2023 Open Enrollment Presentation

Employee Benefits Open Enrollment June 1, 2023 – May 31, 2024

Welcome • Open Enrollment • What’s New This Year • 2023-2024 Contribution Rates • Medical plan buy-out will not be offered for new employees • Only employees currently participating may continue • Orthodontia coverage for all family members • Life/Disability/Leave insurance – MetLife • Employee Assistance Program -Lifeworks • Discounts & Pet insurance - BenefitHub • What’s The Same • Medical Plans (HMO and HDP) • Medical plan deductibles • Decision making factors • Flexible Spending Accounts & other benefits 2

What is Open Enrollment? Open enrollment is the one-time per year when you can review your benefits. If you want to make changes you must enroll to receive BB&N benefits during June 1, 2023 – May 31, 2024. Your benefit elections cannot be changed until the next Open Enrollment period (June 1, 2024), unless there is a qualifying life event: – Marriage, divorce or legal separation – Birth or adoption – Death of your spouse or dependent child – Change in employment status – Entitlement to Medicare or Medicaid 3

Medical Plan Design BCBS Insurance with Participating Funding Arrangement (PFA) administered by RSI Individual HMO Two-Party & Family Full BCBS $4,500 Full BCBS $9,000 Deductible Deductible - Your $500 - Your $1,000 Deductible Deductible = BB&N Pays $4,000 = BB&N Pays $8,000 High Deductible Plan (HDP) Individual Two-Party & Family Full BCBS $4,500 Full BCBS $9,000 Deductible Deductible - Your $750 - Your $1,500 Deductible Deductible = BB&N Pays $3,750 4 = BB&N Pays $7,500

Deductible • Annual Deductible is on a June 1 to May 31 basis • The deductible is paid once a year per family member until the family maximum is reached BCBS HMO Member BCBS HDP Member Responsibility: Responsibility: Per Member $500 Per Member $750 Family Maximum $1,000 Family Maximum $1,500 5

Deductible Services BCBS HMO Member BCBS HDP Member Responsibility: Responsibility: Office Visit Deductible applies Office Visit Deductible applies Specialist Visit Deductible applies Specialist Visit Deductible applies Emergency Room Deductible applies Emergency Room Deductible applies Inpatient Stay Inpatient Stay Day Surgery Deductible applies Day Surgery Deductible applies High Tech Imaging High Tech Imaging Labs & X-Rays Deductible applies Labs & X-Rays Deductible applies 6

Two Medical Plans ALL BB&N BCBS HDP BCBS HMO PLANS Covers Medical & Rx Drugs NO COPAYS • Higher bi-weekly Administered by RSI • Lower bi-weekly premiums Concierge support services through premiums • Lower deductible TouchCare • Higher deductible Primary Care Physician (PCP) designation is required. However, referrals to specialists are not required HMO network covers all 6 New England states Only BCBS network providers can be used except in emergency and urgent care situations Some hospitalization and in-patient services require BCBS authorization Find a medical provider at bluecrossma.org 7

BCBS HMO Plan Year Deductible (June 1 – May 31): $500 per member $1,000 family maximum * Represents services that are supplemented by BB&N, via RSI 8

BCBS HDP Plan Year Deductible (June 1 – May 31): $750 per member $1,500 family maximum * Represents services that are supplemented by BB&N, via RSI 9

Rx Drug Benefits • Same benefit level for BCBS HMO and BCBS HDP • All major pharmacies are included • Pharmacy Benefit Manager is CVS Caremark (effective Jan. 1, 2023) • Member uses RSI debit card to cover the full cost of covered Rx drugs Member Tier 1 Tier 2 Tier 3 Responsibility 30 Day (Retail) $0 $0 $0 90 Day (Mail Order) $0 $0 $0 10

