Battle Lumber 2024 Benefits_T1 MGMT : simplebooklet.com

CONTENTS3beneﬁt plan eligibilityeligible dependentshow to make changesYou may enroll in the benet plans if you are a full-time employee who is scheduled to work 30 hours or more per week. Employee Services reserves the right to request proof of eligibility. All benet eligible employees may be required to submit verication documents for their dependents upon request.You may elect coverage for your legal spouse and or dependent children who are yours by birth, marriage, adoption, or legal guardianship.Unless you experience a life-changing qualifying event,you cannot make changes to your benets until thenext open enrollment period.Qualifying events include things such as: » Marriage, divorce or legal separation » Birth or adoption of a child » Change in child’s dependent status » Death of a spouse, child or other qualied dependent » Change in residence » Change in employment status or a change in coverage under another employer-sponsored plan3456-78910111213141516-19BACKBENEFIT ELIGIBILITY -------------FOR YOUR HEALTH TIPS ---------MEDICAL ----------------------REWARDS ---------------------RALLY ------------------------REAL APPEAL ------------------TELEMEDICINE -----------------DENTAL -----------------------BASIC LIFE AND AD&D------------WALK FOR HEALTH --------------HAZARDS OF VAPING ------------NOTES------------------------LEGAL NOTICES ----------------CONTACT INFORMATION ---------

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SIMPLE STEPS FORBETTER LIVING145632145632145632145632145632145632c a p i t a l a d v i sor shead© 2023 Head Capital Advisors, All rights reserved.Visit www.headcapitaladvisors.com or call 706.733.3459 to speak with a health plan advisor today. TAKE AN EXERCISE BREAKDon’t just grab another cup of coffee -- get up and move. Do some deep lunges or stretches. It’s great for your body and mind. Just 30 minutes of walking  ve times a week may help keep the blues at bay. And if you can’t do those minutes all at once, short bursts help, too.DRINK PLENTY OF WATERIt can do so many good things for you. Staying hydrated is at the top of the list, but it may also help you lose weight. Another reason to go for H2O? Sugary drinks are linked to obesity and type 2 diabetes. If you aren’t a fan of plain water, add ﬂ avor with slices of orange, lemon, lime, watermelon, or cucumber.DON’T SMOKE OR VAPEIf you do, quit. It’s a big move toward better health. Your body repairs itself quickly. The bene ts for yourself and those around you are well worth it. Why wait? Research it for yourself and learn how to kick the habit today!SLEEP WELLThere are almost too many bene ts to list. A good night’s sleep keeps you in a better mood, sharpens memory and focus, and helps you learn new things. In the long term, it lowers your risk of heart disease and helps you keep trim. Aim to get 7 to 9 hours a night. For the best rest, do it on schedule -- turning in and waking up at about the same times every day.HAVE BREAKFASTIt jump-starts your metabolism and stops you from overeating later. Plus, studies show that adults who have a healthy breakfast do better at work, and kids who eat a morning meal score higher on tests. If a big plateful  rst thing isn’t for you, keep it light with a granola bar or a piece of fruit. Just don’t skip it.LEARN SOMETHING NEWNew skills help keep your brain healthy. Sign up for a dance class or a creative writing workshop. Better yet, master a new language. The mental work it takes can slow the signs of aging and may even delay the effects of Alzheimer’s disease.4BATTLE LUMBER COMPANYFOR YOUR HEALTH

