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BB&N 2024 -2025 Employee Benefits Guide

2024-2025 BENEFITS GUIDE BUCKINGHAM BROWNE& NICHOLS SCHOOL JUNE 1, 2024 – MAY 31, 2025

ELIGIBILITY You are eligible for benefits if you work at least 30 hours per week Benefits are effective on your first day of employment You may enroll your eligible dependents, including your legal spouse, domestic partner, and children up to the age of 26 Your benefit elections remain in effect until May 31, 2025 You may only change your benefits during open enrollment or within 30 days of a qualifying life event 2024 Benefits Guide | 1

BENEFIT COSTS The below amounts are for full-time staff and faculty. Costs are deducted from your paycheck on a bi-weekly basis. Employee Only Employee + One Family Bi-weekly cost Bi-weekly cost Bi-weekly cost Medical – HMO $113.20 $277.08 $337.77 Medical – HMO HDP $94.16 $243.82 $280.97 Medical – PPO HDP $103.19 $267.20 $307.91 Dental $15.51 - $38.28 Vision $3.84 $7.40 $11.45 2024 Benefits Guide | 2

BENEFIT COSTS The below amounts are for full-time staff and faculty. Costs are deducted from your paycheck on a bi-weekly basis. The rates below apply to employees paid over 21 pay periods. Employee Only Employee + One Family Bi-weekly cost Bi-weekly cost Bi-weekly cost Medical – HMO $140.15 $343.05 $418.20 Medical – HMO HDP $116.58 $301.87 $347.88 Medical – PPO HDP $127.75 $330.82 $381.22 Dental $19.20 - $47.40 Vision $4.75 $9.16 $14.18 2024 Benefits Guide | 3

CORE BENEFITS

MEDICAL PLAN OPTIONS Blue Cross Blue Shield of MA Blue Cross Blue Shield of MA HMO Blue Cross Blue Shield of MA HMO HDP PPO HDP In-Network Only In-Network Only In-Network / Out-of-Network Plan Deductible $4,500 member / $9,000 family $4,500 member / $9,000 family $4,000 member / $8,000 family BB&N Pays via RSI $4,000 member / $8,000 family $3,750 member / $7,500 family $3,000 member / $6,000 family Employee Deductible $500 member / $1,000 family $750 member / $1,500 family $1,000 member / $2,000 family Responsibility Out-of-Pocket Max $6,450 member / $12,900 family $6,450 member / $12,900 family $6,450 member / $12,900 family Preventive Visit $0 $0 $0 20% coinsurance after deductible PCP Office Visit $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible Specialist Visit $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible Emergency Room Visit $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible Diagnostic Visit $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible Imaging $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible InpatientCare $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible OutpatientCare $0 after deductible $0 after deductible $0 after deductible 20% coinsurance after deductible Prescription Drugs All tiers $0 no deductible PPO HDP Plan: Please note that balance billing for the amount over allowed charges applies to all Out Of Network claims that are submitted to BCBSMA/RSI. The balance bills amounts are completely outside of the medical plan. Please refer to the medical plan certificate for more information. HMO Summary of Benefits | HMO HDP Summary of Benefits | PPO HDP Summary of Benefits 2024 Benefits Guide | 5

MEDICAL PLAN EDUCATION HOW TO SAVE ON COSTS + Use a doctor, facility, or other provider from + As of June 1, 2023, BB&N is discontinuing the the Blue Cross Blue Shield of MA network BB&N Medical plan opt-out program for new means you’ll pay less out of pocket employees and for current employees newly to search for in- waiving the medical plan. + Use the Find a Doctor tool network providers + Any employees currently receiving the buy- using out benefit may continue to receive the opt- + Get discount prescription drugs by out benefit until they decide to utilize BB&N's to search for drugs you and your GoodRx medical plan or lose their eligibility for family members are prescribed BB&N’s medical plan. + Make sure you’re choosing the most cost- + Note that employees are only eligible for the Check out effective option for getting care. opt-out benefit if they are not on BB&N’s this easy guide to help decide where to go medical plan as either the primary subscriber when you’re sick or injured or as a participant or have not been on the WATCH: GET REWARDED WITH offers you incentives plan for the full year. The amount for the + The SmartShopper tool medical plan opt-out is $1,500 and will be SMARTSHOPPER for using a cost-effective in-network provider. paid at the end of the academic year. Blue Cross Blue Shield of MA Member Extras + Mail-order pharmacy + MyBlue member mobile app + Fitness, weight loss, and mind-body reimbursements + aHealthyMe wellness program + Blue365 Discounts + 24/7 nurse care hotline MOBILE MEMBER PHONE TELEHEALTH SMART FIND A GLOSSARY APP LOGIN SUPPORT SHOPPER DOCTOR 2024 Benefits Guide | 6