BCBS Healthy Living Exercise & Lose Weight Fitness Reimbursement Benefit* $150 per calendar year for health club with cardiovascular and strength-training *Subscriber equipment; or a fitness studio offering instructor-led group classes for certain reimbursed for any cardiovascular and strength-training programs. Virtual fitness classes and fitness combination of equipment for use in the home are also covered. members enrolled under same BCBS Weight Loss Reimbursement Benefit* health plan $150 per calendar year for hospital-based or non-hospital-based weight loss programs that focus on eating and physical activity habits and behavioral/lifestyle counseling with certified health professionals. Support & Discounts - 24-Hour Nurse Care Line/Blue Care Line: - Blue 365 Discounts and Savings 1-888-247-BLUE (2583) (www.blue365deals.com) - www.ahealthyme.com - Living Healthy Naturally Discounts - www.livinghealthybabies.com (www.ahealthyme.com) - Text4Baby text BABYto 511411 - Message Wire text bluecrossmato 73529 11

2023-2024 BCBS HMO Cost BCBS HMO BCBS HMO BCBS HMO MEDICAL FT 100% 2022-2023 2023-2024 Bi-Weekly Change Bi-Weekly Rate Bi-Weekly Rate from 2022-2023 Individual $81.46 $109.37 $27.91 Two-Party $254.96 $267.71 $12.75 Family $310.81 $326.35 $15.54 MEDICAL PT BCBS HMO BCBS HMO BCBS HMO 80-99% 2022-2023 2023-2024 Bi-Weekly Change Bi-Weekly Rate Bi-Weekly Rate from 2022-2023 Individual $194.71 $204.45 $9.74 Two-Party $369.09 $387.54 $18.45 Family $455.29 $478.05 $22.76 MEDICAL PT BCBS HMO BCBS HMO BCBS HMO 50-79% 2022-2023 2023-2024 Bi-Weekly Change Bi-Weekly Rate Bi-Weekly Rate from 2022-2023 Individual $355.62 $373.40 $17.78 Two-Party $735.75 $772.54 $36.79 Family $957.93 $1,005.83 $47.90 12

2023-2024 BCBS HDP Cost MEDICAL FT BCBS HDP BCBS HDP BCBS HDP 100% 2022-2023 2023-2024 Bi-Weekly Change Bi-Weekly Rate Bi-Weekly Rate from 2022-2023 Individual $61.46 $90.98 $29.52 Two-Party $228.71 $235.57 $6.86 Family $263.56 $271.47 $7.91 MEDICAL PT BCBS HDP BCBS HDP BCBS HDP 80-99% 2022-2023 2023-2024 Bi-Weekly Change Bi-Weekly Rate Bi-Weekly Rate from 2022-2023 Individual $184.21 $189.74 $5.53 Two-Party $342.84 $353.13 $10.29 Family $408.04 $420.28 $12.24 MEDICAL PT BCBS HDP BCBS HDP BCBS HDP 50-79% 2022-2023 2023-2024 Bi-Weekly Change Bi-Weekly Rate Bi-Weekly Rate from 2022-2023 Individual $345.12 $355.47 $10.35 Two-Party $709.50 $730.79 $21.29 Family $910.68 $938.00 $27.32 13

HMO or HDP? COST DIFFERENCE BETWEEN HMO AND HDP -FT (100%) PREMIUMS DEDUCTIBLES TOTAL COST DIFFERENCE HMO Cost HDP Cost HMO Cost per Annum HDP Cost per Annum Difference Deductible Difference per (26 pay per (26 pay HMO vs HDP per Annum per Premium and Deductible Pay Period periods) Pay Period periods) per Annum HMO / HDP Annum Cost Difference per Annum $478.20 $250 $478.20 - $250 = Individual $109.37 $2,844 $90.98 $2,365 more for the $500 / $750 HDP more $228.20 SAVINGS WITH HDP HMO than HMO $835.55 $500 $835.55 - $500 = Two-Party $267.71 $6,960 $235.57 $6,125 more for the $1,000 / $1,500 HDP more $335.55 SAVINGS WITH HDP HMO than HMO $1,426.98 $500 $1,426.98 - $500 = Family $326.35 $8,485 $271.47 $7,058 more for the $1,000 / $1,500 HDP more $926.98 SAVINGS WITH HDP HMO than HMO Total savings with HDP per annum for PT (80-99%) = $132.44 for Individual, $394.90 for Two-Party & $1,002.11 for Family Total savings with HDP per annum for PT (50-79%) = $216.11 for Individual, $585.57 for Two-Party & $1,263.48 for Family 14

