2022-2023

BENEFITS GUIDE April 1, 2022 - March 31, 2023

Welcome!

Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of quality benefits to protect your health, your family and your way of life. This brochure was designed to answer some of the basic questions you may have about your benefits. Please read it carefully along with any supplemental materials you receive.

Inside

• • • • • •

Medical Plans Dental Plans Vision Plan Flexible Spending Accounts (FSA) Health Savings Accounts (HSA) Health Reimbursement Arrangement (HRA)

• Life and Accidental Death & Dismemberment Insurance • Disability Insurance • Employee Assistance Program (EAP) • Voluntary Benefits • Valuable Extras • Cost of Benefits • Contact Information

Eligibility & Enrollment Eligibility

Choose Carefully!

You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Your eligible family members include:

Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a Qualifying Event during the year. Following are examples of the most common Qualifying Events:

 Your legally married spouse  Your Registered Domestic Partner (RDP) or their children, where applicable by state law  Your children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage. Required Information — At enrollment, you are required to enter the Social Security number (SSN) for all covered dependents. Healthcare Reform law requires the company to report this information to the IRS each year to show that you and your dependents have medical coverage and are not subject to a federal tax penalty. This information will be securely submitted to the IRS and will remain confidential.

When Coverage Begins You will receive an email from Plansource when it is time to make your elections. To be covered, you must complete the enrollment process by the deadline indicated in the email. If you enroll on time, coverage is effective on the first of the month following 60 days from your date of hire for non-exempt employees, and first of the month following date of hire for exempt employees. If you fail to enroll on time, you will NOT have benefits coverage (except for Company-paid benefits). Changes made during Open Enrollment are effective at the start of the plan year.

2

 Marriage or divorce  Birth or adoption of a child  Child reaching the maximum age limit  Death of a spouse, Registered Domestic Partner (RDP), or child  Change in child custody  Change in coverage election made by your spouse/RDP during his/her employer’s Open Enrollment period  You lose coverage under your spouse’s/RDP’s plan To make changes to your benefit elections, you MUST contact Human Resources within 30 days of the Qualifying Event (including newborns). Be prepared to show documentation of the event such as a marriage license, birth certificate, or a divorce decree. If changes are not submitted on time, you must wait until the next Open Enrollment period to make your election changes.

How To Enroll To enroll for benefits, login into the benefits portal from https://benefits.plansource.com/logon/goodleap Username: Use your Kronos username. Password: See Plansource auto generated email.

2022-2023 BENEFITS ENROLLMENT GUIDE

Medical Plans GoodLeap is proud to offer you a variety of medical plans through Kaiser Permanente (California only) and United Healthcare PPO administered by UMR. Coverage under all plans includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle. Following is a brief description of each plan.

HMO (CA only) With the HMO plan, you select a Primary Care Physician (PCP) from the participating network of providers who will coordinate your healthcare needs including referrals to specialists and approving further medical treatment. Services received outside of the HMO are not covered, except in the case of emergency medical care.

PPO The PPO plan gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the United Healthcare network. The calendar year deductible must be met before certain services are covered.

HSA An HSA plan is a High Deductible Health Plan (HDHP) that gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the Kaiser Permanente or United Healthcare networks. The highlight of this plan is that it allows you to open a Health Savings Account (HSA) through PayFlex, which is a special savings account that allows you to save pre-tax dollars to pay for any “qualified healthrelated expenses” permitted under federal tax law.* This includes most medical care and services, prescription drugs, dental services, vision care, and expenses related to meeting the plan’s deductible. For a complete list of qualified health-related expenses, visit www.irs.gov/pub/irs-pdf/p502.pdf.

HSA Contribution Limit

2022

Employee Only

$3,650

Family (employee + 1 or more)

$7,300

Catch-up (age 55+)

$1,000

The money in the HSA is yours and it grows and remains with you, even when you change medical plans, employers or retire. Funds may be rolled over year to year and there is no “use-it or lose-it” rule. You decide when to use your savings to pay for qualified health-related expenses. This provides a strong incentive for you to spend wisely on your medical care, just like you do on other items you purchase. You may use your HSA funds to pay for qualified health-related expenses for yourself, your spouse, your tax-dependent children, and others you claim as dependents on your federal tax return — this is true even if they are not covered under the medical plan.

Health Reimbursement Arrangement (HRA) Details Member Responsibility

HRA Reimburses

All Kaiser Copays: Office Visits, Urgent Care & Pharmacy

All deductible charges to a maximum reimbursement of $4,500 for Individual, $9,000 for Family, per calendar year

Here’s how the HSA plan works:

 Deductible – You must meet the entire deductible before the plan

Substantiation of Expenses

 Coinsurance – Once you’ve met the plan’s annual deductible, you are responsible for a portion of your medical expenses, which is called coinsurance.

All medical plan claims must first be processed by the group health plan before the HRA Administrator, Grenz & Company, can review them for reimbursement. For this reason, all claims must be submitted with the Kaiser explanation of benefits (EOB). Additional provider or claim information may be requested to complete the process.

 Out-of-Pocket Maximum – Once your deductible and coinsurance add

Reimbursement Process

starts to pay medical and prescription drug benefits (excluding in-network preventive care and certain preventive medications).

up to the plan’s annual out-of-pocket maximum, the plan will pay 100% of all eligible covered services for the rest of the calendar year.

 Health Savings Account (HSA) – To help offset the annual deductible, you may deposit your own dollars into your HSA through pre-tax payroll deductions.

The guidelines for contribution maximums are set by the IRS each year. The maximum amount that can be contributed into an HSA is outlined in the following table:

The HRA comes with a debit card to cover prescriptions and any services Kaiser applies to the plan deductible (capped at $250/ transaction). Kaiser will apply the plan deductible to everything except Preventive care and the first 3 office visits per year so the debit card provides easy access to HRA funds. All other HRA claims must be submitted to the HRA Administrator with a signed claim form, via the online portal or their mobile app. Reimbursements are processed within 7-10 business days. To improve reimbursement time, submit a onetime direct deposit form (all forms can be downloaded from the online benefits site). NOTE: HRA funds replenish as your deductible resets every January 1st. 2022 claims must be submitted by March 31, 2023 to be reimbursed (based on date of service, not payment date).