YOUR PFA WITH RSI What You Do What BCBS Does What RSI Does + You or a dependent visits a provider + BCBS will process your claim + RSI will issue payment to your provider directly + Show your BCBS ID Card + Then they will notify/pay the provider for the BB&N plan’s share of the deductible and + You pay nothing at the time of the visit + They will send a Summary of Health Plan select copays + Your doctor or provider will bill BCBS Payments to you and your provider. The + RSI will notify you via RSI’s EOB of what BB&N + Track your claims in the RSI Claims Portal for Summary is not a bill and should be saved for has paid on your behalf BB&N Employees your records! + They will let you know what portion of the bill + BCBS sends a weekly report to RSI on your claim you are responsible for paying as outlined in your RSI EOB. YOUR ID CARDS Blue Cross Blue Shield Blue Cross Blue Shield RSI RSI MEDICAL DENTAL MEDICAL PAYER CARD DEBIT CARD This is your primary health insurance This is your dental insurance card. This is your medical supplemental This is your debit card to pay for all card. Please show this card to all Please show this card to your dental payer card. This card is for your approved BCBS Rx medications and all medical providers at the time of provider at the time of service. personal reference only and has no qualified FSA and DCA expenses. service, including pharmacists. commercial value. 2024 Benefits Guide | 7

RSI EXPLANATION OF BENEFITS When you receive your RSI Explanation of Benefits (EOB), make sure it matches the bill sent from the provider before you pay anything. Remember: IF IT’S RED, READ IT! RSI’s Explanation of Benefits (EOB) educates you of 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 HAVE QUESTIONS? Have a question about your Health Plan? Confused about a bill or collection notice you received from a medical provider? Need assistance talking to your medical provider about your plan? The RSI Claims Advocate for BB&N can help! Margaret Patenaude Phone: 1-855-493-9859 x6153 Email: [email protected] 2024 Benefits Guide | 8

1.800MD TELEHEALTH 1.800MD provides you and your family access to board certified physicians around the clock (24/7/365) via telephone or secure video. 1.800MD physicians can give advice, diagnose or treat illness, and even prescribe medication right over the phone. Best of all, there is no cost to you or your family for this service. No Co-payment & No Deductible. How to access the 1.800MD telehealth platform: Common Conditions Treated + Activate your account online, or by calling member services. Once activated you will need to setup your member profile and + Allergies + Gastroenteritis complete your electronic health record. + Arthritic Pain + Headaches + Login to your account online or call member services at 1-800- + Bronchitis + Insect bites 530-8666 to request a consultation anytime 24/7. + Receive diagnosis and treatment, giving you quality care and + Cold/flu + Strains/sprains peace of mind wherever you are. + Conjunctivitis + Sinus infections + Diarrhea + UTI 2024 Benefits Guide | 9

YOUR RX SAVER Your Rx Saver is a copay and deductible offset program available to Blue Cross Blue Shield of MA subscribers. Our prescription drug (Rx) savings program can help you save up to 80% off the price of prescription medications. Prescriptions available through Your Rx Saver may be less expensive than prescriptions available through your health insurance! The benefits offered from this program include: DRUG PRICING CALCULATOR Find your prescription at local pharmacies for the best price PRESCRIPTION ASSISTANCE PROGRAM PAPs are created by pharmaceutical companies to provide free or discounted medicines to people who are unable to afford them DIAGNOSIS BASED ASSISTANCE PROGRAMS DBAs offer help with costs associated with specific diagnosis and cover many types of expenses, such as durable medical equipment, in addition to drugs COUPONS AND REBATES Coupons, rebates, savings cards, trial offers, and free samples FREE/LOW-COST/SLIDING SCALE CLINICS REBATES Nearly 15,000 free or low-cost medical or dental clinics are included in this database to help people find affordable primary and preventive care in their area RETREATS, CAMPS, AND REC PROGRAMS & SCHOLARSHIPS An extensive list of retreats, camps, and recreational programs and scholarships for people of all ages – and their loved ones – that are living with specific conditions Visit www.YourRxSaver.com and enter company code BBN to access savings! Using this program can help reduce BB&N medical plan costs and in turn future medical plan employee cost increases. Please direct questions to [email protected] 2024 Benefits Guide | 10

TOUCHCARE YOUR HEALTHCARE CONCIERGE TouchCare is a health care concierge focused on saving you and TouchCare is open from 8:00 am until 9:00 pm, EST, Monday your dependents time, money and frustration. TouchCare is through Friday. Here is how you can reach the TouchCare team: available to all BB&N employees and family members enrolled in Phone: 866-486-8242 the medical plans. The TouchCare Health Assistants can help you with anything you may need relating to your benefits and ensure E-mail: [email protected] that you have all the tools you need to get to the bottom of any issue. TouchCare will work on your behalf to: Website: www.touchcare.com Solve billing and claims concerns WATCH: TOUCHCARE IS YOUR HEALTHCARE CONCIERGE Find and schedule quality doctors and specialists in your area Provide accurate cost estimates for facilities and treatments close by Answer any benefit related questions, simple or complex, including assisting with PFMLA paperwork Provide guidance on open enrollment decisions or mid-year benefit reviews Assist with finding lowest cost Rx options 11