2023-2024 Medical Plan Rates MEDICAL FT BCBS HMO BCBS HDP Bi-Weekly Annual Savings Additional Net Annual 100% 2023-2024 2023-2024 Savings HMO HMO to HDP Deductible Savings HMO Bi-Weekly Rate Bi-Weekly Rate to HDP HMO to HDP to HDP Individual $109.37 $90.98 $18.39 $478.20 -$250.00 -$228.20 Two-Party $267.71 $235.57 $32.14 $835.55 -$500.00 -$335.55 Family $326.35 $271.47 $54.88 $1,426.98 -$500.00 -$926.98 MEDICAL PT BCBS HMO BCBS HDP Bi-Weekly Annual Additional Net Annual 80-99% 2023-2024 2023-2024 Savings HMO Savings HMO Deductible Savings HMO Bi-Weekly Rate Bi-Weekly Rate to HDP to HDP HMO to HDP to HDP Individual $204.45 $189.74 $14.71 $382.44 -$250.00 -$132.44 Two-Party $387.54 $353.13 $34.42 $894.90 -$500.00 -$394.90 Family $478.05 $420.28 $57.77 $1,502.11 -$500.00 -$1,002.11 MEDICAL PT BCBS HMO BCBS HDP Bi-Weekly Annual Savings Additional Net Annual 50-79% 2023-2024 2023-2024 Savings HMO HMO to HDP Deductible Savings HMO Bi-Weekly Rate Bi-Weekly Rate to HDP HMO to HDP to HDP Individual $373.40 $355.47 $17.93 $466.11 -$250.00 -$216.11 Two-Party $772.54 $730.79 $41.75 $1,085.57 -$500.00 -$585.57 Family $1,005.83 $938.00 $67.83 $1,763.48 -$500.00 -$1,263.48 15

How Does the PFA Work? After the member receives care: Medical Provider Member receives BCBS sends submits claim to Explanation of weekly electronic BCBS Benefits (EOB) claims feed to RSI from BCBS Employee pays Employee RSI pays the Plan provider the receives EOB portion of the amount showing from RSI deductible on EOB from RSI 16

The RSI Explanation of Benefits (EOB) RSI’s Explanation of Benefits (EOB) shows your final plan liabilities, as well as: • Patient name • Date of service • How much is owed • How much was paid • The provider from whom you will receive a bill • Where you are in your deductible to date Before you pay any medical bill, be sure it matches the RSI Explanation of Benefits If it’s red, read it! 17

Important RSI Processing & Contact Information When a member is being asked to pay something upfront – RSI advises that the member call RSIso that they can speak with the Provider, so the employee does not have to pay anything upfront. It is not required, but RSI tries to get involved so that the member isn’t out any money and then waiting to be reimbursed. If a member does end up paying something upfront, RSI asks that you notify them.RSI is only linked to BCBS – not individual Provider billing systems – so RSI can’t see if something was paid or not. There is no way for RSI to know that a payment needs to be redirected to the member instead of being sent to the Provider –without the member notifying RSI. General Inquires call 855-493-9859 or Email [email protected] Claims Advocate is Margaret Patenaude at 774-463-0201 x204 or Email [email protected] 18

