SingleOps 2025 Benefits Guide

Open Enrollment 2025 BENEFITS GUIDE SingleOps

WELCOME SingleOps is pleased to offer a comprehensive and competitive total rewards package. The 2025 plans include a variety of benefits to help support you and your family. SingleOps carefully evaluated various options to maintain robust benefits, at a cost-effective price for employees. This benefits guide provides an overview of your 2025 plan options, including key details on available benefits, premiums, and important enrollment information. We encourage you to take the time to review all of your choices carefully before completing your enrollment. Be sure to keep this guide handy as a valuable resource throughout the year. This booklet and plan summaries do not constitute a contract of employment. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail.

2025 OPEN ENROLLMENT th th November 18 - December 6 Open Enrollment is the one time of year you are eligible to add or delete dependents from your coverage, change your coverage level or change your benefit elections without experiencing a qualifying change in status event. The benefits and coverage you select during this enrollment period will be effective January 1, 2025 and will remain in effect through December 31, 2025. If you have questions regarding benefits or open enrollment, please contact hr@singelops.com. HOW TO ENROLL During this year's open enrollment, we are utilizing an active enrollment process. This means that ALL employees must log into Rippling. Whether you are enrolling in coverage for the first time, electing to continue your current coverage, or waiving coverage, you will need to log in and mark elections in This benefits guide is a summary description of your 2025 benefit plans Rippling during the Open Enrollment period. options. It is intended to help you will learn about the benefits offered, plan premiums, and how and when to enroll. Be sure to save this guide as a benefits resource you can refer to throughout the year. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment. Sign in to Rippling

2025 CARRIERS MERITAIN 1 (Aetna network) SingleOps’ Medical benefits will be transitioning to the Aetna network and In 2025, will be administered by Meritain. Starting in January, it is important to check if your doctor is in the “Aetna POS II” network. For customer service, or finding a provider in the Aetna network, call Meritain or visit www.meritain.com. You will be receiving st new ID cards. Digital cards will be available by January 1 , with mailed copies to follow. PRIME THERAPEUTICS Prime Therapeutics will be managing the pharmacy benefits. They are the best resource to answer any questions regarding coverage for your medications. UNUM In 2025, SingleOps’ non-medical benefits such as dental, vision, life, and disability will be administered through Unum. You will be receiving new dental & vision ID cards. st Digital cards will be available by January 1 , with mailed copies to follow. RIPPLING Rippling will continue to administer the HSA and FSA accounts.

ELIGIBILITY EMPLOYEES 1 All employees working 30 hours per week, or more are eligible for the benefits program. You may insure yourself and eligible family members under the program. SPOUSE & LEGAL DEPENDENTS Your children are eligible for medical, dental, and vision to age 26. Your children of any age are also eligible if you support them, and they are incapable of self-support due to disability. As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days. EVENTS QUALIFYING You may make a change to your benefits if you have a qualified status change such as marriage, divorce, birth/adoption, death, changes in spouse’s benefits or eligibility, and more. You must contact your HR Department within 30 days of the qualifying event to make appropriate changes.

MEDICAL BENEFITS OVERVIEW Health insurance is an important component of SingleOps’ benefits program. A quality health insurance plan provides you with protection against the financial uncertainty that can come with treating a major illness or injury. HOW IT WORKS Two plan options will be offered through Meritain Health: a High Deductible Health Plan, as well as a copay (PPO) plan. Each plan offers 100% coverage for preventive care. Both plans allow you to select a provider of your choice. Remember that staying in-network provides the greatest benefit. Plan designs on next slide. FIND A PROVIDER • Visit www.Meritain.combe • Click on “Find A Provider”; You will need to know your plan, which can be found on the first page of your medical benefit summary. KRISTEN JONES Group Delta Dental PPO LINK TO MEDICAL CARRIER LINK TO FIND A PROVIDER