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MEDICAL PLAN(P1000i100ES21B RX4ESB)100% IN NETWORK - 50% OUT OF NETWORKPLAN SUMMARY IN NETWORKCALENDAR YEAR DEDUCTIBLE$1,000 for INDIVIDUAL / $2,000 for FAMILOUT-OF-POCKET MAXIMUM$3,500 for INDIVIDUAL / $7,000 for FAMILY SERVICE DESCRIPTIONYOU PAY ...ACA Preventive Care $0PCP Office Visit(completed & billed in office)$25 copay(includes exam, lab and non complex xray)Specialist Office Visit$75 copay(includes exam, lab and non complex xray)Telemedicine$0 copayLaboratory Testing(Labcorp / Quest)0%Major Diagnostics(MRI, MRA, PET, CT)Deductible, then 0%Urgent Care$50 copayEmergency Room(medically necessary)Deductible, then $300 copayInpatient AdmissionDeductible, then 0%Outpatient Services / Surgery Deductible, then 0%Prescription - Retail$10 (T1/T1SP) $35 (T2/T2SP) $75 (T3/TT3SP) $250 (T4) $500 (T4SP)Prescription - Mail Order (90 day supply)$25 (T1) $87.50 (T2) $187.50 (T3) $625 (T4) 5WHITE OAK MANAGEMENT BENEFITS JAN 1, 2024 - DEC 31, 2024United Healthcare | MEDICAL INSURANCETHIS BENEFIT IS 100%EMPLOYER PAID> Refer to your plan Summary Benefits of Coverage (SBC) and Certificate of Insurance Coverage documents for more detailed information. <

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UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Subject to HSA eligibility, as applicable. This program is not available in Hawaii, Kansas, Vermont and Puerto Rico. Components subject to change.The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.B2C EI221796992.2 1/23 © 2023 United HealthCare Services, Inc. All Rights Reserved. 23-2037105-CThere are 2 ways to get startedOn the UnitedHealthcare® app• Scan this code to download the app • Sign in or register• Select the Menu tab and choose UHC Rewards• Activate UHC Rewards and start earning• Though not required, connect a tracker and get access to even more reward activities On myuhc.com®• Sign in or register• Select UHC Rewards• Activate UHC Rewards• Choose reward activities that inspire you — and start earningYour healthGet in on an experience that’s designed to help inspire healthier habitsYour rewardsEarn up to $1,000 and use it however you wantYour goalsPersonalize how you earn by choosing the activities that are right for youQuestions?Call customer service at 1-866-230-25057WHITE OAK MANAGEMENT BENEFITS JAN 1, 2024 - DEC 31, 2024United Healthcare | REWARDS

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Rally Health® provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor’s care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.B2C EI211145714.0 1/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 21-1140965-KRally® can offer small steps for a healthier lifestyle — and help you earn rewards along the way.Get support to eat healthier, sleep better and move moreTake the Health SurveyUse your results to help set health goals.Get personalized recommendationsBuild healthier habits with well-being programs, activities and more.Earn rewardsTake healthy actions, achieve goals and earn Rally Coins.Visit myuhc.com® > Health Resources > Rally8BATTLE LUMBER COMPANYUnited Healthcare | R A LLY

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Health Management | Real AppealReal Appeal® on Rally Coach™ is an online weight management support program that can help you and eligible family members get healthier and stay healthier. On average, participants lose 10 pounds after attending just four online sessions.*Get support every step of the way 1-on-1 coachingStay on track and motivated with online group sessions led by a coach.No additional costReal Appeal is available at no additional cost as part of your health benefits.Success kitGet scales, a portion plate and access to on-demand fitness videos that match your level and goals.“It’s given me the tools to eat healthfully. With personal coaching and weekly education on living a healthy lifestyle, I lost 60 pounds. I feel great.”Take small steps for lasting change, like Sandy didLearn moreStart today at realappeal.com© 2022 United HealthCare Services, Inc. 9/22 WF8107537 222414-082022_OHC*Real Appeal is a voluntary weight loss program that is offered to eligible participants over age 18 at no additional cost as part of their plan benefits. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determine what may be right for them. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/tools under the program. Talk to your doctor before starting any weight loss program.Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by All Savers Insurance Company (except CA, MA, MN, NJ and NY), UnitedHealthcare Insurance Company in MA and MN, UnitedHealthcare Life Insurance Company in NJ, UnitedHealthcare Insurance Company of New York in NY, and All Savers Life Insurance Company of California in CA.Sandy lost60 lbs9WHITE OAK MANAGEMENT BENEFITS JAN 1, 2024 - DEC 31, 2024United Healthcare | REAL APPEAL