DENTAL PLAN BLUE CROSS BLUE SHIELD OF MA DENTAL BLUE FREEDOM Benefits begin on June 1st but dental benefits are provided In-Network on a calendar year basis Annual Deductible $50 member / $150 family maximum Annual Maximum Benefits $1,500 / year per person PreventiveCare (Cleanings and Exams) 100% Coverage; deductible does not apply to preventive services Basic Care (Fillings, Extractions, etc.) 80%Coverage* MajorCare (Crowns, Implants, Dentures) 50%Coverage* Orthodontia 100% Coverage; deductible does not apply to orthodontia services Lifetime maximum of $2,000 per family member Accumulated MaximumRollover If your claims do not exceed $700 during the plan year, BCBS will rollover $500 towards your calendar year maximum to use next year and beyond. The rollover balance is capped at $1,250 *after deductible Benefits are reduced by 20 percent when services are received from an out-of-network dentist Dental Summary of Benefits 2024 Benefits Guide | 12

DENTAL PLAN EDUCATION ROUTINE CARE Your plan allows you two free dental cleanings, and one routine x-ray every 12 months PAY THE LEAST When you see a BCBS of MA network dentist, benefits are covered at the in-network level which provides the greatest savings. Click here to find an in-network dental provider. MYBLUE MEMBER APP Download the app to: - track claims & benefits - check deductible balances - find an in-network doctor - view your member ID card - contact member services WATCH: SEEING THE DENTIST IS GOOD FOR YOUR HEALTH MOBILE MEMBER PHONE FIND A GLOSSARY APP LOGIN SUPPORT DOCTOR 2024 Benefits Guide | 13

VISION PLAN BLUE CROSS BLUE SHIELD OF MA 20/20 VISION PLAN In-Network Out-of-NetworkReimbursement EyeExam – Benefit available every 12 months $10copay Up to $50 Frames – Benefit available every 24 months Allowance $150 allowance, then additional 20% off the balance Up to $90 Lenses &Enhancements – Benefit available every 12 months SingleVision $25 copay Up to $42 LinedBifocal $25 copay Up to $78 Lined Trifocal Lenses $25 copay Up to $130 StandardProgressive $90 copay Up to $130 ContactLenses – Benefit available every 12 months Conventional $150 allowance, then additional 15% off the balance Up to $120 Disposable $150 allowance Up to $120 Medically Necessary Paid in full Up to $210 Vision Summary of Benefits 2024 Benefits Guide | 14

LIFE AND AD&D INSURANCE + Employees receive 1x your salary up to $100,000 in life coverage and AD&D coverage + This benefit reduces to 67% at age 70 + BB&N covers 100% of the premium costs of Life and Accidental Death and Dismemberment Insurance through MetLife. + Employees are automatically enrolled in this coverage once they become benefits eligible. + Employees must choose a beneficiary upon eligibility. Additional employee Life insurance on an employee-paid basis is also available. This benefit is provided to all benefits-eligible employees and does not require enrollment. However, we do recommend reviewing your designated beneficiaries regularly to ensure we have the most updated information. 2024 Benefits Guide | 15

LONG-TERM DISABILITY Long-Term Disability (LTD) insurance provides income to workers whose earnings are interrupted by periods of disability longer than 90 consecutive days. Long-term disability refers to a condition where an individual is unable to work for an extended period due to a severe illness, injury, or medical condition. LTD insurance is designed to provide financial support to individuals who are unable to work due to such disabilities, offering a portion of their pre-disability income to help cover living expenses and medical costs during their period of incapacity. This insurance can offer peace of mind by providing a safety net for individuals and their families in the event of a long-lasting inability to work. This benefit pays 60% of your This benefit begins paying Coverage is paid for by your monthly salary tax-free up to after 90 days of disability employer and enrollment is $6,500 automatic 2024 Benefits Guide | 16

Employee Paid Supplemental Life Employee Paid Supplemental Life Insurance Opportunity 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. Statement of Health (SOH) • If you already have Supplemental Life Insurance you may elect an additional $10,000 up to a combined $120,000 of Supplemental Life without SOH • Coverage is portable if an employee leaves BB&N (Please note additional supplemental life insurance can only be elected during open enrollment)

RETIREMENT PLAN Overview BB&N sponsors a 403(b) Retirement Plan through TIAA. Participants select investments based on their goals and risk tolerance. There are two classes of Participants. Full Participants are those employees in regularly scheduled positions with service requirements of at least 1,000 hours per year. Limited Participants are those with lesser schedules, such as those who are temporary, seasonal, or part-time. All Participants, regardless of Plan class, may save from their pay on a pre-tax basis up to IRS limits. Enrollment in this plan must be completed prior to making employee contributions or receiving employer matching contributions. The Plan document has more detailed provisions which will override any conflict with this brief description. IRS Limits + You may contribute up to $23,000 annually + Employees aged 50+ may contribute an additional $7,500 annually + Click here to access the contribution form BB&N Contribution + BB&N contributes 8% of base pay plus a 2% match for those who save at least 2% + Full participants receive BB&N contributions without a waiting period Additional Details (applicable to anyone who began work on or after June 1, 2023) + Any BB&N contributions are forfeited if employment terminates before 15 months of service + Service age requirement of 21 is also added for employer contributions, but not for voluntary savings contributions 2024 Benefits Guide | 18

FLEXIBLE SPENDING ACCOUNTS (FSA)