Medical Plan Options COPAY PLAN HDHP W/ HSA Employer HSA N/A +$1,000 Contributions Annual Contribution Deductible $1,500 / $3,000 $3,300 / $6,000 (Single/Family) Coinsurance 10% 0% Out-of-Pocket Max $3,000 / $6,000 $3,300 / $6,000 (Single/Family) Physician/Specialist Visits $30 / $60 0% after deductible Preventive Care 100% Coverage 100% Coverage Hospital/Out-Patient 10% after deductible Deductible Emergency Room $350 Deductible Urgent Care Centers $75 Deductible

$1,500 Co-Pay Plan $3,300 HDHP / HSA Retail Prescriptions: $15 Up to Deductible Generic Retail Prescriptions: $35 Up to Deductible Preferred Retail Prescriptions: $55 Up to Deductible Non-Preferred Specialty 25% Up to Deductible

HEALTH SAVINGS ACCOUNT Only for those enrolling in the High Deductible HSA TRIPLE TAX SAVINGS Health Plan (HDHP), you are eligible set up a Health Saving Account (HSA). Tax-free Pre-tax Tax-free growth Health Savings Accounts allow you to set aside pre-tax payroll withdrawals from interest or money to help cover your deductible and pay for other deductions for eligible investment returns out-of-pocket healthcare expenses for you and your expenses dependents. HOW TO USE A HEALTH SAVINGS ACCOUNT CONTRIBUTION LIMITS You can start, stop, or change your For the 2025 calendar year, the IRS allows you to contribution amount during the year. contribute up to following amounts into your Health Savings Account: You can use funds for yourself, your spouse, • Single coverage: $4,300 and/or eligible tax dependents — whether • Any tier of Family coverage: $8,550 they are on your medical plan or not. • Additional catch-up contribution: Age 55+: $1,000 You cannot contribute to an HSA once you’ve If electing the HDHP, SingleOps will contribute up enrolled in Medicare, but you can use any $1,000 annually (distributed per pay period.) existing HSA dollars on health expenses, including Medicare premiums. IRS limits include combined employer and employee contributions HSA Introduction View Qualified Expenses

HDHP AND HSA CONSUMER EXPERIENCE 1 DOCTOR VISIT 3 EOB Visit your healthcare provider and the office will submit the claim Meritain sends you the Explanation of Benefits (EOB), which to your health plan. includes the amount you owe the doctor. 2 AMOUNT OWED 4 BILL RECEIVED As the administrator of our health plan, Meritain processes your Your doctor will then send you a bill, which should match the claim(s) and will share the amount you owe with your doctor. amount due on the Explanation of Benefits. Providers in the Aetna POS II network will cost you less than non contracted providers. 5 PAY WITH HSA You can use your HSA funds to pay the bill from your doctor. If you pay out of pocket, you can reimburse yourself from your HSA.

MERITAIN HEALTH Did you know you can find a variety of health care tools and resources at www.meritain.com? MANAGE YOUR CLAIMS With Meritain, you can submit and track your claims online. FPO COMPARE CARE & COSTS Our digital tools can help you find doctors in your plan’s network and compare care costs up front. DOWNLOAD YOUR ID CARD Your digital ID card is always there when you need it.

ADDITIONAL WAYS TO SAVE SAVE MONEY - USE NETWORK PROVIDERS The Aetna POS II network gives you the freedom to choose any doctor, but you get more from your benefits when you use network providers: you pay less out of pocket for when rendering services and the plan pays more of the cost of your services. To find a network doctor, provider, or facility, visit www.meritain.com under “Important Links”. MERITAIN REGISTRATION PREVENTIVE CARE IS FREE TO YOU Covered preventive care is paid in full by any of the medical plans you choose – no deductible, no copay. Click the link for a list of covered preventive services, along with age recommendations. PREVENTIVE CARE SERVICES FAMILY DEDUCTIBLES AND OUT-OF-POCKET MAXIMUMS ARE EMBEDDED The deductible and out-of-pocket maximum for each person in the family is capped at the individual amount. In other words, once an individual has reached the individual deductible amount, the plan will start paying benefits for that person. And, once the combined expenses of all family members reaches the family amount, the deductible or out-of- pocket maximum will be considered met for all family members (even if they haven’t met the individual amount). This is a great benefit.