*State taxation rules may apply.

2022-2023 BENEFITS ENROLLMENT GUIDE

3

Kaiser Medical Plans The chart below provides a high-level overview of your medical plan options.

Kaiser Permanente HMO $5,500 Plan + HRA (CA only)

Kaiser Permanente $2,800 HSA Plan (CA only)

In-Network Only

In-Network Only

Individual

$5,500 less HRA = copays below

$2,800

Family

$11,000 less HRA = copays below

$5,600

Key Medical Benefits Deductible (per calendar year)

Out-of-Pocket Maximum (per calendar year) Individual

$7,500 less HRA = $3,000

$5,250

Family

$15,000 less HRA = $6,000

$10,500

$50 copay* after HRA

$30 copay*

No charge

No charge

30%*

$10 copay*

Covered Services Office Visits (physician/specialist) Routine Preventive Care Outpatient Diagnostic Lab & X-ray Complex Imaging

30%*

$50 copay*

Chiropractic

$15 copay 1

Not covered

Ambulance

30%*

$100 copay*

Emergency Room

30%*

30%*

$50 copay* after HRA

$30 copay*

Inpatient Hospital Stay

30%*

30%*

Outpatient Surgery

30%*

30%*

Retail Pharmacy (30-day supply)

$15* / 40% to max of $100*

$10* / $30* / N/A

Mail Order (100-day supply)

$30* / 40% to max of $100*

$20* / $60* / N/A

Urgent Care Facility

Prescription Drugs (Generic / Brand)

Coinsurance percentages and copay amounts shown in the above chart represent what the member is responsible for paying. * Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay. † See Page 3 for additional HRA details and note that the debit card is issued automatically for all Kaiser HRA plan enrollees. 1. Up to 24 visits per calendar year

4

2022-2023 BENEFITS ENROLLMENT GUIDE

Additional Kaiser Resources Take advantage of these extra perks – from personal health coaching to reduced rates on alternative medical therapies

HEALTHY RESOURCES

CARE AT YOUR FINGERTIPS, ANYTIME

TAKE TIME FOR SELF-CARE

Use your kp.org account or the Kaiser Permanente app to get no or low-cost access to:

Manage stress, improve your mood, sleep better, and more with the help of the Calm and myStrength wellness apps, available at no cost to adult members. Kp.org/selfcareapps ENJOY DEEP DISCOUNTS Get reduced rates on a variety of health-related products and services including: • Pay only $25 per month for access to a network of more than 10,000 fitness centers • Up to 25% off • Massage Therapy • Chiropractic Care • Acupuncture Kp.org/choosehealthy Choosehealthy.com STAY ACTIVE FROM ANYWHERE With ClassPass you can stay active no matter where you want to sweat it out. This includes: • Unlimited on-demand video workouts at no cost • Reduced rates on livestreams of toprated fitness classes • Reduced rates on in-person gym classes Kp.org/exercise HEALTHY LIFESTYLE PROGRAMS With our online wellness programs you’ll get advice, encouragement and tools to help you create positive changes in your life. These include: • Lose weight • Eat healthier • Quit smoking • Reduce stress • Manage ongoing conditions like diabetes or depression Kp.org/healthylifestyles JOIN HEALTH CLASSES With all kinds of health classes and support groups offered at our facilities, there’s something for everyone. Classes vary by location and some may require a fee. Kp.org/classes GET A WELLNESS COACH If you need a little extra support, we offer Wellness Coaching by phone at no cost. You’ll work one-on-one with your personal coach to make a plan to help you reach your health goals.

• A licensed care provider you can speak with 24/7 for medical advice • Care by phone or video • Email your doctor’s office for answers to non-urgent questions CONVENIENT URGENT CARE OPTIONS AT MINUTECLINIC When you travel to a state that doesn’t have KP, you can visit select MinuteClinic CVS and Target stores. You’ll pay your standard copay or coinsurance – no matter where you are EMERGENCY OR URGENT CARE, ANYWHERE IN THE WORLD If you or your family need emergency or urgent care, you can go to the nearest urgent care facility or hospital. Afterwards, file a claim with us for reimbursement TRAVELING? YOU’RE COVERED! No matter where life takes you or your family, Kaiser Permanente has you covered. If something unexpected happens while away from home, it is now easier than ever to get care SUPPORT WHILE AWAY FROM HOME Need help or want to learn if additional coverage may be advised? We’re here to answer any questions you may have along the way • Call the Away from Home Travel Line at 951-268-3900 • Visit kp.org/travel

AT KAISER PERMANENTE, TELEHEALTH IS BUILT INTO YOUR HEALTHCARE PACKAGE. You get a richer, more connected experience at Kaiser Permanente because we treat every encounter just like an in person visit. • Kaiser Permanente doctors Whether you’re at home or on the go, you can talk to your own Kaiser Permanente doctor and nursing staff. • Connected to medical record You get better, personalized care because your doctors can see your medical history. • Supporting prevention and overall health Kaiser Permanente Telehealth is connected, so when you have a virtual visit, you get ongoing and preventive care, not just support for one incident

Kp.org/wellnesscoach

2022-2023 BENEFITS ENROLLMENT GUIDE

5

UMR Medical Plans The chart below provides a high-level overview of your medical plan options.