FLEXIBLE SPENDING ACCOUNTS Healthcare FSA Dependent Care FSA Annual Contribution Max FSA Benefits Annual Contribution Max $3,200 Enjoy significant tax savings with pre-tax deductible $5,000 per household ($2,500 if married filing separately) Rollover contributions and tax-free reimbursements for qualified plan expenses Rollover Rollover up to $640 of unused funds into the next plan Unused funds are forfeited at the end of the plan year year. Unused funds beyond $640 are forfeited Quickly and easily access funds using the prepaid Eligible Expenses benefits card at point of sale, or request to have funds Eligible Expenses Use funds on FSA-eligible out-of-pocket medical, dental, directly deposited to your bank account via online or and vision expenses mobile app Use funds on FSA-eligible childcare or eldercare expenses How to use Funds How to use Funds Use your FSA debit card at point of sale or request Get one-click answers to benefits questions Request reimbursement with receipt through your reimbursement with receipt through your member portal member portal Plan Administrator File claims easily online (when required) and let the Plan Administrator Reimbursement Specialists, Inc. (RSI) system determine approval based on eligibility and Reimbursement Specialists, Inc. (RSI) availability of funds Enrolling Annually Enrolling Annually The IRS requires annual re-enrollment in Flexible Stay up to date on balances and action required with The IRS requires annual re-enrollment in Flexible Spending Accounts. The funds you elect for the year are automated email alerts and the convenient web portal Spending Accounts. The funds you elect for the year are available to use the day the plan begins and mobile app home page messages available to use the day the plan begins 2024 Benefits Guide | 20

FILING AN FSA CLAIM HOW TO FILE AN FSA CLAIM FOR HOW TO FILE AN FSA CLAIM FOR REIMBURSEMENT – MEMBER PORTAL REIMBURSEMENT – MOBILE APP 1 Login to your RSI Member Portal 1 Download the Reimbursement Specialists, Inc Mobile App, then setup your account and login. 2 Select “File A Claim” from the Home Page 2 Click on the account you’re submitting a receipt for (Healthcare or Dependent Care FSA) From the “Pay From” drop down menu, 3 Click the plus sign button next to “New Claim” 3 select the plan you are using to pay for your eligible expense From the “Pay To” drop down menu, select 4 Take a picture of your receipt, or upload a 4 the payee of the claim. If they payment is to photo of your receipt from your phone’s be reimbursed to you, select “Me” camera 5 Enter the details of your claim including date 5 Click ‘Add Claim’ under “Submit My Claim” of service, amount, provider 6 Agree to the terms and conditions of filing a claim and click “Submit” Following submission you will receive an email and/or text confirmation that the claim has been filed. RSI will then review your claim. Approved claims will be paid within 7-10 business days 2024 Benefits Guide | 21

EXTRAS & PERKS

FINANCIAL WELLNESS Helping Employees Develop Financial Confidence TM : WellCents mywellcentsapp.com/login WellCentsTM is a financial wellness solution that helps employees develop financial confidence and remove barriers that prohibit them from reaching their financial goals. Personal Investment Retirement Theprogramprovides: Finance Planning Planning + Personal financial assessments and planning guidance + One-on-one consultations with an IMA Retirement advisor focused on establishing a personalized financial plan based upon the employee’s Protection Estate Retiring unique financial priorities Planning Planning Well + Coordinated advice that integrates an employer’s available benefits offerings Questions? Please feel free to contact + Tailored group education meetings to address a workforce’s specific Ben Stein, Retirement Plan Manager. areas of interest + Mobile appfor employees to complete assessments, schedule one-on- TM WellCents program technology is not proprietary to IMA Retirement. This technology is one sessions, and review action plans offered through the RPAG platform. RPAG and IMA Retirement are separate, non-affiliated companies. IMA Retirement pays RPAG for use of their platform and resources. + Employer reporting that provides insights into a workforce’s financial challenges and measures overall wellness 2024 Benefits Guide | 23

BENEFIT HUB The BB&N BenefitHub employee perk program provides exclusive access to discounts and cash back offers on thousands of the brands you love. Take advantage of savings in a variety of categories, including: + Travel & auto + Apparel + Restaurants + Beauty & spa + Education + Health & wellness + Electronics + Entertainment + Sports & outdoors Register to save Questions? + Go to: bbns.benefithub.com + Call: 1-866-664-4621 + Use referral code 9SYQUQ + Email: [email protected] + Complete the registration process + Bookmark the page for easy access 2024 Benefits Guide | 24

EMPLOYEE ASSISTANCE PROGRAM CONTACT THE EAP + Call 1-888-319-7819 + Username: metlifeeap + Visit metlifeeap.lifeworks.com + Password: eap + View the flyer Lifeworks EAP BB&N faculty & staff and their families have access to free, confidential support to programs, tools, and services intended to help you live a balanced and happy life. Get 5 no-cost phone or online sessions per faculty/staff with EAP counselor (MetLife participants) Counselors provided through LifeWorks can support you with: Family: Going through a divorce, caring for an elderly family member, returning to work after having a baby Work: Job relocation, building relationships with co-workers and managers, navigating through reorganization Money: Budgeting, financial guidance, retirement planning, buying or selling a home, tax issues Legal Services: Issues relating to civil, personal and family law, financial matters, real estate and estate planning Identity Theft Recovery: ID theft prevention tips and help from a financial counselor if you are victimized Health: Coping with anxiety or depression, getting the proper amount of sleep, how to kick a bad habit like smoking Everyday Life: Moving and adjusting to a new community, grieving over the loss of a loved one, military family matters, training a new pet 2024 Benefits Guide | 25