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Health Management | UnitedHealthcare Level FundedVirtual care is available on your plan participants’ app, web or phoneWhat is HealthiestYou?HealthiestYou is a virtual health service that offers convenient, confidential access to U.S. board-certified physicians 24/7, anytime, anywhere. By scheduling a phone or video visit with one of our U.S. board-certified and licensed medical doctors, plan participants can be diagnosed, treated and prescribed medication, if necessary, for conditions like the flu, sinus infections, rashes and more. With HealthiestYou, plan participants can also price prescriptions in their area, search for providers, get an expert medical opinion on an existing condition and more. Virtual care services include general medical, dermatology, mental health, back and neck care.How do I access HealthiestYou?Plan participants can download the HealthiestYou app, visit the website at member.healthiestyou.com or call 1-866-703-1259 to set up their account. Once their account is set up, they can access all of the HealthiestYou services through the HealthiestYou app or website, and visits with a doctor by calling the number above.What is Expert Medical Services?In addition to the virtual care services that HealthiestYou provides, plan participants also have access to Expert Medical Services through HealthiestYou. When dealing with a difficult diagnosis or questioning a treatment plan or upcoming surgery, plan participants can have their medical case reviewed at no additional cost by a leading expert who specializes in their condition. Access these services through the HealthiestYou app or by calling 1-866-904-0910.All trademarks are the property of their respective owners.HealthiestYou is not health insurance. HealthiestYou is designed to complement, and not replace, the care you receive from your primary care physician. HealthiestYou physicians are an independent network of doctors who advise, diagnose, and prescribe at their own discretion. HealthiestYou physicians provide cross coverage and operate subject to state regulations. Physicians in the independent network do not prescribe DEA controlled substances, non- therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. HealthiestYou does not guarantee that a prescription will be written. Services may vary by state. HealthiestYou by Teladoc® and UnitedHealthcare are not affiliated and each entity is responsible for its own contractual and financial obligations.© 2020 Teladoc Health, Inc. All rights reserved. HealthiestYou and the HealthiestYou logo are registered trademarks of Teladoc Health, Inc., and may not be used without written permission. HealthiestYou does not replace the primary care physician. HealthiestYou does not guarantee that a prescription will be written. HealthiestYou operates subject to state regulation and may not be available in certain states. HealthiestYou does not prescribe DEA-controlled substances, non-therapeutic drugs, and certain other drugs that may be harmful because of their potential for abuse. HealthiestYou physicians reserve the right to deny care for potential misuse of services.Note: The above services list is not all-inclusive. This information is solely provided for general informational purposes only and is not intended to take the place of legal or tax advice regarding HSA eligibility. Please consult your own legal or tax professional.Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by All Savers Insurance Company (except CA, MA, MN, NJ and NY), UnitedHealthcare Insurance Company in MA and MN, UnitedHealthcare Life Insurance Company in NJ, UnitedHealthcare Insurance Company of New York in NY, and All Savers Life Insurance Company of California in CA.B2B EI21923457.1 3/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 22-145605010BATTLE LUMBER COMPANYUnited Healthcare | TELEMEDICINE

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PLAN DESCRIPTIONDEDUCTIBLE COINSURANCEIN-NETWORKOUT-OF-NETWORKIN-NETWORKOUT-OF-NETWORKCALENDAR YEAR DEDUCTIBLE$50 $150 $50 $150PREVENTIVE SERVICES• Routine oral examinations (twice per calendar year)• Routine cleanings (twice per calendar year))• Bitewing x-rays (once per calendar year)• Full mouth X-rays (once every 60 months)• Fluoride treatment - once per calendar year (covered only fordependent children under age 16)• Sealants (covered only for dependent children under age 16once per tooth each 36 months)• Emergency exams - subject to Routine exam frequency limit$0 $0 100% 100%BASIC SERVICES• Periodontal maintenance - if three months have passed since activesurgical periodontal treatment; subject to Routine cleaning frequency limit• Fillings - covered once every 24 months• Simple oral surgery (simple extractions)• Simple endodontics (root canal therapy for anterior teeth)• Complex endodontics (root canal therapy for molar teeth)• Non-surgical periodontics, including scaling and root planing - once perquadrant per 24 months• Periodontal surgical procedures - once per quadrant per 36 months$50 $50 80% 80% MAJOR SERVICES• Complex oral surgical procedures• General anesthesia / IV sedation (covered only for specic procedures)• Crowns - each 60 months per tooth• Core buildup - each 60 months per tooth• Bridges (initial placement / replacement) - 60 months old• Dentures (initial placement / replacement) - 60 months old$50 $50 50% 50%COMBINED ANNUAL MAXIMUMThis is the total amount your insurance will cover annually forall services combined.$1,000DENTALEmployee Only $9.06 Employee & Spouse $19.03 Employee & Child(ren) $19.62 Employee & Family $30.64 11WHITE OAK MANAGEMENT BENEFITS JAN 1, 2024 - DEC 31, 2024Principal | DENTAL INSURANCERATESWill bedeductedeach payperiod (52)