Key Medical Benefits

UMR United Healthcare PPO High

UMR United Healthcare PPO Low

UMR United Healthcare HSA PPO

In-Network Only Out-of-Network1 In-Network Only Out-of-Network1 In-Network Only Out-of-Network1 Deductible (per plan year) Individual

$250

$5,000

$1,500

$10,000

$2,000

$5,000

Family

$500

$10,000

$3,000

$20,000

$2,800 (ind) /$4,000 4

$10,000

Individual

$3,000

$10,000

$4,000

$15,000

$4,000

$10,000

Family

$6,000

$20,000

$8,000

$30,000

$8,000

$20,000

$30 copay

50%*

$20 copay

50%*

20%*

50%*

Out-of-Pocket Maximum (per plan year)

Covered Services Office Visits (physician/specialist) Routine Preventive Care

No charge

Not covered

No charge

Not covered

No charge

Not covered

Teladoc Virtual Visits

$0 - $30 copay

Not covered

$0 - $30 copay

Not covered

$45 - $75 copay

Not covered

Outpatient Diagnostic Lab & X-ray

20%*

50%*

30%*

50%*

20%*

50%*

Complex Imaging

20%*

50%*

30%*

50%*

20%*

50%*

50%*

30%*

50%*

20%*

50%* 2

Chiropractic

$30 copay

2

Ambulance Emergency Room Urgent Care Facility

2

2

40%

30%*

$300 copay + 20%* 3

30%*

2

2

20%* 20%*

$60 copay

50%*

$40 copay

50%*

20%*

50%*

Inpatient Hospital Stay

20%*

50%*

30%*

50%*

20%*

50%*

Outpatient Surgery

20%*

50%*

30%*

50%*

20%*

50%*

Prescription Drugs (Tier 1 / Tier 2 / Tier 3) Retail Pharmacy (30-day supply)

$10 / $35 / $60

In network copay + cost difference

$5 / $50 copay / 20%*

In network copay + cost difference*

Mail Order (90-day supply)

$20 / $60 / $100

Not covered

$10 / $100 copay / 20%*

Not covered

network copay $10* / $30* / $50* +Incost difference* $20* / $60* / $100*

Not covered

Coinsurance percentages and copay amounts shown in the above chart represent what the member is responsible for paying. * Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay. 1. If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed amount. 2. Up to 24 visits per calendar year 3. Copay waived if admitted 4. The individual deductible within a family must be at least $2,800 per IRS HSA guidelines

6

2022-2023 BENEFITS ENROLLMENT GUIDE

Your Pharmacy Plan GoodLeap partners with OptumRx to provide the prescription portion of the health plan (excludes Kaiser). The prescription program has three parts: Short Term Prescriptions You can get up to a 31-day supply of medication each time you have a prescription filled at a participating retail pharmacy. Ask your doctor or other prescriber to write a prescription for up to a 31-day supply plus refills, when clinically appropriate. The OptumRx Retail Program includes thousands of participating pharmacies nationwide. For a full listing, visit www.optumrx.com. Long Term Prescriptions GoodLeap has a cost saving mail order pharmacy option for long term prescriptions. The OptumRx mail order pharmacy provides convenient home delivery service for maintenance medications. Request a 90-day prescription from your doctor and the mail order pharmacy will fill it at a reduced cost compared to retail. Some retail pharmacies are also able to fill 90-day maintenance prescriptions but there you will be charged the full 3 month cost share. Specialty Medications Specialty medications must be ordered through Optum Specialty Pharmacy at 1-800-850-9122. Specialty drugs are limited to a 31-day supply. Prior authorization and quantity limits may apply. Specialty medications are subject to retail copays.

Additional Features, Reminders and FAQ CCS Medical LivingConnected Diabetes Management Program: Diabetic supplies are provided as part of the Prevention & Treatment Plan for diabetes and are provided to covered employees and their dependents at no cost to the employee (prescription copay is waived) when received from CCS Medical. These supplies include: cellular glucose meter, diabetic testing strips, control solution, lancets, lancing device(s), and alcohol pads. You can call 1-800-966-2046 to enroll in this voluntary program. Diabetic supplies not received from CCS Medical are subject to the plan copays. The OptumRx Mobile App: The OptumRx app makes the online pharmacy experience as simple as possible. It provides access at your fingertips to mail order prescriptions, refills, drug pricing information, prescription claims history, order status and much more. To get started, simply register at www.optumrx.com and download the free app on your phone or device. Generic drugs are another cost savings option built into your plan. Always request a generic medication from your doctor or pharmacist, if available and when appropriate for your medical treatment. HSA plan drug coverage: When enrolled in the HSA PPO plan, eligible prescriptions are subject to the medical plan deductible. Once the deductible is met, you will be responsible for the appropriate copay. There are some medications in the “preventive” category of coverage that will not be subject to the deductible. What is a Drug List or Formulary? Your plan uses what is called a “Preferred Formulary” that we also refer to as the “drug list” or just the “formulary.” This drug list/formulary contains brandname and generic medications approved by the Food & Drug Administration (FDA) that have been reviewed and recommended by your plan’s Pharmacy and Therapeutics (P&T) Committee. The P&T Committee is an independent group of practicing doctors, pharmacists, and other healthcare professionals responsible for the research and decisions surrounding our drug list. This

2022-2023 BENEFITS ENROLLMENT GUIDE

group meets regularly to review new and existing drugs and chooses the medications for our drug list - based on various factors, including their safety, effectiveness, and value. If your doctor prescribes a drug that is not listed on the drug list, you may be subject to extra out-of-pocket costs. Because the medications on the drug list/formulary are subject to periodic review, you may call Prescription Drug Member Services at 1-800-334-8134 to confirm if medications are included. You can also access a copy of the current list by logging into your OptumRx portal. What if my medication is not on the Formulary? If a drug your doctor prescribes is not on our drug list/formulary, please talk with your doctor about prescribing a medication that is included when appropriate. If a medication is selected that is not on your drug list/formulary, you will be responsible for the applicable non-formulary cost share amount. What is a prior authorization? Certain prescription drugs (or the prescribed quantity of a drug) may require a “prior authorization” before you can fill the prescription. Some drugs require prior authorization because they may not be appropriate for every patient or may cause side effects. Your doctor should have a current list of drugs requiring prior authorization. However, your doctor may call your plan’s referral number for authorization and information regarding these requirements. Prior authorization helps promote appropriate utilization and enforcement guidelines for prescription drug benefit coverage. What do I need to do if one of my prescriptions requires a prior authorization? Your doctor should have a current list of drugs requiring prior authorization. When you fill your prescription at a retail pharmacy, your pharmacist will be notified that your medication requires prior authorization and will take the necessary steps to request it. If you use home delivery, your doctor must obtain prior authorization before you can fill your prescription.