RSI Member Website • Using the RSI member website, you can easily and securely view your claims 24 hours a day, 7 days a week. • • Simply visit www.rsiadmin.comand click on the PFA Member Login Button to begin. • • You will create your own unique username and password when logging on the first time. • Be sure to have the Client Name group code and have your BCBS member ID number handy. You will need these in order to setup your account. Once you are logged in you will be able to: •View your claims history •Print Explanations of Benefits (EOBs) 19 •Download Mobile App

ID CARDS Only new enrollees will receive an ID card The Blue 20/20 vision plan does not include ID cards 20

TouchCare How do they help? Cost Finding, Choosing Billing & Claims Benefit Estimates & Scheduling Assistance Questions Help employees to get Find quality doctors Received an EOB that TouchCare prides itself in costs for services in with all of the you think is incorrect, helping employees to their area and compare specifications but don’t want to deal navigate the healthcare with other facilities requested by with it? system as well as their close by. employees. own benefits plan. 21

TouchCare Opening a case is easy! Health Assistants are available when and where you need them. 1 2 3 4 APP Online Portal Phone Email Download the App on Open a case, Call: 866-486-8242, Email: your iOS or Android exchange messages, available 8AM – 9PM [email protected] device. Access all of or upload plan (EST) , Monday and a Health Assistant our concierge services documents to our through Friday. will reply as soon as from your pocket! online portal via our they’re available. website. 22

Other Benefits 23

Dental Plan - BCBS Calendar Year Benefit Maximum: $1,500 per family member Dental Blue Freedom In Network Out-of-Network Calendar Year Deductible Per Member $50 Family Maximum $150 Preventive & Diagnostic Care (Deductible is waived for these services) 100% Coverage 80% Coverage Cleanings, Exams Basic Services Fillings, Extractions 80% Coverage 60% Coverage Major Services Crowns, Implants, Dentures 50% Coverage 30% Coverage Orthodontia Services NEW (No Deductible & does not count towards Calendar Year Maximum) 100% Coverage 80% Coverage $2,000 Lifetime Maximum per family member DENTAL 2022-2023 2023-2024 Bi-Weekly Change from Bi-Weekly Rate Bi-Weekly Rate 2022-2023 Individual $14.77 $15.51 $0.74 Family $36.46 $38.28 $1.82 Find a dentist at bluecrossma.org 24

Vision Plan - BCBS Blue 20/20 –Vision In Network Out of Network Reimbursement Exam (Every 12 months) Exam Copay $10 copay Up to $50 Lenses (Every 12 months) Single Vision Lens $25 copay Up to $42 Lined Bifocal Lens $25 copay Up to $78 Lined Trifocal Lens $25 copay Up to $130 Frames (Every 24 months) Retail Frame Allowance $150 allowance, Up to $90 then 20% off the balance Contacts (Every 12 months) Contacts (medically necessary) Paid in full Up to $210 Contacts (elective) $150 allowance, Up to $120 then 15% off the balance VISION 2022-2023 2023-2024 Bi-Weekly Change from Bi-Weekly Rate Bi-Weekly Rate 2022-2023 Individual $3.84 $3.84 $0.00 Two-Party $7.40 $7.40 $0.00 Family $11.45 $11.45 $0.00 25 Find a vision provider at blue2020ma.com

Healthcare FSA • Maximum Election $3,050 • There is a provision which allows $610 of unused funds to be rolled over to next plan year (amounts left in account above $610 are forfeited back to the Plan per IRS rules). • Use It or Lose It - At the end of the plan year, the employee has a 90-day run-out to submit claims for any expenses they incurredduring the plan year. If after that there are any funds over the IRS limit that were not spent by the employee, they are forfeited. • Action required:If you wish to continue with your healthcare FSA you must re-enroll each year. 26