EMPLOYEE PERKS All BB&N faculty and staff have access to the below perks BCBS of MA medical plan subscribers have access to the below perks ALL FACULTY & STAFF PERKS BCBS OF MA MEMBER PERKS • Commuter Benefits • Fitness Reimbursement BB&N subsidizes the cost of MBTA or Commuter Rail passes if an employee does $150 per calendar year for health club with cardiovascular and strength-training not drive and park at the school. If you have any questions regarding this benefit, equipment; or a fitness studio offering instructor-led group classes for certain please contact the Payroll Team. cardiovascular and strength-training programs. You can learn more and submit a • Be Better & Now Wellness Program reimbursement here. In an effort to health and well-being among BB&N employees and their families, • Weight Loss Reimbursement BB&N has a wellness site which includes a number of health and related fitness $150 per calendar year for hospital-based or non-hospital-based weight loss programs HERE. programs that focus on eating and physical activity habits and behavioral/lifestyle • Bicycle Commuter Benefit counseling with certified health professionals. • Other Support & Discounts The Bicycle Commuter Benefit offers reimbursement for employees who regularly 24-hour Nurse Care Line: 1-800-247-BLUE (25823) use a bicycle to travel to work, and who do not receive any other transportation or parking benefits from BB&N. Bicycle commuters are eligible for reimbursement www.ahealthyme.com of up to $240/year for the costs associated with bicycle purchase, improvement, www.livinghealthbabies.com (Text BABY to 511411) repair and storage. Reimbursement is paid through payroll and is a taxable www.blue365deals.com benefit. 2024 Benefits Guide | 26

CHILDCARE PERKS CHILDCARE ASSISTANCE AFTER SCHOOL PROGRAMS SUMMER CAMP For the 24-25 school year, BB&N employees will receive preferential enrollment at two All benefits-eligible employees whose Employees receive a 60% discount on early childcare education providers, both of which are located in Watertown close to the children attend the Lower School can receive Summer@BB&N Programs! Summer@BB&N school's campuses. Enrollment in both programs is limited. After Care for their Lower School students at provides a valuable and enjoyable summer no added cost. camp experience for campers from 4 years Employees receive a $150 discount at The Family Cooperation (TFC) per enrolled month old through rising 12th grade every summer. per child. This discount is prorated for those children not at TFC 5 days and for part-time Please note that ASAP classes, which provide Between Classic Camps, Speciality Camps, employees. More information, including a description of TFC's mission and values, can more structured enrichment opportunities and Sports Camps there is something for be found on TFC’s website and this flier. For more information please after school, are available for an additional everyone! contact [email protected]. fee. For more information, please visit our website or email Employees receive a 10% discount at Four Seasons Preschool. More information, Any questions regarding after school bbnsummer.com including a description of Four Season’s mission and values, can be found at their website programming can be directed to the Director [email protected]. . and this flier. For more information please contact [email protected]. of After School and Auxiliary Faculty Please note that while BB&N is committed to providing support for its employees to access high quality early education for their children, BB&N is continuously evaluating its relationships with early childcare education providers and may discontinue or adjust its relationships after the 24-25 school year. 2024 Benefits Guide | 27

FREQUENTLY ASKED QUESTIONS (FAQ) • How do I contact RSI? You can contact RSI via email at the addresses below. Margaret Patenaude | RSI Claims Advocate | 855-493-9859 x6153 General Inbox | 855-493-9859 Option 1 You can also log into the RSI portal here to view all medical statements and FSA spending. • What’s the difference between RSI and Touchcare? RSI is our wrap plan administrator that works with BCBS to administer your medical expenses. RSI also administers the FSA. Touchcare is a medical concierge service that is here to support you regarding navigating healthcare and disputing any issues around medical expenses. • How much do I have left on my FSA? RSI is our FSA provider - you can contact them and they will be able to tell you your exact balance. If you have any additional questions, please feel free to contact the Office of Human Resources. • I elected the PPO plan and now I have a statement for using an out of network provider. Why is that? We highly encourage staying within the BCBS network county-wide. However, we understand there are times you might have to go out of network and when that happens the out of network medical provider can choose to charge over the BCBS allowable amount. In those cases, you will receive a bill for the difference. This is called balance billing. Linked here is additional information. 2024 Benefits Guide | 28