7

Teladoc Teladoc (not applicable to Kaiser members) Did you know there’s a convenient and affordable healthcare alternative? With Teladoc®, you can be connected with a licensed physician in minutes, not hours or days like you would at the ER, urgent care or with your PCP. And, you can get care from wherever you are: home, office or traveling. Visit Teladoc.com or call 1-800-Teladoc.

24/7 doctor visits viaviavia 24/7 doctor visits 24/7 doctor visits phone oror mobile app phone or mobile app phone mobile app Teladoc doctors are available 24/7/365 to provide quality care

Common issues Teladoc doctors treat include:

• Respiratory Infection • Cold and Flu Symptoms • Allergies • Skin Problems • Bronchitis

Get the care you need

• Sinus Problems • And More!

for non-emergency health issues through the convenience of

Teladoc gives you gives round-the-clock access to U.S. Teladoc you round-the-clock access U.S. boardTeladoc gives you round-the-clock access toboardU.S.toboardphone or video consults. certified doctors, from home or on Call or connect certified doctors, from home or on the go. or connect certified doctors, from home orthe ongo. the go. Call orCall connect online or using the Teladoc mobile app for affordable or using the Teladoc mobile app for affordable onlineonline or using the Teladoc mobile app for affordable medical care, whencare, youwhen need it. medical you need medical care, when you need it. it.

24/7 doctor visits viaviavia 24/7 doctor visits 24/7 doctor visits phone or or mobile app phone or mobile app phone mobile app Teladoc

SoSo m toto u

THE NEXT TIME YOU’RE SICK, CONSIDER YOUR OPTIONS: TELADOC vs ER or URGENT CARE

ER or Urgent Care

Request a consult from work or home Teladoc gives you round-the-clock access to U.S. Teladoc gives you round-the-clock access toboardU.S. boardTeladoc gives you round-the-clock access toboardU.S. certified doctors, from home or on the go. Call or connect certified doctors, from home or on the go. Call or connect certified doctors, from home or on the go. Call or connect A doctor calls you back in minutes onlineonline or using the mobile app for affordable online orTeladoc using the Teladoc mobile appaffordable for affordable or using the Teladoc mobile app for Getcare, the care you need atit.a price you can afford medical when you when need medical you need medical care, care, when you need it. it.

Drive to the nearest office while sick

Ta docto d

Wait hours before seeing the doctor

Pay high ER and urgent care fees SoSo many reasons So many reasons many reasons ® ® ® toto use Teladoc to use Teladoc use Teladoc

visit T v

Talk toTalk a doctor quality PromptPrompt treatment, to a doctorReceive Receive Prompt treatment, to Talk a doctor Receive qualityquality treatment, anytime, anywhere care viacare phone, video median call back, anytime, anywhere via phone, median call back, anytime, anywhere viacare phone, video video median call back, you happen to behappen or mobile appor mobile you in 10 minutes you happen to be to be or mobile app app in 10 minutes in 10 minutes

Teladoc g Telad 1-80 new image new im new ima doctor th doct

It's an affo It's a

Talk Talk to a Talk to a to a doctor anytime! doctor anytime! doctor anytime!

1

1

visit Teladoc.com visit Teladoc.com visit Teladoc.com

Aor network of A doctors Prescriptions sent tosent tosentTeladoc is lessTeladoc Talk to aTalk doctor quality PromptPrompt treatment, to a doctorReceiveReceive Receive Prompt treatment, network of doctors Prescriptions to Teladoc to Talk a doctor qualityquality treatment, Aor network of doctors Prescriptions is less is less call or call call that can treat every pharmacy of choice ifsent expensive than the anytime, careReceive viacare phone, video medianmedian call back, anytime, anywhere via phone, video median call back, that canevery treat every pharmacy of choice if expensive expensive than the anywhere viacare phone, video call back, that can treat pharmacy of choice ifto than the Talk toanytime, aanywhere doctor quality care Prompt treatment, A gives network of doctors Prescriptions Teladoc is less Teladoc you access 24 hours, 7 days a week to a U.S. board-certified Teladoc gives you access 24 hours, 7 days a week to U.S. board-certifi Teladoc gives you access 24 hours, 7 days a week to a U.S. board-certified 1-800-Teladoc 1-800-Teladoc 1-800-Teladoc member of the family medically necessary ER or urgent care you happen toyou behappen or mobile appor mobile in 10 minutes member of the family medically necessary ER oraurgent care you happen to be to be or mobile app app in 10 minutes in 10 minutes member of the family medically necessary ER or urgent care

anytime, anywhere you happen to be

via phone, video, or mobile app

median call back,doctor that can treat every pharmacy choice if mobile expensive then the Talk to through the convenience of phone, video or app visits. doctor through the convenience of phone, video or mobile appER visits. doctor through the convenience of of phone, video or mobile app visits. anytime a in 10 minutes member of the family medically necessary or urgent care It's anIt's affordable option foroption quality medical care. It's an affordable for quality medical an affordable option for quality medical care.care. 1