HEALTHJOY This benefit will be paid for by SingleOps, at no cost to you! HealthJoy is here to help you and your family anytime, anywhere. HealthJoy is the first stop for all your healthcare and employee benefits needs. This service is provided for free by your employer and personalized for you. • You have FREE access to Telemedicine. • You have instant access to your benefits wallet with all your benefits cards. • Our healthcare concierge and online doctors are available LIVE. • You can have an expert review and negotiate your confusing medical bills. BENEFIT ONLINE DOCTOR HEALTHCARE RX SAVINGS WALLET CONSULTATIONS CONCIERGE REVIEW MEDICAL APPOINTMENT PROVIDER HSA/FSA BILL BOOKING RECOMMENDATIONS SUPPORT REVIEW

PHARMACY BENEFITS WITH PRIME THERAPUTICS ONLINE HELP OVERVIEW • Visit In addition to Health Insurance, your pharmacy benefits are another component of PrimeTherapeutics.com/Member/Documents SingleOps’ benefits program. Prime Therapeutics will be administering the pharmacy coverage. • Helpful tools include: Drug Search Tools, HOW IT WORKS Coverage Limits and Restrictions, Pharmacy Show your member ID card and prescription at any network pharmacy to get your Listing drugs. Magellan offers a large network of major chains, regional pharmacies and independent stores. Visit the website to see a list of network pharmacies. LINK TO FIND A PROVIDER

KISx Just call, text, or email your personal nurse This benefit in included, at no cost to you, if you enroll in the medical plan. concierge who is waiting to schedule your procedure today! SURGERY SIMPLIFIED • www.getkisx.com By choosing a KISx Card provider, you will always pay $0 out of pocket* 877-GET-KISX SCHEDULE SAVE KISX CARD COVERS OVER 400 DIFFERENT PROCEDURES: 1 ORTHOPEDIC SURGERY 2 GENERAL SURGERY 3 COLONOSCOPIES 4 MRI, CT & PET SCANS *HSA Plans require first dollar coverage from patient before procedure up to IRS Minimum, before program incentives are received. Out of pocket expenses incurred with KISX will be reimbursed by your employer.

CANCER CARE This benefit in included, at no cost to you, if you enroll in the medical plan. The CancerCARE Program is an additional benefit, provided by your health plan, that focuses on helping members diagnosed with cancer. Our passionate medical team will oversee your cancer treatment and ensure the optimal treatment path with proven results is being followed. FPO We are your cancer advocates and will strive to lead you and your dependents to survivorship! PERSONALIZED CARE Once you are part of the program, a dedicated nurse will be with you every step of the way. This nurse will be available to answer any questions you might have as well as make sure you are receiving ideal treatment for your diagnosis.

DENTAL BENEFITS HOW IT WORKS The preferred dentist program administered by Unum is designed to provide the dental coverage you need with the features you want — like the freedom to visit the dentist of your choice, in or out of network. Use network providers to receive higher benefits. MANAGE YOUR BENEFITS Go to www.unumdentalcare.com to access secure information about your Unum benefits including access to an image of your ID Card. FIND A DENTIST • Visit www.unumdentalcare.com.com • Click on “Find A Provider”; You will need to know your plan, which can be found on the first page of your dental benefit summary. LINK TO DENTAL CARRIER LINK TO FIND A PROVIDER

DENTAL BENEFITS Deductible (Single / Family) $50 / $150 Annual Plan Maximum $1,500 Preventive Services 100% Covered Exams, Cleanings, X-Rays Basic Services 80% Covered Fillings, Simple Extractions Major Services 50% Covered Dentures, Crowns Orthodontia Services 50% Covered Adult & Child(ren) Orthodontia Lifetime Maximum $1,250 SingleOps contributes 100% of the employee dental premium. If you elect to add your dependents, SingleOps also offers a generous contribution for their coverage.