FREQUENTLY ASKED QUESTIONS (FAQ) • How do I change my TIAA contribution? The Office of Human Resources uses the TIAA salary deferral form to process changes. Please fill out the form and submit it to the Office of HR. We will make the adjustment but please note it will take one payroll cycle for the changes to take effect. • How do I change my tax withholdings? Tax withholdings need to be submitted electronically in ADP. Please log into ADP, then go to the Myself tab>Pay>Tax Withholdings. In ADP you will see your Federal and State W4 forms where you can edit your withholdings. If you have any questions, please feel free to contact us. • Are there any additional steps to take if I want to increase my voluntary life insurance? If you are increasing your life insurance by $20,000 or more, you will need to fill out a medical certification form called a Statement of Health. You will also need to fill out a Statement of Health if you are electing an amount over $120,000. • Who can fill out the PSLF form for me? Please have your form emailed directly to [email protected] and the Office of Human Resources will be happy to assist you. 2024 Benefits Guide | 29

FREQUENTLY ASKED QUESTIONS (FAQ) • How do I receive my bike reimbursement? BB&N Bicycle Commuter Benefit offers reimbursement for employees who regularly use a bicycle to travel to work, and who do not receive any other transportation or parking benefits from BB&N. To receive reimbursement please submit your receipt to Bobby Hahn, Payroll Coordinator, and he will be happy to assist you. Please note the maximum reimbursement amount is $240. • What BB&N Commuter Benefits am I entitled to? MBTA Passes: BB&N will provide employees with MBTA monthly passes at no cost. Commuter Rail Pass Reimbursement: BB&N will reimburse employees through payroll (tax free) upon approval up to $90 per month. This benefit is only available to employees who do not receive any other transportation or parking benefits from BB&N. Please contact Bobby Hahn, Payroll Coordinator, with any questions and he will be happy to assist you. • What is the difference between WellCents and TIAA? TIAA is our retirement administrator. We also have the added benefit of WellCents which supports with retirement planning but can also help with any form of financial planning. 2024 Benefits Guide | 30

QUESTIONS? PLEASE FEEL FREE TO CONTACT THE OFFICE OF HUMAN RESOURCES AT [email protected]

HEALTH PLAN NOTICES

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES HIPAA SPECIAL ENROLLMENT RIGHTS If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. To request special enrollment or obtain more information, contact the Plan Administrator. FAMILY AND MEDICAL LEAVE ACT (FMLA) If the Company and employee (you) are covered under the federal Family and Medical Leave Act (FMLA), then you can take up to 12 weeks of unpaid leave during a 12-month period for one or more of the following reasons: • for the birth and care of the newborn child of the employee; • for placement with the employee of a son or daughter for adoption or foster care; • to care for an immediate family member (spouse, child, or parent) with a serious health condition; or • to take medical leave when the employee is unable to work because of a serious health condition. If you are covered by FMLA, you will have certain rights to maintain health benefits during the FMLA leave. You will be notified of any requirement for you to make any premium payments to maintain health benefits and the arrangements for making such payments along with the possible consequences of failure to make such payments on a timely basis (i.e., the circumstances under which coverage may lapse) and your potential liability for payment of health insurance premiums paid by the employer during your unpaid FMLA leave if you fail to return to work after taking FMLA leave. For more information about FMLA, contact the Plan administrator. GRANDFATHERED STATUS The Plan believes that none of the group health plans available under the Plan are “grandfathered health plans” as described under the Patient Protection and Affordable Care Act (the “Affordable Care Act”).

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES SPECIAL RULE FOR MATERNITY AND INFANT COVERAGE 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 attending provider or physician, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours, as applicable). SPECIAL RULE FOR WOMEN’S HEALTH COVERAGE (WHCRA) If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women's Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: all stages of reconstruction of the breast on which the mastectomy was performed; 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 co-insurance applicable to other medical and surgical benefits provided under the BB&N Health Plan. If you would like more information on WHCRA benefits, please call your Plan Administrator. NOTICE REGARDING LIFETIME AND ANNUAL DOLLAR LIMITS In accordance with applicable law, any lifetime dollar limits and annual dollar limits set forth in the Plan shall not apply to “essential health benefits,” as such term is defined under Section 1302(b) of the Affordable Care Act. The law defines “essential health benefits” to include, at minimum, items and services covered within certain categories including emergency services, hospitalization, prescription drugs, rehabilitative and habilitative services and devices, and laboratory services. A determination as to whether a benefit constitutes an “essential health benefit” will be based on a good faith interpretation by the Plan Administrator of the guidance available as of the date on which the determination is made. PATIENT PROTECTION DISCLOSURE You have the right to designate any participating primary care provider who is available to accept you or your family members (for children, you may designate a pediatrician as the primary care provider). For information on how to select a primary care provider and for a list of participating primary care providers, contact the Plan Administrator. You do not need prior authorization from the Plan or from any other person, including your primary care provider, in order to obtain access to obstetrical or gynecological care from a health care professional; however, you may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, contact the health plan.