1

Get Get the care youcare need Getcare the you the you needneed

1

2

2

2

3

3

3

Teladoc doctors can treat medical conditions, including: Teladoc doctors canmany treatmedical many medical conditions, including: Teladoc doctors canmany treat conditions, including:

you hapy

4

4

THE GETC GETCARE THE Teladoc now also provides confidential mental health care visits conveniently via phone video. Talk a therapist or• psychiatrist seven days aGET week • Cold &Cold flu • Sinus •symptoms & flu to symptoms Sinus problems • or &Cold flu symptoms • problems Sinus problems A network of doctors Prescriptions sent to Teladoc is less A network of doctors Prescriptions A network of time) doctors Prescriptions sent are. tosent to TeladocTeladoc is less is less Teladoc doctors c Telad Teladoc doc (7amthat to can 9pm local from wherever you • Allergies • Skin• problems • Allergies Skin problems • Allergies Skin• problems treat that everycan treat every pharmacy of choice if of choice expensive than the pharmacy if expensive than the that can treat every pharmacy of choice if expensive than the member of the family medically necessary ER or urgent care member of the family medically necessary ER or urgent member of the family medically necessary ER or urgent care care

medical condition medi medical con • Pink• eye • And• more Pink eye And more Pink• eye And• more Prompt treatment, •doctor Respiratory infections treatment, Talk to aTalk PromptPrompt treatment, Receive qualityReceive to a•doctor to aTalk Respiratory infections Receive quality quality • Cold•&Cold flu symp • doctor Respiratory infections •&Col flu A networ A Anxiety How it works: call back median call back anytime, anywhere call back phone, video anytime, anywherecare viacare via phone, anytime, anywhere viacare phone, video video medianmedian • Allergies • Alle • Allergies that can th With your Teladoc is happy to provide information With your consent, is happy to provide With your is happy to provide information in 10information min in 10 min • Pink •Eye you happen to you be in 10 min orTeladoc mobile app happen toconsent, be or mobile app you happen toconsent, be orTeladoc mobile app •Eye Pin Pink member me Depression Download the app or go online to set up your account or log in about your Teladoc visit to your primary care physician. your Teladoc your primary care physician. about about your Teladoc visit tovisit yourtoprimary care physician. • Respiratory • infe Res • Respirato Get the youcare need Get care the Getcare the you you needneed • Sinus• problems • pro Sin Sinus Not feeling like yoruself Complete a including: brief including: mental health questionnaire 4 5 6 4 5 6 Teladoc doctors can treat conditions, including: 4 5 6 Teladoc doctors canmedical treat medical many medical conditions, Teladoc doctors canmany treat many conditions, • Skin •problems Skin Skin•prob © 2020 United HealthCare Services, Inc.Services, UM1342 © 2020 United HealthCare Services, UM1342 0220 © 2020 United HealthCare Inc.0220 UM1342Inc. 0220 • And more! And • And •more No part of this document may be reproduced without permission. No part of this document may be reproduced without permission. No part of this document may be reproduced without permission. • Cold•issues &Cold flu •symptoms • Sinus & flu symptoms • problems Sinus problems &Cold flu symptoms • problems Sinus Martial Schedule an appointment with the therapist or psychiatrist of your choosing • Allergies • Skin• problems • Allergies Skin problems • Allergies Skin• problems With your consent, With With your coy Stress • Pink• eye • And• more Pink eye And more Pink• eye And• more happy to provide in happy happy to pro • Respiratory • infections Respiratory infections • Respiratory infections sent to sent tosent to TeladocTeladoc Prescriptions A network of doctors Prescriptions A network of doctorsPrescriptions is less Teladoc A network of doctors is less is less

• • • • • • And more

• • •

With your Teladoc is happy to provide information Withconsent, your consent, Teladoc is happy to provide information Withconsent, your Teladoc is happy to provide information about your visit Teladoc tovisit yourtoprimary care primary physician. about your visit your care physician. aboutTeladoc your Teladoc yourtoprimary care physician.

TalkTalk to

about your Teladoc about about your T of choice pharmacy of choice ifexpensive that canthat treat every pharmacy of ifchoice if that can treat everypharmacy thanexpensive thethan the can treat every than the expensive Tel primaryprimary care physic prima care necessary medically necessary ER or urgent member of themember family medically necessary of the familymedically member of the family ER or urgent ER or care urgent care care

1-8

©2002-2017 Teladoc, In ©2002-2017

© 2020 United HealthCare Inc. Services, UM1342Inc. 0220 © Services, 2020 United HealthCare Services, UM1342 0220 © 2020 United HealthCare UM1342Inc. 0220 No part of this may beofreproduced No part thismay document maypermission. be reproduced without permission. Nodocument part of this document be without reproduced without permission.

TalkTalk toTalk atodoctor anytime! a doctor anytime! atodoctor anytime! Teladoc.com Teladoc.com Teladoc.com 1-800-Teladoc 1-800-Teladoc 1-800-Teladoc

©2002-2017©2002-2017 Teladoc, Inc.©2002-2017 All rights Inc. reserved. Complete disclaimer at disclaimer Teladoc.com. Apple and Appleand logo are trademarks oftrademarks Apple registered inofregistered the U.S.Inc., and other countries. App Store is aApp service ofStore ApplemisI Teladoc, Inc. All rights reserved. Completeatdisclaimer atthe Teladoc.com. Apple and theare Apple logoInc., are of trademarks Apple in the U.S. and other countries. Teladoc, All rights reserved. Complete Teladoc.com. Apple the Apple logo Apple Inc., inregistered the U.S. and other countries. Storemark is App a service

8

2022-2023 BENEFITS ENROLLMENT GUIDE

UMR Resources UMR Care

UMR On the Go

A valuable part of your medical benefits

As a UMR member you can access your benefits and claims information anytime, anywhere using your mobile device. There’s no app to download. Simply log in to umr.com

UMR CARE has a staff of experienced, caring nurses (RNs) who help you get the most out of your health plan benefits. They work with you, your doctors and other medical advisors to get the services that best meet your needs. Our expert CARE nurses can guide you before, during and after your medical care. They will listen to your concerns, answer questions and explain your options.

In addition to all the portal resources listed above, you also have mobile access to your ID card to share with your providers. Now there’s no need to carry your ID card or worry if you lose it, it’s at your fingertips.