VISION BENEFITS HOW IT WORKS The vision plan administered by Unum is designed to provide the vision coverage you need with the features you want. Exam $10 copay MANAGE YOUR BENEFITS 1 per 12 months Go to www.unumvisioncare.com to access secure information about your Unum benefits including access to an image of your ID Card. Glasses Lenses Your on-line account will be set up within 30 days after your plan (Single / Bifocal/ Trifocal / Lenticular) $10 copay effective date.. 1 per 12 months FIND A PROVIDER Glasses Frames $200 retail frame allowance • Visit www.unumvisioncare.com 1 per 12 months • Click on “Find A Provider”; You will need to know your plan, which can be found on the first page of your vision benefit summary. LINK TO FIND A PROVIDER Contact Lenses $200 retail allowance 1 per 12 months SingleOps contributes 100% of the employee vision premium. If you elect to add your dependents, SingleOps also offers a generous contribution for their coverage.

COST OF COVERAGE HOW YOU PAY FOR HEALTH CARE COSTS TOTAL COST OF CARE Premium Out of Pocket Expenses Remember, your total health care cost for Pre-tax the year is the combination of your out-of- Payroll pocket expenses when you access medical Deductions care and the premium contributions you Copays Deductibles Coinsurance make for coverage. Depending on your personal situation, the plan with the lowest deductibles and copays may not be the best plan for you. Be sure to look at the total cost Annual Employee Spend of your expected care before making your plan decisions for the plan year.

COST OF COVERAGE Monthly Premiums Monthly Premiums Monthly Premiums MEDICAL VISION DENTAL Co-Pay HDHP Premium Employee Only $106.91 $0.00 Premium Employee Only $0.00 Employee + Employee Only $0.00 Spouse $825.00 $245.00 Employee + $9.12 Employee + $1.80 Spouse Spouse Employee + $426.41 $201.00 Employee + Employee + $15.52 Child(ren) Child(ren) $2.15 Child(ren) Family $27.52 Family $973.05 $457.00 Family $4.40

EMPLOYEE ASSISTANCE PROGRAM All full-time employees are automatically (even if you are not enrolled in medical benefits) provided access to Unum’s Employee Assistance Program (at no cost to you.) The EAP is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns. CLINICAL ACCESSING CARE WORK-LIFE Confidential assistance for a range of concerns Online/Phone Support: Unlimited, confidential, 24/7 Assistance for daily challenges at home and work including depression, anxiety, stress, relationships, including financial, legal, child/elder care, and and parenting. In-person: You can get up to 3 visits, available identity theft. at no additional cost to you with a Licensed Professional Counselor. GET HELP

FLEXIBLE SPENDING ACCOUNTS Flexible Spending Accounts (FSAs) are set up to pay for many of out-of-pocket medical expenses with tax-free dollars. The Remember to enroll in FSA account holder sets aside a pre-tax dollar amount for the year used to pay for medical expenses. Important: unused Rippling if selecting FSA FSA funds can expire at the end of the year, so it is important to calculate expected expenses as accurately as possible prior to adding funds. 1 HEALTHCARE FSA 2 LIMITED PURPOSE FSA 3 DEPENDENT CARE ACCOUNT (DCA) FSA The FSA can be paired with a Copay Plan. Employees The Limited Purpose FSA can be paired with A DCA can also be paired with BOTH the HDHP or who enroll in the HDHP are NOT eligible for the BOTH the HDHP or the Copay Plan. The Limited the Copay Plan. A DCA is a tax-free account for Healthcare FSA. FSA funds can be used on various Purpose FSA can be used on Dental and Vision dependent care expenses such as daycare, medical, dental, and vision related expenses – the expenses only. By adding money to a Limited preschool, or day camps for any dependent under benefit is to use tax-free dollars on these purchases. Purpose FSA, employees can use tax-free dollars the age of 13 or who are physically or mentally The IRS has set the contribution maximum to $3,300 on dental and vision expenses. incapable of self-care. The IRS has set the annually (carryover option applies.) The IRS has set the contribution maximum to contribution maximum at $5,000 for families and $3,300 annually. $2,500 for individuals. VIEW ELIGIBLE EXPENSES