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES AFFORDABLE CARE ACT CONSUMER PROTECTIONS a.) Coverage for Children Up to Age of 26 The Affordable Care Act of 2010 requires that the Plan must make dependent coverage available to adult children until they turn 26 regardless of if they are married, a dependent, or a student. (b.) Prohibition of Lifetime Dollar Value of Benefits: the Affordable Care Act of 2010 prohibits the Plan from imposing a lifetime limit on the dollar value of benefits. (c.) Your Health Insurance Cannot be Rescinded The Affordable Care Act of 2010 prohibits the Plan, or any insurer, from rescinding your health insurance coverage except as permitted under the Act. (d.) Prohibition of Pre-Existing Conditions No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. (e.) Prohibition of Restrictions on Annual Limits on Essential Benefits The Affordable Care Act of 2010 prohibits the Plan, or any insurer, effective January 1, 2014, from placing annual limits on the value of essential health benefits. (f) Notice of Marketplace/Exchange You have the option to purchase health insurance at the Health Insurance Marketplace. The Marketplace offers "one-stop shopping" to find and compare private health insurance options as well as a premium tax credit or a cost sharing reduction for certain qualified individuals. If you purchase a health plan through the Marketplace, you will lose any employer contribution toward the cost of your health coverage. Employer contributions to employer-provided coverage may be excludable for federal income tax purposes. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.Healthcare.gov for more information and contact information for a Health Insurance Marketplace in your area. MICHELLE’S LAW Michelle’s Law provides continued health and dental insurance benefits under the Plan for dependent children who are covered under the Plan as a student but lose their student status in a post-secondary school or college because they take a medically necessary leave of absence from school. If your child is no longer a student because he or she is out of school because of a medically necessary leave of absence, your child may continue to be covered under the Plan for up to one year from the beginning of the leave of absence.

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES THE GENETIC INFORMATION NONDISCRIMINATION ACT (GINA) GINA prohibits the Plan from discriminating against individuals on the basis of genetic information in providing any benefits under the Plan. Genetic information includes the results of genetic tests to determine whether someone is at increased risk of acquiring a condition in the future, as well as an individual’s family medical history. WELLNESS Your health plan is committed to helping you achieve your best health. If your Plan includes a Wellness program that provides rewards or surcharges based on your ability to complete an activity or satisfy an initial health standard, and if you think you might be unable to meet a standard for a reward under the wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact the Plan Administrator and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status. YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. 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, such as a copayment, coinsurance, and/or a deductible. You may have other 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” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay 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 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. You are 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 the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). 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.

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS (CONTINUED) 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 may 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 not to be balance billed. If you get other 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 protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network. When balance billing isn’t allowed, you also have the following protections: You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in- network). Your health plan will pay out-of-network providers and facilities directly. Your health plan generally must: • Cover emergency services without requiring you to get approval for services in advance (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 deductible and out-of-pocket limit. If you believe you’ve been wrongly billed, you may contact the Centers for Medicare & Medicaid Services https://www.cms.gov/nosurprises. https://www.cms.gov/nosurprises/Policies-and-Resources/Overview-of-rules-fact-sheets for more information about your rights under federal law. Visit

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES PREMIUM 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). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. Contact your State for more information on eligibility: Alabama California Health Insurance Buy-In Program (HIBI): Website: http://myalhipp.com/ Website: https://www.mycohibi.com/ Phone: 1-855-692-5447 Health Insurance Premium Payment (HIPP) Program HIBI Customer Service: 1-855-692-6442 Alaska http://dhcs.ca.gov/hipp Florida Phone: 916-445-8322 Website: The AK Health Insurance Premium Payment Program Fax: 916-440-5676 https://www.flmedicaidtplrecovery.com/flmedicaidtplrecovery Website: http://myakhipp.com/ Email: [email protected] .com/hipp/index.html Phone: 1-866-251-4861 Colorado Phone: 1-877-357-3268 Email: [email protected] Medicaid Eligibility: Health First Colorado Website: Kansas http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx https://www.healthfirstcolorado.com/ Arkansas Health First Colorado Member Contact Center: Website: https://www.kancare.ks.gov/ Website: http://myarhipp.com/ 1-800-221-3943/ State Relay 711 Phone: 1-800-792-4884 Phone: 1-855-MyARHIPP (855-692-7447) CHP+: https://www.colorado.gov/pacific/hcpf/child-health- HIPP Phone: 1-800-967-4660 plan-plus CHP+ Customer Service: 1-800-359-1991/ State Relay 711