Helpful support in any situation

REMEMBER:

Whether you’re having a baby, have an emergency hospitalization or need non-emergency care, our CARE nurses are there for you. For example, we can assist you during a hospital stay, after you are released and with your home care. You can concentrate on getting well knowing your CARE nurse will review your progress with your doctor. As an added bonus, our services can save you money and prevent delays in your medical claim processing. You will also learn about quality medical services and become a more informed health care consumer.

Get the most from your benefit plan – use participating network health care providers whenever possible.

If you have questions about your CARE benefits or upcoming health care services, call UMR CARE at the phone number provided on your member ID card. UMR Member Portal Make umr.com your first stop You want managing your health care to be fast and easy, right? You got it. At umr.com, you’ll find everything you want to know – and need to do – as soon as you log in.

UMR Treatment Cost Calculator Know the price you’ll pay ahead of time Your online services on umr.com offer a convenient way to get cost estimates for hundreds of health care services in your area. Knowing what you would expect to pay for medical procedures before receiving care can help you plan ahead and avoid potential surprises. You’ll also be better prepared to talk to your doctor or other health care professional about your treatment options. GET STARTED To begin using the Treatment Cost Calculator, log in to your member account on umr.com and look for the shopping cart icon on your personal home page.

Log in now to:

The free health cost estimator makes it easy to: - Search or browse for a service or condition - View network estimates and see how your benefits apply - Plan for future expenses, and save money

-View My taskbar, your personalized benefits to-do list

STEP 1

-Check your benefits and see what’s covered

Confirm your ZIP code and select your search area to find cost estimates by treatment, physician or medical facility.

No hassles. No waiting. Just the answers you’re looking for anytime, night or day!

-Look up what you owe and how much you’ve paid -Find a doctor in your network (search the United Healthcare Select Plus network in the “find a provider” search box) - Learn about medical conditions and treatment options -Look up claims for yourself or an authorized dependent -Access the Health Cost Estimator tool to estimate your out of pocket costs, even before you have care (look for the shopping cart icon on your home page) Getting started If you already have an account, go to umr.com and click the Login/Register button in the upper-right corner. If it’s your first time visiting us, click the Login/ Register button in the upper-right corner to open an account. Make sure you have your ID card handy and follow the steps to get started.

2022-2023 BENEFITS ENROLLMENT GUIDE

Or use the links to begin browsing by health topic. You can get a more personalized estimate by entering your individual or family benefits information, including your copay, deductible and out-of- pocket maximum amounts. Or skip this step and get a rough estimate. STEP 2 Select a treatment from your search results. The procedure descriptions provide an overview of each service. They also include links to more details, including potential risks and alternatives. STEP 3 Now you’re ready to view your estimate.

9

Health Savings Benefits for Individuals An HSA account is individually owned so funds in the account can also be used to pay the eligible medical expenses of your spouse and tax dependents even if they are not enrolled on your GoodLeap HSA plan.

3 Simple Ways to Save

Contributions Contributions are TAX DEDUCTIBLE

Growth Earnings and interest invested in mutual funds grow TAX-FREE

Health Withdrawals for eligible medical expenses are TAX-FREE

Eligible medical expenses include medical, vision, dental, and prescriptions

Reasons to move to an HSA

10

Lower Premiums Savings from lower premiums can be deposited into the Health Savings Account

Remaining Balance The balance rolls over year-to-year and can continue to grow

Portable An HSA stays with you when you change jobs, change insurance, or retire. It can also provide a safety net between jobs to cover COBRA insurance

Retirement Planning Savings invested in mutual funds can supplement other retirement plans

2022-2023 BENEFITS ENROLLMENT GUIDE

Dental Plans GoodLeap is proud to offer you two dental plans through Guardian. PPO Low and PPO High – These plans offer you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a dentist who participates in the Guardian network. The chart below provides a high-level overview of your dental plans.

Key Dental Benefits

Guardian PPO Low 2

Guardian PPO High

In-Network Only

In-Network

Out-of-Network1

$50 / $150

$50 / $150

$50 / $150

Deductible (per plan year) Individual / Family

Benefit Maximum (per plan year; Preventive, Basic, and Major Services combined) Per Individual

$1,500

$2,500

Covered Services Preventive Services

No charge

No charge

No charge

Basic Services

10%*

10%*

20%*

Major Services

40%*

40%*

50%*

Orthodontia (Child & Adult)

50% to $1,500 lifetime maximum

50% to $2,000 lifetime maximum

Coinsurance percentages and copay amounts shown in the above chart represent what the member is responsible for paying. * Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay. 1. If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed amount, based on what is usual, customary and reasonable (UCR) for your geographic region. 2. N/A

Vision Plan You have an opportunity to enroll in the VSP Vision through Guardian vision plan. This plan offers you the freedom and flexibility to use the vision provider of your choice. However, you will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the VSP network. The chart below provides a high-level overview of the vision plan.

Key Vision Benefits

In-Network

Out-of-Network Reimbursement

Exam (once every 12 months)

$10

Up to $50 after exam copay

Materials Copay

$25

$25

Lenses (once every 12 months) Single Vision Bifocal

Up to $48 No charge after materials copay

Trifocal Frames (once every 12 months) Contact Lenses (once every 12 months; in lieu of prescription glasses)

2022-2023 BENEFITS ENROLLMENT GUIDE

Up to $67 Up to $86

Covered up to $250, then 20% off

Up to $47

Covered up to $250

Up to $130

11

Flexible Spending Accounts (FSAs) GoodLeap provides you with an opportunity to participate in four different Flexible Spending Accounts (FSAs) administered through PayFlex. FSAs allow you to set aside a portion of your income, before taxes, to pay for qualified healthcare and/or dependent care expenses. Because that portion of your income is not taxed, you pay less in federal income, Social Security and Medicare taxes.