ADDITIONAL BENEFITS SingleOps provides full-time employees with employer-paid basic life insurance and disability income protection at no cost.

ADDITIONAL EMPLOYER-PAID BENEFITS 1 GROUP LIFE AND AD&D The group life and accident, death, and dismember policy is available to all full-time employees. In the event of death, loss of (or loss of use of) a body part or function, speech, eyesight, or hearing, your beneficiaries will receive Scan to Learn $100,000. Coverage decrease by 35% at age 65, by 50% at age 70. More Enhanced this year! 2 SHORT-TERM DISABILITY Short-term disability protects your income during a short period of time due to illness or an accident not related to your job. Benefits begin on the 15th day after becoming disabled. The policy will pay a 60% of your weekly salary for up to 24 weeks to a benefit maximum of $2,000 weekly. Enhanced this year! 3 LONG-TERM DISABILITY Long term disability protects your income for an extended period of time due to illness or an accident not related to your job. Benefits begin after 180 days following incident and will cover 60% of your earnings (up to $10,000/month). Enhanced this year!

ADDITIONAL VOLUNTARY BENEFITS VOLUNTARY LIFE & AD&D 3 ACCIDENT 1 Employee Benefit: Increments of $10,000: up to 5 x annual earnings to a This plan pays you based on every procedure you receive as a result of a maximum of $500,000. (Guaranteed Issue: $120,000.) covered accident. Whether it is a minor injury like a twisted ankle or a major fracture, there will be set amounts paid out for each treatment. Spouse Benefit: Increments of $5,000 up to $300,000 (Cannot exceed 100% of employee amount) Guarantee issue of $30,000. (Guaranteed Examples: Issue: $15,000.) Fractures: Schedule up to $4,500 Hospital Admission: $1,000 Child(ren) Benefit: Increments of $2,000 up to $10,000. Accidental Death: $50,000 And More! See Unum summary for full details Enhanced this year! 2 CRITICAL ILLNESS 4 HOSPITAL INDEMNITY A critical illness can be expensive – even when you have great medical Even with good medical insurance, a stay in the hospital will cost you a coverage. Critical illness insurance pays you a lump sum to use as you lot. Whether you are hospitalized for a covered accident or illness, see fit if you’re diagnosed with covered critical illnesses (such as hospital indemnity insurance provides you with needed cash. Coverage cancer, heart attack, stroke, and more). available for you, or you and your spouse and/or children. Employee Benefit: $10,000, $20,000, or $30,000 Hospital Admission: $1,000 benefit Spouse & Child(ren) Benefits also available Hospital Stay: $100 / day Retirement 401(k)

CONTACTS Medical: Meritain 800-925-2272 | www.meritain.com Pharmacy: Prime Therapeutics 800-424-5878 | primetherapeutics.com/member Dental, Vision, Basic Life, Voluntary Life/AD&D, STD, LTD, Critical Illness and Accident: Unum 888-600-1600 | https://www.unum.com/employees Employee Assistance Program: Unum 888-731-3327 | www.unum.com/lifebalance Telemedicine: HealthJoy 877- 500-3212 | www.healthjoy.com Health Savings Account & FSA Accounts: Rippling www.rippling.com Human Resources: SingleOps hr@singleops.com