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100% EMPLOYER PAIDBASIC LIFE BENEFIT SUMMARY 100% EMPLOYER PAIDBENEFIT AMOUNT $50,000 - Owner Executive / $20,000 - Other Salaried ManagementGUARANTEED ISSUEAmount of coverage you may buy withoutanswering medical questions.If you are under age 70: $50,000 / $20,000If you are 70 or older: The lesser of $50,000 / $20,000 or the amount with the prior carrier.BENEFIT REDUCTIONAs you get older, your life insurance benetamount decreases. 35% reduction at age 65, with an additional 15% reduction at age 70.Age reductions apply to the benet amount after providing health information.AD&D LOSS AD&D BENEFITLoss of life 100%Loss of hand, foot, or sight in one eye 50%Loss of thumb and index nger on the same hand 25%Seatbelt / airbag - If you die in a car accident whilewearing a seat belt or protected by an airbag$10,000Repatriation - If you die at least 100 miles from your home Up to $2,000Loss of use / paralysis - If you have total loss ofmovement in your hands, feet, arms, and/or legs for12 consecutive months or permanent paralysisFor total and irrevocable loss of voluntary movement for 12 consecutive months or paralysis that is permanent, complete and irreversible, the benet is: 100% for quadriplegia; 50% for paraplegia, hemiplegia, loss of use of both hands or bothfeet, or loss of use of one hand and one foot; or 25% for loss of use of one arm, one leg, one hand or one footLoss of sight, speech and/or hearing - If you have totalloss of sight, speech and/or hearing for 12 consecutivemonthsWhen loss is irrevocable and continues for 12 consecutive months, the benet is: 100% for loss of both speech and hearing; 50% for loss of speech or hearing;25% for loss of hearing in one earEducation - If your dependent(s) are enrolled in anaccredited post-secondary school at the time of your death$3,000/year for up to 4 years12BATTLE LUMBER COMPANYPrincipal | BASIC LIFE and AD&D100% EMPLOYER PAID

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WALKIT OUTWALKIT OUTThe Amazing Benefits of Walking© 2023 Head Capital Advisors, All rights reserved.UPLIFT MOODMANAGE WEIGHTINCREASE ENERGYBOOST INTELLECTIMPROVE HEALTHDELAY AGINGResearch shows that walking daily kick-starts your nervous system to such an extent that you will see a decrease in anxiety and frustration. This, in turn, boosts your mood by lowering stress and depression. Furthermore, walking can also spark your inner creativity as your brain function and mood are improved.Walking is a low-intensity exercise which can actually help in losing weight and reducing belly fat. Research shows that people who are physically active burn more calories.This helps you get to and maintain a healthly weight.Walking increases blood ﬂ ow around the body so that more blood — containing oxygen and nutrients for fuel — can reach the large muscles in the legs as well as the brain. This is what makes you feel energized. Even a single 15-minute walk can give you an energy boost, and the bene ts increase with more frequent physical activity. According to a new study, walking may boost brain function and thinking skills in people suffering from dementia. The  ndings of the study suggest that walking a few times per week will reduce the risk of age-related memory loss disease called dementia and improve cognitive function.Walking daily for 30 minutes a day will increase your heart rate and lower your blood sugar levels. A study revealed that physical activity such as walking could slash the risk of various chronic diseases including diabetes mellitus, colon cancer, breast cancer, obesity, hypertension, bone and joint diseases and depression.As you age, you might experience pain and stiffness in the joints after waking up in the morning. Walking is one of the best ways to combat this as it will keep your body muscles functioning, strengthen your bones and keep you younger. This, in turn, will increase your lifespan.13WHITE OAK MANAGEMENT BENEFITS JAN 1, 2024 - DEC 31, 2024WALK FOR HEALTH