Healthcare FSA For 2022, you may contribute up to $2,850 to cover eligible healthcare expenses incurred by you, your spouse, and your children up to age 26. Eligible expenses include:  Coinsurance  Prescriptions  Eye Exams/Eyeglasses  Copayments  Dental Treatment  Lasik Eye Surgery  Deductibles  Orthodontia For a complete list of eligible healthcare expenses, visit www.irs.gov/pub/irs-pdf/p502.pdf. NOTE: If you enroll in the HSA medical plan, you may only participate in the Limited Purpose Healthcare FSA. This type of FSA allows you to be reimbursed for eligible dental, orthodontia, and vision expenses while preserving your HSA funds for eligible medical expenses.

Dependent Care FSA For 2022, you may contribute up to $5,000 (per family) to cover eligible dependent care expenses ($2,500 if you and your spouse file separate tax returns). Eligible expenses include:  Care of a dependent child under the age of 13 by babysitters, nursery schools, pre-school or daycare centers.  Care of a household member who is physically or mentally incapable of caring for him/herself and qualifies as your federal tax dependent. For a complete list of eligible dependent care expenses, visit www.irs. gov/pub/irs-pdf/p503.pdf.

Commuter Benefits1 Commuter Benefits enable you to set aside money to pay for qualified workrelated mass transit and/or parking expenses on a pre-tax basis — reducing your taxable income. Your contributions are deducted from your paycheck each pay period. Qualified transportation expenses must be expenses incurred for you to commute between your place of residence and normal place of work. For 2022, you may contribute up to $280 per month into each account (transit and parking). This amount may change monthly, per IRS regulations. Exclusions apply. See plan document for details and exclusions.

IMPORTANT FSA RULES Because FSAs can give you a significant tax advantage, they must be administered according to specific IRS rules:  Unused funds will NOT be returned to you or carried over to the following year.  You can incur expenses through March 31, 2023, and must file claims by June 30, 2023. 1.

Life/AD&D Insurance Life Insurance provides your named beneficiary(ies) with a benefit in the event of your death. Accidental Death and Dismemberment (AD&D) Insurance provides specified benefits to you in the event of a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot, or eye). In the event that your death occurs due to a covered accident, both the Life and the AD&D benefit would be payable. Basic Life/AD&D (Company-paid) This benefit is provided at NO COST to you through Guardian. Benefit Amount

1 times annual salary to a maximum of $100,000 (benefit reduces upon age 65) 1

Supplemental Life/AD&D (Employee-paid) If you determine you need more than the Company-paid Basic Life/ AD&D coverage, you may purchase additional coverage for yourself and your eligible family members.

Benefit Option Employee

$50,000 increments to a maximum of $500,000

Spouse/RDP $10,000 Child(ren)

Under age 26 - $5,000 or $10,000

Guarantee Issue* $100,000

$10,000 $10,000

*During your initial eligibility period only, you can receive coverage up to the Guarantee Issue amounts without having to provide Evidence of Insurability (information about your health). Coverage amounts that require Evidence of Insurability will not be effective unless approved by the insurance carrier. 1. Any portion paid for your benefit over $50,000 is taxable as imputed income.

All Commuter plan elections must be managed in the PayFlex portal directly.

12

2022-2023 BENEFITS ENROLLMENT GUIDE

Disability Insurance You are provided the opportunity to purchase Short-Term and Long-Term Disability Insurance at affordable group rates through Guardian. Disability Insurance provides benefits that replace part of your lost income when you become unable to work due to a covered injury or illness.

Voluntary Short-Term Disability (Outside CA) Benefit Percentage

60%

Weekly Benefit Maximum*

$1,500

When Benefits Begin

After 1 day of disability due to accident, after 7th day due to illness

Maximum Benefit Duration 13 weeks

Voluntary Short-Term Disability (California) Benefit Percentage

25% (in addition to SDI)

Weekly Benefit Maximum*

$1,500

When Benefits Begin

After 1 day of disability due to accident, after 7th day due to illness

Maximum Benefit Duration 13 weeks

Voluntary Long-Term Disability Benefit Percentage

60%

Employee Assistance Program (EAP) Life is full of challenges and sometimes balancing it is difficult. GoodLeap is proud to provide a confidential program dedicated to supporting the emotional health and well-being of our employees and their families. The EAP is provided at NO COST to you by WorkLife Matters through Guardian and can help with the following issues, among others:  Stress, anxiety or depression  Relationships  Problems with your children  Substance abuse  Grief and loss

 Marital conflicts  Empty-nesting  Workplace conflict  Legal issues  Mental health

EAP Services  Assistance for you or a household family member

Monthly Benefit Maximum* $10,000

 Up to three (3) in-person sessions with a counselor per issue, per year, per individual

When Benefits Begin

 Unlimited toll-free phone access 24/7

After 90th day of disability

Maximum Benefit Duration Social Security Retirement Age *During your initial eligibility period only, you can receive coverage up to the maximum benefit amounts without having to provide Evidence of Insurability (information about your health). Coverage amounts that require Evidence of Insurability will not be effective unless approved by the insurance carrier. Benefits can be limited for a pre-existing condtion. Please review plan summary for further details.

2022-2023 BENEFITS ENROLLMENT GUIDE

 Online resources 24/7  Work/life services for assistance with child care, elder care, financial issues, plus much more

13

Voluntary Benefits During an annual Open Enrollment period, you will have an opportunity to purchase voluntary benefits through Guardian, MetLife and InfoArmorAllstate at affordable group rates. This coverage complements your medical plan by providing cash benefits that can be used to help pay for the out-of-pocket expenses your plan may not cover such as deductibles, coinsurance, and copays. Benefits are paid directly to you — not to a doctor or healthcare provider. Accident Insurance If you have an accident, will it hurt your bank account too? Accident Insurance gives you something to fall back on. Accident Insurance pays you a lump-sum cash benefit for specific injuries you receive and the treatment you need, including hospitalization. Hospital Indemnity Insurance The average cost of a hospital stay is $10,0001—and the average length of a stay is 4.8 days2. Hospital indemnity insurance can help reduce costs by paying you or a covered dependent a benefit to help cover your deductible, coinsurance and other out-of-pocket costs due to a covered sickness or injury related hospitalization. MetLife Legal Plan MetLife Legal is designed to help you with many everyday issues, including traffic violations, credit problems, child custody matters, and landlord issues. MetLife Legal also offers identity theft protection. As a participant in the MetLife Legal plan, you will have access to a wide variety of attorneys from top law firms in your area Allstate (formerly InfoArmor) Identity Protection You have the option to enroll for identity theft protection. This benefit may save you time and money – and restore your name and credit for you if your identity is stolen. Trained experts provide you with fraud alert notifications, perform proactive database searches, and continuously monitor your credit. 1. 2.

