicaid Website: https://www.hhs.nd.gov/healthcare Phone: 844.854.4825 Oklahoma – Medicaid & CHIP Website: http://www.insureoklahoma.org Phone: 888.365.3742 Oregon – Medicaid & CHIP Website: http://healthcare.oregon.gov/Pages/ index.aspx Phone: 800.699.9075 Pennsylvania – Medicaid & CHIP Medicaid Website: https://www.pa.gov/en/services/ dhs/apply-for-medicaid-health-insurance-premium payment-program-hipp.html Medicaid Phone: 800.692.7462 CHIP Website: https://www.dhs.pa.gov/CHIP/Pages/ CHIP.aspx CHIP Phone: 800.986.KIDS (5437) Rhode Island – Medicaid & CHIP Website: http://www.eohhs.ri.gov/ Phone: 855.697.4347 / Direct Line: 401.462.0311 Texas – Medicaid HIPP Program Website: https://www.hhs.texas.gov/ services/financial/health-insurance-premium payment-hipp-program Phone: 800.440.0493 Utah – Medicaid & CHIP UPP Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov / Phone: 888.222.2542 Adult Expansion Website: https://medicaid.utah.gov/expansion/ Buyout Program: https://medicaid.utah.gov/buyout-program/ CHIP Website: https://chip.utah.gov/ Vermont – Medicaid HIPP Website: https://dvha.vermont.gov/members/ medicaid/hipp-program Phone: 800.250.8427 South Carolina – Medicaid Website: https://www.scdhhs.gov / Phone: 888.549.0820 South Dakota – Medicaid Website: http://dss.sd.gov / Phone: 888.828.0059

HIPP Programs: https://coverva.dmas.virginia.gov/ learn/premium-assistance/health-insurance premium-payment-hipp-programs Phone: 800.432.5924

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, 2026. Contact your State for more information on eligibility.

Washington – Medicaid Website: https://www.hca.wa.gov/ Phone: 800.562.3022

Alabama – Medicaid Website: http://myalhipp.com/ Phone: 855.692.5447

West Virginia – Medicaid & CHIP Websites: https://dhhr.wv.gov/bms/ http:// mywvhipp.com/ Medicaid Phone: 304.558.1700 CHIP Phone: 855.MyWVHIPP (855.699.8447) Wisconsin – Medicaid & CHIP Website: https://www.dhs.wisconsin.gov/ badgercareplus/p-10095.htm Phone: 800.362.3002 Wyoming – Medicaid Website: https://health.wyo.gov/healthcarefin/ medicaid/programs-and-eligibility/ Phone: 800.251.1269 To see if any other states have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 866.444.EBSA (3272) U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 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 44 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 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137. OMB Control Number 1210-0137 expires 1/31/2026)

Alaska – Medicaid AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 866.251.4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/default.aspx

Phone: 855.459.6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: https://kynect.ky.gov KCHIP Phone: 877.524.4718 Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms

Arkansas – Medicaid Website: http://myarhipp.com/ Phone: 855.MyARHIPP (855.692.7447)

Louisiana – Medicaid Medicaid Website: https://www.ldh.la.gov/healthy louisiana Customer Service: 888.342.6207 Email: healthy@la.gov LaHIPP Website: https://www.ldh.la.gov/lahipp LaHIPP Phone: 877.697.6703 LaHIPP Email: La.HIPP@la.gov LaHIPP Fax: 888.716.9787 Mailing Address: 100 Crescent Centre Parkway, Suite 1000, Tucker, GA 30084 Maine – Medicaid Enrollment Website: https:// www.mymaineconnection.gov/benefits/s/? language=en Phone: 800.442.6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms Phone: 800.977.6740 Massachusetts – Medicaid & CHIP Website: https://www.mass.gov/masshealth/pa Phone: 800.862.4840 TTY: 711 Email: masspremassistance@accenture.com Minnesota – Medicaid Website: https://mn.gov/dhs/health-care-coverage/ Phone: 800.657.3672 Missouri – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/ hipp.htm Phone: 573.751.2005 Montana – Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/ HIPP Phone: 800.694.3084 Email: HHSHIPPProgram@mt.gov Nebraska – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 855.632.7633 / Lincoln: 402.473.7000 Omaha: 402.595.1178

California – Medicaid Health Insurance Premium Payment (HIPP) Program Website: http://dhcs.ca.gov/hipp Phone: 916.445.8322 / Fax: 916.440.5676 Email: hipp@dhcs.ca.gov Colorado – Health First Colorado (Medicaid) & CHP+ Health First Colorado Website: https://www.healthfirstcolorado.com/ Member Contact Center: 800.221.3943 / State Relay 711 CHP+: https://hcpf.colorado.gov/child-health-plan plus CHP+ Customer Service: 800.359.1991 / State Relay 711 Health Insurance Buy ‑ In Program (HIBI): https://www.mycohibi.com/ HIBI Customer Service: 855.692.6442 Florida – Medicaid Website: https://www.flmedicaidtplrecovery.com/.../hipp/ index.html Phone: 877.357.3268 Georgia – Medicaid GA HIPP Website: https://medicaid.georgia.gov/ health-insurance-premium-payment-program-hipp Phone: 678.564.1162 (Press 1) GA CHIPRA Website: https://medicaid.georgia.gov/ programs/third-party-liability/childrens-health insurance-program-reauthorization-act-2009-chipra CHIPRA Phone: 678.564.1162 (Press 2) Indiana – Medicaid Health Insurance Premium Payment Program Websites: https://www.in.gov/medicaid/ http://www.in.gov/fssa/dfr/ Phone: 800.403.0864 / Member Services: 800.457.4584 Iowa – Medicaid & CHIP (Hawki) Medicaid Website: https://hhs.iowa.gov/programs/welcome-iowa medicaid Medicaid Phone: 800.338.8366 Hawki Website: https://hhs.iowa.gov/programs/ welcome-iowa-medicaid/iowa-health-link/hawki Hawki Phone: 800.257.8563 HIPP Website: https://hhs.iowa.gov/programs/ welcome-iowa-medicaid/fee-service/hipp HIPP Phone: 888.346.9562

Nevada – Medicaid Website: http://dhcfp.nv.gov / Phone: 800.992.0900

New Hampshire – Medicaid Website: https://www.dhhs.nh.gov/programs services/medicaid/health-insurance-premium program Phone: 603.271.5218 Toll ‑ free HIPP: 800.852.3345 ext. 15218 Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov

Virginia – Medicaid & CHIP FAMIS Select Website: https:// coverva.dmas.virginia.gov/learn/premium assistance/famis-select

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2017 BENEFITS

YOUR BENEFITS. YOUR CHOICES. YOUR HEALTH.

This benefit summary provides selected highlights of the employee benefits program available. It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any information provided through this summary and the actual terms of such policies, contracts and plan documents shall be governed by the terms of such policies, contracts and plan documents. Our company reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.

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