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SMOKING AND VAPING ARE BOTH HARMFUL FOR YOU.Breathing in the harmful chemicals from vaping products can cause irreversible lung damage, lung disease and, in some cases, death. Some chemicals in vaping products can also cause cardiovascular disease and biological changes that are associated with cancer development. In June 2022, the National Health and Medical Research Council (NHMRC) published a comprehensive report on e-cigarettes. It concluded that while research was still trying to catch up with the relatively new range of vaping products on the market, there is already cause for serious concern.CIGARETTES AND E-LIQUIDS BOTH CONTAIN DAMAGING NICOTINE.The NHMRC also found that e-liquids can contain the addictive drug nicotine in large amounts and many other chemicals known to be toxic for people, including heavy metals. It warned that some e-liquids labelled ‘nicotine-free’ still contained the addictive drug. Human and animal studies have found that nicotine exposure from e-cigarettes during adolescence adversely affects cognitive development, and animal research suggests that it has a more severe impact on the most vulnerable parts of the brain.SMOKING AND VAPING EXPOSE YOUR LOVED ONES TO DETRIMENTAL CHEMICALS.It’s a myth that secondhand emissions from e-cigarettes are harmless. Many people think the secondhand vapor is just water, but this couldn’t be farther from the truth. The Surgeon General has concluded that secondhand emissions from e-cigarettes contain, “nicotine; ultra ne particles; ﬂ avorings such as diacetyl, a chemical linked to serious lung disease; volatile organic compounds such as benzene, which is found in car exhaust; and heavy metals, such as nickel, tin, and lead.”NIc a p i t a l a d v i sor sheadNEITHERTHE BESTCHOICE IS© 2023 Head Capital Advisors, All rights reserved.Visit www.headcapitaladvisors.com or call 706.733.3459 to speak with a health plan advisor today. 14BATTLE LUMBER COMPANYHAZARDS OF VAPING

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16IMPORTANT NOTICE FROM BATTLE LUMBER COMPANY ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICAREPlease read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Battle Lumber Company 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) Battle Lumber Company has determined that the prescription drug coverage offered by the Battle Lumber Company is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.When Can You Join A Medicare Drug Plan?You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.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.What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?If you decide to join a Medicare drug plan, your current Battle Lumber Company coverage will be affected. If you do decide to join a Medicare drug plan and drop your current Battle Lumber Company 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 with Battle Lumber Company 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 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.govCall 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 helpCall 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).HIPAA SPECIAL ENROLLMENT NOTICEIf 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 Human Resources.WHCRA ENROLLMENT NOTICEIf 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 important legal notices

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17(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 coinsurance applicable to other medical and surgical benefits provided under this plan. If you would like more information on WHCRA benefits, contact Human Resources.NEWBORNS’ ACT DISCLOSUREGroup 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 insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).GENERAL NOTICE OF COBRA CONTINUATION COVERAGE RIGHTSWhat is COBRA continuation coverage?COBRA continuation coverage is a continuation of Plan coverage when it would otherwise end because of a life event. This is also called a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event.Under the Plan, qualified beneficiaries who elect COBRA continuation coverage must pay for COBRA continuation coverage.If you’re an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events:• Your hours of employment are reduced, or• Your employment ends for any reason other than your gross misconduct.If you’re the spouse of an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events:• Your spouse dies;• Your spouse’s hours of employment are reduced;• Your spouse’s employment ends for any reason other than his or her gross misconduct;• Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or• You become divorced or legally separated from your spouse.Your dependent children will become qualified beneficiaries if they lose coverage under the Plan because of the following qualifying events:• The parent-employee dies;• The parent-employee’s hours of employment are reduced;• The parent-employee’s employment ends for any reason other than his or her gross misconduct;• The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both);• The parents become divorced or legally separated; or• The child stops being eligible for coverage under the Plan as a “dependent child.”When is COBRA continuation coverage available?The Plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. The employer must notify the Plan Administrator of the following qualifying events:• The end of employment or reduction of hours of employment;• Death of the employee; or• The employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both).For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator (Human Resources) within 60 days after the qualifying event occurs.How is COBRA continuation coverage provided?Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage on behalf of their spouses, and parents may elect COBRA continuation coverage on behalf of their children.COBRA continuation coverage is a temporary continuation of coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage.There are also ways in which this 18-month period of COBRA continuation important legal notices