Costs for Hospital Stays in the United States, 2011. HCUP Statistical Brief #168. December 2013. Agency for Healthcare Research and Quality, Rockville, MD. National Hospital Discharge Survey: 2010

Valuable Extras GoodLeap also offers the following additional benefits:  529 College Savings Plan  401(k) Retirement Plan - 401(k) is a self-directed retirement plan administered by Empower with 38 different investment fund options. Both traditional pre-tax contributions or after tax Roth contributions are allowed. Employees are automatically enrolled after 90 days of employment at a flat 5% contribution rate. The plan allows for discretionary company matching.

14

2022-2023 BENEFITS ENROLLMENT GUIDE

Cost of Benefits Your contributions toward the cost of benefits are automatically deducted from your paycheck before taxes. The amount will depend upon the plan you select and if you choose to cover eligible family members.

Medical Semi-Monthly Employee Contributions Kaiser Coverage Tier

UMR

$5,500 Plan + $2,800 HSA Plan HRA (CA Only) (CA Only)

UHC PPO High Plan

UHC PPO Low Plan

UHC HSA PPO

Employee Only

$21.60

$21.14

$36.31

$31.31

$33.05

Employee + Spouse/DP

$137.54

$138.92

$220.54

$157.40

$166.58

Employee + Child(ren)

$121.26

$120.52

$199.42

$142.43

$150.69

Employee + Family

$195.34

$192.84

$311.03

$221.56

$234.65

Dental & Vision Semi-Monthly Employee Contributions Coverage Tier

Guardian Dental PPO Low

Guardian Dental PPO High

VSP Vision through Guardian

Employee Only

$1.64

$2.34

$0.55

Employee + Spouse/DP

$10.08

$14.37

$2.77

Employee + Child(ren)

$12.68

$18.08

$2.82

Employee + Family

$17.90

$25.52

$4.47

Voluntary Benefits Semi-Monthly Employee Contributions Coverage Tier

Guardian Accident Insurance

Guardian Hospital Plan

MetLife Legal Plan

Allstate (formerly InfoArmor) Identity Protection

Employee Only

$8.58

$7.57

$10.50

$4.98

Employee + Spouse/DP

$13.21

$16.60

$10.50

$8.98

Employee + Child(ren)

$13.30

$12.77

$10.50

$8.98

Employee + Family

$17.93

$21.81

$10.50

$8.98

Domestic Partner (DP) Contributions: Your contributions to cover a DP are the same as those to cover a legal spouse. However, because of Internal Revenue Code (IRC) restrictions, in most cases, the fair market value of your DP’s or DP’s children’s (if they are not federal tax dependents) healthcare coverage will be taxable to you as imputed income. This value is determined by the amount that The Company pays in premium for DP coverage. This amount raises your taxable gross income. Also, the payroll deductions to cover a DP must be taken on an after-tax basis.

Additional Voluntary Benefits

Deductions for all voluntary plans are taken from your paycheck after taxes. Rates for supplemental Life/A&D and Short/Long Term Disability vary by age, salary and level of coverage selected and are available during your online enrollment.

2022-2023 BENEFITS ENROLLMENT GUIDE

15

Contact Information Coverage

Carrier

Phone #

Kaiser Permanente

(800) 464-4000

www.kp.org

UMR

(800) 826-9781

www.umr.com

Rx

OptumRx

(800) 334-8134

www.optumrx.com

Dental

Guardian

(800) 541-7846

www.guardiananytime.com

Vision

VSP Vision through Guardian

(877) 814-8970

www.guardiananytime.com

PayFlex

(844) 729-3539

www.payflex.com

(800) 235-7621 ext. 1006

[email protected]

Medical

Health Savings Account (HSA) Flexible Spending Accounts (FSA) Commuter Benefits

Health Reimbursement Arrangement (HRA) Grenz & Company, Inc.

Website/Email

Life/AD&D

Guardian

(800) 525-4542

www.guardiananytime.com

Disability

Guardian

(800) 538-4583

www.guardiananytime.com

WorkLife Matters through Guardian

(800) 386-7055

www.ibhworklife.com (Username: Matters, Password: wlm70101)

Guardian

(800) 541-7846

www.guardiananytime.com

Legal Assistance

MetLife

(800) 821-6400

www.members.legalplans.com

Identity Theft Protection

Allstate

(800) 789-2720

www.aip.com

Empower

(800) 338-4015

www.empowermyretirement.com

Troy Pewitt, Morgan Stanley

(415) 693-6190

https://advisor.morganstanley.com/ pewitt-lee-group

Employee Assistance Program (EAP) Voluntary Benefits

401(k) Retirement College Savings

Benefits Website Our benefits website, can be accessed anytime you want additional information on our benefits programs. Https://benefits.plansource.com/logon/goodleap For additional benefits information and our employee perks program visit goodleap.benefithub.com

Questions? If you have additional questions, you may also contact: HUB Advocacy Team at (877) 838-4779 [email protected] Human Resources Team [email protected]

DISCLAIMER: The material in this benefits brochure is for informational purposes only and is neither an offer of coverage or medical or legal advice. It contains only a partial description of plan or program benefits and does not constitute a contract. Please refer to the Summary Plan Description (SPD) for complete plan details. In case of a conflict between your plan documents and this information, the plan documents will always govern. Annual Notices: ERISA and various other state and federal laws require that employers provide disclosure and annual notices to their plan participants. The Company will distribute all required notices annually.