What is a Dependent Care FSA? • A Dependent Care FSA is an account you can put money into that allows you to reimburse yourself for qualified dependent care expenses, such as: • Daycare • Preschool • Adult daycare • After school programs • Day camp • Maximum Election –$5,000 per plan year • There is a $5,000 maximum per family per calendar year • If you’re married and file separate tax returns, the maximum is $2,500 • Funds available for reimbursement are up to the amount deducted from payroll and posted to your account year to date • 90 day run-out – You can submit any claims incurred within the plan year and for 90 days after the plan year ends • There is a provision which allows expenses incurred during the 2.5 month grace period after the plan year to be eligible to be applied to your prior year balance (per IRS rules) • Action required:If you wish to continue with your dependent care FSA you must re-enroll each year. 27

Life/AD&D and Disability Insurance –BB&N Paid • Basic Life and Accidental Death & Dismemberment (AD&D) Insurance Benefit • 1 times your annual salary, up to a $100,000 maximum for each • Long Term Disability Benefit • 60% of your monthly earnings, up to a $6,500 maximum • Benefits begin on the 91st day of a covered disability • Benefits are payable for 2 years if you are disabled from your own occupation; or to your Social Security Normal Retirement Age (SSNRA) for any occupation • Benefits are considered tax-free income to recipients 28

Employee Paid Supplemental Life Insurance Opportunity • Supplemental Life Insurance is additional Term Life insurance beyond what BB&N provides and it’s 100% employee paid (participation is voluntary) • Supplemental Life is purchased in increments of $10,000 above the BB&N provided Basic Life coverage amount (one times base salary) for faculty/staff • Employees can elect an amount up to the lesser of 5x salary or $300,000 • Most Supplemental Life coverage elected after initial eligibility requires medical questions before acceptance, i.e. Evidence of Insurability (EOI) • If you already have Supplemental Life Insurance you may elect an additional $10,000 up to a combined $120,000 of Supplemental Life without EOI • Coverage is portable if an employee leaves BB&N 29

EAP –Lifeworks NEW Employee Assistance Program Connect with a Counselor • Employees & Dependents have access to an array of • Five phone or video sessions confidential services to help you meet the challenges that with licensed counselors per life, work, and relationships bring. situation per year You have unlimited, 24/7 access to: • Information, Resources, & Referrals for family matters such as child & elder care, personal growth and emotional wellbeing • Legal Experts for issues relating to civil, personal and family law, financial matters, real estate & estate planning • Financial Experts for budgeting, financial guidance, retirement planning, buying or selling a home, tax issues Call: 1-888-319-7819to speak with a counselor or schedule an appointment Mobile App: Search “LifeWorks” on iTunes App Store or Google Play or Online: metlifeeap.lifeworks.comusername: metlifeeap& password: eap 30

BenefitHub NEW BenefitHub’sDiscount Marketplace houses “real and relevant” deals oﬀering something for everyone. Employees can ﬁnd incredible savings of up to 60% on hotels, 39% on movie tickets, 60% on apparel and more, including Pet Insurance! • To enrich the amazing discounts, over 70% of the oﬀers provide cash back, too! Tracked in the portal for easy access and redeemable at any time. • Employees are able to easily and conveniently access their marketplace from any device. BenefitHub’ssmart technology and dynamic maps use geolocation to show ‘deals near you’ for shopping on the go. • Live service is available 24/7 BenefitHubis available to all BB&N employees and family members! It’s easy to sign up and start saving today with BenefitHub! 1) Go to: bbns.benefithub.com 2) Enter referral code: 9SYQUQ 3) Complete Registration Call 1-866-664-4621 or email [email protected] 31

Next Steps • Continue on the same BB&N insurance plan with the same individual or family coverage ----->>>you do not need to re-enroll • Changing medical plans, the number of people covered, or opting out of the BB&N plan altogether? • Re-elect with your changes in Paylocity • To participate or continue to participate in the Flexible Savings Account (Health and Dependent Care) • Enroll via Paylocity • We recommend logging into Paylocity to review your elections so that no mistakes are made – Medical – Dental Enrollment Deadline: – Vision th – Healthcare FSA FRIDAY, MAY 12 – Dependent Care FSA – Supplemental Life Insurance 33

Questions & Answers 34