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18coverage can be extended:Disability extension of 18-month period of COBRA continuation coverage:If you or anyone in your family covered under the Plan is determined by Social Security to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to get up to an additional 11 months of COBRA continuation coverage, for a maximum of 29 months. The disability would have to have started at some time before the 60th day of COBRA continuation coverage and must last at least until the end of the 18-month period of COBRA continuation coverage.Second qualifying event extension of 18-month period of continuation coverage:If your family experiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months, if the Plan is properly notified about the second qualifying event. This extension may be available to the spouse and any dependent children getting COBRA continuation coverage if the employee or former employee dies; becomes entitled to Medicare benefits (under Part A, Part B, or both); gets divorced or legally separated; or if the dependent child stops being eligible under the Plan as a dependent child. This extension is only available if the second qualifying event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred.Are there other coverage options besides COBRA Continuation Coverage?Yes. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicare, Medicaid, Children’s Health Insurance Program (CHIP), or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options atwww.healthcare.gov.Can I enroll in Medicare instead of COBRA continuation coverage after my group health plan coverage ends?In general, if you don’t enroll in Medicare Part A or B when you are first eligible because you are still employed, after the Medicare initial enrollment period, you have an 8-month special enrollment period1 to sign up for Medicare Part A or B, beginning on the earlier of• The month after your employment ends; or• The month after group health plan coverage based on current employment ends.If you don’t enroll in Medicare and elect COBRA continuation coverage instead, you may have to pay a Part B late enrollment penalty and you may have a gap in coverage if you decide you want Part B later. If you elect COBRA continuation coverage and later enroll in Medicare Part A or B before the COBRA continuation coverage ends, the Plan may terminate your continuation coverage. H–owever, if Medicare Part A or B is effective on or before the date of the COBRA election, COBRA coverage may not be discontinued on account of Medicare entitlement, even if you enroll in the other part of Medicare after the date of the election of COBRA coverage.If you are enrolled in both COBRA continuation coverage and Medicare, Medicare will generally pay first (primary payer)and COBRA continuation coverage will pay second. Certain plans may pay as if secondary to Medicare, even if you are not enrolled in Medicare.For more information visit https://www.medicare.gov/medicare-and-you.Keep your Plan informed of address changesTo protect your family’s rights, let the Plan Administrator know about any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the Plan Administrator.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 important legal notices

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19on eligibility.GEORGIA – MedicaidGA HIPP Website: https://medicaid.georgia.gov/health-insurance-premium-payment-program-hippPhone: 678-564-1162, Press 1GA CHIPRA Website: https://medicaid.georgia.gov/programs/third-party-liability/childrens-health-insurance-program-reauthorization-act-2009-chipraPhone: 678-564-1162, Press 2SOUTH CAROLINA – MedicaidWebsite: https://www.scdhhs.govPhone: 1-888-549-0820To see if any other states have added a premium assistance program, or for more information on special enrollment rights, contact either:U.S. Department of LaborEmployee Benefits Security Administrationwww.dol.gov/agencies/ebsa1-866-444-EBSA (3272)U.S. Department of Health and Human ServicesCenters for Medicare & Medicaid Serviceswww.cms.hhs.gov1-877-267-2323, Menu Option 4, Ext. 61565YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLSWhen 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 SERVICESIf 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.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 protections 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 No Surprises Help Desk at 1-800-985-3059 from 8 am to 8 pm EST, 7 days a week, to submit your question or a complaint. Or, you can submit a complaint online at https://www.cms.gov/nosurprises/consumers/complaints-about-medical-billing.Visit https://www.cms.gov/nosurprises for more information about your rights under federal law.important legal notices

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