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES PREMIUM ASSISTANCE UNDER MEDICAID AND THE CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP) (CONTINUED) Georgia Email: [email protected] Missouri Website: https://medicaid.georgia.gov/health-insurance- KCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx Website: premium-payment-program-hipp Phone: 1-877-524-4718 http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 678-564-1162 Press 1 Kentucky Medicaid Website: Phone: 573-751-2005 GA CHIPRA website: https://chfs.ky.gov/agencies/dms https://medicaid.georgia.gov/programs/third-oarty- Louisiana Montana liability/childrens-health-insurance-programs- Website: reauthorization-act-2009-chipra Website: www.medicaid.la.gov or www.ldh.la.gov/lahipp http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP phone: 678-562-1162, Press 2 Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618- Phone: 1-800-694-3084 5488 Email: [email protected] Indiana (LaHIPP) Healthy Indiana Plan for low-income adults 19-64 Maine Nebraska Website: http://www.in.gov/fssa/hip/ Enrollment Website: Website: http://www.ACCESSNebraska.ne.gov Phone: 1-877-438-4479 https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-855-632-7633 All other Medicaid Phone: 1-800-442-6003 Lincoln: 402-473-7000 Website: https://www.in.gov/medicaid/ TTY: Maine relay 711 Omaha: 402-595-1178 Phone 1-800-457-4584 Private Health Insurance Premium Webpage: Iowa Nevada https://www.maine.gov/dhhs/ofi/applications-forms Medicaid Website: http://dhcfp.nv.gov Medicaid Website: Phone: -800-977-6740. Medicaid Phone: 1-800-992-0900 https://dhs.iowa.gov/ime/members TTY: Maine relay 711 Medicaid Phone: 1-800-338-8366 Massachusetts New Hampshire Hawki Website: Website: https://www.mass.gov/masshealoh/pa Website: https://www.dhhs.nh.gov/programs- http://dhs.iowa.gov/Hawki Phone: 1-800-862-4840 services/medicaid/health-insurance-premiums-program Hawki Phone: 1-800-257-8563 Phone: 603-271-5218 HIPP Website: TTY: 711 https://dhs.iowa.gov/ime/members/medicaid-a Email: masspremassistance@accenture Toll free number for the HIPP program: 1-800-852-3345, to-z/hipp ext. 5218 HIPP Phone: 1-888-346-9562 Minnesota New Jersey Kentucky Website: Medicaid Website: https://mn.gov/dhs/people-we-serve/children-and http://www.state.nj.us/humanservices/ Kentucky Integrated Health Insurance Premium Payment families/health-care/health-care-programs/programs-and dmahs/clients/medicaid/ Program (KI-HIPP) Website: services/other-insurance.jsp Medicaid Phone: 609-631-2392 https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.as Phone: 1-800-657-3739 CHIP Website: http://www.njfamilycare.org/index.html px CHIP Phone: 1-800-701-0710 Phone: 1-855-459-6328

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES PREMIUM ASSISTANCE UNDER MEDICAID AND THE CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP) (CONTINUED) New York South Carolina Washington Website: https://www.health.ny.gov/health_care/medicaid/ Website: https://www.scdhhs.gov Website: https://www.hca.wa.gov/ Phone: 1-800-541-2831 Phone: 1-888-549-0820 Phone: 1-800-562-3022 North Carolina South Dakota West Virginia Website: https://medicaid.ncdhhs.gov/ Website: http://dss.sd.gov Website: http://mywvhipp.com/ Phone: 919-855-4100 Phone: 1-888-828-0059 http://dhhr.wv.gov/bms/ North Dakota Texas Medicaid Phone: 304-558-1700 CHIP Toll-free phone: 1- Website: Website: https://hs.texas.gov/services/financial/health- 855-MyWVHIPP (1-855-699-8447) http://www.hhs.nd.gov/healthcare insurance-premium-payment-hipp-program Wisconsin Phone: 1-844-854-4825 Phone: 1-800-440-0493 Website: Oklahoma Utah https://www.dhs.wisconsin.gov/badgercareplus/p- Website: http://www.insureoklahoma.org Medicaid Website: https://medicaid.utah.gov/ 10095.htm Phone: 1-888-365-3742 CHIP Website: http://health.utah.gov/chip Phone: 1-800-362-3002 Oregon Phone: 1-877-543-7669 Wyoming Website: http://healthcare.oregon.gov/Pages/index.aspx Vermont Website: Website: https://health.wyo.gov/healthcarefin/medicaid/programs- Phone: 1-800-699-9075 http://www.dvha.vermont.gov/members/medicaid/hipp- and program eligibility/ Pennsylvania Phone: 1-800-250-8427 Phone: 1-800-251-1269 Website: Virginia https://www.dhs.pa.gov/Services/Assistance/Pages/HIPPPr Website: ogram.aspx Phone: 1-800-692-7462 CHIP Website: https://coverva.dmas.virginia.gov/learn/premiumassistanc Children's Health Insurance Program (CHIP) (pa.gov) e/famis-select CHIP Phone: 1-800-986-KIDS (5437) https://coverva.dmas.virginia.gov/learn/premiumassistanc Rhode Island e/health-insurance-premium-payment-hipp-programs Website: http://www.eohhs.ri.gov/ Medicaid/CHIP Phone: 1-800-432-5924 Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line)

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with your employer and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. Your employer has determined that the prescription drug coverage offered by the employer sponsored medical plans are, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and are therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. When Can You Join a Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE (CONTINUED) What Happens to Your Current Coverage If You Decide to Join a Medicare Drug Plan? Your current coverage pays for other health expenses, in addition to prescription drugs. If you are actively employed and decide to join a Medicare drug plan, your current medical coverage will not be affected; you can keep this coverage if you elect part D and this plan will coordinate with Part D coverage. If you are actively employed and you decide to join a Medicare drug plan and drop your current medical coverage, be aware that you and your dependents may be able to get this coverage back at the next open enrollment period or upon a qualifying status change if you remain otherwise eligible to enroll in the Plan. If you are no longer actively employed and you decide to join a Medicare drug plan and drop your current coverage, be aware that you and your dependents will 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 and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher 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 premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For More Information About This Notice or Your Current Prescription Drug Coverage… Contact the plan administrator for further information.

HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE (CONTINUED) For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help. • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov , or call them at 1-800-772-1213 (TTY 1-800-325- 0778). Last updated: February 20, 2024